vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX. At that time, my credit card with XXXX XXXX, opened in XX/XX/XXXX, had been reported as purchased by another lender, sold to another lender. The account had a last activity date of XX/XX/XXXX and a last reporting date of XX/XX/XXXX. 

Throughout this process, my credit was pulled on XX/XX/XXXX and XXXX XXXX was still reporting what was listed above. 

On XX/XX/XXXX, my credit was pulled and there was a change on how they were reporting. They changed the date of last activity to XX/XX/XXXX. The added remarks that this was disputed, which I never did. They then changed the account to being close in XX/XX/XXXX. If this account was sold to and sent to another company, then this debt should have been closed with them back in XX/XX/XXXX. The debt was settled immediately with the collection agency when I received notification. 

I would like for XXXX XXXX to change to update the bureaus immediately, as this account should not have had any changes to their reporting. Especially since they no longer held the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX. At that time, my credit card with XXXX XXXX, opened in XX/XX/XXXX, had been reported as purchased by another lender, sold to another lender. The account had a last activity date of XX/XX/XXXX and a last reporting date of XX/XX/XXXX. 

Throughout this process, my credit was pulled on XX/XX/XXXX and XXXX XXXX was still reporting what was listed above. 

On XX/XX/XXXX, my credit was pulled and there was a change on how they were reporting. They changed the date of last activity to XX/XX/XXXX. The added remarks that this was disputed, which I never did. They then changed the account to being close in XX/XX/XXXX. If this account was sold to and sent to another company, then this debt should have been closed with them back in XX/XX/XXXX. The debt was settled immediately with the collection agency when I received notification. 

I would like for XXXX XXXX to change to update the bureaus immediately, as this account should not have had any changes to their reporting. Especially since they no longer held the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
On XX/XX/XXXX I had my account Debited {$4600.00} from XXXX after losing wallet. The PIN number was in the wallet due to being a brand new card issued to a new account holder. I had received a call from XXXX stating they had found the wallet. Picked it up and thought everything was ok. Fast Forward 3 weeks. I had looked back into statements as I do from month to month. I then seen the purchase and called as soon as I had seen into capital ones fraud department to file a claim. I explained how this had not been seen until now and that the card was still being used since XXXX contacted about a found wallet. I had no clue. My I initial thought of a lump sum was perfect my wife transferred the money to our savings. The department spoke with my wife in an attack mode of claiming she was lying. Stating her story didnt add up because she didnt state XXXX called her. Claim was then DENIED. {$4600.00} poof gone. I was told if I contact police get report and contact XXXX and also add report that they can relook and issue. That day, I had done both. Everything I can and was told by the police and XXXX that they have whatever bank needs to prove the situation. I was told that they cant do more then make sure it was not an employee which it wasnt and that my bank has to claim under there insurance. I then called my bank capital one back to find out they dont care about any physical nor visual proof I have nor any reporting I had made. They had said that there conversation with my wife is proof to fully deny and not reopen. I have physical and visual proof as well as reports with all partys. Capital ones response ... ... who cares your denied!!! Dont call back because we wont listen. So now {$4600.00} gone from my acct and too bad for me I have to deal with fraud and theft with proof. I want my money back ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I had a loan modification done in XX/XX/XXXX. The principle amount as of XX/XX/XXXX was {$350000.00}. Several months into this loan, they transferred it to a new company. This company has changed names, but it's been the same one since early XX/XX/XXXX. 

In XX/XX/XXXX, I received my mortgage statement stating that I owed {$77000.00} for the next payment. I called and asked what that was about. They informed me that it was an error on their side and that they would be taking care of it. I then received several more statements over the next few months with several different amounts " due immediately. '' I kept making my payments as usual and also called several times during this to ensure I wasn't missing anything. They insisted it was their mistake and they were fixing it. 

I finally received a statement in XX/XX/XXXX that looked like it was back to my normal payment. However, the principle amount had gone all the way up to {$350000.00}. This is more than what it was 3 years prior when the loan was modified. 

Since then, I have repeatedly tried to contact them ( both in writing and via phone ). Sometimes it takes several attempts to contact them before I receive a notice saying they are investigating. Each time they have been " investigating '', they have come back later and either said they have resolved the issue ( without telling me what it was ), or that they can not continue because I didn't supply the supporting documents that they had requested and so have closed the dispute. In EVERY case of the latter, I never received any kind of communication or request from them. 

I have seen on the payment history, downloaded from their site, where they have taken the money out of my account starting in XX/XX/XXXX for " reallocation, '' however, there is no record or explanation of where and/or why it was reallocated. 

I am currently selling my home and today, XX/XX/XXXX, almost 4 years after the modification, my payoff statement is a dollar figure that almost exactly the principle amount from the origination of the loan. 
XX/XX/XXXX Payoff statement : {$350000.00} XX/XX/XXXX New loan amount : {$350000.00} I have never missed a payment. I have copies of my bank statements that show every single payment since my modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Just got off phone with Transunion. Once again lied and stated they sent the factor sheet explaining their credit score. It was not included and they will not give it to me. How can they judge me and not tell me how. XXXX ( supervisor special handling unit ) was most uncooperative, stating I had to pay {$9.00} to receive factor report. I demand an explanation and documentation on their scoring system and increase of my score. Countless inquiries made to my report without my knowledge. Had fraud alert on account in XX/XX/XXXX but they did not continue it and I asked for a security freeze, which I bet they did not do. ( agent in XXXX ) I want this corrected. No one is to check my credit and drop my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a response from XXXX XXXX but they have not resolved the issue. Below is my feedback : Please note, this is the first time I get a response in detail. I have constantly contacted your office about the {$920.00} and GAP insurance. I even reached out to the dealership and they explained it should have been covered by GAP. 
The last time I contacted your customer service department was on XX/XX/XXXX and spoke with agent XXXX, he explained the same as I mentioned in my complaint. He even opened a new dispute and sent it for review to the department that handles credit reporting. He also provided me with GAP 's customer service number to dispute the {$920.00} amount, the number he gave me is XXXX XXXX XXXX. Please review your system for notes about this discussion. 
However, based on your response, I now understand the information provided by your customer service department and total loss department has been incorrect, which resulted in the delay of the {$920.00} amount. Please put into consideration that my account with XXXX has always been in good standing, I have never defaulted in a payment. 
At worst case, the {$920.00} payment was delayed by two months, why it is been reported as charge off rather than late payment?? 
I ask you to please review all my discussions with your customer service department and my several attempts to understand that last pending payment of {$920.00}. 
Please note, this incorrect charge off in my credit is putting a halt in a car loan I am trying to obtain through your financial institution. I urge you to please look into this matter as soon as possible. Thank you for attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, XXXX XXXX is reporting a 30 days late payment on my credit report for XX/XX/2018. I already addressed this issue. Sent them the bank statement showing the money was withdrawals from my account on time on XXXX. 

Because of this, I am now having hard time to get mortgage. The account # of XXXX on my credit report is XXXX. I also disputed to the credit bureau 2 months ago, so far nothing has happened. Please help me. Because of this, I am getting denial for mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC.
State: FL

Complaint narrative:
I have been receiving numerous calls from XXXX. When i answered the line was silent. So I block the contact in my phone and it went straight to voice mail. Now I get numerous voicemails with nothing on them. The calls and voice mails have been 2 or 3 a day for over 3 weeks. I've tried to call the number and all I get is a recording that it is not during business hours. This was between XXXX and XXXX est. that I've called. Then the recording goes on to say go to some website to pay a debt. I think this is a scam and should be shut down. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have sent several written letters and emails to troubled Ocwen Loan Servicing requesting that the pretender lender loan servicer open up its pretender lender loan servicers phony XXXX file and provide me with the XXXX XXXX XXXX loan docs, ( e.g. loan app., Hud-1 TIL statement etc., and the appraisal. As of today the pretender lender loan servicer refuses to provide me with all those documents that I am entitled to. The only way to get a response from the troubled pretender lender loan servicer is to file a consumer complaint which forces its counsel to respond to my complaint with typical lawyer spins.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I placed an order for 25 Unicorn XXXX for {$270.00} through a website called XXXX. There were supposed to arrive on XX/XX/XXXX. I was given a tracking number of XXXX. Then on XX/XX/XXXX I revived a very small package with the matching tracking number on it. Inside was 1 little kids coin purse measuring about 2x2 ... very small with a picture of a XXXX character. The 25 XXXX never arrived and i was told by XXXX I would get a refund. The refund was never given either. Capital One told me they could only reverse the charge if I could show proof I returned to package to the sender. it was too late for this as I through the item that would cost less that {$1.00} away. I even showed Capital One proof of the merchant admitting the wrong parcel was sent and I would be refunded. The merchant did not ask for the wrong parcel to be returned. It's not been several months later and XXXX has still not given a refund and Capital One still won't do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: IL

Complaint narrative:
XX/XX/18 received a welcome letter from XXXX 's prepaid XXXX. I never applied nor asked for this prepaid card. It has a prepaid card in the welcome letter with activation sticker. I'm worried that this will effect my credit score or was opened by someone else using my information. Tired to call XXXX 's and could not talk to a live person without having to input personal information like social security number etc. I'm not going to do that. There are fees associated with the account. I hope they aren't already charging me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
1. XXXX XXXX -XX/XX/XXXX, customers service would not help and take care of the negative inquiry 2. XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) XX/XX/XXXX 3. XXXX XX/XX/XXXX and -XX/XX/XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) 4. XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, unauthorized inquiries ( customers service would not help and take care of the negative inquiry ) 5.XXXX-XX/XX/XXXX, unauthorized inquiry/fraudulent ( customers service would not help and take care of the negative inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for the XXXX credit card with the offer of XXXX points and {$0.00} annual fee for the first year. Later, I found out that I was charged the {$95.00} annual fee less than 1 month. I am certain that it was shown {$0.00} intro annual fee for the first year and {$95.00} after the first year with a XXXX bonus on their website when I signed up for it. 

I have contacted Chase through Chase secure message center and called their customer service line, I got the same answer from both sides where they refused to refund the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I recieved an electronic alert from BB & T bank that my account was XXXX dollars overdrawn. This being a weekend and the bank is closed and I am a XXXX XXXX Veteran with a XXXX XXXX XXXX awaiting XXXX ; I have a XXXX XXXX. Therefore, I transferred money to my checking account from XXXX on XX/XX/XXXX at XXXX XXXX. The electronic transfer deposit was for XXXX dollars. I received a complete transaction ID # XXXX. According to BB & T representative XXXX XXXX ; stated the following : " The bank received the deposit on XX/XX/XXXX, with a directive from XXXX that the deposit is not to be processed until XX/XX/XXXX. Upon contacting XXXX it was stated to me by their representative, that they are a third party transfer of funds and they do not send a directive on date of deposit. It was stated that the deposit was accepted by BB & T on XX/XX/XXXX. I then, went further and called the Federal Reserve Banking to ask if they put on directives on money transfers from third parties. They stated ; they do not. Therefore, BB & T intentionally on Monday night debits bank accounts first ; then post credits after to cause their customers to acquire an overdraft fee of XXXX dollars to draw up revenue to their bank. This needs to be investigated as soon as possible. Also, they have adopted a bank regulation that a customer can only have one overdraft fee reversed within a 24 month period. This is completely outrageous and they have threaten to close my account if it is not kept up to a certain standard if I file this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: NV

Complaint narrative:
Not that I expect the current management of the CFPB to do anything about this, but I wanted to register my complaint. 

I have a mortgage with HomeBridge Financial Services and I was notified of a loan transfer by a letter mailed regular mail that on XX/XX/2018, that as of XX/XX/2018 they would no longer accept payments on my loan. Obviously, I did not receive the letter in time to do anything about it and immediately set about making sure that future payments would promptly be made to the new servicer. 

Based on the language in the letter, I simply assumed that they would transfer the funds to the new servicer. Instead, the funds were returned to my account, apparently without notice or comment. 

I understand that the new servicer will be unable to charge me a late fee, but I wanted to register my chagrin at the thoroughly unprofessional way that this was handled. Despite, the anti consumer bias of the current administration, I can hope that regulations are put in place that prevent this kind of thing for future customers of HomeBridge

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Last XX/XX/XXXX, I sent a request to CMRE to investigate on account XXXX. It's been more than 30 days now and I have not received any proper debt validation documents. Moreover, After more than 30 days, what CMRE did is add another account to my credit report, reporting that the account was opened/sold to them last XX/XX/XXXX with a balance of {$290.00}. Both the newly added account and account XXXX seems to be OUT OF STATUTE and had been inserted on my credit report after the statute of limitations expired. I understand that they can report accounts for seven years, but it is a violation to report/insert an account after the statute of limitations. Furthermore, more than 30 days have passed and the XXXX was not able to provide proper debt validation documents to prove the validity of these items. They definitely violated FCRA and FDCPA. This is my last resort before I get a legal counsel involve.

Company response to consumer: Closed with explanation