vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
All I am trying to have rectified is for Capital One to issue the title to a vehicle from an Auto Loan. 

I paid off an Auto Loan with Capital One on XX/XX/XXXX, and at the end of XXXX I contacted them about when I would receive the title. I was told it was electronically released to Pennsylvania Dept of Transportation. 

I contacted PennDot on XX/XX/XXXX, and was informed that Capital One did not electronically release the title yet. Upon calling Capital One on XX/XX/XXXX they had told me Penndot would not accept the electronic release and after talking to the rep they had the wrong City listed as my address, and I was assured it was updated on the call and the title would be electronically released again. 

On XX/XX/XXXX I contacted PennDot again and they said they still did not have the electronic release from the lienholder. I called Capital One on XX/XX/XXXX following up and the address still contained the wrong City for my address, and again I was told it was corrected and the title would be electronically released to PennDot On XX/XX/XXXX I contacted PennDot again and they still do not have the electronic release. I called and spoke to a representative at Capital One who said PennDot declined the electronic release and she would not tell me if the address was corrected on their end. I asked to speak to a supervisor and was on hold for about 30minutes and I was told by the rep that a supervisor would call me in an hour or so. I did not receive a call back The night of XX/XX/XXXX I sent an email and have not had any response either Today on XX/XX/XXXX I called again Capital One again to request to talk to a supervisor, and I was told there was no supervisor available and they would have someone call me, and still have not received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: QUALITY ACCEPTANCE LLC
State: TX

Complaint narrative:
I have previously reached out to this company to obtain a debt validation letter and never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX sent a debt validation letter and nothing was sent back to me in return. Then sent another letter of no response from the debt validation on XX/XX/2021 and still have not received anything from the debtor. They are not in direct violation of the FCDPA and I demand removal of this debt being they are pass the validation timeframe and have not shown proof of the requested items for validation of these debts. Attached are the letters that was sent for validation no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Under USC 1681s-2b I would like for your office to please send me physical documents that discover did in fact provided and notified you after their investigation on accounts XXXX I have reached out to XXXX for them to send me that information they refused or can not provide physical. That the required noticed was in fact entered. I have asked your office multiple times to do an investigation and send me physical proof but each time you fail to send me physical proof! I have enclosed enclosed physicality proof that this information was never entered so I will need for you to send me physical proof or delete these account immediately from my credit file and provide a updated credit report when done so. Again I need physical proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Executive Credit Management, Inc
State: PA

Complaint narrative:
Debt collector EXECUTIVE CREDIT MANAGEMENT furnished unvalidated and fraudulent information on my consumer report without my ( the original creditor ) written authorization pursuant to federal law. 
Ive sent debt validation and cease and desist letters with and invoice ; as well as an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This entity was able to seize my bank account funds and hold my deposit box for no right reason. I was accused by this entity that I owe them money since XXXX, they failed to inform me about any of the process to see them in court as they claims. They took over {$3000.00} from my bank account and ruined my credit report. They claim they represent a fraudulent management company XXXX whom told me to leave their property without harm as they failed to provide safe and livable place for my family to stay as the roof fall on us and left us with no walls for 2 months and we have email from the superiors that we have all rights to move out and both parties will be even with no harm to Sue them neither them claim anything against me and my family. On XXXX found this entity seized my bank account and my wages without any proper way of notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: OH

Complaint narrative:
My business checking account XXXX was closed on XX/XX/XXXX of 2021 with a balance of {$63000.00} Today is XX/XX/2021. I haven't received my funds from Key Bank. I have called numerous times. I spoke with a lady XXXX and was told my check will be mailed XX/XX/XXXX. After I didn't received my check a called back someone told me I will have to go to the branch to deal with the issue. I spoke with XXXX XXXX at the breach his said he called the back office and spoke with numerous different people and no one gave him a solid answer about {$63000.00} check that should have been issued to XXXX XXXX dated on XX/XX/2021. On XX/XX/XXXX I spoke with XXXX in Fraud hotline department he was very rude and said it's nothing he can do for me and would not transfer me to his supervisor or would not give me the number to corporate. Key Bank has seriously damaged my business. I'm not able to pay my employees, pay my rent, or any operating expenses. They have held my funds for over 90 days with no explanation of why my account was closed or when I will receive my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank is refusing to talk to .me They are Only talking to an attorney who has been hired to foreclose-but she has lied to me about her involvement. I have reached out the the " loan serviving co " because TIAA has refused to acknowledge me as the client??? It's so bizzar My house was trying to be taken by my exhus no trustees because he XXXX TIAA is conspiring and not working with me due to do to financial hardships created in XXXX XXXX. 
Their attorney has stated she has filed paper.work in court bit I havnt gotten. Any thing and have requested. ANY INFORMATION.BUT DENIED ACCESS????? 
PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There is an old account with XXXX XXXXXXXX XXXX on my XXXX and TransUnion report that should no longer be on there. It is an aged account and past the statute of limitations.

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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My payment history on my mortgage is incorrect. My payments started XX/XX/2021, not XX/XX/2021. It needs to be corrected and reflective as 4 payments have been made to the account.

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 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
On XXXX XXXX I applied online to refinance my house. I received a call from Amerisave who advised me that as long as my credit score was above XXXX that the could refinance my home for a lower interest rate then I was paying. All I had to pay was the {$500.00} application fee which we did and they then ran my credit report and said I was approved for a 3.5 percent rate. I then started to receive emails from them everyday sometimes 3 and 4 times a day asking me and my fiance to send them w2s, paystubs, proof of insurance which we had to raise an extra XXXX XXXX to cover the {$100000.00} we were approved for this went on for over 30 days, Amerisave asking for the same thing we already sent multiple times before but we kept sending it to them. On day 48 Amerisave said that closing would be on Saturday XX/XX/XXXX this was on Friday XX/XX/XXXX Amerisave said my job said I resigned on the 15 which I did and started a new job on the XXXX making XXXX dollars more per an hour. Amerisave said they would have to verify my name employment which they did, they called my new boss XXXX XXXX which they did and he sent Amerisave what they wanted right then taking time to help me out. Then Amerisave wanted a pay stub which was sent when I picked my check up on Monday XX/XX/XXXX. So Amerisave canceled the closing and said they would call me on Monday XX/XX/XXXX. Which they never did. Amerisave has sent me over 70 emails before this closing date and now I can't get an answer from them because as of now Amerisave is saying I'm making less at my new job when I'm making more. I strongly feel Amerisave tells people what they want to hear and then takes the {$500.00} application fee and then strings them along until people can't take it anymore and just want out and then Amerisave keeps the {$500.00} with no intention of ever giving their customers the loan

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report from XXXX XXXX and XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect. 

I was affected by XXXX. Per the amendment of the FCRA with the CARES Act passed by Congress in XX/XX/2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After sending in several dispute letters via USPS certified mail to Equifax, they have failed to legally investigate and delete several inaccurate accounts on my consumer report. They are willfully furnishing this inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. They have ignored my direct correspondence and attempts to resolve this issue directly. I have attached my Affidavit and other dispute letters I recently sent to Equifax in the past. All these documents have been sent directly to Equifax in the past 120 days and they have ignored them all. All my previous documents and Affidavit clearly show how Equifax is in direct violation of the Fair Credit Reporting Act 15 USC 1681i ( 5 ) by reporting inaccurate information. Unless Equifax takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
There is an old account with XXXX XXXXXXXX XXXX  on my Equifax and XXXX report that should no longer be on there. It is an aged account and past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've contacted Capital One through multiple attempts. Pursuant of 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The creditor did not send the statements not later than 21 days before the payment due date. 

- CAPITAL ONE BANK USA N ( XXXX ) - CAPITALONE ( XXXX ) - CAPITAL ONE AUTO FINAN ( XXXX ) Attached is the copy of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed these items with the 3 credit bureaus and have not received a response from them

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 2021-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: IL

Complaint narrative:
On XX/XX/2021 I bought XXXX XXXX tokens of about {$250.00} when the price of the asset was around XXXX. Later during the day, the price of the token went beyond XXXX. I then decided to sell my tokens to take profit. When I tried to sell it, the screen was showing the value of the total asset was around $ XXXX. And when I tried to sell it, it gave me {$250.00}, the same price of which I bought it. The company I used for this transaction is crypto.com and I tried to tell them about this issue but they were adamant that they couldnt do anything and theres nothing they charge of off selling cryptos. It is doing the same thing with other coins on their platform.

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 2021-06-30 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 — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2021 my card was charged for {$1900.00}. Upon seeing the charge and noticing that my phone or computer was used to make the purchase I had asked everyone in my household about the purchase. I found my ex tennant who rented a room at my home with a computer he had purchased using either my computer or my phone that he had access to. I took back the item and told him to leave my house. Thinking it would be easiest to return the computer I tried to return it at XXXX at XXXX XXXX on febuary XXXX where an XXXX XXXX male claiming he was the manager of XXXX XXXX  would not except the return claiming the computer had missing parts. I originally thought this was a dispute with the merchant as I had the item in hand as I got it back from my tennant who used my card without my permission. After filing a dispute with the merchant I was told it still should be considered an unauthorized purchase. I feel i should be covered no matter how its filed as visa offeres a purchase protection. Im unhappy with the product and dont want it and XXXX did not accept the return, and i also did not make the purchase so its an unauthorized purchase. Based on visas consumner protection i should be covered by one of these as I was willing to return the item but the merchant would not allow it. After 3 months of waiting for an answer and even being told I would qualify for a provisional credit and not getting it and having late fees add up, i was told that i would not be covered by any of the promised buyer protections or unauthorized purchases that visa offers by chimes disputed department. I have provided police reports and small claims reports but they feel no error has been found while i sit short of XXXX XXXX dollars and a computer i did not want. I feel this is in breach of the visa protection they claim they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOPE BANCORP, INC.
State: WA

Complaint narrative:
Last summer I took advantage of an offer from the Bank of Hope to suspend payments for 3 months due to challenges related to COVID. Per the signed agreement with Bank of Hope I did not pay for XXXX, XXXX and XXXX of XXXX. In XXXX, I began to pay double payments. I paid double payments for XXXX, XXXX and XXXX per my agreement with XXXX XXXX to ensure that by the time the XXXX payment was made, the account was current. 

In late XX/XX/XXXX I realised that Bank of Hope thought that I had missed a monthly payment. I began to interact with XXXX XXXX and XXXX XXXX in their loan servicing department. XXXX XXXX commented on the phone that because of the COVID repayments he thought one of my double payments had been misallocated. I have an e-mail from XXXX dated XX/XX/XXXX where she says she opened up a ticket with the research department to have this sorted out. On the phone several times she said that the reversals of my late charges would be made and that the account would be brought up to current. I asked for a print out of how all of my charges to date had been applied to the account which she never sent. 

The next payment coupon and the next after that continued to show that I was a month late on payments. XXXX XXXX also opened up a ticket and I again asked for a print out of how all of my charges to date had been applied and sent e-mails detailing the records of my payments which I made via the Bank of Hope 's online system asking for them to point out where I had missed the payment. I never got a final response from XXXX. 

After several calls and e-mails through XXXX and early XXXX, I connected with XXXX XXXX who was able to show me a spreadsheet of exactly how my payments had been allocated and that he agreed with me that my account was actually current. He said he was in the process of creating the reversals. Unfortunately, Bank of Hope transferred servicing of my loan to XXXX before those reversals could be made and XXXX are now showing that I am one month late on my mortgage payments. I have made repeated calls to XXXX but I am not able to connect them with XXXX XXXX and in spite of promises to " raise a research ticket '' it's been 2 weeks and nothing has happened. 

I spoke today with the XXXX mortgage service team who acknowledged that no ticket has been opened up in spite of my repeated requests to have someone on the XXXX side engage directly with Bank of Hope. The supervisor I spoke with said that their process did not allow for that to happen and that she would raise a ticket with research. I asked why that hadn't happened already and got no definitive response, only apologies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My payment history on my mortgage is incorrect. My payments started XX/XX/2021, not XX/XX/2021. It needs to be corrected and reflective as 4 payments have been made to the account.

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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My payment history on my mortgage is incorrect. My payments started XX/XX/2021, not XX/XX/2021. It needs to be corrected and reflective as 4 payments have been made to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal fraudulent charges. Despited the transactions and was denied. XX/XX/2020.

Company response to consumer: Closed with non-monetary relief