vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 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: CA

Complaint narrative:
Capital One Bank ran an unauthorized credit check on my credit report on XX/XX/XXXX XX/XX/XXXX. I sent a letter to XXXX, XXXX as well as Capital One Bank asking for removal of the unauthorized inquiry. XXXX, and XXXX  said I needed to reach out to Capital One Bank ( which I did in writing ) and the inquiries are still reporting. 

I did not apply for a line of credit from Capital One Bank. I would like the inquires to be deleted NOW. It is against the law to run an unauthorized credit check without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Since almost the opening of my account I requested payments be allotted to non-promotional purchases before promotional purchase so I may make a greater effort to avoid accruing interest. Recently the credit card provider added a new kind of promotion that requires that type of payment first and changed the allotment of payments to equal pay first, expiring promos next, then non-promos for the remainder. I was NOT notified of this change that I was no longer able to designate how my payments were allotted, as I had SPECIFICALLY had done in the past. I made a payment last month that should have covered the non-promo balance and not incurred interest, but with the unknown change I ended up getting charged interest. It may be a small amount, but the principle of the matter is they made these changes without my knowledge, consent, or adequate explanation on the bill. The statements are confusing with all the different types of transactions now, and nowhere can one easily figure out how much needs to be paid to avoid an interest charge for the month. Neither a customer service rep or their manager were willing to at least waive the interest for one month to maintain customer satisfaction, and could or would not adjust my payment allotment to how it was previously.

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 monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
mr cooper keeps saying that i am one month delinquent on my mortgage when i am not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
in XXXX I had a loss in the home- a check from my insurance company was issue to me and mortgagee. I sent check to mortgagee for them to release funds. since XX/XX/2019 I been trying for them to release funds. I pay already a contractor and still no money has been sent out. If is not one thing is another. I paid out of pocket thinking I was getting the funds right away now I am struggling to pay the home to avoid foreclosure. Loss draft dept has all documentation inspections and still no payment out. 
The property is 70 % fix and still no payment for them to issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2020 and I made a phone call to Jefferson Capital systems and I contacted Them in attempts to resolve my past due you debt.I was told that there was an offer for {$420.00} I asked the representative if there was a lower offer and he said yes it is {$300.00} if you pay right now.I said OK fine are you able to email me something stating that this is my settlement offer he stated no I said will how do I know that this is an offer that would resolve my balance he said because I am telling you he then went on to threaten to hang up the phone and not help me I then asked if I could speak to a supervisor and the supervisor than advise me that no yes they can except that but theyre not able to give me any type of correspondence I understand what the companys policy is but as a consumer how do I make a payment when youre telling me that yes I can except this to resolve the debt but I cant give you anything stating that this will resolve the balance but in the past they were able to send me those correspondence so I felt that that practice was deceptive and it was unfair because its not the fact that Ive never received correspondence its the fact that today theyre not able to give me any type of letter stating that this would resolve my account so that makes me feel that they are being deceptive with the statement of allowing me to settle the account for {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
My Husband & I sat through a Wyndam Vacation club presentation in the XXXX XXXX, SC area on XX/XX/2020, We declined the purchase, but said we may consider it in the future. We were asked for my Husband 's SS # and signatures for their files. We were told that they needed this for informational purposes only and they required it to give us our gift of XXXX free points for sitting through the presentation. We were told they would not check our credit or do anything with the information. We started getting alerts from XXXX the next day. We also were notified that we were both approved for a Wyndam VISA credit card in each of our names - with a credit limit of {$30000.00} each. When we arrived home after our vacation ( XX/XX/2020 ), we called and canceled both cards. We are still receiving correspondence as if the cards were still active and haven't received written notification that the accounts were closed. We did not give anyone permission to check our credit and/or apply for a credit card. It's my understanding that this may have a negative effect on our credit rating and would like to have it removed from our credit report. I can provide more info. and dates from our XXXX alerts if needed.

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Accounts with missed payments AUTO LOANS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Was behind in making payment got help and then start making my monthly payment and after three consecutive payments and reaching out to the CEO of the company my payments were sent back to 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 2020-02-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have filed a dispute several time with the credit bureaus XXXX, XXXX  and transunion to investigate this account and it keeps coming back updated. I also sent certified dispute to the company for investigation and the mail continues to come back. this company should not be reporting on my file at all

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 2020-02-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have filed a dispute several time with the credit bureaus XXXX, experian and XXXX  to investigate this account and it keeps coming back updated. I also sent certified dispute to the company for investigation and the mail continues to come back. this company should not be reporting on my file at all

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 2020-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Accounts with missed payments AUTO LOANS XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
I sent a check to pay my escrow shortage in full, it wasn't received. My bank is aware & will stop payment if it comes through. On XX/XX/XXXX I called & spoke with XXXX at Specialized Loan Services, my mortgage company. I paid my escrow shortage {$330.00}. I had been told previously my payment was still going up, from {$760.00} to {$790.00} even after paying the escrow shortage. My monthly bills kept showing {$820.00}, as if escrow was never paid. I called XXXX XXXX and was told escrow showed as paid, the system just wasn't updated but would be. The regular payment should be {$780.00}.?? I paid what I did last time. XXXX bill arrived, same problem.. XXXX bill arrived and I called on XX/XX/XXXX. I spoke with XXXX. She was very nice & as confused as I was. Escrow HAS been paid!! She transferred me to the escrow dept & I spoke with XXXX.This is when she told me that when they took over my loan in XXXX there was a {$28.00} escrow shortage! it had gone up to over {$50.00} ... I GOT VERY UPSET!! this is the first I'm hearing of it.. From almost 3 years ago!!?? I pay my escrow shortages in full every year!! What the XXXX happened?? I said I was not going to pay for something that happened years ago & I was never informed about.. She said I would get a letter of explanation.. I HAVE RECEIVED NO LETTER ... on my mortgage statements.. 
XX/XX/XXXX uncollected escrow {$28.00} XX/XX/XXXX uncollected escrow {$56.00} XX/XX/XXXX uncollected escrow {$50.00} XX/XX/XXXX uncollected escrow {$45.00} XX/XX/XXXX uncollected escrow {$45.00} XX/XX/XXXX uncollected escrow {$39.00} I want an explanation why I'm paying for escrow from XXXX How did it go from {$28.00} to {$56.00}??? and what exactly is my real house payment suppose to be??

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 2020-02-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: FL

Complaint narrative:
I receive my Social Security benefits deposited on my Direct Express Card on the 3rd of each month. On XX/XX/2020 I checked my account and was notified that it was under " fraud suspension ''. I called the customer service number on the card and was unable to speak to anyone. I made a multitude of calls to that number and have still not been able to speak to anyone. I also contacted the issuing bank and was told they have no connection with the card, they just issue them. Then I filed a complaint thru their company, received one call from a representative who left a message with a number for me to call back and, after 8 ( eight ) calls in two days ) have been unable to talk to anyone. I am a XXXX-year-old XXXX  who lives on Social Security and now there are two month 's worth of benefits tied up on this card because I can not get an answer as to what is happening with the " fraud ''. This card to recommended by the Social Security Administration and all I can say to that is " DON'T USE IT. IT IS A SCAM ''!!!!! From now on I will be using a conventional bank account and recommend everyone else does the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Bank ran an unauthorized credit check on my credit report on XX/XX/XXXX XX/XX/XXXX. I sent a letter to XXXX, Equifax as well as XXXX XXXX XXXX asking for removal of the unauthorized inquiry. XXXX, and Equifax said I needed to reach out to XXXX XXXX XXXX  ( which I did in writing ) and the inquiries are still reporting. 

I did not apply for a line of credit from XXXX XXXX XXXX. I would like the inquires to be deleted NOW. It is against the law to run an unauthorized credit check without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  ran an unauthorized credit check on my credit report on XX/XX/XXXX XX/XX/XXXX. I sent a letter to Experian, XXXX  as well as XXXX XXXX XXXX  asking for removal of the unauthorized inquiry. Experian, and XXXX  said I needed to reach out to XXXX XXXX XXXX ( which I did in writing ) and the inquiries are still reporting. 

I did not apply for a line of credit from XXXX XXXX XXXX. I would like the inquires to be deleted NOW. It is against the law to run an unauthorized credit check without my permission.

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 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Law Offices of Jeffrey Nadel
State: MD

Complaint narrative:
My complaint is that I am a victim of XXXX XXXX XXXX Great Foreclosure Fraud, with the Order to Docket suit to foreclosure on my property. by the following Plaintiff. 
XXXX XXXX, XXXX XXXX, Civil No. XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Plaintiff A copy of the Order to Docket suit is attached to this complaint. 

I have lived in the property for 22 years and have been fighting this corruption and fraud since 2006 when the mortgage documents were presented to me. 
I have detailed the truth in such scandalizing description highlighting the corruption, fraud and intentional deception perpetrated on the American homeowners, Maryland 's Civil Court, and myself by XXXX XXXX banksters, Loan Servicing Companies such as XXXX XXXX XXXX XXXX, and the Plaintiff in my Motion to Dismiss Order to Docket suit with Prejudice as attached with this compliant to CFPB. 

With my Motion to Dismiss Order to Docket suit with Prejudice, I identify those parties, challenge assignments or transfer of a mortgage note and of deed of trust by a pool performance of my Mortgage loan securitization documents. With my motion I take to force each party to prove a chain of assignment and their legal standing to collect payments and foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7000.00}, {$10000.00}, {$6200.00}, {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my 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 non-monetary relief
Consumer complaint received 2020-02-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7000.00}, {$10000.00}, {$6200.00}, {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my 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 2020-02-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7000.00}, {$10000.00}, {$6200.00}, {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.

Company response to consumer: Closed with explanation