vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One was in the process of opening a new credit card fraudulently applied for in my name. I spoke to their Fraud Department who stated " we would have called you ''. At the time I spoke to them, it had already been a week since the application had been submitted online. The reason I was aware of the issue is that XXXX had emailed me to let me know there was a hit to my credit score. I asked Capital One to flag my information & deny any new applications that were submitted. The stated they could not do this. That is a lie, as they will flag people with bad credit & deny them a new account. Furthermore, this was the second attempt to open a new card in my name this year. After the first attempt in XXXX, I had placed a Fraud Alert with all three credit companies ( XXXX XXXX,  and XXXX XXXX XXXX. The Fraud Alert is still active and Capital One ignored the Fraud Alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: RI

Complaint narrative:
We received notice that our mortgage servicing company ( CMC Funding / XXXX XXXX XXXX ) would be changing as of XX/XX/XXXX I called on XX/XX/XXXX to set up payments, was told that the loan was in process and we could not set up our account until the XXXX I called again on XX/XX/XXXX, and was told it was still in process. 
I called again today XX/XX/XXXX, and was told my information was incorrect and they were unable to speak to me. I then said that they by law had the obligation to provide me the details by the XXXX, and the person on the line asked me if I had an attorney, and then refused to speak to me or transfer me to a supervisor. 
I have contacted the owner of my mortgage ( XXXX XXXX ) to help resolve this, but I'm submitting this because I refuse to work with this fraudulent scam company ( CMC Funding / XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
This loan has an APR of 725 %. The legal limit in the state of Ohio is 28 %. I can't pay this loan back. I am willing to possibly negotiate a pay off of less than I borrowed. I am going though debt consolidation with an attorney. I should't have to pay anything because this loan is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion Personal Credit Report XXXX created XX/XX/XXXX, File Number XXXX, for XXXX XXXX XXXX, XXXX XXXX, top of first page, shows incorrect birth date pf XX/XX/XXXX. Correct birth date is XX/XX/XXXX. No response received yet, after notifying TransUnion via their website link in their online credit report.

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 2019-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
National Credit Adjustors XX/XX/2018 - I faxed a written request to stop harassing me at work. Then I started receiving a call every night at my 2nd part time job which was noted by my coworkers that they have been calling me every night.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Integrated Asset Recovery LLC
State: PA

Complaint narrative:
This company called my phone number asking for me I told them it was me and asked them what the call was regarding they refuse to tell me unless I give them personal information so I asked them not to call me and to send a letter They have called at least 3 more times and i repeatedly asked them to stop calling my phone and send a letter. I will not give out personal information to anyone I dont know who wont tell me why they are calling.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
so this is nOT a duplicate complaint i aalready filed this and it was returned this is NOt a duplicate on XX/XX/XXXX i was told and the call should be accessed i would have XXXX cents credited to my account. never happened. i did not ask for it it was offered details are all on the call from that day. i would appreciate the money back as promised. thank you I have called since not done. told not approved yet. well if i was told it and offered it should be done. please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I have called the Bank of America auto loan number XXXX XXXX XXXX repeatedly without success. I need a release of lien letter for my XXXX  XXXX XXXX XXXX XXXX.

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 2019-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
During our re-finance process, we were contacted by more than 6 different team members. When trying to return phone calls or emails, I either wouldn't hear back, or would receive conflicting information. We were supplied our final disclosure 7 days prior to our closing date, then on the closing date, supplied a VERY DIFFERENT disclosure we had never seen before. Only upon inspecting the disclosure on THE DAY OF our closing ( when I had to specifically ask to see the revised disclosure - it was not provided voluntarily ), did I find that there were errors and issues with the disclosure. I had to call multiple people to re-schedule the closing date and have them correct the issues that would have resulted in us needing to pay {$1000.00} more in closing costs. Even then, we were not supplied a new disclosure until a few hours before our re-scheduled closing date a week later which STILL had errors. The level of incompetence I experienced where I had to check Freedom Mortgage team members work was simply unacceptable. If I had a choice and we weren't already so far into the process, I would have refinanced with a different company.

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 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
This is my 3rd complaint against Ditech Loan Servicing. By the time they answer this complaint the home will be on the market for sale. 

I along with my siblings are the successors in interest of my father 's home. Ditech has been contacted by me several times and my Lawyer as well. My attorney sent a QWR in XXXX and Ditech has failed to answer it. Instead they have forced me to correspond with XXXX XXXX, a Debt Collection Attorney. 

I have not been contacted by anyone from Ditech. I asked their attorney for a person of contact that I could speak to and he did not answer me. I also asked him if he could guarantee that there would be no encumbrances on the title when it went to close, No Answer! 

Ditech sent me a statement with attorney fees added to it. These fees are due to the illegal sheriff 's sale that they attempted in XXXX. They have repeatedly Violated RESPA laws and continue to do so. 

I would like a Qualified Person from Ditech to phone me at XXXX so that I may have some answers to many questions concerning the sale of my Father 's home and his mortgage file. I do not trust Ditech as they have 100 's of consumer complaints as well as filing bankruptcy twice in eighton month 's. 

I am attaching the file of my QWR and Ditech 's latest statement that was sent to my Father and not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: TN

Complaint narrative:
XX/XX/2019 I called Capital One to upgrade my credit card to a rewards card but was told I had to make new application which I did with him during that call giving authorization to pull credit inquiry. A couple weeks later I recieved letter requesting me to provide my current 1099 which I did then I recieved letter of denial citing too many recent inquiries. When I checked all three bureaus Capital One appears on XX/XX/XXXX ( authorized by me ) and again on XX/XX/XXXX ( not authorized by me ). They just need to remove the XX/XX/XXXX inquiries from all 3 credit bureaus but can't speak with anyone authorized to help with this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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: MO

Complaint narrative:
My Capital One credit card was compromised sometime in XX/XX/2019 There were several charges on my XX/XX/XXXX bill which I did not make. I called Capital One and they agreed to remove the charges and send me a replacement card. They sent me a new card and removed some, but not all of the charges. 
Because they remained on my card ( and I didn't pay them because I thought they had been removed ), I was charged late fees and interest. I have letters from Capital One about removing the charges. 
I called again and was assured that the late fees and charges would be removed and I would owe only {$1.00} in interest which I paid. However, my next bill did not reflect the promised removal and in fact more late fees were added on. I called again and was told the same thing, and again, my last bill ( XX/XX/XXXX. ) had more late fees added on. 
My most recent call was XX/XX/2019 and I talked to 3 different " account specialists ''. I was told 1 ) that again that the charges had been removed ; 2 ) that the charges could not be removed while I had a balance due 3 ) that the charges would be removed and they would email me verification of that. I checked my email numerous times and never received anything. After being put on hold, they told me I had to have online banking to receive an email. I then asked for something via regular mail and they said they would send that out and it would take 10 business days.

Bottom line, they have been giving me the " run around '' and I am not getting anywhere with these numerous calls..This last call was especially frustrating as I was told 3 different things by 3 different people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I attempted to send money using Cash App. I received a response that stated I needed to verify my identity. I provided my name, phone number, and address. Cash app Then had me take a picture of my drivers license and debit card. Cash App also had me allow access to my contacts which was uploaded. Cash app then made me sign in to my bank to retrieve account information. After all four steps were completed, cash app immediately closed my account. I reached out to ask why. The response was I violated the terms and conditions. I asked specifically what terms and conditions I violated and never received a response. I have asked this question twice. I am concerned about my privacy since I provided a lot of accurate but private information to verify my identity. If there is some other term that was violated ( identity couldnt be the cause ), then why was I asked to divulge such private information? I will be seeking civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2019 I tried to access my free annual credit report via https : XXXX. I was able to retrieve my XXXX credit report without a problem, but Equifax gives the message " Online Delivery Unavailable '' and requests that the customer physically mail them personally identifying information. This is problematic for three reasons : 1. It's not free, you have to pay for postage. 
2. It's not immediate. I want my credit report this morning. This will prevent many people from following through and requesting a report. It would be weeks before I see the report. 
3. The burden is on me to dig up the information they request, find a copier, go to the post office ... This should not be the case and will obviously discourage many people from requesting the report that they are required to provide by law. 

I believe that Equifax is violating, if not the letter, the spirit of the 2003 Fair and Accurate Credit Transactions Act. In the past, I have easily been able to get my credit reports. 

Why should these obstacles be put in place? They weren't in the past, there is no reason to, and the other credit reporting agencies don't do it. 

If their excuse is " security '', it is not credible. This is not an insecure method of receiving a credit report and the hoops that people would have to jump through to retrieve the free credit reports that they are entitled to, are completely unnecessary and are part of the reason the law was passed in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/2019, I requested XXXX File No. XXXX Equifax File No XXXX to remove an inaccurate consumer name reported on my credit report. The report indicates a name XXXX XXXX XXXX. It is an incorrect name. Also listed is XXXX XXXX.XXXX, XXXX XXXX..also XXXX XXXX ... these name are inaccurate and XXXX has failed to remove the inaccurate names as I properly included verification of my identity, I have not received any updated credit report. This is hindering me from establishing credit. The dispute has gone over 90 days without an update and still remains reported on my credit file. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: OK

Complaint narrative:
I no longer have access to transaction details on my account nor am I able to see the escrow balance. I was told that it was due to me being in an active bankruptcy. 

My mortgage payments are up to date and bankruptcy should have no bearing on my ability to see what is going on with my account. There have been numerous occasions where my payments were not applied appropriately. I am currently waiting on money to be moved to my escrow account that was paid to M & T on XX/XX/2019 ( {$1200.00} was for my mortgage payment and {$2100.00} was for my escrow account ). I have called 3 times to get this taken care of. The amount of {$2100.00} was a refund from a previous home owners insurance company. I was able to catch this because for several months I had access to online detailed account information. The money was placed in a suspense account when I clearly specified online where the money should go ( there are fields for principal, late fees, escrow, etc. that allow you to enter the dollar amount to apply ).

My escrow account is currently negative because of this. This also affects my monthly payment when the time comes for the escrow analysis. With a negative balance, my mortgage payments will definitely increase.

Trying to call in to make a payment is a joke. It may take 2 days just to reach someone. It appears that because I filed bankruptcy, M & T wants to make it harder so that I get behind, when I was never behind to begin with. My reason for filing bankruptcy had nothing to do with my mortgage or inability to pay.

Not being able to see detailed account information at any time is a problem. I should not have to wait 30 days for a statement in order to catch any errors they may have made. If my payments were applied appropriately each month I would not be as concerned, but, they have.

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 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019, I paid {$2600.00} which left a balance of {$120.00}. Today, XX/XX/2019, Capitol One added {$43.00} interest charge to my balance. I asked why and they said it was based on last months purchases. They can see I made a huge effort to pay and I'm furious they added this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Like 140 other million Americans, Equifax failed to protect my information. 
I signed up for the credit freeze service. 
I would like to apply for credit. 
Equifax has decided to use this as an opportunity to sell new services. 
When I follow a XXXX search to unfreeze my credit, I am taken to a page for myEquifax. 
I have to give them my private information before I can sign in to my account. Not safe. This is unlike any other situation with financial institutions, where you can only give out your info inside an encrypted account - often with double authentication. 
Once I give all of that info, it says " get a new account. '' Thus - their XXXX search responses are taking me to the wrong place. 
I have worked to unfreeze my credit twice, each time for over an hour. 
I can not get credit because of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has posted business credit information on my personal credit report. Furthermore, American Express reports this account as charged off after entering into a repayment agreement. This account is being paid as agreed by the superceding agreement, and should not be posted as a personal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CO

Complaint narrative:
I had student loans that i thought were set up on a payment schedule or that i would receive a bill notifying me when they were due. Unbeknownst to me i had to set up an account and set up payment without ever being notified. When i finally did get notified in the mail that i was late on a payment i set up the account for automatic payment immediately. I had no idea that i had late payment history on my credit report until recently when i applied for a home loan. I have tried to correct the late payment history with the student loan company but have not success. I had no idea that a payment was even due until they notified me and i paid it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX has posted business credit information on my personal credit report. Furthermore, XXXX XXXX reports this account as charged off after entering into a repayment agreement. This account is being paid as agreed by the superceding agreement, and should not be posted as a personal 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 explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
2 yrs ago I went through the partial release of my property. A home was built on the portion that was released by my mortgage company. We are now trying to close on the property and when the title was pulled it was discovered that the mortgage company used MERS to sign the reconyence, which evidently is not allowed. My loan officer, my escrow company and myself have made several attempts to the mortgage company to correct their error and they have even made instructed them how they can correct the error as it seems no one seems to understand how and they are not correcting the error. We explained to them this is time sensitive and it has now been 3weeks with no resolution to the issue. I feel like my hands are tied and at the mercy of my mortgage company and to talk to a supervisor is impossible. The mortgage company is PHH. This situation has placed me in a financial hardship and great physical distress.

Company response to consumer: Closed with explanation