vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage loan was transferred from XXXX to LoanCare ( XXXX XXXX XXXX, XXXX  XXXX, VA XXXX ). Per my bank statements ( emailed to LoanCare ), there was a {$2500.00} payment on XX/XX/19, {$2500.00} payment on XX/XX/19, and a {$2500.00} payment on XX/XX/19. 

I received a late fee notice in early XXXX from LoanCare. That's when I realized LoanCare has not recorded my prior 3 payments of {$2500.00} even though the money was cashed by LoanCare. These {$2500.00} payments were cashed by LoanCare on XX/XX/19, XX/XX/19, and XX/XX/19. 

Per customer service recommendation, I emailed their support along with all bank statements that showed the three {$2500.00} payments. I received an email back stating that LoanCare did not see any issues and that my case my closed. 

I called LoanCare back ( XX/XX/19 ) and explained again my scenario. Support ( XXXX ) stated that they are now seeing the three {$2500.00} payments, but it was applied to an old loan number. 

I told XXXX at support that I wanted to a pay off amount today. However, he said he could not give me a payoff amount until these 3 missing payments were resolved and it would probably take 14 days to resolve. 

I originally asked for a pay off amount when I first called LoanCare on XX/XX/19 because of the late fee notice. I am now expected to wait another 15+ days until they resolve the issue. LoanCare will be charging me interest on my loan for the next 15+ days. LoanCare should not be charging me an extra 15+ days of interest if they made a mistake on their end. 

LoanCare has damage mine and my wife 's credit score because they reported our mortgage as late. 

It seems like thousands of others have reported the same things : https : XXXXXXXX XXXX After my experience and reading all the similar reviews online, I believe LoanCare is deliberately conducting immoral and illegal business practices to scam others to pay more fees and interest on their loans. 

-- -- -- -- -- -- -- This is one example of my many phone calls to LoanCare : Called support line and asked to speak to a supervisor. She said ok and right after I heard her say " I'm going to hang up on this XXXX XXXX '' and then she hung up. This occurred XX/XX/19 approx. XXXX Confirmation # XXXX. Her name was 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 explanation
Consumer complaint received 2019-09-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I found my credit report with Experian has been frozen. I have tried online to unfreeze at least 5 times, I have also sent in writing three times to a XXXX XXXX XXXX Texas three forms  of sensitive identification i.e SS number, passport, bill with address. 
I can not reach ANYONE at the company and there is no email to find out if my information has been received. 
My account is still frozen and I am VERY CONCERNED that my personal information could be in anyones hands. 
The worst part is there is literally no way to reach them. 
Before I have an identity problem can you please help me and unfreeze my credit but more importantly assure me my personal identification is safe. 
Please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2019-09-19 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: CO

Complaint narrative:
Hello, I've had an issue with Capital One internet services. I found out through my Experian credit monitoring that I was behind on a payment. I never received noticed of this payment being due either by email, letter, or phone. I thought that the balance was at XXXX and I never use the card. I had cut the card up long ago. When trying to resolve the issue, it's been nearly impossible to deal with their online interface. The only way to log in to my account after forgetting my password was with the CCV code on the back. Obviously, not having the card, I didn't have this information. I've been dealing with over 5 different customer representatives to try to regain access to my account, and it's taken hours. A huge problem was that the company wanted to verify my account information using only text messaging. As someone who lives in a rural area, i don't receive text messages, and was forced to consent to use them as means of communications regarding my account, despite not being able to receive them. I find this an unfair disadvantage for just trying to maintain my account information as someone who doesn't live within cell range. I rely on satellite internet, but standard messages do not go through. As someone just wishing to receive timely information about my account, and someone who's had a spotless payment record up until this point, I find this mark against my credit as an unfair penalty for not living in more urban environments. The amount of my time spent trying to resolve this issue was absolutely ridiculous, and at no point was I ever offered the opportunity to resolve it via Email or other forms of internet communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2019 - {$400.00} - I was scammed out of {$400.00} by a scammer selling football tickets. The payment for the tickets went through the digital payment service called XXXX/XXXX directly through my banks app - JP Morgan Chase- It was a complete scam ... the tickets and person apparently did not exist. I immediately, as in within the hour of occurrence, contacted the bank ( Chase ) and they said since it appears I authorized it, they will not or can not refund my money. I even opened a claim and the bank closed my claim ; will not refund or make any adjustment to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: SC

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have attach my proof of ID and address.

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 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX based out of XXXX, MO pulled my credit report without my authorization. My husband had been working with them on a pre-qualification. I was not involved in any of their previous discussions. 

I did not authorize them to pull my credit report. When I called on XX/XX/XXXX to inquire as to why they did pull my credit several people were conveniently " unavailable '' to talk with me. On XX/XX/XXXX a person named " XXXX '' from the " Production Management Team '' returned a call to discuss inquiry from XX/XX/XXXX. When I was able to speak with XXXX he informed me that my husband had filled out the online application and had given them permission to work toward a pre-qualification. When I contested his authority and my husband 's authority to grant permission to accessing my financial information his response was, " Your husband is allowed to grant us permission because you are legally married and he has that authority. '' Last time I check, this was not XX/XX/XXXX and I have my own rights independent of my husband and I am the only person who can grant anyone else access to my personal, identifiable information such as social security, HIPPA, etc. This includes access to my credit report. 

XXXX XXXX XXXX XXXX XXXX infringed upon my personal rights by accessing my financial information without MY express consent. The fact that I am married has no relevance in them not seeking my permission. I was not in contact with them during any point of my husband 's attempt to pre-qualify for a loan.

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 2019-09-19 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had co-signed on a credit card account with Wells Fargo with my student daughter. This was some time around 2012. I was/am the primary co-signer due to my credit score. The credit limit was set at {$1000.00}. Wells Fargo fraudulently and without my knowledge or authorization kept increasing the credit limit until it was over {$7000.00}!

These were charges all made by my daughter and the account has since been closed and paid down to around {$3600.00}.

It was NEVER my intent to have the card run over {$1000.00}! If Wells Fargo is going to make ME responsible for this account I should have been the once to authorize the increases. I would like them to take my name off this account. Further, I want Wells Fargo take the balance down to {$1000.00} due to the fraudulent actions with my credit and name.

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 2019-09-19 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: MO

Complaint narrative:
On XX/XX/2019, I scheduled an online payment to be posted to my account on XX/XX/XXXX. Apparently I was late on my payment for the month of XXXX. XX/XX/XXXX, I get a notification email from my credit motoring service showing I have negative payments on my account, showing that I was 30 days late on my payment for the month of XXXX and 30 days late for XXXX ( my score dropped 41 points ) .Today XX/XX/XXXX I check my auto account to find my payment was re-scheduled for XX/XX/2019. I contacted the bank about this error on my report and they were not willing to correct it. I'm at the end of my loan with 7 payments left and have not missed a payment in the last 2 years.the only thing the bank was concerned with was paying late fees. I believe this was an error due to the banks online system. This error that changed my credit rating in which I had plans to buy a house in the next few months will have a negative effect.

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 2019-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I believe Synchrony bank conducts business in a predatory manner. When they offer deferred interest and demand that you receive statements online in order to qualify, it's easier to miss the due date. I incurred {$4100.00} in interest on a XXXX purchase. Yes, that's 41 % of my initial purchase. I made my payments on time each month and paid more than the minimum required but I'm a senior and in the process of retiring and moving my files were not easily accessible. I thought I had a 24 months interest free period when it was actually 18 months. Since I've had credit with Synchrony in the past and always paid on time, I called to ask for a reduction of the interest - they denied me. Their interest rate on my new balance is {$200.00} per month, with the deferred interest added back on. This means if I kept making {$300.00} payments it would take more that two years to pay off the rest of the balance and they would have collected more than 100 % interest on a {$10000.00} purchase. This seems excessively greedy and predatory.

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 2019-09-19 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:
After many disputes with Equifax, the following accounts resolution was listed as verified. 
The accounts that I have disputed are all reporting false information which in return is damaging my credit. I am asking that the following accounts be removed due to reporting false and inaccurate information that are in violation. 

XXXX XXXX Acct # XXXX Payment history shows account as OK XX/XX/XXXX ; Who is made that payment? 
Payment history is also showing 120 days late starting XX/XX/XXXX to XX/XX/XXXX ; this is not even possible ( 120 Days Late * 3 Months= 360 days ) How can I be 120 Days Late for 20 months? 

XXXX XXXX Acct # XXXX Payment history show payments are being made ; Who is making these payment? This account is a charged off account XXXX Acct # XXXX This is a Charged Off Account. Who is making payments? 

XXXX Acct # XXXX This is a Charged Off Account. Who is making these payments? 

XXXX Acct # XXXX How can it be 120 Days late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX, and " OK '' from XX/XX/XXXX to XX/XX/XXXX but also shows120 Days Late XX/XX/XXXX. Who is making payments? 

XXXX Acct # XXXX How can it show 120 Days Late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX. Who is making these payments? 
How can I be 120 Days XXXX XX/XX/XXXX and XX/XX/XXXX. 

XXXX Acct # XXXX How can it be 120 Days late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX, and " OK '' from XX/XX/XXXX to XX/XX/XXXX but also shows 120 Days Late XX/XX/XXXX. Who is making payments? 

XXXX Acct # XXXX How can it be 120 Days late? Payment history shows " OK '' from XX/XX/XXXX to XX/XX/XXXX, and " OK '' from XX/XX/XXXX to XX/XX/XXXX but also shows 120 Days Late XX/XX/XXXX. Who is making payments?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I closed on my home on XX/XX/XXXX with Rocket Mortgage/Quicken Loans. Before closing, I provided Quicken Evidence of Insurance documentation for my FHA loan showing a full balance due of {$1900.00} to be paid by the Mortgagee ( see attachment ). At closing, Quicken only collected 4 months of insurance for a total of {$650.00} and subsequently only paid {$160.00} to my insurance company. On XX/XX/XXXX, Quicken made an unanticipated disbursement of {$1700.00} to my insurance company. I called Quicken and asked why they made an additional disbursement and their only resolution was to spread the shortage out over 24 months. I should not have to pay for their mistake. On XX/XX/XXXX they made another unanticipated disbursement out of my escrow account iao {$1900.00} to my insurance company. I contacted Quicken via email the same day and was told the additional disbursement was made to prevent a lapse in coverage and to send any refunds from my insurance company to fund my escrow account. I now have a deficit of - {$3700.00} in my escrow account due to poor origination AND servicing. This is EXACTLY how consumers are setup to fail. I provided all the required/accurate documentation upfront and am looking at a payment increase that will exceed what I am able to afford. Where is all of this money? I want Quicken to pay for their mistake iao {$1700.00} and find that extra disbursement they can't account for to put back to my escrow account. Please help as my requests to them have fallen on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
We are under contract to buy a home and had been working with Navy Federal in the mortgage process. We received pre-approval in a relatively timely manner and a loan estimate via email after repeated phone calls and email attempts. When we decided to use Navy Federal as a lender, we began calling with questions for our loan officer. We called approximately 60-70 times and left at least a dozen messages for both her and her listed supervisor. We have still never spoken to her or her supervisor on the phone or received a call back, only sporadic emails ( maybe 5-6. ). Getting increasingly frustrated with the lack of contact, we called NFCU general phone number on two occasions. The first occasion resulted in the agent going in to speak with our loan officer ( XXXX XXXX ) then relaying information to me, namely that XXXX was too busy to talk and that we would receive a call back. We did not receive a call. XXXX business days later I called the general number once again and was told that XXXX was in the office but could not be reached. The call was escalated to a supervisor. The supervisor informed me that he would email XXXX and her direct supervisor but that no other action could be taken to assist us. When asked what a reasonable time frame in which we would be contacted, he stated that he was unable to predict the future. We inquired on both calls with the customer support about switching loan officers and both times we were informed we could apply for a new officer, but would not be able to get one within our closing window to avoid delaying closing date ( deadline of XX/XX/2019. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
The deliquent account was for The City Of XXXX for {$290.00}. I was still receiving invoices from the City via email. 
The Credit Bureau of the South aka Delinquent Recovery Associates are the ones that reported negatively on my credit report. When i saw it there, I XXXX  them to get the phone number. I called and asked what it was. When they told me it was the City, I informed them that i was still receiving invoices from the city and didn't understand why they were reporting me. The lady told me, " You did not pay your bill. You need to pay your bills. '' I told her i did not have an account with them and that I would communicate only with the City. She hung up on me. I called and asked fir the supervisor who was even more rude. He also said, " You need to pay your bills. '' I told him they were not authorized to put anything on my report as i was still receiving notices from the city. I told him they needed to remove it. He said they will not because I owe it. I again told him that I did not owe it to his company and would not pay them. He never told me they sent a letter to me. My first hearing of this was today from XXXX when i went to their office. 
The reason for my visit : After going to The City of XXXX today and paying the bill with the invoice THEY sent me, the clerk told me the bill was never in collections. 
I went to the XXXX XXXX at XXXX XXXX and told them and asked that they remove it. XXXX informed me that " They dont make this stuff up. They are not that good. '' I told her I know you're not that good because if you were your counterparts would have listened when i told them that something wasn't right. She told me they sent a letter which included instructions for disputing.i told her i never received a letter which is the reason i dont have an account number for them.My first aquaintance with them was their name on my credit report which i XXXX  and called them. She informed me that they always send letters. I told her someone didn't do their job because I never received it and the person on the phone never mentioned a letter or a process neither that i could get something from the city to them. 
She told me it would take a while to delete but i told her she could expedite it. She didnt like that. She said she knew why everyone had an attitude with me, she could see the problem was me. I explained to her that my current attitude was a result of the treatment i received from them and the fact that they had done damage to my creft score despite my attemts to speak to them or dispute through the XXXX. She decided since she did not HAVE to delete it she would report it paid. I told her you dont have the right to do anything because I owed it to the city, it was still current with them, and i paid them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have attach my proof of ID and address.

Company response to consumer: Closed with non-monetary relief