vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello I am writing in regards to PayPal and there terms on holds on my funds, and upon trying to contact them about such money they refuse to allow telephone contact do to covid 19 even though upon leaving a message online they ask for me to contact them by phone, and then when calling they say no is available to accept calls any longer. I had 72 sent to me for sense XXXX which they canceled the payment once so I had to wait and extra 21 days which made it a total of 62 days and then they suspended my accoubt after many emails back and forth receiving a different answer each time, I was informed that I could jow transfer my funds or I caN purchase online items with my PayPal they asked for identification I sent it they then suspended my account not b allowing me to do so stating they can now hold my money for 180 days and what gets me that is against my rights as the money is mine and they are withholding it with my credit cards and bank account in PayPal refusing to allow me to remove them and close my a count ASAP leaving my account to have security issues ... I be damned if this continues someone needs to do something with Paypal they are not paying interest and they are holding my money as if it is a CD or something please help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
Exeter finance is a money hungry organization ... they have no regards to others. Especially during this pandemic ... I have been having financial hardships lately with me about to deploy to XXXX in a few months. They recently charged me XXXX dollars for having a payment that was 2 days late. Others have also said that they were repossessed during the pandemic. This company needs to be shut down. And as a American XXXX member I am highly disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Despite my previous complaint and Penny Mac 's assurances that it would correct my property address, it has failed to do so. 

My property address has been XXXX XXXX XXXX # XXXX XXXX, MD XXXX since I purchased the home in 2007. 

When Penny Mac acquired the loan they recorded the address incorrectly. 

They refused to correct it on my old loan until I filed a complaint with the CFPB. 

Now, they refuse to correct it on the new loan. Despite multiple requests, CFPB staff refuse to record the correct address on the new, recently refinanced loan. 

The Penny Mac representative that handled the first CFPB complaint told me he would correct the address on the new loan beginning with XXXX. I have made multiple requests to the customer service team also. None have been acted upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: GA

Complaint narrative:
I HAVE BEEN TRYING TO GET UPDATED INFO ALL YEAR LONG ON THIS ONE ITEM ON ALL 3 CREDIT REPORTS IN WHICH THE ACCOUNT WAS PAID AN FULL BACK XXXX AN IT IS STILL REPORTING NEGATIVE THE ONE THAT SAYS 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 explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
As predicted, it has been 72-hours since the below commitment was made by Exeter and the principal balance of my loan HAS NOT BEEN adjusted. It still remains {$20000.00}!!! 

AND it says my next payment is due on XX/XX/XXXX when the next payment actually due is XX/XX/XXXX!! 

This company is a bunch of crooks! I am not going to be getting the AG office involved. Enough if enough! 

This is the XX/XX/XXXX response I got : Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Dear XXXX XXXX, On XX/XX/XXXX, Exeter Finance ( Exeter ) received notice regarding your complaint filed through the Consumer Financial Protection Bureau ( CFPB ). Exeter would like to thank you for the opportunity to address your concerns regarding your request to have the overpayment apply directly as a principal reduction. Exeter has thoroughly investigated your complaint, responded to the CFPB and made the following determination. On XX/XX/XXXX, Exeters records reflect that you inquired about making principal reduction payments. In response, Exeter advised that in order to have the full amount of the payment applied as a principal reduction, the account must be paid ahead three months. On XX/XX/XXXX, the account reflected as paid three months in advance. Due to a technical glitch, the funds were not applied according to the payment allocation schedule. XXXX has reviewed and confirmed that the account has advanced XXXX payments and currently there is a partial payment of {$520.00} that has had been applied towards the XX/XX/XXXX payment. In an effort to remediate the complaint, Exeter will manually reapply the partial payment of {$520.00} for XX/XX/XXXX, and apply it in full, as a principal reduction. Your next monthly payment will become due on XX/XX/XXXX. Any partial payment received between now and XX/XX/XXXX will continue to be applied as a principal reduction. As such, any partial payments received after XX/XX/XXXX will be applied as principal and interest payments until the XX/XX/XXXX payment has been completed. Once the XX/XX/XXXX payment has been completed, any additional monies received will be applied towards the principal reduction. If the account continues to be paid ahead by three payments, the principal reduction will continue. Please allow 48 to 72 hours for the system to update to reflect the adjustment. Exeter acknowledges that we failed to provide the best in class customer service and sincerely apologizes for the inconvenience this may have caused. Exeters success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. If you have any questions about these or any other concerns, Exeter encourages you to contact the Office of the President at XXXX. Sincerely, Office of the President Exeter Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I was contacted by Freedom mortgage several times to do a refinance on my existing home loan. I spoke to two different lenders. The first person I never called back becuase I did not feel that the savings was enough to justify the fees. The several person worked numbers and got to a number that seemed reasonable. I explained that I may not be staying in the home for more than 8 months. After the refi was done I received a check that I did not ask for. I called and they stated this was mine to keep. After I started paying my mortgage I am now told that my payment is increasing over {$100.00} due to an escrow shortage. I feel that I was intentionally mislead about the payment to book the loan and that the insurance was left out to increase the loan after the loan closed. The escrow should have increased {$19.00} per month not over {$100.00} due to a change in insurance premium from {$820.00} to {$1000.00}. I was not willing to close on the loan and pay the fees unless I had substantial savings and I feel that they were deceptive just to get the extra fees. I would have never refinanced the loan for such a small savings monthly. I advised I may not stay in this home several times.

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 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
A XXXX credit card was opened unknown by me. According to XXXX this issue was resolved and I was told I was not responsible for this debt back in 2018. This debt was sold to XXXX and XXXX debt collections. They are not trying to collect this debt and have threatened to sue me. When I ask for validation all they send me is a statement. There is no proof that I opened the account. Even XXXX CSR 's told me that the account was not opened in Virginia. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: GA

Complaint narrative:
I HAVE BEEN TRYING TO GET UPDATED INFO ALL YEAR LONG ON THIS ONE ITEM ON ALL 3 CREDIT REPORTS IN WHICH THE ACCOUNT WAS PAID AN FULL BACK XXXX AN IT IS STILL REPORTING NEGATIVE THE ONE THAT SAYS 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 explanation
Consumer complaint received 2020-11-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN TRYING TO GET UPDATED INFO ALL YEAR LONG ON THIS ONE ITEM ON ALL 3 CREDIT REPORTS IN WHICH THE ACCOUNT WAS PAID AN FULL BACK XXXX AN IT IS STILL REPORTING NEGATIVE THE ONE THAT SAYS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
A XXXX credit card was opened unknown by me. According to XXXX this issue was resolved and I was told I was not responsible for this debt back in 2018. This debt was sold to LVNC and XXXX debt collections. They are not trying to collect this debt and have threatened to sue me. When I ask for validation all they send me is a statement. There is no proof that I opened the account. Even XXXX CSR 's told me that the account was not opened in Virginia. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
The information is inaccurate and incorrect as it misleads consumers to believe that an account was created this year when it was not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Is with capital one., I only have 1 card & some one I don't know., because is not me take mother card with my credit, account and my information., I only have 1 capital one credit card., no 2., cards in the experience appears 2 card with capital one credit card., went I have only one capital one credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit Reporting Agencies are mandated by the FCRA but refuse to answer the question ; where is verbal permission allowed in the FCRA for companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC.
State: TX

Complaint narrative:
On XXXX XXXX I received a letter from Capstone Credit & Collections, LLC with the following statement : " As you are aware from our original letter, your account was placed with our office some time ago and remains seriously past due. As of this date, our client has agreed to settle the above referenced account for a lump sum payment of 75 % of the current balance if received within 30 days of the date of this letter. '' The problem, is that I never received any prior notification from this agency, or any information about the debt at all from the original creditor. 

After receiving the letter, I noticed a " derogatory '' account on my credit report - which of course had a significant negative impact. 

This debt was a surprise to me, and I feel the verbiage of the letter was intended to elicit panic and immediate action/payment on my part - and the fact that I never received any prior notification from them, seems deceptive and inappropriate. 

I am not sure of the timing of the debt, but from what I can tell, it is from earlier this year. I was employed prior to the pandemic, and assuming the debt was valid, could have investigated/resolved the issue before it suddenly appeared on my credit report. I have made an effort to repair my credit over the years ... and this surprise derogatory account on my credit ( with no prior warning - even from the original creditor! ) will certainly affect my financial recovery - and have a negative impact on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted to the CFPB claim XXXX. In this claim, I reported that Lending Club had proceeded to ACH debit my checking account despite rescinding authorization to do so. On that same call with Lending Club on XX/XX/XXXX, and on previous calls, I requested information regarding COVID relief for payment delay or changes. I was told by the associate and her supervisor that no such options were available through Lending Club. On XX/XX/XXXX, I called Lending Club again to request information on options for changing payment amounts or delaying payments. On this call, the associate said that yes, it was possible to change payment schedules and offered several different options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XX/XX/2020 we entered into an agreement with Freedom Mortgage to refinance our home utilizing an IRRL. From the onset, we discovered that the loan estimate was incorrect, as it included collection of property taxes, when we were not subject to property taxes, due to exemption for XXXX XXXX VA XXXX. We asked to have it fixed, it was never fixed. 
We were contacted over a period of weeks reference the errors, by underwriting and we provided all the necessary documents and presumed the issue was resolved. We were contacted in early XXXX to set a closing date, XXXX XX/XX/XXXX. At that time we expressed the need to have final disclosure documents. We were assured we would receive them, so we set a closing date, but did not receive final disclosure documents. 
The night before our scheduled closing we were contacted by the notary and we cancelled closing, based on the fact that we had not received final closing disclosure documents. I placed a call to Freedom Mortgage and was referred to an Escalation Specialist, XXXX XXXX who took our concerns and agreed to have the errors fixed. She asked for a week, and a week turned into months ; no action was taken. 
In late XX/XX/XXXX, XXXX XXXX, the loan originator reached out to us and said he had received news that we wished to withdraw our loan application. We expressed to him that we had not, and explained we were waiting on Freedom Mortgage to fix the errors we had described. 
On XXXX XX/XX/XXXX we received notification our loan was approved and that we should schedule closing. Therefore we called to schedule closing. We expressed to the agent that by law we should receive the final disclosure documents no later than 3 business days before closing. We were told by the agent, that it was not by law, it was by request and we needed to request those documents if we wanted them. We made an appointment for closing on XXXX XX/XX/XXXX. Later, we were transferred to XXXX XXXX and placed our request for the final disclosures. She assured us, that we should receive final disclosures by XXXX XX/XX/XXXX and she agreed to call us on XXXX XX/XX/XXXX to go over the disclosures. We did not receive disclosures or a call from Ms. XXXX. 
On XXXX XXXX we were contacted by the notary, to verify closing. We informed her, that we had not received final disclosures and that we would not be closing on XXXX XX/XX/XXXX, as scheduled. On XXXX XX/XX/XXXX, we sent an email to Freedom Mortgage withdrawing our application to refinance our home loan with their business.

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 2020-11-06 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: FL

Complaint narrative:
Ive contacted capital one several months ago to notify them that I was impacted by Covid -19. Capital one advised me they will document my account and waived my payment. I kept making payments and one month I did make a payment late. When I spoke to the representative to advised them of my financial situation, I do not recall that I was advised to call each month to get assistance. I was under the impression that I can make my payment late and will not be impacted negatively.

My account was reported 30 months past .All my other creditors accommodated me and never reported me negatively. Im grateful I was able to get back my full 40 hours and Im Current. Im in the process of getting my mortgage modified / refinance and just found out this negative past 30 days will forfeit me getting my mortgage where my family and I can stay in the home with a reduce mortgage amount. 
Ive contacted capital one for assistance to help remove the 30 day late on my credit report and was advised to dispute this with credit agency. I was also advised there is nothing they can do and to reach out to executives disputes department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I was a victim of a crime and submitted a few times the letter from the district attorney and restitution order from the court. BMW has charged off these amounts and closed these accounts. I got an alert from XXXX that there was changes to my credit report. They were contacted by me in response to a letter I just got where by I had asked for the 1099-C 's for both the accounts and was told I would get them if they could not collect. It is almost two years and no they a n't collect and are aware of it. They need to send the 1099-C 's and XXXX out the accounts. Instead of doing this they are now reporting late payments well after these accounts were closed well over a year ago and should not be reported as currently late, As a charge off they get paid from insurance and of course, the cars were either resold or re-leased. I will attach the two letters saying I would get a 1099-C and yet they are not responding to this request so that they can keep a past due balance on the account and now are even reporting late payments ona closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
New loan closed in XXXX with 3 errors posting in my account. After communication and complaint filed with cfpb, CrossCountry Mortgage corrected 2 errors and 1 remained unfixed. Upon reviewing investigation letter from CrossCountry Mortgage Servicing, I sent out a new notice of error on XX/XX/XXXX. Prepaid interest paid at the closing, in the amount of {$130.00} USD was entered into CrossCountry Mortgage system ; however, this amount was NOT included in monthly statements since XXXX. I later received 2 letters from CrossCountry Mortgage Servicing, stating a response will be provided to me by XX/XX/XXXX. Yet as of today XX/XX/XXXX, no letters were received. Enclosed here are letters of correspondence, most recent statement, general loan information, loan activity, and CD to show the discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have an account that does not belong to me from XXXX XXXX. I have tried to dispute and settle this even though it does not belong to me. They have sent me a letter ( XXXX XXXX ) telling me to prove to them that it is not mine or they will sue. This account should have fallen off of my account in XXXX of this year. Under Alabama law it can not stay on my credit over 6 years. They failed to that and now they are refusing to accept my disputes. This account is not mine in the first place but I was also willing to let it go if they removed it since my 6 years were up. {$680.00}

Company response to consumer: Closed with explanation