vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is an ongoing continued complaint for a CLOSED Business due to the COVID 19 Shutdown that Capital One Continues to Ignore while still sending harrassing emails to pay the past due balance.

This is a Business Credit Card in which the business has been CLOSED DOWN due to the COVID 19 PANDEMIC. I have raised this issue with Capital One since the pandemic forced my company out of Business in 2020. Capital One has not assisted ( only reset payments for a few months ) which I preferred not to do. I preferred working out the situation. But Capital One continues to ignore that matter. The last letter I received not only did not answer my complaint but was jammed with " filler '' generic statements. The business is CLOSED. There is NO income. 

Does Capital One want to work it out or prefer to ruin my Credit due to a pandemic, then after 90-120 days of late payments offer a settlement? Is that the plan for a business customer with Capital One for more than 10 years?

This is a predatory act on the part of Capital One that needs to be resolved ASAP. Why was I even sent such a ridiculous response from the associate named " XXXX ''? It was poorly researched and did not attend to the matter at hand. 

This matter has also been referred to our XXXX FL District Congress woman, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, since it is clearly being handled without good faith and in a predatory manner as Capital continues to ruin my personal credit, post late fees and interest on a CLOSED COVID 19 Business. 

We also ask Capital One to please keep an orderly file off every complaint we have submitted to prove our responsibility and good faith in trying to rectify this situation while Capital One has acted in a shameful manner month to month from Day 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
I paid off my car back in XX/XX/2020 and was told i was going to receive my title two weeks after. I called several times including last week for the last time and they keep saying the lien hold was taken off but it wasn't. Ive gone to the dmv and XXXX a total of 8 times where i had to take off time of work many times. I have reached out through email, phone and the company always says the same thing. I dont know what to do i need my title

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I have tried to get a hold of an agent at my mortgage company, Amerihome Mortgage for the past two days, having made over 10 calls and waited on hold for over 3 hours collectively without being able to speak with one of their representatives.

All I needed to do is update my bank account on autopay because my old account is no longer active and my payments keep getting rejected. I called in XXXX to add the new account and remove the old bank account, which still hasn't been done. As a result, my last two payments have been late and I've been incurring late fees because the system won't stop drawing from my old bank account. I even tried to do this online through their website, and the system showed an error and directed me to call in instead, so the issue is still unresolved months later. 

Needless to say, I am absolutely furious about this experience. I've been doing all I can to be make my payments on time, even setting it up automatically, yet I am still having issues and getting assessed late fees due to no fault of my own. The fact it is so difficult to speak with someone to resolve the issue is baffling and something needs to be done about this company 's lack of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I have been working with XXXX  on this issue since XX/XX/2020. Back in XXXX I submitted a partial claim due to Covid, for roughly the amount of {$7000.00}. Shortly after though, I decided to actually do a loan modification instead of the partial claim. I have a statement that even shows that amount added to my principal and then paid off when I refinanced. Yet the lender is saying that I also did the partial claim, but you can clearly see on my payment history that they added the amount to my balance and I paid that in full when I refinanced my mortgage. They still filed the partial claim though and it's showing on title. I tried to get them to do a re-conveyance of the partial claim and now they're saying I did both the modification and the partial claim, which is entirely impossible. They literally show on my payment history that I didn't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
I applied for a refinance mortgage from NEW REZ, my current lender, on or before XX/XX/2021. The loan officer was XXXX XXXX. The loan rate was locked on XX/XX/XXXX. 
On XX/XX/2021 XXXX XXXX informed me by email that my loan ( Loan # : XXXX ) was conditionally approved and that a Loan Processor would be in touch with me. 
On XX/XX/XXXX Ms. XXXX XXXX contacted me to inquire about the nature of my marriage ( community property or not ) I responded, and have heard nothing since. 
I contacted my loan officer ( XXXX ) who indicated that he is not handling my loan but had to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I sent out documents to Equifax, XXXX, and XXXX. 
XXXX  and XXXX reached back out to me but Equifax has yet to respond and send in documents that I requesting referring the debt they have on my credit report and what steps were taken to prove it was me Accounts that raised concern were, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX If these accounts can not be referred baring proof it was me with signatures and how they went about referring the debt I request that these accounts be deleted from my credit report. Its been over 30 days with no response our updates to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I redisputed a Chase transaction for the amount of {$8400.00} to pay for University tuition. However I had paid through by other means on my Texas XXXX XXXX Tuition Plan. However the first dispute has been ruled as valid. I reopened the case to redispute the {$8400.00} charge on XX/XX/2021 and by XX/XX/2021 they had sent me a letter to my account stating that the dispute had been permanently resolved in my favor, and that I was going to be credited back the {$8400.00} that had been charged on the Chase credit card. However they are not sending me the credit back despite stating through written from that they have permanently resolved this dispute in my favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 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: FL

Complaint narrative:
I have a very terrible situation in my life. First time I have unknown inquiries in my credit report and I do not know what to do. My friend suggested me to write to you and ask for investigation. However he told me that it takes long time, but anyway I ask you to find out what happened exactly and how I become a victim of Identity theft. I do not know these inquiries and please if you can delete them because its XXXX to have something in your credit report that is not yours u know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: FL

Complaint narrative:
I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. An FTC report has been summited and is attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: LEXISNEXIS
State: FL

Complaint narrative:
I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. An FTC report has been summited and is attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: NY

Complaint narrative:
AMERICAN EXPRESS Inquiry : XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: NJ

Complaint narrative:
I've been disputing fraud bankruptcy on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The bankruptcy is not showing in dispute nor is it removed from my report. The bankruptcy always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud bankruptcy affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the bankruptcy to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: PA

Complaint narrative:
In XXXX of XXXX I refinanced my home with Homeside Financial, with the first mortgage payment of {$1400.00} coming due on XX/XX/XXXX. I sent a check to pay for this payment on XX/XX/XXXX with the expectation that the check would be processed in time. After not receiving confirmation of payment, I called Homeside Financial and they stated that they had not seen or processed the check yet. I created an online account with Homeside Financial and submitted an electronic payment for the XXXX mortgage payment on XX/XX/XXXX. On XX/XX/XXXX, I made my next electronic payment for the month of XXXX. 

On XX/XX/XXXX the original check that I had sent to Homeside Financial was cashed out of my checking account. Since I had already made my XXXX and XXXX payments, I expected that the check would be credited towards XXXX or applied as a direct principle payment. 

On XX/XX/XXXX I called Homeside Financial again to see why the amount had not been applied to my account and went through the process of verifying that the amount had not been already processed. When we confirmed that the check had not been applied, I spoke with a supervisor who instructed me to send an email to XXXX and XXXX so that they could research the issue. I sent an email the same day with a copy of the front and back of the check. The back of the check had their stamp stating " For Deposit Only Homeside Financial LLC ''. The account number that they stamp on the check was unreadable. 

On XX/XX/XXXX, I received an automated mailer acknowledging that the email had been received. 

I sent a follow up email on XX/XX/XXXX, since I hadn't received a response via email or any update. Later the same day I received another automated mailer with the same content as on XX/XX/XXXX. 

On XX/XX/XXXX I finally received an email back from Homeside Financial apologizing for the response time taking so long. I called the same day and was told that I should expect an answer by XX/XX/XXXX. 

On XX/XX/XXXX I called Homeside Financial as they had failed to provide an update. I was told over the phone that they were processing the payment to my account and that it would be applied by XX/XX/XXXX. 

On XX/XX/XXXX I received an email stating that the payment was still be reviewed by the corporate office. This was contrary to what I was told prior. I called Homeside Financial and was told that there was no payment processing to my account and that the issue was still being researched. I spoke to a supervisor and they stated that they'd reach out again to the research team but were unable to provide a date when I would hear back or any other information that would help recover my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX - XXXX  XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute online to have items removed from my credit report which are incorrect and they continue to appear. One particular item was confirmed as being deleted on XX/XX/2020 but is still appearing on my report. 

XXXX Acct # : XXXX deleted XX/XX/2020 per credit bureaus but is still appearing on my account. 

Incorrect name : XXXX XXXX Incorrect employers : XXXX XXXX umemployeed Unauthorized inquiries : XXXX XXXX XXXX XXXX No knowledge of account/ account not mine : XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX XXXX Acct 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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute online to have items removed from my credit report which are incorrect and they continue to appear. One particular item was confirmed as being deleted on XX/XX/2020 but is still appearing on my report. 

XXXX Acct # : XXXX deleted XX/XX/2020 per credit bureaus but is still appearing on my account. 

Incorrect name : XXXX XXXX XXXX employers : XXXX XXXX umemployeed Unauthorized inquiries : XXXX XXXX XXXX XXXX No knowledge of account/ account not mine : XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX XXXX Acct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX At Wells Fargo, I have had account since year XXXX. Wells Fargo is constantly making account " Dormant '' starting XXXX suddenly. I did not agree to such terms and conditions. They need activity and deposits account every month. I have verbally and in writing notified them that i do NOT agree and i never did agree to such terms when i opened account in year 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 2021-03-09 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I filed dispute a dispute in regards to excessive incorrect information that is being reported on my credit report. It has been well over 30 days and I have not received any investigation results nor any of the evidence/proof documents that I requested from the reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 I went to a dealership with an auto loan check from XXXX  XXXX. Once I got to the dealership they ran my credit when they were not give consent and I received multiple unauthorized inquiries for companies I never applied to. I called multiple times and always been told its nothing that they can do to help me out when I know thats incorrect. 

XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 TD AUTO FIN  XX/XX/2020 XXXX XXXX XX/XX/2020 I also have 2 XXXX XXXX XXXX inquires on my report and 2 XXXX XXXX inquires on my report so thats 6 total inquires on my report that should be removed I received double inquires for one credit card. Please contact the credit bureaus and have them removed the unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For close to 6 months, I have been trying to have approximately {$780.00} ( frozen by Bank of America ) returned to my CA EDD Card. The funds were frozen due to rampant fraud & scammers stealing EDD un-employment money from personal accounts, here in CA. Unfortunately, my card was one of the cards that was hacked. 

I reported the hacking to BofA and had a replacement card issued, but my funds were not returned to my Debit Card. I have repeatedly addressed this with BofA Customer Service Dept 's & Fraud Dept 's on many, many, phone calls and talked to many, many different people, over the course of approx. ( 6 ) months. I'm repeatedly told to wait another week, however, I am still waiting ....

I would be happy to provide any additional information you may need. Just let me know. 

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 monetary relief
Consumer complaint received 2021-03-09 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: CBC Companies, Inc.
State: UT

Complaint narrative:
My credit score was pulled by factual data without a signed credit app or my authorization. XX/XX/2020 and XX/XX/2020.

Company response to consumer: Closed with explanation