vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I believe I am a victim of mortgage fraud or predatory lending. 

I bought a home 13 years ago for {$280000.00}. Thirteen years later I owe {$300000.00}. XXXX. 

In 2007, I purchased the house that I currently reside in for {$280000.00}. Due to a divorce, my home went into foreclosure for less than a year. With all of the fees and what I believe to be fraudulent and predatory banking practices, I currently owe {$300000.00}. Please note that I have been paying my mortgage on time for the past 12 years. 

How is this possible? How is this legal? The mortgage servicer at the time of the modification was XXXX XXXX. It has since been transferred to Select Portfolio Servicing ( SPS ) I am certain that I am but one of many families of XXXX who is in this very same situation feeling trapped in a system that they can not fight. 

Any assistance you can provide would be tremendously appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX MA. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I have a PNC Virtual Wallet Checking Account, and I experience problems constantly when I try to Use XXXX XXXX to link to my PNC account from other external accounts I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Did not receive bill in mail assuming issues with COVID. Also got a new credit card linked with auto pay. I am unable to get a home loan due to the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2020 I was notified via text alert from USAA of suspicious activity on my credit card. I checked online to discover two fraudulent charges : the first for {$91.00} and another for {$2300.00} made right after for a total of {$2400.00}. I immediately called USAA to report the fraud and change the credit card number. During the call with the credit card department, I was assured that this issue was handled. An adjustment was issued for the full amount. 

On XX/XX/2020, the full amount of the fraudulent charges was once again charged back to the account by USAA. I submitted a signed statement saying the charges are fraudulent. A few lengthy calls revealed that the fraud department employee had determined the fraud charges were my own doing since I was in possession of the card. The credit card department claimed I didn't answer two calls from the fraud department and therefore I am responsible for the fraudulent charges. 

After being assured that the case was being reopened, I recieved a credit card statement for the account with a monthly payment due for the fraudulent charges. A call with the escalations team revealed that the fraud department had incorrectly determined the charges to be legitimate since fraud is committed with fake cards and other means. Concerned about the payment due amount being reported on my credit report, I was assured that the fraud department would call me within 5 business days to gather information. 

I have recieved no communications from USAA regarding my fraud case. Payment is due in 4 days and I am left on the hook for a scammer 's greed. USAA has a zero liability policy for fraud, but only if they can correctly assess the charges to be fraudulent. USAA needs to get these fake charges off of my account!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Called sunrise and asked them if I can handle my debt collection with them and they said they no longer have the account in their office.so i asked them to remove it from my XXXX credit report and they said they have no idea. I would like this removed please

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 2020-06-30 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CO

Complaint narrative:
Ive been working with Lexington law on and of for years. But this last time had been the worst ever! I pay like XXXX a month for several months this last time and they hadnt even disputed more than 2 items for the last month I was with them and they had a nerve to want me to pay like XXXX for the months when I canceled it. I even got a letter from one of the companies I disputed back saying I needed to put the account number on the letter cause they couldnt find anything. Also they couldnt pull my XXXX report for several months. So why should I have to pay the full amount when Im not getting all the services they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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 — Was not notified of investigation status or results
Company: DISCOVER BANK
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my 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 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
Our mortagage coupon payment book ran out in XX/XX/2020. We contacted the mortagage institution and requested a new payment booklet in XX/XX/2020. We did not receive a booklet but the institution has been sending us monthly mortagage statements since then with a payment coupon attached. We did not receive a mortagage statement for the month of XX/XX/2020 so we contacted the institution by phone on XX/XX/XXXX to inform them of nonreceipt and make a payment before the end of the month ( so it would not be past due ). The agent indicated that the mortagage statement was sent on XX/XX/XXXX which he considered in a timely manner. We explained that the XX/XX/XXXX date would not provide enough time for the statement to be received by us and then for us to submit a payment to be received by the mortagage institution before the end of the month. So we did not consider it timely. The Agent indicated he could recive a payment over the phone but we would be charged a fee. We explained that since the mortagage statement had not been sent to us in a timely manner and that we are current on our loan we therefore, should not be charged a fee for making a payment over the phone. We explained further that if a payment booklet had been sent to us as requested in XXXX the issue of timely receipt of the mortagage statement would not occur and our payments would be made to the mortagage institution timely. We again requested a payment booklet which the Agent indicated that there was no record of a request being made for a payment booklet in XXXX. 
We consider the mortgage institution 's practices unfair and they result in late loan payment submission that can have a negative impact which we can not avoid. We consider that the mortagage institution was unresponsive to our request when contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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:
In Previous complaints Filed with the CFPB Equifax, I placed complaints for both inaccurate invalidated information being reported to their bureau. Equifax alleges that they sent me a copy of the credit report but it's been 4 months and have not received anything in the mail at all. 

Their response was : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the reporting company was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit XXXX. Here you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and your myEquifax products. 

I have received nothing but the same automated response for request for more information. If Equifax fails to comply with sending a credit report or validating inaccurate items, I will be forced to take legal actions for misappropriation, lack of full disclosure and violations of the FCRA for every item listed where there is no contract and they choose to ignore which will be beyond the minimum of {$1000.00} per violation. 

Please encourage this company to DO THEIR JOB and send a copy of the credit report for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United We Collect, Inc.
State: GA

Complaint narrative:
I discovered a collection account on my credit for a medical debt. I reached out to the collection company because I was never informed of the debt and most importantly- I have medical insurance and so does my wife. That said, I don't know what the debt is for or why this company has choose to come after me and or place the account on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I have reached to this company via certified letter after I discovered they placed an account on my credit. Apparently the account is for a debt that I do not own. I have health insurance and so does my wife. The allege debt is for {$1500.00} which is absurd- they have the incorrect person and I was never informed about the debt before they placed it on my credit. They have also contacted my employer.

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 2020-06-30 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX, XXXX, XX/XX/XXXX - XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached to this company via certified letter after I discovered they placed an account on my credit. Apparently the account is for a debt that I do not own. I have health insurance and so does my wife. The allege debt is for {$1500.00} which is absurd- they have the incorrect person and I was never informed about the debt before they placed it on my credit. They have also contacted my employer.

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 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
In the month of XXXX, I called the creditor XXXX to request a proof of balance, a contract that would make me liable for the debt, and as well as a 1099 for the balance. This was asked to get validation of the debt they claimed I owed them. In regards to the information I requested, they were unable to provide with any documentation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: MO

Complaint narrative:
The information from National Credit Adjusters on my account is incorrect. They show an opening date of XX/XX/2020. I HAVE NEVER OPENED AN ACCOUNT WITH NATIONAL CREDIT ADJUSTERS, not opened one in 2020. Experian failed to do a through investigation and update the false information on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
In the month of XXXX, I called the creditor XXXX to request a proof of balance, a contract that would make me liable for the debt, and as well as a 1099 for the balance. This was asked to validate the debt they claimed I owed them. In regards to the information I requested, they were unable to provide with any documentation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
I submitted a written request for information on the website maintained by the servicer for my mortgage loan, Dovenmuehle Mortgage , Inc. ( " DM '' ), on XXXX, 2020, over 30 business days ago. That inquiry was a qualified written request. Consistently with their generally poor customer service, DM has not responded to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
On XX/XX/XXXX I had a lease with Ally financial on a XXXX XXXX XXXX XXXX XXXX that I traded into XXXX XXXX and obtained a new lease through XXXX XXXX for a XXXX XXXX XXXX XXXX Ally at first reported i owed a balance and was 30 days late to a XXXX lease payment which was incorrect and impossible since I didnt even own the car any longer. 

I disputed the account 3 times through experian and have open disputes with the two other bureaus since Ally reported my account with them closed, paid but still show I was 30 days late. I have NEVER paid my lease late, ever. Its impossible that I could have been late in XXXX since the vehicle was turned in on XX/XX/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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I accepted a pre-approval offer for the BB & T Bright card and was approved with an $ XXXX startling line. On XX/XX/XXXX I checked my XXXX XXXX  report and noted that a new account from BB & T was appearing. On XX/XX/XXXX I received an email that my new card was in the mail and would arrive soon. On XX/XX/XXXX the card arrived and I activated it using the automated system. I then attempted to set up online banking and received an error that the account was locked for too many login attempts. I immediately called BB & T 's customer service to fix this, and was told the account must be too new and hadn't been set up completely, and was transferred to card services. The rep questioned when the account was opened ( to which I responded that I had just received the card, the account is brand new ). I told her I was trying to set up online banking to manage my account and she rudely scoffed and said " ma'am, this account is closed. '' I asked what she meant since I had literally just opened it, and she said " it was closed by the risk department on XX/XX/XXXX, you'll receive a letter in the mail with details. '' While I am absolutely appalled by the fact that the bank would approve my PRE-APPROVED application only to immediately close the account, I can understand that underwriting has changed in this climate and on further review they may have decided I was too much risk. What I can not accept is that they have already started reporting the new account, which decreases my credit score due to the average age of accounts decreasing. It is not enough to simply close the account and report it as closed, they need to immediately remove the account from reporting, period, since it should apparently not have been opened in the first place. Additionally, as I would not have applied without the pre-approval, any inquiries that appear also need to be removed. 

I have reached out to BB & T via their CEO email line and received no response, hence the complaint.

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 2020-06-30 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: NY

Complaint narrative:
Today XX/XX/2020 is a new day ; and PayPal still refuses to give me my {$510.00}. PayPal has no Customer Service Representatives by telephone on duty. PayPal chat Representatives respond about once every 24 hours.

PayPal refuses to give me my money unless I buy a Cell Telephone and Cell Phone Plan. Now it appears PayPal is XXXX  me to give them my Social Security Card. They refuse to give me my money either way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I used Capital One 's VentureOne to transfer XXXX miles to XXXX XXXX XXXX on XX/XX/2020. The transfer should be instant but the website does say it might take up to 24 hours. 3 days later and the miles have not shown up in my Aeroplan account. I've called the customer service line multiple times but they do not understand and either can not or will not remedy the situation. As it stand, I am out XXXX miles currently.

Company response to consumer: Closed with explanation