vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
We went into forebearance on our mortgage, starting in XXXX, due to COVID-19 XXXX. We were approved for forbearance through XXXX, and I called our loan servicing company, Dovenmuehle Mortgage, in XXXX to find out what our repayment options are. They stated that there are 3 options and one of them is a loan modification, which could allow for an interest rate adjustment. The representative said said she would start the paperwork and evaluate our loan. She said she would keep us posted and we could call them if we have questions. Last week we received a " delinquent '' notification that we were past due on our XXXX payment with a late fee. Not only were we not updated on the status of our mortgage or the XXXX due date, but we were misinformed on our repayment options. I was told we would have the option for a rate adjustment. But the representative I spoke with today said they don't offer rate adjustments. The company did not communicate accurate information nor did they keep us posted on our current loan status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The Experian.com/upload site has given me error messages each time I have tried to upload supporting information on a credit dispute. The site only gives one other option to mail the information, It will not get there in time with the present mail problems. This is a big problem for anybody trying to resolve a dispute. There should be a way to email Experian with the problem I've encountered directly, but there is not. This has been an issue for a couple weeks now. It is as through they do not want the consumers supporting paperwork.You can attempt to upload something there, see how that goes for you. Experian needs to have a better way of submitting this, or they need to get their site working. I've recieved several error messages, saying I took to much time, that my PDF exceeded 15MB ( it was in the KB range ), that the system is down, and so on. different excuses on different days.

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 2020-09-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am being charged for the transaction of laptop which did not materialize XXXX {$1000.00} XXXX. Irony is I do not have the laptop also but still I am being charged for it. 

It seems the Citi bank is confused with the other transaction where the laptop was purchased but was returned back ( noisy fan ).

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 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I own the apartment at XXXX XXXX XXXX XXXX, XXXX, NV XXXX. There was a fire on XX/XX/20. XXXX XXXX issued a check for {$94000.00} to the lender Mr. Cooper ( Nationstar Mortgage. ) They released a check for {$40000.00} on XX/XX/20 and a check for {$27000.00} on XX/XX/20. The work was complete on XX/XX/20 and signed off by XXXX County. They will not release the final check for {$27000.00}. XXXX XXXX  showed up to inspect the property on XX/XX/20 They did not turn in the report to Mr Cooper until XX/XX/20. The reason they are giving me for not releasing the remainder of funds is that there is an exception on the account. The reason there is an exception on the account is because I called and asked for these three things in writing. 1 ) A copy of the legal document showing they have the authority to withhold the funds. 2 ) A letter of apology to the contractor for paying late. 3 ) A letter  explaining why they use XXXX XXXX. I also call the corporate office in XXXX three times. They said they would issue a check if I withdrew the three requests above, but it would still take another week. I guess that if I don't withdraw the requests they will not send the check XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a cheque of {$900.00} at Citi Bank through the mobile deposit. They then blocked my account after 3 days saying the cheque was fraudulent. I gave them the cheque issue 's name and number plus the address so that they can follow up. I called the issue of the cheque plus the issue 's bank and they said the cheque went through and that funds are available. Citibank said nonetheless they are closing the account after 60days and that funds will be mailed to my address. 60 days later nothing is forthcoming which elapsed on XXXX XX/XX/2020. We are now due by 26 days and Citibank has still not done anything despite persistent calls to them. 
I would like you to assist me recover my hard earned money from citibank

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 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've contacted EXperian previously about inaccurate and fraudulent information showing on my credit report. Experian is in deliberate violation of the Fair Credit Reporting Act. I have provided Experian with proof that they are reporting inaccurate information, but they chose to still report the inaccurate information.

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 2020-09-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
unauthorized inquiry

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 2020-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. This is a complaint about unfair business practices. 
I had two Capital One Credit Cards. I was paying monthly and my credit score was mid XXXX 's. The cards were stolen and used. I filed sheriff 's report and FTC Identity Theft reports. Payments were made by the thieves so card use could be continued, payments bounced, and the credit limit was exceeded. ( I yet to receive this information about the fraudulent payment method. ) I requested charges be removed but cards were charged off, balance reduced, and card debt was sold. The Capital One lady apologized and said there was nothing they could do. So now I have bad credit and law suits. I have been working on this for 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
unauthorized inquiry

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 2020-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
PayPal is trying to stick me with a bogus chargeback. I have provided them with more than sufficient documentation to stop the chargeback from the credit card issuer of the purchaser, to include an email from the purchaser saying " I know there are no refunds '' and evidence that the purchaser acknowledged terms and conditions of the purchase, not once, but THREE times. 

PayPal has clearly not tried to fight the chargeback themselves and would rather push it off on me. 

Unacceptable!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: HW Holding, Inc
State: MD

Complaint narrative:
I have sent repeated request to XXXX  to remove several inquires that was not authorize, they continued to keep denying my request to remove them under the Fair credit act. 

i submitted those same request to XXXX  and XXXX  and was successful. 

I am looking to purchase a home and can not due to these inquires.

In addition to send them 2 certified letters, i also disputed on line and was very taken back by their denial within 24 hours without investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Im in debt consolidation program. One of the credit card companies is Nordstrom. Nordstrom has contacted my siblings, concerning my debt. I have never provided Nordstrom with my familys information. They are using third-party tactics to find my relatives. Im afraid they will call my job next.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Malcolm S. Gerald and Associates, Inc.
State: IL

Complaint narrative:
XX/XX/2020 I received a letter from Malcolm S Gerald and associates based out of XXXX but they have an office in XXXX, IL. I called them spoke to the supervisor explained to him that due to COVID I was laid off and wasnt able to pay. The hospital I was in said I wouldnt have to pay for anything since they did help people who made less than a certain amount. Never heard from them until XX/XX/2020 received a text that I NEVER opted in for called back the guy was so rude spoke to me in a very unprofessional way made a comment about me being hospitalized and I hung up I dont owe them anything when the hospital said I didnt I want them to stop bothering me and no one should be going through this harassment from a so called collections company. Were in the middle of a pandemic people are laid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my account and did not give me a reason why. They closed the account on XX/XX/2020 and as of today, XX/XX/2020, I still don't have my funds from the account they closed. They keep saying the money has been sent and will take until XX/XX/2020 to get to me. This is completely unacceptable.

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 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX XXXX XXXX the caller claimed to be from " PRA ''. The re caller requested identifying personal information from me ( SSN #, DOB, etc ), I refused to provide the requested information. The caller said " I'll refer this to our lawyers as you are not cooperating '' and hung up. I searched for the number ( https : XXXX ) and found that it was PORTFOLIO RECOVERY ASSOCIATES. 

On XX/XX/XXXX I sent a letter via certified mail demanding information about the allesged debt as is my rights as defined by the Fair Debt Collections Practices Act ( attached Letter A ) & ( Attached USPS form ) which shows delivered on XX/XX/XXXX according to the USPS Website " Delivered XXXX, VA XXXX Your item was delivered at XXXX pm on XX/XX/XXXX in XXXX, VA XXXX. '' I have received no written communication from PORTFOLIO RECOVERY ASSOCIATES as of the filing of this complaint. 

On XX/XX/XXXX at XXXX XXXX, I received a call from XXXX XXXX XXXX, caller hung up. Called back as was connected to Portfolio Recovery and the call was taken by a " XXXX ''. XXXX ( declined to give further info ) asked for DOB, I declined. She asked for the information multiple times. I ended the call As per the Fair Debt Collections Practices Act, PORTFOLIO RECOVERY ASSOCIATES is violating several laws and needs to be held accountable. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM REPORTING INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been trying to get Walmart credit card through Capital One to help me with my interest on both of my accounts with them. My interest is very very high and my family and I have been devastated by COVID in more ways than you can imagine. I am making the payments and have never been late once I need someone from the Corporate office to contact me in regards to my interest rates, and I do not understand why Capital One is not willing to work with me as I am struggling. I do not want to ruin my credit and need someone to discuss my options. I have called about 7 times and no one will help me so I had no choice to make this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

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 2020-09-28 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: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
My VA home mortgage with PennyMac was placed in forbearance under Covid-19 relief back in XXXX. The forbearance was for 3 months, so I began paying the mortgage at the beginning of XXXX. At that point, PennyMac had informed me of a loan modification, which would require 3 months of trial mortgage payments. After making two of the 3 trial payments, I started looking to refinance another mortgage. However, on XX/XX/XXXX, my credit monitoring highlighted that PennyMac reported my account in default even though I was paying according to the trial. This has caused me to be unable to move forward with refinancing my existing mortgage to a lower rate. The undue stress caused by this process has yet to be resolved, as the credit reporting agencies still show my PennyMac account as being overdue/late and hence the impact to my credit score is significantly negative. 
I need this issue resolved quickly, as rates may go up by as much as .5 pt in the next week or so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM REPORTING INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-09-28 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: CA

Complaint narrative:
I AM REPORTING INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Aspire sent me a pre-approval promotion. I entered in the promotion code to see my offer, but after seeing the terms, I decided not to accept it. 

Aspire made an unauthorized hard inquiry on my credit report without my consent during the process. It did not make it clear that one would be made upon entering in the promotional code. I sent a letter asking for it to be removed, but they refused. 

I have attached a screenshot of the terms which I did not accept and thus, turned down the offer. Never during the process did Aspire make it clear a hard inquiry was going to be made if I entered in the promotional code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
an individual with my same name, social security number different by one digit and a year of birth way off than mine ( which I've also tried to dispute & nothing had happened ) This person has opened accounts at SYNCB/OLD NAVY with an unpaid balance of {$12.00} opened XX/XX/XXXX that has been charged off, I called old navy on XX/XX/XXXX but no one to help me, i then filed a dispute with the credit bureaus, one said the account is accurate and the other 2 bureaus dispute are still pending. Please I need your help I am trying to re-finance my current mortgage loan and this is affecting me from getting a much lower interest rate than what I currently have, Please help me, thank you

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