vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020, I called Capital One about an account that show charge off on my credit card report. I waited two hours to talk to a representative in the recovery collection department. I explained to the representative that I notice there was a balance and the account have been charged off. Ask if I paid the account in full, that the negative account hit be removed. The representative said no. I asked why there was no past due notice and/or collection notice sent to my address. The representative, name XXXX # ID XXXX stated all correspondences on the account were sent via email and on and on about why would we mail correspondences on the account if I chose email on my account as method of communication. The representative keep on about how is it Capital One 's fault if I did not received it since my method of communication is email. Before I could explain to the representative that my email was hacked and I have not been able to received any emails for quite a long time, the call got silent like the representative might have muted the call. I stay on the line to see if the representative would realize that the phone was on mute and he's not hearing me, the call got disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I have disputed this account with MONTEREY FINANCIAL SERVICES. They have been reporting the same account twice for almost 3 years! thats a violation of the FDCPA & FCRA. In previous statements they sent letter saying they would be removed from my credit reports. I even sent in the letters. Well this past week they were deleted and re-added back and dropped my core even further making it look like it was a brand new collection. also they are reporting me delinquent monthly and continued to charge me interest on an account that was a charge off/closed 3 years ago. They are trying to be sneaky and purposely holding my credit XXXX and wont let my credit improve. We are going through a pandemic and financial crisis with this COVID-19. I hope they know they are doing alot of illegal stuff! This is their last chance to remove this from my credit reports before I seek legal action. The reviews on the CFPB and XXXX  websites speaks to how awful and how they mistreated consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/XXXX, I opened a discover account ( XXXX ) with a XXXX dollar credit limit.I have used this card many times and payed it off many times.My last payment was on XX/XX/XXXX, paying off card.From XXXX, I havent used the card for any purchases and kept it for future use.On XX/XX/XXXX, I woke up with an email from Discover saying that my account was closed for : Inactivity on your account ( s ) Serious delinquency Proportion of loan balances to loan amounts is too high Also, it states in that email the key factors are : 1. serious Delinquency 2. Proportion of loan Balances to loan amount is to high 3. length of time 4. Too few accounts currently paid as agreed 5.Number of credit inquires on credit bureau I disagreed with all these key factors and why it was closed.I feel these key factors and why they closed the account is a lie.I believe its because of the current coronavirus pandemic and discover is closing many accounts.I have other credit cards with other companies, that i paid off on XX/XX/XXXX and they didnt close my account ( s ) .I know credit card companies can close accounts at anytime.Also, in my XXXX  credit report dated XX/XX/XXXX file number XXXX, my credit score is way over 700.In the discover email dated XX/XX/XXXX, it states my credit score is XXXX.That score is false discorver provided.I called discover on XX/XX/XXXX at XXXX and spoke with XXXXShe stated my credit card was closed because of Inactivity on account.I asked XXXX to reinstate my card and XXXX stated i will have to re-apply.I asked XXXX, if this account was closed because of the Pandemic and she would not responsd to that question.XXXX  also stated to contact XXXX  if i have any concerns about my credit report and discover email.I totally disagree with discover closing my account.I believe Discover treated me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The following accounts below was paid and closed. However it states that the account was 4 payment late. The account was never in delinquent. I contacted all three credit bureaus to correct the issue. All three informed me that the account was verified. All three credit bureaus was ask to provide verification, but failed to provide verification information. Im requesting that this account be deleted or updated on my credit report. 

Account Name DEPT OF ED/XXXX  Account number XXXX Loan Amount {$6000.00} Account Name DEPT OF EDXXXX  Account number XXXX Loan amount {$2600.00} Account Name DEPT OF ED/XXXX Account number XXXX Loan amount {$4000.00} Account Name DEPT OF ED/XXXX Account number XXXX Loan amount {$2200.00} Account Name DEPT OF ED/XXXX  Account number XXXX Loan amount {$3500.00} Account Name DEPT OF EDXXXX  Account number XXXX Loan amount {$3000.00}

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 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX monday, XXXX, 2020, i recieved a post cars from XXXX XXXX XXXX, stating No worries in renueing your membership with us we will just use the card we have on file to renew membership. I immediately tried callingthe locl XXXX XXXX to notify them that I did not sign any form giving them permossion to automatically deduct funds from my card. after not recieving an answer I went on looking for the corporate office number which was of no assistance. 
I spoke with a representative from Chase and was told to go on my Chase Mobile app  and file a compliant. I was unable to find the account services app on my mobile phone. 

I am XXXX years old and do not have overdraft protection because I chose not to. Chase overdrew my account to pay XXXX XXXX XXXX membership which i did not want. 
I've had two previous incidents with Chase regarding paying for services not authorized by me ; monies were refunded to my account once. 
On XX/XX/XXXX, I filed a compliant via email advising XXXX XXXX XXXX that I did not wish to renew my membership with them. I received a response saying the issue was being looked into and I would receive a response within 24 hours>

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
For many years i can not get credit report. The last time i tried was XX/XX/2020 i sent copy License and Social security number as per a phone call to equifax. Tried again today to check report still not available Equifax stated they did indeed receive documents and they want them again. Since i was not able to answer questions of accounts on my report correct. The accounts asked are not mine so I answer none of the above. I spoke to 3 people today very hard to understand

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Hi im a consumer at current bank an online banking app the night of XX/XX/2020 i have transfer XXXX to my sister XXXX XXXX  account because our dad just recently passed away XXXX XXXX  took my money out my account and XXXX XXXX cancelled my transfer but they said their were going to send back a refund to my bank so now XXXX XXXX sent out a refund to my bank but my bank is taking me through changes also because they said XXXX XXXX process a cancelled transfer and now it's going to take my bank 2 weeks for my money to be available i have business to handle with that money and these people don't care im going through a lot since my dad just passed away i really need you guys help because this bank keeps giving me the run around

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
With the Covid 19 I am struggling to make payments I reached out to my Mortgage company Bank of America on XX/XX/XXXX, I Spoke to XXXX I explained my situation and she said what they can offer is to defer the payments and add them to the back of my loan they can do this up to 3 months but will need to call in each month. I said no problem I would call again in XXXX. On XX/XX/XXXX I called Bank of America again because I hadn't received and letter regarding I was accepted on the deferment. I spoke to XXXX She pulled up my account and stated that it shows I called in on XX/XX/XXXX and I was accepted and they were not sending anything out but not to worry because everything was showing in my record. on XX/XX/XXXX I received my bill from Bank of America for my mortgage payment showing I was a month behind. I called Bank of America I spoke to XXXX ( XXXX ) XXXX who is with debt collection who informed me now they will do XXXX, XXXX XXXX and I will need to call and then they will discussed my option at that time, as to how to pay back the missing payments. I said I was already told they would ad to the back of my loan he made it seem that, wasn't rally one of my options. I would never of missed my XXXX payment, I asked why was I told that it would be added to the back of the loan his response was we really didn't have much info back then and he said he told people that also. This is misleading I has enough to make my XXXX payment but I do not know what I'm going to do moving forward, I have never missed a payment before this. I do not see how Bank of America and say one thing then change.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please find attached a response to a letter I sent to the Federal Trade Commission dated XX/XX/2020. I have over 20 complaints regarding Equifax Credit Reporting. I asked the Federal Trade Commission to please help with Equifax continues to report my name wrong. They continue to add a suffix " XXXX '' to my name and I have sent them copies of my driver 's license and social security card over 18 times and they continue to report me as a " XXXX ''. 

I have asked over 18 times via phone, online disputes to Equifax and CFPB with NO avail. I have also asked to have my consumer statement removed and again they refuse to remove it. 

Also, there are inquires that show on my credit report that are not mine and I have a fraud alert on all 3 of  my credit reports. Equifax told me and the CFPB that they were going to remove them and actually said they were deleted. They are still there. 

All I get is canned XXXX responses from Equifax, the CFPB and now the Federal Trade Commission kicked the can back to the CFPB. Does anyone give a XXXX about this? Does anyone hold anyone accountable? 

If the CFPB would review my account of complaints on their website they would see all the complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: OK

Complaint narrative:
My card hasnt yet come in the mail I think its because I recently moved and my name wasnt in the mailbox and Im not on the lease so I think they sent it back. But Ive been calling to try and see if I could get another one sent out but no one is answering and I stay on hold for about 3 hours or longer before hanging up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I needed to dispute a transaction of the amount of XXXX that was wrongly put on my account by a merchant on XX/XX/XXXX. I originally was working with the merchant but than after sometime they stopped replying to my emails and answering my phone calls. So I contacted Chase, my bank, and asked the amount could be disputed. They claimed everything would be fine and submitted my dispute. 

A week later, before my document which gave them permission to investigate this charge on my before even arrived the case was automatically closed. They never asked for any proof or any documentation from me. It was clear they never even reached out to the merchant. 

I spent literally from XXXX on hold, being bounced around from rude customer service specialists who would transfer to someone else just to get rid of me, only to have to be transferred back to that department and be on hold for another 50 minutes. Two of them hung on up me and recorded as a disconnection but it was clearly them hanging up on me. 

After all this it turns out the person incorrectly categorization my claim as a recurring monthly payment which I tried to cancel instead of merchant error. However, they refused to reopen it with the correct categorization. And I asked for a literally an entire day and they adamantly refused to help me with this issue that they themselves caused. 

Upon doing some research into this, it turns out Chase 's dispute department has a history of pulling this stuff. Do not bank there, I banked there for years and their customer service has been pleasant for the most part. But their dispute department are rude, and do not care about protecting your money and that's what is most important. I advise everyone to bank else where because you have no recourse if your the victim of a merchant error or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
I logged a complaint back in XXXX and the Lender claimed it was resolved so CFPB closed the complaint however it is not resolved. The Lender has been misapplying funds, changed my payment agreement without discussion, notification or authorization and I want it resolved. As stated in my previous complaint, I made a bi-weekly payment agreement with Ocwen and ever since PHH took over, there have been nothing but problems. I received a late notice in XXXX and you can clearly see by my attached bank transaction history I was paid ahead. Now they are showing I am delinquent and also have increased my monthly payment with no notification or reason why. My insurance and taxes have not increased. Actually, I recently qualified for a property tax exemption and they will be going down. I want the transaction records fixed, I want to know why my payment has increased and I want it all in writing so it can be read. The transaction history I received that I had to request from them 3 times and took 2 months to receive was such fine print I had to get a magnifying glass from a friend to read it and this is not an exaggeration. I would be happy to provide it as proof as well if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
We have a 30-year conventional mortgage with FreedomMortgage. Like many other Americans, we have been hit with higher expenses due to the COVID-19 crisis and are having difficulty meeting all of our financial commitments. We became aware of the 6-12 month forbearance program as part of the CARES act and contacted FreedomMortgage by telephone in early XXXX to inquire about this option. I was told by a representative at FreedomMortgage to complete a COVID-19 forbearance request form and email this to them, which we did on XX/XX/2020. I followed up with FreedomMortgage by telephone on XX/XX/2020 to confirm their receipt of our forbearance request and was told they had nothing on file. I was placed on hold for over an hour while the representative presumably researched our request. At that time, I needed to disconnect the call to return to work. To this date, we have received no confirmation of receipt of our request for forbearance, nor approval of the same and FreedomMortgage is sending us dunning notices with threats of late fees.

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 2020-04-21 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: ID

Complaint narrative:
I have 2 hard credit inquiries that showed up on my XXXX account that I dont recognize nor did I authorize. One is from Synchb/amazon and the other is from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I sold an item on XXXX  ( # XXXX ) on XX/XX/20 and the buyer paid for it on the same day. Purchase amount of {$XXXX} + {$XXXX} shipping + {$XXXX} tax = {$XXXX} total. 
My Paypal Account showed {$XXXX}. This is the net amount after deducting {$XXXX} tax ( that XXXX said they would pay directly ) and {$XXXX} Paypal fee ( 3 % ). 

Later the same day, a refund request was submitted. When initiating the refund request, I was told by XXXX and Paypal that I did not have enough funds to process the request. I was confused because I did not pull any money out of my account. I've contacted customer service reps for both companies. XXXX 's reps told me to contact Paypal. Paypal redirected me to XXXX. Neither provided me with a reason as to why the refund was being denied. It was very frustrating trying to sort this out. I had to do quite a bit of digging and research, and finally found out via an XXXX  community forum, that a few months ago, PayPal decided to change its policy regarding fees charged. 

When a refund transaction happens, they WILL NOT refund their fees of 3 %. This is the reason why my refund request didn't go through, because now I had to come up with the {$XXXX} Paypal fee to fully refund the buyer. This appears to be a very unethical practice by XXXX  and Paypal ( as they are under the same ownership ). 

I hope they change their policy regarding their fees. It would make it more fair for the buyers and the sellers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: FL

Complaint narrative:
I am writing this due to non-compliance with Trans Union. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. They have removed all past addresses, and aliases. These two accounts do not have an address or name attached to them. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX account # XXXX I strongly believe that they are in violation of the FCRA XXXX and are outright refusing to uphold the law.

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