vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Account balance was approximately {$2100.00} as of XX/XX/2022. I made an online payment of {$500.00} on XX/XX/2022 to lower my account balance before the statement was generated on XX/XX/2022. The payment said it would post to the credit card on XX/XX/2022. The payment posted to my credit union checking account on XX/XX/2022. When I checked my statement it showed the {$2100.00} amount not reflecting the {$500.00} payment. I called Capital One and spoke with a representative and a supervisor. They told me they are having a system issue that is causing payments not to be reflective on statements. They dont know when this will be fixed. They said they are required to report accurately to the credit bureau, but they would not be doing so this month. They said I would have to call back after they fix their system and do an off cycle reporting. This seems like a violations of their legalities to customers and am I reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Finance, Thank you for providing a place to which I can write!! I have been in financial XXXX about the replacement of my home destroyed by fire in XXXX. I paid my payments correctly until XXXX and XXXX! I have always been ahead of my monthly payments until XXXX when I decided to hold it because they were not processing my claim fast enough. I have paid XXXX and XXXX now but am still hurt, sick and totally frustrated with their lack of moving quickly. With the replacement of a Modular Home the foundation is completed and we are waiting for water and electricity after the house is in place. The outdoor porch room also needs to be completed but they are holding that money until the is done. I have spend over {$10000.00} in renting a place to live and I do have receipts! They promised us before XXXX but as we called today XX/XX/XXXX, we now will not receive it for 2-3 days! I also will not receive the full amount to complete porch until we go thru all of this again! I am tired and sick of waiting! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But this has been an amazing waste of my time. I am trying to file an complaint against NewRea / Shellpoint for their handling of this matter. We have spoken to almost I think all the employees, they do not allow one person to work on a case. So we talk and say the same speech every time we call. Rude, expensive, and not caring employees do not care about an XXXX XXXX XXXX XXXX WAITING!! Please file this complaint against the Mortgage Co. 
XXXX 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 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: GA

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My Identity was stolen by a family member who was not a US citizen and is no longer in the US. He used my information during his visit and had my mail forward to another address. It lasted for 2 years ; I did not notice until my licenses never showed in the mail. 

I was never proactive when it came to my credit. I wasn't aware of how to monitor my credit like I am now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My identity was stolen. The thief 's gained access to my Experian account and changed the email so I have no access to my Experian account. I have been calling Experian for 3 days trying to get ahold of someone to talk to but everything is automated. The have no email address to contact. There is no way of me getting ahold of them, meaning there is no way for me to regain access to my account, meaning I cant freeze my account and stop the thief 's from trying to open more accounts in my name. This is insane for a company this large to offer no customer service.

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 2022-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Loan was paid of in XXXX, they called a year later saying we owed more. We made another payment in XX/XX/XXXX for what they said the remaining was. After that they said we would receive a refund of the overage because we didnt owe. I received a statement today showing a credit of {$7600.00} and a net due of - {$6600.00}. We have overpaid almost {$15000.00} to keep them from trashing our credit and to get them to release the title. Called again today and Wells Fargo said they would send to there payoff department again and needed at least 3 days to look at it.

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 2022-01-04 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: FC HoldCo LLC
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2021, I received a text message warning from XXXX XXXX stating that my card had been declined at XXXX and to type Y if this charge is correct and N if the charge was not authorized. I typed N and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at XXXX XXXX. The agent asked me to provide the credentials for my XXXX XXXX Zelle  account to prevent unauthorized Zelle transfers. Once the agent verified my information, they initiated 7 Zelle transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent Zelle transactions. The agent took {$3500.00} from my account. Simultaneously, my husband received the same text but was in a different city. He did not respond, but called XXXX XXXX, who denied any fraud occurring on the account. Apparently the thieves knew our names, phone numbers and bank. My husband texted me while I was speaking to the imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called XXXX XXXX and spoke to a representative that started a claim for me and attempted to transfer me to the Fraud department, however the wait time was over an hour. Although I was willing to wait, the representative said he was embarrassed of the wait time and advised me to call the fraud department early the next morning with the phone number he provided. I spoke to the fraud department on XX/XX/2021 and the representative deemed the transaction authorized since the Zelle transfer had been sent to a XXXX Bank account with my name on that account. I have no association with the XXXX bank account and do not have a Zelle account with XXXX Bank. The thief was able to link my name and cell phone number to their account. The XXXX website states Please note, you can only change your email address/U.S. mobile number to another email address/U.S. mobile number already on file with XXXX. Your checking account linked to your Zelle profile can only be changed to another eligible checking account linked to your XXXX or XXXX XXXX profile. I do not have a XXXX checking account. I contacted XXXX fraud department on XX/XX/2021 to report this fraudulent transaction. The thief robbed me through an unauthorized transaction using my name and mobile number fraudulently on an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a home equity loan back in 2017 that the bank showed we defaulted on and reported this to the IRS and issued a 1099 form accordingly ... ..We were never notified at the time and subsequently sold the property to whom the XXXX  was attached and the attorney handling the sale found the line of credit balance and paid the bank ( Suntrust ) the outstanding balance at the time of the sale ( {$27000.00} ) ... .we have the transfer of funds paperwork from the attorneys office as well as a letter from Suntrust saying the debt was satisfied, however we asked that a corrected 1099-c form be sent to the IRS as well as reporting the debt satisfied and accounts closed to the three credit bureaus and they refused to comply ... ..It has now developed into a huge problem with the IRS holding me and my wife liable for the XXXX which they perceive was the result of debt forgiveness ( 1099 ) they claimed back in 2017 ... ..All they have to do is submit a Corrected 1099-c form to the IRS and they have refused ... ..If the file transfer did not go thru... please alert us... we can send over all the files upon request

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 2022-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: TX

Complaint narrative:
In XXXX of XXXX, I changed bank accounts and I sent the information to Lendly before my XX/XX/XXXX payments were due. Lendly never completed the request. I called numerous times, before the due date of my first payment to address the issue and no one was able to assist me with the change until XX/XX/XXXX. I emailed the information over AGAIN on that date and the request still was not completed. Upon speaking to a Rep, the Rep stated that the payments were reversed and that they do not know why the XX/XX/XXXX payments were reversed and then wanted me to pay {$190.00} and my current payment that was due, all in one lump. But I did not feel that was fair, due to Lendly not updating the information when I sent my new bank account information in XXXX of XXXX. It was not my fault that the payments were reversed either, after the fact that the new bank account was entered in XXXX XXXXThe Lendly rep at the time stated to me on a RECORDED LINE that interest is not accrued on late payments, but I guess that was not true, because now I have made XXXX payments of my XXXX and they are stating that I have XXXX more payments, because of the mishap in XX/XX/XXXX. The interest is from XXXX till now and it keeps going up, even though Lendly has admitted that the mistake was on their behalf. I stated to them I should not have to pay late fees on a balance that was caused by them not completing their job of entering the updated bank information. It appears intentional, because the balance is caused by Lendly neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
My spouse and I have had a VA mortgage with Amerihome since XXXX. We were listed as Joint Tenants on the deed. In XXXX of XXXX, my spouse passed away. In XXXX of XXXX, I refinanced the loan with another mortgage lender to remove my deceased spouses name from the deed and the loan. I paid the loan in full in XXXX of XXXX. There was an overpayment in the amount of {$5400.00}. I have been trying to recoup that amount since XXXX of XXXX. They sent me the balance in my husbands name in XXXX and I called and requested it be sent in my name since he was deceased and I could not cash it. They said they would. They then sent me the same check again in my deceased husbands name. I again called and said I needed it in my name, I could not cash a check made out to my deceased husband. They said they needed to make me successor on interest on the loan to make the check payable to me. I asked if we could start that process and asked for the documents needed. They requested my spouses death certificate, my ID, and a letter from the court. I submitted my spouses death certificate, my drivers license, and a letter from his estate naming me as the administratix. Later, they sent me a check made out to The Estate of XXXX XXXX. I called again and stated that his estate had been closed in XXXX and I could not cash the check and said I needed it in my name. They said they needed to make me successor of interest. I said I had already spoken to them about that and done what they asked. They said they didnt have enough documentation and the letter from the court wasnt sufficient, although I verified with the court and a real estate attorney that the document I submitted was the correct document to add my as successor of interest. At this point, I have called them every month since XX/XX/XXXX, and it is now XXXX. Every time I call im either told, the check is coming, or they dont have what they need and I will be asked for something new that was never requested prior. In XXXX they requested the current deed to the home to show I am the owner. I sent them - the Affadavit - Death of Joint Tenant ( by surviving spouse ) and the current Grant of Deed showing me as the new owner. I called on XX/XX/XXXX and the man I spoke with said they had everything they needed and I would be added and the check sent out. I just received a letter in the mail today, XX/XX/XXXX, stating they need the old deed showing us as joint tenants. I called and they are saying they can not add me as successor without that deed, although that has never been asked of me until now, they had possession of that deed the entire time they were the lender for the property, and they have the affidavit documents showing that we were indeed joint tenants and the property was transferred to me. At this point, I dont know what to do. It genuinely seems as if they are TRYING not to return my money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called multiple times and sent in an ftc report to Transunion about the unauthorized inquiries and they told me I had to send in an ftc report which I already have done and its been well over 30 days and no one have reached back to me from the company they stated they started an investigation before the 30 days and Ive received a letter from one of the companys who stated inquiries on my report and theyve said they do not have any information on any active accounts with me nor did they have any history of me trying to obtain any credit or loans with them

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 2022-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I have an auto loan with CapitalOne Auto Finance. I have been paying more than the monthly payment to get the principle down faster so I can get the vehicle faster. Every month the principle amount is up a little and the interest amount is higher. I have called them serval time. I get told that the interest is done on a daily bases. Something seems wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
I had a lawn care service with XXXX XXXX, during the course of the servicing period my lawn was not properly maintain, I was paying for weeds. I called the company several times complaining about the weeds, they did try to correct the issue but the weed problem got a little better, but I was over all not satisfied with the services. I called in and spoke with 3 representatives the first one told me that she would take care of the issue and cancel my services. Then I had another representative call me back and tell me that the first representative was not able to make that call, she also went ahead and said that I was moving which was not true and I never stated that on the call. I did not know if they were getting me mixed up with another client, so I asked to speak with a manager and she did call me back and said that she is sorry for what happened but I would still be responsible for the service that I was told was cancelled. She offered to split the fee with me, but I felt as a customer why would I have to pay for a service that I cancelled and it was not working. I paid my bill the entire time I use there services I also have neighbors complaining of there services as well. I was disappointed with the supervisor as she said well if you don't want to Pay I will take further actions. I was a client that always paid and asked for my services to be cancelled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: AL

Complaint narrative:
On XX/XX/XXXX A Debt Validation Letter was sent. This is very harmful to my credit as I apply for my first home. On XX/XX/XXXX a letter was sent as of today XX/XX/XXXX this debt has not yet been proven to be owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. Please see attached document and ID as it contains my full complaint and requests.

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 2022-01-04 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a Chase checking account, mortgage account, and 2 credit card accounts. I had XXXX reward points. My account was hacked and the points were transferred out of my account. XXXX identified that as fraud and restored the points. Months later I wasn't using the card that had been hacked so I thought it best to close it. I called and did that. There was no mention of my points being at risk. When I logged back on a few weeks later my points had disappeared again. I contacted XXXX. They said it was because I closed the account. I asked to have the account and points restored they said they couldn't. I complained. Nothing happened. I called back and complained again. 2 weeks later I received a letter saying their decisiion was final- they will not restore the points. 
If this was a matter of a couple hundred dollars I would just accept the loss. But this is a cash equivalent of {$6700.00} dollars I have been counting on being able to use for a trip planned in XXXX. Had they told me when I closed the account I would lose the points I would NOT have closed it. I'm happy to have a card I don't use if it means holding on to {$6700.00}. Please help me get those points back.

Company response to consumer: Closed with explanation