vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XX/XX/XXXX I have purchased a XXXX  XXXX banknote which was sold on XXXX by overseas located seller. 
In XX/XX/XXXX I have called Capital One and inquired about it guarantee policy and I was told that the all products are guaranteed for a period of 2 years. 
In XX/XX/XXXX I have the banknote graded and found out that the note although sold as original is counterfeit. I have communicated with the seller who admitted buying the fake banknote on auction in the XXXX with intention of selling it on as original. The documentation along with the communication with the seller was presented to Capital One as dispute which I opened in XX/XX/XXXX. Subsequently the Capital One assured me that they take consumer protection seriously and opened the dispute with the seller while granting the temporary {$80.00} credit. I was told that the bank will reach out to the seller to present their own version of events and confronted with the evidence provided to Capital One. However and without warning the bank after opening up the dispute in what appears to be a bad faith so it can analyze the legal liability for assisting sellers selling fake currency, closed the dispute without warning and took the credit back. When I inquired about this I was transferred to XXXX different people on XXXX call with the last person stating that the dispute was " out of the statue of limitations. '' 3 Questions : 1 ) why is the bank aiding and abetting illegal sales of counterfeit currencies which break US and international laws?

2 ) why is the bank opened the dispute in bad faith so it can gather info about its own liability instead of taking care of the customer?

3 ) why is the CFPB and other GOVT organizations allowing banks to break US legal statutes ( including provisions of the Patriot II Act ) that fight illegal transfers of money and counterfeit currency sales?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 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: DISCOVER BANK
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my mother XXXX XXXX XXXX passed away leaving me the home. My mother left me all the proper documents awarding me the home in the event of her passing, I XXXX XXXX am the XXXX of the XXXX XXXX, successor Trustee of the XXXX XXXX XXXX dated XX/XX/XXXX Then was granted title and ownership of the home located at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX I also posses all letter of administration as the successor to the property Including Affidavit- Death of Trustees Including Last will and Testament. 

Since my mothers passing I have been in touch with Fay Servicing to assume the loan thru a loan modification or repayment plan. Since then, Fay Servicing has had multiple foreclosure sale dates on the property regardless of my day in and day out of working with them to resolve this issue. I have submitted for a XXXX XXXX XXXX XXXX with Fay servicing at least XXXX to XXXX times and each time they deny the loan for different reasons. 

Most recent, we submitted for loan assistance on XXXX On XX/XX/XXXX we received a letter stating they had received our COMPLETE LOSS MITIGATION APPLICATION and my file was under review, On XX/XX/XXXX I spoke to Fay Servicing where they had advised the file was declined for assistance, no reason as to why was given they had advised us to wait for the letter in order to appeal the decision. 

The denial letter was never received as stated it was sent by Fay Servicing, I called XXXX XXXX XXXX Assigned Relationship XXXX with Fay Servicing ) she stated she would look into the matter and get back to us, XXXX XXXX XXXX did not provide us the reason for denial until today XX/XX/XXXX she also mentioned we only had 14 days to appeal the decision and with foreclosure being set for XX/XX/XXXX there is nothing they can and foreclosure will continue on this date. 

During the period of XX/XX/XXXX till date of XX/XX/XXXX we placed at least XXXX call to XXXX XXXX at XXXX XXXX ) XXXX and to her XXXX XXXX XXXX at XXXX XXXX never to receive a call back until we where passed our time frame to appeal the decision, I feel this was done purposely in order for Fay Servicing to foreclose on my home. 

I feel Fay Servicing purposely kept us in the dark and falsely declined my XXXX submissions for assistance in order to foreclose on my home, Also believe Fay servicing engaged in dual tracking while I was actively trying to seek mortgage assistance on my home. Case and point the foreclosure date of XX/XX/XXXX was active the entire time I was in review. 

I ask the CFPB to look into Dual Tracking and Illegal practices performed by Fay Servicing to foreclose on my home I intend to file suit against Fay Servicing. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: IL

Complaint narrative:
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXX CO XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This bank is giving me a hard time online to Open a checking account with them their system gives me error messages XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: U.S. BANCORP
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and US Bank and XXXX XXXX. The Account Opened is US Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I dont understand why Marcus  by Goldman Sachs bank USA doesnt offer us checking accounts only savings when they claim to be a bank its ridiculous they should add checking to their portfolio and offer more products

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX I paid {$4100.00} for a XXXX year gym membership and coaching program. In the last of XX/XX/XXXX the gym closed suddenly ( it was XXXX days notice that they wouldn't be open on XX/XX/XXXX ). The gym also stopped providing the online programming/coaching that went with this membership. They did not refund the 5 months of the XXXX year paid - this amount was {$1700.00}. 

That amount was disputed with AMEX, which I used for the purchase. They initially refunded the account. However, they later re-applied the charge stating the vendor had submitted documentation. 

The documentation submitted was sent to me - it was a month-month contract ( which was not our contract XXXX not signed by me. There was a signature on the document which clearly is not mine. The reason given by AMEX for re-applying the charge was that I " did not follow cancellation procedure ''. This reason does not make sense given the business closed and the owners immediately moved out of state. And, as mentioned, they also stopped providing the online coaching component of the membership. 

I notified AMEX that the document submitted was not signed by me and did not even match the type of membership I had with the vendor. They did not review the case again. As they started to charge me interest on the re-applied balance I paid the charge again today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXXXXXX XXXX  and Wells Fargo. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX XXXX  and Wells Fargo. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
After recently reviewing my credit report I notice several inconsistencies regarding the ( XXXX  XXXX XXXX XXXX ) in the ( DATE ) & ( PAYMENT STATUS ) section. All three Credit Bureau are reporting ( CURRENT Payment STATUS ) with payment inconsistencies .XXXX  is reporting late payment for the XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. Disputes resulted in the ( REMOVAL MISSED PAYMENTS ). TransUnion is reporting late payments for the XXXX XXXX  in XX/XX/XXXX with ( MULTIPLE LATE PAYMENTS ). XXXX  is reporting late payment for XXXX in XX/XX/XXXX, also with ( MULTIPLE LATE PAYMENTS ). After several disputes & reinvestigation, the inconsistencies of ( XXXX XXXX XXXX ) can not be accurate. All three credit bureau LATE PAYMENT, DATES & DISPUTE results can not be accurate. These accounts appear to be furnished by the same server so why is the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please delete this erroneous inaccuracy from my credit report immediately. 

Thank you. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: OH

Complaint narrative:
XXXX XXXX have been charging my debit card for 6 months without me knowing dont even have a XXXX account, i never used XXXX in my life i went to my bank to dispute, and advised i have never given XXXX permission to debit my account monthly, and please dispute these charges for me and they refused. i have emailed paypal prepaid card master and XXXX a copy of my identity report and yet they still feel to correct this matter and refund my monies back to me. 

XX/XX/XXXX XXXX XXXX XXXX/bill WA {$14.00} they have been charging my debit card every month with out me knowing this is how they responded or File a dispute InboxSentInboxSent XX/XX/XXXX XXXX Dispute Resolved - No Account Credit Claim Date : XX/XX/XXXX Claim Number : XXXX Claim Amount : {$42.00} This email is to inform you that we have made a final determination regarding your inquiry about transaction ( s ) on your account. 

Based on the results of our investigation and the fact you reported this dispute more than 60 calendar days after electronically accessing your account where the error first appeared, you are fully responsible for these transactions. No funds will be credited to your account as a result of this claim, and this matter is considered closed. 

If you have additional questions, please contact the Customer Service number printed on the back of your card during normal business hours. 

Sincerely, Dispute Resolution Department REPLY TO THIS MESSAGE..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I presented this credit card with capital one as soon as I found out that my credit card was being used by my health care workers who only had the personal permission to pay my cards and not used them. I lost my XXXX  and had to go under an XXXX  not knowing that I had 2 move XXXX  to go. it was not easy being XXXX after having my XXXX  all my life. Most companies had a hard time understanding because my bills were being paid. What I was told by the law the State Police all I had to do was to report the incident to the police and. and to submit the report to my credit card company. 

This card was disputed by XXXX XXXX  and taking off my report. I was told, when your company spoke to me I was confused and not being able the review the reports I went and starting paying the credit card on my own. I thought that you were sending me a new card instead you never sent the card but were sending a bill with a new card number .but the bill was never paid because I never use the card. every time my caregiver paid my bills it never questioned that I never had the card you told me that you were going to send a new card out. but when I didn't review the XXXX realize I asked XXXX and i was told that the card was deputed and taken off my credit report. so the payments are for the card that I never used and a card that I never received. I understand that you didn't know so many of these details but I hope that this clears up. I never used the card and was paying for a card I never received. I've still disputed this account whatever the old number that this card replaced the card was attached to. and was used without my permission during the time I had home caregivers was a card that I was attaching to. 
but the card was used without my permission. I believed that the dispute says identity theft. this carded used to be mine, after being reported stolen you charged the account and passed the balanced to the new card but never send the new card. I continued paying for an account that I didn't use the balance was not mine. 

a police report was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CT

Complaint narrative:
Because of an error on the side of FedLoan Processing, my consolidated federal student loan has been wrongly split into two different loans for the purposes of TEPSLF processing. One of my loans is qualifying for TEPSLF forgiveness but the part of my consolidated loan from an original Direct Unsubsidized loan is only showing 70/120 qualifying payments. This is ALL THE SAME CONSOLIDATED LOAN. It was discharged and paid together consistently. Multiple agents at My FedLoan have reviewed my case and admitted that it is an error on their part and that the CONSOLIDATED, SINGLE loan legally should have been treated as one loan. It was " submitted for review '' over a month ago and no one is able to give me an update or time frame for when they will resolve their own error. I have asked to be in contact with the office that reviews these cases and told that they can not disclose that information and that the office is simply " The Department of the Treasury. '' I have asked for an estimated or average time frame and been told that there is no possibility of doing that. I have asked where they are in the process and been told they do not know and can not give an update. I was told an agent was assigned to my case but when I received an email from that agent, their name was listed as " ( XXXX ) '' and their phone number was " ( P ) XXXX ''. 

it's unacceptable that a {$30000.00} error has no accountability whatsoever or urgency in fixing it, that the " agent '' assigned to me won't share their name, and there is no even estimated timeframe or ability to check on the status. They have admitted they are at fault but that does not seem to change the result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I am needing a lien release of a loan we had with GMAC from XX/XX/XXXX-XX/XX/XXXX. We originally got the loan through XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$130000.00}. The loan was service released within days to GMAC taking full ownership of the loan, while being serviced by HomeComings Financial LLC. While we were with GMAC/HomeComings, we got a modification with a principal reduction of {$48000.00}, giving us a new principal balance of {$87000.00} which GMAC processed the principal reduction internally then did a FHA refinance in the new amount of {$94000.00} ( included closing costs ) on XX/XX/XXXX. During this time GMAC did not process the lien release for the {$130000.00}, Deed of Trust recorded at XXXX County Recording No : Docket XXXX, Page XXXX. However, they did record a new Deed of Trust on XX/XX/XXXX at XXXX County Recording No : Docket XXXX page 2114. Once we refinanced again in XXXX, GMAC processed a lien release for the new modified loan in the amount of {$94000.00}. Since GMAC is out of business as of XXXX, I reached out to PHH Mortgage requesting a lien release, as Ocwen Loan Servicing, LLC parent company of PHH Mortgage took over/acquired GMAC. The response I received was that they have no records or did not acquire servicing rights for the subject loan as part of the aforementioned sale. Therefore, they are unable to assist. Which is why I am now filing a complaint and a request for a lien release from PHH Mortgage/Ocwen Loan Servicing, LLC. Due to the lien release not being recorded, I am unable to close on the sale of my property.

Company response to consumer: Closed with explanation