vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 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: NY

Complaint narrative:
This communication is in reference to the incorrect personal information reporting on my Experian account. As a result of the reported identity theft several incorrect names have been reported and accounts. Ive included this information in the attached documents and I would like you to removed the incorrect names and variations listed.

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 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pinned of XXXX XXXX account credit and paid settled in for as of me Ive been submitting the letter that I received from XXXX XXXX XXXX and I have a XXXX balance owed to them and its been considered paid him for since I have some at the letter I had to try to do a three-way call with experience any federal accountant and nothings been done Ive submitted over for different disputes

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 2020-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My savings account was opened on XX/XX/XXXX XXXX XXXX it was opened from a transfer of funds from my checking account. I opened it with XXXX dollars. On XX/XX/2020 XXXX was fraudently transfered back to my checking account. then XXXX was wired out of my checking account. IF I would have done this i could have wired it from the savings account and not go thru my checking account. USAA should have caught this scam. There should be an investagation int why USAA let this happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: CA

Complaint narrative:
I pinned of XXXX XXXX account credit and paid settled in for as of me Ive been submitting the letter that I received from XXXX XXXX XXXX and I have a XXXX balance owed to them and its been considered paid him for since I have some at the letter I had to try to do a three-way call with experience any federal accountant and nothings been done Ive submitted over for different disputes

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 2020-12-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I pinned of XXXX XXXX account credit and paid settled in for as of me Ive been submitting the letter that I received from XXXX XXXX XXXX and I have a XXXX balance owed to them and its been considered paid him for since I have some at the letter I had to try to do a three-way call with experience any federal accountant and nothings been done Ive submitted over for different disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This is my third complaint regarding XXXX XXXX/ PHH Mortgage. The complaint is two-fold : 1. ) In their previous responses to my complaints, they always mention that they never received the paperwork I need to send them in order to considered for a loan modification. I have always maintained that I have sent in said paperwork via USPS and by emailing the address that they include " for faster processing '' in the forms I've filled out on several occasions. 
I always wondered, '' if I'm sending it, why are they always saying they never received it? '' Recently, I decided to find out what might be going wrong by sending the paperwork via email with tracking. By tracking the email, I am able to see every time someone opens it, and I am also notified if the email is forwarded and shared with others. The results of my tracking experiment were very disappointing, but shed new light on the overall problem I've been having with my mortgage lender. Thanks to my email tracker, I am able to confirm that PHH MORTGAGE and XXXX XXXX  have not opened ANY of the emails I sent them. It is important to mention that I am not just sending them to some random email address I found listed online, but that I am sending them to the email address ( XXXX ) that they put on the first page of the forms I've filled out and sent to them no less than 4 times. 
This explains why they claim to have never received this paperwork that would get the process of getting a loan modification or whatever kind of help I might qualify for. 

2. ) The second part of this complaint is due to a confusing notice I received from my lender that said that they were notified that I had not been paying my tax bills that I know owed XXXX XXXX/ PHH MORTGAGE {$2000.00} that they paid for overdue taxes on my behalf in order to " protect our interest in your property. '' This is fairly straightforward, but the confusing part is when I log on to my the site I make my property tax payments on and look at my account, there is absolutely no record of any payment for {$2000.00} being made by my lender or anybody else. I now owe over {$3000.00}, so I don't know what my tax bill for {$2000.00} is claiming to have paid on my behalf and trying to collect money from me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Mortgage Company Mr. Cooper is making it difficult to extend the required COVID Mortgage Forbearance. When you call it steers you to the website to login. When I logged in it only gave me options such as Deed-in-Leu, Modification and full payment. When I attempted to find or select " extend forbearance '' it said I was not eligible. I have used 9 months of forbearance and since this is a quasi-government backed loan it should be eligible for 90 more days. When I was navigating the system to find the forbearance option it navigated me to a modification. I later received notice that I needed to make trial payments. All I wanted was the forbearance extension. I made several attempts to call and they were busy and I was again directed to the website. I was able to reach them on XX/XX/XXXX and they agreed to cancel the unwanted modification and told me the forbearance would extend to XX/XX/XXXX. 

I am concerned that Mr. Cooper is not following the intent of the relief package, and making it unreasonably difficult to get the extension. I am very concerned that they appear to be cramming customers into unwanted modifications, demanding full payment and taking property with deeds-in-leu buy directing them in the website without showing the forbearance option. I have very little trust in these mortgage servicers especially with the issues around the XXXX financial crisis. Please remind them to follow the intent of the relief and ensure there website is accurate and not misleading customers into unwanted programs. Please ensure I was granted the requested 90 day forbearance extension by Mr. Cooper. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted equifax to dispute two inaccurate accounts on my report in which they have failed to remove although Ive provided them with proper documentation that these companies both where reporting inaccurate information. I also have noticed 3 of my postive credit card accounts that are currently open and have been open for for over 3 months are not showing with equifax. I would like those accounts to show on my report and I have attached the other consumer reporting agencies reporting those accounts open activr with no lates ( See attachment for my XXXX XXXX XXXX Cc & TWO XXXX CC for XXXX ) The inaccurate accounts are wuth XXXX XXXX XXXX who reported the last payment date with EQUIFAX as XX/XX/XXXX which as you can see with the attachment they reported to XXXX  it was XX/XX/XXXX addionally they reported to equifax XX/XX/XXXX days late and as you can see with attachment that was also incorrectly reported as with XXXX  and XXXX I have absolutely NO LATE PAYMENTS reported. ( SEE ATTACHMENT ) XXXX  confirmed this account along with XXXX XXXX was reporting inaccurate information and deleted BOTH accounts. I would like equifax to do the same with both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I opened an account with Chime ( based in XXXX XXXX ) in early XXXX because the interest rate was higher than my other savings accounts. I then transferred funds ( {$100000.00} ) to that account from a different savings account. Chime accepted the transfer but then demanded I send them private, personal information before they would give me access to MY money! I explained in writing the situation but they still demanded private info. I called and they couldn't ( or wouldn't ) explain why they needed my private personal info and when I asked to be transferred to a manager or supervisor, they put me on hold for an absurd length of time and then the call disconnected. Since I will not share private information, I tried to have my other bank pull the funds back but Chime refused. Now I can't even access the account. I want my money back and no one from this joke of a company will explain what us going on here. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Previous complaint submitted. Company is requesting proof of report on credit. Ive attached the account that needs to be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2020, Chime bank placed a hold on my account and ended up closing the account that day citing section 9 of their service agreement. 

My account has XXXX $ i recieved from the New York State Department of Labor for my unemployment benefits i was eligible for after being affected by the Covid 19 pandemic. I was in communication for a couple of weeks until Chime just stopped answering my emails. 

I emailed them again to start a new chain of emails with their " support '' on XX/XX/2020 because they never responded to the original one. They responded promptly asking for documentation so that i may be able to access the funds they have been holding XXXX for over a month at that time. 

The documentation they asked for was primary form of government identification which i provided in form of my NY state Drivers License, images of the front and back, a secondary identification of which i asked for an approved list of documents. A bank statement was on the approved list of which i provided a copy of a pdf bank statement within a months date of the email. " Proof of the loads '' onto my chime account, which i provided a pdf copy of my payment history from unemployment NY state Department of Labor and an " explanation, '' which i explained i was an out of work XXXX XXXX US citizen that was eligible for Covid 19 pandemic relief. 

Once i provided all said documentation they just have refused to answer any of my emails. Any phone calls i have made in an attempt to speak with a service representative has failed. My phone number is obviously flagged because i recieve an automated message to email support, which never email back and any calls made from different numbers are asked to provide information for the account in question which leads to them telling me to email support again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I called the creditor who purchased the loan. Due to me being old and not being able to see well and not knowing exactly who they are I tried to make a 3-way call with my granddaughter. I was given a number to the attorney 's office that was given the file. They refused to talk with me because my granddaughter was on the line after I gave them authorization for them to be able to communicate with my granddaughter who was attempting to pay the debt off for me. They refused to transfer me over to a supervisor and refused to give me a fax number to send authorization in via fax. I'm a senior citizen with health issues and this has added alot of stress and this isn't good for me. This unresolved issue is adding for stress to me and I live alone. And I'm on fixed income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 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: PA

Complaint narrative:
I am being called by XXXX XXXX XXXX XXXX about a credit card debt on a credit card I never opened. The amount owed is XXXX. The card was opened XX/XX/2013. The card is owned by Capital One Bank ( USA ), N.A. I previously told a representative that I never opened this card and she said she would note this. I am know being harassed about these charges again. I currently have 2 Capital One credit cards that I have never had any issues with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX my wife tried to make an online purchase for a door for {$3100.00} and the purchase was declined as apparent fraud. We have perfect credit, no late payments and always pay our bill on time. My wife called the company " Capital One '' and answered every security question asked and was told she needed to provide a copy of her driver license via email, which she refused. Now the company has blocked all online access to the account including rewards points. Attempts to cancel card or report a lost card to cancel card are not supported online. Cardholders are required to call in. Wait times are over an hour and it is the only route to resolution. I called late at night and early in the morning and throughout the day with no lesser hold times. When I finally was able to call this morning and get thru they are still requiring a drivers license. I find this 1 ) unreasonable to ask for a driver license 2 ) totally bad business practice to have as the only solution to resolving a problem to hold for 1 hour on the phone. After searching online there are thousands of similar complaints from other customers. This practice is at a minimum unethical if not illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
To Whom It May Concern : I hope this email finds you in the best of health. My name is XXXX XXXX and the reason you are receiving this email is because of a dispute on how Santander Consumer USA is reporting a collection debt to XXXX, Acc # XXXX, {$16000.00}. 

This debt amount is inaccurate. The correct amount owed was {$2800.00}, Acc # XXXX which was settled and paid with Santander Consumer USA on XX/XX/2020. 

Santander Consumer USA already reported the correct amount with XXXX, but they are reporting it incorrectly with XXXX. 

As such, I would like this information to be reflected correctly and updated with XXXX and or removed from XXXX  because of the inaccurate reporting. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My complaint is against LOANCARE-A Servicelink Company. My first complaint involves their failure to refund an overpayment to my escrow balance in the amount of {$2200.00}. 
Legally, they are supposed to issue a refund check to me. I have been waiting for the refund since XX/XX/2020. 

My second complaint is their refusal to provide a payoff amount as I am refinancing my mortgage with another company. LOANCARE has refused to respond to requests from my new lender. When I called to make a payoff request the automatic voice system states that I will be on hold for as much as 30 minutes. Each time I call, I am on hold in excess of 15 minutes and then they end the call. I have also tried to get the payoff amount through their automatic system. It is rigged to say that my entries were in error, tells me to contact customer service and then abruptly ends the call. 

My closing date on the new loan has been postponed due to lack of response from LOANCARE.

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 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Nationstar Mortgage dba Mr. Cooper is claiming I owe lender paid expense balance of {$3600.00}. 

They can not provide a detailed listing of what the expense are for and I have disputed these charges multiple times. Are they violating Mortgage Servicer legal requirements by failing to provide requested information about the mortgage? 

I dispute the charges and they are referring me to a previous servicer. If Mr. Cooper is attempting to collect that debt they need to provide detailed information of the debt or remove this from the mortgage. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I spoke with XXXX ( employee IS XXXX ) in case number XXXX on XX/XX/XXXX. I deposited {$1000.00} in my account when I had {$640.00} positive. My balance was over {$1700.00} when I went to bed. Today I woke up with my balance {$350.00} positive after I had a few payments taken out and I realized the bank took {$140.00} in overdraft fees, when my account was not negative when I deposited the money. I was told that was due to the deposit being made after XXXX etc but my mobile app, the ATM nowhere it said I had a negative balance. Then they explained to me that debits are taken before any credits, so if I have payments posted the payments will be taken out of the account first, then ( even if I have balance in the account!!! ) they assess how much money I had before any deposits. Its a very predatory calculation to do because it leads customers to think they have money in their account, but not according to the way Fifth Third posts the translations. I was told they wouldnt be able to reverse the {$140.00} in fees and Im here to ask for the love of God to get this back. Ive been working part time since our restaurant is shutdown and doing carry outs only and even though this {$140.00} may not seem a lot but its literally our weekly grocery. I dont know what else to do, its a total desperation.

Company response to consumer: Closed with explanation