vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN FINANCING CORPORATION
State: CO

Complaint narrative:
I called American Finance to do a refinance on my current loan. Everything is great until they flat out lie to you. I am not an expert so I trusted them. I was promised by XXXX XXXX XXXX XXXX XXXX | XXXX  XXXX in writing that I would skip two payments after refinancing. They didn't mention that if THEY process the paperwork after the XXXX of the month that it would only be XXXX month skipped payment. I sent all the paperwork as asked and was positive I would skip two payments This is the exact email : They'll fund the payoff to your current lenders accounts ( CHFA ) one business day after closing - and should be zeroed out. Keep an eye out for the escrow refund check in the mail about XXXX after. Those envelopes are not always labeled from the bank, but will be the amount of your current escrow held. 

You'll skip XXXX and XXXX payment - new loan will start in XXXX. If you did make XXXX payment will be refunded with the escrow.. 


I will be at my desk if any questions during the process. Welcome to call me if you need during -- and of course for any follow up questions on funding and new servicer. 

Thank you, XXXX XXXX this email I was also contacted on " a RECORDED LINE '' where this was specified that I would skip XXXX and XXXX Payments. Since I had made my XXXX payment I was expecting it to be refunded in escrow AS PER THEIR OWN WORDS!!!! 

After calling previous lender I was informed that I would not get that money back because American finance had filed after the XXXX. 

When I called to complain everything seemed cordial, they said you are right, we did say that let us try to make this right. After calling back a few days later they said it was passed on to management to see if the " could take a loss since they had said that to me ''. I was told I would be contacted in a few days. 10 days later I called them back and told me their was no malice and there is nothing they can do to get me my money. They where not even going to have the common courtesy of following up as promised if I had not called back. 

These people directly lied went back on their word and then would not even follow up If i had not reached out AGAIN. I feel completely swindled by these people. I Trusted them because I had my original loan through them guess that was my mistake. I would not recommend them to anybody, nothing they say can be believed even though its said on " a recorded line ''. 

TotaXXXX XXXX and not even the decency to give a client a call back Shameful

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX PA ) XXXX XXXX ( Original Creditor : OHIO XXXX XXXX XXXX ) XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX 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 non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I open a secured credit card with Capital One and put up the money as directed. I later found out about an fraudulent account in my name and contacted Capital One. They sent proof they closed the account and didnt hold me liable. A week later they closed my account and once the balance was paid never forwarded my security deposit. I spoke with a rep and she was unable to explain why Capital Once wouldnt send me my security deposit back and they locked any access I had to go through statements to verify what the rep was saying. This all seems a bit shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
Hi on XXXX i bought the XXXX the next day i try to return the phone but keep for XXXX  weeks after XXXX XXXXeek i return the phone Refund issued {$470.00} refund issued on XX/XX/XXXX, XXXX return {$120.00} to gift card and {$350.00} to my ceridet card XXXX XXXX **** XXXX Order Summary Item ( XXXX ) Subtotal : {$430.00} Shipping & Handling : {$0.00} Total before tax : {$430.00} Estimated tax to be collected : {$38.00} Gift Card Amount : - {$120.00} Grand Total : $ XXXX tax and seller information Refund Total {$470.00} now the credit co don't want to give me my # XXXX they said i didn't return the phone Refund issued {$470.00} refund issued on XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XX/XX/2021 XXXX  is reporting XXXX It is a violation to re-age a collection account of FCRA 605C and This account have a balance but this account was already closed and also in collection/charge-off??? There's no way you can update an account that I have no recollection of even belonging to me. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This XXXX  account has been erased from my report multiple times. And its just now back as of 30days ago. Please verify why this account is back after being removed 30 times.

Attached are my identity theft report, ID, SSN, and proof of residence.

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 2021-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
SYNOPSIS : By correspondence dated XX/XX/2021, LOANCARE  offered me a post-COVID-related loan forbearance Trial Period Plan ( TPP ) as a prelude to a permanent loan modification. This correspondence advised that I had the option of either accepting the offered TPP immediately, or that I had the right to appeal, and that this appeal must be received no later than XX/XX/2021. The letter further advised that I did not have to choose between accepting the first-offered TPP or any TPP offered post-appeal until 30 calendar days after the date of the appeal decision. I chose to appeal LOANCAREs decision not to offer a particular VA loan TPP, this appeal being timely received on XX/XX/2021. By correspondence dated XX/XX/2021, LOANCARE denied my appeal, as well advised that the amount of {$62000.00} was due immediately (! ). On XX/XX/2021, LOANCARE  timely received my acceptance of the first-offered TPP. By correspondence dated XX/XX/2021, LOANCARE did not acknowledge my acceptance of their offer. Rather, they returned the entirety of my correspondence of XX/XX/2021, as well as the {$9300.00} check I proffered in conformity with their first-offered TPP, on the basis that the payment represented less than half of the full amount due ( that is, less than {$31000.00} ). In summary, by refusing to acknowledge my properly-executed acceptance of their offer and the existence of our valid contract, LOANCARE is at a minimum liable for breach of contract, as well as likely violating the Real Estate Settlement Procedures Act, the Fair Credit Reporting Act, the Fair Debt Collections Practices Act, and California and federal prohibitions on unfair, abusive, or deceptive acts or practices. 
NOTE : See attached full recitation of facts and history. 


.

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 2021-12-17 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft SYNCB Account Number : XXXX This is not mine. 

9. XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

experian 1. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft SYNCB Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

transunion 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX. 
Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft SYNCB Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.

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 2021-12-17 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: DISCOVER BANK
State: WI

Complaint narrative:
On XXXX XXXX I entered into an agreement with XXXX XXXX to assist me with what they called a debt elimination program. I gave XXXX my Discover card number. 
I had second thoughts the same day and contacted XXXX stating I do not wish to continue with this service. I was told by XXXX XXXX on XX/XX/2021 that I could cancel at anytime. When I called XXXX on XX/XX/2021 and spoke with XXXX XXXX he told me it was out of his hands. My Discover card was charged {$3800.00}. I also called Discover on XX/XX/2021 explaining the situation asking them to not approve the charge because I was disputing the charge. Discover stated I can not dispute the charge until it posted. By that time it was too late. I called, sent an e-mail, faxed and sent a Notice of Cancellation by certified mail to XXXX dated XX/XX/2021. I had 5 business days to cancel. I have contacted XXXX multiple times getting the run around and have received no refund. I have also contacted Discover multiple times and sent them all the information that I sent to XXXX. My last contact with Discover and XXXX was today XX/XX/2021. Discover stated they need proof from XXXX that I am entitled a credit or refund. XXXX stated they will send an e-mail to XXXX at the XXXX, XXXX office regarding my cancellation which I have heard it all before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I the consumer XXXX XXXX XXXX never gave any written consent to furnish this account on my consumer reports which is a violation of, 15 U.S. Code 1681b 15 U.SXXXX Code 1681 Also no original signed documents have been furnished 15 U.S. Code 1692g The account mentioned is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX Acct # 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 2021-12-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX CREDIT ( Original Creditor : XXXX XXXX XXXX FORMERLY XXXX ) XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX BANK/XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2021-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XX/XX/2021 I applied for an Ace Cash Express loan, and immediately cancelled the loan when I saw the repayment agreement.. The cancellation was acknowledged by a company representative. I then applied for a payday loan, which I received. Apparently, it was still the original loan. Now I am being billed {$98.00} monthly for several months, for a $ XXXX.loan. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank blatantly lied in my XXXX most recent complaints. XXXX and XXXX. They claimed " Fraud '' when in fact they were disputes. I submitted substantial evidence proving services were not rendered. The company I disputed against provided zero evidence and didn't even reply to my claims. TD Bank found in favor of actual scammers and refused to even contact me. They had no problem locking my XXXX year old account though with zero information given to me. This is so disgusting and abhorrent. Easily the worst service I've ever received in my life and now they're continuing to threaten me with collections but refuse to return my calls related to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This XXXX account has been erased from my report multiple times. And its just now back as of 30days ago. Please verify why this account is back after being removed 30 times.

Attached are my identity theft report, ID, SSN, and proof of residence.

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 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
Someone opened up an account in my name and I didnt know. I never gave consent, when I pulled my credit report thats when I saw it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
This is not done in error and/or third party. I consumer ( XXXX XXXX XXXX ) recently review a copy of my credit report and I realize that as a consumer JPMCB Card Services is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They have communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. This debt is false and misleading which is another violation according to 15 USC 1692e. Another violation is that this company is violating 15 USC 1692f. I have attached my ID to help identify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
I previously submitted a complaint regarding an unrequested waiver ( complaint # XXXX ). The response was that " Due to processing delay, XX/XX/XXXX was approved for override provided the following criteria is met : XXXX ) You make the monthly payment of {$300.00} within one month of XX/XX/XXXX, when you spoke with a FedLoan Servicing representative who advised of the override details and XXXX ) Your employment for this period remains certified. '' I made the requested payment on XX/XX/XXXX, and they have still not implemented the override/updated count.

Company response to consumer: Closed with non-monetary relief