vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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:
XX/XX/XXXX I purchased four gold chains that were sold to me as solid 14kt gold for a total of {$6500.00} XX/XX/XXXX I contacted my credit card Capital One to inform them that the gold chains were not gold, that they were fake. Capital One credited my account {$6500.00} XX/XX/XXXX Capital One reversed the credit of {$6500.00} to the merchant. 
XX/XX/XXXX I submitted all my documents to Capital One. Documents included receipt from jewelry, pictures, my statement letter, and proof that the jewelry is fake. 
XX/XX/XXXX I also submitted per Capital One 's request a formal 2nd opinion letter from the Jewelry store that tested the four chains that proved that they are fake. Since this dispute was opened XX/XX/XXXX Capital One has done a horrible job at fighting my case. Every time I contacted Capital One regarding my case no one seemed like they knew what was happening. Capital One denied my dispute for a loss. There is more then enough evidence to support my case. I was scammed for {$6500.00} and Capital One did nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Since XX/XX/XXXX I have been disputing 1 account with an incorrect late payment reporting with the bureaus. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since XX/XX/XXXX I have been disputing 1 account with an incorrect late payment reporting with the bureaus. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
Some medical debt that I have no idea what it is. I havent went to hospital or seen a doctor in years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have found several names and addresses on my credit report that do not belong to me. I have recently filed an FTC. My full name is XXXX XXXX XXXX and all variations of my name ARE NOT MINE. 
I found out my ID was stolen and someone has been using my name to open accounts, utilities, and mobile accounts. 
The following accounts are fraudulent : 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 2021-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
Date of contract is XX/XX/21. On XX/XX/21, my wife and I applied for a mortgage loan ( Loan Depot # XXXX ), with broker XXXX XXXX of XXXX XXXXXXXX XXXX XXXXXXXX ( lender/mtg ID code XXXX ; NMLS/license ID XXXX ). Broker advised that we can not lock the interest rate after completing the application. However, I never heard of this from any other broker/lender/attorney. Broker charged my credit card for appraisal fee of {$650.00} on XX/XX/21. Appraisal ( appraiser XXXX XXXX State Certification # XXXX ) was conducted on XX/XX/21 and submitted to bank on XX/XX/21, almost a month later and after numerous calls/emails to broker to advise on reason for delay. No valid reason was given for the one month delay for appraisal. On XX/XX/21, broker advised I need to increase my loan amount to include payoff for vehicle, despite promising me that there will be no payoff conditions numerous times over the phone. In addition, broker stated he thought my loan application was conventional, and not FHA. Property falls in predominantly white area ( zip code XXXX ), and I am an XXXX XXXXXXXX. There is strong sentiment that the broker discriminated against me due to my XXXX background and XXXX XXXX, to block me from purchasing property in a predominantly XXXX neighborhood. I feel my rights were violated and his business practices adversely affected my ability to purchase the FHA-backed property. Please investigate fully and take appropriate action in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TX

Complaint narrative:
In XX/XX/XXXX, I requested for Experian to investigate inaccurate information related to the trade line XXXX ( Account Number : XXXX ) and to update or remove the account. Experian responded that they verified the account via report # XXXX. In XX/XX/XXXX, I asked for them to provide how they verified. I never info in regards to how they verified instead they verified the account again via report number : XXXX. I requested method verification again in XX/XX/XXXX, and they never provided the method of verification. I requested verification and never received verification just that they verified XXXX report number : XXXX ). 

In XXXX after back and forth with the original creditor, they provided a letter showing the tradeline is charged off. I was also told that the last payment was applied to XX/XX/XXXX and that the first date of delinquency was XX/XX/XXXX. However, Experian is reporting this tradeline as account status = " Repossesion '' and reporting a late payment each month.

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 2021-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I was applied for a Home Equity Credit line for my wife and I, Approximately Mid XX/XX/2020 on our Home, mostly at the behest of the bank. I had supplied all Records requested, W2 's for XXXX & XXXX Tax Statements etc. There was an RE Valuation done. With an extremely high Credit rating XXXX, Plenty of funds in banks accounts ( exceed the Home Credit line requested ) and no mortgage on the property, it seems there would be no problem.

However, The bank is demanding Tax records on a Mobile Home I am on the title for with My Daughter. This was a Mobile home, purchased for cash. Therefore, No mortgage. Also, banks do not consider Mobile Homes Mortgageable. 

I question the legality of requesting this information and also holding up the Request, as of today XX/XX/2020.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did a loan modification with my mortgage company XXXX XXXX XXXX XXXX XXXX. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did a loan modification with my mortgage company XXXX XXXX XXXX XXXX XXXX. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did a loan modification with my mortgage company XXXX XXXX XXXX XXXX XXXX. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.

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 2021-03-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello again, I am distressed to to bring to your attention the action that have taken place with Equifax. Their inaccurate and misleading credit reporting has negatively impacted my ability to obtain credit and live the common lifestyle i deserve. In addition i have presented multiple federal laws that are being violated in my case and stil havent gotten the decency i feel like i deserve, here are some -15 USC 1681 Accuracy & fairness of credit reporting -15 USC 1681 ( a ) ( 4 ) Invasion of consumer privacy -15 USC 6802 A financial institution may not disclose no public personal information to a non-affiliated third party -15 USC 1681 ( b ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it relates Please help me in this situation i feel like this is beyond my power and have an intent to litigate if the bureaus do not comply, thank you for having my back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Around XXXX 2020XXXX Synchrony Financial Bank 's " Customer Service '' department suspended my XXXX XXXX XXXX XXXX XXXX for reasons withheld while making purchase attempts on XXXX. My address had changed from XXXX to XXXX, so presumably I was triggering some kind of algorithm in their Security & Fraud area. My complaint follows its demonstrable commitment to treating me like a criminal for their incompetent Fraud activities, their Customer Service 's deference to that area, and their Executive area 's refusal to engage in a meaningful conversation about their internal practices. To clarify, the CS department XXXX online in chat with " XXXX XXXX '' or " XXXX XXXX '' XXXX repeatedly deferred elsewhere for support even when XXXX claimed management status. XXXX XXXX " Senior Specialist, Corporate Consumer Relations XXXX # XXXX on behalf of XXXX XXXX XXXX office discarded my voice messages and emails to XXXX about its deliberate indifference to my use of the card. It's one thing to refuse to service a card through gross negiligence, but to confirm my accusations against XXXX, today Account XXXX " XXXX '' literally verified their plan is to ignore my requests for support and " close '' the account due to inactivity they caused through false allegations about my card 's use. XXXX had gone out of his way to force me to identify myself as " its '' customer, then withdrew any support as XXXX customer in order to skirt the issues presented. To be clear, he added their management would NOT close my account as counter-requested to his conduct and this crystallizes a very questionable banking practice. They have in effect ruled me out as having any voice in their operation on grounds that they can insinuate me as not deserving of listening to on false grounds that they themselves created. XXXX did not deny, as " XXXX '' did, that staff in-accountability was at issue here. He simply reiterated what XXXX XXXX inaction had implied the entire time. It can do whatever it wants including ignoring a bona fide customer 's request to close account on grounds that it fabricated entirely.It perpetuates its insidious conduct through saddling customer with lies such as XXXX XXXX and deliberate indifference at the executive level.This goes way beyond my ability to control. I resent the fact that on its this platform, paid staff in concert together volley me about using false inferences to steal my credit balance and act like that's just the way the cookie crumbled instead of their own crookedness. We aren't responsible, that's on them. " We're so sorry, '' their script continues, and they serve up a well rehearsed poison, " I completely understand, '' as if their falsehoods can not be discovered outside of our chats/calls made.

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 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Initiated a XXXX  year fixed rate mortgage on XX/XX/XXXX with XXXX. The loan is serviced by Dovenmuehle Mortgage , Inc . In the Private Mortgage Insurance Disclosure, dated XX/XX/XXXX was an Automatic Termination of PMI dated XX/XX/XXXX. XXXX Mortgage continued to charge {$50.00} monthly for PMI beyond the automatic termination date. In a letter dated XX/XX/XXXXXXXX XXXX XXXX informed us that PMI would no longer be collected going forward. 57 monthly payments of XXXX were collected between the automatic termination date ( XX/XX/XXXX ) and the notice of PMI termination ( XX/XX/XXXX ), equaling {$2800.00}. A certified letter asking for a refund of this amount XXXX {$2800.00} XXXX was received by XXXX Mortgage on XX/XX/XXXX. No response has been sent to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: CA

Complaint narrative:
Since XX/XX/XXXX I have been disputing 1 account with an incorrect late payment reporting with the bureaus. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: NC

Complaint narrative:
in XXXX, I learned that a collections agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, had place in account in my name with XXXX or more of the credit bureaus. On XX/XX/XXXX, I sent an email for verification of the debt to the collection agency. 

I did not receive a response, I then subsequently sent a follow-up email on XX/XX/XXXX, XXXX and learned that the collection agency blocked me from further contacting them by email. 

I have sense been trying to call them, they informed me that the account was being handled by one of their subsidiaries, XXXX XXXX XXXX. I reached out to to this subsidiary in order to try and remove this debt. For the most part, the communications have not been put into writing. 

I informed them that in an effort remove this debt as quickly as possible, I was willing to offer a settlement. At first my offer was accepted and payment was made by check on XX/XX/XXXX. A week later on XXXX, XXXX, I received a phone call requested payment again. I informed the company that I will not be giving my payment information twice and disconnected the call. 

I contacted XXXX, to dispute the debt but nothing was done, and they unwilling to provide what verification they received to include the debt on my account. 

I am reaching out to file this complaint because I feel that this company, haven't not provided verification of the debt and requesting double payment, is making an effort to obtain payment that it is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
My mortgage was recently transferred from XXXX to LOANCARE. Since the transfer I have not been able to access my online account and calls to them just get discounted. 
They continue to route me to various departments and I am placed on hold and then the call gets disconnected. 
Also, I had requested information on a forbearance and was immediately placed into one despite only asking for information about the terms. I did not agree to be placed in forbearance.

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 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC
State: NJ

Complaint narrative:
My mortgage service companyXXXX XXXX XXXX XXXX XXXX, failed to pay property tax on time and charge interest rate penalty to my account. The tax amount of {$4000.00} was due on XX/XX/XXXX, which should be paid from my escrow account. I have contacted them through phone and online messages since XX/XX/XXXX about the missing payment, and they only paid the tax on XX/XX/XXXX. In addition, they charged {$72.00} interest penalty to my account, and they are trying to escape from it by saying that it is due to a special assessment. I feel this is inappropriate as it was the servicer 's fault that they missed tax payment and in addition their turn around was so slow that it took them a month to pay it, and in the end. This reveals that the servicer has a lot of operation errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There was multiple charges to my card between XXXX and XXXX totalling {$4300.00}. it appears that this company continued to charge my card {$300.00} at a time untill all my money was taken. I immediately disputed the transactions and about 10 days later got a email stating that my inquire in regards to the transactions show that there was not a error. Well this is rediculous as I did not authorize these transactions and I also supplied proof that this company has done the same thing to other people. I did not receive any good or services and did not present my card to be charged so I need my money refunded to me and furthermore I'm ready to get a lawyer to help me. I was also informed that serve card has been sued for this very reason in the past by not correctly resolving disputes. My money was stolen with out my authorization and it needs to be given back to me. Especially seeing I showed proof that this chumba has done this to others and are known for taking money with out authorization.

Company response to consumer: Closed with explanation