vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-20 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: NY

Complaint narrative:
On XX/XX/XXXX, I got a new personal credit card with a new account number from Capital One, because of a fraudulent transaction in that occurred in XX/XX/XXXX. At the same time I was cancelling my automatic monthly prepaid advertising services with XXXX, that would be paid on the XXXX of each month, but, because I got a new card with a new account number from Capital One, and because my XXXX XXXX monthly charge of {$390.00} kept on getting declined by Capital One, I figured I did n't have to do anything more. However, on XX/XX/XXXX, and then again on XX/XX/XXXX, two new {$390.00} charges were taken out from my new credit card account. I never authorized Capital One or XXXX to process any new charges on my new credit card account, and I was not told that this was possible to occur by either of them. I protested the charges, But Capital One declined my protest telling me that just because I got a different credit card number that certain vendors can still add new charges on my new account number even if they do n't know my new credit card number. This appears to be just as fraudulent as the unknown fraudulent charge that occurred on my card in XX/XX/XXXX! Please advise, and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE LENDERS OF AMERICA
State: NC

Complaint narrative:
I was to close on my home on XXXX XXXX, XXXX. This did not happen because of my lender ( Mortgage Lenders of America ) lied about getting an appraisal done in which is paid {$480.00} on XXXX for this to be completed. Then When it was done, the closing was change to today XXXX XXXX. I received a call that friday ( XXXX XXXX ) stating that they needed the 2 page to my bank statement, which was a blank page. I sent the info to them that very day. They put me back in underwriting. My mortgage lender/broker, stated that the underwriter has no rush file because they only do 1 file per day. I have been without a home and they said i could close on XXXX XXXX. I just got a call today and stated that we are unable to close because i am 5th in queue. They are not sure I will even close on Wednesday. I have XXXX children. Mind you I paid my closing cost already {$10000.00}. I still have n't received anything.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: CO

Complaint narrative:
REFERENCE : CFPB # XXXX I initiated this dispute on XX/XX/XXXX regarding the continuous delays in updating my credit file based on information sent from the consumer and the company. Equifax responded to the referenced CFPB complaint accordingly on XX/XX/XXXX : COMPANY 'S INTERIM RESPONSE *Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax reviewed the consumer 's credit file for previous dispute history/contact regarding the item ( s ) listed in the complaint but no recent dispute history/contact was identified. *Equifax will mail the results of the reinvestigation within 30 days. 

THIS INFORMATION IS INCORRECT. Equifax has executed up to 3 disputes/reinvestigations regarding XXXX XXXX XXXX ( Account # : XXXX # XXXX ) in the last 30 days and they STILL HAVE NOT CORRECTED THIS INFORMATION. To report that there are no recent dispute history is a flat out falsehood and is bordering on fraudulent business practices to report otherwise. I confirmed today that the reinvestigation 'is still open ' according to latest rep that I 've spoken to this month. 

CFPB needs to take more steps to confirm what I already know and have reported versus simply logging their response. Require that they send a copy of my most recent credit file which will indicate that they have still not updated this account. The issue is the lack of timeliness yet you feel that 60 days for resolution is acceptable. The law indicates that CRA 's have no more than 15 days to resolve a dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. I INITIATED THIS REQUEST FOR A CRA UPDATE ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I applied for XXXX XXXX credit card. XXXX XXXX sent me a paper with my interest rate based on my credit score. It used TransUnion credit score of XXXX in FICO Credit Score range. XXXX XXXX explained that it is a good credit score ( not excellent ) and therefore I will get a middle interest rate ( 18.99 % rather than 13.99 % ). I have been monitoring my credit score with Transunion and it was 807 ( on XX/XX/XXXX ) using XXXX XXXX which corresponds to an excellent score. I also have an excellent credit score from other two major credit bureaus.On XX/XX/XXXX I signed up with transunion credit monitoring plan to check my actual score on XX/XX/XXXX using historical data but was unable to find it. On XX/XX/XXXX I contacted Transunion through phone ( no other options are available ). I was told that they only have access to my today 's credit score and they can not give me any information about capital one inquiry. To summarize I want request Transunion to release my credit score ( that was reported to XXXX XXXX on XX/XX/XXXX ) to me. In case if there is mistake occurred in my score i want Transunion to report my updated score to the 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 2017-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Quicken loans went up on my mortgage payment from {$680.00} to {$860.00} due to taxes and insurance escrow account. Is n't there a certain percentage that they can do this. This seems very unfair. This is a {$170.00} increase. I was already struggling to pay the XXXX due to income loss. I feel like they should have made increases amounts over a certain period of time. I am not happy to get an increase after refinancing with them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: TX

Complaint narrative:
I Recicved a credit alert From all three major credit bureaus last week on the XX/XX/XXXX about XXXX dollar loan was open in my name and I lost 15 points off my credit score and I contacted all the 3 credit bureaus and told them I did n't open this account and my wallet was stolen few months ago and I would like this credit loan removed off my credit report and they have n't done nothing and never heard back from them and I do n't do business with this bank nor I used this debit card or the loan and I was living T ANOTHER ADDRESS AT THE TIME THIS LOAN WAS OPEN BACK IN XX/XX/XXXX AND I HAVE NO IDEA WHO IS DOING THIS AND I MADE A POLICE REPORT ON THIS AND IM UPSET RIGHT NOW

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 2017-11-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I Recicved a credit alert From all three major credit bureaus last week on the XX/XX/XXXX about XXXX dollar loan was open in my name and I lost 15 points off my credit score and I contacted all the 3 credit bureaus and told them I did n't open this account and my wallet was stolen few months ago and I would like this credit loan removed off my credit report and they have n't done nothing and never heard back from them and I do n't do business with this bank nor I used this debit card or the loan and I was living T ANOTHER ADDRESS AT THE TIME THIS LOAN WAS OPEN BACK IN XX/XX/XXXX AND I HAVE NO IDEA WHO IS DOING THIS AND I MADE A POLICE REPORT ON THIS AND IM UPSET RIGHT NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: TX

Complaint narrative:
I Recicved a credit alert From all three major credit bureaus last week on the XX/XX/XXXX about XXXX dollar loan was open in my name and I lost 15 points off my credit score and I contacted all the 3 credit bureaus and told them I did n't open this account and my wallet was stolen few months ago and I would like this credit loan removed off my credit report and they have n't done nothing and never heard back from them and I do n't do business with this bank nor I used this debit card or the loan and I was living T ANOTHER ADDRESS AT THE TIME THIS LOAN WAS OPEN BACK IN XX/XX/XXXX AND I HAVE NO IDEA WHO IS DOING THIS AND I MADE A POLICE REPORT ON THIS AND IM UPSET RIGHT NOW

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 2017-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I received a trial modification agreement where the taxes and hazard insurance for escrow is incorrect. The correct amount for the annual hazard insurance, the monthly escrow is {$100.00} and the annual property tax, the monthly escrow is {$180.00}. I asked Penny Mac to correct the monthly escrow amount to reflect the correct amount which will lower my monthly mortgage payment. They want me to sign the modification documents on an agreement that is not correct and if I sign that is agreeing to an incorrect escrow payment. 


Hazard Insurance annual premium {$1200.00} divided by 12 equals {$100.00} XXXX XXXX XXXX County Trustee {$2200.00} divided by 12 equals {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When I applied for the Capital One Quick Silver card, it was being advertised by Capital one as a card with " no annual fee ''. However, I am charged an annual " Membership Fee '' once a year. When this fee was initially charged for the first time in XX/XX/XXXX, I was able to get this {$39.00} membership fee waived without a problem. The representatives I communicated with on that particular occasion was very helpful and apologetic for the inconvenience. Furthermore, on XX/XX/XXXX, I was charged another {$39.00} annual membership fee. I called in on XX/XX/XXXX to dispute this charge once again. However, this time around, the representatives I spoke to were not helpful and informed me that they will not be able to help out this time around by waiving the annual fee. I do not know why I am being charged an annual membership fee in the first place when the Quick Silver card was being advertised as a card with no annual fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
50 days ago, I sent a letter to Equifax asking them to investigate and correct errors on my credit report. So far, they have not responded, and they are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for Capital one credit card. Capital one sent me a paper with my interest rate based on my credit score. It used XXXX credit score of XXXX in FICO Credit Score range. Capital one explained that it is a good credit score ( not excellent ) and therefore I will get a middle interest rate ( 18.99 % rather than 13.99 % ). I have been monitoring my credit score with XXXX and it was XXXX ( on XX/XX/XXXX ) using XXXX XXXX which corresponds to an excellent score. I also have an excellent credit score from other two major credit bureaus.On XX/XX/XXXX I signed up with XXXX  credit monitoring plan to check my actual score on XX/XX/XXXX using historical data but was unable to find it. On XX/XX/XXXX I contacted XXXX  through phone ( no other options are available ). I was told that they only have access to my today 's credit score and  they can not give me any information about capital one inquiry. To summarize I want request XXXX to release my credit score ( that was reported to Capital one on XX/XX/XXXX ) to me. In case if there is mistake occurred in my score i want XXXX to report my updated score to the Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Reliant Capital Solutions, LLC
State: PA

Complaint narrative:
Received two calls from Reliant Capital Solutions - I called today XX/XX/17 to see what this issue was about. My name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX. When I called the " gentleman '' back at XXXX XXXX he told me it was an old debit from XXXX University . Told him I believe the amount they have is incorrect and as soon as he submits a debit letter to me I will review it and get back to him in writing on how to resolve this problem. He immediately started with tactics about where I work and threatened my assets - For the record I was not stating I did not or was not will to workout something for this debit, but he was right away threatening and she started to use tactics that I know are illegal. I did tell him I only wanted to contact him my written communication. I thanked him for his time and hung up. I do not like being bullied, especially since I took the time to try and resolve this in a peaceful manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20 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: OH

Complaint narrative:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that XXXX be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices

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 2017-11-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that XXXX be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: OH

Complaint narrative:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that XXXX be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices

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 2017-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: IL

Complaint narrative:
McCarthy, Burgess & Wolff Address : XXXX XXXX XXXX, XXXX XXXX, OH XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX A representative named " XXXX XXXX XXXX has called me daily leaving a voicemail asking to collect a debt, not knowing who they are contacting and asking for personal information. After the 3rd call on XX/XX/17 I called back and asked who they were trying to contact, they refused to tell me. I asked what creditor they are trying to collect on behalf of. They refused to tell me. I then asked that they send a validation notice/letter and XXXX did not know what that was ( which is her job ). After explaining it to her, she asked what address to send it to, I said to send it to the billing address that the creditor has on file. XXXX did not acknowledge that I even spoke to her. I asked her if she was going to send it to me " yes or no '' and she said yes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
We were in a bankruptcy and had difficulty making our payments. Once we got back on track and started making payments, our payment dates stopped advancing correctly. 
In XXXX XXXX 2016 we were notified by our attorney that we were past due and needed to modify our loan to catch us up. At that time, our payment went up by {$860.00} to catch us up ; we paid that thru the 12 months per the terms. At the end of the 12 month term, Seterus notified us that our payments were 6 months past due. We have made every payment thus far and have not missed a payment ( late but always caught up ) ; we are now facing pre-foreclosure again because they say we are still 6 moths past due. We have explained to Seterus multiple times that according to their activity statement they sent us that the payments were not applied correctly per their attorney 's documents. They refuse to investigate and audit our loan. Our bank statements show exactly how much was paid, when, and the dates. We need help as we are being taken advantage of and can not seem to have anyone to help. I 've asked for a supervisor and upper management and they say they ca n't transfer me to anyone who can help - they say to email and fax in our request which we 've done 3 times already. We 're also being charge fees that were incurred during bankruptcy which we were told are not payable at that time, and now the fees have been assessed. Everything on thier statement from Seterus is inconsistent - I believe their own employees do n't know how to read the statement therefore does not want to help us.

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 2017-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lending Club Corp
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a personal loan in the amount of {$7500.00}. I submitted all of the requested documentation, and created an online account with Lending Club. 

By XX/XX/XXXX, I was notified that my loan had been approved and fully funded 100 %, and that it might take my bank an additional 4 days to deposit the funds in my checking account. Since that time I have made numerous phone calls to Lending Club to find out why my loan was still unfunded. On XX/XX/XXXX I reached a supervisor, by the name of XXXX who told me that they were having some technical problems and things should be resolved soon. My last contact with Lending Club was on XX/XX/XXXX. I spoke to a representative, named XXXX. After explaining my situation, she put me on hold and spoke to Supervisor XXXX. When she returned to the line, she said " the issue regarding my loan was a big mess and they were sending it to the big bosses to resolve the matter and it could take an additional 2 weeks ''. 

I applied for this loan to consolidate my bills and do some home repairs. During this long wait from XX/XX/XXXX until now XX/XX/XXXX, I have lost time and other options to apply for a loan. 

I have been treated unfairly and have been misled by Lending Club. I am requesting that the loan I applied for and was approved be funded to my bank account as soon as possible, with no more delays and unsatisfactory excuses. 

Thank You.

Company response to consumer: Closed with explanation