vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
The company is PENFED CREDIT UNION, PENTAGON FEDERAL CREDIT UNION MORTGAGE DEPARTMENT Started a refinance in the beginning of XXXX. They have made many mistakes and promises that they are trying to change after I'm vested in this process as well as insulting me for trying discuss this matter. When I got a " manager '' on the phone he said he had to get off the phone soin to go to a meeting so I only had a few minutes to talk with him. I explained that my loan officer had explained that I would receive approximately  {$700.00} towards my closing costs if I applied with them right away so I did. But when I got the documents to sign and fax back that credit was not on there. He said that it changes by the minute and I missed it. Do I asked specifically when that time was..what minute did it change. He said they dont kerp that information because things change so often. I also explained about the multiple mistakes made by loan officer and felt I deserved what she promised me. He said that " They don't throw money at their problems '' referring to me. Then he rushed me off the phone to attend a meeting.

They are asking me continually for same documents over and over because they keep extending process. Now they want to hit my credit report again and keep making excuses why they cant close this loan. Its been over 4 months since application process was started.

They took my money for an appraisal almost 3 months ago.

I want to close immediately but they keep putting it off because they say they are busy.

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 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have a payment plan set up with midland credit for an old XXXX  XXXX XXXX account I had. I set up a payment plan with them they emailed me on XX/XX/XXXX stating my next payment would come out on XXXX. Instead they removed the account offline so I can not continue to make payments on it even though they agreed to that amount. They keep threatening to take me to court which is why I set up the payment plan I did. I am a single mom on limited income due to covid and they should not honor a payment plan and then try to collect the debt in a different way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank automatically closed both my checking and savings account without contacting me first to sort everything out. I received a letter dated XX/XX/2020 from the company informing me that they completed their own investigation and decided to close both of my accounts because they believe that accounts were opened without my knowledge. However, that is simply a big mistake ; I indeed opened those accounts with my real and accurate personal information. This is NOT identity theft. It was really shocked to me as a consumer. In addition, the company never returned to me the funds left in both accounts.

I called their customer service and banker, but they just showed me their unwillingness to assist further with my case and could not disclose additional info. Then I learned that one reason may be due  to a security freeze placed on my XXXX  profile. I froze my own XXXX  profile because I am not intended to open new accounts anymore and just for security reason. Let me also be CLEAR that I placed the security freeze on XXXX  AFTER I opened Discover bank accounts, not BEFORE. Therefore, this is not logical for the company to just assume that they were opened " without my knowledge ''. This is just not reasonable by any means. 

I am ready to provide any additional personal identification documents, or lift the freeze on XXXX  to back it up that i am the real person. 

This is shady and nonsense that Discover Bank did this to their consumer. Depends on the outcome received, I will file a lawsuit against the company if I did not get my money back and with the actions that they took to close my accounts. I am not backing down for my consumer rights. 

I attached a copy of the bank letter where they stated the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The account been closed for years the company recently reports the balance increase as well reports lates payments.

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 2020-10-02 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: IL

Complaint narrative:
The account been closed for years the company recently reports the balance increase as well reports lates payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account been closed for years the company recently reports the balance increase as well reports lates payments.

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 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted experian and ask to dispute the items and also asked for proof of debt by providing me with the contract with my signature on it showing it was my debt. All that was sent to me was " Account has been verified as true and correct ". According to the FCRA I am entitled proof of debt by contract with my signature.

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 2020-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I paid my loan, but had past due membership charges, so they wouldn't let me cash out my investment. They are reporting my membership fees on my credit like it is my loan, although that is paid in full. They also have incurred {$850.00} of late fees on my account. I couldn't cancel my membership because I was past due, so they just kept incurring fees. The wait times to speak with anyone is ridiculous, and when you do speak with someone they can't do anything to help you, they just tell you the only way to help you is to pay your balance. I don't care about anything like the money in my account - which by the way they won't apply to any balance I have ever owed, even when it was more than my past due fees. I want it off my credit report. This company should be investigated, shut down, and not allowed to operate ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Dear Sir or Madam : I recently applied for a mortgage refinance with Penny Mac. During the application intake phone call, I advised XXXX XXXX that my address was incorrect. My condo unit is # XXXX, not # XXXX as was reported. Another person owns unit # XXXX. This is a critical error. I was assured it would be corrected. Please review the telephone recording. Weeks later, the problem remains unaddressed. I have subsequently reported the problem to multiple parties, including Mr. XXXX, on innumerable occasions. Each time, I have been ignored. 

Moreover, in preparation for closing, I signed a closing disclosure ( CD ) advised that money would be returned to me at closing. When the closing appointment arrived, a brand new CD, never previously presented to me, was made available indicating that I owed hundreds of dollars and that I would need to wire funds immediately. The wire cost {$20.00}. I am due a refund and an explanation. 

Penny Mac mismanaged this process from the start. They repeatedly requested documents that had already been provided. I am less than impressed. 

Please retrain the team, refund the {$20.00} wire fee, and fix my address in any and all documents. 

Thank you, XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Paypal is suspending my account every month. Then as I try to pay Paypal websites indicate that I owe XXXX amount due. Then they charge me high interest and late fees and it's their fault. I am filing with other federal agencies for an investigation for fraud. I am presenting evidence which I have copies that will prove that Pay pal is trying to enrich themselves and they need to be investigated immediately for fraudulent activity. 

See attached evidence

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 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted XXXX  and ask to dispute the items and also asked for proof of debt by providing me with the contract with my signature on it showing it was my debt. All that was sent to me was " Account has been verified as true and correct ". According to the FCRA I am entitled proof of debt by contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XX/XX/XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX  XXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : 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

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 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
i did not authorize this account on my credit. u must remove it

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 2020-10-02 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: CT

Complaint narrative:
i did not authorize this account on my credit. u must remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I bought a kitchen suite from Best Buy. When it was time to pay I told the sales person that I was using two different cards, some on my Best Buy card but I only wanted to put like {$1200.00} on my bbcc so I didnt max my card out. He told me Im sure theyve given you an increase as I replied to him that they had not and I would know if they had. I told him to call Citi Bank to see if they would give me an increase, he swiped my card and over drew my account. I was furious when a few days later I noticed my XXXX lowered my credit limit to were its almost to the XXXX, XXXX did the same thing as well as XXXX XXXX. 
I had a credit score that was pretty good and I know Ive used my spending is getting high but Im trying to help my XXXX daughters which they both have XXXX yr olds, Covid isnt helping anymore anyone. The guy at Best Buy really messed my credit up and Im almost in tears every day because if I need to go buy a car for instance I cant. Not one person at Best Buy or Citi Bank even tried to compensate me which I could care less I want my credit fixed, I wasnt the one who messed it up but I have to fix it. I dont think people understand how hard it is to take care of this and watch XXXX babies. Please, Please tell me we can fix my credit! I told that guy what he needed to do and he didnt listen!

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 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My complaint involves XXXX and TransUnion. A few weeks ago in response to an email I received from XXXX suggesting I could save money if I insured my car through them I filled out the requested information and received a guote. I did not take further action. Today I received an email from XXXX indicating that my quote was higher due to reporting information they received from TransUnion that included 4 items that were on my report that would cause a higher quote.

I don't understand any of the points listed and they don't seem to have affected my overall credit score which is very high.

I'm not inclined to spend the effort to work with either company to correct this mis-information. I will just go to some other insurance provider in the future. 

But it does look to me like XXXX is just trying to find a reason to inflate the quote and either leveraging or partnering with the credit reporting agencies to justify it.

I do think there needs to be much more scrutiny and regulation of the credit reporting agencies. They seem to have a lot of influence on consumer affairs with very little oversight from people who are actually concerned about the consumer.

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 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
1. I scheduled a payment of {$440.00} to pay off my XXXX balance. But on XXXX, I found two transactions on my bank account, both of them are {$440.00} and charged by Apple Card , which means I am being charged twice without my authorization or acknowledgement. It is a serious violation. 

2. When I disputed it with Apple Card customer service, they said they will refund me, but refused to explain any details or admit the mistakes.  On XXXX, I found out my card balance somehow increased from {$230.00} {$700.00}. But since I paid off everything before XX/XX/XXXX, the current balance should be my XXXX spending which is {$230.00}. So I tried to contact Apple Card to fix it. But they can not find out the problem. It is a violation again!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank that is in charge of the Discount Tire Credit Card randomly decreased my credit limit from {$900.00} to {$300.00} due to a change in my credit report. Ive had this card for almost a year now if not already and Ive never missed a payment. I just recently paid the card off completely in full and now my balance is less than {$200.00}. I didnt deserve to be decreased especially since my credit score is XXXX. I want my credit limit put back to {$900.00}

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 2020-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am purchasing my mother in law 's home I have moved I am not able to purchase a home due to kohl s Putting a badd credit on me what happened was I moved and did not receive my mail for a month kohl s sent me a bill for {$130.00} I did not pay on time because I never received an invoice They put a bag credit rating on me for 30 days delinquent they have not told me if that has been resolved Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one auto finance is not doing enough to help people financially impacted by covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
I noticed an Adverse account In Collections reporting on my credit report from for a {$210.00} debt balance to Credit Management LP. I had never heard of this company and I never signed a contract with them.

I contacted Credit Management LP by phone on multiple different occasions to advise them that I dont know anything about the debt that they are reporting and I requested that they remove it. In my calls I offered to pay the debt if the would agree to delete it so that I would not continue to suffer from the negative impact that this junk debt had on my credit.I did not know that I could contact the CFPB to assist me with getting this erroneous account removed. This is not my debt. I have not  ever conducted any business with Credit Management LP. I have never requested their services or signed an agreement to pay Credit Management LP for anything. Please stop this company from reporting this erroneous debt on my credit bureau reports immediately. Thank you for your kind assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief