vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 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: CT

Complaint narrative:
I pre-paid for a rental car on XX/XX/2019 with XXXX for my XXXX trip to XXXX XXXX, Fl. Upon arriving at the rental counter I was told I needed to produce my auto insurance declaration page in order to rent the vehicle from XXXX XXXX XXXX. I told them I was not informed in any of the documentation they sent prior to my arrival that stated that and they said it would be in my contract that I needed to sign. I argued that this was deceptive business practices by now forcing me to take their car insurance at an additional cost than what I agreed to.After I expressed my dissatisfaction with their policy I asked how much they wanted to charge me for their insurance at which the customer service representative stated that it didn't matter " he was not going to rent me a car regardless ''. At that I returned to the airport and rented a car with no issues from XXXX. 
I called XXXX to express my dissatisfaction and request a refund for the vehicle that I pre-paid {$180.00} for back on XX/XX/XXXX and they said since it was pre-paid they could not issue a refund. I then contacted my credit card company ( Capital One ) to report my issue and start to chargeback procedure. 
I continued to press XXXX XXXX XXXX for a refund and was contacted by XXXX XXXX who is the Customer Service manager at XXXX XXXX XXXX who apologized for inconvenience and stated she would issue a refund. She then contacted me the next day and stated that since I had reported the issue to my credit card company she could not issue a direct refund to me she would have to work through my credit card company. I agreed to that and considered the case closed. 
I was then informed by Capital One that XXXX XXXX XXXXl had declined my request for a refund and the charge of {$180.00} was put back on my card. I contacted XXXX XXXX and was told that since I filed a chargeback with my credit card company her policy states that she can not issue a refund. 
So, XXXX XXXX XXXX did not fulfill their obligation to provide a vehicle that I paid for and Capital One refuses to support my claim that I paid for a service that I did not receive thus my writing to you today. 
I have documentation that supports everything that I stated above and will provide it upon your request. Any assistance you could provide would be greatly appreciated. Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-05 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: FL

Complaint narrative:
XXXX XXXX XXXX Balance increase by {$25.00} Between XX/XX/XXXX to XX/XX/XXXX account balanced was increase from {$4200.00} to {$4200.00} I called XXXX XXXX and they said they do not know. 
Equifax doesn't know So Who knows?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Besides the fact that now this company charges {$5.00} each month I make my payment on line, once again when I send an escrow check to cover the shortage, my monthly amount increases and I do not know where my check goes. In XX/XX/2019 I had received a letter regarding my escrow shortage. I sent the check on XX/XX/2019 of {$300.00} to cover the shortage. On my statement dated XX/XX/2019 shows they received the check & applied to " special deposit '' instead of escrow. My XX/XX/2019 monthly payment increased regardless. Same thing happened last year and when I called the response seemed confusing. I let it go because I was going through a difficult emotional time and could not handle another stress. This time it happened again and I am not letting it go. I need to understand where the checks have been applied each year since it is not going into my escrow as it should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: FL

Complaint narrative:
XXXX XXXX XXXX Balance increase by {$25.00} Between XX/XX/XXXX to XX/XX/XXXX account balanced was increase from {$4200.00} to {$4200.00} I called XXXX XXXX and they said they do not know. 
XXXX doesn't know So Who knows?

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 2019-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Chase approved rate@2.99 but car financing dept. raised it to 5.99 but told me 5.99 was what I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I used my credit card to pay my XXXX cell phone bill once, will a few months later I was charged {$120.00} I disputed the charge, and locked my card. A few weeks ago they added it back and said they were mailing me information to dispute it via mail, they also sent me a link but the documents I have to support it are to large to upload. Now I am over limit and its reporting to the credit bureaus as me being over limit. On XX/XX/19 I called to let them know and he suggested I fax it in instead, I don't have access to a fax machine, why not resend the paper? I have never authorized XXXX to use my card or keep it on file and they are constantly trying to charge my card. I have a dispute with them for over six months that has not been resolved and I sent it to you as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: TN

Complaint narrative:
all my extra payments is going to the interest of the loan.. none of it is going to the principal..I made an extra payment on XX/XX/2019 of {$100.00} at the time my balance was roughly {$9000.00} ... since then I made 2 more extra payments one for {$43.00} and the other for {$44.00} which I thought it all was going to go to the principal and it didn't ... .it all went to interest ... my balance is still {$8900.00} ... I will never get this loan paid off this way

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Reporting to the credit bureau as if I made a payment and I didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent a formal dispute along with my identity theft report to Equifax but they refuse to accept it like the other 2 bureaus and continue to report unverifiable and fraudulent information on my credit file. I read bad reviews about them and is aware of the class action lawsuit which proves that they don't follow the law. I'm upset and want them to follow the guidelines under the FCRA. The following account are unverifiable and fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America, without notice inappropriately paid my real estate taxes and initiated an escrow account for my loan against my requests and demands. I was in the process of appealing the real estate tax assessment ( and was affirmed by the local taxing authority ) when BoA paid the taxes and penalty and interest which I now need to back out and reverse -- costing me hours of time and problems with the city, assessor, and BoA. I have already spent over 7 hours ( mostly on hold with BoA since they won't give me a direct contact ). BoA is hiding behind its vendor, XXXX, which hasn't responded to BoA 's 3 week old request.

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 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX sold my mortgage to Specialized Loan Services in XX/XX/XXXX. My mortgage statements from Specialized Loan Services, indicate and have messages about bankruptcy, not an attempt to collect a debt, fill out forms if you no longer wish to receive statements, and I am not obligated to pay my mortgage since responsibility was released through bankruptcy. It is the case in XX/XX/XXXX I filed bankruptcy, however, my mortgage was never entered in the bankruptcy, I reaffirmed the debt. 

I called SLS in XX/XX/XXXX to discuss the statements I was receiving and on the phone messaging, it also mentioned bankruptcy and an attempt to collect a debt ... ..I talked with a Representative about the information on my statements. I explained my mortgage was not part of my Bankruptcy and that it was 8 years ago. I was told because I had a bankruptcy that's how they have to report it. 

On XX/XX/XXXX, I called SLS again because my mortgage is not showing up on my credit report. The Representative I spoke with said that when XXXX XXXX transferred them the mortgage, they flagged my mortgage as in Bankruptcy. I was angry that this could happen and explained I would like to know why and how it happened. I am not sure why XXXX XXXX sold my mortgage and stated it was in bankruptcy, my statements from them never indicated any language to the contrary. I was told someone would call me in 5 days. 

I noticed a few months ago that XXXX XXXX had reported my mortgage as " paid '' with no payment history. I had requested through XXXX XXXX that it say the loan was sold and my payment history be entered. It now says loan transferred. I recently applied for credit and was denied, I do not know if my mortgage being " flagged '' and or not showing up on my credit report had anything to do with this mess. 

At this point I do not trust that between the two companies things will be resolved as they should so I wanted to send this complaint to be assured someone else would be looking at it. 

Thank you

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 2019-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: CA

Complaint narrative:
I am preemptively filing to avoid all of the things described by the people here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not want to end up paying on this loan only to later discover that none of the payments show on the account or that I still owe more than stated 5 years down the line. 

I would like to know how to proceed with rolling back this loan or refinance through a reputable lender.

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 2019-09-05 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: DC

Complaint narrative:
I have several DEPTOF XXXX accounts that are reporting inaccurate information. They are reporting 90 and 120 days. On-timeXX/XX/XXXX, 90 days late XX/XX/XXXX and 120 days late XX/XX/XXXX. There are 30 or 31 days in a month. I sent to proof and instead of correcting the error or deleting the account. 

Thy continue to update now 120 days late is reporting XX/XX/XXXX when the account was closed/transferredXX/XX/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 2019-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
In XX/XX/XXXX, my mortgage was sold to PennyMac from XXXX XXXX XXXX. Prior to being sold, XXXX had us on biweekly payments that we paid close to {$1100.00} every 2 weeks. Because there is typically a 3rd payment week in a 5 week month, that payment was used by XXXX to put directly towards principal payments. We were unaware of that, however PennyMac worked with us to work with XXXX to have all of the payments credited properly to where we were not considered missing a payment for XX/XX/XXXX when our loan was transferred. 

However, while we were in that months long discussion and changes from XX/XX/XXXX until XX/XX/XXXX, we were making payments under the assumption that we would be caught up once the discussions and decisions were made. As of XX/XX/XXXX, once the account was recredited properly, we only owed {$530.00}. We made that payment on XX/XX/XXXX. We were under the impression that once we caught up, we would be able to sign up for automatic payments but for some reason, our account has a flag on it as that we are more than 30 days late however the account was credited incorrectly in the first place, therefore we are unable to sign up for autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My information was stolen and my personal information was compromised and used to open up fraudulent credit accounts. I have contacted these companies and supplied all information that was required ( Police report, Fraud Affidavit, Copy of Social and Driver 's License ) and also filled out documentation that was sent to me from the companies. There has been no resolution for these fraudulent accounts and they are holding me responsible for me being victimized. I contacted " Chase Bank '' although it was deemed as fraud I spoke with a supervisor named " XXXX '' he told me that they don't have to clear anything, that they can do whatever they want until they find where the money went. I spoke with several representative at " XXXX XXXX Fraud Claim Department '' I was told that it was deemed as fraud, but then received a letter saying that I am responsible for this account. I contacted " XXXX Fraud Department '' after sending in all documentation, I was told that I am responsible for this fraudulent account. I have never had any accounts with these companies and they need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
After checking My credit report in mid 2018, I noticed that convergent outsourcing had a negative mark on my credit report for a XXXX cell phone bill. Convergent never initiated contact with me either by phone email or regular postal mail. After checking my credit file I spoke to convergent outsourcing. They told me That as long as I paid the bill in full by a certain date that all negative marks on or credit reporting agency credit files will be completely deleted. They deleted the file from one credit reporting agency credit file, however they failed to delete from the others.

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 2019-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
I sent a money transfer using MoneyGram transaction refrerence # XXXX the reciever wasnt able to pick up money on XX/XX/2019, I called to see what the problem was and they said they would do a refund. On XX/XX/2019 I called to see what the hold up on my refund was. I was told Im a security risk and they would be holding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kramer & Frank, P.C.
State: KS

Complaint narrative:
Kramer and Frank XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX I had an account sent to collections to be managed by K & F. In my several attempts to reach customer service and their office manager, I left MANY voice and emails which went unanswered for days. Finally, upon reaching the office manager, XXXX XXXX, on XX/XX/XXXX, I was able ( after several attempts ) to make a payment via a direct debit from my checking account which satisfied the entire debt ( {$3600.00} ) and effectively closed my account with K & F. I received both verbal and written confirmation of this from K & F. However, on XX/XX/XXXX, K & F garnished my paycheck ( {$530.00} ) AFTER my account was satisfactorily closed. Upon dozens of attempts to call, leave voice mails, and emails for customer service and the office manager, XXXX XXXX, to receive a refund of the money they now owe me, not a single phone call or email was returned to me. It has now been over 14 business days/three weeks after my account was satisfactorily closed and K & F illegally garnished my paycheck, I still have not received any form of communication from any individual or employee of K & F to address the refund owed me. This absolute lack of customer service and communication is unacceptable. They seem to be available at best sporadically to take money owed to them, and they are available NOT AT ALL to refund money they owe to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
In XXXX of XXXX I received my annual Tax and Interest statement from my mortgage company Mr Cooper XXXX XXXX XXXX XXXX. XXXX TX. XXXX Loan # XXXX I made every payment the entire year more than {$9000.00} dollars refund of over payment of interest was {$0.00} so I asked where did all the payments go. Till this day even after I spoke to them they have not given me and answer. Mr Cooper Mortgage Company said they would resolve this by XX/XX/XXXX, this has not happen. This is my second attempt in filing an complaint with this office and have not gotten an response ether. 
Are there any consequences when mortgage company break the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: DC

Complaint narrative:
I have several DEPTOF XXXX accounts that are reporting inaccurate information. They are reporting 90 and 120 days. On-time XX/XX/XXXX, 90 days late XX/XX/XXXX and 120 days late XX/XX/XXXX. There are 30 or 31 days in a month. I sent to proof and instead of correcting the error or deleting the account. 

Thy continue to update now 120 days late is reporting XX/XX/XXXX when the account was closed/transferred XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
They have repeatedly called me on my job at the Maryland Department of the Environment even after I told them NOT to disrupt me at work. they have attempted to get me fired by calling my coworkers and supervisor and personnel and left a message on my supervisors voice mail. I will sue them if I lose my job because of this ongoing harassment. They are trying to adversely impact my job performance, humiliate me and get me fired. This harassment at my place of employment MUST stop immediately. How many people have they caused to lose jobs by doing this kind of unethical harassment. PLEASE stop these XXXX XXXX XXXXXXXX from destroying my life and anyone else 's life ... no human being deserves to be harassed, degraded and at risk of losing their job because of these evil, vile and unethical scumbags. STOP THEM! PLEASE!

Company response to consumer: Closed with non-monetary relief