vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Stone Higgs & Drexler
State: TN

Complaint narrative:
purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX in XXXX. As soon as I rolled off the lot I begin to have mechanical issues. I had to replace the ignition switch, the timing belt and the water pump. The AC & heat also was not properly functioning. I contact the dealership numerous times explaining the situation. I spoke with XXXX the supervisor and was informed that if I could bring the car back and wouldn't be responsible to it anymore. I not to knowledgeable about this process. However I feel that I was deceived and taken advantage of regarding the purchase of the car. I return the car and was notified about the balance after I was told I could just return the car and that would be it. My wife was ill and recently died- it was difficult for me to get to work with all the mechanical issues.A judgement was filed in the amount of {$6000.00} including court cost. The blue book value of the car is $ XXXX {$1800.00}. I am not negating my responsibility however I don't think it's right or fair after I had been lied and still responsible to a lemon.This account was turned over to Stone Higgs & Drexler XXXX and they refused to assist me with reducing the debt and making payment arrangements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06 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: CA

Complaint narrative:
On XX/XX/2019 I rented a vehicle from XXXX XXXX XXXX and used my Capital One credit card for deposit only as used an unrelated card for payment. I returned the vehicle on XX/XX/2019 with not further payment required. The initial deposit went away and was no longer pending on Capital One card. 
On XX/XX/2019 I received and email from Capital One stating that a charge from XXXX XXXX  in the amount of {$3000.00} was declined. My card limit is only {$300.00} as I'm establishing my credit. However, on XX/XX/2019 Capital On allowed a charge in the amount of {$2200.00} from XXXX XXXX. I made a dispute and a temporary credit was given. I was then rebilled for {$2200.00} on XX/XX/2019. I have continued to dispute and even sent written letter as requested by Capital One but have been told that XXXX XXXX sent them a bill stating vehicle was not returned until XX/XX/2019 at a location about XXXX miles from my home and original pick up/drop off location. I even tried disputing with XXXX XXXX with no luck since I have misplaced receipt. 
This has cause me to have a balance of {$2800.00} after continued interest fees. I believe this has become a fraudulent transactions and Capital One should never have allowed such a large transaction to go through with a low credit limit in card. Also the fact that 2 different amount were attempted should have been a red flag.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Online information services has an account on my credit that's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On beginning of XX/XX/2019, I started my mortgage refinancing using the IRRRL benefit. I was told by the loan agent that I should hold my payment until the refinancing was completed. XX/XX/2019 I was contacted by a loan agent explaining that in order to move forward with the refinancing I needed to make a payment for the month of XXXX. I explained to that I will be able to make the payment by first week of XXXX. I proceed with the payment, I called pennymac to follow up and I was told that the refinancing was closed due to late payment. Several occasions I explained that the only reason I was late was because of their initial instructions hold the payments until the refinancing was completed. Until todays date they refuse to complete my refinancing nor start any application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: NV

Complaint narrative:
I just started montering my credit and I see that the credit bureaus are inaccurately reporting data about me. Experian has my name listed incorrectly 30times. I have tried disputing with Experian has been refused the right to dispute how my name is reported with them. 

I am very disappointed that these credit bureaus are able to get away with inaccurately reporting data about a consumer. I have been denied credit time after time and I never understood why and now I see why There are several student loan showing up on my report that I NEVER opened. My credit file contains inaccurate addresses to which I have never resided at and this is unethical. 

I am asking that the CFPB steps in and makes sure the credit bureaus does whats right under law

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 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Refinanced primary residence mortgage with Loan Depot which was to close on XX/XX/19. Disbursement date was supposed to be XX/XX/19. Received automated email on XX/XX/19 that my mortgage was funded. I received a late fee notice in the mail from original mortgage company since the loan was not paid off by XX/XX/19. I reached out to my contact at Loan Depot via email on XX/XX/19 requesting when my loan was going to be disbursed. She responded on XX/XX/19 and indicated the settlement agency ( XXXX  XXXX  ) was running about a week behind on " payoffs ''. My original mortgage was then paid off on XX/XX/19. I was supposed to receive {$1800.00} cash to close per the Closing Disclosure. I have not yet received. I prepaid interest from XXXX in the amount of {$560.00}. I emailed my contact at Loan Depot via email again on XX/XX/19 asking them to wire my money ASAP and never received an email back. I called the contact with XXXX  XXXX  listed on the Closing Disclosure on the morning of XX/XX/19 and left a voicemail to call me. I finally got a hold of a live person on XX/XX/19 from XXXX  XXXX and she said she would put a rush on the payment. I asked her to give me a date the funds would be settled. I have not heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am in XXXX  school and taking half time classes for about a year already. Navient is requesting I pay student loans EVEN WHILE IN SCHOOL HALFTIME. This is unfair and highly unethical as I try to pursue my XXXX. I am studying to become a XXXX  XXXX at XXXX XXXX XXXX and have sent them documents on XX/XX/XXXX stating I am taking halftime classes WHICH THEY ACCEPTED. What they are doing is wrong and they are unprofessional as i have been taking HALFTIME COURSES ALL YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I just started montering my credit and I see that the credit bureaus are inaccurately reporting data about me. XXXX  has my name listed incorrectly 30times. I have tried disputing with XXXX has been refused the right to dispute how my name is reported with them. 

I am very disappointed that these credit bureaus are able to get away with inaccurately reporting data about a consumer. I have been denied credit time after time and I never understood why and now I see why There are several student loan showing up on my report that I NEVER opened. My credit file contains inaccurate addresses to which I have never resided at and this is unethical. 

I am asking that the CFPB steps in and makes sure the credit bureaus does whats right under law

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 2019-12-06 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: NV

Complaint narrative:
I just started montering my credit and I see that the credit bureaus are inaccurately reporting data about me. XXXX  has my name listed incorrectly 30times. I have tried disputing with XXXX has been refused the right to dispute how my name is reported with them. 

I am very disappointed that these credit bureaus are able to get away with inaccurately reporting data about a consumer. I have been denied credit time after time and I never understood why and now I see why There are several student loan showing up on my report that I NEVER opened. My credit file contains inaccurate addresses to which I have never resided at and this is unethical. 

I am asking that the CFPB steps in and makes sure the credit bureaus does whats right under law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
We are currently in Chapter XXXX and making direct post-petition payments to Fay Servicing. We are current on all Chapter XXXX payments, and approximately one year ahead of schedule in playing 100 % of our obligations and on track to complete our repayment plan by early next year. 

Fay Servicing added {$11000.00} in alleged " Overdue post-petition payments '' to our most recent statement. In XX/XX/2019, the Fay Servicing statement showed {$0.00} in Overdue payments. We have paid the full amount due on every subsequent statement. Fay Servicing refuses to speak with us or explain the source of the sudden alleged overdue payment figure. They are demanding payment which amounts to approximately 2-1/2 times our contractual monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I started my Capital One account and have never made a late payment. All of my payments have been on time, and I have even paid 10 times over the minimum amount. While having the account there were two payments that didnt go through. The payments that didnt go through was because of fraudulent activity that was cleared up through my other bank but those payments were also not payments that were even due. I was just trying to do good by my credit company. After I sent them a claim because of the data breach they used the two times my payments didnt go through as a reason to XXXX down my account. Their policys are unlawful and discriminatory. They charged me high interest fees and yearly fees that were not supposed to be there. I will be taking legal action if this does not remedy my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: NY

Complaint narrative:
XXXX XXXX foreclosed on my property, they were granted foreclosure due to my attorney XXXX XXXX. in XXXX NY neglected to perfect a response for 10 months. 
I entered into a modification agreement with XXXX XXXX whom XXXX transferred the foreclosure summary to. 
I honored the agreement and have made 7 payments on time. there was {$2.00} shortfall on one payment due to bank error on a check for {$2500.00}. FCI lender services over charged my account {$160.00} for that. Also, if FCI Lender services had the proper licensing from servicing my mortgage from 2015. 
I have yet to receive a executed Modification agreement or removal of lis pends on my home.. 
Further a QWR was requested over 30 days ago, I have yet to receive proper information

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 2019-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I transferred {$250.00} in XXXX to overseas using Western Union. Paid {$250.00} with my XXXX XXXX Credit Card. The transfer was treated as Cash Advance, so XXXX XXXX charged me additional XXXX , and more as interest. When I called XXXX XXXX, they explained that this was due to Western Union Transaction, and they said there was no way for me to pay this fee unless I pay off my balance. I called Western Union, and they said they would do their best in the future to notify their customers better on what this transaction would be treated as. When I searched online, I found that many other people were impacted negatively from this cash advance transaction, and they did not find out about it until they saw that they were charged for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Re : Acct # XXXX will not and can not provide a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND FUNDING LLC will not proved validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
Have be working with Sierra Pacific Mortgage on assuming an existing mortgage for over a year. I found out today that I was not talking to Sierra Pacific Mortgage directly but to a loan serving company for them. XX/XX/2019 and XX/XX/2019 sent loan package to " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX ''. Their Corporate offices are in XXXX, CA XXXX that I found out today. I applied twice to the XXXX XXXX address and was charge a {$900.00} ea time to assume the existing loan and was denied both times. I called the corporate office today to see if a refi of the loan will be a better option and explained my experience with their Special loan dept about the assumption. That is when I found out that no Sierra Pacific loans are assumable and they do not have a Special loan dept. For a hole year I was talking to? Have all the documentation, was told after I assume the loan It would not be assumable again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi Bank continues to just make up their own choice of actions/responses as they go along. 
Referencing the CFPB complaint # XXXX-XXXX Citi Bank did not resolve the initial issue and still, to this day, refuses to close the account ( card ending in XXXX ) despite written request arriving at the required address VIA chat transcript and within the CFPB complaint filing. 
BUT! 
Reference CFPB complaint # XXXX-XXXX  and Citi Bank ( with no notice or reply to complaint ) closes this account ( card ending in XXXX ) How is this possible?

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 2019-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I filed a complaint previously about this new lender and their inconsistencies with my loan since it was transferred to them. They replied to that CFPB complaint and said that I didn't need insurance escrowed. After getting their response letter I did further investigation and was told my my HOA that I am not covered under the condo or master policy as stated by my lender and that since I am considered HOA ( there are condos within my neighborhood ; however I am not one of them ) I needed to purchase my own insurance. I left it alone and decided to pursue insurance on my own. 
Fast forward to today and I show a debit for XXXX on my account. I called customer service and was told that this company re-added the insurance back to my account and are now saying that I need the insurance. Why is the payment XXXX and not what I had previously paid when the loan originated? XXXX was the company I selected for my home insurance policy but the lender says they have no clue of this. Why? I need this corrected and for my payments to reflect consistently with what I had agreed to when i closed on the loan XX/XX/XXXX. I need this lender to show me what I agreed to and explain any differences in payments as well as explain why they are sending the payment to homesite and not XXXX since I am considered HOA. I need to understand why they have now changed their mind yet again and started taking out the money that they refunded to me per my previous complaint with CPFb, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
XX/XX/XXXX at XXXX, I received an email from XXXX  XXXX XXXX ( I have a credit and debit card with XXXX  XXXX XXXX ) saying that my card was being used to make 20 individual purchases on this website XXXX, with charges equating to {$8500.00}. I called the bank immediately and was told someone hacked into my paypal and my XXXX   account. I was unable to access my my XXXX  account since the hacker changed all of my information. The bank closed my account, but XXXX of the purchases did process on my credit card for {$580.00}. I checked my account today, XX/XX/XXXX, and I noticed over {$3000.00} of my savings had to be transferred to my checking account which means the orders the hacker made could have been processed. I called XXXX  XXXX   XXXX again, and I was told they froze my account. I am going to XXXX  XXXX XXXX to open a new account, but I have to wait until next week to get an update on my claim. I filed a claim to PayPal and it is under review. I also emailed XXXX customer service and they were able give me access to my account and to change my password. However, once I logged in, I realized XX/XX/XXXX of the items the hacker tried to purchase are processing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was charged a membership fee from Capital One and given no notice that the membership fee was on my credit card which had a XXXX  balance. Once I found out about it, I paid it off and called them right away, they then admitted fault and credited my account the the XXXX dollars which gave me a negative balance. They then reported to the credit agencies that I was 30 days late for something I didn't purchase or use. As a result, My credit score has been severely impacted and i'm being spoken to by creditors who keep saying that I do have a missed payment on my history as if i'm a criminal. I have always maintained an excellent payment history, please help fix this issue. Thank you!

Company response to consumer: Closed with non-monetary relief