vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
This year, American Express, XXXX, and XXXX XXXX have all lowered my credit limits on accounts that are, and have always been in good standing. 
This creates a snowball effect, as my FICO scores drop to reflect an increase of debt to available credit, even though the amount of my debt has not increased.

The strategy behind this is clear. The lenders want to prevent me from flipping balances from one card over to another, to take advantage of reduced or XXXX percent interest rates. When my promotional rates expire, they go to 30 % or more, and any effort to open a new line of credit reduces my score even more. 
This is dirty business. Ive never been late on anything. I have told these creditors that if my interest rates skyrocket, I wont pay them back at all. They dont care : My FICO scores are already ruined because of this.

Corporate greed and stupidity.

FICO scoring and lending industry abuse of this system DIRECTLY CAUSED the financial crisis of 2008. I lost XXXX homes and life savings because of this. 
See my website, XXXX 
This business model is applied universally. The people it victimizes are rarely aware of the real reasons behind their credit problems.

FICO scoring is the SOLE PARAMETER by which an applicants credit worthiness can be evaluated or considered. Nobody reads credit reports anymore. This is a corporate screwjob, and creditors who engage in it dont deserve to be paid. Tell them to stuff it, along with their dirty business tricks. Dont sanction or tolerate legalized theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
This year, XXXX XXXX, XXXX, and Wells Fargo have all lowered my credit limits on accounts that are, and have always been in good standing. 
This creates a snowball effect, as my FICO scores drop to reflect an increase of debt to available credit, even though the amount of my debt has not increased.

The strategy behind this is clear. The lenders want to prevent me from flipping balances from one card over to another, to take advantage of reduced or XXXX percent interest rates. When my promotional rates expire, they go to 30 % or more, and any effort to open a new line of credit reduces my score even more. 
This is dirty business. Ive never been late on anything. I have told these creditors that if my interest rates skyrocket, I wont pay them back at all. They dont care : My FICO scores are already ruined because of this.

Corporate greed and stupidity.

FICO scoring and lending industry abuse of this system DIRECTLY CAUSED the financial crisis of 2008. I lost XXXX homes and life savings because of this. 
See my website, XXXX. 
This business model is applied universally. The people it victimizes are rarely aware of the real reasons behind their credit problems.

FICO scoring is the SOLE PARAMETER by which an applicants credit worthiness can be evaluated or considered. Nobody reads credit reports anymore. This is a corporate screwjob, and creditors who engage in it dont deserve to be paid. Tell them to stuff it, along with their dirty business tricks. Dont sanction or tolerate legalized theft.

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 2020-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had placed the mortgage in forbearance, once things returned to normal I removed forbearance and asked for a restructure to move one " missed '' payment to the end of the mortgage. This has been approved. I was told the only option, as a result of the FHA mortgage, is to have new papers signed which need to be notarized. This is of course no problem, I asked if they could be e-mailed or faxed and I was told that they " needed originals '' so they had to be sent to the notary service from them ( this doesn't make sense since they become originals once they have my signature, there is no signature on the papers that are sent from the loan company ). The lender is requiring that I work with their mobile notary, the request was put in on XX/XX/XXXX however no one has contacted me. I have reached back out to the lender and have been told that it may be another 2-3 business days before they contact me, am I willing to wait? Do I have any choice? Not really. This is preventing me from doing a debt consolidation loan with another lender because they want to see that I'm not in default, but I can't produce that paperwork without this being completed.

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 2020-08-07 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been monitoring my credit closely this past year because I am in the home buying process and I received a notification from my XXXX XXXX saying a had a delinquency on an account I paid off in full, I opened the MACY 'S app to see and I was hit with a negative mark for a interest carry over fee of {$1.00} - I called them immediately last XXXX and explained to them and was assured that it was removed and taken care of and would not hit my credit report. I applied for a house today and the lender came back saying I had 90 day late from MACY 'S so I contacted them immediately again today and explained what happened and how I made the call and was told it was rectified. 
The associate on the phone was rude and not helpful and I asked to speak to a manager- He was much more helpful and polite but still stated there was not any evidence I had ever called. I explained to them I most certainly did call because I was in the home buying process and it was priority to me. The dates are XXXX and XXXX of XXXX. My credit reports now shows a 60 day delinquency over a {$1.00} charge that I did not even know existed and was told by a agent that it had been removed and it would take 30-45 days to update on my credit report. Now this is hurting my score and the the buying process. I believe when I made my initial call the employee did not take proper notes and did not to what I was told was done and now I am in a bad position. I would like this to be investigated further and am still requesting MACY 'S to remove this my credit report. I have paid them in full and do not owe them any money.

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 2020-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
PayPal keeps sending me debt collection attempt emails and I believe Im the victim of fraud or and someone using my social security number because I never had PayPal nor owe anything to them. I would also get many phone calls threatening me and claiming to put me in jail ... very scary and Im really clueless as to what to do until a friend told me to file a complaint through here. XX/XX/2019 is what I see showing up on my credit reports and this is not right. Please help me this is definitely not valid

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 2020-08-07 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: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
Specialist id # XXXX Covid19 XXXXXXXXXXXX  XXXX XXXX I don't think I have ever received worse service and customer service from a company in my entire XXXX  years of life. 

After being approved for forbearance from XXXX/DovenMuehle Mortgage/XXXX  due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020. 

At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Repeated disputes through XXXX  credit bureaus, to no avail. Provided proof of residency at the time with FTC and police reports of identity theft. Debt still being verified as accurate

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Attempted to transfer funds from PNC Bank to XXXX through XXXX. 

XXXX  does not allow this connection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I applied for an increase in my interest-only HELOC. I was offered an increase after submitting the required paperwork and paying for the appraisal. I did not have a closing due to the pandemic. I was never told that PNC Bank had created a new loans and that the terms of the loan included the payment of principal and interest. I did not receive notice of the change until I received a statement that required principal and interest. 

The interest only loan is essential to my qualification for a loan to buy another home without having to sell my current home. I discussed this with PNC when I applied for my increase and was assured that it would not be a problem. The principal and interest loan causes my debt to income ratio to be too high to qualify for the home loan that I am hoping to close on in 45 days. That was the purpose I sought the increase in my HELOC. 

XXXX XXXX promised to research the issue and get back to me a week ago. I have left a number of unreturned calls. His supervisor promised to call me back but also failed to do so. A couple of weeks ago I was assigned complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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:
I reached out to Experian several times letting them know that there was unauthorized inquiries on my credit XXXX in a XXXX XXXX Experian business credit I also have a theft report number 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 2020-08-07 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:
On XX/XX/2020, I spoke with Experian credit bureau in regards to a creditor reporting incorrect balance. I called the creditor XXXX on XX/XX/2020 to inform them that the balance of my loan should be {$0.00} and account should be closed. The creditor provided me with information that was reported to Experian credit bureau which was correct information. When I called Experian back the same day, I explained to Experian that the correct information was reported from the creditor. After explaining what information the creditor had told me, the Experian representative hung up on me when I told the representative that I don't know who's reporting wrong 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 2020-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I booked a Hotel in XXXX for XXXX XXXX. On XX/XX/XXXX & XXXX of XXXX I attempted to reach XXXX through their online portal and was told I could not speak to a representative because my travel was more than 3 days away. On XX/XX/XXXX I contact my bank to start a dispute. The bank issued a temporary refund to my account. As i had only received a temporary refund, on XX/XX/XXXX & XXXX, I attempted to take measures to recoup some of my held funds through a price guarantee with XXXX, both being denied. Due to the temporary refund XXXX cancelled my reservation on XX/XX/XXXX. Then on XX/XX/XXXX my credit card company completed and posted payment for the reservation, charging me in full.

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 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX I received my CapitalOne credit card statement with a XXXX XXXX of {$4600.00} due on XX/XX/XXXX. I forgot to make the payment on XX/XX/XXXX and instead the payment of {$4600.00} was made and posted to the account on XX/XX/XXXX. At the same time I called CapitalOne to apologize for the late payment and to request that they waive the late payment penalty and any interest charges which they agreed and posted a credit of {$38.00} and {$66.00}. At this point I thought everything was resolved. I always pay the balance in full and rarely make a late payment. 

On XX/XX/XXXX I received my CapitalOne credit card statement with a New Balance of {$11000.00} due on XX/XX/XXXX. I made the payment on XX/XX/XXXX in full and it posted to the account on XX/XX/XXXX. However, I was surprised to learn that there were additional interest charges to the account in the amount of {$72.00}. I called CapitalOne to complain and they refused to remove the charges. CapitalOne pointed out that on the back of the statement in fine print, under How Is The Interest Charge Determined, it says, " You may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the prior month. Once you start accruing Interest Charges, you generally must pay your New Balance in full two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. '' This is a misleading statement, the " may '' should be replace with " will '' and the " generally '' should be removed. It should ready " You will owe Interest Charges ... '' and " ... you must pay your New Balance in full two ... '' Under the previous section, How Can I Avoid Paying Interest Charges?, CapitalOne never states how to avoid this situation. It reads, " If you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, we will charge interest on the unpaid balance. '' We paid the New Balance in full ( two days late ) and we were still charged interest on new balances. 

If we had known that CapitalOne was going to charge interest on new purchases we would not have used the credit card during that billing period in order to avoid paying interest. CapitalOne should have disclosed this under the section, How Can I Avoid Paying Interest Charges? 

We have asked CapitalOne to credit the interest charge and they have refused. In fact, their representatives are so poorly informed that they could not even tell us if we would continue to have interest charges applied if we pay the New Balance this month and so we have made a payment in excess of the New Balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC

Complaint narrative:
The Last first of XX/XX/2020, I called to Shellpoint and they informed me that the loan payments were 5 months overdue and that the house was in a foreclosure process, which took me by surprise because I was NOT notified by any means or written, neither by phone nor by email. They also said that my contact details had been wrongly registered so there was no communication of any kind with me. 

I have tried to communicate with shellpoint several times by emails ( attached ) and phone calls in order to assist me through the remainder of the loss mitigation process concerning my mortgage loan, but I have not had any clear and concise answer. 

I only want to know which plan either " Modification '', " Forbearance Plan '', " Repayment Plan '', etc would work for me to pay the loan. 

I really feel uncomfortable with this situation and I would like to make a formal complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
We purchased a home in XX/XX/XXXX. The mortgage company was Lakeview Loan Servicing , LLC ( subservicing by XXXX ). We later refinanced with the same company to get a lower interest rate. We signed all the closed on XX/XX/XXXX, and began paying on our newly refinanced mortgage shortly thereafter. After several issues with billing ( incorrect amounts, unexplained late fees, misapplied escrow funds ), we decided to refinance with a completely different company just to get away from Lakeview/XXXX. We started that process in early XX/XX/XXXX. During the application, my new lender informed me there was no Record Release filed when the other loan closed on XX/XX/XXXX. It was suspected Lakeview/XXXX did not file the paperwork properly. This meant we could not continue with the refinancing until that document was filed. I called Lakeview/XXXX  on XX/XX/XXXX, to request a copy. I was given an internal email address and told to expect a response within 24 hours. I immediately emailed them and received an automated response with a ticket number. waited 48 hours with no response. I emailed them for a follow up. I received another automated response with a different ticket number. I called Lakeview/XXXX on XX/XX/XXXX, to get an update. They had no record of my emails. They said they had the file, would make an investigation request, then get back to me within 3 business days. After 5 business days with no response, I called again and requested a supervisor. The supervisor said there was no indication that Lakeview/XXXX   " sent the paperwork and the check to the county. '' So, technically, the loan was never properly closed by Lakeview/XXXX  back in XX/XX/XXXX. They said they would investigate and close it by XX/XX/XXXX. It was supposed to be filed no later than 60 days after signatures. That created a big problem for us because the rate lock for our refinance expires on XX/XX/XXXX. If the new mortgage company does not receive all the paperwork by XX/XX/XXXX, we will have to pay to get the rate lock extended, because Lakeview/XXXX failed to comply with the law and file the necessary paperwork and fees within 60 days of signature. We believe they should be held accountable for non-compliance with the 60 day filing rule and they should also be responsible for any extension fees we have to pay to extend our rate lock. We highly believe that, had we not decided to refinance with another company, Lakeview/XXXX still would not have processed the required documents and it would have been a complete mess when we decide to sell this property in the future.

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 2020-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XX/XX/20 I received a call from your Midland Credit Mgmnt, a debt collector. XXXX stated it is a XXXX XXXX visa account with an outstanding balance of XXXX. I told her, we never received the cards nor any statements. 
In further discussing this issue, I discovered from XXXX said communication was sent to our street address in XXXX, CA. We do NOT have USPS delivery to our home as we live in a rural area. What became of your communication is anyones guess. When asked, XXXX stated she has no idea what the amount encompasses and has no access to the details, and to contact XXXX XXXX 
The same day, I contacted XXXX XXXX and sent them a letter and to this date, have not heard back. 
Mid-XXXX, I received another call from MCM, XXXX. This time, I told her I am officially disputing this amount. She said she noted it and we should receive communication from MCM. 
We heard nothing until today. A call from XXXX XXXX at MCM. He had no record of the dispute and insisted we are ruining our credit if we don't pay. I went round and round with him until I finally ended the call. I repeatedly stated, I can not act to resolve this situation until such a time I receive detailed account information. Merely presenting me with a sum, is NOT acceptable as I can not verify the charges. 
I am now frustrated beyond words and is requesting your assistance in this matter.

Company response to consumer: Closed with explanation