vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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 — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I have contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.

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 2020-07-17 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 — Was not notified of investigation status or results
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I have contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: NY

Complaint narrative:
My sole existing credit card with Capital One with no delinquencies was closed due to inactivity. Unfortunately, I was not given an opportunity in advance to correct this, as I am ready to, and the closure is adversely and disproportionately affecting me during the coronavirus crisis. My overall utilization rate, relatively long age of the account, credit worthiness, and diversity of creditors are now extremely affected by this decision that was made with zero forewarning to me. As my employment and credit score have already been negatively impacted by the crisis, this company is now responsible for actively preventing my ability to improve my situation by negatively impacting my credit score, which will affect my immediate employment and housing opportunities. I am ready to use this credit card actively and responsibly in order for its full restoration. 

The company called me to let me know that they will not correct this. 

I am seeking rectification of this by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: NV

Complaint narrative:
Made a purchase on XX/XX/2020 in the amount of {$840.00} for goods. As of XX/XX/2020 these goods were never shipped to me and the merchant had not responded to a request for update. On XX/XX/2020 a complaint was made through the creditor. Upon receiving the inquiry from the creditor, the merchant, updated my order status as " Cancel '' ( previously showed " Processing '' ), issued a USPS tracking number as proof of delivery, stated to the creditor that my mailing address was associated with the USPS tracking number confirming delivery on XX/XX/2020. 

USPS tracking information does not reveal the recipient 's name, shipping address and will only provide the zip code and delivery progress by location. USPS tracking does show the package associated with that number was delivered. However it clearly shows the zip code differs from my address and the address the merchant says they mailed to. The creditor wants me to provide proof other than the information from the USPS that the package was not delivered to me. A trip to my local USPS did reveal the package associated with the tracking # provided was addressed to someone else and not my address. However, due to privacy policies, the USPS can not and will not provide any details about the addressee of a package or their address it was delivered to to anyone other than the addressee. 

The creditor 's policy along with the USPS policy creates a perfect hiding zone in plain sight for dishonest and deceptive merchants. The creditor will not enforce a Buyer Protect policy stating the merchant did provide proof of delivery. They will not accept the fact the the zip code being different ( which is information they can verify ) is sufficient evidence to show the package was delivered somewhere other than to me. The US Postal Service disagrees and even escalation to a manager,  they will not provide me the details the creditor is asking for. USPS feels the tracking information is sufficient to directly shows proof of my claim.

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 monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I had a previous account with American Express that was included in bankruptcy in 2014. I, unfortunately, had to file bankruptcy in 2014 because I was awarded 100 % XXXX with the XXXX XXXX. I served my country as a United States XXXX and suffer from XXXX. I have since then got my financial house in order and thought it was appropriate to repay my debt owed to American Express. I would ask that you remove any blocks from my account so that I can reply for another credit card. I applied today and was declined because of my previous account status but was hoping that since I paid my debt, that I would be reconsidered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
During late XXXX, I found that I was being charged a late payment on my card for not paying a balance of {$24.00}. This {$24.00} was for a magazine subscription that was auto-charged to my card. I had not authorized this payment and had also used the Chase freeze card function so was surprised that anything was authorized to this card. I contacted Chase, they labeled the charge as a fraud, and I contacted the magazine company, had the charge removed, and closed the card 's account. I thought the issue was settled until I received a letter from Chase card member services on XX/XX/XXXX, saying that my account was overdue and going to collections. I called Chase and was told that because the charge was reported as fraud and not in the correct category, the charge was re-added to my account. Chase alleges that they tried to contact me by both phone, email, and written documentation ; I however never received any written contact until the letter received on XX/XX/XXXX. The charges by that time added up to XXXX, all fees except for the original {$24.00} bill. In my conversations with Chase I was able to get them to forgive three months of previous fees charged, but they told me that they could not forgive me any further back then that. I have since payed the remaining amount of {$110.00} so as not to adversely effect my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery mailed a collection demand to the XXXX XXXX sheriffs department at XXXX XXXX XXXX XXXX wisconsin which divulged information regarding my debt to the sheriffs department. Portfolio Recovery also discussed my debt also with a third party agency without my authorization, all of this information is in their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good afternoon : I received a promo code in the mail for {$300.00} for opening a Chase Business account. Upon opening the account, the promo code was not added due to a system error. I called the branch manager, and he told me it was added. I tried to confirm with customer service ; and they said the manager was in the wrong that there was no system error or even an attempt on his part to add it. 

I called him back and explained to him that I needed this taken care of and could not come into the branch any longer due to health concerns because of COVID-19. He rudely replied that he had no solution for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CADENCE BANCORPORATION
State: GA

Complaint narrative:
RE : COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX This complaint referenced above has been closed with XXXX  XXXX XXXX stating Cadence Bank must now contact the federal reserve to attempt to locate my missing {$7000.00} payment from the Cadence Savings Account ending in XXXX. I've copied the original complaint below and will attach XXXX XXXX  XXXX 's final complaint response and redacted XXXX Statement. 
I must now respectfully enlist your support in dealing with Cadence Bank as my numerous attempts in person and on the phone dealing with local and regional management has yielded nothing but the continuing accusation that XXXX XXXX XXXX lost my money and that they were responsible for returning it. Please help me ; again. 

Attempted a split payment of my XXXX XXXX  XXXX credit card bill due XX/XX/XXXX. A portion of the balance was taken from business checking and the other from personal savings as it was a large medical bill. Both accounts were debited. Three days later an email arrives stating the {$7000.00} debit from savings had been returned unpaid. After four separate phone calls to XXXX XXXX XXXXXXXX and several to Cadence Bank ( where the saving account resides ) I still have the funds missing from my account yet XXXX XXXX XXXXXXXX says they never received it to refund it. XXXX XXXX XXXXXXXX claims I entered routing/account information wrong on their website yet the money was debited and 2 and a half weeks later has not been returned. Cadence Bank is conducting their own internal investigation. XXXX XXXX  XXXX, whose representative named Justice in digital banking had said the money would be returned to Cadence Bank with 10 business days ( today. ) Today XXXX says the money doesn't exist to return. I must pay the {$7000.00} by XX/XX/XXXX ( the next due date ) but have not interest in paying another {$7000.00} until the first {$7000.00} has been returned to me. I'm extremely displeased with XXXX XXXX XXXXXXXX at this point and find their handing of the entire matter wholly unacceptable. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened up a credit card with Wells Fargo back in 2014 and wasn't able to pay it back due to financial hardships. I just turned XXXX at the time and had a XXXX on the way and was making $ XXXX/hr part time at my job and it wasn't enough to make payments back to the card. I didn't know anything about credit or how it worked back then and now that i am older i see the damage that it has made on my credit report. It is hard to apply for any type of loans now or buy anything due to this negative remark on my credit report.

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 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Tried linking my account to a XXXX stock trading account and wasnt allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I did bill pay online on the XXXX XXXX. I have receive three calls one every day asking for payment. This payment is not a month behind actually two days. I asked to be remove from their list to call my phone. They are more than welcome to send mail but wanting them ti please stop calling my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MD

Complaint narrative:
I've contacted the credit company and the credit bureau about this false debt and they have failed to correct the issue. 

This is going on my 3rd written request asking to provide original documentation about the debt that they claim i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo put my account in forbearance when I didn't request it. After talking to multiple individuals on the phone I was told that if you click the " more info '' button on the site that you will be automatically enrolled without asking. This is fundamentally wrong. There are multiple news articles out now about the same thing. Someone needs to stop this!

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 2020-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Item purchased on a credit was due for full payment in 18 months. However, the full purchase price was paid in six months. Best Buy Credit Cards claims that payment was made too soon in between due dates, therefore late fee is due. I do not believe I owe this company any late fees. They keep Harassing me for late fees. They need to be looked into.

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 monetary relief
Consumer complaint received 2020-07-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX and XXXX. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

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 2020-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
We enrolled into XXXX XXXX XXXX  in XXXX. They told us we did NOT need to make XXXX payments to our credit card companies since they were deducting the amount on XX/XX/20. Now my credit report is showing 30 days past due in XXXX XXXX and XXXX for XXXX missed payment. Had I been properly informed that this would report as late on my credit report I would have made the payment on time. I have never paid anything late and this is very bothersome to me. My account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
Per advertising low interest rate mortgage refinancing, we contacted Quicken Loans through the Rocket Mortgage web site. 

XXXX called us several times, and after sending me an email on XX/XX/XXXX, I replied back. My wife, XXXX, and I have lived at this home since XXXX. 

The refinancing amount was about {$270000.00}. XXXX had us lower the estimated value of our home to {$800000.00} to avoid a home appraisal. Per XXXX and XXXX, our house is estimated at {>= $1,000,000} to {$1.00} and those match recent homes sales in our neighborhood. 

Since this refinance was started, we retrieved a Payoff Letter from our current lender, XXXX XXXX. This triggered them to suggest we also apply for refinancing through XXXX, which we did, and found a lower rate. 

XXXX was notified and he said he could match that rate if we provided our financial documents. This caused us to delay continuing with XXXX as we felt that XXXX was trying to provide a fair offer. 

Because XXXX and I own 90 % of XXXX, XXXX, a " C '' corporation we founded in XXXX, we are considered self-employed, and had to provide not only our personal financial information, but also that of our company. We provide all of this material. 

On XX/XX/XXXX, XXXX said we didn't qualify because of income was not sufficient. 

XXXX has been in business since XXXX. XXXX and XXXX have been employed by XXXX since then. 

XXXX and XXXX XXXX each show a credit score in the XXXX, though it may be the high XXXX since these refinance inquiries have reduced them some. 

In the 30 years we've lived in our home, we have never missed a payment or been late on a payment. All taxes and insurance have always been paid. XXXX and XXXX have no debt outside of the home mortgage. XXXX and XXXX pay off credit card debt every month. 

We believe that XXXX and Rocket Mortgage/Quicken Loans, denied this loan after interfering and slowing our progress with the XXXX XXXX refinance. We believe this is due to bias per our age, as XXXX is XXXX and XXXX is XXXX. They claimed it was related to Covid and insufficient income, yet we've made the same {$12000.00} per month gross for many years. This was a simple refi without any additional cash out, so our costs would drop, not increase. 

We believe they made promises and offers that they were not prepared to make, and used Covid as a reason to suddenly ( our income was always stated clearly up front ) reject the offer they no longer wanted to make. They had to get us a better rate to match the XXXX XXXX offer, and perhaps later showed concern about our age. 

We have {$500000.00} in investments, along with adequate income, no debt, a promising high tech computer software job, both of us have XXXX XXXX XXXX degrees in XXXX XXXX, our our industry is terrific for jobs. And of course the house itself is worth nearly {$1.00} XXXX more than the refi loan amount of {$270000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have contacted the company many times about this inaccurate debt and they have failed to provide original validation of indebtedness. This is defamation of character and i am very disappointed in this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, Capitol One financed a vehicle with 8.4 % interest. On XX/XX/XXXX, I went to a Capitol One location and called for a pay off as of XX/XX/XXXX. On XX/XX/XXXX at XXXX am, an electronic payment was received by Capitol One from my XXXX XXXX XXXX account in the amount of {$12000.00} which is the amount both Capitol One representatives advised is needed to pay the account in full as of XX/XX/XXXX. On XX/XX/XXXX, I called Capitol One to make sure payment received, paid off, and no more fees due. The representative told me payment not received, will post to account 3 -5 days, and will back date to date payment received. The representative also told me to hold so she could find out if any other fees are due then the phone disconnected after a few minutes. I called again on XX/XX/XXXX. The automated system advised I owe {$11.00} and payment posted to account on XX/XX/XXXX ( electronic payment received by Capitol One on XXXX at XXXX am ). I selected the number on the phone to speak to a representative to advise payment received by Capitol One on XXXX not XX/XX/XXXX and to inquire why I owe interest from XX/XX/XXXX - XX/XX/XXXX. However, after holding for a few minutes the phone disconnected. I have all calls ( XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to Capitol One recorded.

Company response to consumer: Closed with explanation