vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I was working on refinancing my mortgage through PennyMac. Mr XXXX XXXX was the loan officer for PennyMac. We agreed on the terms and locked a rate. I received a loan estimate document from XXXX on XX/XX/XXXX that broke down fees and other items. The fees included a " 0.02 % of Loan Amount ( Points ) '' for the amount of {$65.00}. After that I was working with Mr. XXXX XXXX from Penny Mac. This loan estimate stayed the same throughout the refinancing process steps. The loan was approved and a closing time, signing the loan documents through the Title agency, was set to XX/XX/XXXX. 
On XXXX, eight days before closing, I received an email from Mr. XXXX that included the closing disclosure documents for me to review. The document was dated XX/XX/XXXX. I reviewed the document and all loan fees were similar to previous estimates, including the 0.02 % for points. 
The documents to go through and sign, my wife and I, on the closing date on XX/XX/XXXX included over one hundred pages. I was aware that I had 3 working days after closing to bring up any issue with signed documents. So, I was doing my best to review the documents and sign without having to spend a whole day reading the fine prints. After we were done signing the documents, I realized that there was a change in the fee by changing the 0.02 % for points XXXX {$65.00} XXXX to 0.38 % ( {$1200.00} ). I called Mr. XXXX to discuss then followed by an email on XX/XX/XXXX and other emails later, On XX/XX/XXXX, Mr. XXXX replied by an email, basically stating that if I did not like the changes I could opt out of the deal. I felt this not fair and not legal to introduce a change at the last minute and the only option for me was to opt out with no guarantee that I would be able to lock a good rate. I did not do anything wrong, PennyMac did. I did not cancel thinking that somebody at PennyMac will for sure address my issue. Since then I sent several emails to Mr. XXXX and one final email and several phone calls to Mr XXXX, but I got no positive response and I was left feeling robbed and helpless. 
I heard about your agency and I am reaching out to you to help me get my issue addressed. 
Thank you for existing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular of Puerto Rico offered consumers a mortgage moratorium due to Covid19. The initial written offer was a 3-month payment moratorium, to be paid at the end of the mortgage. After us accepting the 3-month moratorium, Banco Popular sent a written confirmation letter acknowledging the mutual agreement. A month later they sent another letter extending the period to a 6 months moratorium. We reiterated that we wanted to stick to the 3 months already agreed on. A month later Banco Popular called us to say that to qualify for the moratorium, had to be at least 4 payments sent to the moratorium, we again stated we wanted to stick to the 3-month agreement, but we were advised not to pay the mortgage for the 4 months required to qualify. Last month they sent a new letter demanding payment for the 4 months that were supposed to be part of the agreement. 

We scanned and sent them the official letters they had sent on accepting the moratorium. Today we tried to process the XXXX payment as instructed and they refused to post it to the mortgage account. Somebody has to make Banco Popular responsible to honor their written offers. We did not ask Banco Popular for a payment moratorium, they offered it and accept it in writing. This situation is causing us distress and mental anguish as the only thing we did was to follow instructions on their offer. Can you help? According to other Banco Popular employees, there are hundreds of consumers going through the same ordeal. 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 2020-11-13 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: FL

Complaint narrative:
THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT HAVE ANY CONNECTION WITH ANY TRANSACTIONS THAT I HAVE MADE. MY CREDIT FILE HAS BEEN DAMAGED AND I NEED HELP WITH GETTING IT BACK TO IT'S NORMAL STATE. I AM NOT RESPONSIBLE FOR NONE OF THE DEROGATORY ACCOUNTS AND INQUIRIES SO I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT IN A TIMELY MANNER.

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 2020-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint because XXXX, Capital One, XXXX XXXX XXXX, and XXXXXXXX XXXX/XXXX/XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: World Acceptance Corporation
State: TX

Complaint narrative:
I am filing this complaint because XXXX, XXXX XXXX, World Finance Co, and XXXX XXXX/XXXX/XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenitycapital/XXXX inquiry on my XXXX Report was not initiated by me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After BeforeClose XXXX/XXXX/XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open. {$65.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$660.00} Credit Limit {$780.00} Highest Balance NA Terms {$720.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Additional Information XXXX/XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX this account was accidently disputed plz do not remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: NC

Complaint narrative:
This debt was occured on or about XX/XX/XXXX of 2018 and the original creditor never billed my XXXX insurance then tried to go over without billing my XXXX XXXX  first and sent the balance to me when my insurance information was furnished upon to begin with at time of service. Now years later they submitted my account to professional finance company in Colorado which refuses to check the validity of the debt which is invalid because I have a better business bureau complaint open where the original creditor themselves wrote that as it is too late to bill insurance the account ilhas been recalled from collections and written off as it was not my fault. When I contacted professional finance company countless times between 5-10 with detailed voice mails they said they are unable to contact their client to review the validity of the account this has brought my credit score down and it is not a debt I owe and never owe because of their deviant billing practices this needs to be reversed as soon as possible and they are refusing to do so when I clearly have it in writting and all the proof has been submitted. The original creditor was XXXX XXXX XXXX also in Colorado

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi advertised a {$400.00} promotion offer for opening a checking and savings account with their branch if conditions were met. 

I received a confirmation that I enrolled in the offer on XX/XX/2020. ( See attachment 'Exhibit A ' ) The terms for the {$400.00} checking offer were : 1. Deposit {$15000.00} or more into the new Citi account ( s ) within 30 days 2. Maintain a minimum balance of {$15000.00} for 60 consecutive days.

The bonus should appear within 90 calendar days from the date conditions were met. I double checked the Terms and Conditions to confirm I was not disqualified for anything else. ( see 'Exhibit B ' ) I completed the {$15000.00} deposit on XX/XX/2020 and received a confirmation of this from Citi XXXX see 'Exhibit C ). I then kept the minimum balance required to this date. 

I made a call on XX/XX/2020 to Citi. The rep told me all requirements were completed as of XX/XX/2020 per their internal records. He said I should expect the bonus by XX/XX/XXXX. 

I called again on XX/XX/2020. The agent XXXX XXXX XXXX again confirmed I had met all the requirements and he wasn't sure why the bonus wasn't being paid out. This agent said a possibility was not filling out a W-9 form when I opened the account, but this is a request for an ITIN/SSN from the government. This doesn't make sense as I opened the account in the US with my SSN. 

XXXX XXXX + 60 days + 90 days is XXXX XXXX. The bonus should have been paid out by this date but it is clear there is a mix-up at Citi and no I talk to knows why.

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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank Na., Best Buy listed on my credit bureaus as a hard inquiry. Was not initiated by me

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 2020-11-13 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: TX

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. 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 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Hard Inquiry by Ally Financial listed on my credit bureau reports that I dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received serval responses to the disputes Ive made under FCRA 611 ( a ) regarding the information on my credit report XXXX an alleged Bankruptcy chapter XXXX account unverified information ). I was furious to learn that they obtained unverified information from XXXX and elected to leave the disputed item on my credit report as accurate. I was very interested to know how their investigator ( s ) arrived at this erroneous conclusion that the information the company XXXX XXXX XXXX reported to the credit bureau is accurate. I requested a complete list of all documents and correspondence between them and XXXX, verifying the disputed information. I specified that they included all names and contact information of employees that they spoke to as part of the investigations. XXXX is not listed on my credit report as a creditor and I have no affiliation with them. The US Bankruptcy Court of NC XXXX is the creditor listed for reporting the alleged Bankruptcy chapter XXXX account unverified information. But the credit bureaus said they verified the information with XXXX and not with the US Bankruptcy Court of NC XXXX so there is no valid basis for claiming the alleged Bankruptcy chapter XXXX account information on my credit report is true. 

Due to my frustration, I reached out to the court listed on my credit report US Bankruptcy Court NC XXXX, to dispute the alleged Bankruptcy chapter XXXX information reporting and was advised that they have no affiliation or communication with any credit bureaus relating to bankruptcies. My repeated disputes were they said the verify the accuracy of the information being reported was a lie and they ignored all my requests, which is another violation of Federal Law and evidence so they willfully disregard the law. I advised them that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. and I request that they do this immediately.

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 2020-11-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Today I logged into my Experian account and saw that again three accounts were more inaccurate than when I first disputed them as now they are calling 4 years old closed accounts CURRENT so that I have multiple Late payments on my report for open accounts WHICH IS NOT CORRECT! I called on XXXX. XXXX a spent 2.5 Hours On the phone with XXXX who stated he was removing THESE FRAUDULENT LATE PAYMENTS. He was so nice and stated I was correct and no late payments could show on closed accounts that I told his boss he did a great job. YET HE LIED NOTHING WAS CORRECTED! IT SEEMSTHIS IS PUNISHMENT FOR DISPUTING INCORRECT INFO ON MY REPORT! The accounts are : : XXXX, XXXX, and XXXX - these accounts should be removed months ago when I first disputed them for being false. They were never verified as EXPERIAN CLAIMED BECAUSE THE DATE IS YEARS AGO FOR UPDATE! Also unverifiable due to missing basic info like a BALANCE OR DOLA!! Yet, these accounts which at least showed closed NOW SHOW CURRENT WHICH IS A LIE AND GIVES ME FRAUDULENT LATE PAYMENTS WHICH DAMAGES MY SCORE!!!

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 2020-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Good evening XX/XX/XXXX I tried to reach out to Santander about the lawsuit that's going on with the company because I think I should be part of Loan Forgiveness and Car Title because I have Defaulted on the loan but the vehicle was not repossessed I couldn't get any help from the person on the phone they were very rude because I would not give them my address to collect a debt. 

SANTANDER CONSUMER USA Date opened XX/XX/XXXX Status Charge-off XX/XX/XXXX Past due amount {$21000.00} Original loan amount {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I leased a vehicle through JP Morgan chase Bank NA in Illinois state. 
Use tax is included into monthly payments ( 7 % ). 
I moved to WA state where the use tax is 10 %. 
Chase bank, instead of calculating the tax difference ( 3 % ), just applied additional 10 % on top of monthly payment. As a result I am paying 18 % of use tax instead of 10 %. 
The bank denies the error in calculations and refuses to cooperate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good Day, On XX/XX/XXXX I used my Chase Rewards points to purchase three 1-Day, XXXX Weekday Tickets with All-Day Dining includes Food and Drinks. The date for the experience was indicated as XX/XX/XXXX. The total cost for these tickets was {$240.00} from which I used XXXX points equating {$160.00}. I used my Chase credit card to pay the difference of {$72.00}. The itinerary number for this transaction is XXXX. 

Since this transaction, I have been unable to view, print, redeem the voucher associated with the actual ticket. I noticed that on my Chase Ultimate Rewards profile under " My Trips '' the reservation appears under a tab for " Past and Cancellations '' instead of " Upcoming '' and the date for this reservation is XX/XX/XXXX which is astronomically incorrect. As a result, I contacted Chase Rewards Program shortly after the purchase but was told to contact XXXX. On XX/XX/XXXX at approximately XXXX XXXX  EST I contacted XXXX but their agent was unable to assist since I did not have a ticket number and the itinerary number used by Chase was insufficient. On XX/XX/XXXX at approximately XXXX EST, I contacted Chase Rewards via instant messenger and was ultimately told that there was a system glitch with processing the voucher and to call back later. I called Chase Rewards Customer Support at approximately XXXX EST and spoke to a representative who contacted XXXX XXXX who could not confirm a voucher as a ticket number was needed and not just a Chase internal itinerary number. This representative said that I would have repurchase the tickets and attempt to be reimbursed at a later date if possible. I declined this and asked to speak to a supervisor to which I was transferred. The Supervisor then tried to contact XXXX, despite my explaining that such futile attempts were made by myself and the representative prior. The Supervisor was on hold for over thirty minutes before our conversation was cut off.

All three of the Chase Support Staff agreed that their was an apparent glitch in their system as it pertained to the processing of the voucher/ticket for theme park. Today is XX/XX/XXXX and my family and I are traveling to XXXX in three ( 3 ) days expecting to go to XXXX and despite my paying for the theme park tickets over three ( 3 ) weeks ago the tickets have yet to be made available to me. 

I received an email confirming the transaction was executed. The points were deducted from my account and my credit card was in deed charged the difference. Thus, payment was rendered however I never received the actual voucher for the theme park. 

Unless a voucher can be provided within the next three ( 3 ) days I am requesting a full refund of the full ticket price of {$240.00}. 

Thank you in advance for your assistance. 

Best Regards, XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please put this account back on, these were accidentally deleted. 
XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After Before Close XXXX XXXX XXXX Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed/Never late. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$300.00} Credit Limit {$370.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated - - Recent Payment Amount PAYMENT HISTORY 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