vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I applied to refinace with my current lender, Pennymac Loan services on XX/XX/XXXX. After a simple process my loan was locked around XX/XX/XXXX. Since XX/XX/XXXX I have been stuck in a constant game with Pennymac with little to no response. First they said I was in a flood zone, I proved I wasn't in a flood zone and solved the issue. In XXXX they told me no documents were remaining and I'd have a closing date within a few business days. I was unable to reach anyone at Pennymac for over 6 weeks after this communication. Only when I threatened legal action did I get a return call when they brought up the flood issue again. I solved the flood issue again. They assured me no other documents were needed and I would soon close within days. They asked me for ANOTHER hard credit pull because my previous one expired and I allowed it with the caveat that they would expedite my loan closing. Soonafter, they made up an issue that my home insurance needed to be for the full amount of my mortgage instead of the structure replacement cost in conflict with Dodd-Frank legislation. This further delayed the loan. I demanded to rescind my application and they once again made promises a closing date would be issued in the next 3 business days. No closing date arrived and my credit window is closing yet again to discuss this with other lenders. 
Pennymac has operated with malice and bad faith to lie about issues with my refinancing and I believe they had no intent to ever close the refi, they simply wanted to " run out the clock '' on my credit window so I wouldn't go with other lenders. I will be seeking legal action if they do not honor their communication to close. I have emails and phone recordings to prove all of these statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank is continuing to report a late in XX/XX/2014, this account has never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Asked them to contact me by email and not repeatedly calling interrupting calls for assistance with Health and Human Services for community services and when I need to speak with the doctor. They use different numbers and I have tried to block them. I can not make any phone calls without them interrupting the phone call by getting on the line while I am talking to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The card was blocked right after activation. I have provided my state driver 's license - front and back, a valid scan of my social security card, a boarding agreement at my residential address, a recent court document showing my address, and scanned the letter that Capital One sent to me and they still refuse to unblock the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: WA

Complaint narrative:
I received a US Bank ReliaCard as a part of the Ohio Unemployment Insurance Program. I am not an Ohio resident, nor did I request this card. I am not unemployed, either. I've tried to contact ReliaCard and when I call the line I can not get through unless I provide my DOB and full SSN, which I am not comfortable doing. I have not activated the card, however, I do not know how to dissolve the account.

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 2020-09-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NJ

Complaint narrative:
My Eppicard, daughters child support, number was stolen without my knowledge AGAIN!! The cards were in my wallet both time. This time I was told that I am unable to get my money back. However I did some digging and actually found the name of the guy who took it! This is happening to so many people that is ridiculous. If you read this website you can read what they are doing to people. https : //www.eppicardhelp.com/eppicard-customer-service-live-person/ That is just a little bit of what we go through just to get child support. I will attach prove and what they told me as a response to me. I feel there is an inside job at Eppicard giving out numbers of vulnerable consumers. 
On XX/XX/2020 my card was used at XXXX XXXX XXXX for {$540.00}. On XX/XX/2020 {$27.00} was used to purchase at XXXX XXXX XXXX XXXX. And finally on XX/XX/2020 for {$100.00}, XX/XX/2020 for {$140.00} and on XX/XX/2020 for {$400.00} was used at XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This Complaint is in regards to a boat and trailer loan that began in XXXX. 

This loan was on auto payments for about 10 years. On XX/XX/XXXX, I received what I thought was my final statement via email. It showed a balance due of {$280.00}. Around the same time I received a call from Bank of America, they left a message. On XX/XX/XXXX, I returned the call, it was to their collections team. The gentleman told me that he didn't know why i received the call, the loan was not past due, and the final payment was scheduled for automatic withdrawal from my checking account as has happened for the previous decade. 

on XXXX XXXX, XXXX I received another statment from BOA via email. This Statement showed an " Amount Due of {$3300.00}. This email was opened on XX/XX/XXXX. 

On XX/XX/XXXX. I checked my banking acount to verify that the {$280.00} was indeed taken. Only {$260.00} was, this was the standard payment. I immediatley schedule a payment to pay the difference, and Called BOA to clarify the balance. 

I was unable to get an answer from the agent, and was also unable to speak with a manager. I was told a manager would call back.

A few Days later I received a call from the manager stating every payment was paid late and the charges would not be reversed. 

He forwarded me a statement of my account showing all of these charges. 

Shortly thereafter I received a notification from XXXX XXXX that my credit rating had dropped. Upon investigation I found that BOA changed the reporting from 100 % payments on time to 41 %. 

It is absurd that BOA whom is responsible for drafting the money from my account monthly, can intentionally do so late every month, then hide those late charges until the loan has been paid in full. In prior years, I paid more monthly than was required. I'm certain that I've already overpaid hundreds of dollars as those payments went to late charges that I didn't know existed, and not to lower the principle which they were intended.

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 2020-09-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

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 2020-09-16 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: TX

Complaint narrative:
XXXX XXXX  is continuing to report a late in XX/XX/2014, this account has never been late.

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 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Received a notice of commencement of action against me today XX/XX/XXXX this is the first I have heard from them. The case is from XXXX XXXX XXXX XXXX XXXX and the firm name is Forster & Garbus , LLp apparently they bought the debt from XXXX back on XX/XX/XXXX and now they are trying to take me to court. Is their anything that you can do for me .The amount is for {$2300.00} and was dated XX/XX/XXXX and today is XX/XX/XXXX and I'm just receiving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Tally Technologies
State: MD

Complaint narrative:
Tally obtained my credit information through false advertising and I unknowingly entered into a predatory lending loan. 

I signed up for a congruent balance transfer line of credit, not a loan. 

Also initially Tally was not reporting on my credit when I joined. 

I was under the impression my balance with Tally was XXXX XX/XX/XXXX and I was blindsided with a near {$5000.00} balance. 

In 2020 Tally began to report on my credit due to a California ordinance. 

I am requesting Tally to remove its reporting from my credit file as I never authorized the reporting to my credit file. 

I was not forwarned nor received an email or letter about the change. 

XX/XX/2020 ; I informed Tally, my company is purchasing an {$8.00} XXXX dollar commercial building for my company headquarters in which Stellar credit is required. 

A Tally balance is reporting on my credit as of XX/XX/2020 I need it removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting a WRONGFUL COLLECTION ON MY CREDIT REPORT. Act # XXXX date of default was in XX/XX/XXXX and in accordance with FCRA collector does NOT have the right to report after 7 years from the date of default .... After contacted XXXX on numerous occasions they ignored my requests and now agressively attempting to collect debt I don't owe in first place ... Representative stated 7 years would be up on XX/XX/XXXX which is a lie, they reported exp date to Exp as XX/XX/XXXX which is also a lie and XX/XX/XXXX to XXXX also a lie ... After speaking with operations manager AGAIN requesting removal of this account that does NOT belong to me ( last name on the account is XXXX ) my last name is XXXX, he asked for my ss # and stated he would ADD it to the account which is NOT what I asked for and this should NOT be legal to do ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/2020, I received an alert from XXXX  that I.C. Systems Inc reported a XXXX account. They never sent me anything in writing to allow me to receive proof of debt owed or to dispute it.

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 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WY

Complaint narrative:
I have opened an account just one week at the HSBC bank, I sold a vehicle and deposited the amount in the new account, 3 hours after receiving the amount they simply canceled the account, did not explain a reason and simply did not give me any dates about the return of my money. I was counting on the amount to pay my debts and now I was in a horrible situation. 
I have calling for branch, the customer service and anyone give me any info about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I had a small business loan deposited into my checking account at Capital One 360. I have been a member with a XXXX account and credit cards for more then 3 years. I transferred funds into a XXXX account that I control and suddenly my account is flagged for XXXX. I was told that sole proprietors do not need a business account for XXXX loans. After the funds were placed on hold I received no phone calls, mail or emails from Capital One 360. When I call in myself Im told its under investigation and I just have to wait, its been over 35 days. I have called in multiple times to fraud and no one gives me a straight answer. I cant find any information about how to get my money released. I called XXXX and was told they can not recall a loan, that it has to be sent back even though the XXXX department insisted on it. I am going to loss my business, I havent paid my rent, my electric or anything for months because I had to wait 5 months before they distributed anything. I attempted to open a business bank account only to find out I was denied and they closed my credit cards for no reason. Please tell me whats going? How are banks allowed to hold money sent from the government. Can someone please help me before I lose my home and my businesss? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I charged a deposit on a cruise for {$1000.00} on XX/XX/2020, and charged the balance of {$8500.00} on XX/XX/2020 for XXXX XXXX. 

XXXX advised me that if paid the balance due they would refund my money if the cruise was cancelled. 

On XX/XX/2020, XXXX cancelled my cruise. I requested a refund and disputed the charges because the " terms and conditions '' stated that I was due a full refund if the cruise line cancelled. 

During the dispute process, XXXX untruthfully said that I had cancelled the cruise with a 100 % penalty, when in fact XXXX cancelled the cruise and at this point has cancelled all of their cruises. XXXX  cancellation was made in writing and I provided American Express a copy of the email that XXXX sent me showing AmEx that XXXX had cancelled. I also provided a copy of the terms and conditions showing that I was due a full refund. 

I received no value for my {$9500.00} ( {$1000.00} plus {$8500.00} ). 

XXXX has indicated in voice call, but not in writing, that they owe me the refund " but are behind in processing refunds ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 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: Home Point Financial Corporation
State: WI

Complaint narrative:
On XX/XX/2020 I called Home Point Financial 's office in regards to options for people who had experienced hardship due to XXXX. There was an automated message and prompts to apply for a forbearance. After following the prompts and completing my request for forbearance I was advised that there was no further action needed and that I would be receiving paperwork in the mail. The information given through the prompts put me under the impression that the forbearance would go into place effective immediately meaning XXXX. I never received the requested forbearance information in the mail. I was very surprised when a late payment was reported to credit and our credit scores plummeted XXXX points. Again the call tree message did not state that a forbearance did not start until XXXX. Once I saw that my XXXX XXXX dropped I immediately called on XX/XX/XXXX, made the XXXX payment and inquired on how I could get this late payment off of my credit report. The person I spoke to had no record of me calling on XX/XX/XXXX. 

I sent an email to request this be taken off of my credit report on XX/XX/XXXX to XXXX and followed up with more emails and phone calls. I got a response on XX/XX/XXXX stating " You say you inquired about going on a Forbearance on XX/XX/2020 through our automated system and you assumed the payment for XXXX would take into effect. It was the near the last of the month and unfortunately it could not include the month of XXXX because it was the end of the month. You will need to open contact the XXXX credit bureaus, they will then do an investigation regarding this issue and will contact you with their results. We are sorry for any misunderstanding this may have caused you. '' I disputed this with the credit agencies and it has not been removed. I had not had any late payments with this mortgage for 2 years prior. Based upon that fact the phone prompts were misleading this negative report should be removed from my credit report because it is Home Point Financial 's responsibility to provide correct information so that customers can correspondingly make correct decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: NY

Complaint narrative:
I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Chase XXXX XXXX XXXX XXXX. 
I have had since XXXX had {$14000.00} limit with 0 notice reduce my limit to {$10000.00} found out while at a register. Balance at the time was {$9900.00} 0 late payments 0 missed payments Up till this summer 0 interested paid to the company because i paid it off every month with an average of {$5500.00} a month since XXXX. We used it for a trip to the grand canyon. 
Still have the same job since XXXX with increase in pay each year. Same job field since XXXX with increase in pay each company transfer. XXXX XXXX is over XXXX. 

When i called i basicly got told nothing other than my balance was high. Which the closest it got was {$11000.00} still {$3000.00} under. Also i was mailed the letter as of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY

Complaint narrative:
I am being harassed by a debt collection company as a result of incompetence on the part of the XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX finance, insurance, and customer service departments. The agency they have sent to harass me is Balanced Healthcare Receivables LLC. I am constantly receiving phone calls and voicemails from their number XXXX. This is happening despite the fact that this debt was paid by my health insurance 2 years ago! I have the documentation from my insurance company ( MVP/Cigna ) proving exactly this and have stated this to both parties on numerous occasions. I have also made numerous requests for them to stop contacting me because this has reached a level of incompetence and harassment and that I can not tolerate, because I have already tried to clarify with both parties more than once that the debt had already been paid. XXXX years ago.

Company response to consumer: Closed with explanation