vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Loan # XXXX I am filing a second complaint because my issue was not addressed on the first issue that was submitted. I did not ask the company to reinstate the mortgage that was paid off. However, PennyMac should not report the account as closed. The loan was paid off in full and should be reported as such. The payoff of the loan should not negatively impact my credit score. I do not want the loan to reinstated, an account can be paid off and not reported as closed which is the reason why my credit score was impacted. I contacted the credit agencies and I was told the Penny Mac reported the account as closed. My mortgage was originally taken from XXXX and after it was fully paid the account showed a XXXX  balance but was not closed. The PennyMac account shows a closed status because that is what was requested by PennyMac. The company ( that is penny Mac ) needs to properly report the details that were sent to the credit agencies in order to rectify this issue. If it was not reported as closed, I need the information that was sent to the credit agencies in order to address this issue with them. I am asking the company to properly report the loan payoff as paid off and not request the account to be closed. While PennyMac does not have a prepayment penalty, they are intentionally reporting incorrect data to the credit bureau in order to discourage their customers from paying off their loans early. This is not fair and should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XX/XX/2020, I had initiated a dispute of alledged debt collection for the amount of {$1900.00} out of which they were willing to settle for {$950.00}. In that letter, I cited the collection agency 's obvious violations of FCRA and FDCPA which requires to provide me with " validation '' that is competent evidence bearing my signature, showing that I have { or ever had } some contractual obligation to pay such claim. 
XX/XX/2020, the Collection Agency sent to me a nine page print out of bill statement, claiming that was their only bases for the verification and validation of the alleged debt. 
XX/XX/2020, I responded to their letter and yet calling the company out on another violation : FTC opinion letter from Attorney XXXX. XXXX XXXX, which contends that a printout of a bill or itemized document does not constitute verification. And they again failed to provide me " verified '' proof bearing my signature. 
I am filling this complaint with hope that The CFPB will intervene in this matter in reaching a quick resolve. 
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 2020-10-06 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/20 I called in to discuss the debt. I have been under a lot of duress given that I am going through a divorce currently. I did not want to share that with them and just asked what I could do to resolve the debt via a settlement. I am stating I personally owed it or that the debt is valid, but given everything going on in my life, I just wanted to settle it and be done with it. 

I asked XXXX XXXX to see about what they were willing to settle for given my current state of mind. They disclosed the debt to him prior to him verifying and gave the mini miranda afterwards as well. They makes me very uncomfortable as that means anyone could call in. Secondly they gave me a very high offer and stated if I wanted it lower I had to give out detrimental information to myself. They refused to tell me the date the account charged off which now makes me wonder if this was out of statue. Very deceptive practices. In addition XXXX XXXX, atty rep, XXXX XXXX supervisor, and atty XXXX XXXX - stated that Citibank policy states that we must acknowledge that I would stay on the line in order for the conversation to continue. They would not move forward unless I acknowledge that. 
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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS SEVERAL TIMES. THESE ARE NOT MY ACCOUNTS. THEY ARE FRAUDULENT ACCOUNTS. HOW IN THE ENTIRE XXXX DO I KEEP GETTING ACCUSED OF USING A CREDIT REPAIR COMPANY? THIS IS CAUSING MAJOR STRAIN ON ME AND MY FAMILY. THIS IS ALSO CAUSING ME MENTAL ANGUISH AND XXXX. I FEEL AS IF I AM BEING VICTIMIZED ALL OVER AGAIN. THESE COMPANIES SHOULD NOT BE ALLOWING PEOPLE TO COME INTO THEIR BUSINESS AND OPEN FRAUDULENT ACCOUNTS. THEN THE CREDIT BUREAUS IRRESPONSIBLY REPORT THEM ON MY XXXX CREDIT. XXXX  AND XXXX  REMOVED THESE FRAUDULENT ACCOUNTS. XXXX  REFUSE TO TAKE THESE FRAUDULENT ACCOUNTS OFF MY CREDIT. MY NEXT STEP IS TO CONTACT THE ATTORNEY GENERAL. I WILL BE BRINGING A LAWSUIT AGAINST XXXX, XXXX XXXX  XXXX, AND 1ST FRANKLIN. ALL THESE COMPANIES ARE SCAM. THEY FRAUDULENTLY LET PEOPLE OPEN CREDIT ACCOUNTS IN MY NAME.

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 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I opened a Pay Pal account and had my relia card changed to Pay Pal from my unemployment benefits. I never used the card and when my benefits loaded on to Pay pals card, they licked my account and closed it keeping my monies.Ive exhausted my means in trying to speak with a customer representative to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
The card is a XXXX XXXX rebate card through Bank of America. There was {$40.00} remaining on the card when it expired in XXXX 2020. I contacted the company to request a replacement and was told there is no balance remaining on the card after expiration and that they could not issue another card ( there exact response to my email is pasted below ). I feel that this is not right and that they basically stole {$40.00} of my money. Please help me to get my money back. Thanks! 


response from Bank of America XXXX : Our apologies we are unable to assist. Once this card type expires, as described in the cardholder agreement and all of the information in the card package, there is no value after expiration. We can not issue another card since there is no balance and the account is closed. 



Thank you, Bank of America Customer Service

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 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I pulled my credit report and notice several fraudulent accounts. I have provided a copy of my ID.

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 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been a loyal customer of Bank of America for almost 10 years. Bank of America closed my business  checking account on XX/XX/2020. The reason given was for a business decision. I had roughly {$84000.00} in that account. Bank of America is illegally holding my money and stated that it will not be returned in a letter I received on XX/XX/2020. 

The funds that they are holding were dispersed to me from the Small Business Administration ( SBA ). I received a loan from the SBA that I must repay. By Bank of America not returning my funds to me, I can not run my XXXX. I have no cash flow. If I can not run my XXXX, I will not have money to repay my loan. I am extremely concerned why Bank of America closed my account, but I am more concerned that they are refusing to return my funds to me. This seems illegal and I request that these funds be returned to me immediately. I will gladly find another institution to bank with, but Bank of America has stolen my money and they need to return 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 monetary relief
Consumer complaint received 2020-10-06 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: Premium Credit Bureau
State: MS

Complaint narrative:
An unauthorized inquiry from XX/XX/2020 is appearing on my credit report and this company refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I applied for a refinance loan on my home for {$110000.00} with AmeriSave Mortgage at 3 % interest. This would lower my mortgage payment from {$670.00} per month to {$480.00} per month. My home valuation is approximately {$550000.00} so my equity is approximately {$430000.00}. 

I paid their {$500.00} application fee and submitted the following information : 1. Social Security income of {$20000.00} per year 2. Savings of {$280000.00} in two accounts at XXXX 3. Tax documents for XXXX and XXXX that showed additional income of {$18000.00} and {$19000.00} respectively. 
4. A credit score of XXXX. 

I have paid my mortgage every month for twenty years without exception and have no other long-term or short-term debt. 

AmeriSave denied my application for " Excessive obligations in relation to income. '' I have asked for contact information for XXXX XXXX, the CEO and owner, but my loan originator as instead requested that a manager call me back. They have not called me. 

Today, I read an article that showed the CFPB charged AmeriSave and XXXX XXXX {$19.00} XXXX dollars in XXXX for an illegal " Bait and Switch '' scheme in XXXX that appears to be exactly what has happened with regard to my loan application.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
On Thursday, XX/XX/2020, I received a phone call from a collections agency called Wakefield and Associates advising that a medical bill totaling {$270.00} had been sent to collections on my behalf. This was the first instance I had heard of any debt or anything related to medical bills. They did not have the correct address on file and the one they stated was two years old. I asked who the company was and they advised " XXXX XXXX XXXX '' from XXXX XXXX, TN. I had not had any services performed with them nor did i ever receive any bills from them. I attempted to call their phone number ( XXXX ) and it is an automated message regarding old and new medical bills. No one has returned my calls after left messages. More importantly, I never received a letter or any other information before hand regarding a bill or collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CORELOGIC INC
State: NC

Complaint narrative:
The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. Corelogic is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX  XXXX  or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX  corelogic, false statements made on behalf of corelogic and fake letters they said they sent.

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 2020-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
The loan dept at tcf Bank does not answer the phone. I have tried XXXX to 7 times in the past month with hold times being a minimum of 2 hrs and the longest being 4 hrs at which I eventually hang up because no one will answer the phone. I tried calling the regular tcf bank customer service and after a wait time of 45 minutes someone answered the phone but said could not help me with loan services. I made a {$110000.00} online payment with a balance of {$110000.00}. I got a statement today that tcf bank is continuing to charge me interest at a higher rate.I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One is showing as my account as past due in previous months and that needs to be updated to no late payments. I wasn't aware of the balance during an issue with my card and XXXX  reporting it as fraud. It took months to get that rectified. I never got a bill, nor could I login into my account online to look at it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage in a letter/statement to your organization attached stated that the late payment ding was going to be removed from my credit report and as of today my credit report still reflects the lateness ding, hurting my credit score. 

I also appealed the lateness with XXXX  and an came back stating the lateness was still on my record even after Freedom said it would be removed after XX/XX/2020.

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 2020-10-06 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: AK

Complaint narrative:
I had a Capital One card for years and I asked them to take off the monthly fee that I had been paying for years and they refused so I paid the entire amount of {$1400.00} off on XX/XX/2020 and closed the account. Now they are saying that I owe another {$18.00} for interest even though I paid the entire amount due. I called Capital One and spoke with two people, one told me here was XXXX, and I can't remember the first ones name, but XXXX went into a long reason why I was still paying interest. I told her that with this system I would be paying interest forever and I don't think it is legal and if it is, it shouldn't be. When something is paid in full that should be it!!!!!. Please explain to me how and why they can do this. Please publish this because I am sure the consumer is not aware that they are being charged interest even though they don't owe anything anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06 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: ID

Complaint narrative:
Experian is reporting two different collections on my account. I have proven that this is only one account and should be reported as such. It took two days for them to decide that this was two different accounts. The accounts even have the same name and the same amount due on each one. XXXX  actually investigated this issue and removed the entire account from my report so that I have no collection. I submitted the same evidence to them as I did Experian. When they investigated the first collection company, it took less than two days. How is a proper investigation supposed to be done in less than 2 days? XXXX  at least took a week and a half.. 
I am also wondering how a legally settled account can report 7 charge offs on the same account? 
There is also conflicting information on this report saying that my debt to income ratio is 8 % yet I have 100 % credit usage. Your suggestion to me is to open a new credit card account. Why are they suggesting a new credit card account if I am at 100 % credit usage? Also telling me that creditors look at me as risky yet they want me to open more accounts saying it would be better.

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 2020-10-06 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: Self Financial Inc.
State: GA

Complaint narrative:
In XX/XX/2020 I decided to end my business with Self lender inc due to the pandemic. I requested a refund of deposit money which should have been XXXX instead self payed out only XXXX in total. The following month they took XXXX from my account which I had to get my bank to do a stop payment that cost me XXXX dollars. I contact the company about the matter and they assured me the account was indeed closed and it wouldnt happen again and my money would be on the way. Well we are now in XXXX and no money has reached me and no one from the company has tried to help solve this problem and return my money which my family could use right now due to my husband being unemployed because of the pandemic. This company also continues to report the card as opened and over the credit limit which is ruining my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: SC

Complaint narrative:
I was paying a company called XXXX for a hospital debt. I had a balance remaining on the account of {$530.00}. I sent a payment through online banking on XX/XX/2020, XXXX received the ACH payment and withdrew the funds on XXXX XXXX. 
Unknown to me XXXX  sold/merged with a company called RMP services. On XX/XX/2020 I received a letter stating I had an outstanding balance of {$530.00}. I contacted the phone number for XXXX  that I had for over a year, this number directed me to RMP services. RMP services states they never got a payment and there is no record of me paying. I went to my bank which gave me all the information showing when the payment was made and withdrawn from my account. 
RMP services is sticking to saying they dont have record of payment even though I have sent them all my banking info with proof where the payment was made. This company has now stolen my money and wants more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My vehicle was total loss in XXXX. My Insurance paid out the vehicle to the finance company but still had an amount owed which the gap insurance I purchased from them should have covered. The gap insurance did not want to cover the rest of the amount which was about {$800.00}. XXXX My GAP contract has been cancelled without my authorization ) I was advised in the contract it states that we're interest not covered by gap insurance which was not disclosed to me at the time of purchase or when I filed the claim. I reviewed my gap insurance contract and I do not see that statement on there. I have called the finance company multiple times and no one can give me an answer on a why it's not covering if it doesn't state it on the contract they tell me to call different phone numbers which refer me back to the same line and no one can give me answers. I have also sent out a message through my inbox on my account and no one has responded and that been over a month when it states they would get back to me within 2 days. They are damaging my credit Now by saying my payments are late and reporting that to the credit bureau meanwhile they can not answer any of my questions.

Company response to consumer: Closed with explanation