vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021, I applied for a Care Credit Loan online. After submitting the information online, the screen said that more information was needed. The next day, I tried to continue the application and through an app and I was made to show my ID and take a photo of myself. After that, the credit was denied. When I called Care Credit, they referred my Synchrony, the main lender. I was told that no representative could give me information about why my account was denied and I would get something in the mail. As of XX/XX/XXXX, I haven't received anything in the mail. I did get an email saying it had my Synchrony credit results. When I put in my information, the page said there were no results for my inquiry and there was no contact information to follow up with the email. When I called Synchrony again to inquire about the denial and the lack of information in the email, no one would help me or give me any information. I believe they are violating the Trust In Lending Act by not giving timely results of my credit score. In addition, I have a Synchrony account with an Old Navy Credit card and my account is in excellent standing. That account was acquired when I made less money and had a lower FICO score but I wasn't required to show ID or give a photo. Asking for a picture of my ID and of myself then being denied feels discriminatory because I have good credit and a steady income. I would like this issue to be investigated to see if Synchrony violated TILA and/or if I was discriminated against because of my race.

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 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get a proper feedback from them for days and I just discovered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I use PayPal to receive the salary for my job writing produce descriptions for household items. PayPal is the only payment method available. The email linked to my PayPal is " XXXX '' I have received two payments on this account both amounting to {$500.00} and exactly equal to the total amount indicated in the file I've attached from my source XXXX my work dashboard ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Asset acceptance filed a judgement lien on credit card debt that is about 25 years old and I havent paid on it for as long. They used for {$26000.00}. I cant remember the origional debt but it must have been 1/4 that amount. They dont notify about court cases and I dont see how they can try to collect on an ancient debt. They've already intercepted federal tax refunds when the debt was so old. They know most people can hire an attorney to fight these issues. They must have lied to the judge about the age of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
hello, my name is XXXX XXXX, and i have been a victim of id theft. I have sent over 4 disputes to the credit bureaus in regards to fraudulent inquires that are on my credit report! I have had ZERO progress with the bureaus removing these fraudulent remarks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021, my Simple bank account was converted to a BBVA account. We were notified about this months in advance, so I checked my balances before the conversion, wrote down all my account information & downloaded the BBVA app so I could access my account. 

On the day of, I could NOT get into my account at all. Despite assurances that everything remained the same & we could access our account with no issue, I was blocked from getting my money. Fellow customers reported that customer services were inaccessible or had waits well over an hour before calls were disconnected. I left a comment on the company 's XXXX page that was never answered, as did many other Simple customers. Today is the XXXX & all the company has done is post XXXX statuses saying they extended customer service hours & put out automatic replies. This is the problem, we need live people!!! Preferably ones that aren't rude to us on the phone when we have legit concerns. Some people have all of their money tied to a BBVA account. 

I immediately transferred all of my money out since I knew how much I had saved. Even though I finally have access now, I don't feel comfortable banking with BBVA & I will be closing my account as soon as I verify that my paycheck does NOT go in there!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX Last year, a man came to my house and told me that he is XXXX XXXX XXXX  assistant and asked me to move to his carrier. Me and my friends put 3 lines in XXXX XXXX XXXX  but by somehow, he put me and 2 of other in the same line which i am the account holder. Later, one of my friend paid off the phone and move to separate line, the other one XXXX XXXX XXXX did the same thing but he didnt pay off the phone. XXXX XXXX XXXX XXXXhould have XXXX information, the ssn and address. Right now they put me in the collection with his phone. I know that he still using that phone but different number ( XXXX ). Maybe even him didnt know he have to pay for the phone. I tried to talk with the company but they keep asking me to pay for the phone which i never used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
Dear CFPB, We own a home in XXXX XXXX that we refinanced with closing date XX/XX/XXXX. The refinance company XXXX was wonderful to deal with and they sold/transferred the loan to PennyMac Loan Services effective XX/XX/XXXX. 

A full year 's worth of wind insurance XXXX {$3500.00} XXXX and property insurance XXXX {$780.00} XXXX was prepaid by us during this recent refinance of the property and PennyMac received that escrow money when it assumed servicing of the mortgage loan XX/XX/XXXX. A total of {$5100.00} went to Penny Mac  XX/XX/XXXX in escrow to pay for wind & property insurance as well as property tax. PennyMac did not pay the windstorm, hurricane, and hail insurance or property insurance when due on XX/XX/XXXX and the wind & property insurance lapsed and we were sent notifications that we no longer had this insurance coverage. PennyMac actually started to communicate with us about our loan on XX/XX/XXXX so it had over 6 weeks to prepare for this escrow payment. 

We spent hours during this timeframe trying to reach a representative at PennyMac but had absolutely no success in navigating the phonetree options at XXXX. 

We received a very threatening warning letter on XX/XX/XXXX from PennyMac dated XX/XX/XXXX stating that we had let our XXXX XXXX windstorm, hurricane, and hail insurance expire or lapse. The letter stated that PennyMac was going to purchase insurance for the property and that we would need to reimburse PennyMac. 

Ultimately this was resolved with PennyMac paying the insurance coverage out of escrow but it took many calls and emails from us and our insurance representative to get this accomplished. 

We have owned many homes in our lifetime and undergone many initial mortgage applications and refinance processes and our experience with PennyMac over this insurance escrow issue has been the worst, bar none. Because of similar complaints raised in the XXXX website we feel it is our duty to bring these complaints forward to the CFPB. 

The company has all relevant emails and documentation on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
In XXXX of 2020 I contacted KIA regarding a need for a delay in payment due to COVID. They granted me a forbearance but they reported me late 30 days late in XXXX of 2020 which negatively impacted my scores.

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 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I am extremely frustrated and upset that both XXXX  and Franklin Collections decided to report this on my credit report, after being informed numerous times that this debt is invalid and highly disputed. XXXX is attempting to charge me for equipment that was " not '' returned - however this is completely false, I returned this equipment via the self addressed boxes they provided, and any claim to the contrary is highly disputed. I have informed XXXX  about this in writing on several occasions. 

Franklin Collections is also reporting this on my credit report, for which I highly dispute since they should have sent me a dunning notice allowing me the right to dispute this or resolve it before placing it on my credit report. This is highly predatory and unfair, as now I'm in the middle of obtaining mortgage financing and this account is stopping me from obtaining the best possible rate, something that will cost me XXXX XXXX XXXX  of dollars if this error continues on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This account is not mine I've never had any affiliation with XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX I deposited a check for XXXX it was from a chase client they put those funds on hold for two days. When XX/XX/XXXX came I tried to withdraw and was not able too. I called chase they said my account was restricted and that it was going to be closed. In the mean time I had a sba loan that was going to come in I didnt think it would go in because of the closure of my account. I call chase and I see that they had put those XXXX that were in my checking into my daughters account that is link to mine without letting me know. They had recieved the XXXX loan of XXXX but didnt put that one in there. I called chase to ask why they had put the XXXX in the other account instead of mailing it and where are the XXXX. They were suppose to mail me all my funds within seven days but they havent. Now they are saying that my sba funds of XXXX are on hold until I go in the branch and show them documentation of my business. Which I dont mind but by law they are suppose to mail my funds back to me. Im no longer their client. They chose to close my account. I asked them to send it to the XXXX because thats where it came from. They said they can do that but wont give me a date to when they will do that. Those loans have time sensitive. I call chase and they give me the run around and they even hang up the phone on me. I need to see what are my options. When I applied for that loan I gave my paper work to my lender. Theres no reason that I would have to prove it to them especially if I no longer have the account open with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I tried to rent an apartment with XXXX XXXX which is under XXXX XXXX. I was all set to move in. My move in date was for XX/XX/2020, but I terminated the lease on XX/XX/2020 because the apartment was completely uninhabitable. I was told I would get a full refund including my deposit which was {$200.00} and first months rent which was {$700.00} totaling in {$900.00}. This was given to me on XX/XX/2020. The apartment never reached out to me after I received the refund. Now, their collections company, Genesis, is attempting to collect {$780.00}. I do not owe any amount to anyone. Genesis has harassed me through mail, calls, and texts. They contacted my place of work, where I can not receive calls, putting my job in jeopardy. They have been contacting me since XX/XX/2020. I have repeatedly told them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNVFunding LLC. XXXX the supposed debt owner ), XXXX XXXX XXXX XXXX, SC XXXX ( as reported by XXXX  XXXX has failed to comply with FCRA law. I originally disputed a debt with them XX/XX/21 sent USPS certified mail. They had 30 days in order to respond, instead, I received a response letter dated XX/XX/21 stating Resurgent Capital Services L.P was their account manager, no requested information provided. They stated that I had 30 days to respond to that letter instead of providing the account information under FCRA that I requested. I did not receive the requested information until XXXX XXXX from Resurgent their deadline was XX/XX/21 ( 30 days XXXX from my initial request to LVNV. They can not re-age the date of my request because the interworkings between LVNV and Resurgent are not consistent and lacking. Furthermore, Resurgent did not provide all documents requested. They did not provide a copy of the contract or document evidencing my agreement to any debt which I did request XX/XX/21, please reference the letter instead they mentioned in their letter dated XX/XX/21 that 'I may ' request a copy which I already did. They are playing games with consumers in an unprofessional manner. 

On top of this, I have sent certified letters to XXXX and XXXX  with this complaint along with copies of letters sent to LVNV and Resurgent and they also have failed to act under FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These three inquiries appear on my credit report & ive tried to reach out to customer service would not assist. These were never approved to be inquiries on my report and need to be removed

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 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I Have sent written communication to LVNV Funding LLC XX/XX/2021, and I still have not received a signed contract that states I'm am the owner of this account. These two accounts are being reported on my credit report damaging my ability to obtain new credit. It has been over 60 days and yet I'm am still waiting. I demand that LVNV Funding LLC send notice to remove these Two accounts from my consumer report whom your company reports to because they are unverified and erroneous. I'm sure that LVNV Funding LLC are in violation of a few FDCPA Laws. If this doesn't get resolved, I will seek litigation to fix this problem due to stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX my fiance and I found are dream house. I was working with Rocket mortgage to get pre-approved. Which happen two weeks before I found the house. So we went bid on a house and are offer got accepted on XX/XX/XXXX the only thing the sales people wanted us to do is try to get closed on the house in 30 days. I called my Rocket mortgage agent XXXX and he said that will be find as long as I ha e my paperwork then need to be turned in by XX/XX/XXXX because they needed 3 days to write the mortgage up. So with him telling me that it would be no problem I went ahead and put XXXX XXXX down for earnest money and did all the inspections. So come around XX/XX/XXXX the week of closing a problem comes up where their couldnt use XXXX of the closing mo ey which to close was only XXXX plus my two month rents I needed to be safe. So I was told if I could get a gift that would cover up the XXXX that we can still close on the house. So I called my aunt XXXX and she called my agent which had switched because of the XXXX XXXX we need to close. This agents name was XXXX XXXX who inform my Aunt when she was learning the best way to give me the money he then told her I would need XXXX to get the house on my own. Which didn't make any since because my closing cost was not over XXXX total. But know he was saying they was my XXXX I had in my account plus another XXXX on a FHA loan that we don't have. I really feel the mortgage people just keep telling us when to have the mover ready and other things like that to makes us fill that the house was still goi g to be are just to pull up at the last minute to say we need XXXX more. I feel they were unethical and lie about what was going on in the process if I would have know about the other XXXX I wouldn't have put my earnest money down and now we are having g trouble getting it back from the home sales people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was furloughed due to the pandemic. I contacted my mortgage servicer Wells Fargo and explained that I would get caught up on my payment ( 30 + days late but not more than 60 days late ). I asked if they would waive the late fees, the Wells Fargo representative said no, unless I refinanced which I do not want to do. 
Now the late fees keep compounding and is up to {$960.00}. 
Monthly I make my payment but receive a foreclosure notification from Wells Fargo. I am not even 30 days 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 2021-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Company called us to say they could lower our rate. We submitted all personal documents and the new rate and low was approved. Been trying to schedule a signing and now they want us to get a Power Of Attorney so I can sign for my husband since he is out of the state for work. We did all that. They are delaying our closing and will not return our calls or emails. This has been the most run arrow down for months. Our representative, XXXX XXXX ( phone numberXXXX ) is the worst. No follow through. Wont return calls, and no one has any motivation to actually work. Tons of back and forth XXXX. Pretty sure the company is going bankrupt.

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 2021-05-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
having my information taking by some and them using it to demolish my good name credit report is a problem i have been trying to fix and i am hoping submitting this report will help to removed and prevent my identity to never be stolen and for someone to be able use it again.. please help by removing those bad debt of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: DriveTime
State: PA

Complaint narrative:
the car dealership does not abide by the Truth In Lending Act " Determination of Finance Charge ''

Company response to consumer: Closed with explanation