vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
paypal issued two credits to my paypal credit account. 

one credit for {$47.00} on XXXX XXXX, 2020. PayPal Trans. id XXXX one credit for {$48.00} On XXXX, 2020. PayPal Trans. ID XXXX These credits were for recovery of bogus charges made against my PayPal account. 

I spoke with XXXX at XXXX a week ago and was told that these credits would be honored. 

THE CREDITS ARE NOT SHOWING ON MY LATEST STATEMENT FROM PAYPAL CREDIT

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 2020-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Quicken Loan ( Rocket Mortgage ) cornered me, creating monopoly during pandemic. 

My existing mortgage loan is with Quicken Loans. I started the process of refinance in XXXX 2020, with a different lender who offered a much lower rate, no closing costs, no points to buy. In XXXX 2020, when we were about to close the loan and had the final payoff requested from Quicken loans, a Loan Manager named XXXX XXXX contacted me saying he would offer me better package ( lower rate, no closing cost, waived appraisal, no PMI, no points to buy and additional lender credits to cover lender costs ). He said also it would be a quick process since I am an existing customer and asked me for only SSN to get started and provide confirm the offer in minutes. I told him that I am about to close with a different lender and do not want to run my credit. He insisted that his offer was far better and that running credit would not impact anything. I agreed to run credit, received confirmation of the offer and promise he made of lower rate, no closing cost, waived appraisal, no PMI, no points to buy and additional lender credits to cover lender costs. 
The refinance process with Quicken loans started and meanwhile the other lender rescinded the offer due to delay in closing. Quicken loans kept delaying the process with no communication for weeks, while I was still paying high interest loan down to Quicken Loans. 2 months later they told me they would need an appraisal and that the price of appraisal would be added to my loan. When I tried to discuss with that saying XXXX had offered me this package with no appraisal, they threatened to close my application. I was forced to comply and went ahead with appraisal. Now almost 2.5 months later, when Quicken loans is the only lender offering me loan, since the other lender had closed my application long time ago, quicken loans has added PMI to the loan, reduced lender credits and provided 3 different and confusing loan closing disclosures and/or disclosures, with same loan amount but different credits and cost amounts and difference in amounts that I will be receiving at closing. The director XXXX XXXX called me and accepted that it was their fault to offer such a package that they could never honor. I feel cornered and victimized by Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CO

Complaint narrative:
Subject : USBank incorrectly posting settlement agreement payments. 

On XX/XX/XXXX I entered into a XXXX XXXX with USBank for the sum of {$3300.00} to be paid over 18 scheduled payments with last the payment to be made XX/XX/XXXX. 

On XX/XX/XXXX, after contacting USBank by phone, I was informed the last 3 payments XXXX XXXX, XXXX and XXXX XXXX were not received. 

On XX/XX/XXXX, I faxed USBank XXXX XXXX ) photo copies, from my bank XXXX XXXX XXXX, of the last 3 payments made to, and deposited by, USBank. 

By XX/XX/XXXX, USBank notified me they had applied the missing XXXX and XXXX payments and that they were posted correctly to my account. 

On XX/XX/XXXX, I faxed USBank XXXX XXXX ) a second time, a photo copy, from my bank XXXX XXXX XXXX, of the XX/XX/XXXX payment made to, and deposited by, USBank. 

As of XX/XX/XXXX I havent heard from USBank regarding the latest ( XXXX XXXX fax and Ive a number of time to inquire as to the status only to be told I would receive a callback from the Supervisor [ name removed ] whom Ive yet to hear from. 

My credit scores continue to suffer because of USBanks error.

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 2020-09-26 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
Consumer portfolio services is on my credit reports please remove at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
MCA management company has placed a collections/chargeoff account in the amount of {$800.00} for an original lender of XXXX  XXXX. I am not aware of this, and there the account type is NOT REPORTED nor is an amount past due, nor is a credit limit, I am confused why MCA management company did not attempt to contact me in writing so that I could request a VOD, Why would they just place a negative mark on my credit reports? Is this even mine, did I apply for credit with someone? What were the payment arrangements? I did not agree to anything with MCA management company, I have never heard of them. send VOD, with all additional documentation that you can provide me with

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Funding LLC has reported a delinquent account on my credit for the amount of {$750.00}. Before I paid the account it was charged off to another company, XXXX. XXXX reached out to me offering to settle the account. I paid XXXX {$520.00} on XXXX XXXX, 2020. I was told that they would notify Midland Funding who would then remove it from my credit. After a month I called Midland Funding to check the status and they told me that they had not received notice from XXXX  that I had settled the account and that I should call them. I called XXXX to get the process moving and after 1 month and several calls I was informed by XXXX that they had given the information to Midland Funding. Midland Funding still claims that they have received no such notice. I have been calling for months and am always told that the issue going to be escalated, and when nothing happens I call back and it seems like the first time they are hearing about it every time. I have disputed the account several times and it always comes back as the information being correct. I dont know where to turn to fix this issue, but neither companies are even attempting to fix the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
Collection Company Name NCB Management Service XXXX. XXXX XXXX XXXX, PA, XXXX. 
Account : XXXX NCB file : XXXX contact XXXX NCB is collecting a debt from XXXX XXXX for balance of XXXX. XXXX XXXX claim to still owe this account. Yet hid my information to be part of the lawsuit. I was going to fie bankruptcy. But out it on hold due to the fact of lawsuit against XXXX XXXX XXXX. They falsey claim that the case has been settled which is not when you check the website. I am in the process of mailing a complaint to the P.A. attorney General about this company. 
They are very rude and stated I have to paid the debt. 
I had sent a letter to work out the debt but they did not respond. 
But when I called they play head games on the phone with me concerning XXXX  lawsuit. Like they did not want to answer question. Yet this collection company is attacking all 3 credit reports. I ask them not call me demanding over 500 month paid a debt that I can not paid. Which they have contact former employer and old address using third party verification stating I gave them permission contact these people. Which I did not. I ask that you contacted them and XXXX XXXX. To eliminate this stituation. These two companies are not friendly at all. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
" consumer collection mana '' has placed and account for collections/chargeoff on my credit reports in the amount of {$200.00} for an original lender of " XXXX XXXX XXXX XXXX  '' and the following information is listed as " NOT REPORTED '' amount past due, account type, credit limit, or any payment information. I have never heard of them before and have never received any written communication allowing me the opportunity to request a VOD. Is this mine, did I apply for credit somewhere?, if so was it properly billed? Send any and all supporting documents please, why was I never contacted in writing about this before it was a negative mark on 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 2020-09-26 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
remove inquiry off of credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
On XX/XX/20 paid an amount of {$3000.00} that was not applied to our loan balance. Contacted the company numerous times since XXXX and still do not have a resolution. We paid off our loan balance on XX/XX/20 but the XXXX statement still shows we owe {$2800.00} while the My Account Details page shows we have a ( {$190.00} ) balance. We continue to contact the company to give us the money we overpaid and provide us the title to our car. The customer service representative keeps indicating they sent an email to the Finance team but nothing gets resolved.

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 2020-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp
State: UT

Complaint narrative:
I refinanced with security national then got collection notices before my payment was even due and i had made the payment, now t hey have failed to pay my homeowners insurance and that is included in my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TrueAccord Corp.
State: IL

Complaint narrative:
XXXX XXXX XXXX has reported a delinquent account on my credit for the amount of {$750.00}. Before I paid the account it was charged off to another company, TrueAccord. TruAccord reached out to me offering to settle the account. I paid TruAccord {$520.00} on XX/XX/2020. I was told that they would notify XXXX XXXX who would then remove it from my credit. After a month I called XXXX XXXX  to check the status and they told me that they had not received notice from TrueAccord that I had settled the account and that I should call them. I called TrueAccord to get the process moving and after 1 month and several calls I was informed by TrueAccord that they had given the information to XXXX XXXX. XXXX XXXX still claims that they have received no such notice. I have been calling for months and am always told that the issue going to be escalated, and when nothing happens I call back and it seems like the first time they are hearing about it every time. I have disputed the account several times and it always comes back as the information being correct. I dont know where to turn to fix this issue, but neither companies are even attempting to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
credit inquiry not authorized

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 2020-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/2020 XXXX up loaded check. Report identity fraud. I didnt upload this check. {$130.00}. Wells Fargo is investigating.

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 2020-09-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX accidentally overcharged my account on XX/XX/2020 by charging me XXXX $ I called them and they told me to contact my bank ( Bank of America Prepaid ) and they would be able to reverse the transaction. So I did on XX/XX/2020 after waiting on the phone for literally 2 hours they finally answered and it was a miracle they were able to resolve my issue almost instantly. My money was returned and I was so glad cause I desperately needed my money for rent and my car payment and was gon na turn the cable on for my grandkids. And suddenly my account was closed!! Completely closed without warning at all via phone nor email nor written just out of the blue CLOSED!! The money that had got returned to my account was actually supposed to get deposited into my personal account being that I have setup reaccuring transfers setup and instead they kept my money that was set to go to my personal account and now Im stuck with no money and no answers. I called Bank of America and they tell me call my sponsor which is California XXXX and I call them and my account is open with them with no warning no red flags nothing. Please help me asap

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 2020-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: MA

Complaint narrative:
Not knowing what to expect with PayPal prepaid I bought one for my XXXX  son and when he went to register it they asked for his dob and as SS # then PayPal refused to activate it because he was a minor I tried to have them switch it to my name and PayPal refused with out all documents requested to include my license SS card marriage certificate because my name is different on my sons birth certificate which they requested as well as his SS card and a current bill with my address on it. I have been going back and forth with them for the last 3 days since XX/XX/XXXX they keep making up XXXX excuses When I send them documents its too blurry its not original document etc. I am a XXXX VETERAN which my license states and I feel like I am more then being taking Advantage harassed and discriminated against all for a XXXX dollar prepaid card. I feel this PayPal is fraudulent and now I have to worry what they will do with my information as well as my minor sons. I want this complaint to go forward people need to be warned and this company needs to be stopped and shut down. They steal peoples money and their identities and constantly give you the run around

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 2020-09-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had my Chase XXXX XXXX credit card for several years and was never late on my payments. I missed the XX/XX/XXXX minimum payment of {$35.00} but paid {$500.00} which Chase received on XX/XX/XXXX. I called the automated system to see what my remaining balance was. I currently owe {$190.00}. The automated system said that the account was closed. I spoke with a customer service representative and was told that because I missed the XX/XX/2020 payment of {$35.00}, my account was closed by Chase. I paid more than the minimum payment due and they have the nerve to close out my account during the COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I took out a loan from XXXX XXXX XXXX ( a well known lender ) for {$5000.00} to pay unexpected expenses and deposited it to my USAA checking account on XX/XX/20 ; and USAA put it on hold as a Fraud alert the next day causing my account to go into the negative for {$2900.00}. USAA 's executive support team stated after XXXX days of trying to find out what happened that their fraud team stated no reason at all for placing my deposit from XXXX XXXX XXXX on hold for the purposes of fraud. 

On XX/XX/20 the {$5000.00} balance was made available and I started paying bills. The very next day, they placed my account on a fraud alert and spiraled my account balance into the negative for {$2900.00}. 

USAA is also currently constantly attempting to charge my USAA credit card for my checking account negative balance that they themselves caused with again, no reason noted in my account according to their staff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AND I AM REQUESTING THAT ITS REMOVED ON THE THREE REPORTING CREDIT BUREAUS.

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 2020-09-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: ME

Complaint narrative:
This entire process has taken over 90 days. The buyer of my current home and I both are using Freedom Mortgage. Our loan has been given a clear to close but the buyer of our current home is receiving no updates has to why his mortgage is stuck in underwriting. This is creating a dilemma for us because our seller does not want to sign another extension. I spent hours on the phone being bounced around between departments because no one could give us answers. My problem with this whole process is that its been 90 days and they should had all this paperwork looked through and done before the last week of closing. I will give it to Freedom that my buyers employer messed up paperwork but that shouldnt have held up the closing for a week and especially with no updates. I hope to resolve this but I am not confident that it will be in a timely manner and we might lose our future home, along with inspection costs, appraisal costs, and may be taken to small claims court by the seller.

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 2020-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Financial LLC
State: PA

Complaint narrative:
I'm not paying no more money on this loan because they are considered illegal in pa!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: PA

Complaint narrative:
not paying no more on these loans since these are illegal in pa

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: FL

Complaint narrative:
I was locked out of my Way2go account. This is a company under CONDUENT. They informed to call customer service. I called and they gave me the procedure to follow. I emailed them all the verification documents they needed. They still are withholdimg my access with no further justification. I come to find out they are rated F w/ the XXXX.

Company response to consumer: Closed with explanation