vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: MA

Complaint narrative:
I have received 2 emails from these people notifying me of a refund owed and asking me to update my address which I did twice ... this was in early 2021 and I have yet to receive the refund. I have called on multiple occasions, sent emails etc ... they are un responsive as the representatives are unable to provide me answers and although they say somebody will call me nobody ever does. I believe the refund is due to an interest overcharge but I have yet to receive the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The credit card was opened without my acknowledgement, it was fraud, I have been trying to let Navy Federal know that I did not open that credit card or have possession of that card, they just keep telling me there is no sufficient proof of fraud. I just don't know what else to do, they said I need to provide written or verbal saying I did not open that card which I have done what they have asked and it still getting denied and are asking me to pay for charges I have no acknowledgement of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This has been an issue since XX/XX/XXXX, when Bank Of America changed their computer system for their Line of Credit statements. Since then I have spent hours and hours on the phone, sending emails, and compiling documents showing what I owe them vs what they claim I owe them. I made numerous payments that were never applied, and later shown as " unapplied funds. '' While my average monthly statement prior to this might include 8-14 transactions, their XX/XX/XXXX statement had 117 transactions ; 4 pages of Unapplied Funds, Payments posted, Principal Curtailments, and Misapplication reversals. Then they made it worse by lumping in some of these payments, etc., to where I as the customer have no idea what payments these figures represent. All that did by grouping multiple deposits together was to muddy the waters, and I do not think anyone short of a CPA could possibly figure it out, if at all. I have been given multiple " confirmation numbers '' indicating the issue has been resolved when in fact no such resolution has been accomplished. When I finally get an employee whom I am corresponding with one on one, they make all sorts of promises and commitments to assist me and fix the problem, but they never follow through. It's been a nightmare, affected my credit score, and the problem still exists. I have a 10 page summary of the chronological order of the calls, emails, etc. I believe based on the work I have done that they have not credited me with approximately {$5000.00}. Personnel tell me they will be back in touch in the next week, but take multiple weeks to reply if at all. I have had a LOC with BOA since XXXX, and have been a customer of BOA and their predecessor banks since XXXX. Believe me I would not bother you with this but I have no where else to turn. The lack of any real Customer Service on the part of BOA is off the charts. Its like they don't want to be bothered. I have 51 pages of detailed notes on every call, email, etc.

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 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/21, I deposited a check from XXXX XXXX XXXX, XXXX in the amount of {$8900.00}. Two days later, Chase released the funds and I used this money to lease a new car. On XX/XX/21, Chase reversed the deposit and took all of the money back, stating the check had insufficient funds. 

Chase shouldn't have released those funds if they were insufficient. Furthermore, I've asked them to do a formal dispute with me for this check and they said no. They did say they'll escalate the issue but I have not heard back from anyone at Chase. 

I need help from Chase to dispute this and get the funds back into my account. I believe the person who wrote the check - who is ignoring my repeated requests to re-pay me the {$8900.00} - is committing fraud and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
anytime I file a dispute they tell me that I have to get a letter from another company. They make it impossible to dispute a transaction. CapitalOne never send anything in the mail about dispute but the bills come faithfully I switched from the Capital One card to the Venture and was told that I would get the annual fee refunded after 2 month I was told that there is no refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Hello, We are current with our mortgage. 
We have been told by shellpoint mortgage co. that our payment has increased by over {$500.00}. 
Their reason is something about reserves. We can not afford this large increase. 

We have attempted to resolve this with them but they will not work with us at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: CA

Complaint narrative:
I XXXX XXXX have attempted to explained to Capital One since XX/XX/XXXX that we are going thru a very difficult times and our biggest problem is our Financial hardship due to the Covid-19 Shut Down. We have attempted so many times to explained to Capital One that we need to reduced our interest rate that have cause to be very dificult to pay our monthly payment. The only thing they offer just not to pay this month but following month I can pay the late fees which I rejected. The final offer they gave me is that I can pay {$620.00}. for 6 months at the interest rate of 9.99 % after the six months they will increase back the same interest rate. We are presently suffering so much loss on our business due to the decrease of clients that also suffering the Covid-19 situation which we are still under the Covid-19 which has not ended. I am looking forward to a permanent resolution for my 2 XXXX Credit Cards that I have with Capital One. Have been a very good customer since XXXX and never have been late and never have requested any kind of help from them. By reducing my account to a permanent interest rate and reducing the amount it will be very helpful and not be in a risk to have to file Bankruptcy for me is trying to settle with my Creditor. Please I need help with this 2 Credit Cards with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Credit Karma, LLC
State: OK

Complaint narrative:
I am in the process of buying a home in XXXX, Oklahoma and I authorized a Hard Pull from the mortgage broker I was dealing with. And then on XX/XX/2021, Credit Carma emailed me and told me that I have 14 ( two weeks ) to get other quotes from lenders and that it would not affect my credit score. So I ended up getting another quote from another Lender a few days later. And then I got notified today on XX/XX/2021 that my credit score went down over 21 points with XXXX. And it is probably going to go down with the other bureaus as well. My score is now around XXXX and it should be a lot higher around XXXX like it was before. I uploaded the email that they sent me. But I should not be penalized for this and I want why credit score points back. It was false advertised. And we are still within the 14 day window, so my score never should have been lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2020 and XX/XX/2020, THD/CBNA add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorizat ion Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
BEEN FAXING SINCE XXXX SEE PROOF! XXXX XXXX IS LOSS MITIGATION SPECIALIST XXXX DIRECT NUMBER WAS ON THE SO CALLED FOREBEARANCE DIDNT TELL ME THAT I HAD TO PAY BACK! FAXED IN MODIFICATION THEN SAID PAYMENT NOT DROPPING BUT DONT CARE IF THE SAME RATE AND PAYMENT CANT AFFORD 12 MONTHS PAST DUE! THEN XXXX XXXX SAID MAKE 1 PAYMENT WILL PUT REST AT BACK END OF LOAN! NO ONE KNOW WHAT IM TALKING ABOUT SHE NEVER PICKS UP THE PHONE! COMPANY IS THE WORST.!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2020, US BANK add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-17 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: GA

Complaint narrative:
Experian is reporting the account with SBNA/XXXX XXXX/XXXX inaccurately on my credit report. The account was paid and closed in XX/XX/2020. The balance is {$0.00}. However, the account status is reporting as 30 days late. This is inaccurate. I have disputed this information twice. It has not been corrected and the account is still reporting inaccurately on my report. XXXX XXXX  advised me that they have reported the account as paid to the credit bureaus and the account should reflect this and should no longer report as 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 2021-02-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the account with XXXX XXXX probably four times due to inaccurate information being reported. The company continues to verify the information as accurate. My most recent disputes pointed out that the balance is inaccurate. The company continues to randomly change the balance. The balance is now reporting as {$800.00}, but that could change at any moment. The original charge off balance was {$680.00}, which I pointed out in my dispute letter. There is no added interest to this account. I have attached a document directly from the company sent to me on XX/XX/2021 that shows the balance as {$680.00}. Please look at the document. At the same time, the company continues to report a higher balance to the credit bureaus. This is not right and is against the Fair Credit Reporting Act. Equifax can not allow companies to report inaccurate information after a consumer disputes the information and provides proof. This is my second documentation to Equifax about the balance. The information has not been corrected and the account is still reporting inaccurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
My mother is XXXX years old!! They called her 7 times today alone!! I told them, on a recorded line, to stop harassing my mother yet they persist. My mother is now afraid to answer her telephone. We are in Texas in the mist of one of the worst winter storms on record and they will not stop!! This should be illegal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX, SYNCB/AMAZON add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorizati on Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: NJ

Complaint narrative:
I am in total disagreement with my final bill of {$1700.00} calculated by VW credit bank regarding my XXXX XXXX XXXX First, all 36 payments stipulated in the contract were made including XXXX, XXXX and XX/XX/XXXX which are now billed as deferred payments. 
I returned the car one month before scheduled XX/XX/XXXX and I leased a new XXXX XXXX on XX/XX/XXXX. 
I was even told on the phone that I had a credit for {$580.00} that it will be sent in a bank check by mail. In a XXXX telephone call a customer representative revised and change return date from end of XXXX to end of XXXX, Based on this information I went ahead with a new lease signed on XX/XX/XXXX. No remainder payment was due on that date. 
Today XX/XX/XXXX a final bill indicates 3 deferred payments already been paid in XXXX and XXXX ( made together on XX/XX/XXXX ) and XXXX ( made on XX/XX/XXXX ). 
Finally, I am also aware that I was charged on XX/XX/XXXX {$350.00} ( fees? ) I would appreciate a revision and explanation of final payment. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: U.S. BANCORP
State: MA

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX, I had been making regular, timely payments above the monthly limit, to this credit card account, effectively paying off the credit card in XX/XX/XXXX. I even had a credit from the company for overpaying in XX/XX/XXXX. 
On or about XX/XX/XXXX, I received a letter from " XXXX XXXX '' stating my account was " past due '' and " because of [ my ] payment history, we have reduced your credit limit to {$500.00}. '' I had a late payment for the month of XXXX, apparently. However, the suggestion that my payment history was anything other than exemplary was false and inflammatory. 

Further, the letter did not come from the company with whom I had the credit card, but rather from an anonymous-looking, and frankly, fraudulent-looking " Cardmember Service ''. In no place in the letter did it identify the company I had the card with, and only provided the last four digits of the card. The address of this " Cardmember Service '' did not even match the address of the credit card company to whom I send payments, further raising my suspicion about the legitimacy of the letter. 

My previous credit limit was {$24000.00}. By reducing my credit limit by {$23000.00}, Elan Financial Services effectively lowered my credit score from XXXX, an " Excellent '' rating to XXXX, a " Average '' rating. This extreme reduction in my credit score eliminated my ability to qualify for a competitive mortgage refinancing interest rate, thereby costing me thousands of dollars by eliminating my ability to apply for mortgage refinancing. 

I called the company on XX/XX/XXXX to inquire as to the reason for the extreme reduction of credit, to express my frustration with their action, explain the detrimental effects of their action, and request a reinstatement of my credit limit. The representative suggested I speak with their " consumer recovery '' department. When I was transferred to this department, my call was routed then back to start over at customer service. Their only response was to suggest I reapply for a credit increase. Such an action would reflect a hard check on my credit report and further diminish my credit score, so I firmly declined this action. 
On XX/XX/XXXX, I called again after my account being fully paid off to request a return of my original credit line, and they again said I would need to reapply for a credit increase. 
Due to their misleading, unjust and personally damaging actions, I promptly closed the credit card and will never do business again with any credit company affiliated with Elan Financial Services.

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 2021-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I called ( who I thought was my loan servicer ) Great Lakes. After spending extensive time on the phone and after providing them with my social security number they asked me for a payment of {$600.00}. I knew something was off, so I made an excuse to get off the phone. I called the REAL Great Lakes and spoke with someone who explained that I was a victim of spam/potential identity theft. I followed their recommendations to keep my loan information safe, but am concerned this spammer will try to use my social security number for malicious intent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed a copy of my credit file and found the following items reporting as a result of identity theft : XXXX XXXX XXXX - Bal : {$96.00} .. showing charged off XXXX - Bal : {$3500.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bal : {$650.00} XXXX XXXX - XXXX XXXX Bal : {$790.00} Credit Coll XXXX XXXX  XXXX Bal : {$450.00} Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation