vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Reached out to Apple for an interest rate adjustment. They declined. I replied that I will be closing out my account once I have paid off the loan. They asked if I would like to close it today. I agreed. ( XXXX ) Went to perform a balance transfer today ( XXXX XXXX ) my access to account information through Apple was blocked. I have no account information to perform balance transfer. I reached out to customer service though the app. They declined to help. I called customer service. They were not willing to provide me with the correct card information to perform a balance transfer. Supervisor told me the accounts closed. We will only take cash. The interest is still payable. I do not find the fact that they will not allow me to transfer money to another bank as an appropriate tactic that a credit card company should be using. I feel AppleGoldman Sachs stating to close the account right away after I had mentioned I would be closing once I transferred the balance out was a predatory move to gain favorable financial position by increasing their interest payments. Customer service was not willing to partner to find a resolution. This is unfair business practice to be performing and I would like to see Apple and Goldman Sachs held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, I fell victim to a puppy pet scam after sending {$160.00} as a deposit for a puppy sale that I saw on XXXX. I did not realize that such scams existed but I did get a signed contract before the money exchange. There are several parties involved from what I can tell. Unfortunately, I used the Wells Fargo XXXX payment option unknowing that I didn't have protection against scams and frauds such as this one. On XX/XX/2020, I paid XXXX XXXX using the name XXXX XXXX {$160.00} as a deposit for a puppy. After getting very suspicious and a friend telling me about how bad pet scams are, I did a search for pet scams and found that XXXX XXXX 's email was on the list and I fell victim to a fraud. I have several documents of proof and reported it to the Federal Trade Commission and FBI, but Wells Fargo refuses to open a claim, investigate or credit my money back. In the grand scheme of things, this is pennies for Wells Fargo and I've been banking with them for 11 years. For me, I'm unemployed and fell victim or a major global pet scandal.

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 2020-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hello, On XX/XX/2020, my car was T-boned and declared a total loss. Everything is covered by insurance but the problem with Hyundai Motor Finance " www.hmfusa.com '' they are not updating the information on the account and I'm forced to make payments at every beginning of the month {$370.00} lease amount and if I don't pay it becomes past due and affects my credit score. My insurance requested a letter a guarantee and nobody responded since XXXX. My insurance tried to reach them on numerous occasions with no callback or response from HMFUSA. I am thus forced to pay monthly payments for a vehicle that I do not own anymore and that is not being paid off due to HMFUSAs failure to get this issue resolved. It is my understanding that HMFUSA is delaying the payoff on purpose to obtain more money from me rather than apply my gap insurance. HMFUSA is taking advantage of the pandemic, myself, and is acting in bad faith. On XX/XX/2020, I received a confirmation letter from Hyundai Finance that my " insurance company notified Hyundai Motor Finance that your vehicle was deemed a total loss. '' Since then for las couple of months I, my attorney and my insurance company trying to reach the HMFUSA but the company is not responding. I did email then with the request to update the information on my account and nobody is responding as well.

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 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have applied for a rate and term refinance on my primary home, With Chase. And they denied me, supposedly due to not enough reserves in my account witch was incorrect. then I refiled and the agent said that the computer logarithm accepted my file. yet again underwriting denied me, and asked for an explanation but no one can explain the math of how they arrived at an incorrect debt to income. My tax returns show an income of $ XXXX yet I'm told that the underwriter arrived at {$44000.00}. The math is simple. But I am not being represent wright. 
I am not sure if it's redline or chase just doesn't want to lower my rate because they'll make less on the overall life of the loan. 
But I think that during these unprecedented times with covid_19 chase should do the wright ting for a healthier future of their client. 
How was I eligible for a loan in the first place with a lesser income but now with a higher income a can't even refi. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
The debt was submitted to National Enterprise System Inc. I did not have an agreement with this collection agency. 
Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
On XX/XX/2020 I received a call from One Advantage collection agency. I did not know this was them until I voluntarily allied them back and they ID self. To start the call the representative named XXXX asked what balance and account was before every verifying me or giving me any information whatsoever. Extremely strange and from What I know an FDCPA violation. After this she aggressively kept asking me what my date of birth was while refusing to answer any of my questions. I asked for a supervisor several times and she kept saying I can get a voicemail. She would not tell me if her company was a first party or third party collection agency. This call was horrible from the jump and very unprofessional. She ended up terminating the call on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
XX/XX/2019 XXXX This is not my debt. I have contacted them several times. Nothing has been resolved. 
This is not my debt. I have no idea where it has come from

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I called XXXX XXXX  to see why they reported an increase to.my balance when I pay on time and extra. They claimed that the problem was Equifax that they didnt report that amount. When my dispute was completed with Equifax it said account was accurate.When I looked at the payment reports it doesn't show where I paid extra. I feel like i am getting the run around. This increase made my score drop. They need to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have been trying to activate my XXXX. I have been trying to get a customer rep. to see what is going on. Every time I try and call, I get put on hold for hours and then I get cut off! This has been going on for weeks!!

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 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
For the past two to three weeks I contacted my mortgage company PHH mortgage regarding forbearance due to financial hardship related to COVID-19. I have requested a forbearance under the Chapter 65 of the Acts of 2020, An Act Providing for a Moratorium on Evictions and Foreclosures Act. I spoke to over 14 different agents, and every agent was unable to assist. Each agent told me that they were only offering a forbearance that i would need to pay back in three months. I requested for the payments do go to the end of the loan agreement as stated in the Chapter 65 law. Every agents stated that they knew nothing about this law and could not help me, then directed me to speak to another person, then that agent directs me to another person, and for the past 2-3 weeks there has been no resolution. Not one agent looked into the chapter 65 law or helped to resolve this problem. Every agent told me that I can have a forbearance, but will need to pay the total back in 3 months. I explained during every call that the law that was passed two weeks ago states that I have the right to a forbearance due to financial hardship because of the coronavirus pandemic. This law also states that any amount owed at the end of the forbearance will be added to the end of the loan term. I would like assistance and review if this law. 

The PHH mortgage website does not reflect any new rules. They tell me they do not know anything about what was passed, and they can only approve forbearance with paying it back three months. I do not what else to do.

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 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account had previously been deleted from my credit report because it was reporting in error. Moving forward to present day, apparently this account has since been re-aged and sold to ANOTHER collection agency. This is a violation of the Fair Credit Reporting Act. I have long since closed this account and during that period of time I made arrangements for the company to pick-up their equipment following the guidelines outlined by the company to return equipment. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04 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: AL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account had previously been deleted from my credit report because it was reporting in error. Moving forward to present day, apparently this account has since been re-aged and sold to ANOTHER collection agency. This is a violation of the Fair Credit Reporting Act. I have long since closed this account and during that period of time I made arrangements for the company to pick-up their equipment following the guidelines outlined by the company to return equipment. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04 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: CA

Complaint narrative:
On XX/XX/2020, I purchased online from XXXX XXXX a new pair of shoes with the amount of {$65.00} and paid by Capital One credit card. Until now, I still have not received the merchandise, which I purchased. 

On or about XX/XX/2020, I called and wrote a dispute letter to Capital One Credit Card about the merchandise which I still have not received. 

On or about XX/XX/2020 I called Capital One again to dispute about my purchase. 
Until now, Capital One Credit Card refused to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank who holds the loan and services the escrow for my mortgage account. Have not been responsibly managing the escrow portion. My account has been debited for insurance purposes but insurance has not been paid. I've been double billed from two separate companies, within the escrow for the same amount of money. And my monthly statements for escrow do not match up with what Chase Bank sent me. They're showing charges and XXXX for insurance payments on a bill that they just sent me. That are not on the paper copies that I get monthly. Looks to me that someone went in after the fact and try to add this information. And send it out on a paper copy ask for when they say they made homeowners insurance payments. I have a copy of all of XXXX statements from Chase Bank. As well as their escrow analysis statement which shows then paying homeowners insurance two two separate companies for the same dollar amount and the month of XX/XX/2020. But my XXXX and XXXX statements dispute. Now they're raising my monthly payment and saying that my escrow is severely upside down. And the dollar amount that they say they paid for the homeowners insurance is incorrect. It was due in XXXX. But after it was not paid I paid it directly from my credit card in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made an ATM deposit in an amount of XXXX in the form of a stimulus check and now I am told I have to wait because my name does not match. I recently was divorced and offered my drivers license and divorce decree to prove my name is legally or was XXXX XXXX or XXXX XXXX XXXX however now I am afraid I will not be able to get my rent paid because of this issue of have my car payment deducted on XX/XX/2020 I spoke to three representatives and no one took any initiative or had any emphathy towards me. This is not acceptable for a banking institution to treat customers this way. My rent payment will be deducted shortly and no resolution was given to me I feel this is unfair. The bank location is BBVA in XXXX  Texas phone number is XXXX My bank acct ends in XXXX Last four of ssn XXXX XXXX XXXX is listed in my account Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I need my check back ASAP or deposited to my account I have all my documents in place. I do not have an official name change however legally on my drivers license I am XXXX XXXX XXXX and have proof of my identity Please help me my call back number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I never received any kind of notice from the original company, XXXX, that i owed a whopping XXXX until i tried to refinance and was notified i owed this amount and it was damaging my credit, i paid this amount on XX/XX/XXXX, i also sent Waypoint collections a letter at XXXX asking to receive a letter stating i paid in full and currently have a XXXX   balance to send to my mortgage broker who is refinancing my home, needless to say they never sent me any letter to date. I Called today and was told they will request a letter again from a 3rd party and it will take 2-3 days yet again. I asked to speak to a manager and was told " XXXX XXXX '' was the manager who requested the letter today. XX/XX/2020 will get back to me within 24-72 hrs. Since my original email asking them what they told me to send was on XX/XX/XXXX, i should have received this letter 3 days later on the XXXX. We are currently at XX/XX/XXXX. Don't know why they are allowed to treat people this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: AL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account had previously been deleted from my credit report because it was reporting in error. Moving forward to present day, apparently this account has since been re-aged and sold to ANOTHER collection agency. This is a violation of the Fair Credit Reporting Act. I have long since closed this account and during that period of time I made arrangements for the company to pick-up their equipment following the guidelines outlined by the company to return equipment. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation