vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I planned a 6 week XXXX trip for the summer of XXXX, but unfortunately COVID19 hit making it impossible to travel from the US to XXXX this summer. As soon as, it was made illegal to travel aboard from the US I informed all vendors that I will not be able to make the trip and was requesting a refund. Almost all vendors complied immediately but XXXX XXXX refused to stating that they still plan to have the flight occur. I canceled my XX/XX/XXXX flight ( XXXX XXXX XXXX to XXXX ) on XX/XX/XXXX due to the COVID19 pandemic. The airline refused to supply vouchers or a refund, so I began the dispute process with CapitalOne in XX/XX/XXXX due to the fact that the flight charge was on my quicksilver card. 

Capital one continuously asked for more information but the main point of the argument was it was not legal to fly overseas and I canceled my flight to abide by US law. They ended up losing the dispute with XXXX XXXX and tried to charge me for the charges. After thoroughly explaining the situation for several months I was promised a full credit from a dispute manager in XX/XX/XXXX. The credits appeared on my account and thought the issue was finally resolved, but without notice or any info the charges reappeared on XX/XX/XXXX. I called CapitalOne and they said I lost the case and they have no record of the call so I will just have to pay. 

I then again began the process again and demanded that they pull the phone records and confirm that I was not promised a permeant credit. After several weeks they finally agreed to pull the records and claimed that a credit was never promised. I requested the audio files or a transcript to review because I know it was promised. The claimed they could not and I requested for process documentation stating that and they could not provide. CapitalOne is currently committing fraud against me and I would like them to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
I have an escrow account that is used to pay my mortgage insurance. I closed in XX/XX/2020 and my mortgage insurance has never been paid by my mortgage company ( AmeriSave ). I contacted loan services and was unable to reach a live person so I left a message. Loan services contacted me back and left a message saying to contact the title company. I contacted the title company who directed me back to AmeriSave and provided documentation showing that AmeriSave needed to pay my mortgage insurance. My loan officer at AmeriSave told me he could not help me and that I needed to talk to loan services. I attempted to contact loan services on three different days and have not heard back. I contacted my insurance company and let them know the situation. My insurance company informed me that they have never received payment from AmeriSave and that if one more payment was missed there would be an interruption in service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanUnited.com, LLC
State: TN

Complaint narrative:
In the beginning of XXXX I responded to a mailed solicitation from Loan United to refinance my 30-year VA loan from 2.75 % to 1.75 % under the streamline plan. The person I dealt with was XXXX XXXX, Senior Mortgage Loan Originator, NMLS # XXXX, Direct : ( XXXX ) XXXX, Cell : ( XXXX ) XXXX, Phone : ( XXXX ) XXXX EXT : XXXX, XXXX After promptly sending in my documents, Mr. XXXX told me that they could not do the advertised 1.75 % rate, but they could do 2.0 %. I said okay and sent him all documents requested. I e-signed a bunch of documents beginning the process. He told me to skip my XXXX payment. 

On XX/XX/XXXX, the following lady contacted me : XXXX XXXX, Loan Assistant, Email : XXXX, XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX, Main : ( XXXX ) XXXX ext XXXX Next Loan United became obsessed with talking to my bank. First they contacted the wrong bank in Minnesota instead of Tennessee. This was the first delay. Next they had a third party with a thick foreign accent call me and tell me that the reason they had to talk to my bank was in order to talk about my loan with the bank. I told them that the loan was with XXXX and not with the bank, but they continued to argue with me that it was. I tried to explain that I had a loan with the bank for a condo in XXXX, and the loan I was refinancing was with Quicken and was in XXXX, TN. After all of this, XXXX and XXXX pretty much went silent on me, not answering my calls, messages, or emails. XXXX answered one time last Monday and said he would get an answer in 5 minutes, but did not. 

Now XXXX has slapped late fees on me and is harassing me about my loan which will soon be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
For the past 20 yrs I've been paying on this lemon called a mobile home. 20 yrs. Now i done paid the mortgage and then some they still sending letters not statements saying i owe monthly note of such and such. Then the next month they would say i don't owe anything. Then the next month they'll say i owe this. They'll send people in my yard or stand in front my home or go on the next lane and take pictures of my home to intimidate me. I've been stressed and depressed enough with this trailer company. Not only is they doing dirt they doing the most dirty work when we first got the mobile home XXXX XXXX came to my apartment to sign papers cause my dad was too sick to leave the home my dad was on his death bed i literally had to hold his hand to sign the paper, the trailer is in my dad name who died 3 months prior to moving in here not only that. The trailer people switched the trailer behind our backs saying my dad and i had too much money combined to get the mobile home i picked out. I had picked out an older cheaper model but they changed it without our consent. As they was setting the trailer on the property i was told they need XXXX to finish setting up. Money had to come out my pocket. Over the years I've been assaulted, insulted and intimidate by these trailer people. Whom refuse to give me the title for this mobile home. 
They also changed their company name over and over from XXXX XXXX to greentree to ditech now shellpoint in order for me to keep sending money saying this company did not receive payment or that company did not receive payments can you please help me. I'm tired, I'm tired of being ripped of. I am XXXX  so if you have to contact me please contact me at this email XXXX these people also changed the account number numerous times

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, unemployment transferred my funds to XXXX XXXX, the issuer of the cash app card, they sent it to an old account that I no longer have the login information to, I ask them to send it to my current account I sent them the trace letter that unemployment sent me that states where the funds are the account number and the amount I gave them my current cashapp info and they still refuse to see my money please email me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On XX/XX/2016 and XX/XX/2016 my account shows that it was 30 days past due two different Time. This is very inaccurate and I have contacted XXXX XXXX about this late payment and I was told to call the credit bear. I filed a dispute with the credit bureau and the inaccurate report is still being reported on my credit report.I have never been late on this account.

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 2021-02-26 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: Synovus Bank
State: GA

Complaint narrative:
A fraudulent account was established by ! st. XXXX personnel agents. A charge of {$1500.00} on a fraudulent account was fraudulently reported as my account. Never was such account when on my account I closed I only had a {$300.00} limit. This was an XXXX account that I NEVER had. This report is hurting my progress in escalating XXXX XXXX  and from such XXXX profiling my credit score has gone from XXXX to XXXX am a XXXX XXXX XXXX XXXX XXXX and this scandalous act is unwarranted. I request an internal investigation and compensation that has clearly erupted my XXXX ... Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I am not aware of this account, please remove it from my credit file. I am not sure how?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-02-26 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received multiple student loans under Navient from XXXX XXXX XXXX XXXX in XXXX for their XXXX  program. However, in XXXX the school was shut down and I was unable to finish their program to get certified and was left to pay off the debt of {$30000.00}. These types of schools are prey on low income community members to incur big debts and no certifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I believe I qualify for this settlement. I was a subprime customer, high-risk for defaulting my loan. I had a really low credit score that was denied by every bank but Santander. Santander wrote me a contract with a 24.99 % APR, knowing very well that I would most likely have to default. Well come the pandemic, I missed some payments and without hesitation they charged-off my loan. It doesn't end there, after writing off my loan, they continue to request payment with interest, so that I now owe the money for my loan and apparently am expected to pay them as well with interest, but they confirmed they wouldn't report my payments to the credit bureau. My credit score is ruined, I am in debt, and I don't understand how I would not qualify for this settlement. They ruined my life. I now have a derogatory mark on my credit for seven years, where I can't get a loan for anything as of now to better my situation. I'm stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: I.C. System, Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

I C SYSTEM I C System, Inc. 
XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Around or about XX/XX/2016 I had a credit card with Navy Federal Credit Union that was maxed out and I could no longer afford to pay the debt. I closed the account and I have since supported myself from both VA benefits and financial aid. Additionally, I have an account with this same institution that both me and my ex husband share to allow for the transfer of money to one another for the purposes of child care. That account has been the primary account that my benefits have been put into and only had {$210.00} prior to this incident. Recently on the XXXX of XXXX I received a payment from both the VA and XXXX that went to my University and my University forwarded the remaining balance to my account. The amount that the VA sent was {$5000.00} for XXXX VA benefits and the amount that XXXX sent was {$5100.00}. After the University deducted the cost of school they forwarded the remaining balance of {$5000.00} to the account on file. The next day on XXXX XXXX there was an adjustment to the account for {$3100.00} leaving only {$930.00} due to two previous transactions pending for {$1100.00}. Upon calling my financial institution I was informed that it was for the closed credit account and there was nothing they could do. The next day on the XXXX of XXXX I called again to inform them the money was both from VA benefits and government assistance and explained those funds should be exempt. I had even faxed proof of the funds origination. Neither of these calls were easy. I had to explain both my financial and personal situations to the Counselor multiple times and I was told that the funds in that account were not being used for school anyways. I explained that I dont possess a card for that account and my ex-husband uses it. They accused me of not speaking to them and I told her I had just talked to a rep who called me and it should be on file and she said that didnt matter. They proceeded to tell me after I sent proof that they would give me half back if I could commit to a payment plan and I again explained that even if I did that I couldnt pay consistently. The person I spoke to was rude, condescending and disrespectful and I dont believe she handled the situation within the bounds of the FDCPA. Furthermore I believe that the money they garnished, set off, or adjusted was exempt from them being able to do so. Now I am reaching out to CFPB to address this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I discovered this morning that my credit score decreased by 45 points so I started investigating what happened. TD Auto Finance, with whom I have two auto loans, apparently reported that I missed a payment on one of them. Since I pay by auto draft for both loans, I reviewed my bank account for the past few months and confirmed that all payments had been made. So I called TD Auto Finance and found out that the missed payment happened in XXXX on my XXXX car, and that I have been charged a {$21.00} late fee every month since and now owe {$680.00} in late fees. I have never received a statement for either vehicle in the mail on in an email. In XX/XX/XXXX, I missed a payment on my other vehicle, a XXXX car, and TD Auto called me and I immediately paid it with a debit card over the phone plus the late fee. I had no idea that I had missed a payment in XXXX on the XXXX vehicle since I never received any statements or any sort of notice of the missed payment. Yet they continued to charge each month for the late fee. Then they didn't report the missed payment to credit reporting agencies until 2 and 1/2 years after the missed payment, conveniently racking up {$680.00} in fees over the years. I have talked to several representatives TD Auto Finance and they insist that they mail statements every month, but I have never received one for either vehicle. They also insist that they report missed payments to credit agencies every 30 days which obviously they don't. I asked two of the reps to speak with their superior, and they said they were transferring me but instead both hung up on me. I am in the process of trying to secure XXXX funding for business expansion but was denied the loan I was originally offered because my credit score dropped so much while the loan was in underwriting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Someone tried to file unemployement against my name and then they opened a checking account with a debit card through chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX BOUGHT A USED XXXX XXXX FOR XXXX 6 YR LOAN MY LOAN MATURED XX/XX/XXXX LEAVING A XXXX. BALANCE I MADE 71 PAYMENTS I WAS FORCED TO DO A MODIFICATION FOR BALANCE OTERWISE THEY WILL REPO MY CAR. I CALLED THEM AND TOLD THEM THE CAR ISNT EVEN WORTH THE AMOUNT / XXXX PLUS 18 % INTREST LEAVING 18 PAYMENTS OF XXXX FOR 18 MONTHS. 
BY THE TIME I AM DONE PAYING OVER XXXX YES, I DEFER SOME PAYMENTS DUE TO WORK EMPLOYMENT AND ILLNESS REASON THIS WRONG I VE CALLED SEVERAL TIME TO SEE IF QUALIFIED FOR RESTITUTION, DEFICIENCY WAVIER OR FORGIVENESS LOAN. THEY REPLY NO I XXXX ON LINE THEY HAVE BIG CLASS ACTION LAW SUIT I EVEN ASK TO HAVE THEM REVIEW MY ACCT FOR POSSIBLE ERRORS THEY REPLIED THEY DID. I HAVE ASKED HOW CAN YOU COME UP WITH THIS FEE / I DIDNT GET A CLEAR ANSWER I AM NOT THE ONLY ONE DEALING WITH SIMLIAR PROBLEMS SANTANDER USE XXXX XXXX XXXX XXXX XXXX TEXAS XXXX PHONE XXXX

Company response to consumer: Closed with explanation