vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2020. I applied for a second mortgage with Discover Home Loans application number XXXX they told me I was pre-qualified after submitting my income. Additionally they ran my credit ( hard pull ) and then asked for mor documents that were not listed in the discloser like ; they had me submit 3 years of XXXX instead of the two pay check stubs they advertised. Additionally they had me submit numerous documents and on XX/XX/20 they called me and told me that they were upping the interest rate from 4.99 % to 8.99 % because they didnt realize this was a second mortgage. Additionally when I complained about this they said my debt to income was not within their guidelines but couldnt explain this because I make more money than was required.. I want an investigation into this and request at the end of this your agencies help in removing inquiry on my credit bureaus from theses people. I have a few emails but Im absolutely discussed by bait and switch for two reasons 1. This could happen to others 2. By them pulling my credit and doing the bait and switch I have to wait for those 10 points to rebound before I can apply again with another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I have a mortgage with XXXX XXXX and it is serviced by Loan Care. I have been trying to get a pay-off statement for over a week. The web site request does not work ; I have been cut-off in numerous phone calls or transferred into a dial tone by surly and uninformed " customer service '' reps. I just want to pay off my mortgage but this company 's systems ( phone and web based ) are so poor that I have been unable to even get a pay-off number. This is a blatant attempt to continue to extract mortgage interest from me. There must be a solution but the company is so poorly managed that it is impossible to find it. I do not know where to turn. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife, whom Im a joint signature on her checking account, got scammed. Someone hacked her works emails, pretended to be her boss, and emailed everyone asking for someone to buy XXXX gift cards because he was at a board meeting. She went to XXXX got the gift cards, sent them to the imposter. I called Fifth Thirds dispute team who directly refused to file a dispute, saying because she went willingly to the store, theres nothing they could do. Were two broke teachers and the bank refused to help in a fraudulent scam. We lost {$400.00}. Im sure the bank is insured for scams, of which we have the documentation to back it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: Credit Bureau of Carbon County
State: CO

Complaint narrative:
I recently had a medical collection put on my report that i never even received a bill for. I was never contacted by the hospital that anything was due or the collection company or i would've paid it. I only noticed it when i went into get a home loan and saw the collection on my credit report.I immediately paid in and explained to the company that this was a mistake and needed to be removed since i never received a bill for it. It is costing me huge emotional and financial distress over not getting approved for a home at the best interest rates. They agreed on the phone that they would remove it but 60 days later i have disputed it with the company as well as the 3 credit bureaus and it has not been removed. Please help me to fix this issue as this was even put on my report thru mistakes made by others who had my wrong address or phone number written down and never received a bill so i shouldn't be the one that has to suffer especially since i paid it immediately after finding out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: IL

Complaint narrative:
The credit card company is Capital One. I have been paying the 30 % interest rate since I missed a payment last year. I was told they would review and lower my rate in 6 to 12 months when I called last year. 
I called two weeks and one week ago to request lowering my interest rate. My payments since 8 months ago have been on schedule. I was told they can review it in 4 months, both times I spoke to their supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
On XX/XX/20 I purchased a money order for {$990.00} to pay my rent for the month of XXXX. In early XXXX, I learned that the money order was fraudulently cashed because my management company informed me that they never received my XXXX rent. I immediately went to the check cashing place where I purchased the money order, to request the status of said money order and a copy to prove to my management company that a money order was purchased to pay for my XXXX Rent Statement. Upon receiving a copy of the money order i immediately noticed that the original payee information that was written by me, was clearly altered because I made a copy of the original money order before mailing it out. After learning of the fraud, I brought it to the attention of XXXX, the store manager, who at first shrugged it off and stated that my management company probably altered it. I filled out and notarized an affidavit as instructed by XXXX and mailed it out to the address that she provided. A few weeks later, XXXX calls me stating that my affidavit was not received and i had to complete the entire process again including re- notarizing a new affidavit. Its important to note that XXXX asked me to leave my home in the middle of a pandemic ( COVID-19 ) to complete a process that I had already done almost 3 weeks prior. I demanded that this situation be escalated to the regional manager because the store manager was clearly incompetent. Its been over three weeks since I was told that I would receive a follow up call from the regional manager and nothing has been 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 monetary relief
Consumer complaint received 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, This certified letter is to notify you that I believe I have been a victim of identity theft. Please VERIFY the following accounts, THOSE following items do not belong to me and is a result of fraud XXXX XXXX   Credit limit {$300.00} Opened XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$2200.00} Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$16000.00} Highest balance {$21000.00} Monthly payment {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Amount past due {$0.00} XXXX XXXX XXXX Account Number XXXX Account Type Individual Date Opened XX/XX/XXXX Status Closed.

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Your system will not allow me to upload as many files as I have for a prior compliant. 

I want to upload all the files relating to the issue- and the complete file is over 39 MB. 

And all three, XXXX, XXXX  & Equifax  will have all the files pdf format, in completeness, giving them proof of my identity, and credit history with accuracy. 

Hopefully they will have some common sense to correct the Credit Report and generate a credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: NY

Complaint narrative:
I have requested Experian to fix this issue several times and they continue to ignore my request. These inaccurate reports are damaging my credit score that is extremely stressful, embarrassing, and this is causing financial harm to me and my family. Even if I have been disputing these accounts since XXXX and they do not care to continue to report the way they wanted it to not following my FCRA right. The items I have identified are : XXXX XXXX XXXX. First Reported date was changed from XX/XX/XXXX after dispute they reported XX/XX/XXXX how are they still changing, they never performed a full investigation. 
2. Credit limit not reported - missing incomplete 3. Terms, not reported- missing incomplete 4.  Inaccurate high balance- only balance listed is XXXX 5. Date scheduled to keep on record was changed.. they 1st said that the account SOL is on XX/XX/XXXX after dispute they changed it to XX/XX/XXXX. 
6. How can I verify the SOL of the account if only one information provided on the payment history. 
US DEPT ED- XXXX 1. The tax return was garnished to pay this debt. why is it not reflecting? Reporting inaccurately XXXX XXXX 1. Incomplete reporting. The payments from XXXX, XXXX, and XXXX of XXXX are missing. This is score manipulation because there were on-time payments being omitted. This omission of fact is a violation. 
2. The date of payment received is updated BUT there is an " ND '' listed in that field instead of figured. 
I am requesting that this item be deleted in order to adequately reflect my true credit history.

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 2020-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
First things first, i dont believe that this company employs one respectful person. On XX/XX/2020, I called the company to pay my debt in full. I made sure to ask that a receipt be emailed to me, and was reassured that one would be sent between 24 to 48 hours. The full balance was taken out of my account, and I have yet to receive any confirmation or receipt that states my debt has been paid. I need this so I can apply for an apartment.

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a collection company reporting on my credit file that actually reaged a very old debt. They have it appearing as though the account just went to collections and there that is not the case. There has been no service with the original company for over 7 years. This I thought was illegal. The name of the company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2020, The Internal Revenue Service deposited funds from the Covid 19 stimulus payments in the amount of {$2200.00} via direct deposit onto my XXXX XXXX  XXXX American Express card ( The last 8 numbers on the card- # XXXX XXXX  ). XXXX XXXX  XXXX currently has these funds and has refused to make the funds available to me & has failed release to monies to me -yet XXXX XXXX XXXX continues to collect interest on this {$2200.00} everyday passing day that the money is held. I have called XXXX XXXX  XXXX customer corporate number at XXXX One hundred & forty seven times since XX/XX/2020. Each call XXXX XXXX XXXX system automatically forwards me to the IRS phone number which no live agent answers and hangs up after 2 rings. XXXX XXXX  XXXX is causing me extreme financial hardship. I am unemployed due to the pandemic & am in desperate need of my funds. XXXX XXXX XXXX is holding my monies without allowing me access to my funds. XXXX XXXX   XXXX is also refusing to provide an available banking agent to address my concerns by phone.I have also called American Express the card issuer who informs me to contact XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This Kohls credit card account says on my credit report that its Capital One. Capital One has no record of it. Kohls has not record of it. How in the world do you handle misleading information? So unprofessional. This is fraud. I do not owe Kohls or Capital One for this on my Credit Reports. Careless use of my personal information. Inaccurate credit reporting on my credit report. No information provided and I was never notified of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I had a vehicle financed with Toyota Financial. I was offered a much better rate by another lender to refinance. They received the payoff and officially closed the loan on XX/XX/XXXX. I had a payment due on XX/XX/XXXX, and because I didn't want it to impact the refinance, I paid it ( {$430.00} ). Because it was after XXXX EST ( I'm MST ), it didn't post until XX/XX/XXXX. Within 4 days, I recieved the overpayment the refinance company paid, which amounted to roughly {$45.00}. I waited to recieve the overpayment I made with the final payment, but it did not come. On XX/XX/XXXX, I reached out to TFS ( they had shutdown email complaints on their site ). I was told that because the account was closed, the money was just sitting in limbo, and she made the request to have it released. On XX/XX/XXXX, I still had not recieved the overpayment and I called TFS. XXXX informed me the funds had still not been released, and no check had been sent. She made a request for it to be released and sent by XXXX. On XX/XX/XXXX, I called to see if the check and funds were released. I escalated the call to XXXX, a resolution specialist. The check had still not been released and she told me it may be 5 more business days to process plus transit time. At this point, I don't see ever getting my funds back from TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I filed a police report for identity theft called and talked to the company about this debt company agreed to removed after providing them with proof such as current address and police report I did so and didnt remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I had a dispute with my bank in the middle of this pandemic and got the courage to report them to the XXXX  after retaliation towards me due to my expressed opinions on a social media platform. Yes, social media is that powerful! 

Anyway, follow me I made an announcement on linked in asking for help about issues that I was having with usaa because they were tampering with my account. They have recorded calls, I do too. 

After the announcement, funds were stolen from my account. 

I called usaa and said where are they, they told me they dont know and they cant help me! Ok, ok, ok but wheres my money? 

I filed with the XXXX, this was XX/XX/XXXX. In the middle of a pandemic. Picture stealing from your poorest customers as retalion because she cursed you out on the phone after your stole from her the first time. 

Here 's why I'm here They refunded the total amount of money per the XXXX  as they were found to be in the wrong BUT During the dispute, they blocked me from paying down the negative balance on my account, thus calling it a charge off. They plan to report the account as charge off on my credit. 

Here 's where they went wrong, I linked my USAA account to my new bank so I could see what they were doing. I have the screenshots and pictures! The rep lied and said the account was closed, guess what it's still opened!!! I'm looking at it right now! The public wont see this but the CF has an uploaded copy of my account info as of today! 

As a XXXX  veteran I wondered how could someone that I dont know hate me so much to did this? Just because I spoke about being tired of not getting my disputes handled, JUST TO FIND OUT THAT I WAS RIGHT! THEY RECENTLY LOST A SUIT AND HAD TO PAY MILLIONS TO CONSUMERS FOR NOT FILING THIER DISPUTES. THIS WAS THE REASON I WENT TO THE XXXX. I HAVE BEEN FIGHTING THIS ISSUE WITH THEM FOR 5 YEARS! RANDOM TRANSACTIONS WOULD DISAPPEAR FROM ACCOUNT AND NO ONE AT THE BANK COUKD HELP ME. IS THIS WIERD OR IS THIS XXXX NOT RIGHT!? WHICH ONE?! 

To add injury, I have the screenshots of the email that the executive team sent to me about my stimulus checks being in the closed account. What a way to treat a consumer. So now I have to wait until they decide to send it back to the IRS or if their going to steal it. If you're reading this can you find my funds. Thanx! 

I respect the banking industry so much that I got XXXX XXXX in it. I am not a fool and this was an overt act of retaliation. But why did it take all of yall against me and I still got my money back?! That means, either their are people in the system that are good or consumers are more powerful than we think! I am not a fool. There is always more good. XXXX is never supreme and dont live long!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a collection company reporting on my credit file that actually reaged a very old debt. They have it appearing as though the account just went to collections and there that is not the case. There has been no service with the original company for over 7 years. This I thought was illegal. The name of the company is XXXX XXXX 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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a collection company reporting on my credit file that actually reaged a very old debt. They have it appearing as though the account just went to collections and there that is not the case. There has been no service with the original company for over 7 years. This I thought was illegal. The name of the company is XXXX XXXX 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