vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC
State: CA

Complaint narrative:
I applied to refinance my house middle of XXXX via a known broker in the area ( XXXX XXXX XXXX XXXX ). After shopping for the best option, they recommended to go with Sprout Mortgage. The application was approved around end of XXXX and final clearance met with all conditions removed ( ready to close by XX/XX/XXXX ). This is when the problems started.

Sprout Mortgage has completed stopped communicating back with my broker and me. They are no updates on when I will be closing on the approved application. We spent hours going through this process and after 2 months of pain-staking efforts, providing countless documents and meeting all conditions, the lender has completely gone silent. Can you please help?? Thank you.

NMLS Info for Sprout Mortgage # XXXX Sprout CA DBO License # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
I sent in a 30 day demand letter on verification of data furnisher reporting on my file and method of verification. I obtained a letter from the reporting data furnisher stating that they do not report information to the credit bureau reporting the information and the credit bureau sent a item verified letter from a reporting company that i had my files suppressed and froze via a certified letter from LexisNexis. see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: DISCOVER BANK
State: NC

Complaint narrative:
Earlier this summer, my wife and I were planning to fly to XXXX on our first vacation in five year years. We have been saving for some time for this trip, and unfortunately, due to COVID-19, we were unable to fly to XXXX as all domestic travel was grounded. 

Our airfare was {$2100.00} and we have uploaded the supporting documentation to Discover Card Services, which they requested that the airfare was handled by XXXX XXXX. XXXX XXXX, who we booked the travel and airfare insists that the chargeback was sent to Discover, and Discover claims to have no record of it.

First, Discover stated that they in fact did have the money, but we needed confirmation it was not to be sent back to XXXX. Then, Discover claimed we needed to provide proof that the {$2100.00} was in fact for airfare. Then, Discover claimed we needed to provide proof that we had requested a refund from XXXX. Then, Discover claimed we had to provide proof that XXXX did not have our money, which amazingly, XXXX was able to provide in the form of written documentation. Then, Discover claimed we had to provide proof that we were due a refund in the amount of {$2100.00}, which we were able to provide. Then, Discover claimed we needed to provide this proof not through our travel agent, who booked the airfare on our behalf, but through XXXX, which we were able to do through proof of a partial refund for other expenses. At each point, we have requested the same thing, the {$2100.00} charged be removed. At each stage Discover has refused to comply. 

Please intervene to remove the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 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: American Enterprises International, Inc.
State: AR

Complaint narrative:
American Enterprises I begged the reps to come pick up the vacuum cleaner for months. They continued to try to sell it to me after I consistently told them I didnt want the product. Several months later they decided to come pick it up. They then charged me for it and reported it as a delinquency on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I do not know how Penn Credit Corporation obtained my information. I've never resided in Pennsylvania and I have attempted to identify the breach of my information. I have also challenged this derogatory with the credit bureau 's who validated the debt without investing at all, rendering a verdict within days ( Report NumberXXXX Date generatedXX/XX/2020). According to FCRA I am entitled to due process in reference to Pennsylvania law should not reflect due to statue of limitations. I've never received literature to upload on this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has not provided me with an XXXX billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. U S DEPT OF ED/XXXX/XXXXL with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent CERTIFIED letters out over 60 days ago and have yet to receive a notification. As a consumer I feel like these people dont care and are taking advantage of me. Also, THIS IS ME THIS IS ME THIS IS ME!! DO NOT SEND ME A VAGUE STANDARD RESPONSE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Security Finance repeated called me on my phone and left voice mails and refused to stop after I told them I was filing for bankruptcy ... These  phone calls were so awful that I had to reach out to corporate to get them to cease and desist excessive harassing phone calls ... I still have all their voicemails it was an awful ordeal..

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 2020-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I think the credit bureau needs to remove debt from credit file ASAP as to the fax that I am a single mother in need of a place to live and needs this debt to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have been a loyal customer of Macy 's for a long time. I make my payments on time always. I was very ill with COVID-19 in XXXX and XXXX but have continued having memory issues and health issues. I thought I had made my payment already to Macy 's. I didn't receive a courtesy call but instead had my credit score ruined because of a missed payment during my recovery. I have paid off the card and will likely terminate my business with Macy 's because of this.

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 2020-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I had a truck fianced with Chase Bank and the vehicle was totaled in XX/XX/2018. I had full coverage insurance and also gap insurance on the vehicle. My insurance company paid most of the loan off but then I got late payments on the loan because they didn't tell me what to do about the gap insurance.. After getting the paper work to the gap insurance company they sent the money to Chase Bank and now the loan is a charge off on my credit reports and they won't take them off.. the company was paid for the vehicle

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. U S DEPT OF ED/XXXXL/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-09-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am unable to collect {$600.00} bonus offered as a new chase customer. I went into XXXX branch with bonus offer on XX/XX/XXXX. My banker was XXXX XXXX XXXX. Prior to opening accounts with him I pointed out fine print and asked him to confirm if I am eligible since I did not remember when I closed my last account with XXXX. He pulled up my information and told me to wait while he confirms with the manager. When he came back he told me I will not have an issue collecting a bonus. So we proceeded and opened chase total checking and XXXX savings on XX/XX/XXXX. I set up direct deposit from my job and deposited {$15000.00} cashiers check on XX/XX/XXXX. I have not checked if I received a bonus till XXXX, this is when I found out that I did not. Since then I had multiple conversations with my banker that they were trying to submit for bonus but I kept getting denied. The explanation I received in last conversation went pretty much like this. Him You were denied because you closed you last account in XX/XX/XXXX and it went less than 2 years since then. Me : I have asked you specifically about this fine print and asked you to make sure I qualify, and you went to a maneuver and came back with good news that I qualify. Now I had my money locked into to you bank while I could be earning better interest somewhere else. Him : I understand, but when we opened account there was no issue, it is a back office, it is not us. Me : So Im not getting any bonus, even that {$100.00} bonus for opening both accounts together that you printed out for me? Him : No. So I dont know what happened, but I started reading posts from other people and they actually get a message that does not allow Them to open  account with bonus offer Until they meet the 2 year Requirement. So I suspect that my offer was not applied to my account and I was intentionally misled, or there is a plain error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
Covington Credit refused to stop making phone calls after I told them I was filing for chapter XXXX bankruptcy ... The phone calls got so bad that I had to contact their corporate office to get them to cease and desist calling me ... Their aggressive collection activities made me sick from XXXX ... The stress was so bad for me that I developed XXXX   symptoms from XXXX XXXX on my XXXX XXXX XXXX  on my XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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:
MY CREDIT REPORT HAS ACCOUNTS THAT DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS ENDED UP ON MY CREDIT REPORT. I AM A VICTIM OF IDENDETITY THEFT. THIS IS NOT FAIR TO ME BECUASE I DIDNT AUTHORIZE ANY OF THESE ACCOUNTS OR INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently made a payment to capital one ; they have acknowledged receipt of payment, applied and posted the payment to my account ( the payment cleared my account ). However, capital one refuses to make my available balance available. I spoke to a manager, XXXX ID # XXXX XXXX, FL office who stated the following : - '' capital one has a right to place a hold on any customer 's account, at any time, for any reason. '' -When I asked to speak to his manager he said " he is the highest level of management that I'm allowed to speak to '' and " we operate a little differently here at capital one. '' -I requested for capital one to immediately release the hold so I can access my available balance and he said no and there is nothing I can do about it. The manager then told me to read my credit card statement because it is written in the statement that capital one has the right to place holds on any account, at any time for any reason ; I read my most recent credit card statement and nowhere on the statement is this language included. 
Capital one is abusing their financial leverage ; and at a minimum engaging in unethical, immoral and possibly illegal activity especially in the middle of a pandemic which has created immediate unnecessary irreparable harm to me and most likely other capital one customers! I have been a customer for years and never has capital one received, applied and posted my payment yet refuse to make my available balance available, except now in the middle of a pandemic. Therefore, capital one has an established historical operating track record of posting and applying payments then making said balance available ; the new activity is not established and is a new operating procedure which has never historically been enforced, even if it is in writing. Lastly, nowhere on capital one 's website is there a place to submit complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Metropolitan Home Mortgage, Inc.
State: CA

Complaint narrative:
I called and applied for a loan about 30 days ago. Have not heard from the loan officer about weather I could proceed with submitting documentation or denied the loan. 

He said my credit was top tier and I'd have to provide documentation. 

it's been a while since i last heard back from him and I got a phone call from the company soliciting to talk to another loan officer. I mentioned that I applied for the loan and wanted to get a call back from the gentlemen by the name of XXXX from Intelliloans. 

No response, no call back no letter of denial or anything.

Company response to consumer: Closed with explanation