vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 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: NY

Complaint narrative:
My friend XXXX XXXX is an authorized user on my XXXXapital One credit card account. On XX/XX/2021, XXXX XXXX daughter XXXX stole the card out of her wallet and at two different XXXX stores in XXXX, TX, charged 11 gift cards at {$500.00} each, for a total of {$5500.00}. 

I received NO alert either by text or email. This is despite the fact that : ( a ) Usually, an alert is sent for many simpler, lower and quite harmless charges ( b ) This activity is completely anomalous for our account XXXX : On XX/XX/XXXX, the daughter stole the replacement card, went back to XXXX, and charged {$200.00}, then tried to charge {$800.00}, but the charge was declined, and a notice sent to me by text and email. This is what should have happened in XXXX, but did not. 

After many hours speaking with Capital One 's Fraud Department, their answer comes down to : ( a ) Since it was a family member of an authorized user, the charges stay ( b ) The daughter can sign a form taking responsibility for the charges Answer ( b ) is a joke, of course - the daughter is completely unable to ever pay {$5500.00} in charges ; she is a disturbed person ( obviously ) ; moreover her mother is not anxious to press charges with the police, which is understandable. 

What the Bank has refused to do is recognize that it has ANY responsibility for the failure of its algorithm to pick up 11 charges in a row of {$500.00} each as in any way " irregular '' and perhaps subject to question - even tho on the other occasion I mentioned it immediately DID block the second attempted transaction and inform me. 

XXXX Supervisors have been entirely unhelpful. Any normal person can see that XXXX charges in quick succession of {$500.00} each on an account that had never had anything even vaguely close to activity of that nature SHOULD have elicited an immediate reaction by the computer algorithm. 

We should not be obliged to pay {$5500.00} because of the weakness of the computer system. The fact that the charges were transacted by a family member is irrelevant ; the charges themselves should have been declined and questioned after the first or second XXXX, no matter who had been holding the card. 

The XXXX XXXX XXXX Department is not helping me, despite the people as individuals being polite. We need to have the Bank remove all or most of these charges. I can not afford to carry the financial security of XXXX XXXX Bank, XXXX on my shoulders. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX - good also for texting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
On XX/XX/2021 I called Navient to get some information about the co-signer release program on my loan. At one point in the conversation, I was told incorrectly that my loans were in an interest-only payment status, which was news to me and I have never signed papers to place my loans in an interest only payment plan. I still am unsure if my payments are interest only or principle and interest. The other issue is that I am trying to find out how to release my co-signer. This loan was advertised to me and my co-signer as being a short-term obligation to co-signers. The main ad says, after so many on-time payments the co-signer is released. However I have read that almost nobody has ever been released in this program. A XXXX  in Washington State has now ruled that Navient did mislead consumers about " co-signer release '' and that the actual requirements are changing, and completely up to the discretion of Navient and not at all as simple as making " XXXX on time payments ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ROYAL UNITED MORTGAGE LLC
State: FL

Complaint narrative:
We entered into a refinance agreement with Royal United Mortgage on XX/XX/XXXX. Our Loan Advisor ( XXXX XXXX ID # XXXX ) promised a Cash Out of {$7400.00} one of the conditions requested by us in order to continue negotiation. As of today we have only received {$2300.00} and {$2000.00} for a total of {$4300.00}.

For four or five occasion we had reach out to Mr. XXXX via telephone and message with no luck. 

Last time we spoke with Mr. XXXX ( XX/XX/XXXX ) he indicated that this was a mistake incurred by his company and he will call us back to resolve the situation. 

We would appreciate if you can assist us with his situation. 



XXXX XXXX XXXX XXXX XXXX LOAN NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
never gave CPS consent to run my credit, Never signed, gave verbal consent, never heard of the company. you said " the inquiry was a result of a digital credit application received on XXXX from XXXX XXXX XXXX. 

your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I filed an dispute with all three bureaus and I have not received any investigation results.

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 2021-03-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been trying to work with Experian on removing a collection that should not even be on my credit. I had identity theft back in 2016, I filed a police report & I even called the credit bye to to freeze my credit. 
The collection went through anyways & seems to always pop back up when I dispute this matter on my own. 
I decided to give Experian a call to help me out. They filed the dispute. I also sent off my document which obtained the police report with all the information they needed. 
I received an email stating I sent a false document & that the information that is on the police report was not on the document. This was a legal document, with the police report & the case number. Obviously Experian just wanted to move along to another case & not look into my case because if this company did they would have removed this & also would have known that this in fact was a real document. I do not appreciate that I was threatened with criminal penalties, & I do not appreciate I was called a liar buy this company. 
I would like to take further action since no one is giving me any information other than a fry were looking into it the same way they would like all of my personal information after what Ive been through, I would like a little more from them!

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 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: SC

Complaint narrative:
XX/XX/21 - {$2800.00} auto drafted from account ( {$1100.00} over set mortgage payment ) XX/XX/21 - Called customer service, was not given an explanation, told that they would " look in to it '' XX/XX/21 - return call from customer service to let me know that case was opened and refund was processing. 
XX/XX/21, no refund pending, called customer service. Issue was blamed on a state of SC tax error and escrow account, no solution or ETA of refund offered. 
XX/XX/21 - called customer service again, no progress on refund. Was told it had not been processed. Asked to place limit on auto-draft at set mortgage payment, was told this was not possible. Asked for email documentation of my requests, was told this could not be provided. 
XXXX- called customer service again, refund has not been processed. Asked to remove escrow from auto-draft to track taxes on my own. Was told this would be a {$700.00} fee to amend the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I sent this agency a letter to validate an alleged debt of {$96.00}. I was NOT provided with the documents I requested from them to validate the debt. Since they have not supplied the demanded proof of the alleged debt, my presumption that no proof of the alleged debt, nor therefore any such debt, in fact exists. Under the Fair Debt Collection Practices Act, they are required to respond to my request for validation within 30 days of receipt of my communication. However, the debt has not been validated. Under both State and Federal consumer law I have the right to have this debt validated, and they are obligated to respond within the statutory time limit. I have also asked the agency to stop reporting to the credit bureaus until the debt is verified, however they ignored my request and continued reporting to the credit bureaus which negatively impact my credit score. This agency must cease any credit reporting actions immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

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 2021-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I dont not believe that I owe the amount of XXXX I have no knowledge of this account I believe that somebody else is responsible for this charge thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CORELOGIC INC
State: CA

Complaint narrative:
I am a XXXX year old senior and XXXX XXXX Veteran who has been waiting since XX/XX/XXXX for a refund check in the amount of {$4700.00} from XXXX XXXX. After several attempts to get the refund, I was told by XXXX from Corelogic that it will take 30 days for Corelogic to locate the check and another 10 days to process the check, then the check would be sent back to XXXX XXXX. As one who is suffering from two XXXX diseases, I made an appeal for the refund to be returned immediately for medical services not covered by my insurance. 

An error was made in paying the property taxes. My home was refinanced with XXXX in XX/XX/XXXX. Corelogic, a third-party company, paid the property taxes for XXXX XXXX when the taxes were already paid by XXXX. The taxes were paid to XXXX XXXX XXXX 's XXXX. XXXX XXXX from the XXXX County Treasurer 's Office called to inform me that the refund check in the amount of {$4700.00} was returned to Corelogic on XX/XX/XXXX. 

Why is it that a company can hold on to consumer money with no compassion for the request for the refund? Obviously, that money is drawing interest or being used otherwise!

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 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
My mortgager account is set up for automatic payments from my bank every XXXX of the month. It has been this way for years with no issues - until I received a letter on XX/XX/XXXX saying the payment from XX/XX/XXXX was not received. 

After an hour of dealing with my bank back office, I was advised a payment was in fact made on XX/XX/XXXX and verified. After a week of no resolve and constant voicemails from XXXX, I finally got thru to someone after an hour wait. I advised that there was no outstanding balance as they received the payment of {$370.00} on XX/XX/XXXX as always. I then provided the agent the banks proof info, upon which I was told I had to email the information in, yet another theft of my time. 

On XX/XX/XXXX at XXXX i sent the email, after 5 days of frustration and incompetence from the Loan company. I sent the email, got verified it was received, and heard nothing from them. The XXXX bill showed a missing payment still, so again I called for clarification. I was advised it was a crossover bill generated and that the account was fine. 

Three months later, it's still showing as missing and late, with late fees accrued and long phone wait times making it hard to get a real person. Additionally, my login information is not working, and the reset instructions are not allowing a reset for access. 

This issue was in error from the start, but the fact that 4 months of harassing letters and illegitimate fees and late status is ridiculous, being that the payment cleared to them and the ACH # was provided by bank showing the payment - yet somehow this verification has failed to ensure the XXXX company follows thru on fixing the account. Email is attached and bank clearance showing payment is attached.

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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been charged Returned item fee twice for one transaction.The total amount was $ XXXXTge date of the transaction was on XXXX.Beside that I have been seperately charged Returned item fee again for a transaction I am not aware of with amount of XXXX $ On XX/XX/2021.

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 2021-03-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been trying to get a debit card replacement since XX/XX/XXXX. The expiration date on the old card was XX/XX/XXXX and they did not send me a new card. My debit card amount was {$370.00}. 

I was waiting on a replacement card in XX/XX/XXXX and I did not receive one. On XX/XX/XXXX, I called them about a replacement card and sent them two documents with my address on both documents cus they wanted to know my new address. I worked for Experience Work ( many years ago ) a senior citizen government program to help low-income seniors. I added money to this card too and was saving the money for emergencies. 

I contacted XXXX on XX/XX/XXXX, because I did not get a new card and learned that the dollar amount on my account changed to {$360.00}. Spoke with XXXX and he said they did not receive the two documents and ask me to send them my social security card. I felt uncomptable sending them my SS # over the internet and asked what other options I have and I resent the two documents with my address. XXXX said I should get a new card in 10 days. 

XX/XX/XXXX. I called XXXX  and my account balance changed from {$360.00} to {$360.00}. Every time I call they withdraw money from my account. I uploaded my driver 's license and birth certificate as an option on their website. XXXX said they received the documents and he will make a request to replace the card and told me my options based on regular mail delivery or special delivery which include a cost and I accepted regular mail delivery. He said I should receive it in 10 days. 

As of today no replacement card for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: IL

Complaint narrative:
Flagship credit acceptance performed a hard credit inquiry without my authorization on XX/XX/2021. I tried calling the phone number provided by the alert I received number was invalid. I filed a dispute for the hard inquiry thru XXXX also put a freeze on 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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
{$4700.00} was supposed to be sent to me in a cashier check I have yet to recieve those funds. After I reached out many times telling them Close the account send my available balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Regional Management Corporation
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase VISA credit card payment was done on XX/XX/2020 for an amount of {$300.00} for a service that didn't fix the problem for which I paid for. 

I hired a refrigerator technician XXXX XXXX of XXXX XXXX to repair the XXXX refrigerator. The first visit was on XX/XX/2020 when he diagnosed the problem as being caused due to evaporator fan motor/defrost sensor. He told us that he has to order the parts and would visit us again once he got the parts. His second visit was on XX/XX/2020 where he replaced the defrost sensor but told us that the evaporator fan motor was fine. He told us to call back if the issue persisted. I made the payment through the credit card ending with XXXX on XX/XX/2020 for an amount of {$300.00}. I waited for a few days and the ice build up was again happening which made it apparent that the issue was not fixed. Ive duly contacted the merchant within 9 days of service and the merchant also agreed to come back and repair it but never responded back after that. I paid with chase credit card {$300.00} to repair the refrigerator and Ive made a good faith effort to resolve the dispute with the merchant first contacting him first. He said he will come back and repair it but stopped responding after that. We contacted him multiple times giving more than a month to respond before I started disputing the credit card charges. 

Chase, the credit card company resolved the dispute in merchant 's favor the first time. We reopened the case the second time escalating it to the executive management and someone from the executive office contacted us telling us that we are still liable for the credit card charges continuing to resolve in merchant 's favor although we clearly stated our rights that we did contact the merchant in good faith and the original issue he was called for is still not resolved. So we are escalating it further to CFPB to get a fair resolution.

Company response to consumer: Closed with explanation