vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a customer of Capital One for over 15 years. A few years ago I signed up for account alerts to help better manage my checking account. The service provided was great because capital one would send me alerts letting me know when my balance was low and allowed me the opportunity to replenish my account before getting charged overdraft fees. Recently my account became overdrawn and I called to inquire when I was not sent an alert. The representative informed me that capital one no longer provides this service. They discontinued the service without notifying me and my accounts became negative. I requested to close my accounts and asked for time to notify all of the companies I have set up on autopay. During that time I was charged overdraft fees because the changes took time to go into effect. I requested a stop on all electronic payments until I could close the account but I was charged a few more times. I am requesting all fees be reversed and to close my account. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). I know that this will affect me with my futures credit transaction and so, I would like it to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I XXXX XXXX Have Received a Loan from XXXX on XX/XX/2021 they have not even received the first payment yet and they automatically sold the loan to another company and my original rep will not even pick up the phone. After everyone set me up the loan was approved no one wanted to help. I was stuck and my service rep new I was stuck without a house. I had a pre approval for 3.99 % and Last Minute a week before closing escrow they told me I was not approved and charged an extra {$30000.00} and raised the interest to 4.89, They Knew I could not back out because I has already had paid a {$30000.00} contingency which is non refundable. I really wish they never gave me a preapproval. I could not sleep at night because of the way they set me up. I would talk to the Loan officer everyday so he knew me very well. The payment they showed doesnt match what they told me and emailed me on paper. I was also told that I would receive a check for all of the over payment I made and still havent. The house I purchased was for {>= $1,000,000} in reality with closing coast they charged me almost {$100000.00} For closing that is straight getting robbed I understand people need to make money but there was no honesty. I am a little bit old fashion and I trusted what the loan person told me but now im the one getting handed to from all ends. The money in escrow shows XXXX, but XXXX has can canceled and put a stop payment for XXXX and when I asked the Rushmore rep could not tell me, the question is where my money went and why is my loan much higher. I have paid for the whole year of full coverage insurance and still getting charge. In This loan Amount I has been charge twice for things that have already been paid I believe it is Rushmores fault for taking new loan they have no idea about. Rushmore rep told me to call XXXX and resolve it. In the loan the three months taxes were paid up front so the first three payments are supposed to the lower than XXXX in reality if everything was really paid up front which XXXX didnt, the first 3 months payment is XXXX. XXXX has to Put the XXXX back into escrow why are they stopping payments on what was paid and in the loan. Also XXXX which XXXX could not closes on time my reps XXXX XXXX and XXXX XXXX that they would reimburse seems like also the put on the loan. I want to see the trace of where all the money went. This Loan amount is the wrong amount they still charge me for the things I already paid for like appraisal, insurance, tax and other fees I want you guys to go over it and fix their mistakes. If Rushmore wants to take responsibility for the loan I need answers as soon as possible so I know if I need to take legal action this in not my first loan but first time dealing with two mickey mouse companies. I have already reported to the Consumer Finance Protection Bureau and ready to take a lot more steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: FL

Complaint narrative:
THE ACCONTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFTI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I always keep track of my spending and know how much I have in my account. I never authorized bbva to pay everyday debit card transactions. If I didnt have enough it shouldve declined the purchase but it didnt. So they reordered my transaction causing my account to go negative. My posted balance - {$2.00} and I was charged an overdraft fee of {$32.00}. This happened to me many many times and they refused to refund. I have no choice to to ask CFPB to step in and help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management XXXX. XXXX XXXX XXXX XXXX, California XXXX NMLS ID : XXXX They are reporting false information on my credit report, i never had third debt or did business ever in my life. When I called to find out more information about this debt o was told a third party ( true accord ) ( XXXX ) XXXX XXXX has the debt whom i never did business with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
after receiving numerous monthly invitations to convert a Citi Simplicity card that I have with the card holder to a Citi Double Cash Rewards card offered by the card holder. whose invitation clearly states no credit inquiry or application required to switch to the new REWARDS card. After going online to the card holders portal it redirected me back to my current held card account once I plugged in the requested information I was immediately congratulated with a New card not a conversion of my old card to the new card. The new card provided a lower credit line than my current card plus it gave a higher interest rate than my current card or even higher than the invitation received? I contacted the card company to inquire about my credit being pulled when the invitation clearly states it would not be pulled or no inquiry made! I was instructed to write a letter disputing the credit pull or inquiry only to receive a letter back one asking for my SS #? Then another letter received stating the credit inquiry was necessary to issue a new card when I again I pointed out there was only suppose to be a conversion of the old card to the new card not a completely new card issued I noted that the interest rate differs from 13.9 to 16.9 on the new card issued from what the invitation states by the card holder Citi. I am perplexed because I did not want a new card simply convert the old card to the double rewards card as the invitation clearly states. Citi Cards Cbna XXXX XXXX  XXXX XXXX XXXX SD 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 non-monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
To whom it may concern, Im a co-signer on my sons private student loan for {$21000.00} signed on XX/XX/XXXX with XXXX XXXX XXXX. When I was contacted sometime in XXXX by as far as we know XXXX XXXX XXXX. I never received and documents as a co-signer that the loan was approved. And how can someone in my condition at the time being on medical leave and applying for XXXX and no retirement fund and filing for XXXX even be approved to be a co-signer? My son did not make any payments at some point for some years and the loan went into default at this point and with interest the new balance was {$24000.00} due at this point. Many of loans by this entity have been dropped due to false documentation that we can prove. I let them know I was not working and filing for XXXX, I asked them to stop calling me, however, the calls just got worse. I was told how they would garnish my wages or put lien on my house for refuse to make a payment and the person started pressuring me with credit cards I had. I had medical issues that they took advantage of. They stated if I get off the phone I was refusing to pay and that I have credit cards that could be used and a monthly payment was agreed upon. Why are they not collecting from our son for this loan? Our son remarried and changed his last name to XXXX to avoid paying this debt. He has a job with the state as well. 
We tried to make an offer to settle and it was turned down. They harassed me for 3 hours over the phone until I agreed to monthly payments of {$150.00} and made payment on XX/XX/XXXX for {$3000.00} on my credit card they said that was not acceptable. My husband then got involved as a XXXX veteran and took {$6000.00} out of his XXXX to bring the loan up to date. Then they cancelled the monthly payment agreement for {$150.00} and changed it to {$300.00} which our son could not afford. Now they are stating the last payment was in XXXX which is not true as the two payments above were made in XXXX. Then in XXXX they contacted me again to pay the balance and they were advised I was on XXXX and unemployed. Then XXXX XXXX XXXX  XXXX had me served with a summons and took me to court to put a judgement against me in XXXX. Now they want {$30000.00} to complete the loan. I never received notification that loan was even approved or payment agreements. Considering the multiple agencies trying to collect this loan I just feel Im being taken advantage of as I was only working part time and my husband did not co-sign either. 
These types of student loans are not covered under and government assistance either. All loans for college students should be included to be equal and fair to all students. 

Thanks for your time and consideration, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Randolph, Boyd, Cherry and Vaughan
State: VA

Complaint narrative:
I contacted XXXX XXXX XXXX to discuss a account that was reporting on my credit report from an original creditor of XXXX XXXX XXXX. I was told I would need to speak with Randolph, Boyd, Cherry and Vaughn to discuss account. I called the law office of Randolph, Boyd, Cherry and Vaughn and was advised that the amount due was {$3700.00}. Which was different than the amount showing on my credit report which was {$6100.00}. I was told by XXXX, ext XXXX that they waived the administrative fees and I needed to pay {$3700.00}. They also mailed me a letter confirming this amount that was due. I paid that amount and received another letter stating they were going to close the account. That letter was dated XX/XX/XXXX. The balance updated on all three of my credit reports to open account with a balance of {$2400.00}. I called XXXX XXXX XXXX and they stated they could not update it needs to be done by Randolph, Boyd, Cherry and Vaughn. Then I called Randolph, Boyd, Cherry and Vaughn and they have said they do not report to the credit bureaus it needs to be fixed by XXXX XXXX XXXX. I am tired of going back and forth this has caused so much XXXX XXXX and health problems in my life dealing with this agency. On my credit report it says the balance is owed to XXXX XXXX XXXX and they are refusing to update my credit report to reflect the account is closed after I paid through the steps that they requested I go through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/XXXX - payment of XXXX was made XX/XX/XXXX - said payment was returned ( was NOT notified until XX/XX/XXXX that the payment was returned ) XX/XX/XXXX - Credit card by PNC bank SHOWED that I had XXXX of credit. 
proceeded to use the card during the month. 
XX/XX/XXXX - after 24 days notified that the card was over the credit limit. 
XX/XX/XXXX - credit card revoked for being over the credit limit XX/XX/XXXX - spoke to PNC credit card department - XX/XX/XXXX - payment of XXXX to settle the credit card made. 
XXXX - spoke to PNC CC department / manager to resolve the issue. PNC would not reinstate the card or give an answer why it took 25 days to notify me of the payment not going through. PNC takes NO responsibility for their actions. 
XXXX - spoke to PNC Audit department - revoked due to the payment being returned and spending habits. deemed too risky. 
XXXX - seeking to " pull back " the most recent payment of XXXX - if I can't use the card might as well put the XXXX to use elsewhere and just pay down the card gradually. 
I might pay XXXX back but certainly the XXXX can stay in limbo. 
NOTE : PNC should take responsibility for NOT notifying the consumer ( ME ) of the payment not clearing in a sufficent amount of time. They need to take responsiblity of anything over the credit limit since THEY / there systems did NOT reflect the the balance correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/XXXX we purchased a used XXXX XXXX XXXX motorhome. Purchase price {$170000.00}. We financed {$61000.00} with US Bank. On XX/XX/XXXX we paid off the remaining finance amount of {$56000.00}. When we applied for the loan in XXXX of XXXX, the dealer ( XXXX  XXXX in XXXX, NY XXXX had the wrong vin number on the paperwork. We can not get the title from US Bank. They are saying they don't have the title. I spoke with the Pennsylvania department of transportation. They confirmed they sent the title to US Bank. I have spoken with US Bank numerous times since XXXX, explaining about the wrong vin number. They apparently won't even look for the title with the correct vin. XXXX will not give me a new title without a lien release. I don't have a lien release with correct vin number, only one showing wrong vin. Have attempted to talk to supervisors at US Bank several times and only get voice mail with no return calls. The agents I spoke with at US Bank say they can not call the " company '' that retains the titles. They can only send email requests for the title. They only receive refusals to their requests for the title. I am at my wits end. We have a fully paid off expensive motorhome, but can not get a title. Please help! Thank you, Attaching copy of loan document, Bank statement showing payoff, and lien release we received with wrong vin number.

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 non-monetary relief
Consumer complaint received 2021-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to a garage on XX/XX/2020. tried to fix my car. The mechanic couldn't figure out what the problem was but still asked me to pay the inspection fee. I asked him how much he said {$25.00} but the bill was actually {$120.00}. I didn't sign the receipt and they didn't even give me a receipt. Basically I didn't authorize the payment, so I tried to dispute this to Bank of America twice but they couldn't do anything to help.

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 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST
State: KS

Complaint narrative:
I started the process to refinance my home mortgage on XXXX. I have my current mortgage with Bank of the West and have had it for probably twenty years. I am going through Bank of the West also for the refinance. The first loan application was emailed to me on XXXX. The load officer is XXXX XXXX XXXX # XXXX. Thirty days passed and when I called XXXX to ask the status of my loan he told me that application had timed out and he needed to resend the exact same file so I could resign it. The application he sent had several increases in loan costs for me and I questioned these. He then admitted that the original values were incorrect and that is why he submitted a new loan application on XXXX. He lied and said the first application had timed out over thirty days but in reality he held on to the application because of his mistakes. After arguing with him he finally submitted a third loan application on XXXX for me to sign through email. There are still values on that application that are not correct and he has told me they will get straightened out. He is charging me a refinance fee to correct his mistakes. I argued with him and said I should not have to pay for his time to correct his mistakes and he said if I don't sign the application I will not get the loan. He sent me a Loan Disclosure form supposedly with the final numbers and there are still mistakes. I do not get anywhere with him when I speak to him on the phone or through emails. I am livid with the fact that it has been over 14 weeks since I started this process and it still is not done. The loan application was only good until the date of XXXX which has passed. XXXX said that date can be extended by I believe he is stalling on purpose. All of our conversations and emails are recorded and I want some kind of assistance to get him reprimanded for the lies and deceit. On XXXX the loan processor XXXX XXXX called me and I complained and told her I was going to file a complaint against XXXX XXXX. I am sure he has heard this and now I am being ignored and doubt my loan will ever get processed. Every time XXXX calls she asks for information that I have already given her or XXXX and sometimes I am asked two or three times for the same information. I need help from someone who can review all the paperwork and telephone recordings and emails and get this process done. I am getting physically sick from the extreme stress and incompetence from XXXX XXXX. Please help. Thank you.

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