vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
My loan was transferred to XXXX Bank for servicing in XX/XX/XXXX. Since then, there have been nothing but problems. The policies and procedures regarding the bank 's automated payment policy have caused me to be late on two payments XXXX in XXXX and XXXX, XXXX ), and pulled a double payment last month XXXX XX/XX/XXXX ). The bank charged late fees on top of those, and credited back one of the two fees. I had originally attempted to sign up for the automated payments, but they did not process the application, and put it into a temporary autopay status, then finally got that resolved a few months later. I worked through the paperwork again in XXXX, submitting everything appropriately, and XXXX did not process it. They sent me a follow up letter toward the end of XXXX saying that I had to resubmit the paperwork. Because I had a payment due XX/XX/XXXX, I made that payment manually. However, it appears that XXXX actually did process my application and pulled my payment in XXXX, causing me to have a double payment. I later received a statement that I wouldn't have a payment due until XX/XX/XXXX, because of the double payment. Though I was not happy with that, I accepted it without complaint. Then XXXX pulled the autopay on XX/XX/XXXX, despite there being no payment due. These sum up a host of bad practices, and XXXX needs to have some accountability in its practices. It's a clear display of incompetence in managing their autopay program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a phone call from someone claiming to be from Amazon ( XXXX ) attempting to verify a purchase for {$340.00} or to call XXXX if I did not make this purchase. 
I contacted Amazon ( XXXX ) and they verified there is no purchase listed for that amount. They said it was a phishing call, not to worry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
This collection was put on my credit reports erroneously. The company was asked to validate the debt in writing and never responded .Under the FCRA all unverified accounts are to be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a Saks Fifth Avenue credit account today precisely because I wanted to make a {$4000.00} purchase on my first day to get 10 % off XXXX their promotion for new accounts ). This promotion would also allow me to make my large purchase with 12 months 0 % interest. I have excellent credit ( XXXX FICO score ) and earn {$200000.00} in annual salary. I was approved on the spot but capped at {$2500.00} which is EXTREMELY LOW. I called and requested a credit limit to {$5000.00} but was told I was denied. Theres no reason I shouldve been denied a {$5000.00} credit limit with my excellent credit worthiness. I feel this denial was discriminatory as I have a XXXX last name XXXX XXXX XXXX. This hasnt happened to me for the past several years with my high salary and high FICO score. I closed my account on principle with the representative who informed me my request was denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019, AMERICAN EXPRESS Inquired on XX/XX/2019. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2021-02-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I refinanced my home with XXXX XXXX XXXX bank in 2012. They sold my mortgage to Carrington Mortgage company about a year ago. I have always paid more than the amount of the note when I pay my mortgage with the understanding that the extra money be applied to the principal on my mortgage. In XXXX Carrington misapplied the additional funds that I sent and applied them to the following month payment. I called them about this and they attempted to correct it but they didn't do it correctly. The same thing happened in XXXX. This time I wrote them a letter. They sent back a form letter promising to correct it by XX/XX/XXXX. They did not. Then, in XXXX, they did the same thing. This time I sent a certified letter. They sent a form letter ( identical the the first response except for the date ) promising resolution by XX/XX/XXXX. I am refinancing my house. Carrington 's errors have resulted in an over charge of interest and escrow money of approximately {$1000.00} to my account. I need their errors corrected and an ACCURATE payoff on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
On XX/XX/2021, the mortgage company that holds my mortgage Select Portfolio Servicing withdrew via checking account XXXX without my verbal consent. I immediately contacted the company to ask them to expedite the claim to return the funds back into my checking account. As a result of their error, my account was overdrawn more than {$500.00} dollars. This occurred during a snowstorm and I have two children. I had other bills scheduled to be paid that could not be processed. This caused so much stress, irritation, and frustration. I called the company several times on XX/XX/XXXX, XXXX, and XXXX. To no avail did they give me an exact date as to when my funds would be available refunded. Every time I spoke to a representative from Select Portfolio Servicing they provided conflicting information about the process for refunding the funds and could not provide a definitive timeline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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.

Complaint narrative:
Credit card details from XXXX were sent to experian, the amount did not initially match the XXXX amount that was listed in my account. The impact of this was a warning that I had exceeded more than 50 % of my credit at XXXX, which is nowhere close to XXXX. 

This was rectified back to XXXX A month later, this change seems to have been reverted, and this has once again damaged my credit. 


Both of these mess ups are in my record, they both need correcting, in accordance with financial regulation and GDPR.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I send payments through my XXXX XXXX ( XXXX ) checking account to my mortgage company, Quicken/Rocket Mortgage. I can see on my XXXX account when the payments are received by Quicken. However, Quicken doesn't seem to apply the payments timely. 

I have a XXXX account which shows " unknown '' for timely payments I made in XXXX through XX/XX/2020. All the payments were made in advance of due dates. However, when I contacted Quicken after seeing them on the credit reports, Quicken threw the issue back to XXXX. I asked Quicken to contact the credit bureaus and report them as paid timely. They indicated they don't do that!

I don't trust Quicken with what I have seen for several months on applying payments and doing it timely and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX XXXX 2021 I had contacted XXXXXXXX about collecting winning from playing games on XXXX XXXX! While talking to this gentlemen he had access to my account to use a program to verify deposit would go through using a program on his computer! At the time I was not aware what he was doing even when he had my password to get into my account at the time! I think for some reason that he was suppose to be from XXXX that it was ok! But then after a few minutes and hung up with him thats when I relized this was a scam and thats when I called the bank to close my card and then realized he had opened other account and taken all of my social security and stimulus check! I have report to the police and have tried to work with my bank about the issue and they are not working with me! I have also contacted the other account to let them know what happen and I still waiting to hear from them! No getting my money back is wrong since this was crime against me and losing that money is causing me so anger and stress and just want my money back and the bank does make this right then there are saying the theif wins again! Please help me to get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have previously submitted a complaint in this matter to Chase Bank Card Services ( Complaint ID # XXXX ). Today I spoke with " Chase Bank Executive Offices '' who referred to me to " Chase Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX and XXXX, 2020 even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " Chase Card Services  '' was misleading and unclear. My credit is being harmed by this incorrect information. Chase Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I own a vacation rental property and a man named XXXX XXXX reached out to to me through XXXX and wanted to rent my vacation home. He said his company was paying so he needed to send a check. When I received the check ( from XXXX XXXX, XXXX in XXXX, TN on a Bank of America check ) it was for more than he owed and he asked me to XXXX the difference once the check clears. I electronic deposited it to my checking account at Bank of America, it showed cleared later that day and I sent the difference of {$2200.00} via XXXX to XXXX XXXX at email XXXX, which was also a Bank of America account. A few days later, XXXX said he had to cancel the reservation because his wife got XXXX and asked if I could refund the rest. I sent the remaining {$2200.00} to XXXX XXXX via XXXX at email XXXX which was a XXXX account I think. Several days later, I got a letter in the mail from my bank, Bank of America, notifying me that the original check was fraudulent. I immediately called Bank of America to notify them of entirety of the fraud however, the funds could not be recovered from the XXXX accounts as the accounts had been closed. I feel like Bank of America had multiple opportunities to protect me during this and failed to do so. They should not have allowed me to initially deposit a fraudulent check, it, especially because this was a Bank of America check. Once they were unable to retrieve the funds from the check, they should have notified me in a more timely and urgent manner ( i.e. a phone call, email text message ) than through the mail, which would have prevented me from dispersing those funds through XXXX. Furthermore, one of the accounts that I send the fraudulent funds to was another Bank of America account which gave Bank of America ample opportunity to recognize the fraud/crime and intervene to protect me. I recently met with two agents from the Department of Homeland Security because XXXX XXXX was involved with another fraud case they were investigating and they said that Bank of America should have done more to protect me and should reimburse me the {$3900.00} I have lost.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received a letter in XXXX 2020 about Covid Relief program through Bank of America. At that time, my renters were unable to pay their rent which covers my mortgage payment on my rental property. I was not given the correct information from Bank of America that this program would put my loan into forebarance. I recently tried to refinance my current home and was told I would not be able to for 12 months because of the BOA forebarance. I have tried to work with BOA to get that removed from my credit as I was not informed it was going to affect my credit. I did not need that program and now I am unable to refinance due to being mis-lead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Last XXXX XXXX, 2020, XXXX removed me, my wife and my daughter from the boarding area of a flight from XXXX, XXXX, to XXXX, XXXX, because we were American citizens. At the time, Donald Trump and XXXX were in a dispute over whether citizens could fly back and forth, and XXXX became nervous they might be punished if they flew us to XXXX. After we checked into the flight we had paid for, XXXX called us back from the gate, gave us our luggage back ( we still have the tickets ) and sent us home ( we bought tickets on XXXX XXXX and flew the next morning instead ). 

XXXX appears to be struggling. Their website offers no human interactions, and their complaint forms don't include options that describe our circumstances. I complained using their forms but wrote in the details of what they did to us. They did not offer us a reimbursement or a voucher. They rejected my complaint. My complaint was that they removed us from a flight for being Americans. I filled out the airline complaint forms twice. They rejected me twice. 

Next, I appealed to the credit card that I used to purchase the tickets. The credit card, Capital One Visa, accepted my complaint for a reimbursement. However, they mailed me a reply asking for more information. They mailed the reply to my address in the United States ; however, I live during the year in XXXX, XXXX, where I am an international teacher, and I never received the mailed request from the credit card. 

I recently called Capital One to find out about the status of my complaint, and the agent on the phone told me that my complaint was now closed because too much time had passed. Also, the agent told me that XXXX claimed that my family and I missed our flight, and it is our fault. XXXX is lying. We did not miss our flight. We arrived to the airport on time, and they checked our luggage and issued us tickets on flight XXXX XXXX XXXX, XXXX to XXXX XXXX, seats 1A, 1B and 1C. There were no published prohibitions against Americans flying to XXXX, and indeed, we flew to XXXX the next morning. However, due to concerns at XXXX, XXXX would not let us board the flight ; they forced us to check back into XXXX, collect our luggage and go home. 

Despite sending Capital One Visa photos of our documents, including the full tickets we received ( which have our luggage tags on them ), Capital One chose to believe XXXXXXXX XXXX assertion that we simply missed our flight. 

Capital One Visa refused to reimburse us the {$280.00} that we paid to XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: MO

Complaint narrative:
Netspend has block my account and will not allow me to access my money because of a previous balance with another Netspend card I no longer have. Netspend will not give me any information Im writing stating why. I cant get my money out of the account nor access it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Starting in XX/XX/XXXX I made 8 payments through my electronic account with the Banco Popular acct no XXXX to the XXXX XXXX in XXXX against a credit card account no XXXX. This account was paid in full and closed in XX/XX/XXXX. I proceeded to contact both banks because only 2payments were returned to Banco Popular in XXXX XXXX another in XXXX XXXX. There is and outstanding amount of {$1100.00} that were never retuned or there is no evidence from my bank that show that this money was retuned, I have contacted the office of XXXX and they have been reluctant to assist me to resolve this situation, All electronic transaction should have a system of traceability and recode keeping of transactions of payments. I need a thorough investigation as to were did this money that I paid go to and be reimbursed. My original complaint was filed in XX/XX/XXXX ; XXXX no 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 monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One 360 has restricted a perfectly good working loyal customer bank account for no reason. I have been a loyal customer for 5 years now and I was surprise my account was restricted. As everyone does i have bills to be paid and my money is hold and I can not even deposit to use XXXX to send payments. I have called the company over the phone and email 10 times now and they are not doing a thing about it. I just want the account to unrestricted and working now immediately!!!

Company response to consumer: Closed with explanation