vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation
State: CO

Complaint narrative:
I closed on my home with a loan serviced by Academy Mortgage on XX/XX/2020. After closing, I called Academy Mortgage to inquire about our refund and provide a new address. We left 10 days prior to the end of the month of our last payment to Academy Mortgage, and had at least {$1600.00} in our T and I balance per our XX/XX/XXXX statement. On contacting Academy Mortgage, they informed me that they in fact paid some at my closing -- -which was certainly impossible as the amount issued by the title company at closing was significantly higher than the last account balance on our statement -- -and that they actually covered some of our final cost. I asked about our escrow balance for tax and property insurance, and they told me that they had already sent the check to our insurance company for a policy that would start XX/XX/XXXX and that any refund for that would come from the insurance company. I asked if they could please cancel the check and they said that they would try, and would then send our refund. Now we are a month and a half later, I have been looking for our refund, and finally had opportunity to call Academy Mortgage again. They informed me that they could not give me a certain answer. I pressed as to why, and I was told that the man I spoke to previously said the same thing as before. He did not acknowledge that he told me they would request cancellation on the homeowner 's insurance check. I then followed up my the insurance company, and they said that the funds for the policy -- -that never should have started in the first place -- -have not gone through. Academy Mortgage is lying to us and avoiding sending us a refund due on our mortgage. I don't know what the refund amount is meant to be, because Academy Mortgage never sent us documentation to show the closing status, and this is  not available online either. I do not know how much they owe me. The person I spoke to at Academy Mortgage today did seem more reasonable than the last, and said she would look into it and reply tomorrow. She seemed honest, but because she seemed to answer to dishonest others, I am not confident they will do the correct thing and provide my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened an account with Capital One with the understanding that there was a rewards program. I have now accumulated {$440.00} that I would like to be paid. I have requested multiple times that they send me this money however they claim there has been fraud on the account. I can see no such evidence of any fraud. They initially asked me to take pictures of my drivers license and send these to them via text, which I did on multiple occasions. They claim that they did not receive these images. Then they said that I could send them a copy of my drivers license via email however they have never sent me an email that I could respond to. It has become apparent that Capital One has no intention of paying what they owe me and furthermore every time I try calling their XXXX number I end up on hold for 30 minutes or more and their customer service personnel are less than helpful. One could say that they go out of their way to be difficult. At this point I am closing my account with them but feel that I have been scammed out of {$440.00} and am owed that amount plus damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a medical collection/chargeoff on my credit report that is unknown and I have aked for verification for 5 months and I get nothing from the bureaus. Also it is a charge off still reporting with a balance of $ XXXX.That is inaccurate reporting. 
this is messing up my credit report because of inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
After several large payments made towards the loan, the balance only continued to increase because of the astronomical interest rates 206.73 % and 425.45 % they charged.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I sold my house in XXXX, and my mortgage was paid off. Freedom Mortgage stayed that they cut the check to close my escrow on XX/XX/2020. The check was mailed to the wrong address, and Freedom Mortgage has been dishonest about whether they would cancel the missing check and re-issue the payment. I spoke to a supervisor named XXXX today who insisted they were following federal guidelines, but could not tell me which ones. Freedom Mortgage has lied about their policies and procedures, and can not tell me when I will receive the money they owe me.

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 2020-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Auto is currently sending me documents with fake CPI policy numbers and inaccurate dates that policys were placed on my car loan account resulting in delays and payments under the allocation program. On XX/XX/XXXX a care team customer I called at Wells Fargo XXXX XXXX XXXX XXXX denied being from Wells Fargo and advised me that they were a third party co named XXXX who did not have answers regarding any of my account information. 

Wells Fargo will not provide me with the mediation form request so I may obtain mediation outside Wells Fargo. 

On XX/XX/XXXX I was given The Wells Fargo Mediation Group phone number XXXX XXXX XXXX to get help with mediation. The mediation group referred me back to Wells Fargo CPI care team to request a Mediation form as they will not be able to assist me with the fraudulent letters and claims until they receive a Mediation Form. 

Again I called Wells Fargo care teams that are responsible for the allocation payments and was told I am not entitled to the Mediation form and that I must accept the fraudulent letters and they are rejecting my dispute of an inaccurate payment of XXXX and for XXXX. I have provided Wells Fargo Auto and the CPI settlement of a complete payment history of my loan validating over XXXX dollars solely in fraudulent ins premiums fees and int. They have been claiming to fix this error since XXXX. 
Wells Fargo Auto along with Wells Fargo bank are claiming on their website that are addressing the accounts that were wrongfully charged duplicate ins premiums in order to make things right and repay borrowers for money that was demanded unlawfully. full for duplicate unnecessary allocation payments will be distributed amongst the borrowers that were wrongfully charged duplicate CPI insurance policies. 

Wells Fargo Auto Carr teams and CPI settlement will not respond to my emails being sent to XXXX despite claiming to respond within 48 hrs.

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 2020-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: MS

Complaint narrative:
I worked out a payment arrangement with the finance company, due to loss of income because of COVID-19 : I had a few bounced checks during the arrangement. But was never notified of this. I had changed banks and didnt realize I was set up on automatic payments. When I realized what happened I logged into my account and setup a payment for XX/XX/XXXX to take care of 2 payments. When I logged in the next day to make sure that they would be deducted from the correct bank. I saw that access to my account was blocked. Upon calling the finance company I was informed that my vehicle Was up for repossession and the only way to keep it from being repossessed was to wire them money through a third party website. Keep in mind the people I talked to kept changing their stories and were extremely rude. They treated me like a second class citizens. 

This phone call was on a Thursday. I informed them over the phone that I would not be able to make the payment until the following day that Friday because thats when I got paid. 

They rudely told me that they can not stop the repo until the receive the payment : The next morning I got up 3 hours early so that I could take care of the payment and avoid the repossession. When I walked outside the truck was gone. 

A few more phone calls with a bunch of rude people later. I ended up having to pay {$2700.00} to get my vehicle back. Along with a {$100.00} fee from the third party payment processor. 

Fast forward to today and my account is again past due. I have tried to reach out to the company to make the payment but my account is stuck somewhere between repossession status and current status. They have already reported it to the credit bureau as a repo. So now theres no hope of possibly refinancing the loan. 

Also the payment I had setup for the XXXX they have tried to deduct. From the wrong bank account. So now I am out more bank fees. 

I have tried to resolve this whole matter with them but they refuse to help or offer any assistance. 

Im a XXXX XXXX veteran. I feel like Im being greatly mistreated when all I want to do is get the loan correct..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01 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 letters certified over 60 days ago and have not been notified. As a consumer i feel like these bureas taking advantage of normal people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello, I was recently scammed by XXXX XXXX out of {$1000.00} for an app that they never created of mine. I went to my bank to try to get my money back but it was denied because XXXX stole images from my website and sent them as screen shots claiming they created the app. They also submitted my contract which was with XXXX XXXX but the transaction on my bank says XXXX of XXXX. 

I tried to deal with my bank and my bank doesnt look out for small individuals. Chase bank denied my fraud claim. Please help me rectify this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I first contact XXXX XXXX regarding the issue when I received a credit monitoring alert from XXXX XXXX stating that there was a 30 day late reported on my credit report for $ XXXX/XX/XX/2020. I knew this was incorrect when I had just made a payment of {$81.00} for XX/XX/2020 I  looked into the matter immediately by contacting XXXX XXXX and speaking to one of their representatives to find out what the problem was. The representative stated even the payment was made on time I failed to make the whole payment that was due of {$96.00} vs. {$81.00}. The difference of {$15.00} was for late payment which I was not aware of. I always go by what payment is due on my XXXX XXXX app and the day I made the {$81.00} for XX/XX/2020 that is what it stated. My monthly payment practice has been what is on my XXXX XXXX app and has been for as long as I have had the card. 

The XXXX XXXX rep explained to me to contact the credit report agencies and make a dispute through them. I did this and XXXX XXXX denied my request to change my credit report. 

I wrote them directly and asked them to change it and they denied that request also. 

I have included supporting documentation to support my claim.

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 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Accounts Service, Inc. (Indiana)
State: IN

Complaint narrative:
The company, " Professional Account Services '', XXXX XXXX, contact my employer, XXXX 'XXXX XXXX XXXX on XX/XX/2020. 

He made the company owner, XXXX XXXX, aware of my debt. He further sent information showing that I owed {$260.00} to my place of employment. XXXX called numerous times after I asked him to not contact me at my place of employment. He spoke with my husband, threatened him, and told him that he was " sick of his XXXX attitude ''. 

XXXX is a known criminal with a rap sheet a mile long. He has no business trying to collect debt, and has financial problems of his own. You will find multiple complaints about this company, and something needs done.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
The company allowed the Power Of Attorney for my grandfather to go in, update the signature cards to not include my name on the account titling, and then to take the funds with the reissued signature card. 

The signature card shows XXXX, which is the bank using the Power of Attorney paperwork to make account title changes to the account. The signer XXXX XXXX did not have a proper id, he never bothered once losing his drivers licence for XXXX/XXXX XXXX XXXX. 

The Power of Attorney had no legal authority in the power granted to them to update titling ( customer/account level ) on an account. Since they were unable to properly verify the signer that day, as evident on the signature card, no change could have been made to the titling.

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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
There are two companies involved in the debacle of my mortgage origination : XXXX XXXX and Guaranteed Rate mortgage. I was refinancing my mortgage and when I originally applied I had about {$120000.00} left on the mortgage. Their good faith estimate said it would be {$130000.00} rolling in all costs to account for anything that might creep up during closing. When we got closer to closing it became clear that the XXXX was more than {$3000.00}. Because we were at the end of the process they did not want to send the mortgage back to underwriting. Rather they said they would give me a credit at closing of {$1000.00} and a principal reduction that should have reduced my mortgage to {$130000.00}. I have been going back and forth with the mortgage company. They acknowledge it is an issue. I happen to be good at math and kept correcting mistakes in their paperwork. I wonder if people that were not as good at math would have found this. When I received the login to the website three weeks ago it says I owe {$130000.00}. It is unreal how much follow up I've had to do to correct this. The mortgage company says it was a mistake by the title company. The title company is owned by the CEO of the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters certified over 60 days ago and have not been notified. As a consumer i feel like these bureas taking advantage of normal people.

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 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Accounts Service, Inc. (Indiana)
State: IN

Complaint narrative:
XXXX XXXX was extremely verbally abusive towards myself, and my husband. He used foul language, told me that I was stupid, and indicated that I need to pay my debt because it is " pocket change '' to most people. 

During a national pandemic this company, and this man, have incessantly been bothering me beyond comprehension. Their tactics are mean, abusive, and illegal. Something needs to be done about XXXX XXXX. 

If the bank can honestly say they support this type of tactic for collection matters, then word of mouth will surely begin to circulate.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting with this written complaint that the following inaccurate items is a result of non-factual reporting. The items are as follows : XXXX XXXX XXXX XXXX This account reflects incorrect payment history from XX/XX/XXXX to XX/XX/XXXX. This account reflects 22 consecutive months of 120 days past due. You can not have more than 1 month consecutively with the same number of outstanding days past due.This is non-factual reporting. Please Remove Account. XXXX XXXX XXXX  XXXX This account reflects incorrect payment history in XXXX. This is non-factual reporting. Please update the correct payment history and DO NOT DELETE THIS TRADELINE. XXXX XXXX XXXX  XXXX This account reflects incorrect payment history in XXXX. This is non-factual reporting. Please update the correct payment history and DO NOT DELETE THIS TRADELINE. 
XXXX XXXX XXXX This account has a XXXX balance. It was paid off in XX/XX/XXXX. This is non-factual reporting Please update the balance on this account. XXXX XXXX XXXX  XXXX The account reflects 15 chargeoffs. An account can not reflect a charge off every month. Payment history is incorrect from XXXX to present. This is non-factual reporting. Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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:
Several months ago in the spring ( approximately the beginning of XXXX XXXX I ordered some product online from XXXX. The product was a grass seed device along w/ grass seed/applicator etc. After nearly 2 months of not receiving the product I received a postcard in the mail from the company apologizing for the delay and advising the product remained on back order. There was a portion of the card to tear off and return if I desired to cancel the order. I returned that portion of the card to cancel the order as I had already seeded the area and at that point the summer was half over. 

A few weeks later I noticed the charge on my credit card {$110.00} on XX/XX/2020, and then approximately a week later I received the product. I have no need for this so I contacted the company requesting a refund and offering them the opportunity to send me a shipping label to have the canceled order returned to them. The company denies receiving the cancellation postcard, and refuses to issue a return authorization. 

I challenged the charge with the credit card company, Capital One. They initially returned the funds to my account, but on XX/XX/2020 re-billed the amount as they received " documentation '' from the vendor stating the product was shipped. I agree it was shipped, I do have it. However, I have no need for it after the extended delay and I canceled the order. 

Requesting refund or chargeback of the {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did sent letters out certified over 60 days ago and have yet to receive any type of notification. As a consumer i feel like these clowns are not taking me serious and taking advantage of me.

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 2020-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Because of Covid-19 this seems to be a prevailing problem, you look up and your credit card is closed for no credible reason, effecting your credit score. The reasons given are laughable.

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 2020-09-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did sent letters out certified over 60 days ago and have yet to receive any type of notification. As a consumer i feel like these clowns are not taking me serious and taking advantage of me.

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