vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
When I went to XXXX XXXX mall to purchase a vehicle. I test drive the XXXX I wanted but was convinced to buy a XXXX XXXX that was only a four cylinder because the payments would be lower and it would help build my credit. After spending over six hours at the dealership I put down {$1500.00} and signed a four year loan at 15 percent. I complained about the high interest rate with XXXX XXXX. I was told it was due to the fact the dealership had submitted multiple loan application s with various lenders which effectively lowered my credit score. After a year I would be able to refinance. 
When I reached out to Capital One to get the terms of my loan transfer. I received paperwork as if I financed with them the day I bought the car which was false. I signed on a signature for XXXX XXXX   and did not give XXXX the permission to negotiate another loan at a higher interest rate and for six years on a car worth XXXX. The borrowed amount was {$15000.00} and the amount paid back already is {$20000.00}. The additional pay off amount is {$8800.00}. 
I work for XXXX XXXX. I can travel the state if NJ for free. I would never agree to finance a car for the price of two vehicles. I have disputed this loan and it's terms for the last three years with Capital one. I have been charged interested and tremendous late fees during this pandemic. Who in their right mind would agree to pay $ XXXX for a car worth $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: PA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-09 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: PA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-09 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: MS

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
contacted visa for options due to expiration of {$500.00} reward card. called XXXX, mailbox was full. 
issued XX/XX/XXXX, expired XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I have contacted Transworld Systems Inc ( TSI ) to dispute a XXXX XXXX bill, and they sent me the paperwork to dispute the bill. I filled the paperwork on XX/XX/XXXX and returned it back to XXXX XXXX. I followed up with TSI, as instructed on several different occasions : XX/XX/XXXX, XX/XX/XXXX & XXXX speaking with various different agents there, including XXXX XXXX and XXXX XXXX, each time receiving a different story about the status of the debt. I was told that once that XXXX XXXX mailed out paperwork regarding the dispute on XX/XX/XXXX. By XX/XX/XXXX, when I had not received it, I called and was told that someone was going to look into it, and call me back with an update, that they need to reach out to XXXX XXXX. I asked if I should call XXXX XXXX, and was told that they will not be able to help me, and they would just send me back to XXXX, since the account was in collections. I never heard back, then I called back again on XX/XX/XXXX and then got a completely different story, that XXXX XXXX hadn't sent out anything yet, and that no one basically knew what was going on, and I keep getting the run around. The debt is not mine, I have provided all the requested paperwork and have confirmation of the fax being received. I would like this debt removed from my credit report. I submitted more than 1 dispute for this account, only to ever receive dispute paperwork. I have asked for the written contract for this debt. I have requested that if they do not have the proper documentation that they remove this immediately, under Section 611 ( a ) ( 5 ) ( A ) ( i ). A final bill from the original creditor is not verification. Please assist in this matter. I also received a call from a XXXX number, and was told that it was in regards to my dispute on XX/XX/XXXX. When I called that number back, it was a sales call for utilities at a lower price. I believe that was my information was sold or compromised because they specifically referenced my account with TSI and the dispute. I did bring this up on the call to Ms. XXXX, when I spoke with her on XX/XX/XXXX. This has been going on for nearly 2 months now and I just would like help to get this issue resolved. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
My mortgage was recently transferred to a new servicer, Carrington Mortgage Services. I was planning to make online payments like I had been doing for years with my prior servicer, XXXX, but Carrington charges a {$5.00} convenience fee to make an online payment. Fine, then Ill mail it XXXX. My complaint isnt about that, its about them not sending me a statement. I have been paying my mortgage payment as soon as I get my statement, which is typically several weeks before it is due. But the past few months, even though they have gotten my payment well before the due date, Im not getting the next statement and payment coupon until later and later into the next month. Pretty soon Im not going to get it until the day it is due! This is XXXX all around. They should offer free online payments, and they should be required to process payments as soon as received, and then immediately issue the next statement. They are basically delaying as much as possible, counting on the borrower to get the statement late in the month, maybe set it aside, forget about it for a time, and then before you know it, its late. Terrible business practice. I hate this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: SC

Complaint narrative:
2 issues : 1. ) Fedloan through the department of education is requiring a " wet signature '' of my employment certification form for public service loan forgiveness. In the past this has not been as much of an issue because our organization was not all teleworking due to COVID. Now this is an issue my office does not have the abilty to send it wet signatures. According to several supreme court cases electronic signatures are absolutely valid for this type of documentation especially if I can use XXXX XXXX authentication but fedloan refuses to honor a form signed in this way. 

2. ) Fedloan gives me no way to view how many qualified payments I have made on my student loans through Public service loan forgiveness. The only way to get a tally on the number of qualified payments is through re certifying my employment. I do this regularly because a large percentage of the time they get my number of payments wrong. 

Fedloan and DOE should 1 ) accept electronic signatures for these forms especially if they are federally authenticated and 2 ) provide a way to view how many qualified payments have been made on loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i sent letters to the three major credit bureau from XX/XX/2020 till XX/XX/2020 letting them know the information on my account was incorrect or not mine and i haven't received any response or validation of these accounts

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 2020-07-09 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: TX

Complaint narrative:
I called Equifax today I am a victim of identity theft and an account has listed me as an authorized user last updated XX/XX/XXXX 1 year ago and I told them I was never an authorized user on this account and please update and remove this account from my file. The representative stated I must file another police report to have it deleted or blocked from showing on my report. I explained to her that is not correct and the I had contacted the police department and they stated that I do no have to file another report with them. 

The account is a XXXX XXXX  XXXX XXXX  that has been closed by the account owner. 
I was never an authorized user. 

I provided Equifax the FTC affidavit and Police report in XXXX and XXXX. When speaking with the representatives they tell me that they see it and then I will get another representative that will say they only see the affidavit when both were sent in together. which on my report I also mentioned I was a victim of the Equifax breech as will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
I refinanced my mortgage XX/XX/XXXX. On XX/XX/XXXX, a scheduled autopayment was drafted from my account to Dovenmuehle, the mortgage company for the old mortgage that had just been paid off, in the amount of {$1300.00}. I immediately called Dovenmuehle to get the money refunded and was told it would take 7 to 10 business days to process. The check never arrived. I called back after 10 days and was told it would take 7 to 10 business day to mail after the processing time. After that time passed, I called back and was told they need to reissue the check but could not do it until a month had passed. I called back after the month deadline and was told they would reissue the check but I needed to wait 7 to 10 business days for processing. I called several times during processing to make sure it was still being processed and was told it was. I waited for the check, which never arrived. I called back and was told there was some mistake on their end as to why the check did not process. I went through this cycle again. And again. This cycle continues until today. I have dates of calls, names of who I talked to, and what was told to me. I just want the money back that is due me, but Dovenmuehle will not send it back and continues to make excuses as to why they can not get a simple refund check to me for this overpayment. They acknowledge there was an overpayment but will not send me the money. In the process of my calls I explain that I have received the escrow refund, I am looking for the overpayment refund. I tell them the amount and the date it was drafted out of my account. All of that is verified on my calls to them. But I continue to get excuses that the people did not understand what it was that I wanted refunded. It has been four months that Dovenmuehle has held my money, money that is not theirs. My recent communication with them was over two weeks ago where they took my phone number and email and were going to contact me within 3 to 5 days. That time period has come and gone, and I have not heard from them. And no check has arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My sister and I are joint trustees on an estate Trust account that our father left for the care of our mother. This account is currently held with Capital One at the XXXX, VA branch. When he passed away in XX/XX/XXXX we went to the branch to present the Trust documents and completed the required process to represent and manage the account. Since that time we have had no issues accessing the account funds. Suddenly and without notice in late XX/XX/XXXX we received a call from the memory care facility where our mother is a resident indicating the payment sent from the account for XX/XX/XXXX services did not process. We contacted the Capital One only to learn that the account had been frozen as they had questions about our trustee roles. Despite almost daily calls we continue to get the run around indicating their Legal dept is still reviewing the situation. Meanwhile we have no access to the account funds. We were told we need to complete new signature cards so we did that on XXXX XXXX, XXXX anticipating that would be the answer, but still nothing. It has now been over 30 days without resolution! They have refused to provide a contact above the Branch that we can discuss this with or connect with our attorney. 

Today I was told they discovered another signature requirement and their Legal group is working on the details. Upon receiving this information, I told their representative XXXX that if the situation was not resolved by Friday XXXX XXXX, I would be escalating my approach. 

This situation is horrendous. We have been forced to access other funds to pay for the care of our mother and there is no evidence of urgency from Capital One. We are prepared to cooperate with any action required to address this situation and look forward to your contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AE

Complaint narrative:
We purchased a home on XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. At the time, we put 10 % down of the asking price and were accordingly assessed a PMI of {$81.00} per month. 
On XX/XX/XXXX, we paid down the cost of the loan so that it is below 78 % of the original value of the home. According to the Homeowners Protection Act, the bank should automatically cancel the PMI. The current lender is NewRez and the loan number XXXX. The bank refuses to cancel the PMI claiming that XXXX XXXX is somehow involved in the loan ( they are their backer in the words of the associate ) and XXXX XXXX refuses to cancel the PMI and requests an appraisal on the property. We have two issues with this : 1 ) According to the Homeowners Protection Act, the PMI cancellation should be automatic upon reaching 78 % of the original value ; asking for an appraisal is not right 2 ) At no point in time XXXX XXXX has been a part of our loan process - why are they involved now? Our original mortgage was with XXXX XXXX, and subsequently sold several times to various lenders as part of whatever loan packaging they do. 
According to the XXXX XXXX website lookup, they do not own our loan. 
We want the cancellation of the PMI as we have fulfilled our obligations under the Homeowners Protection Act. Please, help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
My mortgage is being serviced thru Rushmore mortgage. Looking at my escrow they are adding a additional 3+ months worth of taxes insurance and PMI which is causing me to pay higher monthly payment. I was told by law they can only hold 2 months worth currently they added a additional XXXX to my escrow but should only be XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I applied to refinance my mortgage and was assigned XXXX representative XXXX XXXX. He instructed what the process would entail and stated a loan processor, XXXX XXXX would contact me to begin the process. XX/XX/XXXX Ms. XXXX XXXX contacted by phone and introduced herself. She stated I would need review a " To Do '' list to submit documents to begin the process. She said the current submission of proof of my Social Security document was not sufficient, I would need to " submit a W4 or W2 ''. I told her the website does not request any of my personal financial information, may I submit other options. She was adamant I must submit my personal financial information for her to view. I requested to see this policy in writing, because their To Do website did not state persona financial documents. She avoided my questions and rushed off the phone by saying I will let you know. I waited over 36hrs and have not received a response. I believe this employee was trying to obtain personal information without following the guidelines and information listed on their website. She has not contact me back which created more suspicion. I contacted the 1st representative, XXXX XXXX who has refused to forward me to a supervisor or management to voice my concerns or receive an explanation. Ms. XXXX XXXX has not contacted me since I disputed her request and my application is remaining stagnate. I am not sure if she is discriminating because I am male who is asking for policy in writing, but my application should not be affected because of my gender. Or she was trying to receive my personal information to commit fraud. I do not know since she has not contacted me back. I am submitting a screenshot of their website To Do list and no where on their does it request personal financial documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AR

Complaint narrative:
I was reviewing over my credit. I notice I had a debt that in collections for a XXXX phone bill. I haven't had a XXXX phone. I have been using XXXX XXXX for the last 5 years. I tried to dispute it off of XXXX XXXX.

Company response to consumer: Closed with explanation