vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Hello, On XX/XX/XXXX I paid the remaining amount on the frontier credit card of {$110.00}. Following this complete payment, I requested the account be closed permanently and spoke to someone on the phone who confirmed the account was closed. Then on XX/XX/XXXX, I received an email, subject line : Account Alert : Your statement is available. 


It appears my account is still open, despite asking it be closed and being told that was done. I would like this account shut down and closed asap. 

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
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
This person tells that he calling to collect a debt of {$400.00} that I don't even recognize. He calls about ever three weeks. XXXX XXXX XXXX called today XXXX XXXX.I don't remember that dates that this person calls. I want these phone scams to stop it is very annoying. He ask me if I live at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CA

Complaint narrative:
TO CFPB A merchant XXXX XXXX XXXX charges my CREDIT CARD Capital One ending in ... ... ... ... XXXX the amount of {$64.00} a month I cancelled this suscription XX/XX/2021 Capital One keeps continuing charging me {$64.00} since XXXX to today I have submitted claims to Capital everything month every since with supporting documents. ( See my letter attached ) Still Capital One charges the amount of {$64.00}. I have filed a complaint every month. Capital keeps sending me boiler plate letters with the same questions The last letter I received dated XX/XX/2021 states that my case Number XXXX ( attached ) Capital One asked me to contact the merchant XXXX XXXX XXXX Phone XXXX XXXX XXXX They put you on hold for two hours, then hang up. They refered me to a link, vert confusing, english is my second language I was not able to follow through. XXXX is another scam compay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
My wife and I closed on a VA mortgage with Quicken Loans ( Rocket Mortgage ) on XX/XX/21. At that time my taxes for escrow was listed as {$9100.00} or {$760.00} a month. Today ( XX/XX/21 ), less than three months later I am being notified that my taxes have increased to {$13000.00} or {$1000.00} monthly. That is a difference of {$3800.00} Annually or {$320.00} Monthly. I am not sure how my taxes could've increased by 30 % within 3 months. I feel like Quicken loans has deceived me by allowing me to think my taxes were lower that what they truly are. I chatted with XXXX today concerning this and she stated that she was " shocked '' by the increase. She also stated that they can not get an exact amount for taxes and this is normal. I know that it is important to qualify borrowers and ensure that they can make future payments. This is not the way to do it. {$300.00} while in a COVID environment with rising gas prices and cost is not conducive to ensuring a borrower has the ability to repay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CA

Complaint narrative:
There are 4 accounts on my credit report that do not belong to me I have sent out multiple letters to the bureaus as well as the furnishers on these accounts and they are not willing to help me or to open an investigation These accounts were never authorized or used by me I have no such cards in my posession and I dont know what these accounts are for or how they ended up in my credit report. 

XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$5200.00} XXXX CARD - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$7300.00}

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 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I had received multiple emails from Bank of America regarding a {$300.00} bonus offer for opening up a checking account with the company. It required opening an acct with the offer, creating a checking account, and direct depositing over {$4000.00} over the course of 90 days. During the course of time I had over {$6000.00} direct deposited into the acct. 

I have called on multiple occasions between ( XXXX and XXXX ) and several agents assured me that I have met the requirements and to just give it time for the money to post. I called again in XX/XX/XXXX because I still have not had anything posted to the acct and a representative XXXX stated there was a message that I did not meet the criteria. 

This was the first time I heard this and she we went over everything on my acct and showed I was aligned to meet. I have been coaxed into signing up for a checking account and lied to by several agents at this point only to be denied afterword 's. Bank of America has lied. 
A complaint number was filed :

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 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I received a pre approval from a company, I filled out minimal information to see if I wanted to get the card, when I saw high APR and other fees, I decided I didnt want to go through with the card, I then hit exit and did not submit, they checked my credit even without my approval. I called the company, they were very ugly to me stating they did not check my credit and that I did not finish the process, I explained to them that I did not want the card and I did not submit for my credit to be checked, they were once again rude and told me they never checked my credit. I called XXXX who explained to me that there was a hard inquiry from this company, and said that I should contact your company for removal. This company is charging and price bending fees to very high costs before you get the card, and I explained that I did not want the card and I did not submit for it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I called XXXX XXXX on XXXX and spoke to a loan originator, XXXX. He explained that my LTV was 77.54 % and my valuation was {$390000.00} ; making me eligible for dropping PMI. We discussed the options : PMI drop or refi- both of which would eliminate the PMI. However, it will take 10-12 months to recover the costs of the refi so I decided to simply request elimination of PMI. 
I called Pennie Mac on XXXX after sending secure messages on XXXX requesting PMI elimination. Several times I was given holds over 15-20 min and never transferred. Finally, I spoke with XXXX PMI specialist and her manager on XXXX. There are several phone # 's and not even the loan originator was truly sure which to call. The PMI specialist told me Pennie Mac calculates LTV as original value divided by LTV, and they only use an appraised value if I pay for the appraisal and only Pennie Mac can choose the appraiser even though I pay.

I explained that the loan originator was willing to refi me at 77.54 LTV which would eliminate PMI, and the manager asked for his name so she could research options/validity of my information. Once the manager researched my file ( previously discussed with me through the loan officer ) she suddenly had several options to talk about : including a {$150.00} appraisal or Numbers provided for Pennie Mac on refi letters, websites, and given by employees : XXXX, XXXX. During these difficult times with Americans struggling- large mortgage houses should NOT be allowed to make processes difficult. Try using Pennie Mac 's website ... .to eliminate PMI. It is near impossible and buried at least 10 clicks deep. Hardworking Americans should not bear a burdensome task that is not protecting the financial underpinning of our country. 
I did NOT choose Pennie Mac and I will not select them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLANDMCM {$5100.00} MIDLANDMCM claims that I owe a debt. I have contacted them several times to provide a validation of the original contract of the debt they claimed that I owe but they have refused to respond to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I am trying to do a short sale with Selene Finance to resolve my mortgage debt. Unfortunately, Selene Finance has been unnecessarily dragging out the process. They first reviewed an offer of {$230000.00} which was submitted to them in XXXX. We gave them the Short Sale Program acceptance letter which they wanted on XX/XX/2021. At that point we had until XX/XX/2021 to submit all the necessary documentation for the short sale. On XX/XX/XXXX or XXXX our agent received a call from Selene Finance verbally stating that they are denying the {$230000.00} offer and that they needed a net of XXXX at minimum. The buyer on the file provided an offer with the requested net on XX/XX/2021. 
At that time correspondence with Selene Finance went dark. They would not confirm that we submitted all the documents on time, they would not confirm that we made the deadline of XX/XX/XXXX, they would not confirm that the file was being reviewed. 
Selene Finance then proceeded to request more documentation from the buyer on XX/XX/XXXX, XXXX.Then after being under review for multiple weeks Selene Finance requested an appraisal be done on XX/XX/2021. Mind you that when Selene Finance called on XXXX XXXX the representative stated that they were not doing internal appraisals due to the Covid-19 pandemic. 
In my opinion Selene Finance is intentionally dragging out the process by continuing to request documents that could have been asked for earlier thereby unjustly enriching themselves by increasing my mortgage debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
There is a personal loan that was charged off by Navient for Sallie Mae. I demand this debt be removed from all credit reporting agencies as, not only was it incurred due to the fraudulent acts of the art institute of XXXX XXXX, but it is also far beyond the statute of limitation. Please note that I am a New York resident and the statute of limitations on collecting any debt is 6 years. ( Please note, that even as a Florida resident, the statute of limitations is 5 years ) This debt has been outstanding since before 2013. Please forward all future correspondences pertaining to this debt to the attention of Investigator XXXX XXXX with the Office of the Attorney General of Consumer Protection Division located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. Phone number XXXX Any further communication regarding this debt will be treated as harassment and legal action will shortly follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I realized this debt on my credit report. I am not liable for this debt, I never had a account with XXXX, nor do I have a contract with I.C. System. This company has not provided me a signed copy of the application as I requested to validate the account. This account is a result of identity theft and reported to FTC. It is a violation of FCRA to report inaccurate and unverifiable information.

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 2021-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 4 accounts on my credit report that do not belong to me I have sent out multiple letters to the bureaus as well as the furnishers on these accounts and they are not willing to help me or to open an investigation These accounts were never authorized or used by me I have no such cards in my posession and I dont know what these accounts are for or how they ended up in my credit report. 

XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX/XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$5200.00} XXXX XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$7300.00}

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 2021-05-18 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: CA

Complaint narrative:
There are 4 accounts on my credit report that do not belong to me I have sent out multiple letters to the bureaus as well as the furnishers on these accounts and they are not willing to help me or to open an investigation These accounts were never authorized or used by me I have no such cards in my posession and I dont know what these accounts are for or how they ended up in my credit report. 

XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX/XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$5200.00} XXXX XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CA

Complaint narrative:
There is one account and 3 inquiries that are on my credit report that are not mine I have not approved used or signed anything for these I dont know why it's on my report I need this off I am getting tired of disputing items that dont belong to me we have no free time to be checking for identity theft!!! 

XXXX XXXX - Acct # XXXX Amt {$450.00} Opened XX/XX/XXXX INQUIRIES XXXX XXXX, I - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : 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 2021-05-18 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: CarMax, Inc.
State: OH

Complaint narrative:
CarMax Auto Finance Account # XXXX placed a derogatory mark on my credit report via XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors did not verify this collection. Also, there is no written form of communication, contract, or signature for the accused debt. A document without a signature does not validate debt. According to FCRA, CarMax has violated my rights as a consumer and I am requesting legal action to remove/delete the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo provided a credit for Negative Balances for the economic stimulus checks. 

This was never approved by myself, nor was there ever any communication between Wells Fargo and myself prior to the event agreeing to the conditions. 

This could have easily been overlooked by many account holders. 

Wells Fargo essentially provided a loan credit without any approval by the account holder. Now they are taking the " credit '' back from accounts possibly leaving them overdrafted, providing Wells Fargo with another {$100.00} in overdraft fees ( they charge the credit out multiple times ). 

This is an abuse of Wells Fargo Lending power.

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 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
There is no point to contacting Capital One. They believe their actions are justified, when they are not. Capital One also retaliates against complainants. 

Capital One is threatening customers with financial ruin, shutting down their accounts, if that customer gets angry at their extremely poor customer service or treatment. They are sending threatening emails to shut down that customers financial accounts. Capital One is claiming it is in their " policy '' to not allow " swearing '' and are thus justified in causing someone's checks to bounce, bill pays to fail and that customer to not obtain their direct deposits by shutting down a customers financial accounts. 

Capital One repeatedly has direct deposit, ACH failures with the claim the customer should use their 'debit card ' for direct deposits instead of repairing those ACH fails. Direct deposit with routing number and account number is a basic feature of any bank yet repeatedly Capital One has ACH failures and claims there are no record of those failures when the sending party does indeed have a FAIL record of the direct deposit attempt. Capital One claims to the customer they should " open a new account '' then refuses to let that customer open a second checking account on the phone and claims they must open it online. Then while online, that second account opening is denied and a phone number is given. Then Capital One demands a decade old, long verified customer send via unencrypted email a copy of their driver 's license and SSN card. If the customer finally gets angry, raises their voice or swears, Capital one sends that customer a threatening email to shut down all of their bank accounts. This is without resolving or repairing their ACH and payment failures. 

If one forwards this threatening letter to executive offices, Capital One in turn calls the customer repeatedly, recording conversations, trying to justify treating the customer in such an abusive and financially threatening manner. That is retaliatory. It is Capital One 's policy to shut down customers financial accounts over social, societal or " behavior '' deemed " unacceptable '' by Capital One. Cussing is not a criminal offensive and either is expressing anger at such banking incompetence that is Capital One. 

Capital One threatens, intimidates, causing financial loss, to customers who dare raise their voice or are angry over the inability to obtain basic banking services. Capital One is discriminatory. Woimen are more likely to receive this treatment because Capital One does not approve of their " behavior ''.

Company response to consumer: Closed with explanation