vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-01 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}, {$48000.00}, {$390.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I reached out to the credit acceptance in XX/XX/XXXX, when I lost my job to ask them was there anything I could do to as far as my payments, I was making my payment twice a week {$270.00}, before I lost my job. In XXXX XXXX, I accepted another job, but I still made my payment as agreed. I lost my job in XX/XX/XXXX, didnt received unemployment, didnt receive pandemic pay, and I reached out to them and explained everything that was going on. I had another job offer, but contracted XXXX and wasn't able to except the job. I was out of work for 5months. I started back to work in XXXX, and I reached out to them and let them know what I had went back to work, and I could pay XXXX a week to get me caught up. They weren't reporting to the credit bureau, at that time, I'm {$2000.00} and some odd dollars behind on my car payment, which makes it 4 months. I have made my payments as agreed thus far, but they are reporting I am 30 days late for XXXX, and 30 days late for XXXX. I know I am behind, I asked if they had any types of programs to help me to make my account current. They told me no. I asked if I refinanced the car because it's not only affecting my credit, but my husbands as well, because he is on the car loan as well. They told me that I couldn't refinance with them, I would have to try an outside lender, or my bank. Well with late payments no one is going to refinance it anyway. So I pay {$180.00} a week, which is {$720.00} a month, and my regular payments are {$550.00} so only {$170.00} over, I wouldn't be caught up until XXXX of XXXX. If I could make more payments, or just pay the past due i would, but right now I cant. The {$180.00} a week is breaking me, but I need a vehicle. I just don't want the late payments to be on my credit or on my husbands credit, because he is trying to purchase a home for us, and the late payment are affect it really bad. I work a letter, to Credit acceptance, to see if they would remove the late payments, I don't see that they have been removed. I have reached out to them, and they still dont have any other means of trying to help me resolve the debt without affecting my credit. Please Help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
This is to previous complaint # XXXX closed cuz I didn't reply in time. TCF bank never paid my 2019 winter taxes I had too, They keep sending payment to local city instead of county. So I Iet them know they owed me {$84.00} for tax payment. I received a call from a rep named XXXX that they were only going to reimburse the interest not full payment cuz it came out of error acct not my escrow. I said how was that since my escrow acct was short almost same amount as the tax owed they didn't pay and to show me where its still in the mortgage escrow. She told me she would get back with me. Its been 3 weeks and no phone calls no reimbursement nothing. Now I know this isn't a huge some of money thank goodness but I expect my money returned to me. This bank is handling my mortgage and money and have no problem taking it. I expect some respect of being called and issue taken care of. This has been going on for over six months. There is no real way I have found to contact upper management because unfortunately no other employee has resolved this is. I feel they should be fined and I should not only be reimbursed but restitution made to me for the anguish of dealing with poor banking dealings. Looking to talk to someone in company higher up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am sending in this complaint in hopes you will look into how Loancare is running there business I had put in a complaint before # XXXX which you ended up closing I believe because of lack of backup or proof in my first complaint. The reason I did not for that is first I had to learn how to scan to my computer so I could send you files. I also had to organize the mess Loancare has given to me. Being XXXX years old it is not easy for me to do, but in the long run I did learn to scan and got things somewhat organize. 

As of today I still have the exact same problems I had last XXXX. Late payment when I was never late ( # 2 A ) and an escrow account I never asked ( # 3A pg 1 and # 3 A pg2 ) for which they opened to try and make me pay insurance cost. I have had the same insurance company ( # 10 E ) when Loancare took over my mortgage. 
Both of these things I have given them proof of. 

There are few important thing I have dealt with with this company that makes me think they need to be looked into and are being dishonest. 
One is I am not the only person with problems with Loancare. On XXXX  they have a page which has quite a few complaint. 
Another is they lie. They lied to you when they sent the XX/XX/2020 letter saying I never responded to their request. I am sending you proof that I did response to their request on XX/XX/2020. They also sent the same letter to the XXXX XXXX XXXX  only changed the CFPB to XXXX. There is also the problem of them going back into my payment history record and changing things around. ( 3A pg 2 and 2 3B pg 1 and 2 ) They started saying I had no insurance on the property around the first of XX/XX/2020 and then later XXXX went back and put down I had no insurance the previous year. 

Please look into this companies practices. {$26.00} false late payment can add up to a lot of money when they charge it to a lot of different customers. 

You do not have to work to correct my situation. I feel somewhat confident I will win in any court. I do not want to go that route, but it looks like Loancare is leaving me no other chose. 

there are three recordings that the system would not let me send

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 2021-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, On XX/XX/2020, I sent a XXXX transaction from my Chase checking account to my wife Chase checking account for the amount of $ XXXX/USD. In the memo of the transaction I put the word XXXX, as an internal reference for us. Just to let us know that is the money we'll send to our family in XXXX. XXXX transactions usually occurs within minutes, but that day, the money was withdrawal from my account and never went to my wife account. Then on XX/XX/2020. I received a letter from Chase explaining that the transaction was cancelled and it was under investigation by the XXXX Department for a possible Sanction or JPM Risk Policy issue. They stated that a reference to XXXX was included as an instruction. They asked me about ( 1 ) what was the purpose of that payment to XXXX, the also said that ( 2 ) Payments involving XXXX are only permissible under certain OFAC regulations, authorizations and/or licenses. Provide related authorization you have knowledge of. for XXXX. and additionally the asked ( 3 ) If this payment is a personal or family remittance : ( a ) Please provide full name of person or company that ultimately receives the funds, ( b ) their relation to you, ( c ) if they are an official of the Government of XXXX, a member of the XXXX XXXX XXXX, and ( d ) confirm total amount of funds that have been remitted to the individual during the last three months ... 

I clarified and sent all the info they requested, including the name of family in XXXX ( my mother ) who I regularly send money through XXXX, I provided also the MTCN from XXXX for the last months I sen money through them ( XXXX, XXXX and XXXX XXXX. All the info they request I gave them to them. 

Finally yesterday they decide that they will keep the $ XXXX/USD on a blocked account and they will not released to me or my wife unless I obtain a license from the treasury office XXXX 

I explained several times to them, that the transaction was between two Chase accounts, both person are USA citizens and residing in USA. We never instructed anything relating to a transfer to XXXX, it was just a simple memo with just one word " XXXX '' for a simple personal reference between my wife and I. 

We consider that this is a huge abuse of power of Chase, that this is a huge violation of our rights, and that they no have any right to take from us any money. I moved all my finances to XXXX XXXX, and we'll keep the accounts opened just for communication with them, because the only way is through the Secure Message on the Chase website or app. Nobody wants to explain anything through the phone and the case looks like closed from their side. 

I'm filling this complaint in order to get any help on this. 

Any information needed from my side is available, I have all the communication on pdf in case needed. 

Thanks in advance for any help you can provide Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: OH

Complaint narrative:
I sent Experian a letter on XX/XX/2020 in regards to inaccurate and unknown things on my credit report. I disputed this account with all 3 bureaus and it was DELETED from XX/XX/XXXXbecause they could not validate the information reported. So how is it that Experian and XX/XX/XXXXcan validate it, if all the information reported is supposed to be the same for all the bureaus? THIS IS A VIOLATION! My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into the hands of the wrong person. As well as another data breach. And please don't come back saying this is not me because it is IN FACT ME XXXX XXXX. This has been going on for way too long! : - (

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 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I have been trying to get information regarding to a settlement for a collection I have with this company. I have called 3 separate days to get answers and set something up and each and every time I called them I get greeted with nothing but attitude and unprofessionalism. I ask simple questions such as " Does your client accept payments on a settlement or does it need to be paid as a lump sum '' and I got the run around and how I will not be paying anything this month so I have to wait to get this answer and then proceeded to place me on hold and cold transfer me to someone else, I had to re-explain my situation and finally got a straight answer. The next day I called back to set up a payment arrangement, when I got to a rep named XXXX she had a severely poor attitude told me to not put words in her mouth when I asked her a clarifying question. Once the arrangement was set up I asked for a letter stating my arrangement so I can give this to an apartment I trying to get into she proceeded to tell me that she wont do that because people pay the first payment and then never pay again, I explained I am in collections myself and know for a fact that an arrangement letter does not state that I have paid off this collection as I was explaining she interrupted me I told her I was not done speaking and she told that I was done speaking and placed me on hold. I immediately called back and spoke with a manager and she stated he would give her a training lesson but I do not believe anything was done. The very next day I called back and asked someone else if I was able to get an arrangement he said we can not do that placed me on hold, when he came back in the middle of him asking if I was still there he proceeded to hang up on me and did not give me the chance to respond to him. These conversations took place on XX/XX/XXXX @ XXXX .. XX/XX/XXXX @ XXXX & XXXX ... XX/XX/XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one line of credit issue : I have a capital one line of credit for 20 years and recently, during the Covid19 pandemic, they decided to discontinue the account for no reason. They also raise interest and auto deduct the monthly charges out of my checking. 

I have been contacting the bank for entire year to at least start sending me a monthly statement so that I know what I am paying in principle and interest. This way, as a customer, I can keep an eye on things. 

Unfortunately, they won't submit any statements and when I log in to my online, there is nothing to tell me how much I have paid each month or what the interest rate is? 

Basically, I am just sitting here at the mercy of the bank with no information. Other than an auto deduction that they auto deduct from my checking to go to the line of credit, I see nothing else. 

Is this kind of hidden in the dark billing service from a top 10 bank legal under Finra and FDIC rules?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: MS

Complaint narrative:
This company was XXXX XXXX but the other company brought it from them which I had already contacted beat but about this was a stolen card had to do a police report and all and have to dispute it. But this other company brought it and took me to court without me knowing it are anything about it til after it was sign in court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent XXXX a letter on XX/XX/2020 in regards to inaccurate and unknown things on my credit report. I disputed this account with all 3 bureaus and it was DELETED from XXXX because they could not validate the information reported. So how is it that XXXX and Transunion can validate it, if all the information reported is supposed to be the same for all the bureaus? THIS IS A VIOLATION! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. As well as another data breach. And please don't come back saying this is not me because it is IN FACT ME XXXX XXXX. This has been going on for way too long! : - (

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 2021-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
I applied for loan on line with XXXX XXXX  XXXX  XXXX XXXX XXXX Thinking I was getting a loan from a bank I got an email a few weeks later stating the bank had sold the loan to Net Credit at a 99.4 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
SPS On a previous complaint dismissed any delays of receipt of mortgage statement to mail delays. The Mortgage statement dated XX/XX/XXXX, which they stated on previous inquiries are mailed out same or next day, was not received until XX/XX/XXXX. This only allowed for 4 calendar days to receive a statement and send out payment by due date of XX/XX/XXXX. The timelines mean that the USPS is taking 13 days to deliver mail from this servicer. All other mailed statements from any other biller do not have this delayed timeline. I believe that SPS is delaying statements in order to increase the likelihood of late payments and increase their servicing profits. While I have not had any late payments due to their actions, their delayed statements are a violation of CFPB rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: PA

Complaint narrative:
I reached out to XXXX XXXX XXXX ( XXXX XXXX XXXX ) NMLS ID : XXXX at Bank of America ( XXXX ) in XXXX, Delaware XX/XX/XXXX to get assistance with applying for a mortgage loan under their first time home buyer program. XXXX was very unprofessional in handling my application by failing to provide important information about my application and not communicating with me in a timely manner. XXXX took weeks before responding to multiples emails and phone calls from me and didn't have much of my application processed after waiting over a month to get a preapproval letter. The few times I was able to get a hold of XXXX, she stated she would give me a call back with more information about my application and what steps I would have to take next. I still have yet to hear anything back from XXXX and it is now XX/XX/XXXX. This has delayed the home buying process for me and caused me to waste almost two months of my precious time. I attempted to contact XXXX 's supervisor in XXXX and have not received a call back. I would really like someone to reach back out to me letting me know my concerns were at least heard and how they will be addressed. 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 2021-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: Atlanticus Services Corporation
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation