vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 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: TX

Complaint narrative:
An unauthorized charged was made on my Capital One credit card from XXXX XXXX. When I noticed about 2 days later I contacted the company who told me that I had to cancel and didn't want to return my money back. This service was not used and told them I purchased this service for only 1 year and never authorized them to charge my card on a yearly basis especially when I was never notified. I called the credit card company and filed a complaint about XXXX XXXX illegally charging my account. And I also told them to close my account and issue me a new credit card. They did. They requested information from XXXX XXXX which cleary stated that " customer did not use service but didn't call us to cancel ''. I called them and they keep giving me the run around since last year.. Capital One then told me that I should settle my case myself since I " willingly give my credit card information to them '' that they had the right to change me. I presented them a letter which stated i did not authorize XXXX XXXX to use my credit card. Then Capital One went ahead and replaced the charges on my new credit card and refused to give me my money back. Theh keep referring me back to XXXX XXXX and XXXX XXXX keeps referring me back to Capital One. This is the worse credit card company that prey on law-abiding citizens that has no morals nor ethics.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I sent my payoff, which was received by RoundPoint Mortgage on XXXX. I called on XXXX to see where my {$270.00} overpayment refund was. I was told by " XXXX '' that I would receive it " in a few days ''. On XXXX I called backe because I still did not receive it. XXXX told me it was processed on XXXX and mailed on XXXX. I called back on XXXX because I still did not have the refund. " XXXX '' told me he didn't know anything about how to help me and did not know where my refund was or when it was processed. He said he would transfer me to " accounting '' so they could help me and he transferred me to XXXX. XXXX said he was in customer service and that there is no accounting office I could be transferred me to. He then went on to tell me that the refund was mailed on XXXX. On XXXX I called back and asked to speak to a supervisor, I spoke to who said that it was processed on the XXXX of XXXX and mailed on the XXXX. He went on to tell me that if I don't receive it by the XXXX of XXXX, a full month and a half after I made the overpayment, I could call and per their " policy '' they would cancel the original and send the new refund within ANOTHER 30 days. I called again on XX/XX/XXXX and XXXX told me the same thing. I also asked that they simply send me something to verify that they actually sent my refund and when it was sent and they told me that they would have to go to " legal '' to provide such a document and that would take about 30 days to provide. I also sent 2 emails and thus far, even though one of them was acknowledged, NO REPLY!

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 2021-05-06 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: Bay Area Receivables, Inc
State: MD

Complaint narrative:
Bay area receivables put false information on my credit report that dated back to 2016. But the account does not belong to me at all and is someone eleses. This collection agency is fraud and needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I paid this auto loan off in full & Penfed credit union received payment on XXXX, it is now XXXX, almost 5 months later and they still haven't completed the electronic lien release like they should have done within 1-2 weeks after I paid the loan off. I called them several months back and they were supposed to complete then and follow up and call me back. That never happened, I am now in the process of trying to sell the vehicle XXXX  XXXX XXXX # XXXX. I can't get a title or complete the sale until this is completed and the buyer is getting ready to walk from the sale due to these delays & mistakes by Penfed credit union. I have been on the phone with them again multiple times per day again since Monday XXXX and I requested they complete this several times a day and they still haven't completed the electronic request/lien release with the DMV/department of motor vehicles after 10+ requests at this point as I just went yet again to the local DMV to try and obtain the title to sell the vehicle. PenFed credit union / XXXX / www.penfed.org is responsible & the loan # 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 2021-05-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I've never done business with XXXX XXXX XXXX I've been disputing this account several times attempting to remove this fradulant item from my experian credit report and they refuse to remove the item. I've repeatedly informed XXXX XXXX XXXX and Experian that I've been a victim of identity theft and I've never done business with them and none of these entities has tooken action to resolve this issue which is affecting my life and my families life. They've broken the law and has caused me to lose opportunities to access funding for my business and credit cards for personal use

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 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX I purchased a house on XXXX XXXX XXXX, XXXX XXXX, VT XXXX. The previous owners were XXXX and XXXX XXXX and their mortgage company was XXXX XXXX XXXX XXXX XXXX XXXX acquired by Chase in XXXX ) and XXXX failed to properly discharge the XXXX mortgage with the Town of XXXX, VT. I'm currently in the middle of trying to sell my house and the buyers title search company discovered the error. I'm currently out almost {$10000.00} dollars trying to correct this error. I need some assistance in getting Chase to properly discharge this mortgage so I can continue with the closing. I currently live in XXXX Texas and trying to support two house holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: CO

Complaint narrative:
Equifax should not be reporting that I am ( 120 ) days late on the DEPTED/XXXX partial account numbers XXXX ; XXXX ; and XXXX. Equifax should not be reporting that I am ( 120 ) days late on partial account numbers XXXX and XXXX ; XXXX and XXXX ; XXXX  should not be reporting that I am ( 120 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) ALL of these accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to late on any account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I have a balance transfer loan at Citizens Bank and have had issues since the card was opened making payments. I have had to go to a branch to make payments which many times is hard for me. I was notified of a payment due today by email but we are going out of town early tomorrow and cant get there. 

I can not access online to make a payment. I can log in but there is no place I can find to make a payment. I keep clicking around the website trying to figure out how to do it but it keeps saying youre not allowed to do that. 

I tried calling and when I punch in the credit card number it says no account exists. I waited on hold for about 30 minutes and no one came to the phone so I hung up.

I am supposed to get paper statements so I can mail in a payment but I have never gotten any. I have complained at the Branch about all this mess but they dont care, just take my check. 

Also, they will not allow you to make a payment of any amount you like. Only the minimum payment or paying off the entire balance. Shouldnt be this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Mortgage Capital Corporation
State: CA

Complaint narrative:
I refinanced my mortgage with General Mortgage Capital Corporation ( GMCC ) on XXXX, XXXX. In the initial XXXX form ( attached ) and the final XXXX form XXXX attached ) that I signed with GMCC, the forms all clearly state No Prepayment Penalty. I refinanced this Mortgage with another company on XX/XX/XXXX. 

I received a bill XXXX attached XXXX from GMCC on XX/XX/XXXX. In the bill, it charges me {$6100.00} for early payoff penalty. GMCC agent said, the mortgage has been sold to XXXX by GMCC in XX/XX/XXXX. XXXX charges GMCC for the early payoff penalty, and GMCC requires me to pay it. 

I have no responsibility to this early payoff penalty. GMCC should take full responsibility to the charge from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: OH

Complaint narrative:
I have been working really hard to save my home since my XXXX. Unfortunately I was going through a legal battle with my ex that she did not want to sign the quit claim deed. My investor was ready to give me a plan to save my home but I was helpless. I finally sent the quit claim deed to them and now they are saying that its too late. I don't have a foreclosure sale date and I just want to save my home. I have worked really hard to get where I am now and I would hate to lose my home because of one document that I had no control over.

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 2021-05-06 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding promised to delete the COLLECTION from the credit upon payment. The account was settled on XX/XX/28 and the collection is still reporting on my credit. Please delete the collection in its entirety as promised Also XXXX XXXX  was settled and yet the company didnt update the account as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
I have requested a payoff statement for 3 different times with myloancare/XXXX XXXX. I am told to wait 30 mins and to then call back. I provided three different email addresses and a fax number and i have yet to received a payoff statement from them. I really don't know what else to do, this is preventing me from closing my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/2020, in order to purchase the property XXXX XXXX XXXX XXXX XXXX NY, I borrowed {$490000.00} from the XXXX XXXX who then sold it to Shellpoint on XX/XX/2020. ( I paid the loan down by {$300000.00} in XXXX, thus leaving a balance of {$190000.00}. ) I borrowed the money from XXXX as a representative of my company The XXXX XXXX XXXX  Shellpoint changed the mortgagor from The XXXX XXXX XXXX to mortgagor XXXX XXXX ( me ). I have since applied to XXXX XXXX  to refinance as my loan currently has a 9.5 % interest rate. Also, please note I obtained insurance on the property from day one which included hazard insurance. Shellpoint keeps insisting I dont have hazard insurance because the insurance is in The XXXX XXXX XXXX and the loan is now in the name of XXXX XXXX XXXX was it even legal for them to just change the name ). Because of this they have increased the payoff amount to XXXX XXXX by {$2900.00} as a charge for hazard insurance which I have always had and proved to them. They wont change the payoff amount. Please help. I feel like they are trying to extort me for {$2900.00}. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: SIMM Associates, Inc.
State: TN

Complaint narrative:
I am receiving medical bills for a extensive XXXX  XXXX in 2020 that I did not have. I did not have any XXXX XXXX in 2020. As for XXXX XXXX XXXX. Refinance at the lowest available rate. Ive never been able to get that. XXXX home Equity loan valid For 5 years at the lowest available fixed rate. Allow other XXXX people to get home equity loans at the lowest fixed rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS , LLC is falsely requesting that I owe them {$130.00} and has added a derogatory collections account on my credit reports. I don't know who they are and do not owe them a single dollar. I tried reaching the company but they are not willing to help and remove off the inaccurate information from my credit report. this is damaging hurting my credit score and ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS

Complaint narrative:
I SUBMITTED ALL INFORMATION REQUIRED TO RECEIVE A LOAN ESTIMATE ON XX/XX/21 TO XXXX XXXX XXXX XXXX XXXX ) AND AS OF XX/XX/21 I HAVE NOT RECEIVED MY LOAN ESTIMATE. I BELIEVE I AM BEING DISCRIMINATED AGAINST DUE TO THE LOW PRICE OF THE HOME I CAN AFFORD. I ASKED A SUPERVISOR THAT I WORK WITH ANOTHER LOAN OFFICER BUT I WAS DENIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
I REACHED OUT TO THE CREDIT BUREAUS AND TOLD THEM I WOULD LIKE TOO SEE PRROF OF SOME ACOUNTS THAT I WAS NOT FAMILIAR WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: CITIBANK, N.A.
State: PA

Complaint narrative:
My wife was the primary card holder and I was an authorized user. My wife has passed away and Citi and XXXX banks are refusing to remove me as authorized user and reporting a deliquesce on my credit report even when I'm not responsible for 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 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF THE WEST
State: IA

Complaint narrative:
On XXXX and XX/XX/XXXX I had received a call from XXXX stating he was from XXXX XXXX XXXX stating that I issued an online check to their client that bounced. They stated the date of the transaction happened on XX/XX/XXXX. I called the bank to check on this claim due to having closed this account years before said date and they could not locate my information or any claims. I asked the guy working with XXXX XXXX XXXX to send me a letter explaining the claim and info on the collections so I can look it over and He said they would not be sending me a letter. Would not let me talk, kept cutting me off saying that they were going to file this and see me in court next week. I tried to explain that I called the bank on XX/XX/XXXX and he got loud with me saying I did not call them because he just got off the phone with them this morning on XX/XX/XXXX and hung up on 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 2021-05-06 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: GA

Complaint narrative:
I NOTICED A FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNT ON MY CREDIT REPORT. THIS ILLEGAL ACCOUNT IS NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED EXPERIAN ABOUT THIS ACCOUNT NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THIS ACCOUNT. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THIS ACCOUNT DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF EXPERIAN CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED STRESS THEY HAVE CAUSED 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 non-monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pendleton Capital Management
State: CA

Complaint narrative:
I am gettin repeatedly harassing and abusive and threatening calls and voice messages by XXXX from Pedleton Capital. XXXX is also harassing and leaving abusive calls to my sister, who doesn't even reside with me. He is claiming they helped onto may asets ( I don't even have any ) and the ratting eagle action and jail. This can't go on and these people should be prosecuted for un-ethical behavior. Real collection agencies by law have to send a letter explaining the debt and not collect money over the phone. The phone is XXXX and they are applying harassing and threatening techniques.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have been trying to get into my Equifax account. I have spent the 15 minute process verifying with automation as well as with a representative who barely speaks English. Once that was completed Equifax sent a text stating I had to upload my drivers license. But by uploading, I agree that Equifax can use any piece of information of myself for their own dispose for up to 13 months. The only other option was to mail a copy of my drivers license as well as social security card. Not doing either. Please assist.

Company response to consumer: Closed with explanation