vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I logged a call to Citibank on XX/XX/XXXX. regarding a credit on my account in the amount of {$900.00} that was refunded from XXXX XXXX on XX/XX/XXXX. I was provided a confirmation number XXXX. I was told by the representative that the money would be put back into my checking account within 3 to 5 days. I've made several calls today only to get the run around. When I request to speak with a manager I either get hung up on or told they don't have one available to speak with. My understanding is that XXXX XXXX only has 7 business days in order to refund. Need 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 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Good Day on XX/XX/XXXX Navy Federal Credit Union took {$630.00} from my saving account XXXX. Alleging that I owe them from a charge off account whereas I had no knowledge off. The representative of Navy Federal on XX/XX/XXXX said a account was open up in my name. She provided the account number XXXX. ( Checking Account ). However I file a Bankrut in XXXX Whereas I was no longer to get a Checking account. Navy Federal claim that the checking account was open in XXXX. They ask me did I ever wrote a check to a Company. I  told them no. This Fraudlent charge was open under XXXX. The failed to provide me a copy of any documentation. Also in XXXX I lost my Dad and had XXXX. I don't know nothing about XXXX. If you have any question please contact me XXXX XXXX at XXXX XXXX XXXX. Your attention in this matter is appreciate. I seeking to get back {$630.00}. Also Navy Federal refuse to speak with me on this matter they hung up mulitple times on the phone to discuss this matter. I ask them to generate this Check under my name. I will be receiving a denial letter in the mail soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery and associates has reported inaccurate, misleading, Unverifiable information on my consumer credit report. 

In & aroundXX/XX/XXXX Portfolio recovery and associates Portfolio recovery and associates has violated fcra rules section 1681 for not providing notice of dispute 5 business prior to reporting. This is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EDvantage LLC
State: CA

Complaint narrative:
I am currently unemployed from my job and I filed for my pandemic unemployment insurance and have been waiting for weeks because of the processing. I have spoken to the representatives over the phone explaining to them that I am not employed and will contact them when I can find employment to make payments. The company Tuition Options is a private education loan account with XXXX UNIVERSITY where I graduated. I owe the principal balance of {$3000.00}. I am receiving calls every month from them right after I have told them my unemployment situation. I've already explained my economic hardship to them and it seems as if they don't care they just want their money. I haven't even paid my rent for months, car payments, and now this. I just want to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I called the credit card company on XX/XX/2020, and ask if I didn't want any charges to go through on the card what can I do, I was told that they could pause the card, so I agreed to that service they had suggested. On XX/XX/2020 the credit card let a charge go through in the amount of {$1000.00}. When I called to find out why the charge went through, I was told that reoccurring charges would go through, I told the credit card company that was not explained to me when I called to stop charges on that card and I was not properly informed so I could have taken different actions at that time, told me I can dispute the charges in which I did, on XX/XX/2020 I received a notice that they declined my dispute dated XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SOUTHWEST FUNDING, LP
State: TN

Complaint narrative:
Entered into contract to buy a house. Loan originator has drug his heels for 2 months. Closing date has changed 4 times and still can't get a firm date to close. Southwest Funding has created a major nightmare

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Please provide Validation of Debt, Assignment of Debt, Method of Verification used as your in violation of my Hippa Rights. Also, unaware of this debt and did not get a notification and option to dispute. 

Revenue Group XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I tried to get a VA home loan through PNC bank, I was told to go outside my branch to XXXX NJ and got XXXX XXXX, he was unhelpful and did assist me what so ever, so I filed a complaint with the escalations team and was assigned a national loan officer XXXX XXXX via email, i was pre approved and asked for a letter for a certain amount that was to be my offer, she sends the FULL amount I was approved for, which is not what I asked for, she says to me that i can use that just not pay that for the home!? this is loan 101 no no, I told her she was wrong and I want the letter I asked for, she sends me this child like word doc with PNC n her name typed with the loan amount, that loked so fake and unprofessional, I told her this and she argued it doesnt matter, I said it does, she refused to get me the color copy which is the official pnc one, but i sent to the realtors and of course I was laughed at and it XXXX off the seller as they thought it was fake too! I file another complaint, then was assigned XXXX XXXX, who told me he likes Vets and will help me! he sent some stuff I needed but then when I asked questions he REFUSED to answer, REFUSED to email me back, then later REFUSED to call me back!! he also aprroved me for XXXX, he DID have the address and the tax info and my INCOME info, he said proceed with the sale, i was at inspection phase and he sends me a letter for XXXX, but wont cal me or email me why. I filed another complaint and got XXXX XXXX his boss, he took over, then REFUSED to answer questions i had on the loan and ones asked by the realtors, I asked ovr n ovr and was ignored over n over! I filed many more complaints via the escalations team, and neither XXXX nor XXXX would reply to me n answer questions. I then was MAILED an approval letter for XXXX?!!? WHY?!?! NO explaination, no call no email, yet was told to buy the house! I filed another complaint, it went nowhere and I was told they dont have to answer questions! I then got another executive manager to look into this, she tried but came back with lies and no answers. all she did was tell me the lies that the loan officers told me! she said they said they didnt have the address or tax or income info which was a lIE as i never asked for the loan without providing that info as that was the ONLY home I bid on! I told her this and she got snippy and still never got me the naswer why my approval went down that HUGE amount! on top of the super unprofessional behavior of pnc mortgage team. I reached out to my branch for help and they refused to help too. this was XXXX - XX/XX/2020. I have many emails asking for HELP on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020. I received a letter in the mail from XXXX XXXX. It stated that they were notifying me of an incomplete application. XXXX XXXX specifically stated that they could not validate information provided in a credit application. The letter also stated that if they did not hear from me within 21 calendar days from the date of the application, XX/XX/2020, the application would be cancelled. I would like it to be noted that I did not try to get an account, service or any affiliation with this company. I also have a security freeze on my account to avoid any fraud or identity theft. 
With regards to this, however, I noticed that XXXX placed a hard inquiry on my Experian credit report. I did not authorize nor give permission for XXXX to access my credit profile. I did not try to obtain credit from them. I did not consent to, authorize nor benefit from this account, yet, their ILLEGAL hard inquiry on my credit report has caused me financial injury, invaded my right to privacy, defamation of my character and caused unfair practices on my credit report to occur. I am a Federally protected consumer and, as such, the ILLEGAL hard inquiry has been removed from my report but I have had to spend money and time that I can not regain to get this inquiry removed from my account. My rights under the FDCPA and FCRA has been violated. If I can not get compensated for this illegal practice, I will not hesitate to send out an intent to sue letter and I will take further actions as stipulated under the FDCPA and FCRA laws. This is my first step in giving the companies involved an opportunity to try to make amends to this unfair, illegal practice that they have sustained upon 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 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
The mortgage company PHH has locked me out where I can not go on line to upload documents and they call me and when I say hello the hang up I informed them last month that I have been affected by the Covid 19 Pandemic and now they are attempting to accelerate my loan and they already sold one my other unit for {$15000.00} and they are trying to rip me off for {$89000.00}.

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 2020-08-25 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: Rocket Mortgage, LLC
State: MA

Complaint narrative:
My husband and I are looking to begin going through the home buying process and googled a pre-qualification online, and found QuickenLoans. They explicitly stated the difference between pre-qualification and pre-approval on a very helpful article on their website. The main difference being for pre-qualification it is not hard pull, and amount can vary and change, while pre-approval was a hard pull on your credit and more concrete amount for mortgage. Since we just started looking my husband and I opted for pre-qualification, while going through the process on Quicken Loans it prompted me to put in my personal information ( social security #, address, DOB ), and then the next screen was consent for Quicken Loans to " access my credit ''. The next page when I selected to continue, did not give me a pre-qualification number only a phone number to call. It was Sunday so we called on Monday, which Quicken Loans could not find my pre-qualification application, we were then notified later that day by our credit monitoring that Quicken Loans had done a hard pull on our credit. When we called them back we spoke with XXXX XXXX who stated that we gave " consent '' we expressed that it was misleading and we didn't even get a pre-qualification number, which she was also never able to provide us with. We asked her to remove the hard pull, ( XXXX said they have the right to remove the inquiry by law ), but they have refused to do so and will not direct me with anyone else to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
XX/XX/XXXX, I got a car financed through Santander Consumer USA bank for {$12000.00}, now it is XX/XX/XXXX without missing a payment. My loan is still {$10000.00}. It only went down that little because I started paying more. The XXXX loan was 72 months and the interest was already inside of the payment {$320.00} and then they added a simple interest also. I discussed this with several Representatives nothing never changed. I am not reaching out to you for help. Because if I haven't paid this loan down by now, it will never go away. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I applied end of XXXX, XX/XX/XXXX was given an approval letter stating they had verified income debts and assets, which was valid thru XX/XX/XXXX to close on the home on XX/XX/XXXX I had in contract after submitting all necessary documentation for review. Around XX/XX/XXXX they asked to delay close to XX/XX/XXXX as they were still verifying insurance, property taxes and condo docs. I had to give notice at my apartment and did so to be out XX/XX/XXXX which would have ben plenty of time to get situated and they had leased it for XX/XX/XXXX move in. 

They said at some point that they had to close the application due to their " internal compliance timer being up '' and to restart the loan process, which I did and not to worry. this time they said I couldn't use my business income, so the CPA audit they had me pay for the 1st time around was for nothing, and they won't reimburse that cost. My moving expenses became higher due to having to move to another location temporarily and incur storage costs. I lost half my earnest money because they failed to honor their approval commitment letter. All said, I was out almost {$7000.00} in expenses ( reduced for what they would have been if the move happened as planned ) that won't be reimbursed. 

TO date I have received not in in writing by mail explains to me why I was denied credit for either application i made with them. In fact I have almost zero correspondence that has anything to do with regulatory disclosures and actions, and actually found some of those that were electronic had ben deleted from the portal I used on their website for document retentions and submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: AR

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$1700.00} XXXX XXXX {$54.00} XXXX   XXXX {$98.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$210.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX {$1800.00} XXXX XXXX {$1400.00} XXXX XXXX {$450.00} XXXX XXXX {$710.00} XXXX XXXX {$120.00} XXXX XXXX   XXXX {$710.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} DEPTEDXXXX   XXXX {$5500.00}

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 2020-08-25 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: AR

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$1700.00} XXXX XXXX {$54.00} XXXX   XXXX {$98.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$210.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX {$1800.00} XXXX XXXX {$1400.00} XXXX XXXX {$450.00} XXXX XXXX {$710.00} XXXX XXXX {$120.00} XXXX XXXX   XXXX {$710.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} DEPTEDXXXX   XXXX {$5500.00}

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 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt. 

PHOENIX FINANCIAL SERV # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This complaint is against the credit bureaus i disputed incorrect information on credit reports i sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to recieve a response period. I am filing a complaint the following account XXXX XXXX a creditor is reporting incorrector open of this account ex open XX/XX/XXXX but experian and XXXX reporting open dates of XX/XX/XXXX the date of last activity reporting experian XX/XX/XXXX and XXXX XX/XX/XXXX how is it possible for this account to be open after the lease date also how is this reporting two different dates of last activity this account has been reaged and also is not reporting any payment on my credit report I also attached a lease agreement and proof of last payment.according to my credit report how can experian report the open date and last activity as the same. 
XXXX XXXX is reporting incorrect open dates three differents of last activites all across the bureas how can they be incompliance with the FCA when they wont correct or delete inaccurate information on my credit report, i have attached lease agreement credit report proof of payment ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One has decided to decrease the credit limit on a card that I no longer use regularly as of XX/XX/2020. The credit limit was XXXX and is now down to XXXX. A reduction in available credit of XXXX is detrimental to a consumer 's credit score and can negatively impact a consumer 's ability to purchase or refinance a home or vehicle. According to Capital One they have done this to many consumers, some of whom may be in the middle of a home mortgage transaction where a decrease in credit score could mean the difference between an underwriting approval or decline. Capital One does not have the right to harm consumers in this way. I called Capital One today, XX/XX/2020, to explain this to them and they refuse to reverse this harmful decision.

Company response to consumer: Closed with explanation