vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
negative items are scheduled to be deleted from my credit report and they still appear

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 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: AZ

Complaint narrative:
On XX/XX/2019, I received a letter from XXXX XXXX, from Loan Cares Office of the Customer, stating that my account would be reported as current starting XX/XX/2019. I am attempting to refinance my mortgage, and LoanCare has not updated the reports to the credit bureaus. After attempting to contact LoanCare, I was told that someone has verify that what XXXX XXXX did was correct. I have attached the letter sent to me by XXXX XXXX. As I stated, I am trying to refinance my mortgage, and LoanCare`s incompetency is preventing me from doing so.

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 2020-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a capital one spark business credit card, what i mistakenly over paid on XX/XX/2020 with the more then 30k using a bill pay service, so i have there a credit balance over 30k. 
and they are refusing to refund it to me, first they requested all type documentation, what i did supply them, but they are still refusing to refund me. i was forced to close my account in order it should be released, they promise me that will got the check by the end of last week, but noting arrived. 
As of now XX/XX/XXXX capital one keeps my money over 3 months, and i still didn't know when/if they will give me back MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent three rounds of dispute letters to Equifax in the months of XXXX through XXXX each time I asked them to validate these medical accounts but they never did, as a result, they're telling me they're no longer investigating on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: FL

Complaint narrative:
PREDATORY LENDING, UNAUTHORIZED CREDIT INQUIRY On Friday, XX/XX/XXXX, I received an unsolicited call from Quicken Loans. The banker said she would like to review my account and see if there are any refinance offers available. I did not authorize the banker to run a credit inquiry, and the call ended. I then received a notice from my credit monitoring service that all three credit bureaus had received a hard credit inquiry. I contacted Quicken Loans to make sure they knew I did not authorize a credit inquiry and they refuse to remove it. My phone number is also on the do not call list. I was also contacted by unsolicited texts without my consent. 

Quicken continues to falsify the story, dismiss the negative impact to my credit report, and is unable to provide any evidence of my consent to a credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
In XXXX, I received a title loan from check into cash. I was behind on my payment. They repossessed my vehicle and I hadn't heard from the company sense then. I tried reaching out to see how I could get my car back without a response. Then in XXXX Till now my state tax refund is being taken for the registration for the vehicle. So I reached out to the company again to see what was going on and they said they had returned the car to me in XXXX, which was false. Then they said they would look into to where the car was and never responded after that, so I called again and they said it was auctioned off. I then asked for a copy of the account history, which they agreed too. It has been a week sense then and I still haven't received anything regarding the issues. I would like them to give me a copy of the file to see if they're actions were in accordance to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2019, I received a letter from XXXX XXXX, from XXXX XXXX Office of the Customer, stating that my account would be reported as current starting XX/XX/2019. I am attempting to refinance my mortgage, and XXXX has not updated the reports to the credit bureaus. After attempting to contact XXXX, I was told that someone has verify that what XXXX XXXX did was correct. I have attached the letter sent to me by XXXX XXXX. As I stated, I am trying to refinance my mortgage, and XXXX`s incompetency is preventing me from doing so.

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 2020-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is against Citibank , N.A . due to the institution 's failure to issue a {$2000.00} credit balance refund. 

On or about XX/XX/XXXX, a debit card payment was made to a third-party, XXXX XXXX/XXXX XXXX XXXX and on or about XX/XX/XXXX, a refund for the same amount was issued to my Citibank debit card ending in XXXX. 

The problem is that the checking account associated with said debit card was closed days earlier ( the merchant issuing the refund was unaware ). Since the time of the refund, I have contacted Citibank Customer Service no less than five times, having spoken with at least two supervisors who have promised to have the refund of {$2000.00} sent to me by check in the mail. 

It has been a month and this institution has failed to resolve this matter satisfactorily. I request the assistance of the Consumer Financial Protection Bureau to rectify this matter as soon as humanly possible.

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 2020-02-03 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: FACTUAL DATA CORP.
State: FL

Complaint narrative:
PREDATORY LENDING, UNAUTHORIZED CREDIT INQUIRY On Friday, XX/XX/XXXX, I received an unsolicited call from XXXX XXXX. The banker said she would like to review my account and see if there are any refinance offers available. I did not authorize the banker to run a credit inquiry, and the call ended. I then received a notice from my credit monitoring service that all three credit bureaus had received a hard credit inquiry. I contacted XXXX XXXX  to make sure they knew I did not authorize a credit inquiry and they refuse to remove it. My phone number is also on the do not call list. I was also contacted by unsolicited texts without my consent. 

XXXX continues to falsify the story, dismiss the negative impact to my credit report, and is unable to provide any evidence of my consent to a credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: PENNYMAC LOAN SERVICES, LLC.
State: MT

Complaint narrative:
I attempted to make a payment on my mortgage on or around XX/XX/2019. Due to PennyMac 's website being down I was unable to do so. I attempted to call in but the wait times of 20 minutes+ precluded me being able to do so. In XXXX I again attempted to call and spent over 4 hours on the phone attempting to get this corrected. I was told at that time that it would be corrected on my credit report because of the poor customer service I got from PennyMac. I have now called three more times to follow up on this as it is still reflected on my report as late. Each time I called I was assured it would be handled and nothing further would be needed from me. There is not direct line to call at PennyMac ; when I ask for someone I am told " it is all done on the backend. '' Whatever that means remains a mystery. I have never been late on my mortgage. Being unable to speak to anyone about this is most frustrating. I have a VA loan and PennyMac like to brag about how many veterans they service. This is one vet that will call XXXX on that. It's time big companies are held responsible and they hold themselves more accountable. Clearly, this experience has shown me that PennyMac simply does not care about veteran 's, only the money their loans generate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I purchased my home in XXXX and my loan was with Bank of America. I am in the process of selling my home and I found out a month before it was listed that my mortgage was sold to XXXX XXXX XXXX in XXXX of XXXX. Bank of America continued collecting my payments until XX/XX/XXXX and now XXXX XXXX XXXX is claiming that my loan is in default and threatening to foreclose. My house was supposed to close on XX/XX/XXXX. They are trying to charge me the back payments, penalties, and interest. I would need to bring XXXX to sell a house I purchased 13 years ago. Please help me as soon as possible.

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 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A item on my credit report has been illegally negative re-aged. Here is the background. 
Someone opened a XXXX account in my name. 
Approximately 8-9 years ago it went into collections. Approximately 3 years ago I disputed it and it was removed from my credit report. A few months later it re appeared with a new date of XX/XX/2017. 
The item is as follows Debt description XXXX XXXX Current creditor XXXX XXXX XXXX XXXX Amount of the debt {$1100.00}

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 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
A item on my credit report has been illegally negative re-aged. Here is the background. 
Someone opened a XXXX account in my name. 
Approximately 8-9 years ago it went into collections. Approximately 3 years ago I disputed it and it was removed from my credit report. A few months later it re appeared with a new date of XX/XX/2017. 
The item is as follows Debt description XXXX XXXX   Current creditor XXXX XXXX XXXX XXXX Amount of the debt {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, THE DISCOVER BANK IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. NUMEROUS TIMES I HAVE REACHED OUT TO THIS BANK AND TOLD THEM THAT THIS A FRAUDULENT ACCOUNT, THIS ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. DISCOVER NEEDS TO UNDERSTAND THAT THIS IS A FRAUDULENT ACCOUNT, WHY SHOULD I BE PUNISHED BECAUSE SOMEONE FRAUDULENTLY OPENED THIS ACCOUNT, AND NOW I AM BEING PUNISHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
We previously had XXXX XXXX & we were transferred to NewRez/Shellpoint Mortgage Company. They provided free telephone payments and issued a charge if you made online payments. I just received an email that they are now charging for the phone payments and charging {$1.00} for online, if acceptable in our state. I wanted to know if Illinois was allowing them to charge us {$1.00} for this online " service. '' Also, how can they charge money for paying your own mortgage? I called NewRez three times going through the prompts. All three times, when you choose to wait for a representative, then a short 10 second wait and you are disconnected. This is our mortgage company and there is no way to contact them? It is beyond ridiculous and I need them to accept calls. They are terrible with customer service and confirmations. They are not professional at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
NAVY FEDERAL CREDIT UNION AND ITS NON EMPLOYEES WHO'S NAME WAS XXXX FROZE MY XXXX OVERDRAFT ATTACHED TO MY CHECKING ACCOUNT THATS IN GOOD STANDING WITHOUT GIVING ME PRIOR WRITTEN KNOWLEDGE THAT MY OVERDRAFT WOULD BE FROZEN AS THE LAW REQUIRES. 
XXXX ALSO OECN XX/XX/XXXX AT XXXX INTO THE NEXT MORNING SAID HE DIDN'T WORK IN COLLECTIONS WAS DEMANDING I PAY FOR ANOTHER ACCOUNT OR MY GOOD STANDING ACCOUNT WOULDN'T HAGE MY OVERDRAFT PROTECTION. THATS NOT WHAT MY INITIAL CHECKING TERMS AND AGREEMENT STATES ..NFCU also on my online still had my checking account XXXX and some cents after I made a deposit of XXXX Today at XXXX XXXX on XX/XX/XXXX on my online account nor the date or error was updated but XXXX still accepted my XXXX bringing my account current and positive. 
XXXX was rude and my fiance tried to explain but he said he'd have to have the entire XXXX paid also in the positive causing me another financial hardships. 
Also I wrote the President of NFCU she transferred my account to Collections when nor my loan or checking account they opened without hesitation because I've been a good member and customer since XXXX. 
This has caused me to have to borrow money from family and friends therefore causing embarrassing situation that wasn't necessary. 
Only if they hadn't froze my account if I have to I recorded the violations XXXX the supervisor stated in our conversation. I was never contacted in writing or told by telephone as the law requires to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: NJ

Complaint narrative:
I applied for 3 year loan from one main financial. It was advertised as a 3 year loan, and it still is advertised as a 3 year loan. When I signed my contract I was shown that I was signing a 3 loan. I tried to work this out with the company. But the person who was in charge of this. Doesnt work their anymore, I asked for a copy of the contract I signed. The sent me a different contract that was esigned. Thats a different contract than the one that I signed in person. Thats a five year contract thats Im paying back three times than the amount that was borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
We received a letter today ( XXXX XXXX ) from a debt collector Caine & Weiner regarding an alleged ( {$1300.00} ) debt of my sister XXXX that was wrongly addressed to myself and my wife. XXXX is XXXX years old, has XXXX XXXX and is in an XXXX XXXX home called XXXX XXXX in XXXX XXXX Michigan. My wife and I who assist in helping my sister contacted Caine and Weiner as soon as we receive the letter to : 1. Dispute the validity of this debt, 2. Let them know this is XXXX medical services and should not be directed towards myself or my wife but only to XXXX. 
3. To also let them know that we are not financially responsible for XXXX care, only her patient representative. 
4. And most importantly request copies of the financial agreement and the itemized statements. 

At XXXX XXXX  we spoke to a Mr. XXXX XXXX of Caine & Weiner to  dispute their claim and request the itemized statements and financial agreements. He told us we needed to send him a copy of my signature first. I let Mr. XXXX XXXX know that thats not proper and that my request as stated in his letter does not have any conditions. Wed have 30 days to dispute this and so we wish to dispute it. He continued to press me for my signature to be sent as a technicality in order to send us the information he has. We are aware that under the fair credit reporting act there are no contingencies attached to his sending us the documentation to assist us with disputing the validity of this claim. 

His demanding this does not comply with the law properly. We went around and around in our conversation letting him know we wished for the information to be sent and he kept reiterating the fact that he needed me to first send him mysignature in order for that to be done. This conversation was recorded and would be available to anyone wanting to know the facts of the conversation. 

He also implied that since we had talked to our attorney friend that he no longer wished to deal with us and and could not send us the information but that he would send our attorney friend the information. We told him we only spoke to our attorney for advice and he is not representing us, but Mr XXXX said he wished only to talk to him anyway. 

We believe this behavior to be not only aggressive but illegal according to the law. We wish you could look into this situation and not only correct it for us but other people theyre using these tactics on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XXXX of 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-02-03 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:
For years I wondered about my credit score never being consistent. I never in a million years would of thought that someone else was using my social security number and name to open up big accounts. I decided to get my credit pulled and there was SO MANY ACCOUNTS OPEN under my name that I have never in my life seen before. It is a real upsetting situation and it insane the amount of accounts that had been open or are open. Please remove these accounts from my credit report as soon as possible. 

XXXX XXXX/XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$6300.00} DEPT OF ED/XXXX   XXXX {$22000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$4000.00} XXXX/XXXX XXXX {$670.00} XXXX/XXXX XXXX {$290.00} XXXX/XXXX XXXX {$550.00} XXXXXXXX XXXX   XXXX {$900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$870.00} XXXX XXXX   XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} DEP ED/XXXX  XXXX {$12000.00} XXXX XXXX  XXXX {$9100.00} DPT EDXXXX XXXX {$22000.00} XXXX/XXXX   XXXX {$670.00} XXXX   XXXX {$6400.00} XXXX   XXXX {$4000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX  XXXX {$4000.00} XXXX XXXX {$4000.00} XXXXL XXXX {$4000.00} XXXX XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$2500.00} XXXX XXXX {$120.00} XXXX   XXXX {$2000.00} XXXX   XXXX {$2600.00} XXXX XXXX {$890.00} XXXX  XXXX {$870.00} XXXX   XXXX {$2600.00} XXXX XXXX {$2000.00} XXXX  XXXX {$3500.00} XXXX/XXXX   XXXX {$720000.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$5800.00} XXXX  XXXX {$5300.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2000.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$560.00}

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