vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
In XXXX Ocwen contacted me to modify a loan on a property. I had abandoned the property after my late husband died and my previous loan servicer, Litton, would not consider a modification. So for 2 years the property was vacant. When Ocwen contacted me I was glad they were willing to work with me since the property being abandoned was a source of XXXX for me. I was told I could not apply for HAMP program thus being given a Shared Appreciation Modification. This has two qualifiers- you owe more than the property value and you dont qualify for HAMP . The modification was done at 2 % on {$120000.00} for XXXX payments ( {$730.00} ) ending XXXX. Payments were fine until XXXX I had some financial issues and got behind. So I requested a payment plan and was told I had to modify the loan. The modification terms were 4 % on {$120000.00} of which ( {$19000.00} ) deferred as forgiveness for next 3 years in equal parts RESULTING in NEW principal balance of {$100000.00} for XXXX payments ( {$750.00} ) BUT SOMEHOW there is a balloon payment of {$69000.00} due and to be paid in full on XXXX/XXXX/XXXX. This was a deceptive modification that had unjust costs. At some point my loan was transferred to a subsidiary of Ocwen, PHH now going by XXXX. 

Recently my mother and father died so I needed some assistance. I requested again a payment arrangement, was delayed 3-4 months due to the companys inconsistent contact which caused the amount to surmount. The terms finally being given as 3.625 % on {$110000.00} for XXXX payments ( {$800.00} ) ending XXXX, which has a balloon payment of {$82000.00} at end of term. 

These unlawful practices should be illegal. They are taking advantage of those in desperation. The value of the property is far less than they are asking for the mortgage. This loan started in XXXX at {$94000.00}. Now Im being charged double. 

XXXX XXXX, formerly XXXX XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This is a complaint against EXXON/CBNA has run my credit without my authorization and left authorization hard inquiry that impacts my credit so i submit a fraud alert on 3 credit report companies and identity theft EXXON/CBNA Oil Company Credit Cards Inquiry date : XX/XX/2019 2019

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX again ran my credit for a company called XXXX  XXXX  XXXX. After they knew the company was fradulant but this time they used a different ss number.

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 2020-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
On XX/XX/2020 payment of XXXX $ was submitted to Chrysler Capital as a settle in full offering and was advised that this will be deleted from my credit report since the account was considered Paid In Full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I AM A VICITM OF AN IDENTITY THEFT, AND NUMEROUS TIMES I HAVE REACHED OUT TO BANK OF AMERICA AND TO XXXX  TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE CHARGES ON THE CARD ARE FRAUDULENT, THE ACCOUNT WAS OPENED WITHOUT MY CONSENT. JUST BECAUSE THEY ARE BIG CORPORATIONS, THEY ALSO HAVE TO UNDERSTAND THAT I AM VICTIM AND I SHOULD NOT BE PENALYZED EVEN MORE.

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 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Booked a trip using my miles+cash on XX/XX/2020, from XXXX to XXXX to XXXX. Trip ID XXXX. Ref. No. XXXX. Agency Ref. No XXXX. Since the trip has been canceled. I used 110K miles plus {$230.00} on my Capitalone credit card. It is impossible to speak someone from their travel agency. I was on hold more than 2 hours. Impossible. All I want is my miles and cash back. I am a XXXX  years old senior. Finally, this morning talked to someone, she told me they can only give me a credit for this trip, a supervisor was going to call me in 5 days. I want my miles and money back. Appreciate your help. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Based on the Citi New checking account target promo details, deposit {$15000.00} and maintain 60 days will receive {$500.00} bonus in 60 days. I have completed the deposit on XX/XX/2019 and and maintained at least 70 days. So far still do not receive the bonus from Citi.

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 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On Wednesday XX/XX/2020, I used the IRS wheres my payment app to find out when I should expect my stimulus payment deposit to hit my checking account and at the time it showed me the payment was to hit my account that day. I then check my Chase bank app to see if it had, to which I saw nothing. So I want back to the IRS website and looked at the last 4 of the account that it was to be deposited in, the last 4 digits displayed were ( XXXX ), which I realized wasnt mine at ( XXXX ). 

I then called Chase Bank, and waited on hold for nearly 2 hours by I spoke with someone there, they told me I  needed to file a claim, I did that. They told me it would be rerouted into my account in 1 to 2 business which would have been that Friday. It never came, so I called back to find out the status. I was hung up on and given the run around many times. I called my local Chase branch, they took down my information and said theyd call me back that day or Saturday morning never happend. 

I then waiting till that following Monday, to which I waited hours to speak with someone again and they hung up on me. I called back and finally got thru to the claims department, they told me to expect a reroute that night, and still I got nothing. I called to day and was informed theres nothing that chase can do because the deposit was in that persons name and they spent the money and that I needed to take the matter up with the IRS, which is closed due to corona. So Ive received no help. 

I took a picture as proof of the irs website showing the deposit date which the account number my payment was sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am having a problem getting anyone to talk to me, I have tried their live chat, XXXX and phone ... ..I sit on the phone forever, then it hangs up on me. No option to give my phone number for a call back. 

I have had automatic payments for years but just tried to change accounts it pulls from and something went wrong. It didnt pull from the new account and I wasnt notified until after the late payment was assessed. Once I got notified, I paid the payment immediately and deleted the new account and re-set it up because I couldnt figure out what was incorrect about it, I still havent been notified that the account was incorrectly set up, so I dont know that was even the issue ... ..again, no one will talk to 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 monetary relief
Consumer complaint received 2020-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I APPLIED FOR SEVERAL APARTMENTS AND WAS DENIED SEVERAL TIMES DUE TO THE INCORRECT OUTDATED INFORMATION IS BEING REPORTED BY TRANSUNION. 

I CONTACTED TRANSUNION AND INQUIRED ABOUT THE INCORRECT OLD INFORMATION THAT IS BEING REPORTED TO CREDITORS AND CAUSING ME TO BE DENIED. 

TRANSUNION RECOMMENDED TO THAT PROPERTIES THAT I BE DENIED FOR SEVERAL APARTMENTS. I HAVE PROVIDED THE LETTER FROM TRANSUNION PROVIDED TO SEVERAL PROPERTIES. 

MY CREDIT PROFILE HASN'T BEEN UPDATED AND TRANSUNION IS REPORTING IN CORRECT CREDIT INFORMATION AND MY SCORE IS ABOUT 80 POINTS LOWER THAN XXXX. MY SCHOOL LOAN WAS FORGIVEN AND XXXX  UPDATED RIGHT AWAY, BUT TRANSUNION HAS NOT REMOVED.

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 2020-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My Capital One Bank Credit Card was discharged in XXXX  of XXXX. 

The XXXX Capital One Account is still on my Credit Records Report.

Capital One needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In XXXX of 2020, Kohls Store reported late payment and bill was paid off. 

I need Kohls to remove late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
My mortgage was transferred from a different servicer to Loancare in XX/XX/XXXX. With the prior servicer, I was in the habit of making weekly payments to pay down my debt more quickly. Loancare did not apply my payments for 3 months. When I called, I was told that Loancare does not accept partial payments. I pointed out that they had accepted them because they kept the money, just did not apply to my loan. Then it appeared that they fixed the problem, however, the woman failed to mention that the loan # on my payments was not correct. Then 6 mos of payments were not applied to my loan. I wrote to them. Emailed them. No response. I finally got in touch with a person who told me that it was the loan # that was the problem. Meanwhile, my credit rating has been destroyed. My tax statements are wrong and I can't file my taxes. Loancare has taken no steps to fix either. Keep in mind that during XXXX, I paid the equivalent of 14+ mortgage payments because as I said, I like to aggressively pay down my mortgage. So I fix the loan # on my payments submitted and for maybe one month, I think they got it right. My statement dated XX/XX/XXXX that said that I had overpaid. Loancare then deposited XXXX mortgage payments back into my account on XX/XX/XXXX and XX/XX/XXXX. My next statement, dated XX/XX/XXXX said that I was two months in arrears!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was supposed to receive interest on my account until XX/XX/20. Wells Fargo is telling me that I don't get interest on the last day of the expiration date. On my statement It says the interest rate expires on XX/XX/20 but they are telling me I don't get interest on XX/XX/20. So they will only pay me up until the XX/XX/20.

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 2020-04-21 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: TX

Complaint narrative:
Problem with credit reporting.

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 2020-04-21 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: TX

Complaint narrative:
Problem with credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX NEVADA ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, on XX/XX/XXXX I noticed that a company named XXXX charged my account XXXX I waited until Monday when my bank opened to call. I called the Fraud department and filed a complaint. I also reached out to the company XXXX. XXXX agreed that it was a fraudulent charge and instructed me to call my bank. Capital One is refusing to help me cause they said I only had 24hrs to dispute the charge. The Fair Credit Billing Act of 1974 says I have 60 days! Capital One is refusing to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-04-21 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Barclay 's put me in on a " Long Term Assistance Program '' for the credit card on XX/XX/XXXX. The terms were to pay the minimum payment for 60 months and they closed the credit card. This was in XXXX of XXXX. They then continued to report late payments - 120 Days Late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then started reporting On Time Payments in XX/XX/XXXX and XX/XX/XXXX. Then from XX/XX/XXXX to XX/XX/XXXX they have reported 30 Days Late EACH MONTH. I've been making my minimum payments as I was instructed to but Barclay says the way that it records in their system is late ( even though its not 30 days late ). In XX/XX/XXXX they stopped the Late Payments ; however, the previous ones are still there when I was just following the plan that they gave me. They did not disclose that paying the minimum payment and being on the program would still report late payments to the credit bureaus. 
I've disputed this issue with the Bureaus and Barclay 's multiple times but can't get them removed. Barclay 's has admitted over the phone that it shouldn't have reported late payments but they can't do anything about it because of their system reporting. The credit bureaus just verify the information when I dispute with them. 
Further, the letter received when put on this program says that my minimum payment will be {$120.00} and no late fees will be applied.

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 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between the dates of XX/XX/XXXX and XXXX XXXX 2019 I had a total of {$3200.00} fraudulently charged onto my XXXX accounts. ( Both XXXX XXXX  and XXXX XXXX  were affected ). These charges were initially disputed with both XXXX and Bank of America on XX/XX/2019. I had submitted paperwork documenting my fraudulent charges and spoken with no less than 5 separate bank of America employees. For reasons unknown to me the disputed charges were put into two separate claims. One claim was repaid to me in the amount of {$1000.00} however the second claim of {$2300.00} has yet to be repaid. The employees of bank of America claimed the file was in OPEN status for just shy of 5 months. Despite my attempts to speak directly with a manager I was never given reasoning for their denial of my reimbursement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
unfairactions against me as a small businessesseeking government-sponsored coronavirus relief. It concealed from the public that it was reshuffling the PPP applications it received and prioritizing the applications that would make the bank the most money. I was one of the first people to apply with pnc as soon as they released the PPP application online. I applied on the XXXX XXXX, yet I was not able to receive funds because they did not process my application at the time of receipt. Instead they waited ten days to contact me saying I was missing initials and signatures. I immediately corrected and resubmitted the application. Again, they delayed before letting me know they needed more information. It took them ten days from date of receipt to even check my application. Yet, the loans were supposed to be given on a first come basis. They repeatedly asked for the same information that was given to them. And there are correspondences with dates and time to prove that. Small businesses were supposed to get this loan. Yet some how multi million publicly traded. Companies received a majority of the funds.

Company response to consumer: Closed with explanation