vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One has charged me {$3.00} in interest for a credit card that I have with them. I paid the account in full when it was due, in the amount of $ XXXXon XX/XX/2020. I contacted Capital One on XX/XX/2020 and spoke with " XXXX '' a supervisor with Capital One, and explained that I paid my card in full for the period that Capital One was charging me the {$3.00}. XXXX would not remove the interest charge although she confirmed that the account was paid in full for the prior period. I notified XXXX that I would file a complaint with the consumer financial protection bureau which XXXX acknowledged I could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft and the XXXX  data breach. I submitted the fraudulent account information, fraudulent names, and addresses that continue to appear on my credit reports to XXXX, TransUnion, and XXXX  on more than one occasion, over the past few years, to be removed. They have not removed the inaccurate information. According to section 605B of the fair credit reporting act, the bureau 's should have removed these items of identity theft within 4 business days, but they have not. My most recent attempt to remove the false items was on 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 2020-07-09 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: MI

Complaint narrative:
I am a victim of identity theft and the XXXX  data breach. I submitted the fraudulent account information, fraudulent names, and addresses that continue to appear on my credit reports to XXXX, XXXX, and Experian on more than one occasion, over the past few years, to be removed. They have not removed the inaccurate information. According to section 605B of the fair credit reporting act, the bureau 's should have removed these items of identity theft within 4 business days, but they have not. My most recent attempt to remove the false items was on 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 2020-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I've been attempting to refinance my mortgage for over 5 weeks now and new lender is being delayed due to an escrow closeout not being completed in FHA connection. It has been requested several times and not happened. 

Per HUD, the escrow closeout is a task that the lender who originated the loan ( i.e. the company whom you closed the loan with ) or the company who services the loan ( i.e. the one you send your mortgage payment to ) need to complete. 

Per new lender, this is preventing the case number from being transferred.

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 2020-07-09 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
Account was charged off after repossession on XX/XX/2018. The co borrower filed bankruptcy but GM Financial will not disclose if this vehicle is involved in his bankruptcy. The account is still showing open and sent to recovery but in fact according to GM Financial it is charged off. The credit bureaus are not reporting as charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX has sent out letters to collect a debt in the amount of {$4700.00} for capital one but I didn't authorize nor give consent for XXXX XXXX XXXX to have my personal or private information. While attempting to collect a debt that they aren't authorized to collect they used obscene and profane language and threatened to sue to me. They have damaged my reputation via my credit profile, caused me to miss opportunity for business growth. Due to this they have caused major stress in my family as well as my life. They have violated my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was buying a a puppy that was online and they required me to pay {$200.00} through PayPal and I try to cancel it was a scam I tried to get PayPal to refund my money and they refuse not to saying that he was a friend or relative and I did not know him or anyting and it was a puppy scam and I actually text to see if he would refund the money and he wouldn't so I try to work things out with him and he didn't want to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Collins Asset Group, LLC
State: TX

Complaint narrative:
I financed a XXXX XXXX XXXX with XXXX XXXX XXXX on XX/XX/XXXX and defaulted on the loan and it was repossesed XX/XX/XXXX. 
However, XXXX is charged off {$21000.00} and written off the account as well as listed it on my credit report until XXXX. 

XXXX then also sold the account to Collins Asset Group XX/XX/XXXX and they are reporting {$10000.00} past due as of current. Collins Asset Group is also reporting on my report until a different date which will be removed in XX/XX/XXXX. My issue is that both are listed on my account twice for one vehicle and fall of each on different years. Collins A. G. is also reporting inaccurate information in regards to whom the original creditor was..Collins is reporting that I owe XXXX as the original creditor, when in fact XXXX is the original creditor. I hold copies of any information that has been included to support my complaint and or findings. NOTE* This has made my life horrible, I am unable to obtain a better quality of life because of incorrect and wrong information as well as how many different accounts are listed for 1 vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management has sent out letters to collect a debt in the amount of {$4700.00} for XXXX XXXX but I didn't authorize nor give consent for Midland Credit Management to have my personal or private information. While attempting to collect a debt that they aren't authorized to collect they used obscene and profane language and threatened to sue to me. They have damaged my reputation via my credit profile, caused me to miss opportunity for business growth. Due to this they have caused major stress in my family as well as my life. They have violated my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on XX/XX/XXXX i received two paper notices in the mail that capital one was closing my XXXX XXXX and XXXX XXXX Credit cards due to some type of violation of their policy with either one or more of my accounts. I called the accounts review department and requested to know exactly why my accounts were being closed and was advised that it could be due to 1. returned payments or 2. too many late payments on this or any other of my credit card accounts. I advised the call center rep that i have not had any returned payments on this account or any other accounts nor have i had any late payments on any accounts, i informed the rep that actually my credit is in better condition now then it was when i first obtained the cards last year in XXXX. I was told that i could not be given any definitive information about why my cards were being closed and that i could reapply if i liked. I also asked what would show on my credit report and would the information be something that would negatively effect my account and i was told by the representative named XXXX that he did not know. I asked to speak to his supervisor and was informed again that the supervisor did not know and there was noone around who could assist me with getting any answers to my questions. I violated none of the capital one credit card holder policies and my accounts either need to be reinstated or i need a detailed reason why my accounts were closed. I have paid my accounts on time and used the cards as needed, I understand one of the creditors is going bankrupt but it seems fraudulent to close an account with perfect payment status on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2020, I made a {$66.00} purchase through PayPal. However, I sent the merchant an email to cancel the order on XX/XX/2020, and XX/XX/2020. However, the merchant refused to cancel the order but shipped the wrong item instead. Therefore, on XX/XX/2020, I submitted a dispute through XXXX, which XXXX denied. They did not give me the opportunity to appeal my denial with additional documentation. Therefore, XXXX supported a fraudulent transaction with the merchant. In addition, I contacted my leasing office and spoke with XXXX and XXXX. They both confirmed that no package was delivered. However, I received a small package of two masks instead of the sewing table I ordered.Then after further research on the merchant, there were other complaints about the same issues regarding fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received a letter from Bank of America on XX/XX/XXXX claiming I am delinquent on my property tax parcel XXXX. They have the wrong periods, wrong amount, and the bill was for the previous owner and is not owed by me ( current owner ). 

They are threatening to pay the bill and add the amount to my mortgage for SOMEONE ELSE 'S bill. They are fraudulently increasing my mortgage payment after XX/XX/XXXX. 

We went through this issue during refinancing in XXXX, where Bank of America 's title company kept making the same error, and I fired the and hired XXXX XXXX XXXX who gave me a clean title. 

XX/XX/XXXX Called BOFA and spoke with XXXX in XXXX. They said they would open a ticket with the tax team and that this was automatically picked up by the system. Request number XXXX and should be resolved by XX/XX/XXXX. 

I chat with XXXX XXXX XXXX to confirm that the delinquent tax is for the previous owner and would be moving to unsecured in XXXX and that I do not owe this money. I call back and XXXX in Texas says she would contact XXXX in XXXX to add this information to the ticket cause she could not. 

XXXX Called BOFA to check on the ticket. XXXX from Arizona says the back office is still due and going to start an escrow for the property tax THAT XXXX XXXX COUNTY SAID IS NOT OWED BY ME. They will proceed with stealing from me. She submitted a ticket to escalate and have one point of contact to contact me within three business days. 

Chatted with XXXX of XXXX XXXX county who shows no record of Bank of America ever contacting them to clarify or ask about the property tax as promised on XX/XX/XXXX. She said the county would correct them should they contact. Property tax is already being transferred to unsecured status. 

XXXX Called BOFA because the promised call within three business days did not happen. XXXX from Arizona took my call again. Said they're too busy and the call is still pending, even though they have the XX/XX/XXXX deadline. Won't let me contact or speak with anyone directly from Tax. Can't tell me what the escalation call would even help or do. Tries to blame XXXX XXXX county for Bank of America being incompetent in what they do. 

No confidence they are even actually trying and just want to use this as an excuse to increase my mortgage principal.

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 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management LLC is attempting to collect {$140.00} on debt not owed, allegedly on behalf of XXXX XXXX XXXX. 
XXXX XXXX XXXX phone bill was paid in advance and subsequently terminated prior to completion of the service. The amount of {$140.00} represents the refund due for services not rendered on the advance payment. 
Credence has made multiple derogatory claims with the three credit rating bureaus, which have been removed. However, Credence files these claims again each time they are removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TFS FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been attempting to get on the forebarance plan with Third Federal. They offered me three options. With 2 options my credit would be negatively impacted, with the third, they would accrue interest during the forbearance plan, which directly violates the CARES act. I have recorded my conversations with the bank as well, for proof. 

I also was denied a modification. They ran my credit several times unnecessarily, so I am now in a worse position ( lower credit score ) due to the hit my credit score took ( because of their inquires ) They don't care about their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CARD Corporation
State: FL

Complaint narrative:
I opened an account with card.com and I was happy with my account and I didn't have e a problem using my card! I had a direct deposit from my job of {$4200.00} Card.com with out notice or calling me or anything they froze my card and they said they only needed to verify my identity through documents! I saw the email and I immediately sent all the documents they asked for! Then there next excuse was they couldn't see it! So I did what they asked and re-cent the documents in the form that they asked and they couldn't do anything for me they just closed my account and they couldn't explain why either.i did everything they asked to verify my identity. I would like to be reimbursed for the money that was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: DE

Complaint narrative:
I filed a claim with XXXX PUA unemployment. After months of trying I was able to finally setup my claim. The state of XXXX at the time I filed did not offer direct deposit. 
All monies were added to a USBank Relia Debit Card. The last 3 out of 5 times I tried to use the card for a cash advance to transfer the money to my checking account. The card has been declined they give no explanation why. They tell you to call the phone number on the back of the card. They never answer the phone you can be on hold for hous then they diconnect the call.There website is always crashing they have no email address. 
You can not get any information as there is never anyone to speake to. There are thousands of complaints on the internet how you can never speak with anyone .US Relia card is horrible .Probally the worst bank in the country why they were awarded the contract makes no sense.

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 2020-07-09 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: AZ

Complaint narrative:
Apparently, according to XXXX XXXX, cashcall mortgage has sold my mortgage to XXXX XXXX. However I have still not received any notification of this fact from cashcall mortgage. It is not clear if I should send my payment to the new company who seems legit and has apparently purchased the mortgage legitimately because I can get no response and no answers from the current servicer despite repeated phone calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Closed Credit Account Still showing late on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on XX/XX/XXXX capital one decided to close two of my store credit card accounts for reasons that are invalid. I received notice of my account closures on XX/XX/XXXX via usps mail and was advised that they were closed for some type of " security risk '' these accounts had both been opened for almost or right at a year. I called the review team # on the capital one letters to inquire about this decision hoping it was just a mistake. I called and was advised that they could not tell me exactly why my accounts were being closed and that it was either for 1. Late payments or 2XXXX returned payments, when i advised the reps that i have not ever had either on these accounts nor any of my other credit accounts i was advised that they could not help me then because the review departments make the decisions and since they are a back office team there is nothing they can do to assist. I also inquired about what would be displayed on my credit report and was again advised by a rep named " XXXX '' that he didn't know and wasn't sure if it was going to be a negative remark or not, XXXX also advised me that i could not speak with his supervisor because he didn't know either. I feel that capital one is either discriminating against me or they fraudulently closed my accounts which all have perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc.
State: AZ

Complaint narrative:
This XXXX XXXX XXXX ... store that allows people to finance on ok credit is continuously submitting an inquiry into my credit and I have not authorized this. 
I applied once and they did the inquiry. I accepted that and never went back. Why are they still submitting inquiries on me. It is unauthorized Conns furniture XXXX Arizona

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Hey there I received notification of late payment and derogatory mark on all of my credit reports ( XXXX, XXXX, and XXXX  ). I had no prior knowledge of this as i paid my co pays at doctors office for these test, i was never made aware that i owed money or that the insurance didnt cover the lab work.

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