vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I was a victim of identity theft. During the course of this fraud, several bank accounts and credit card accounts were compromised. 

On XX/XX/2020, I received a fraud alert that someone was attempting to use an account number under my name with Citicards to make a foreign cash withdrawal in XXXX. I immediately ( within seconds of the fraud alert ) called Citicards and informed them of the fraud, and instructed them to reverse the charge. They assured me it would be reversed, and that a new card would be issued. 

On XX/XX/2020 I received the new card account and saw that a charge for {$500.00} was authorized and an associated {$25.00} fee was added to my account. A statement was issued and a demand for {$520.00} was made from Citicards to me. I once again contacted customer service, and was told within 3 business days this would be reversed : XXXX : Citi has gone ahead and taken care this for you!! 
XXXX : Be rest assured Citi is there for you and wont be satisfied until you are You : When will I see the {$500.00} charge removed and the {$25.00} transaction fee removed? 
XXXX : you can see once you receive the new card and there will be no transaction posted on the account!! you can surely save this chat as a proof and the account will be good to go. 

On XX/XX/2020, I checked the account and it was still showing a {$520.00} amount due. I contacted Citicards customer service and was told I needed to contact the fraud department. 

Both a fraud department representative from Citicards and a supervisor in the department told me that I would be required to pay the full amount and all associated fees. 

I believe this is potentially a violation of not only Citicards own terms and services, but of state and federal law. 

I asked them to issue a provisional credit immediately ( {$520.00} XXXX for the fraudulent charge, pending final review, and they said that it would not be possible and I needed to pay the full amount or have it go on my credit report as a late fee.

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 2020-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
They try to contact me after I have written they how contact and requested them to validate this debt to which they have ignored. And there are many complaints about same problem and they do not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AL

Complaint narrative:
I paid my XXXX mortgage with Bayview Loan Servicing LLC. I have a confirmation number for my payment, and my payment came out of my bank account. My agent said that a mistake had been made and that my account had been sent to foreclosure, but he took my payment anyway. He assured me, though, that he would contact his supervisor and have the process halted. This morning a woman and knocked on my door saying she represented a third-party and that my home was in foreclosure and she was doing an occupancy check. I contacted XXXX XXXX. XXXX said that Bayview is in the business of foreclosing on homes. I want to be placed with a more reputable mortgage company. You can not even get a person on the line when you called their numbers. One of their list of numbers is for a cruise company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I presently experiencing an hardship after a divorce, therefore I was attempting to refinance my current mortgage. However, I was unsuccessful, because the appraisal company obtained through Quicken Loans, did not provide a fair and accurate appraisal on my home, which hindered me from moving forward and also wasting my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This debt is not mine someone else made this fraud on me and it wasnt me that signed I want this off my credit now in all three credit reports. I demand this debt off or else Im sueingvthe company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I took a cash advance from Capital One on XX/XX/2020 in the amount of {$200.00} at an interest rate of 26.74 %, understanding that there were different fees and interest terms applicable to the advance than to that of my typical card transactions. Specifically, that there was an upfront fee of {$10.00} and that there was no grace period in which you could pay off the amount of the advance to avoid interest charges, as the interest charges begin the moment you take the advance and are applied daily. 

On XX/XX/2020 I made several other credit card payments using my Capital One card. 

Also on XX/XX/2020, after receiving my Capital One statement in the mail, I called Capital One to confirm that the charges and interest I incurred were in fact on behalf of the cash advance and to pay it off in order to avoid further interest charges and fees. 

I got through to a customer service representative named XXXX whose Employee ID is XXXX. She explained to me that in order to pay off my cash advance, whose fees and interest are applied differently than the other transactions on my card, and was accruing interest daily with no grace period in which I could pay to avoid interest, Id have to pay off the cards balance in full, including the new charges I made earlier that day. 

Additionally, I was told the new charges I made that day would not post on my account until at least the following day, so even if I paid the cash advance total, the fees, and the daily interest that had all already posted on my account, Capital One would not cease to collect interest on the cash advance. 

They would not cease to collect interest on the cash advance until the card balance was paid in full, and I could not pay the card balance in full even if I wanted to, because I could not pay charges that hadnt posted yet. 

She then escalated the call to a senior supervisor whose name was XXXX and Employee ID was XXXX. I asked her if I could pay the cash advance and associated interest and fees off separately to settle that debt. She told me no, and that even though the transactions have differing fees and interest application rules, that once the charge was on the card with other transactions she could not apply payment to the specific transaction. 

The call was then ended with no resolution, and I was told the only way to pay off the cash advance was to wait until all my transactions posted, incur more daily interest charges, and then pay the card off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This debt is not mine I demand that is taking off my credit someone use my information and use this card not me. If its not I will file a Cease order to the above credit repor if its not fix. I deman that this debt to take it off my three credits report its hurting me I cant do anything bc this scammers reunite my life.

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 2020-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
JP Chase Morgan turned my mortgage over to XXXX XXXX XXXX. They sent all my correspondence to the address they knew I was no longer occupying. Both XXXX and Chase sent information to my XXXX XXXX XXXX, XXXX, XXXX, AL XXXX address versus my apartment address. As a result, I did not know that my mortgage had been refinanced and that I needed to start paying a trial payment starting in XXXX and ending in XXXX. 
I made my payment to XXXX in XXXX. I had trouble making this payment. I contacted Chase about this problem. Of course they told me that they no longer had my mortgage. They do direct business with XXXX, and XXXX occupies their city-block building at XXXX XXXX   XXXX in XXXX XXXX  XXXX. Although I made my payment in XXXX, my home is in foreclosure. Indeed, a woman from a third-party came to my door this morning and did an occupancy check and took a picture of me at my front door. 
Chase is the largest bank in America and supposedly one of the most reputable banks in the entire world. I would anticipate that they would do business with more reputable companies. Chase should have at least contacted me by phone or emailed to let me know of the eminent change in the status of my mortgage. Indeed, I informed them of my medical status and that I had been in and out of the hospital and oftentimes completely unable to have access to my mail and other forms of information including my cell phone. Specifically, I have been in psychiatric wards where you are not allowed to have access to your cell phone and are only allowed to make phone calls at certain times of the day oftentimes not during business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: MI

Complaint narrative:
Hi, I reached out to Veteran United in search of more information for either a VA Loan or an FHA Mortgage. During the information collection process, I was VERY specific that I was only looking to inquire more information bout the application process and how it all works and that I had NO intention to purchase right away. 

Instead, the Mortage broker assigned to my application ran a " Hard Pull '' on my credit report which I had no intention of approving at this time since I'm still in the credit rebuilding process and a hard pull will do nothing but to affect the reliability of my creditworthiness. 

I reached out to the broker and his response was " Your credit will bounce back eventually '' not addressing the fact that I did not authorize this credit pull, and if in any way, shape or form it was implied on their end, it wasn't specifically explained to me that a hard pull was going to take place. 

Now I have it on my credit report and it will be there for 2 years for no reason unless otherwise, Veteran 's United rectifies this issue as soon as possible. 

Although I have every intention to keep working with Veterans United on the home buying process, a hard pull at this time is not what I had in mind, since I need to position myself in the best position to succeed when I'm ready to move forward with this mortgage.

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 2020-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
This company continues to report deliquent payments on the credit bureau websites despite the fact that I am current. This is causing emotional stress to me because I continuously have to address this. This is a violation of fair reporting. Help all consumers fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: VA

Complaint narrative:
TransUnion Consumer Solution will not delete previous old addresses off their Credit Reporting. I have notified request removal in two ( 2 ) letters ; one ( 1 ) Certified letter with Notarized documents with current mailing address. All other addresses that are not deliverable to me by the US Post Office are not reportable per the FCRA and are inaccurate information.

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 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CT

Complaint narrative:
Rented through XXXX XXXX XXXX in XXXX XXXX XXXX Florida. After moving out, I was asked to pay a fee of {$870.00}. I paid the fee within a week. It was still sent to collections company of Hunter Warfield.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo let me open and use personal checking account well I knew this person who I loaned money to and paid me back with a check. It bounced and I was let go from them and she was not they are horrible in XXXX, MS to deal with then they started closing all these accounts at the same time so I believe I was one that was caught up in that mess.

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 2020-02-15 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: VA

Complaint narrative:
TransUnion has failed to do a proper investigation regarding this fraudulent account that appears on my credit report. I have made TransUnion aware of this alleged medical debt that does not belong to me numberous times. They continue to update my credit report stating that this account meets " FCRA requirements '' in an attempt to pretend like they are doing an investigation when all they are doing is updating the date and relying on the collection agencies false reporting. They are solely relying on the original source ( XXXX XXXX XXXX ) as verification that this account belongs to me. The address attached to this account is an address that does not belong to me ( see Attachments ) On XX/XX/2020 I filed a lawsuit against XXXX XXXX and XXXX XXXX XXXX. However Transunion has a duty to conduct a real investigation outside of the original source. As a result of TransUnions Failure to conduct a real investigation, They have defamed my character by reporting an account that is not mine.

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 2020-02-15 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Informed SYNCB/PPC that I did not request any credit, or credit card, from them. Wrote the letter and attached documents showing I was a victim of credit card fraud. Then, I faxed too. Mailed : XX/XX/2020 ( after receiving notification from XXXX XXXX ) and faxed as well : XX/XX/2020. Nothing from them and their HQs shows XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT, XXXX. I want the card removed and the debt canceled. I did not submit anything to SYNCP/PPC. Obviously, they have the wrong address too. Nothing ever received from them. By the way, card was " approved '' XX/XX/2020 and the thieves ran the card up the same day ; less {$8.00}. Sent them my FTC Identity Theft Report and Driver 's License ( less full # on it XXXX showing my proper identification. Did everything to comply with section 612 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. para 1681s02 ( a ) ( 1 ) ( B ).

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 2020-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: VT

Complaint narrative:
I have had my house since XXXX and my first payment was due XX/XX/XXXX, I paid that and it went through fine, then my mortgage company switched lenders and every month since then I have not been able to make a payment! They have taken it out of my account multiple times a month and still say Im missing payments, Ive had the available funds each time Ive told them to take it out of my account and now they are trying to make me pay 3 monthly payments in one day! Ive asked to speak to a bank manager and they wont call me back, Ive emailed them with bank statements proving I have the funds and their taking out and its not a issue on my end and they wont email me back, Ive called multiple times explaining that they need to work this out and they threaten foreclosure on us if we dont make 3 payments in one day! All I want it to be able to make my monthly payments! My credit score has been affected tremendously because of this lending company and its causing my husband and I a extreme amount of stress.

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 2020-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Regional Management Corporation
State: NC

Complaint narrative:
When they call they always use abusive language. One person in particular whose name is XXXX works there and another guy, constantly calls at least 7 or 8 times a day after I've told them when they will receive their payment. They seem to not communicate these messages to each other so it become constant. 

My husband and I are over XXXX years old and this has become frustrating to him especially because he has XXXX and gets upset much more easier than I. But it has gotten so worse that I'm even tired of all the abusive calling. 

I told them when I sent my last payment not to call me anymore, but if they needed to reach me, they could do it through a XXXX, who I can't afford to retain. I just wanted them to leave us alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have an Auto Loan through BBVA Compass Bank and I have been paying the required XXXX per month but the balance owed does not reflect what I have paid out and I have not gotten answers as to why or where my money has gone. I bought the car for {$43000.00} and have paid {$10000.00} to date. My account not only does not reflect that in the current balance due on the account, but also states that I am passed due {$3200.00}. This past due amount coupled with the current balance, {$39000.00} reflects as if I have never made a single payment on the vehicle in which I have had for 1 year and 3 months. In contacting this bank I was placed on hold numerous times and when I did get through they offered no response or resolution as to why my account was reflected this way. They only demanded my cooperation in taking care of the past due balance. I went to look the up on XXXX XXXX XXXX and saw that they are not XXXX  accredited ; which prompted me to seek further help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest recovery systems has re-aged a debt that has past the statue of limitations and is failing to report the date of first delinquency ( DOFD ) properly. Instead they have reported it as new debt as of XX/XX/2020. I have already disputed it and they still fail to report it properly since it would show that the DOFD is well over the statue of limitations. And even the debt amount owed is false since the original debtor ( XXXX ) over charged me the loan and I refused to pay anything above the original agreement. But this was well over 6 years ago and has now showed up as new debt by Midwest recovery systems through the tactic of re-aging. Which sadly is done a lot by this firm from what I have read on-line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
We spoke to a phone representative from XXXX XXXX  which is a financial representative of XXXX XXXX on XX/XX/XXXX the bill was due on XX/XX/XXXX We asked to pay the balance in full for approximately {$100.00}. 
A week later we were assessed a service fee of approximately {$40.00} as balance was not pain the XXXX and then they charged approximately another {$40.00} service fee on the service fee.

Company response to consumer: Closed with explanation