vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I financed a XXXX XXXX XXXX on XX/XX/XXXX. The dealership valued the car around {$16000.00} and the loan interest was around 26 %. I was up to date with my payments even though the interest was unreasonably high. I had the car for about 3 years and had paid almost the amount that the dealership valued the car but because of the unreasonable interest it seemed like I had paid nothing because the remaining owes amount hardly went down. After getting the car reposed the first time I was able to get it back but decided it was not worth the stress and the money that I was loosing therefor I decided to have it voluntarily reposed. CapitalOne sold the car and still continued to demand more money from me after it was already sold. Towards the last months before getting it reposed the first time I had just lost my job and was going through a separation that turned into a divorce. I believe that CapitalOne has already recovered the amount that the car is valued at and find it suffocating to still have to get calls from them from different numbers and sometimes very early in the morning and letters back to back demanding more money. Im currently a single mother of XXXX and my kids come first before anything. Ive attached to pictures of my statements that are 7 months apart and total amount only went down by {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
First, I have never been late on any payments to this company. I was gravely sick, and missed the 30 day mark by a day or so. After I called them 2 months in a row for them to replace my lost card. Ive tried to rectify this with the company, but they denied me. I would really appreciate if the company could overturn this one time. Im trying to purchase a home and this is negatively affecting me. The k you for your assistance. 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I refinanced my VA Loan. XX/XX/XXXX I received my XXXX XXXX   XXXX rating, with final notification in XXXX. I informed XXXX VA tax office and I received a property tax exemption letter dated XX/XX/XXXX from XXXX Dept of Finance Revenue Division saying that I was exempt from property tax retroactive to XX/XX/XXXX, and any taxes paid would be refunded. The Treasury Dept promptly refunded my 4th quarter taxes ( XXXX, XXXX, XX/XX/XXXX ). I informed Lakeview Loan Servicing LLC on XX/XX/XXXX and uploaded the exemption letter. I followed up with an email on XX/XX/XXXX and received an automated response. On XX/XX/XXXX I emailed again and uploaded the exemption letter again. I received a new escrow analysis from XX/XX/XXXX that actually increased my escrow and did not acknowledge the tax free status. On XX/XX/XXXX, customer service re-initiated my " ticket ''. On XX/XX/XXXX, Lakeview Loan Servicing received my certified letter explaining the deficiency, and outlining the proper escrow analysis for XXXX taxes. On XX/XX/XXXX, Lakeview Loan Servicing produced another identical escrow analysis ignoring the tax exemption. I have had multiple phone calls and sent a notarized return receipt certified complaint on XX/XX/XXXX, received on XX/XX/XXXX. Lakeview Loan Servicing continues to bill for an escrow account that is now three times the maximum allowed by law and over {$4000.00} in surplus because they refuse to adjust the analysis for the KNOWN tax exemption. This equates to over {$1000.00} per month of excessive billing. My escrow account has ~ {$6100.00} now, with annual disbursements of only ~ {$1600.00}. All my payments are made on time. Lakeview Loan Servicing changes their story repeatedly, has told me a new analysis would be done on XX/XX/XXXX, XX/XX/XXXX, then XX/XX/XXXX and never completed the appropriate work. Their final claim was that the city website showed taxes from XXXX so they had to use that and could not use the exemption letter FROM THE TAXING AUTHORITY??

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 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, The reason for my dispute is XXXX BAL {$1600.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX # XXXX DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they have complied with the any of the federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, as Stated before 604,605 FCRA Laws I fail to see where THE FOLLOWING INQUIRES WERE not AUTHORIZE Please delete the following : XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have filed a complaint the the following addresses are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

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 2020-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARS Acquisition, LLC
State: FL

Complaint narrative:
The loan is not mine and Ive already reported to the company of such information in 2019. The account belongs to someone else. My information was wrongfully used. The company Car financial services is still reporting to all three credit bureaus that I have an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
My account was unlinked with XXXX. Was told that my account is being prevented from linking. 

Not cool.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have contacted this company named Wells Fargo since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the XXXX XXXX XXXX XXXX 2. Settlement Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in Wells Fargo would pay for the Fee Damages, and Credit Impact Damages for the XXXX to write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too Wells Fargo or Federal Agencies they would be automatically enrolled into the settlement in section ECF 162-9. AS I READ SA 2.37, 2.42 Wells Fargo has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.

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 2020-04-25 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: NY

Complaint narrative:
Equifax responded they a fraudulent account XXXX XXXX  to belong to me. I will state again, I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2020-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Im trying to link my account to my job online to setup direct deposit and if keeps sending me an error message. I've experienced this several times and I don't want to recieved a paper check. I need this matter handled quickly as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE. 
I HAVE NO WRITTEN CONTRACT WITH MY SIGNATURE STATING I OWE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC Bank will not let its consumers link to finance apps to borrow money. These apps include XXXX, XXXX, XXXX, XXXX, and others. As this is a bad time in the world and these legitimate services are offering small cash advances I should be allowed to participate. Yes, there are risks involved in using third party apps linking to bank accounts, but that should be my risk to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
I closed on a new home with XXXX XXXX  ( XXXX XXXX ) in XX/XX/XXXX. XXXX XXXX   sold it to Flagstar Bank. I then set up my account promptly with Flagstar bank and set up automatic payments of monthly mortgage payments. All these times I had home insurance bought since the first day with XXXX  insurance  agent. The agent sent the proof of insurance to XXXX XXXX  and no issues and all were good. After the mortgage moved to Flagstar I called them and verified the insurance info and I was advised to verify it online, so I verified it online at XXXX. I then received a physical letter saying I don't have insurance in XXXX until late XXXX - 2 letters total. Both times I verified them via XXXX and the second time I called the rep and told about this recurring letters coming to me even though I verified them online and it showed I have successfully verified that I have insurance for the property XXXX XXXX XXXX, XXXX, NC XXXX - Conventional Without PMI XXXX I then even asked my XXXX  Agent XXXX XXXX to fax this info to the Flagstar and his team faxed the info to them. I got another mail now on XX/XX/XXXX that they bought insurance on behalf of me and charged me {$4800.00} and this premium is unwarranted even though I verified my insurance 4 times and called them twice in this regard. It completely shows how they are not in sync or not doing their job of getting the fax info and updating my mortgage, but charging me 8 times more premium and 2 times more of insurance amount. This is very irresponsible and sucking the money from the highly timely customers like me. Now my agent again verifying my insurance with them. I am totally dissatisfied with their handling of this insurance. If they can't even handle this simple task how they will be taking care of my mortgage or any other customers in the US. I am also reporting them to FTC or other agencies regarding this malpractices and fraud.

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 2020-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Will not let me link account with app I frequently use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I need original dates that accounts were reported/opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have contacted this company named XXXX XXXX since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the Case XXXX XXXX XXXX 2. Settlement Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in XXXX XXXX would pay for the Fee Damages, and Credit Impact Damages for the XX/XX/XXXX-XX/XX/XXXXto write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too XXXX XXXX or Federal Agencies they would be automatically enrolled into the settlement in section ECF 162-9. AS I READ SA 2.37, 2.42 XXXX XXXX has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.

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 2020-04-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have contacted this company named XXXX XXXX since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the Case XXXX /Document XXXX 2. XXXX Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in XXXX XXXX would pay for the Fee Damages, and Credit Impact Damages for the XXXX to write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too XXXX XXXX or Federal Agencies they would be automatically enrolled into the settlement in section ECF XXXX. AS I READ XXXX XXXX, XXXX XXXX XXXX has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have contacted this company named XXXX XXXX since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the Case XXXX /Document XXXX 2. Settlement Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in XXXX XXXX would pay for the Fee Damages, and Credit Impact Damages for the XXXX to write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too XXXX XXXX or Federal Agencies they would be automatically enrolled into the settlement in section ECF XXXX. AS I READ XXXX XXXX, XXXX XXXX XXXX has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.

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