vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have recently over paid an outstanding balance on my PNC credit card account and now have a {$1000.00} credit balance. I have contacted them on more than one occasion requesting that they send me a check for the credit balance and they have been giving me the run around for the last 20 days. I initiated the request on XX/XX/2018 and was told that I would receive the check within 7 - 10 business days. When I called back to inquire, I get apologies and no commitment or promise to send me my credit balance. I have called on more than 3 occasions, can I get help with the issue? This is unacceptable, I have outstanding credit and want my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
On XX/XX/XXXX Roundpoint Mortgage issued a check out of my escrow account in the amount of {$1600.00}. My XXXX County Property taxes were {$1400.00}. This removal of funds from my escrow account lead to my escrow account being short for my tax payment. I was sent a letter by Roundpoint to pay over {$300.00} to get my escrow account back to where it needed to be. Then on XX/XX/XXXX Roundpoint supposedly issued a check for {$66.00} when a month prior had requested me pay {$300.00}. I did not receive this check. So the funds should be counted in my escrow account. 

On XXXX XXXX both I and Roundpoint mortgage received my annual notice of asessment from XXXX County Board PF Tax Assessors assessing my taxes at {$1500.00}. I filed a complaint with the CFPB in XX/XX/XXXX for Roundpoint and National General ( who services Roundpoint Mortgages escrow accounts ) for non-payment of my annual homeowners insurance. On XX/XX/XXXX Roundpoint removed {$330.00} from my escrow account. My current escrow balance is {$780.00} which will not cover my {$1500.00} tax bill in XXXX. 


Since purchasing my loan from XXXX XXXX, Roundpoint has mismanaged my escrow account. That have caused undo hassle, stress, and inconvenience by Constantly removing funds from my escrow account and then requesting that I pay a shortage. I feel as if this is fraudulent activity to lure me into having to pay fees for not maintaining an adequate escrow balance.

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 2018-06-19 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: CA

Complaint narrative:
Allow me this opportunity to thank you, the Consumer Finance Protection Bureau ( CFPB ) for protecting our consumer rights against these dirty, unethical and almost illegal credit reporting agencies, debt collectors, lenders and creditors. You are contributing nicely to protect us the consumers from the above-mentioned nasty and harassing entities. I was very upset and incensed when I learned that the Trump team reduced funding for the CFPB. I suppose Trump and his team should sit down and re-consider what they have done and reverse their bad decision. 

I am writing to you regarding a list of inquiries that has no business being on my credit profiles. I wrote to XXXX and Transunion and mailed the letters out by certified mail with return receipt requesting a copy of my application-for-credit with my signature on it. No results so far from Transunion or XXXX. They could not even care enough to send me a response. This is a gross violation of the Fair Credit Reporting Act. These corrupt credit reporting agencies are in bed with the greedy creditors and lenders ; they feed of each other. 

Please order Transunion and XXXX to delete the inquiries as they are interfering with my ability to obtain credit and move on with my life. 

Thank you very much CFPB.

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 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
2 Hard Inquiries by Cbna and we have not applied for cards. We suspect fraud 1. XX/XX/2018 : XXXX XXXX XXXX XXXX. 

2. XX/XX/2018 : XXXX XXXX XXXX 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 2018-06-19 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There were 4 fraudulent charges made at XXXX XXXX XXXX # XXXX XXXX, Tx 2 charges on XX/XX/18. {$130.00} each Another 2 charges at the same location on XX/XX/18. 1 for {$130.00} and another for {$24.00} totalling to {$420.00} Chase Bank originally reimbursed the money back into my account, but after a few weeks they reversed the credit and took the money back stating that they didnt believe the transactions to be fraudulent. I was then told in order to reopen the investigation i would need to file a police report, once i did that they told me to take it up with the police department and that it was out of there hands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19 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: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
In XX/XX/2015 I became unemployed and was receiving unemployment benefits. I had requested assistance from this lender in regards to assisting me with getting caught up on my payments but I continuously was behind a week, two weeks, and even into 30-60 days. The lender refused to offer any type of deferment/forbearance to assist me even though I repeatedly called and requested something to help me get caught back up. 
On a call a couple of months ago with the lender regarding a previous CFPB complaint I made regarding this matter, the agent stated that they do not have to offer assistance to their borrowers across the board and that these types of programs are only offered as the company allows and they are limited and not available all the time. I believe that this company is violating fair lending laws and is discriminating by not treating all borrowers the same across the board.

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 2018-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
I had been receiving numerous unsolicited phone calls from XXXX so on or around XX/XX/XXXX I finally returned the call to find out why they were calling me. I discovered that it was Loan Depot and their agent XXXX XXXX wanting to " assist '' me in refinancing my 6.5 % home loan with the VA. I explained that yes I was a " vet '' with a XXXX as well as an XXXX XXXX as a XXXX XXXX BUT my era was post-XXXX XXXX and that after XXXX fell there was a surplus of XXXX XXXX  's so a status of " XXXX XXXX '' was where we could opt if we ranked highly in our graduating class, which I did. XXXX assumed that I would certainly qualify for a VA loan even though I told him " Okay but I have my doubts '' Then before even see where my XXXX information left me with the VA, they sent me all the necessary documents, which I did sign and submit. They then deducted {$420.00} from my bank account for the " appraisal '' without telling me. Within the week, they then discovered that as I had suggested, I was turned down by the VA as I did not have enough XXXX XXXX to qualify for that benefit. Therefore, THEY immediately canceled the appraisal. The appraiser,  told me that when he returned to his office and was working on it, he received the e-mail to cancel it. 

Now, Loan Depot is refusing to refund my {$420.00} fee even though they jumped the gun by  charging me BEFORE verifying my eligibility for such a loan even though I told their agent XXXX I had my doubts. XXXX 's loan processor, XXXX XXXX, e-mailed me and told me that she had been told by her manager that all I had to do was call the VA to clarify the situation, which I did on XX/XX/XXXX with my case # of XXXX and spoke with a XXXX about it. XXXX confirmed that I did not qualify due to my lack of XXXX XXXX time. I informed XXXX XXXX about that phone call on XX/XX/30 at XXXX XXXX EDT. 

It was shortly thereafter that I learned, after an exchange of e-mails and phone calls, that Loan Depot had indeed canceled the appraisal because they now confirmed that I did not qualify for a VA loan. 

Now, they refuse to refund my {$420.00} even though the appraisal was never completed of submitted. I spoke with a XXXX XXXX who said the he would check into whether or not they had been charged by the appraiser and perhaps refund my {$420.00}. 

" Perhaps '' is not good enough for me. I am on a fixed income and their taking that {$420.00} without notice and without first confirming my eligibility for a VA refinance loan puts this totally on their shoulders. 

I am requesting that you intercede on my behalf and XXXX XXXX XXXX so that this does not happen to other senior citizens and veterans such as myself and force them to refund my {$420.00} fee. This is totally on Loan Depot 's mismanagement as well as their agents, not on me, XXXX XXXX. 

Thank you in advance!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I applied for a patent plus loan for the spring term of XX/XX/2016 for my son. We thought it was all taken care, therefore he enrolled. I never received a denial email or letter from navient. They said they sent my son an email. He has XXXX. I take care of things for him for that reason. Neither of us received any other notifications. Since he had already enrolled by the time we were notified, it was too late to drop classes and the college has charged us for the entire semester! {$6000.00} which we don't have. Thanks for checking

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase College checking account was blocked and closed by the bank on XX/XX/2018. I was sent a final statement for my bank account and it said that there was a XXXX debit for a check charge, however, I never received the remittance check for this account. 

I contacted the bank regarding my funds and I was told by a customer representative that the funds would not be sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express put a hold on my Gold Delta Skymiles account with a credit line of a whopping {$1000.00}, without any notification. The reason given was that I had used the card with XXXX, which is prohibited. 

I put that in quotes because I had never HEARD of such a policy. I have multiple other cards that Ive enjoyed using with XXXX for my entire life, but apparently Amex does not allow this. News to me. 

So I call to see whats going on, and was given that answer, to which I was flabbergasted. They then went on to demand a conference call with my checking account bank ( XXXX ), to inquire as to the balances of my acccount at the start and end of the last 3 statements. 

As you might know, my balance at the time of the start or end of a statement has ABSOLUTELY NO bearing on my general financial health or responsibilities. Its a completely arbitrary time choice. 

Nevertheless, they humiliated me through this process, having my balances read to them over the phone. 

They then submitted my card to further review to see if the limit needed to be adjusted. When I inquired how I was to know when a decision has been made, they said I could just call back. Not even the courtesy of letting their customers know the outcome. 

I have paid my Amex bill on time and in full at every billing period, and they should have no right to inspect my checking account because of a completely honest mistake of using the card with XXXX. ( Who knows this!?! ) In particular - the woman who handled this miserable process - her name was XXXX. That was all the info she would give me. I wished to report her personally as she was the rudest, most unhelpful employee of a business that essentially is there to serve ME ( and the rest of their customers ). She humiliated me and talked to me like a child.

It was either submit myself to this awful process or have my card closed, which would cause damage to my credit score. Thats extortion. 

Shame on you American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
A negative charged off account is on my report, i do not recall borrowing from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been disputing charges from a company called XXXX the own several companies that were part of an elaborate scheme to bilk millions of dollars from consumers in the United states. I disputed a charge made on XX/XX/2018 of {$5100.00} with the company " we sell good traffic '' they are owned by a company called XXXX ( XXXX XXXX XXXX XXXX ) I purchased affilliation with XXXX XXXX which is an online marketing company of digital products over the internet. This XXXX company has turned out to be a huge scam. I was sold a list of buyers that were supposed to generate sales for the business, however this $ XXXX charge was just another way this XXXX   company fraudulently charged me. The reason why is that this was an empty service that i got nothing in return for. It was just another way to get money from me after the XXXX comany had charged up over {$80000.00} on my credit cards. The comany never responed to my emails that this " we sell good traffic '' company which is part of XXXX did not provide what I paid for which was supposed to be 21 buyers and ongoing coaching from the company. It was just an empty scam and I disputed this charge and many others as fraadulent. capital one is the credit card company that looked into the dispute I filed with the " we sell good traffic '' they originally removed the charge from my statement but then the comany challenged it and then capital one put the charge back on. Now I want to tell you something very very important. 2 weeks ago I received an email from the The U.S. Federal trade commision telling me that the FTC has shut down this XXXX company and 8 other businesses they own and froze the assets of the principles in the company ... here is the official link for the FTC action against these criminal companies. https : //www.ftc.gov/XXXX An attorney at the FTC provided me this information but the charges against this XXXX cmpany and " we sell good traffic '' came out after capital one denied my dispute for the removal of the {$5100.00} The FTC has been investigating this XXXX company for more than 2 years. I spoke with an attorney at the FTC and he told me that I should make this new information known to the capital one dispute team. I did tell Capital one about the fact that the FTC has shut down this " we sell good traffic '' company. I should not be charged for this {$5100.00} because it was just part of a huge fraud that I got caught up in. I hope justice will be done and that capital one will remove the charge and clear it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
{$1400.00}. XXXX XXXX. I have sent XXXX XXXX a debt validation they have not responded to my letter and also reported to my credit report. Once again this item does not belong 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 explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX XXXX asking them to validate the debt of {$1600.00} on account # XXXX they say I owe. They responded back on XX/XX/XXXX with a itemized printout of procedures I had done in a hospital saying their client Pendrick Capital Partners LLC purchased my account and I owed them {$1600.00}. I sent them another letter on XX/XX/XXXX asking them once again to validate the debt and provide me with the procedure including names, addresses and phone numbers of the people they utilized to validate the debt. I did not receive a response back. I checked my credit report on XX/XX/XXXX and the failed to provide the credit bureau XXXX with the required disclosure stating the account was being disputed. I sent XXXX XXXX XXXX XXXX another certified letter on XX/XX/XXXX stating they had violated Fair Debt Collection Practices Act ( FDCP ) and/or the Fair Credit Reporting Act by failing to provide the disclosure to the credit bureau 's within the 30 day period. The company did not respond again but it seems they were able to update my account on the XXXX credit report months past due. As a result I would like this removed from my credit report. I have attached all of the proof of these communications below

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX my identification was compromised in a breach by a professional service provider business and I believe that my identification was used to obtain services in the years that have followed. After accessing my credit report on XX/XX/XXXX I found an entry reporting as an open account that was unknown to me in the amount of {$1400.00}. I disputed this with the bureaus and as a violation of the FCRA and FDCPA and I requested in writing full validation under the Violation of the Fair Reporting Act from XXXX XXXX XXXX  with the account number XXXX who were reporting for their client XXXX XXXX XXXX. See attached XXXX XXXX report number : XXXX dated XX/XX/XXXX. On XX/XX/XXXX I had a telephone conversation with an agent of the collection agent who is reporting the account # XXXX to XXXX XXXX. I was advised that the unknown account was validated and I request to know who validated this account as mine. I was also advised by the agent that the total reported as past due on this account was {$1400.00} and opened XX/XX/XXXX. I am appalled that my statements and requests have fell upon dead ears therefore, I challenge the accuracy, compliance and reputability of this listing. I require that XXXX XXXX XXXX validate this information they are reporting against me and provide me with copies of documentation associated with this account, bearing my signature and my image. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Filed complaint with company regarding 5 year old apartment debt. Asked for validation of debt ( original documents with my signature ) and still have not received anything. With that being said, I want this negative reporting deleted immediately from all 3 credit bureaus. This company is violating the FCRA by reporting negative information without properly validating the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
My mom got an apartment in her name and the company REQUIRED my sister and I to sign because we were XXXX. My sister and I went to college and when we came home my mom had moved out without finishing paying. Eviction was placed on our credit. My mom filed bankruptcy in 2012.  This is still on my credit and it does not belong to me. As of today, I have filed disputes without any success AND my mom had to end up making payments on this after she already filed bankruptcy. It has been 7 years and I have not been able to get my own place.

Company response to consumer: Closed with explanation