vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I requested an credit increase and was denied. Pursuant to 15 USC 1681a I have an open ended credit plan, open ended means that there is NO limit, considering this fact in law there is no way that I can be denied credit because there is NO limit to the credit that I, the consumer, can extended through my open ended credit plan using my credit card which is my social security card. This makes ANY inquiry an ADVERSE, HOSTILE and OPPOSED action under federal law as stated by CONGRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: NV

Complaint narrative:
Capital One Bank automatic system keeps going over the same automated thing when i want pay my bill. For several days this ben going on. I do not want to give my banking information to no human. 
I call several times a day and it's the same old thing. 
They try tell me something about the phone number. I have several phone numbers that are land lines in my home other than a cell phone number. 
XXXX excuse after another all i want to do is pay my balance off for my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Synovus Bank
State: PA

Complaint narrative:
First Progress has closed my account without my permission they have kept my security deposit and refused to refund it to me they have not fully investigated claims they have treated me in a discriminatory manner they have not fully disclosed the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2021 To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 USC 1602i means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor Pursuant to Title 15 USC 1602g. I demand Pursuant to 15 USC 1681a ( 2 ) ( B ) that the following transaction be removed from my credit report immediately as you are violating my rights as a federally protected consumer under Title 15 Chapter 41. 



1. XXXX XXXX XXXX Account Number : XXXX 2. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 4. XXXX  - XXXX XXXX  Account Number : XXXX Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Hi there! I opened a Citi XXXX checking and a saving account with Citibank on XX/XX/XXXX to take advantage of an offer where if you deposited {$50000.00} you received a {$700.00} bonus. The process to open the account and fund the account was extremely difficult and the customer services was less than ideal. I also had to go through an extra process to validate my home address which was complicated by the fact I was moving. 

The process to validate my account took Citibank such a long time that by the time I funded my account with {$60000.00} on XX/XX/XXXX, I was deemed ineligible for the {$700.00} bonus. 

Because of the unhelpful customer service and ineligibility for the cash bonus, I wanted to withdraw my {$60000.00} from Citibank and close my accounts. I was told that I could only withdraw {$15000.00} per month to an external account. Given that would take 4 months to withdraw all my funds, I was told the only way to get my money back was via wire transfer. On XX/XX/XXXX, I made a request for a {$50000.00} wire transfer to my main checking account with another institution ( the maximum allowed ) and then a regular external transfer of {$10000.00} for the remaining balance. 

Two hours later, I got a call from Citibank stating that my actions were fraudulent. The representative accused me of not being the account holder, and hung up on me. My account is now locked and now I do not have access to the {$60000.00} in my Citi XXXX checking and savings accounts. I tried calling Citibank back on XX/XX/XXXX and after over an hour on hold on the phone, they were unable to assist me in transferring my money back 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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenox Financial Mortgage Corporation
State: CA

Complaint narrative:
Below is a copy of the email I sent to XXXX at Lenox financial concerning he issue. After no response, I sent a follow up email on XX/XX/XXXX, to XXXX XXXX, Senior Sales Manager who replied that forwarded the email to XXXX  and their legal department. Still no response. 

XXXX XXXX XXXX Attachments Mon, XX/XX/XXXX, XXXX XXXX  ( 8 days ago ) to XXXX  Dear XXXX XXXX XXXX XXXX instructed me to contact you concerning my bad and costly experience with Lenox. He did not have the ability to resolve the issue. 

I began a straight forward XXXX  XXXX refi process with Lenox on XX/XX/XXXX. It was advertised on the radio as closing in two weeks. XXXX notified me that due to the volume of refi applications and lack of staff, I should expect to close in 30-60 days. Please review this message string to see all of my communications with your team. On XX/XX/XXXX, 5 months into a two week process, I cancelled my application due to Lenox 's failure to perform. 

During those five months, your team : Pulled our credit reports three times, dropping our scores nine points Requested payoff statements three times from XXXX XXXX. Each of the three statements, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, had language explaining that the escrow impound account would be frozen. My property taxes due XX/XX/XXXX and past due on XX/XX/XXXX were not paid. My property sits on two parcels, both incurred a penalty of 10 %, for a total of {$420.00}. I expect you to promptly reimburse me for the tax penalties. 

I went with XXXX, and the refi process was completed and recorded in 18 days. We lost 4 days, due to my delinquent tax situation your team caused. 

If your team kept their commitment to close in two weeks, or even 30-60 days, I would have saved about {$150.00} per month in lower payments. 

At this time, I am requesting you reimburse me for the tax penalties and we'll consider the matter closed. 

The cost of extra interest I paid and the damage to my reputation and credit score will be chalked up to the privilege of doing business with your company. 

I have attached supporting documentation for your review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Lakeview Loan Servicing has robo called me multiple times, sometimes at night and on the weekends. I have tried numerous times to contact them, but have yet to be successful. Lakeview Loan Servicing is also showing a payment has not been made even though it was processed weeks ago. Again, tried to contact them, but have been unable to speak with anyone.

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 2021-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
XX/XX/XXXX Called Lending Club to set up a hardship plan. Loan payment, which was automatic ( ACH ) at the time, was due on the XXXX but they had already requested the money from my bank. Operator set up a payment plan for me -- reduced payment for XXXX, XXXX, and XXXX -- and said that since the payment was already taken out that I should do a stop payment with my bank, which I did. I made the reduced payment for XXXX. 
XX/XX/XXXX Got call from Lending Club saying that I owed the entire XXXX payment. Operator got me to agree to pay the full amount. 
XX/XX/XXXX I called Lending club to say that I couldn't pay the full amount and that original agreement should be honored. Operator reinstated agreement for reduced payment for XXXX, XXXX, & XXXX. 
XX/XX/XXXX Lending Club called me and said that I owed the past due for XXXX and failure to do so negated the payment plan for XXXX & XXXX. I explained that we had an agreement, which the operator reviewed with a manager who said that the agreement was invalid unless I paid full amount for XXXX. 
XX/XX/XXXX Called Lending club and explained to operator that I had an agreement, they aren't honoring it, and that they should be able to reinstate the original agreement. She said that it's already been reviewed by a manager and that there is nothing they will do about it. She told me to go to XXXX and look for work, which is when I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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: Schukei Chevrolet Volkswagen
State: PA

Complaint narrative:
I had a collection debt put on my credit file with XXXX XXXX, XXXX, XXXX  with a debt I do not recognize, nor owe, The creditor XXXX XXXX XXXX a 3rd party, the original creditor XXXX XXXX  over billed a closed account, XXXX XXXX XXXX  is a 3rd party collection service, that never sent me anything. only called and harassed me with 5 calls daily, left no messages, I called their number repetitively, I told them to send it back to original creditor ... they instead listed on my credit file in violation of Fair Credit Reporting act,, violating my rights, having never allowed my right to respond or dilute.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, XXXX and Bank of America XXXX have inquiries that were not authorized reporting to my credit reports

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 2021-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA

Complaint narrative:
We are the seller. Purchasing agreement was signed by the buyer on XXXX. XXXX XXXX ( XXXX, NMLS License # CA-CA-DOC XXXX ) with the GEM mortgage ( XXXX, NMLS ID # XXXX ) started working on this loan on XXXX. As of today on XXXX, the FHA loan is still not approved. The lender was still working on the verification of employment ( VOE ) on XXXX. No timely communications from XXXX to seller 's realtor and broker even till this date ( XXXX ). 

Compliance officer XXXX with the GEM mortgage was contacted on XXXX regarding my concern that XXXX was not processing the loan properly. I spoke to XXXX on XXXX regarding this subject matter. Received an update today XXXX but I disagree with the finding that XXXX said that he did communicate with seller 's realtor. The issue is not about communicating or not. The issue is that there was insufficient and untimeliness in updating the status of the loan. To blame the 108-day escrow non-closure on COVID-19, FHA loan processing time, seller 's realtor 's personal issues, buyer 's issues, ... etc does not satisfy any reasonable buyer/seller 's expectation of a " normal '' real estate transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I don`t have knowledge of this account and have sent letters requesting validation to the, to no avail! I am requesting that you immediately delete information off of my credit report that isnt mine. I have no contracts with these companies and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I don`t have knowledge of this account and have sent letters requesting validation to the, to no avail! I am requesting that you immediately delete information off of my credit report that isnt mine. I have no contracts with these companies and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have an account on my credit that has a different social security number on it it is not my sos.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Professional Recovery Management
State: TN

Complaint narrative:
I have an account on my credit that has a different social security number on it it is not my sos.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-01-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Penn Credit Corporation
State: NC

Complaint narrative:
I have never missed a payment or a bill with any company and i noticed in XXXX of 2019 that i had a collection on my credit report from a company that i had used for water. I never received a bill from them when my service ended or i would've paid it immediately so it never should have been on my credit report to begin with but when it came to my attention i immediately called them and paid it. The lady on the phone assured me that by paying it it would be removed from my credit report. It never has been and every time I call them to ask why they tell me that it shouldn't be there and even the people at XXXX tell me that since they've been paid that it should no longer be on my credit report. I have tried repeatedly to get this removed by talking to the company and by sending disputes to the credit bureaus themselves but had no success. Please help me as this is keeping me from getting the best rates on a home loan currently. Thanks for your help. Anything you can do would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TN

Complaint narrative:
Dear XXXX, Ive been a holder of a XXXX credit card for many years and had never missed a payment or had an issue on the account. I elected at some point to go paperless with statements at the encouragement of XXXX. 
As you can see by my activity on my account, my credit card balance is paid off monthly. At the end of XXXX of XXXX, I carried a {$0.00} balance on my card. At some point, I stop receiving electronic statements from XXXX, I assumed it was because I had a XXXX balance. In XXXX of XXXX, XXXX XXXX charge me a membership fee of {$450.00}. I was not aware of this charge and I didnt authorize this charge. Because I wasnt receiving any electronic statements, I was not aware of any balance due on the account. As you can see on my account, I never used the card for any other charges the following several months. Since I was not aware of the balance and then the subsequent late fees, XXXX reported these to the credit agencies as delinquent. It wasnt until XX/XX/XXXX that I received a call from XXXX stating I had an overdue balance on the account, which I then promptly made a payment on {$100.00} until I could investigate. After the payment was made, XXXX closed my account, and I couldnt access it on-line. 

I didnt notice any of the above until I was applying for a loan and the lender stated that my credit score was XXXX. A few months earlier, I knew my credit score was actually at the highest level of XXXX. I knew an error must have been made for it to drop 100 points. That is when I discovered the issue with the XXXX account. I called XXXX immediately and explained the above information and they stated they would get it corrected with the credit reporting agencies, but then I get the attached letter stating that the records are correct. 

This is unacceptable treatment from a financial institution like XXXX to a long-standing client with exceptional credit history his entire life. XXXX failed to contact me either via mail, electronically or by telephone before reporting a delinquency and allowing an unauthorized charge to my account. I demand that this be corrected with the credit reporting agencies immediately. XXXX error has already damaged my ability to secure the lowest interest rate loan available. If not corrected, I will take legal action and sue for damages. Most importantly it is the right thing for XXXX to due for a previously loyal client. If XXXX was not in the wrong, then why did they eventually reverse the charge that caused the issue?

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