vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 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: CO

Complaint narrative:
Im submitting this complaint against TRANSUNION due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX defrauding XXXX XXXX and XXXX Veterans during the pandemic. Illegally withdrawing money from my XXXX XXXX  account causing me to lose multiple cards. Asking for 5 copies of my signature, asking for y medical insurance account information. garnishing my XXXX, garnishing my social security, refusing to credit my account. locking my account. Non-compliant for over a year on emails, phone calls, inflating the bill in front of law enforcement by over {$1500.00}. 

THESE PEOPLE NEED TO BE IN JAIL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I called on XXXX XXXX, 2021 informing Chase Bank that there were fraudulent charges on my account. XXXX. There were 7 fraudulent charges totally {$910.00}. Chase bank cancelled my card and said they would reverse the charges. But after a so-called investigation, which they never asked for information from me, they told me that I was responsible for one of these charges for {$100.00}. And told me they would take it out of my checking account on XX/XX/2021. They gave me no information on appealing this decision. My XXXX XXXX credit card had 6 fraudulent charges as well for a total of {$590.00}. All but 2 charges were reversed. And XXXX XXXX said they were not fraudulent ; one charge of XXXX and the second for XXXX. Mind you XXXX XXXX has a 0 liability for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I filed a complaint against JP Morgan Chase. My home was illegally foreclosed when JP Morgan Chase sued my XXXX deceased veteran husband. I never received a XXXX from the sale of my home. I paid more than 80 percent of the loan, and my home was sold many times over never receiving any money from the illegal sale and foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
XXXXapplied for a personal and received a call from a loan specialist. He stated he needed more information to ensure the loan will be approved. He then called back stating he was still working on my loan and that he wanted to perform a cash credit booster to y score and I asked him to explain the process too me. He stated he would be making a one time deposit into my account and I would need to forward that money to him before they would provide me with the funds that I was approved for. I was reluctant and said ok go ahead and make the deposit. Then I received an email from XXXX  XXXX support stating they had received my dispute and that all was under investigation. The loan officer continued to call Even after I blocked him and all the additional numbers he was calling from. I then noticed I couldn't access my account due to password being changed. He had reversed a {$330.00} water bill payment and a {$180.00} XXXX payment and 7 return check fees totaling {$760.00} which in turn interefered with me making it to see my landlord on time and now I am evicted and told to vacate premises by XX/XX/21 due to owing landlord {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have used American Express Serve as my online banking for several years. On Wednesday XX/XX/XXXX I tried to log into my account and my password wasn't working. I then was prompted to call Customer Service to have my account unlocked. I called Customer Service and was told that my account was closed and I no longer had access to the account. I was told that the reason was noncompliance of member agreement?!?! I have over {$5700.00} in my reserve Savings account. The checking account is my primary banking account for all my government issued direct deposits and unemployment benefits. I had recently transferred money that were stored in other Savings accounts like XXXX, XXXX XXXX, XXXX, and XXXX XXXXXXXX. The customer service representatives have been very rude and given very little information about what is going on with my account/money. That is all the money to my name that they are keeping from me with no explanation of what I did wrong. I have done nothing illegal or even suspicious to cause them to take such actions against me. Please help ... .Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Found debt on my credit report ... .realized that account wasn't mind and i needs reporting company to provide physical contract/validation. This debt is causing harm to my life as it pertains to my finances. I need to be provided validation of debt within 30 days ... .or debt needs to be removed. 

XXXX : Portfolio Recovery A Opened XX/XX/2020 {$520.00} Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Portfolio Rc Opened XX/XX/2020 {$520.00} Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX A

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
I contacted Loan Depot in XXXX XXXX, CA about a refinance on XX/XX/2021. They collected all of my information and stopped returning my calls or responding to inquiries. I made attempts to call and email them on several occasions, including XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. They are not responding. However, I received a call from my insurance company that they changed themselves to be the mortgagee on my policy. I don't have a mortgage with them. We never closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I made XXXX consolidation loan # XXXX with Pentagon Federal Credit union and I was looking why my account after almost 3 years or 28 payments exactly is still XXXX from a loan of XXXX and I called them and Supervisor Lan employee number # XXXX on Saturday XX/XX/XXXX at XXXX XXXX told me that she thought my loan had a maturity date on XX/XX/XXXX and I told her that after 28 payments with only 3 of them sent the principal and all of the other 24 payments are being going to interest only and no part to the principal she told me that I had signed if I ever made a payment on late they will be charging me interest of the loan until it was covered fully and its a XXXX a month which on my calculations will be never paid. This is a predatory lending as I have verified.

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 2021-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: UT

Complaint narrative:
Spring oaks capital sent a notification to the credit bureau that the debt was disputed by consumer and verified. It's a valid debt. However they reported this without verifying the debt with me. Ive never heard of them before and have no reason to believe I owe them any money. 

They didn't send me anything to show they have a right to collect on this debt including transfer of ownership nor proof that they can collect in Utah as I requested. 

Also they were supposed to send me a letter outlining their process if a debt is verified. How payments are handled and then whether reporting continues, etc. They called me 3 separate times complaining I hadn't responded however I never received anything from them at all. The third call I gave a different email in case that was the issue. I had checked my spam but nothing from them at all. When I gave other email I was told their supervisor probably wouldn't want to put any more effort into trying to " help me '' but they'd see. 

Next thing they report the information that it was disputed etc as mentioned above. However never followed through number one with the information requested about their company 's practices as promised. But also never even verified the debt in the first place. They continue to call me several times a week and still are reporting to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check for XXXX in my checking account at Suntrust Bank in 2018. A few days later money started to disappear from my account. The bank issued me a new card a few times [ at one time money was taken and I had not even activated the new card } Close to {$10000.00} was taken by fraud from my account. They were XXXX purchases which I told the bank I never used and no one had access to my card, I told the bank that the check was a settlement from my husbands death. : I was never notified when these purchases were made. The dates areXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX/ On many dates there were multiple purchases. Every claim I filed was denied. Many times I had to call to reclaim as Sun Trust never sent the paperwork for me to sign for a claim. The amounts are as low as {$2.00} and as high as {$800.00}. The purchases were made from the XXXX coast and I am on the XXXX coast.

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 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
All 3 of my federal stimulus payments went via direct deposit into an account at td bank. This account is not mind and TD bank is doing nothing to rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL

Complaint narrative:
I was contacted by XXXX XXXX XXXX about a debt that was previously deleted from my credit report, I stated to them that I gave the Department of Veterans Affairs, my permission, to speak with them. They gave the VA representative a hard time. The VA then sent me letters that coincide with the dates of service and the letters also state that I, the Veteran, is not responsible for the medical bills. The collection agency is also charging 2 identical amounts for services on the same days, in the amount of {$1400.00} and an amount of XXXX. I emailed the collection agency a copy of all letters that the VA directed me to give to the collection agency and they did receive them. I do not owe those amounts. The collection agency then put a negative statement on my report that, I still owe this amount, even though, they have no information on me. Please help get this deleted feom all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NV

Complaint narrative:
I applied for a refinance of my mortgage home loan on XXXX XXXX. I provided all loan Documents needed for the approval process. AmeriSave has a portal on their website to track the progress of my loan approval. AmeriSave showed my loan was approved on XX/XX/XXXX, and final closing disclosures were signed by me and submitted to the mortgage company. I signed the loan documents on XX/XX/XXXX with the Notary, who sent the signed documents to AmeriSave and was received by AmeriSave via ( XXXX on XX/XX/XXXX ). The loan was scheduled to fund on XX/XX/XXXX. As of this date, my loan has not funded. I was told by the escrow company, that AmeriSave has not sent the signed documents to them, so they can fund. I am not able to get a response from my Loan agent at AmeriSave, or the loan processor. Today is XX/XX/XXXX and I have no knowledge of the funding date of my loan. I am afraid my signed loan documents have been misplaced by AmeriSave or have been lost. 

Upon request, I can provide you with multiple emails and requests I sent to the employees who were handling my loan. I am experiencing Lack of communication and poor customer service and no follow up with the client, at both the mortgage company and the escrow company. 

I respectfully ask that you assist me in resolving this issue. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have XXXX mortgage accounts with Bank of America. They are not applying my " principal only '' payments to the principal balance. All of my " principal only '' payments are being made after my regular mortgage payment and prior to the next month payment, as I was told to do by a Bank of America representative. XXXX, XXXX and XX/XX/2020 I made over 20 " principal only '' payments and none were applied to the principal balance. I spent over 9 hours during multiple phone calls with representative, supervisors and the managers of supervisors attempting to get this situation resolved. No one could tell me the process to get my " principal only '' payments accurately posted to the principal balance. They said what I was doing should have worked. They attempted to blame it on a new software program and did not offer me an appropriate solution. I have to work extremely hard to get extra money to make " principal only '' and it is extremely frustrating when my money is applied to future payments ( principal and interest ). My loan can be paid off early without penalty but Bank of America Home Mortgage has made it difficult to do this. I need to know the process to make sure my " principal only '' payments are applied appropriately.

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: TN

Complaint narrative:
I have a Way2Go MasterCard from TN UI, I have a {$9500.00} balance that they will not allow me access since XX/XX/XXXX. 
Card issued in TN, I have traveled to Nevada for dads funeral, they say I had to report my travel with TN UI,, even though the card policy info does not state that, I did. They have admittedly stated they made mistakes by XXXX on XX/XX/XXXX not entering correct info fir whitelisting me causing another 24 hour delay. Theyve had me try online, cash app, bank teller, atm etc.. nothing works. 
I am desperate for help and dont know where to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX Sunday morning and I need to get my car payment receipt also all the monthly statement are missing. The XXXX XXXX XXXX original loan is being sent to the finance manager to get a new one. But the payment is being sent to the address on the wrong contacted the bank has been receiving the payment and XXXX customer service is being sent to the different codes for the capital one Auto finance. They have 2 different codes for the same company. I don't know what number is being held at the moment. XXXX XXXX XXXX XXXX. The payment is being sent to the wrong code then who's car I've been paying all this time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
I applied for COVID forbearance in XX/XX/XXXX, and although their website says a response will be given in 3 days, it took weeks to get a response. On XX/XX/XXXX I received notification that I was approved for COVID forbearance. Because of this approved forbearance plan, no payments were made in XXXX and XXXX. However, I received a notice that I am late for payments ( which was incorrect since I was on a forbearance plan ). I emailed many times, and only ever received a response when I said I will report them to HUD XX/XX/XXXX due to receiving notices that I am past due which was incorrect. I was on an approved COVID forbearance plan that, according to their email, was valid though XXXX of XXXX. 

I sold the property XX/XX/XXXX, and they were fully paid out. I logged into my credit report online today, XX/XX/XXXX, and see that they reported me for having a delinquent account. This is unacceptable and fraudulent. This lowered by credit score by 93 points. 

No one ever answers their phone line, ever. They only answer emails when you say you will be reporting them. They have never once corrected any of their mistakes. Their mistakes ( perhaps intentional ) have caused stress and now have impacted my credit. Completely unacceptable. Having a phone line where no one answers and email responses that just say to call seems like a scam setup. This must be immediately resolved. 

If you go to their XXXX page, you can see hundreds of people complaining of similar issues.

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 2021-03-15 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: Nelnet, Inc.
State: NY

Complaint narrative:
I am filling a CFPB complaint about the reporting of NELNET LOAN SERVICES INC for account number XXXX and XXXX. This account was reported as 90 days late in XX/XX/2020. This is incorrect because this is deferred and during covid, this account is reporting negative. This account was previously and is currently in deferment. I previously requested an investigation to NELNET LOAN SERVICES and review deferment paperwork as this should not be reporting 90 late. Especially during pandemic and state of emergency. We've had these conversations before and again this issue is overlooked. I never received any communication from NELNET LOAN SERVICES INC that this account was reported as late reason I shocked to see this as 90 days late. This late payment that they are reporting is affecting my credit score. NELNET LOAN SERVICES INC is not responding to my request to investigate I need this inaccurate reporting removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Continuously harassed via telephone for old debts that were fraudulently opened as a result of identity theft.

Company response to consumer: Closed with non-monetary relief