vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 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: Chime Financial Inc
State: GA

Complaint narrative:
I received an email on XX/XX/20 saying that my account was placed on hold due to unusual activity and that I needed to verify the source of my direct deposit. I have been waiting months for my direct deposit to be sent to me from unemployment. I sent him identification documents on XX/XX/20 & XX/XX/20 as well as my award letter from unemployment chime responded and told me they still wanted to close my account and that I would not be eligible for a refund. I was sent XXXX from unemployment on XX/XX/20. Im not able to see my chime balance due to my account being suspended but I should have over XXXX left in the account. This company is fully taking advantage of consumers. They even asked me to prove why I was eligible for unemployment in Illinois. I didnt want to send in my 1099 but I did because I need my money. I asked them if they had the right to do this when I already proved I was eligible with unemployment. This has been a nightmare. They also mentioned that I needed a utility Bill dated within 60 days well since the pandemic Im without a place Im living with family in Georgia. My original place of origin is Illinois. At this point the automated emails are frustrating and I just want my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC
State: GA

Complaint narrative:
I received an alert on my FICO app that a collection account was now reporting on my credit on XX/XX/20. The collection account is for Nelson Cruz and Associates in the amount of {$700.00}. According to my credit report, they first reported this account to the credit bureaus on XX/XX/20. I have received no correspondence regarding a debt owed and have no knowledge of this account. I attempted to inquire about the debt through the collectors website requesting to know when any correspondence may have been sent or any attempt to notify me of their attempt to collect a debt occurred. It is now XX/XX/20 and I have received no response. This account should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Purchased a gift item found on XXXX advertised as " Buy 1 get 1 Free '' The ad says,, " 100 % USA owned and operated ''. " 100 % Customer Satisfaction ''. 

Sent payment thru PayPal ... and immediately discovered it went to " " Nothing USA about them ... 

I received ONE of what I ordered,, the second item was not at all the same.. Seller writes back .... 
" This is how we do to every customers with this product, it is a buy 1 get 1 product, so the free one is get to our picks, it will be the same size or it will may not, so it is random, also i believe we didn't mentioned it will be the same size on the product page. Thanks for your time. '' PayPal refuses to help, In fact there's hundreds of sub posting just on one PayPal post on XXXX,, Angry customers cheated via PayPal ... ( They blocked me ) XXXX should not knowingly allow these false ads.. 
I believe the two are complicit in defrauding the American Consumer. 
Had I known,, I never would have purchased ... ... 

Happy New Year ... I'm just frustrated,,, would love to have some resolution that would prevent this sort of thing from happening to others.. I'm sure you're busy with far greater things,, just hoping to just bring this to someone's attention. 
Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
My credit card statement shows that on XXXX XXXX, XXXX I charged {$170.00} XXXX in person ) at the XXXX XXXX XXXX. 
On XX/XX/2020 I called Capital One to report this suspicious charge. They cancelled my credit card and said they would look into the claim. 
On XXXX/XXXX/202 I received a letter saying they had insufficient evidence that this is fraud so they will not take the charge off. 
I called Capital One on XX/XX/2020 asking for more details about this erroneous charge. They said I actually used the card on the XXXX of XXXX in XXXX. 
I live in Utah and was in Utah on the XXXX when this charge was made. 
I asked them for proof that I used my physical card and signed for the charges that were made. They do not have any evidence but are trying to charge me for this fraudulent charge. 
What are my rights if my credit card information was stolen?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
this company called so much and so often i had to change my personal and work phone number as well as had them contact relatives asked to please stop and they have continued also they can not verify the debt owed and show incorrect information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I just applied for a mortgage refinance and was told that my capital one credit is currently reporting us 60 days late!. This is NOT true. We paid off this credit card back in XXXX. I am not sure how it is possible for them to be reporting us owing any money at all let a lone 60+ days late. I am outraged. This has dropped our credit scores over 60 points!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
After having my mortgage modified, This is my new contract 51 years to repay at 3.125 % interest rates. I've tried to refinance without getting assistance due to these terms. How can this be corrected? 


PHH Mortgage Hello XXXX My Loan My Loan Your Loan balance is {$160000.00} 3.125 % Rate | Conventional | 51 Years Term How your recent payments were applied 32 % of your principal and interest payments Year to Date were applied towards principal. Making additional payments to your principal balance will reduce the amount of interest you will pay over the life of the loan. 
68 % Interest Select a period of time. 
Year to Date 32 % Principal Your Loan Started XX/XX/XXXX Your Loan Ends XXXX XXXX Remaining Payments 172 Prepaid Principal {$2200.00} You can own your home faster Learn more Prior Yr Principal Paid {$2000.00} Prior Yr Interest Paid {$4400.00} Some Things To Consider Having trouble paying your mortgage? 
How can I contact PHH Mortgage? 






What is the mailing address for sending an overnight payment? 









When will I receive my year-end statement? 
What are some of the common fees that may be charged or assessed to me during the servicing of my mortgage? 
Looking for alternatives to foreclosure or to help with budgetary issues? 
Payment History Show All Mortgage Escrow Advances Reversals Other Mortgage Payment Applied : XX/XX/XXXX {$950.00} Escrow Advance XX/XX/XXXX {$820.00} Tax Disbursement XX/XX/XXXX - {$820.00} View all Taxes and Insurance Current Escrow Balance As of XX/XX/XXXX Learn More - {$540.00} Escrow Account Payouts Show all Upcoming Year to date XXXX Tax XX/XX/XXXX {$840.00} Tax XX/XX/XXXX {$830.00} Tax XX/XX/XXXX {$830.00} Tax XX/XX/XXXX {$820.00} View details Thinking About Refinancing? 
XXXX is here to help you find the right home loan for your needs. Call us at XXXX to hear your options or get started online today. 

Learn More PHH Mortgage PaymentMy HomeMy LoanMy NeighborhoodGoalsEducationTerms of UsePrivacy Policy XXXX PHH Mortgage All rights reserved Sent from my XXXX, XXXX XXXX smartphone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2020-12-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I need the following removed since the time has come but had a rude representative, I have deliquent accounts of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
This complaint is regarding Flagstar Bank. This is a continuous complaint from last year which I thought was resolved and they assured me that I wouldn't have this problem again. Per Flagstar they zeroed out my taxes and just put XXXX in the would-be taxes area, to prevent further collection in the future. My taxes have been deferred on my mortgage since XXXX. Prior to today It also showed that my taxes were deferred in their system as well. Now for the third year in a row, they have paid my deferred taxes resulting in a negative escrow balance for me. As of right now, my escrow account is $ XXXX. A negative escrow account means my payment will go up over 100 %. My taxes are deferred because I am XXXX XXXX XXXX. Flagstar sent the most recent payment to XXXX County on XX/XX/XXXX, even after they corrected the issue last year. This is the third time in a row!!!!! There needs to be a fine at this point. This is egregious and its obvious they care nothing about the well-being of their customers. Please help me again. Thanks.

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 2020-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TN

Complaint narrative:
To whom it may concern : I am writing to seek justification and clarity to a dated system that is in place to bury borrows in debt for life. The federal government currently system of re payment for student loans is one of the only entities that compounds interest daily and requires the borrower to repay all interest before paying down principal. In addition, the daily interest begins while a student is still in school while an individual is going through matriculation to attempt to improve their quality of life. I feel student loans should be handled similar to automobile and mortgage loans where additional money in surplus of monthly payment be applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
My daughter and I tried to buy a XXXX puppy from XXXX XXXX XXXX, we agreed to a price of {$810.00} including shipping. We each sent {$400.00} via Zelle to XXXX. Upon getting the money, we were sent an email from XXXX asking for an additional {$1500.00}. We immediately asked for a refund of our money and that we were not interested in completing the transaction. We have not gotten our refund yet. 
The transaction occurred on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: FISERV FINXACT CORE
State: WV

Complaint narrative:
A Couple of my Checks Bounced and I didn't have the funds to cover the overdraft fees until the XXXX of XXXX. My Checking Account was Overdrawn since around the XXXX. of XX/XX/2020 until the XXXX. of XX/XX/2020. I Contacted the Branch Manger and informed them of my Finical problem, I was able to make a deposit of {$260.00} around the middle of the Month. 

I made a XXXX on XX/XX/2020 that covered all outstanding Checks and the Overdraft Bank Fees and still keep me in the positive. I tried to go shopping at 2 different stores but each time my check was declined by the checkout machines. 

I attempted to contact my Bank, but they said they have nothing to do with this and can not help me with this.

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 2020-12-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.

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 2020-12-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the Equifax data breach and may have gotten in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX attempting to sue me without notifying me in the proper way didnt not even know they where attempting to take legal action until i received a call from a lawyer stating he had seen a suit had been filed against me and was inquiring if i needed legal assistance i was never served any notices or legal papers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I applied for a mortgage VA refinance on XXXX XX/XX/2020 with Pentagon Federal Credit Union. I've been a customer for 40 years and have done several refinances. With this last refi, I have completed all paperwork and have been waiting for over a month trying to get a status on when my settlement will be ... should have been XXXX at the latest. I have not had any response from my numerous phone messages nor emails I have sent to my Loan Officer, XXXX XXXX, and my loan processor, XXXX XXXX. I have had NO RESPONSE from anyone. I've tried to call several times and get disconnected after a long process just to get to the correct department.

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 2020-12-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
****SEE ATTACHMENT PLEASE***** Dear CRA Manager ; Happy XX/XX/XXXX! Im little shocked on your method of investigation actually I dont even understand your method of investigation. Ive disputed this account several times due to several inconsistencies, errors, incomplete and misleading information on the way its reporting, but for some reason it always comes back as VERIFIED. Its impossible that your agency performed a truthful investigation into this XXXX CC Account because it continues to report those misleading information highlighted below. For example, XXXX  actually removed it due to those violations, but you continue to reported 2 different dates of last active ; last payment, different date last reported, and high balance should be higher than the actual balance, etc. Its impossible that you can say that this is reporting accurate! Look at the report, and even the balance is questionable.

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 2020-12-31 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: GA

Complaint narrative:
I have been disputing inaccurate information on my credit report with TransUnion for months. The TransUnion disputes has come back verified every time. XXXX XXXX I have pointed blatant inaccuracies for Date of Last Active, Date of Last Payment, Late payments after account is charged off. past due on a charge off account. XXXX XXXX I have pointed that XXXX does not own the account. The XXXX XXXX is owned by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX is not registered in the State of Georgia . I also pointed out blatant inaccuracies on the XXXX XXXX Date of Last Active, Date of Last Payment, Late Payments after account is charged off. XXXX XXXX has blatant inaccuracies, Late Payments saying I'm 90 days late and stating that I am {$1400.00} behind on my account. If TransUnion had done their investigation like they are required to according FCRA Section 611, TransUnion would have known my account is current and never late. TransUnion stated that the account was verified. How can that be according FRCA Section 611 the credit reporting agency suppose to do an investigation and that did not happen. That is a violation!!!

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 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: IA

Complaint narrative:
To whom it may concern, We have had a credit card with Discover for several years. During this time it was supposed to be set up for automatic payments for the minimum balance due and we would then pay the balance once every month or two.

Recently we received a derogatory mark on our credit report from Discover. After reaching out to them they indicated our payment was late and there was nothing they could do to help us. I informed them of our autopay situation and they said you are not set up on autopay we can't help you. I informed them we'd changed banks in XXXX and given them the updated banking information but they said they had no record of it so it was our problem. 
Discover never notified me of a failed payment and did not send any notification that my bill was past due. They simply applied their late fee and gave me a derogatory mark, which is my only missed payment in my entire life. 
I attempted to reach out to their executive relations team via email and received a paper letter several weeks later, with no direct contact or reach out. 
Discover needs to rescind this inaccurate late payment mark from it's records and my credit reporting - I am not responsible for the failure of their company or their website. 

Thank you for your time, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation