vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
For my Capital One Venture card, I received a bill that was dated XX/XX/2020 stating that I was being billed XXXX for the upcoming years membership fee. The first year fee had been waived when I got the card as an introductory offer. I was going to cancel the card, rather than pay the XXXX to have the card another year. I called customer service on XX/XX/XXXX and instead they offered to change the card to one with  no annual fee, but lower points earned per dollar. I agreed and switched cards, but now they have charged me the XXXX annual fee for the membership level I no longer have or wish to have, as well as a late fee. I have spoken to 3 levels of supervisors at customer service on XX/XX/2020 and have been told I can appeal this no higher and must pay. They state I must pay because it was billed to me, even though I made no charges in the 10 days between being billed and the cancellation date. I stated that I am being billed and expected to pay for a service I am not going to receive and stated I do not want to receive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: PA

Complaint narrative:
On XX/XX/2020, my wife and I locked in an interest rate with Provident Funding to refinance our current mortgage. We were given a good rate and were asked to sign a bunch of disclosure documents. While going through all of the disclosure documents and signing practically every page, one document struck my eye " Affiliated Business Arrangement Disclosure Statement ''. I read through the entire document where Provident Funding claims that they have a business relationship with XXXX ( the XXXX XXXX XXXX, AKA " XXXX '' ). Neither my wife nor myself were asked to sign this disclosure, so I didn't think twice about it. 

We paid for the appraisal and had the appraiser come to our property to conduct the review. Not only was the appraiser rude but also very condescending. We went over all of the updates that we performed in the property and offered to provide receipts showing what we spent. He rudely stated that all of the updates that we did added no value to the property. 

Once we received a copy of the appraisal it was clear that appraiser wasn't familiar with our area, didn't provide proper valuation of our property, and didn't take into account any of the updates that were performed. He used houses that sold well over 6 months prior and houses that were in worse locations. Also, the appraiser didn't incorporate most of the updates that we performed. 

Once we began the process of appealing the decision we did more research the XXXX ( XXXX XXXX XXXX ) is actually owned by the lender Provident Funding. The XXXX is supposed to be a separate third-party, but instead Provident Funding started their own company to XXXX over their own customers. The XXXX is the company who decides what appraisers they use, which is not only unethical but should be legally not allowed. Provident Funding is  utilizing appraisers that give themselves better terms and forcing people like me to pay Private Mortgage Insurance ( PMI ) for a longer period of time. For us, if we would have received the valuation that we know we could sell our house for we would be able to completely eliminate our PMI. 

So while Provident Funding gave us an artificially low evaluation of our home, they also didn't require us to sign the disclosure form, thereby no longer clearing them of their conflict of interest. No customer should be forced by a mortgage company to use an XXXX owned by the mortgage company. We pleaded with Provident Funding to  reconsider our appraisal and allow us to pay for a second appraisal, however they said no to both. This is utterly ridiculous and the CFPB should care about consumers getting scammed out of {$10000.00} or more in equity because they control the appraisal process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit reporting agencies TransUnion and XXXX has not sent me Validation for account on my report XXXX XXXX XXXX XXXX   Account # XXXX. On XXXX XXXX I sent out a letter for Validation of a account XXXX XXXX XXXX XXXX  on my credit report. XXXX XX/XX/2020 i send out a letter for validation in which they have 15 days to respond showing me how the account was Validated. On XX/XX/2020 i sent out a method of validation follow up with the bureaus and this account remains on my report and i have not received validation. XXXX could not validate the account and they have removed it from my credit report.

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 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: CA

Complaint narrative:
On XX/XX/2020, my loan with Statebridge was transferred to a new loan, XXXX. Unbeknownst to me, the funds were not sent as well. I received a call from XXXX saying that I was 30 days late. I contacted them on XX/XX/2020 advising them that payment was sent electronically to Statebridge on XX/XX/2020. XXXX had apparently not received the payment. That same day, I then proceeded to contact Statebridge and when I saw that my account still had the unapplied amount of {$150.00} sitting there, I asked them to please send it to XXXX as my loan had been transferred. On XX/XX/2020, the unapplied funds were finally disbursed on XX/XX/2020, from Statebridge. I was told at that time that the money had been wired over. I contacted XXXX to see if they had any information regarding a wire transfer from XXXX in the amount of {$150.00} and they did not have anything in house. Again, I contacted Statebridge letting them know that XXXX had not received payment. Then on XX/XX/2020, I was told that a check was mailed on XX/XX/2020 and the agent gave me the check number. The agent at Statebridge was also going to open a task to see how the check was sent. I also asked if they could check to see if the check had been cashed and she said no. On that same day, I contacted XXXX to give them the check information so that they can see if they had the check in their accounting department. On XX/XX/2020, I contacted XXXX for confirmation of payment received, and of course they had not received it yet. XXXX asked me to send my bank statement showing proof of payment to Statebridge on XX/XX/2020. On XX/XX/2020, I contacted XXXX to again see if there was any information about the check from Statebridge being received and the agent informed me that nothing has been received as of late. I attempted to call Statebridge 4 times and have not been able to get through. Their phone system keep sending me to take a survey and I haven't even spoken to anyone yet. As of XX/XX/2020, the check that Statebridge " mailed '' to XXXX in the amount of {$150.00} still is yet to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Cheveron/Texaco I was recently the victim of Identity Theft I closed several of my accounts. I decided to no longer make payments on-line. I contacted the company and spoke to XXXX, XX/XX/XXXX at XXXX to changed my payment due date and reported that I made a payment by XXXX extra ( {$4.00} ). The young man said the date would be changed for the next billing cycle. I had him to update the account with the XXXX reference number. 

XX/XX/XXXX, I receive my bill and it had the late charge. I contacted the company and spoke to XXXX. She did not even let me explain but began to tell me how payment are processed by third party company. I told Ms. XXXX that I was aware that XXXX ( spoke to on XX/XX/XXXX ) had explained this to me ( I was not aware of third party payments ). I am never late with this payment. She was not very understanding but like a machine. 

I asked her about the payment due date she placed me on hold for 10-15 minutes. She said her manager XXXX said the due date could not  be changed on a closed account. I had more questions, she said would you like to speak to her I said yes. She transferred me to XXXX. Ms. XXXX tone when she answered the phone she seemed annoyed. I was not asking for anything just a due date change. She proceed to tell me that once an account is closed the due date can not be changed. I asked if I had any other options. She said no, " automatic billing '' ( she did not listen to my Identity Theft story and how I am not paying bills on-line ). I asked Ms. XXXX if the account can be opened and closed again after the due date is changed. She said an account has to be re-opened within 24hours. 

These two ladies showed no compassion or understanding for their customer. Just because I am no longer an active member you don't have to be non- understanding.

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 non-monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
This account was back fromXXXX. The original creditor is XXXX XXXX XXXX now they have turn it over to a collection agency whos name is ability recovery service. They have the wrong amount collected which is XXXXAnd the original amount which was owed to the original creditor is XXXX. The statute of limitations is up on this account and the collection agency is still trying to collect that is against the law. I would like for them to be fine the XXXX dollar For trying to collect on a debt that is too old. Ability recovery service didnt even send me a letter for me to say that I do not on this debt. It just appeared on my XXXX XXXX credit report.

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 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have asked Equifax and XXXX to remove this account from my report, as it was result of ID theft. I have asked the bureaus previously but it still reporting until now and affecting my scores and files tremendously. I need help to get this item removed from my file. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX  and Transunion are incorrectly reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and W-2 for identification purposes to proceed with the investigation of my complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian and XXXX are incorrectly reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and W-2 for identification purposes to proceed with the investigation of my complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I have been denied by Equifax office of consumer affairs the right to gain access to my credit file. I called Equifax to have my credit report made available. Upon reaching the office of consumer affairs I spoke to Mrs. XXXX who was very rude and condescending from the start of the call. I was simply indicating that I needed my file made available so I can work to purchase a home which requires a tri merge report. She denied my request and hung up in my face. 

This isn't my first time speaking to her or the office of consumer affairs. Every time I've called Im dealt with very poorly and felt very discriminated by this office. They continue to single me out and mistreat me. As a result of Equifax 's discrimination of me has caused XXXX XXXX and XXXX  and has cost me and my family financially by the negligent actions of Equifax. 

I've been apart of data breaches by Equifax and have had my information compromised as a result of Equifax 's data breeches. I've asked for a manger call back since XXXX of 2020 and haven't received one single call from a manager of Office of Consumer affairs. At this point if Equifax doesn't clear this matter up in a very timely manner I will have zero choice but to sue Equifax in federal for XXXX XXXX   and harassment and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: CA

Complaint narrative:
I had my credit ran today XX/XX/20 because asked for a credit increase on one of my credit cards but I was turned down because apparently there are accounts in negative standing on my credit. I looked through a copy of my credit report and I saw accounts from XXXX, XXXX XXXX XXXX XXXX XXXX that I never opened. I don't know why these accounts are on my credit report or who could have opened them in my name without my permission. I never got anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I do not have any contract or relationship with any of the companies I listed and I did not give them permission to run or view my credit information. I already filed a police report as regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
I am a XXXX  impacted heavily by Covid-19. I initially reached out to Amwest in XXXX, informing them of my listings and sales being cancelled and I would need a deferall. They weren't very cooperative until I filed a complaint, then agreed to move the two months payments to the end of the loan and slightly increase my payments and remove late fees. I have attached the statement where they continue to charge me a late fee. I contacted the XXXX  department again in early XXXX, letting them know that we are rolling back again due to covid, and i did manage to pay my property tax and insurance but need help with my XXXX mortgage and now XXXX. I didn't get any response, I emailed again, with no response. Their website states they help and will continue to help for covid impact, i attached a screen shot, but no response. I finally called XXXX XXXX at XXXX, he said he would get investor approval and let me know, never heard from him, i emailed again, and again, he finally responded and said he is waiting on the investor. This is very hard on our family to keep reaching out and get no help and response like all other regulated banks are helping my neighbors. I am asking for help and doing my part communicating and staying pro-active. please help, and also the unecessary late fees should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have asked XXXX  and Experian to remove this account from my report, as it was result of ID theft. I have asked the bureaus previously but it still reporting until now and affecting my scores and files tremendously. I need help to get this item removed from my file. 

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 2020-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX partial account number XXXX. Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-14 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX partial account number XXXX. Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
I just noticed this amount on XXXX XXXX and on my credit report. I contacted XXXX  and they said it was verified, I do not have good credit and there uis no way and i DID not open this balance and nver would with payday loan and not sure how i could I cant even get a car loan right now. So i need help getting this off my credit report because I am trying to move and get a rental place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received Capital One 's response to my complaint that they incorrectly reported to the CRA 's that I was late over 30 days in XXXX of 2019. Their mistake was to claim that I drew on an account that is still an option for me to use on this account, and that as of the date of theri reply that it still is an option to draw from that account. I have verified with my own account and their customer service that this XXXX XXXX account has NEVER been an option to pay for this credit card. Capital One is in fault here and this should late should be removed from my reports, and they need to do an internal investigation on how one side of their company is saying one thing to me and the other side is saying something different. This has severely hurt my chances on buying my dream home and Capital One needs to take accountability.

Company response to consumer: Closed with explanation