vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
We took a second mortgage out in XXXX. The agreement was for 240 payments of {$310.00}. The disclosure statement said that would cover the {$30000.00} principal and {$46.00}, XXXX worth of interest for a total of {$76000.00}. Interest rate was 11.521 % which I hear is outrageous but we were dumb at the time I guess. I'll admit it was a bad decision. We have paid every payment to date though. 

We are nearing the last payment which is XX/XX/XXXX and I asked for a payoff. I was told we would owe over {$9000.00} if it was paid off by our XXXX payment date. No one can explain to me why we would still owe this much when we have made all the payments. In XXXX we were forced to declare bankruptcy when my husband was XXXX and we had huge medical bills. The loan was not reaffirmed but per our lawyers suggestion we continued to make payments on it. At that time we were behind a few payments but we made an agreement to make up those payments and we did it. Since then we were rarely even late, and in the last 8 years have never been late. When we were late we always paid the late fee and we have always paid any other ridiculous fees they tacked on for things like them selling the mortgage to another company or sending us documents.. 

I requested loan histories from Ocwen, this company and another previous holder of the mortgage, Litton, and I can prove that we made the payments. A lawyer is looking over those now, but has generally agreed with me that when we make these final 6 payments we will have completed the loan terms. 

The mortgage has been sold a few times. The current holder is a company called PHH or XXXX, whichever they choose to use as a name on a document. It's a subsidiary of Ocwen, which was the previous servicer. In the last 2 years they continually claimed we were late on payments, even though we always made our payments 10-14 days early online. We had to call each month to get the late charges removed. When the payments were declared late that changed how the payment was allocated between interest and principal, making us pay more interest. I finally made someone understand that after I made an online complaint and they claim they fixed this going back to when they got the mortgage. But no one can still explain why that would leave such a huge amount at the end of the loan. 

I offered to give them the last 6 payments we owe for a release of the lien but they insist our last payment needs to be some {$7.00}, XXXX more than what the sum of those payments would be. We are senior citizens and I can not just give them extra money we don't owe to get the lien cleared. We will continue to make payments while this is being resolved. But I would like them to release the lien as soon as all the scheduled regular payments have been made without that huge unexplained amount on the end. I have consulted with a lawyer as I said and he suggested I file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/2019 a monthly transfer to my wife account was not credited. When complaining to the Bank they instructed me to make the transfer again for a different amount. Next day both transfer had been credited to my wifes account and my account showed insufficient funds, to cover monthly payments to my creditors. 
Eventually the bank recognized the error and credited my account with the fees charged for insufficient funds, but the error impacted negatively my credit score that was lowered from the mid high 700 to the mid 600. 
This part of my complaint was ignored by the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: Nelnet, Inc.
State: IA

Complaint narrative:
XXXX is refusing to remove 9 late payments that they claim were after my XXXX began, XX/XX/2016. The supposedly late payments are still inflicting emotional damages upon me because Im XXXX XXXX  XXXX, they dont need to be adding insult to injury. Those 9 late payments still effect the repair of my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: VT

Complaint narrative:
I applied for the XXXX  XXXX  Plus Credit Card with a {$99.00} annual fee from Barclays on XX/XX/XXXX primarily to use its trip delay insurance benefit that was advertised on its website. As advised in advance of purchase by a Barclayscard XXXX  XXXX  Plus Card agent, I booked XXXX  XXXX   airfare tickets on another card on XX/XX/XXXX, received the XXXX  XXXX   Plus card on XX/XX/XXXX and immediately had the airline tickets transferred to my XXXX XXXX Plus card on XX/XX/XXXX so that I would have trip delay insurance for the trip as provided by the XXXX  XXXX  Plus card. I paid the {$99.00} annual fee included on my XX/XX/XXXX statement. 

On XX/XX/XXXX, I received an email notifying me that the trip delay insurance benefits had been terminated retroactively as of XX/XX/XXXX. 

In XX/XX/XXXX, we used the XXXX XXXX tickets purchased on XX/XX/XXXX. Our flight was cancelled, and our trip was delayed by two days. Due to Barclays false advertising of trip delay insurance and retroactive notification of termination of the insurance, we had no trip delay insurance to cover our expenses. 

I spent several hours on the phone with Barclays XXXX XXXX Plus Card Customer Service regarding this issue getting nowhere. I understand that the underlying benefit might have been provided by Mastercard, however it was still Barclay 's obligation not to false advertise on its website and to provide notification of the termination of the insurance benefit prior to the insurance being cancelled. 

I am seeking a refund of the {$99.00} annual fee since I got the card and paid the {$99.00} because of the falsely advertised trip delay insurance benefit. I am also seeking compensation for the two day delay of the XXXX XXXX trip that had ultimately had no trip delay insurance, leaving us without coverage of insured hotel and incidental expenses. There was no indication on the website on XX/XX/XXXX that the benefit would be expiring within a few days. I only learned of this 20 days after the fact, after my XXXX XXXX ticket was already purchased. I believe that in addition to the false advertising, it is not legal to terminate insurance benefits without prior notification.

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 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TX

Complaint narrative:
Thursday XX/XX/2020 I went inside Comerica Bank located on XXXX XXXX XXXX XXXX, Tx XXXX to withdraw some funds from my account for rent. Unfortunately, they put a hold on my account, and put it under review due to XXXX  deposits so I wasnt able to withdraw money from my account. I called corporate Friday XX/XX/2020 and the lady whom Ive spoken to told me it would be cleared Saturday XX/XX/XXXX or Monday XX/XX/2020. Saturday, I went to the Comerica Bank I originally opened with which is located on XXXX XXXX XXXX XXXX, Tx XXXX. I spoke with someone there and she told me my account was off hold and I was able to withdraw funds from my account. I withdrew {$1000.00} from my account. I left and tried to swipe my card at XXXX to get my babies something to eat and they declined it. I tried to log in to online banking they told me I had the wrong password. I went inside Comerica Bank today, Monday, XX/XX/2020 to see whats going on. The lady whom Ive spoken to Saturday, told me yet again my account was good. I asked her if I could withdraw some money she told me yes. I went over to the teller and she says she has to get the amount approved by the supervisor. They called to verify and saw that the same bank froze my account yet again for the very same reason which was the same review from Thursday and told me I couldnt withdraw any funds from my account. Since the previous review no new deposits were made. Im making a complaint because, they cleared my account Saturday XX/XX/XXXX and allowed me to withdraw from my account and they froze it again Monday XX/XX/XXXX after no new deposits or transactions were made as of Saturday XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-03-02 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-03-02 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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I submitted a complaint ( # XXXX-XXXX  ) to the CFPB on XX/XX/2020 that Citibank fraudulently tricked me into opening a checking. I fulfilled all the requirements of the promotion in order to receive XXXX Citibank points in my " Thank You '' account with Citi. I submitted 16 pages of documentation of this fraud. I just received a response today from Citibank and from the CFPB. Citibank lied to both me and the CFPB that they had in fact deposited XXXX Thank You Points on XX/XX/2020. Here is the response submitted to the CFPB and to me today. 

" Upon receipt of your concerns we engaged our Senior Management overseeing our promotions. They have confirmed that you were targeted for the promotion code XXXX for XXXX Thank You Points. You did meet the terms and conditions of the promotion. The XXXX Thank You Points were credited to your Thank You Members account number ending XXXX on XX/XX/2020. '' Citibank has not in fact deposited the XXXX Thank You points in my account as of today. Furthermore, Citibank claimed to have even deposited the points 10 days before I even submitted my complaint to the CFPB which is an outright lie. I attached the letter from XX/XX/2020 which Citibank stated I wasn't even eligible for the promotion and therefore was not going to receive the points. 

It is one thing that Citibank apparently hates its customers to defraud them, but it is a whole other problem for Citibank to blatantly lie to the CFPB, its regulator, and lie in it's official response stating the situation is resolved when it is anything but resolved. Astoundingly, Citibank claimed to have resolved the complaint ( on XX/XX/2020 ) before I even filed the complaint on XX/XX/2020. I will likely have to take legal action now as a result of this fraud. 

The CFPB should not allow one of the largest banks in the US to commit fraud against its customers and then blatantly lie to the CFPB that the case is close by claiming they deposited the points I am entitled when they absolutely did not and admitted in writing to the fact they have not.

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 2020-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
this is now my second time reaching out to your company. the last response was from XXXX - XXXX, on behalf of Capital One in which she stated I applied for credit when I DID NOT. look on the paperwork I have never and will never be associated with the address : XXXX XXXX XXXX XXXX this inquiry was not authorized by me in any way whatsoever and therefore is a result of fraud and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: IN

Complaint narrative:
According to my credit report, Enhanced Recovery Company purports they have the right to collect {$290.00} from me. They have been reporting this amount since 2019 without proper notifications sent to me. After speaking with the credit bureaus ( who I have addressed separately ), they have not spoken with anyone at Enhanced Recovery Company regarding my name or an alleged account. I disputed this information and it was verified as accurate. 

Because the credit bureaus did not speak with Enhanced Recovery Company, this debt has been verified illegally. Also, they have not sent me any notices regarding my right to dispute, or any mailings for that matter. They continued to list this account as " open '' and not " in dispute '' despite my disputes with the credit bureaus. They need to be reminded that, according to the FDCPA, they must follow certain procedures when attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
OnXX/XX/2019, I was a victim of credit card fraud. My cards were used while I was at an adult establishment and charged for outrageous amounts with outrageous gratuity amounts added on to the purchases without my authorization. A police report was filed against the merchant and an affidavit stating I did not authorize those purchase and the handwriting on the receipts are forged were submitted to American Express as evidence. The total in charges on two of my american express cards was over {$70000.00}. On multiple occasions the American Express fraud team told me in writing that the fraud case for these charges was closed in my favor and I would not be responsible for any of the charges. However, out of the over {$70000.00} in fraudulent charges American express only credited my account {$13000.00} and now states that I will be responsible for the remaining balance. American Express states that because I was present at the time the cards were being used it can not be considered fraud which is contradictory to Florida Statute 817.61, which states " A person who, with intent to defraud the issuer or a person or organization providing money, goods, services, or anything else of value or any other person, uses, for the purpose of obtaining money, goods, services, or anything else of value, a credit card obtained or retained in violation of this part or a credit card which he or she knows is forged, or who obtains money, goods, services, or anything else of value by representing, without the consent of the cardholder, that he or she is the holder of a specified card or by representing that he or she is the holder of a card and such card has not in fact been issued violates this section. '' Nowhere in the statute does it say that the cardholder must not be present for fraud to occur. The fact that the charges were made without my knowledge and the receipts were forged is more than sufficient for these charges to be considered as fraud. In addition to the fact that these receipts were forged, all of the charges occurred after the legal operating hours for an adult establishment in XXXX XXXX County and documentation of such was also provided to American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Elder financial exploitation & credit card fraud from false charges on old/closed credit card account. CapitalOne is aware of this and refuses to address/investigate the fraud/false charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I had a Credit Card with XXXX XXXX that became delinquent when I was XXXX years old. I moved away XX/XX/2008 for college and began professional career, and in between that time I was not able to be financially stable to repay the debt. This account was closed and given to Portfolio Recovery that has claimed that I was aware of this attempt to collect debt, but they never had an updated address to where I could receive an opportunity to dispute. Also the company has harassed me since at my place of work, family members, and continually unethical and unfair reporting that at times seems borderline illegal. I have moved back home recently after 12 years and never received any notification because I had changed addresses with any notification. I would move that this derogatory mark be removed from all credit reporting agencies XXXX, XXXX, and XXXX to rectify the injustice and abuse of consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have two JP Morgan Chase credit cards that were included in bankruptcy. 

These accounts are past the reporting time. 

JP Morgan Chase needs to remove these. 

Furthermore, the accounts are listed as if they are identical - XXXX is what the two entries show. 

One card was the Chase Freedom, and the other was the Chase Sapphire.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I purchased my home in XXXX via XXXX XXXX  who sold my Loan to XXXX XXXX in XXXX. 
Since my loan was taken over by New Rez I now receive 2 Different Statements, one from XXXX XXXX and one from Loan Care who supposedly is the Loan Servicer. When I call for the statement to XXXX XXXX who is supposedly the owner of my loan I am not even in their system, they refer me to XXXX XXXX. This whole situation has become confusing. 
I am a XXXX senior and at times have issues with my loan due to delayed social security check issues. When I call in for help, they refer me to my Bank. But it is not a Bank Problem. 
This combination XXXX XXXX / Loan Care has turned into a discombobulated mess, with no one to ask for help. You being passed around like a dog with no home.

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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a written dispute to Equifax on XX/XX/XXXX. It was confirmed received on XX/XX/XXXX by Supervisor representative XXXX ID # XXXX on XX/XX/XXXX. 

As of XX/XX/XXXX, I have not received notification of my dispute results by electronic mail, USPS mail or otherwise. I called in to inquire about this on XX/XX/XXXX and spoke with 4 different representatives who all confirmed and acknowledged receipt of the dispute as XX/XX/XXXX.It was processed by their office on XXXX XXXX and according to their records all creditors validated the accounts as accurate all on the same day of XX/XX/XXXX, and they also mailed me a copy of the results on XX/XX/XXXX. It would appear highly unlikely that 11 account holders would respond on the same day and results would get mailed on the same day of response since it took almost 2 weeks for my dispute to get processed. Please note : I have not received a copy of that response and verified my mailing address as accurate. 

Even if this information is true, my dispute was confirmed received on XX/XX/XXXX. It has exceeded 30 days as required by FDCPA guidelines to respond to my written request for validation and therefore must be deleted. 

I called Equifax on XX/XX/XXXX and explained this to several representatives who all refused to have the disputes removed from my report. This is gross negligence and in complete violation of my personal rights. 

In addition, there is a Bankruptcy that is being inaccurately reported on my credit report from XX/XX/XXXX. I have reached out to Equifax on 3 different occasions to have it properly investigated and removed as it does not belong to me along with numerous accounts that are being reported as written off in bankruptcy. I'm being told that it has been verified through XXXX XXXX which a 3rd party used by the court system to verify this account. This is 100 % inaccurate as I have a letter from XXXX XXXX stating that my information is not reported by them to anyone. A copy of this letter has been supplied to Equifax and has gone completely ignored. I have attached a copy of this letter for your review. 

At this point my rights have been violated on several instances, I have spent hours on the phone with representatives who disregard are either uneducated on FDCPA guidelines or totally disregard them. I have provided evidence that the bankruptcy validation source is invalid and asked for them to provide me with a copy of the validation received and have denied access to my records.

Company response to consumer: Closed with explanation