vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CarMax, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I contacted XXXX to find out how to place a freeze on and remove a freeze from my credit report. I said I was going to cosign a loan so my granddaughter could purchase a car, and I asked when I should unfreeze my report. I was told I could do it when my granddaughter decided what car she wanted to buy. I was NOT told that it might take a couple hours for my report to unfreeze, so I should unfreeze it and have the car dealer wait a couple hours to check my credit. Therefore, what happened when we applied for a loan on XX/XX/2021, is that CarMax tried to check my credit but was unable to ; and then other financial institutions also tried to check my credit but also were unable to because if CarMax denies a loan, the system automatically goes to the next lender and the next lender and the next, until it gets to the end of the list of lenders. This has resulted in three hard inquiries being added to my credit report and my granddaughter 's, CarMax plus two others. If XXXX had told me to wait a couple hours before allowing CarMax to check my credit, my loan would have been approved by CarMax - as it was when my credit was checked after the freeze was finally lifted a couple hours later - and it would not have been necessary for the other lenders to check our credit, and the only hard inquiry would be CarMax. It is XXXX 's fault that these two extra inquiries are on our reports, not mine or my granddaughter 's. Also, CarMax did not warn us that if the system resulted in multiple lenders checking our credit, it could result in multiple hard inquiries being added to our credit reports. Had I known that the way CarMax does business could result in extra hard inquiries being placed on our credit reports, I would have gone to a different car dealer and not done business with CarMax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I did not get this loan an ex spouse used my information to get loan and not pay it off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I never received validation notice from Waypoint because XXXX never sent them my updated address ... I called XX/XX/2021 and provided my mailing address. They told me the validation notice was just sent yesterday. I am requesting Watpoint remove this from all 3 credit reporting agencies because they failed to provide validation notice. On XX/XX/2021 I let the representative know that I dispute this account. If they do not remove this from my credit report I will retain council. The waypoint account number is : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received an ad from Bank of America that said if XXXX ) I opened a checking account XXXX ) Set up direct deposit of XXXX or more within 90 days ... then I would get a {$300.00} incentive or bonus added to my account. 

After .... 
XXXX ) Opening a bank account XXXX XXXX Having $ XXXX in direct deposit within 90 days and calling several times I have not received the {$300.00}. This seems like a technology issue where they don't recognize that I enrolled in the issue. I shouldn't be penalized for a broken website. 

According to the terms and conditions I should have received the {$300.00} at this point. I should not have to call several times to resolve this issue. The representatives can't even find the terms and conditions for the offer.

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Unexpected or other fees — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have maintained communication with this company over 5 years both during college and after I graduated. I have made payments, requested documents ect. I want to negotiate a lower percentage rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XX/XX/2021. 6 late fees due to covid 19. I was unable to pay my monthly car note of {$510.00}. These late fees on my credit report is affecting me to be able to move forward in my personal life. I lost everything. I signed up for the covid relief program not aware of the company to continue to report 30 and 60 days late to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I received these checks in the mail from this company and I deposited it and started a loan. For some reason it slipped my mind. I started in XXXX and by XXXX the company had sent me to the Ohio court system once that happened I am immediately paid my account to get it up to date. 
I apologized to them and advised I would not miss a payment going forward they said this was fine they advise the court documents would go away they advised they were no longer seeking a judgement. They also advised me I did not need to go to court. What happened next was weird because my credit score went down I am starting to show this account was now in collections and there was a past due amount of {$120.00}, which made no sense I called The local office they said your account is not past due youre actually paid up a couple months so I left it alone. I checked my credit report again and it still shows that the account was past due and collections. I attempted to file a correction with the credit bureau, that failed. I Filed a complaint with the XXXX  XXXX  XXXX  then the company contacted me back and says well your account is listed as collections any time it has to go through the court process which I was not advised before then they said even though your account is paid up were still gon na show its past due For court cost until its paid off which makes no sense at all if my account is technically paid up a few months why would you still show a past due balance that is actually lying. They say well its our system which is not fair to the consumer at all if they have a system issue they need to fix it. That can not be legal to reflect someone as past due mess up their credit for months and on top of that they got a judgment against me when they told me I did not need to go to court. I dont see how this is fair at all if I needed to show up to court to defend myself or put my statement in, I would have done so now it looks like I did not show up to court and they got just a simple judgment against me. I intend to pay this off in full as I have been doing. But for this to reflect this way on my credit report and for them to go to the courts and get a judgment when they lied its not fair at all and I would like this looked into. I even asked for official company documents that state if you miss a payment your account is reported as a collection and it will report as a past due balance on your credit report every month until it is paid off in full and no one at the company has sent this information to me. I can even attach a screenshot from my mariner account where it shows I dont even have a payment due until XXXX so how was his company allowed to mess with my credit like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a credit balance on my Bank of America ( BofA ) credit card ending XXXX in XX/XX/2021 and BofA representative told they would transfer XXXX of credit on the credit card to my checking account ending XXXX at that time. However, they sent XXXX of credit back the original payment account instead of my checking account without my authorization. The original payment account was closed ( from the bill pay service ), which I am not able to access. Now I have XXXX $ of credit in my credit card and I dont know where my credit is. I have contacted BofA serval times and spent hours in requesting the credit back to my credit card account XXXX in XXXX and XXXX. I have not received any progress and update to date yet. Therefore, I request BofA correct the error they made and return my credit into my credit card account.

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 2021-03-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX we formed an XXXX XXXX for a small commercial property in XXXX CA. 

It was an inheritance and XXXX XXXX XXXX called the loan based on my fathers death. 

We had a relationship with Washington Mutual so we reached out and explained our needs In XX/XX/XXXX we came to an agreement secured a 15 year fixed loan which terminates in XXXX of XXXX We thought our loan was 15 year fixed and our last payment would be our last payment. 

In XXXX of XXXX our group had a bit of a riff. I requested an Amortization schedule as part of due diligence as a Managing Member. 

This was the first time I was aware of a balloon payment associated with our loan. 

I called again after we resolved and was told there was no balloon payment by a rep. I was still uncertain however I did not pursue it at that time as we had a loan called prior and were in no position to pay off our loan at that time. Now we are. The loan is now serviced by Chase. 

I reached out to Chase with my concerns in XXXX. We moved from our initial contact to another department and traded several emails and one initial phone conversation and one recent group call from Chase and two different departments. 

I admit to being a bit unsophisticated at signing. I did not know what a XXXX XXXX loan or an Actual XXXX was. I did question the XXXX have a balloon payment at the time and it was explained in case there was an issue down the road. 

We feel there was insufficient disclosure. We brought this matter to Chase. They feel there was. We are in disagreement. 

The the Note does say XXXX have a balloon payment There is no other description An Amortization schedule was not provided at signing Washington Mutual Billed XXXX XXXX but charged Actual XXXX they then took the difference between the actual XXXX and XXXX XXXX and added to the difference of the principal monthly. 

We feel disclosure was insufficient and had we known that we could we would have made extra payment to account for the difference if we could. In fact even now we are unsure if we could have due the rather aggressive prepayment schedule with our loan. 

Our argument to Chase was based on the way the loan was structured and billed there was a known balloon payment from the beginning by design of Washington Mutual. Furthermore, it was disclosed inadequately. 

This and lack of the Amortization schedule would have alerted us to this. 

We sought out Chase to correct this. They denied and defended the note and feel that disclosure was sufficient as of yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by Capital One Bank National. They are being completely unfair and I dont know how to get ahold on them but through this portal, since I have been calling their customer service but I haven't been able to get a solution. 

I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with this situation. 

I was on auto pay, but the system never allowed for auto pay to be set for minimum payment, the auto pay instead just had to be set to an amount he had to keep on changing as the minimum payment changed. 

In XXXX in our state Georgia we were affected by XXXX XXXX. My office was located in the area of the natural disaster at the time, my assistant normally pays my bills for me. The internet had gone done due to this disaster. 

Finally when I did get internet access, the Capital One account was locked, I tried to get capital One to send website log, and Capital One has refused to do so. 

Capital One sent no late payment notices to my address, and when I called to find out why, they said they had been calling me, but the phone number they told me was one that was located in Washington and didnt belong to me. The phone rep could not explain how this happened and said Capital one messed up and they were going to make corrections. 

I am just asking for what is fair in this case : I need to get the late payment reported on XX/XX/XXXX to be corrected on the account. 

The account information is as follows : Account number : # XXXX Account status : Open Type : Credit Card Responsibility : Individual Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I tried to receive a PPP loan from Rockland Trust. This is the second draw loan for my business which has been shut down since XXXX of XXXX due to Covid-19. I originally applied for a second draw PPP loan in XXXX once Rockland Trust began accepting requests. I am a sole prop seasonal business under the SBA guidelines released. I was approved for a second draw PPP loan on XX/XX/XXXX. Around this same time the Biden administration released updated guidance for sole props allowing them to use gross income instead of net income to calculate their loan amount. This change would significantly increase my loan amount. My loan officer, XXXX XXXX and I made the decision to not continue with the second draw and instead apply under the new guidelines resulting in a loan amount around {$23000.00} vs {$8500.00}. Once guidance was released to banks, I submitted a second draw loan application immediately. The only change I made from the initial second draw application was using gross income instead of net income to determine the loan amount. In this application I used the sole prop seasonal business calculation worksheet provided by Rockland Trust. After many weeks of back and forth since most reviewers and loan officers at Rockland Trust do not understand the SBA guidelines, I was denied for my loan today stating that sole props can not be considered seasonal businesses. Rockland Trust had already approved my business for two loans under the seasonal business calculation. They have also dragged their feet up to the deadline ( XX/XX/XXXX ) to process these applications. I am now being denied my loan unless I consider my seasonal business non seasonal. Rockland Trust is making up new rules on the final day of the loan eligibility deadline in order to refuse service. I have business accounts with Rockland Trust and have had nothing but issues with Rockland Trust and the PPP loan process since early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Has failed to provide documents requested on my prior dispute to the CFPB submitted XX/XX/2021 on which I ask for documentation I needed to verify the opening date on the account reporting on my credit report by XXXX thats is not matching my records. They responded saying and verifying that they can not provide the account because they dont have it. This complaint is because they have not remove this account from my credit and that account is still reporting violating my rights under section XXXX of the FCRA. Attach I am providingthe CFPB with the letter I received from XXXX after the complaint confirming the FCRA 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 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
on XX/XX/2020 our shop was closed on Quarantine by the NY Governor order. 
I could not pay my home mortgage and contacted Mr. Cooper Motrgage company to pause my payments until we would be allowed to go back to work.

I missed 4 payments total of {$3900.00}, and as soon as we start working I renewed my payments. After I discovered that Mr. Cooper adds {$3900.00} to my principal as a penalty, Mr. Cooper said that they made some kind of forbearance program, that allows them to charge me an extra monthly payment amount of {$990.00} x 4= {$3900.00} and add it to my principle. I think it should be illegal to penalize people 100 % of the monthly payment. 
I never agreed to that, I never signed any documents and I think it should be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I opened a Wayfair Credit Card which is held by Comenity Bank. Upon opening the card I called and asked if the statements that I received would reflect the minimum monthly payments to pay the account off within the 0 % interest time frame. During that call I was told that they would. Today I opened my statement from Comenity Bank and there are {$500.00}. I called Comenity Bank and there is not 1 of the 5 people that I spoke to that A ) Explained the charges in the same fashion or B ) Were able to explain the charges at all and the fairness in which they were charged. I was referred to as a child, I was challenged to think like a consumer and be responsible and above all not given factual proof of said charges. I 100 % agree with the ability to profit on consumers, I do not agree with deception and unfair predatory treatment. When asked about their offerings for hardship during the pandemic I was advised to call after my due date without making a payment which would then incur a late fee? I was able to understand that Comenity opened 3 different promotional accounts under 1 main account and applied payments at their discretion instead of in the best fashion for the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Hello, I notice that there are collections accounts on my credit report. I never had credit with this creditor XXXX in XXXX or XXXX. I have asked this company serval times to provide me with documentation showing that the account belongs to me. It's been over 30 days and I have not heard back from them. Please can anyone help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: OH

Complaint narrative:
I originally started disputing what I found to be inaccurate information on my credit report with XXXX and Equifax on XX/XX/2020. Both companies responded that the information had been verified but failed to provide me the requested documents they used to verify it. 

On XX/XX/2020, after reviewing my full credit report again, I send another letter to both bureaus with more requests for them to look into a number of inaccurate accounts. They failed to respond within the 30-day window, so I sent another letter on XX/XX/2020. XXXX  neglected to respond at all and Equifax noted accounts were updated but again they completely ignored my requests for documents to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
So Im trying to use PayPal for XXXX so I can sell and I recently just opened it up. and one day out of nowhere they permanently banned me. So I got in touch with them over the phone today and the person I talked to said there team went over it and had suspicious activities and I can get the funds out within 180 days and kept giving me the same vague answer. Now I did have a account that I made when I was 14 under age and when I turned 18 I got back with them and talked about verifying the account and he got back with me and said I cant use that one why I dont know but he said I can make another one on a different email so thats what I did. And it all looked good until last week I got a alert that said the account was limited for suspicious activitysand no real answer. Now I did put the bank that I use and have access to and use constantly its under my fathers name because I turned 18 last XXXX and I have had access to the account sense XXXX of last. year and I can provide proof that I do have access to the account. My email is XXXX and the account is under XXXX my number is ( XXXX ) XXXX BTW I have another video that shows the agent saying I can make another

Company response to consumer: Closed with explanation