vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
My auto was financed through Capital One at the time of purchase. The load was paid off and now CapOne is refusing to provide me a lien release letter. They are asking me to go to XXXX XXXX XXXX to get the lien release. XXXX is owned by XXXX XXXX XXXX. CapOne has sold my information to them and now they are demanding me to pay {$23.00} for the lien release. I consider this a scam where the financial institution has a responsibility provide me the lien release free of charge. They claim they did send me the lien release. My County Clark office nor I have received it. Also CapOne refuses to provide me any proof of them sending me the lien release. Consumers should not be charged to receive their lien release once the loan is paid off. This is a scam where CapOne and XXXX XXXX is colluding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander Consumer USA Inc. is reporting INCORRECT information. This account is PAST the 7 year mark to be removed from my 3 credit reports. My last payment with  PROOF was on XX/XX/2014! in the amount of {$330.00} The car was a lemon and I have proof engine blew from the attorney general XXXX XXXX of the state of Florida. This account needs to be removed ASAP over the 7 year mark. Account # XXXX This information is only to be used to remove this zombie debt from my 3 credit reports and is not to be used for inside arm debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: ME

Complaint narrative:
I have a federally backed convention mortgage. XXXX XXXX holds the note. 

On XX/XX/2020 I wrote to RoundPoint Mortgage Servicing to request mortgage forbearance under the CARES Act ( HR 748 ). I certified that my wife and I " are experiencing a financial hardship caused by the COVID-19 emergency. '' I then specifically requested that RoundPoint put our loan on forbearance for 180 days, and that the deferred payments NOT be made due in lump sum at the end of the forbearance period. See CFPB ( https : //www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/ ) In response, RoundPoint sent an  email on XX/XX/2020. The response indicated that RoundPoint would not honor my request under the CARES Act. In fact, the email required me to take additional steps of going to the RoundPoint website ( the URL of which, interestingly, was not included in the email ) to " request a temporary COVID-19 Forbearance Plan. '' Although I do not believe that email to be a valid response under the CARES Act, I honored the request and filled out the forms on the website. At the end of the form, Roundpoint offered to put the loan in forbearance for 90 days, with the forbearance payments due in a lump sum.

That option is not what we are entitled to under the law. It appears RoundPoint is trying to divert borrowers into the less favorable terms of its own forbearance program. I do not accept that " solution. ''

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 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back at the beginning of XXXX received an escrow letter letting me know I had a shortage of {$1300.00}. I called Wells fargo advising I would be paying {$1000.00} towards the account but needed to know if paying the amount in XXXX would be an issue. I was told that was acceptable and I asked for a new analysis. I was advised a different department had to do that so I sent an email requesting this. Next thing I know I am getting multiple letters about COVID relief which I did not request. I was unable to make any payments online as they shut my account off. I called multiple times to get this fixed and emailed multiple times to no avail. I called to make the {$1000.00} payment and also verified they had received new insurance documents showing a decrease of {$220.00}. This should have left a balance of {$88.00} which I would have paid in full. I kept receiving COVID information versus my escrow. I then complained on their XXXX and they got a manager involved. At this time period I actually did catch Covid and asked they conduct all manners of business via email as I could barely talk. They wouldn't do this. So today I receive another letter from them still with the wrong billed amount and an email that to fix it I have to call in ... ... ... ... again. This is about my 15th call to Wells Fargo and countless emails. Ridiculous and it's unacceptable

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 2020-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My wife ( then fiancee ) and I moved to Minnesota in XX/XX/XXXX, migrating our personal bank accounts into joint savings, checking, and credit card accounts with BMO Harris. We choose BMO Harris because it had physical branches in the XXXXWI and XXXXIL areas, in preparation for our wedding in XXXX that same year. The accounts manager included a " personal line of credit '' that included yearly fees but were not explicitly stated, as my wife and I were ( and are ) adverse to accounts with fees. We would never use this line of credit. To describe the character of the accounts manager that created our accounts : he got our names, phone numbers, social security numbers, and address all incorrect, taking months to correct in person, over the phone, and online. Additionally the savings account we were given had a prohibitively large minimum balance that incurred fees, another feature of our accounts not explicitly disclosed. I visited a branch in XX/XX/XXXX to close all remaining accounts, including this line of credit, and neither the teller or Account Manager informed me that the personal line of credit could be canceled because of a balance due. I still received vague emails about my online account. A call to customer service in later in XXXX, the representative informed that I had no active accounts and that it must be a glitch in the system pending the removal of my online access. Recent ( this month, XXXX ) updates to BMO 's online system, and email notifications informed me that I had an account with a balance due. After reactivating my online access, I clearly saw the personal line of credit and a non-zero balance. Numerous in person, over the phone, and online interactions demonstrates a clear pattern of incompetent, if not fraudulent, business practices. Given the times involved, XXXX to XXXX, I have no records remaining as problems of this nature become apparent within a year, and I keep those records for at most two years. I will be buying a larger fire-proof filing cabinet to keep records for at least 5 years.

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 monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
We got behind on our morgtgage payments for the months of XXXX and XXXX. In XXXX, we had the money to pay the 2 past due payment to LoanCare as well as the XXXX payment, but we have not been able to log into our account ( they disable your online access after 2 months of being behind on payment ) nor have we been able to reach a person at LoanCare to try and solve the problem. 

My husband and I have called multiple times a day, every day since XXXX and the automated system identifies your account then hangs up on you. We have answered the phone when LoanCare calls us but it is just an automated message that tells you to return their call. 

I sent SEVERAL emails to every email address I could find. When you email customer service, you receive an automated email response saying they are no longer monitoring that email address. I emailed loss mitigation and even the email address for requesting payoff information in hopes of being able to reach anyone. I have never received a response. 

I reached out to them on XXXX in a private message on XX/XX/XXXX explaining the troubles I was having and they responded and gave me another email address to send an email to, I have sent 3 emails to that email address, still with no response. 

We have the money to make the 4 months of payments, but we are terrified to send the payment to them in case there's no one there to accept the payment. 

We did receive paperwork from loss mitigation to start that process last week, but we we still can't get ahold of anyone. 

We don't know what else to and we don't want to lose our house!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In XX/XX/2019 I applied for a XXXX XXXX Credit card. At that time my credit was in need of serious repair and I believed a low limit store card would allow me to build better credit. On XX/XX/2019 I was approved for a {$500.00} limited. 

I have made several small purchases over time. Each time I have paid the card in full, including my last payment in XXXX XXXX for {$57.00}. The balance on the card was {$0.00}. 

XXXX XXXX I received a letter from XXXX XXXX that XXXX XXXX was using information from Trans Union to cancel my account. Furious I reached out to XXXX XXXX because I believed they improperly pulled my credit history. The representative said they did not pull it, it was provided to them by Trans Union. 

XXXX XXXX was authorized to pull my account in XXXX to make a credit worth decision. The credit bureau was authorized to release it at that time. The credit bureau is not authoized to repeated send my creit report to my credit cards monthly and doing so in this case has actually negatively affected my credit that I was working to repair. As other inquiries will see that XXXX XXXX took this action. 

My complaint is on both parties and I will consider filing a suit against both, but first I would like to file a complaint here.

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 2020-05-09 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting INCORRECT information. This account is PAST the 7 year mark to be removed from my 3 credit reports. My last payment with PROOF was on XXXX XXXX 2014! in the amount of {$330.00} The car was a lemon and I have proof engine blew from the attorney general XXXX XXXX of the state of Florida. This account needs to be removed ASAP over the 7 year mark. Account # XXXX This information is only to be used to remove this zombie debt from my 3 credit reports and is not to be used for inside arm debt collectors.

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 2020-05-09 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting INCORRECT information. This account is PAST the 7 year mark to be removed from my 3 credit reports. My last payment with PROOF was on XXXX XXXX  2014! in the amount of {$330.00} The car was a lemon and I have proof engine blew from the attorney general XXXX XXXX of the state of Florida. This account needs to be removed ASAP over the 7 year mark. Account # XXXX  This information is only to be used to remove this zombie debt from my 3 credit reports and is not to be used for inside arm debt collectors.

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 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting INCORRECT information. This account is PAST the 7 year mark to be removed from my 3 credit reports. My last payment with PROOF was on XXXX XXXX  2014! in the amount of {$330.00} The car was a lemon and I have proof engine blew from the attorney general XXXX XXXX of the state of Florida. This account needs to be removed ASAP over the 7 year mark. Account # XXXX This information is only to be used to remove this zombie debt from my 3 credit reports and is not to be used for inside arm debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: TX

Complaint narrative:
XX/XX/2019 ARstrat trying to collect the debt not mine. With a initial dispute, explained the debt is not mine and ARstrat responded that the information is accurate. Debt is belong to a minor of friend who visited my town. Debtor is not related to me or family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have repeatedly contacted NCA asking them to remove inaccurate information negligently placed on my credit report. NCA has been recalcitrant. This is unlawful and NCA should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I ordered a pair of pants online on XXXX XXXX2020 from an online fashion account on XXXX  (XXXX ). I sent him a Paypal payment of XXXX CAD. He claimed that the production of the pants would only take a week or two and that shipping to XXXX would only take 2 weeks at most. I messaged " XXXX '' multiple times over the course of a month asking him for updates on shipping and begging for tracking numbers. Sometimes he would respond and say he would get it done later that week but eventually he would not respond to me for days and then try to tell me he would get it done next week. Its been over a month and he has yet to send me a tracking number or even a picture of the pair of pants that I ordered. Really frustrated with this guy and I'm sick of him playing these games with me and always pushing back these dates. Last time I got a message from him was Thursday after he promised to send out my package on Wednesday .... would be happy to provide screenshots of messages between me and him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, I had a custodian ban of america account for my child. Without my notice and attention they had started taking XXXX  $ every month from XX/XX/2019. Previous to that for past few years they never charged any monthly maintenance fees. 

This action by BOFA is tantamount to cheating. When the account was opened they never told us there will be an fee for an custodian account. 


Thanks, 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 monetary relief
Consumer complaint received 2020-05-09 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: PA

Complaint narrative:
I opened an account with capital one XXXX of 2019. Payment was due the XXXX of each month. Ive made payments on the XXXX with the exception of XXXX ( due to covid ). Im struggling to make the min payment but still have done so. Apparently the payment is showing as past the deadline on there end. They have changed me late fees for every single month even though I made payment on XXXX. I would like to have the late fees waived so I can make payment. Moving forward I have no issue making payment on the XXXX to avoid the XXXX  policy that they Have. They have refused to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE ADDRESS THATS ON MY CREDIT REPORT THATS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was fraud on my bank account. Someone used my card for 4 charges, 3 small charges for XXXX totalling {$73.00} and a large XXXX charge for {$2000.00}. I did not make any of these charges. The bank also charged numerous overdraft fees @ {$36.00} each. I filed a claim and the claim was denied in all charges after an 8 day investigation. I did not make any of these charges, the charges immediately issued created a bank fraud hold and the bank approved the {$2000.00} charge while I only had around {$1000.00} in my account leaving me a negative balance of {$1200.00} - this charge should never have gone through or been approved. The bank has not protected my money, they offered to do a 45 day appeal investigation. I have banked with them for 25 years and never had a fraud issue but yet these claims were denied?

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 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX Discover closed my account which I had since XXXX with not even one derogatory remark and with a credit limit of {$18000.00}. When I called the company they claimed it was closed due to inactivity even though I explained that I use it to make large purchases and that it hasn't even been a year since the last time I used it. They explain that I would have to apply again and lose my credit history since XXXX. It is unfair that they would do this without even notifying me first. Now my credit score dropped due to my credit utilization increasing after losing this credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE ADDRESS THATS ON MY CREDIT REPORT THATS DOES NOT BELONG TO 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