vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Was sick with XXXX, Capital one called me to put me on deferred payment plan. Then they called a few weeks later demanding payment and said my deferment was not completed, so I consented a 2nd time to a deferment plan. They still contacted me demanding payment and never put me on deferrment, Now ever since XX/XX/XXXX they call me on average 5 to 8 times a day, from various different numbers, a total of 199 times thus far with over 40 voicemails and I block all the numbers and they keep calling from different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
My loan was PAID IN FULL on XX/XX/2020. On XXXX I placed my FIRST phone call to LoanCare to find out why I haven't received any kind of written acknowledgment my loan ( XXXX XXXX XXXX ) was paid in full, WHY they haven't reported the paid status to the credit reporting bureau and WHY they haven't reconveyed my loan of record. Spoke to " XXXX '' @ XXXX XXXX PST. Basically got run around and was transferred to an 'off-shore ' service center. Got BIGGER run-around from " XXXX '' claimed a letter was sent, asked her to verify where, she gave me my address without a Unit number. I corrected her - she got snotty & instead of transferring me, disconnected me. On XXXX I placed by SECOND call, was disconnected 3 times before calling a different number to the wrong department & had them transfer me. Spoke with " XXXX '' @ XXXX XXXX PST. Told her I STILL haven't received any written notification of my loan being paid, the reconveyance was STILL not of record & my Credit Score was being impacted because they STILL didn't bother to report the paid in full status to the credit bureaus. She said a letter was sent to me - gave me address STILL without my unit number. I corrected HER & she said the credit bureaus would be notified, a duplicate letter would be sent & the reconveyance had been sent to record, and nothing in my email either. We are now at XXXX STILL no reconveyance is recorded, no letter has been received, and I have had the latest credit report STILL not showing the loan is paid in full. This company feels they can do whatever they please with no consequences. I am DONE playing with them & think they need to answer to their regulatory agency. By LAW they have 30 days to release a security instrument after payoff.

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 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I applied for a mortgage loan with Fifth Third in XXXX of XXXX. The Mortgage Originator I worked with was XXXX XXXX. My complaint is on how Mr. XXXX unethically and unprofessionally handled my application. 

I provided all the information required to underwrite my loan only to be turned down at the end. The dream house that I wanted to purchase is now at risk of being sold.. I provided him all that was needed for a pre-qualification so that I can pursue the purchase of my home. He requested that I increase my down payment to ensure approval. After listening to everything, he said I received a pre-qualification letter dated XX/XX/2020. This letter made me believe that I was able to move forward with contacting my real estate agent to finalize my purchase of the home. 

I understand banks have varying degrees of requirements. However, XXXX unprofessionally handled my file, which led to the denial of my mortgage application. During the loan process, XXXX, for some odd reason, reviewed my sister 's account and commented to I should use her funds to purchase the house instead of trying to obtain a loan through Fifth Third. He was not given permission to review my sisters account. Also, his comment made me think that he was aware of my denial before getting the final decision by underwriting. Why was I given the pre-qualification letter and why during the process did you make me feel that approval of my loan was assured. His delver of my denial was very unprofessional and predatory. 

I have additional concerns of the handling of my private information that I would like to discuss with someone. I can be contacted at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened an account with Amazon in the month of XXXX of XXXX, I made some purchases online. In the month of XXXX I received the Amazon credit card. I tried registering the card via internet so that I could see my bill and pay it off and was not successful. I called the credit card company which is Chase and with there help.I was able to access the account. Once I opened the account I noticed that some charges on the account were not mine and I called customer service with Chase and reported the incident. I was asked if I had use the new card at all. My response was that I had just received the card in the mail and had just set it up. I was then told that the charges would be taken of the credit card and there would be an investigation and that they would get back to me and was also instructed to destroy the card and that they would send a new a card. In XX/XX/XXXX of XXXX  I get a new statement bill from Chase for the amount of {$360.00} and I called customer service again and after a 2 hr wait of transfers from customer service to the Fraud dept I was told that they were re-billing me because the chip could not be duplicated and that the expenses were mine, I asked to speak with a supervisor and was told that someone from the Fraud dept would call me back. In XX/XX/XXXX of XXXX  I got a call from a woman in the fraud dept and after explaining the situation to her she said again that they would investigate the situation again and tasking her to please send me a letter in the mail and not via internet since I have not been able to log in since I last paid my bill and no one has help me to reinstate in the system and up until now I still have no access in the system and I am still waiting for the letter of decision that she promised I would get. XX/XX/XXXX I get another statement from Chase via internet for the amount of {$390.00}. I called Chase cc services again and after 1hr 45 min I got transferred to the Fraud dept again and was able to speak with a supervisor name XXXX. XXXX promised to investigate and call me back either the same day or next day. I got a call on XX/XX/2020 from XXXX and again he said that I was responsible for the bill and that if I wanted to have the company appeal the case he offered to give me information on the charges to one of the companies that were charged in person and do my own investigation and resubmit to Chase so that they can reconsider my case. I have paid chase for the expenses that I made through Amazon and I will not pay for what is not mine. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
NewRez/Shellpoint Mortgage took over my loan in XX/XX/2019 from bankrupt XXXX. They claim missing payments for either XXXX / XXXX, reporting me as delinquent even after I submitted proofs of payment during the transition months of XXXX, XXXX and XXXX. I reported them to the XXXX XXXX XXXX, but they insist I'm defaulting even after I submitted another six months of payment details. I called the company again, leaving a message but have not heard back. I need help, please!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
Hello, In XXXX of XXXX, I wsa laid off due to COVID-19 epidemic. I called in to Homebridge Financial and was placed on a forbearance due to what occurred. In XX/XX/XXXX, I called back in to Homebridge in  order to see what my options were to catch up on my mortgage as i found employment again, I was told to the forbearance would be extended until end of XXXX so I can have time to get some paystubs in for review. In XXXX, I called in multiple times and was told just to send in financial documents to be reviewed for options. Also in XXXX, i read online that FHA had a program that specifically helped homeowners who were affected by COVID. This program is called a partial claim. I was not informed by anyone at the company, only from someone I knew and because I looked at the program online. I have called multiple times in the month of XXXX and the only thing I was informed of was a modification review when I asked about assistance. I finally got a hold of a young man on XX/XX/XXXX with whom I had to ask about the partial claim and he took his time and helped to submit this for me. He specifically said to me the review would take 3-5 business days and I would get a letter in the mail. 

I have called two more times to the company and no one seems to know what is going on. I asked about the review and I have been told different time frames each time and that the department is backed up and give them more time. i even spoke with a young lady on XX/XX/XXXX and asked about the review. I told her my main concern is that the forbearance is ending and I still don't know what the next steps are. She told me not to worry and it was going to be okay. 

My biggest concern here is the lack of knowledge by each representative that I have spoken to. The timeline before the forbearance is ending is being cut each day and we don't have an answer. I have no faith in this process as no one knows what the other person says or what is going on. There is no consistency. I don't even have a single point of contact to speak with in order to know what all my options are. I would like a clear understanding of what is going on and what are my options in order to try and stay in my home. The level of service I have experienced with Homebridge has been horrible.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 14. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 15. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 16. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 17. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 18. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I purchased tickets on XXXX XXXX in XX/XX/XXXX for a flight in XX/XX/XXXX, for $ XXXX. 

XXXX XXXX cancelled my flight in XX/XX/XXXX. 

XXXX XXXX refused to refund my money, and instead offered me a worthless credit on their worthless airline. 

I initiated a complaint with Bank of America. Bank of America conditionally refunded my money ( see attached document highlighting their conditional credit ), but then when XXXX XXXX responded with granting me a worthless credit on their worthless airline, Bank of America decided that was good enough for them, even though it was clearly not what I purchased! If I wanted a credit on XXXX XXXX, I would have purchased a credit on XXXX XXXX. Instead, I purchased a flight on XXXX XXXX, but all I got was a worthless credit on their worthless airline. 

Bank of America refused to refund my money, stating that I could not receive a refund if the merchant had offered me a worthless credit on their worthless airline. Instead of siding with me as the customer, they sided with the merchant, who obviously had failed to deliver the purchased service. 

US Law requires that flights to or from the US must be refunded if the flight is cancelled. 

I demanded my money back from Bank of America. They refused. 

I need my money back!

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 2020-07-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX, XXXX, XXXX of XXXX, i filed a dispute with Equifax about the unverified accounts : XXXX XXXX XXXX accounts numbers XXXX, XXXX, XXXX and XXXX XXXX XXXX account # XXXX. In those three months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today XX/XX/2020. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CapitatOne sent me a quick respond and closed out my case. They lied and pretend as if they are not aware of what my original complaints where. 

They refuse to remove the Hard inquire from all three credit bureau and that is ultimately what I needed them to do. I don't even care about increasing my credit with them because I will be closing that account. I refuse to do business with thieves and liars. 

CapitalOne is still being fraudulent in their dealings with customers. In the letter sent back to me my credit score was incorrect per their own platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In XX/XX/2020 TransUnion provided XXXX XXXX XXXX. a credit report. My report is sealed and I did not consent to the disclosure.

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 2020-07-24 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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX  Inquiry Date :XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 14. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 15. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-Unauthorized inquiry by Identity Theft 16. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 17. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 18. Company Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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