vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ovation Financial Services, LLC
State: TX

Complaint narrative:
My Mother Passed XX/XX/2018 not knowing all of her affairs right away, the grief was overwhelming being an only child. when I was able to think and function I realized there was a loan on the House. I immediately contacted Ovation loans to get the ball rolling to have the loan transferred to my name. By XX/XX/2018 I had emailed them all the paper work they requested along with my check stubs and her death certificate and the documents they asked that I fill out.

To this date they have did nothing to have the loan transferred to me, I emailed them several time for the status of my case but they just keep asking for the same information nice that I've already sent. sometime in XX/XX/XXXX or XX/XX/XXXX my Uncle and I called to pay the loan off in full they refused to give us a payoff and wanted to add more fees and interest to the pay off, so intern we just paid XXXX in which they took half XXXX for interest XXXX for other fees and gave me only XXXX towards the principal. With no regard for the loss of my mother they have stalled to make the interest and other fees go up and to make it harder for me to catch up and maintain this loan. because of their neglect on processing my paperwork and request I owe much more than I would have had they efficiently processed my request in a timely manner and considered the fact that my only delay was having to bury my mother and learning of her affairs. In the process I had the deed transferred into my name. Now all of a sudden they have their legal dept calling me, I guess to threaten me. when I diligently made a genuine effort to take care of this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I tried to purchase concert tickets through someone I met on social media ( XXXX user @ XXXX, email addresses XXXX, XXXX, XXXX, XXXX ) on XX/XX/2019. She made everything seem very valid, and I sent her 2 transactions of {$200.00} each ( {$400.00} in total ) through XXXX and Bank of America after XXXX failed to send transactions for no valid reason. She of course turned out to be a scam. This person disappeared and blocked my social media account. I called Bank of America on XX/XX/XXXX to see if they could come up with a solution, and the most they could do was open up an investigation since XXXX has no fraud protection. The only way I would get my money back is if the perpetrator agrees to release the funds from their account to give my money back, but the odds of that happening are clearly slim. I've requested the funds on XXXX  again to give them a chance before getting more serious with this issue, and of course, this person declined to return my money. I would really appreciate any help I can get.

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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had an account with Macys back in 1991 individual credit card that my wy somehow was able to put a name joint with with mine account that I dont know about or without my authorization and she closed it. 
It was my most valuable member card too. 
After that she divorced me left me with nothing to go about my daily life. 

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 explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XX/XX/2017 someone living in XXXX opened a credit one card for {$400.00} using my social security number. I do not nor have I ever lived in XXXX. Credit one bank has the email and ip address of the person who opened it neither belong to me. They have since sold the account to XXXX XXXX XXXX. I tried to dispute this online because I thought anyone who looked into it would see that I have multiple credit cards that are always paid on time with much higher limits. Also I have never lived in XXXX. Now there is 2 negative accounts on my credit report. Credit one for {$400.00}, and Midland funding for {$830.00} that are both the result of identity theft. I have filed a police report that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Kansas, Inc.
State: KS

Complaint narrative:
I had a ticket that was issued back in XX/XX/XXXX from XXXX XXXX court for the amount of {$1600.00} it went unpaid so the court sold my debt to a collection agency who happens to be XXXX XXXX XXXX. He and his company has been garnishing my checks even taking my state income tax return in XX/XX/XXXX {$820.00}, and XX/XX/XXXX {$330.00}. He has taken well over the ticket amount which was XXXX. I have wrote letters/emails to him and also contacted my employer and it won't stop nor will the company speak with me. The company will not give a reason why they have taken over 3,000.00 and the ticket was only XXXX. I called XXXX XXXX and was told that the ticket has yet to be paid off. This company has taken over 3,000.00 and counting from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TX

Complaint narrative:
RE : USDirect Express and Comerica Bank On XX/XX/2019 at XXXX XXXX I noticed fraudulent ATM withdrawals on my online account of over {$1400.00}. I had my card in my hands and I was at home during these ATM posts. So the card had been duplicated. I called my bank and reported the fraudulent activity. 2 hours later at the end of my call the employee stated I would receive the stolen funds within two days but at the latest by XX/XX/XXXX if I got the proper documents to her that day. 20 minutes later my attorney faxed all the papers and received fax confirmation. I called XX/XX/XXXX after still having no funds to live off of and hours later was told they had ten business days by a very rude employee. My attorney has faxed two more letters along with information and again had fax confirmation as wells as mailed via USPS. It is now XX/XX/XXXX, I am facing eviction because my money was stolen and the bank is not doing their job or standing by their Liability. My attorney has been trying to call them for days and it says " we are experiencing high call volume '' then hangs up. I am a XXXX XXXX  man with no way to feed my family or provide for them and this banking company is not standing by their publications that states " it will be reimbursed within 10 days. '' I have received no documents, emails or phone calls from this bank and its almost impossible to speak to an employee. This company should not be allowed to process any of the federal government 's funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a hard inquiry from a company I dont recognize on my credit report and it is affecting my score negatively.

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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have called the company on the XX/XX/XXXX to add my phone number on my credit file and they have not. I called today and they keep telling me I have send a request in the mail but my number shows up on there system but not on my report. I want this fixed cause I can not complete my car finance.

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 2019-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
Approximately 6 years ago I took out a loan of {$200.00} form XXXX XXXX XXXX. At the time I did not realize that this type of loan was predatory and illegal in the State of New Jersey. I paid back the initial amount owed and thought that was the end of it. XXXX XXXX XXXX discontinued the deductions from my account.

Now 6 years later after not receiving any type of written documentation stating that I owe this company money, they have put a judgment on my credit for an amount that I do not owe, and it has negatively effected my credit score.

This tactic by XXXX XXXX XXXX is illegal, and I deserve to have this negative information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is reporting incorrectly a charge-off on the XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) After speaking with a representative from XXXX XXXX, they still have my account at their office and this account has not been sold. I received a telephone call from a person named XXXX and the company that contacted me is - ICR. The telephone number is XXXX ext XXXX. This person XXXX claimed that the Build Card had been sold to their company XXXX - for collection and that I was to make a payment directly to them ( XXXX ) immediately or I would be served and then sued with wage garnishment. This is clearly a scam and for me to threatened with garnishment is unacceptable. This incorrect reporting of a charge-off is harming my XXXX XXXX and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I noticed that moneylion had not been deducting the payments I had set up with them. I navigated their site and I couldn't find a payment portal, so I emailed them 4 times and I tried calling to no avail. ( this is a common complain that can be found online with other customers as well ). The hold time on the phone is long and then an operator comes on and says they're busy and tells you to call back later. I also emailed them requesting that they deduct the balance due from my bank account. I emailed them a total of four times. Also, I had my payments setup for automatic deduction, why did it stop? Yesterday, XX/XX/19 I I recieved an online notification that my Moneylion account is delinquent. This is very frustrating. Moneylion also went back and changed my payment history, all the way to XXXX, as delinquent. Although they had been automatically deducing payments from my account. Then in XXXX, for some odd reason, they stopped. They haven't returned any of my emails to rectify this situation. I am requesting that someone from Moneylion get in contact with me so I can pay my balance off and also Moneylion should correct my account to the credit bureaus as not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My American Express credit card statement for XX/XX/2019 included a charge of {$2700.00} from XXXX XXXX for a flight I did not book or take. I reported this to American Express and they set up a fraud claim, credited my account and replaced my credit card. That should have been the end of it, but I recently have received a letter from American Express saying that they are reversing this determination because " According to documented company records, you provided your account number to a Service Establishment '' and " By doing so, you are giving them permission to charge your account. '' The letter stated " If you wish to pursue this matter further, you should contact the merchant directly '' which of course I have done. The American Express response means that if there is a fraud involving any merchant with whom I have done business using my credit card, I have no protection. This seems crazy. I have talked to the XXXX XXXX fraud office but have received nothing in writing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Commenity capital bank has repeatedly contacted my work and family members who are not involved and talked about private information with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX is showing that I owe a balance of {$1900.00} which is incorrect. This balance is not valid and there should be a XXXX  balance on this account. There is no possible way this balance is correct or owed to XXXX due to I switched carriers and bills were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: FL

Complaint narrative:
XXXX XXXX XXXX reported that I paid my car loan late in XX/XX/2018 which is inaccurate. XXXX XXXX XXXX offered its customers Disaster relief for the Hurricane and I was granted relief. I made my payment on the date they informed me to start paying my loan again and they incorrectly reported me for late payment to the 3 credit bureaus. I want this removed immediately.

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 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 we were shopping around to refinance our home’s interest rate.  Every financial institution was in the 3% range.  We came across XXXX XXXX and noticed XXXX  so we thought we would give them a try. The representative started asking the typical financial questions.  However, he was confusing us on asking for our SS# several times, even after he had ran our credit report and even stated our scores. The representative told us we are clear and have great credit scores.  He then asked for a XXXX deposit and said we would receive it back at the close of the transaction.  We gave him our credit card information and he processed the XXXX.  We trusted XXXX, considering they were connected to XXXX XXXXOn XX/XX/2019(the next day) his manager asked us again for our SS# stating “we gave them the wrong SS#.” So we started getting nervous but reluctantly gave the SS# again. The same day but later after the manager contacted us.  The representative emailed and stated “I haven’t heard from you in a couple of days.”  I told the representative that we just spoke with his manager and we spoke with him yesterday.  I also told him, I don’t have the time to respond to so many emails.  I told him to just send me an email stating what he needs.  He sent me an email with a screen shot of my credit report, asking me to write a letter of explanation of inquiries.  Problem is, besides our cell phones, the inquiries were all XXXX, which seemed confusing.At this point, we really started getting nervous, so we searched the internet and discovered XXXX   has a pattern of collecting XXXX base on some frivolous interest rate (2.375%).  XXXX  So I asked the rep for our money back.  The manager sent an email with an attachment stating “you signed this.”  The attachment was XXXX policy stating “NO REFUNDS.” The document had no signatures. We explained, we never saw this document.  Also, the rep did not make us aware of the “NO REFUND” policy when he asked for the XXXX.  I asked the manager to send me a copy of this document with our signatures, he stated “it was signed electronically.”  He never sent the electronic signed version.  I expressed to the manager that the interest rate could not be found at any finical institution we contacted.  He stated “what are you upset we are the lowest.” I said, I just want a refund. He stated no refunds.  I have all of the email exchanges, which will need to be redacted.

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 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Mortgage lender adjusted estimated amount needed for escrow-did not provide one-time payment option. Mortgage lender did not timely process the request for escrow removal from the account. Mortgage lender then treated timely auto-payment as insufficient and did not apply to principle and interest of loan. Despite having been contacted via telephone by borrower claimed payment received over 30-days late to credit agency.

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 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HOVG, LLC
State: TX

Complaint narrative:
XX/XX/2019 payment made : XXXX XX/XX/2019 payment made : XXXX Account was paid in full. 
Bay Area Credit reported me to my credit report after I paid the account in full which has negatively impacted my credit. I received no communication ( phone or written ) on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
2 auto insurance agencies, XXXX and XXXX XXXX turned over or were purchased by CCS ( Credit Collection Services ) who then turned these over to credit reporting. I have requested validation because they have been paid in full, I do not owe and Insurance does not extend credit therefore it is impossible to acquire debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: KY

Complaint narrative:
After doing several disputes with XXXX and Phoenix Financial. I am still not getting the investigation that I asked for. By XXXX  not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to XXXX  and the Creditor asking for validation. The information was completely ignored from creditor Phoenix Financial. Both failed to do an investigation before reporting false information. Phoenix Financial failed to respond several letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Most importantly, I am not debating or concerned about the denial. 

I called TD Auto Finance to get some clarification about terms used within their letter. They refused and directed me to a third party who had nothing to do with the letter. 

The representative then verified with her supervisor that TD Finance would not be able to discuss the letter with me. 

Contradicting that information is the statement in the letter itself, " If you have any questions regarding this notice you should contact us at the above address TD Auto Finance, XXXX. XXXX XXXX, XXXX XXXX, MI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have received repeated calls from multiple numbers - every day, multiple times a day. They do not speak or leave a message, but traces back to Credence Resource Management - a company I have absolutely no history or ties to, nor do I know of any collections they should be calling about. 

Some of the numbers used : XXXX XXXX XXXX This is invasive and abusive and needs to stop.

Company response to consumer: Closed with explanation