vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I tried buying a designer bag on XXXX and teh buyer promised me that will send the bag as soon as I sent the payment. After I sent the fee of {$350.00} the seller blocked me and dissapear. Since then I havent heard from them. I filed a claim from XXXX XXXX XXXX and they told me that they can retrieve the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
On previous attempts after asking to no longer be contacted they have left vm and called today as well and have continued to harass me after I asked to pick up The vehicle

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 2019-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2019, a XXXX transfer request was sent to an inactive account at TD Bank in the amount of {$1000.00}. The account with TD Bacnk has been inactive since XX/XX/2019 but yet the bank accepted the funds. This account was closed out and restricted in XX/XX/2019 due to fraudulent activity. On the same day, I contacted TD Bank and they informed me that since the account was restricted, it can only accept funds but not transfer it out. I don't understand how can a Financial Institution allow for such transfer of monies to occur on a closed/restricted account. 

I am requesting reimbursement of the monies mentioned above. 

Should you need additional information please feel free to contact me at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 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: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-09-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
we DO NOT want you to send this correspondence to the company that we are complaining about -- Champion/ Nationstar Reverse Mortgage. We do believe we are due damages. Champion/ Nationstar -- erroneous began foreclosure procedures on our  property several times. They also added erroneous and extraneous fees to our bill. We would like to know how we can become a part of the class action lawsuit and take additional options. Please reach us at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express received XXXX with police reports from the XXXX XXXX police department XXXX, XXXX including FTCID Theft reports XXXX, XXXX XXXX XXXX, I highlighted the fraudulent charges on the statements they sent me as instructed and mailed all these documents back to them. They have not follow the law by removing these fraudulent charges as according to the Truth in lending Act nor the Fair Credit Billing Act.  Additionally, their law firm XXXX XXXX XXXX  sent me a letter stating American Express is stating the my fraud claim is invalid which doesn't make any sense whatsoever. They have police reports, FTC ID affidavits and highlighted statements of the fraudulent charges and the merchants transactions. The names and identities of the people who committed these acts are not listed because that information isn't known as my credit cards were taken from my home and my identity was used in many activities without my permission. When I tried to file a police report when I first discovered what was going on my life was threatened repeatedly by several unknown individuals who later were able to break in my home any time at will they wanted and stole many items of my personal property which is on police report XXXX. American Express fails to handle this claim in good faith and keep giving me the run around including sending these debts to XXXX law firm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
CONSUMER # XXXX XX/XX/XXXX my wife reached out on my behalf to file a dispute with LexisNexis to have the NON-VERIFIED information regarding a dismissed bankruptcy that claimed to have taken place XX/XX/XXXX removed for false information. I'm in the process of rebuilding my credit to purchase a home and have a time limit to do so. The time limit for the information to be looked in is 40-60 days. The time is up for LexisNexis 's research and I'm requesting the information to be removed and provide me with an updated status on my LexisNexis report with the information showing " no bankruptcy being reported '' in the NON-VERIFIED section, not verified. Verified section has already been removed and I received documents on XX/XX/XXXX showing this. XX/XX/XXXX, I was told by a LexisNexis representative that the credit reporting department, which can only be reached by LexisNexis employees, is still working on the dispute after the allotted time has passed. LexisNexis has used the the whole time frame to do this and since they're not able to come up with any information proving their claim, they should not get further time to do so. I am crunched for time and should not be hassled nor hindered by false information being reported on their behalf. LexisNexis should let its customers know when disputing reported information that when they receive the updated report showing an item being deleted, that they are in fact portraying false information. It seems like LexisNexis is " blowing smoke '' in a consumers face to make it seem like they've corrected an issue when in reality there's a UN VERIFIED section that has to have a dispute placed in as well. A consumer would only find this out if they're actively watching their credit report and having the credit reporting agencies come back saying LexisNexis has verified the same information they claimed to have removed. Taking more time for the consumer to have the information deleted and putting more inconvenience on them. I've been going back and fourth with this company since XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a complaint regarding the repeated ineffectiveness of the Bill Pay system of Bank of America. This details an incident on XX/XX/XXXX XXXX bank accounts were closed ; however this also shut down the bill pay system, despite the bill pay being linked to an external account that had nothing to do with this. We were charged 2 {$39.00} late fees to two of our accounts. 

This is not the first time this will happened. Previous attempts to speak with the company ( last in XXXX ) would simply result in a individual redirecting us to another phone number -- no more useful than another website. Not once would they ever find anyone with any authority to make changes to the account to settle on the matter. 

They have repeatedly charge late fees since XX/XX/XXXX due to these failures.

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 2019-09-04 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: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
XXXX  and XXXX are reporting a collection account from Conserve that was paid off already. Also XXXX and XXXX  are reporting differrent open dates which they should be all accurate and all be same date.it is highly damaging to my credit report. 
attached is a copy of my credit report and also a statement where I paid conserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex Gold card had a sign up bonus of XXXX membership rewards points after spending {$5000.00} in the first 3 months. Spend requirement was met but Amex did not issue the promised bonus. When contacted Amex lied and said the cardholder had already earned the bonus. When asked to give the date and last 4 digits of the card that earned the bonus for this cardholder, Amex could not. The supervisor also could not come up with a legitimate reason to not issue the bonus yet Amex still did not. Amex also did not state while the card was opened that the cardholder was not eligible for the bonus as they claim they do with others. Any excuse they give should state the date that policy was implemented. Stating something that is policy today but not policy when the card was opened is irrelevant. I hope Amex does the right thing but it seems like Amex has become really shady in issuing bonuses and anyone reading this should consider of card options before rolling the dice with Amex make it seem like they do not care about their customers or their reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank ( operating the Lowe 's credit card ) is forcing me to decide if I want my Lowe 's credit card statement by US Mail or by email, but will not allow me to receive both. 

If I choose to go with the 'online '' bill , are my consumer rights altered? In other words, the US mailed billing statement vs. an online statement are technically not the same thing. So are present consumer protection regulations with regards to credit card account billing specific to requiring that the bill be sent by US Mail? 

And if the latter is true, Synchrony did not disclose this change in my rights ( a reduction in my rights ) in the original email telling me I was going to be switched to paperless billing ( on-line billing ; i.e. a monthly email ). 

So that is complaint # 1. 

I chose to stick with US Mail ( printed bill ). I had to click on a link in the notice, described above. When I did I was taken to another web page where I was told : " [ you ] ... will not have access to your statements online. '' At 29.6 % interest rate on this card, Synchrony can not afford to provide BOTH US Mail and online statements? 

So that is complaint # 2 I attach a copy of the original email notice and a copy of the screen shot from when I opted to continue with paper billing.

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 2019-09-04 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XXXX I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud.   I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from XXXX and XXXX in regards to the accounts showing that they had been removed from my file. I also received letters from each Creditor stating that the Fradulent Accounts would be removed. On XXXX I received results from Equifax stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the accounts when XXXX and XXXX stated that the accounts were REMOVED at the Creditors Request as Fraud. I have since tried to contact Equifax back in regards to the issues I'm having, but I have not been successful. Equifax is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the accounts were Fraudlently opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I recently disputed a charge with PayPal and encountered a few issues with their process. The primary issue is they denied the claim and I take it just simply to appease the merchant since merchant business is most likely more important to them than individual accounts! The other issue ( 2 ) is they provided no explanation and I could not see the sellers response ... Third, ( 3 ), the process started a bit deceiving, I had already tried to work the issue out with the seller but they stopped responding ... I filed the claim with PayPal not expecting them to simply open that dialog back up, it was a waste of time as their position was very clear. 

Now the situation was that had printing done, a tri-fold brochure printed and nothing more fundamental to such a thing than that the folds are correct, which they were not and not even close. I provided first the seller a picture and then PayPal and most anyone should be able to see the folds were not correct. The bottom line is a brochure is a representation of a business and you can't have something so obviously wrong with something that is representative of your business. The worst part is that it could have been easily identified if the seller was at least a little concerned with quality ... I offered that they could have the items returned to them which they refused ... It was just shoddy workmanship and consumers use services like PayPal to protect themselves against this precise situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Multiple inaccurate information is being reported on all three of my credit reports from all three credit reporting companies. Example ; Equifax reports collection amount as {$450.00} and XXXX reports the same account as {$0.00}. I have filed several disputes asking for the information to be removed that is inaccurate. Also there has been no proof of a signed contract for these collections on my credit report. No explanation of how it came back verified. I need to see original documentation from these collection agencies with signed contracts from me or they need to be removed immediately. It is the LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: OK

Complaint narrative:
My purchase of my primary residence with New American Funding has been rescheduled 3 different times. Two of the 3 times happened while at closing. The first one I was informed via email and the second no one called at all. The customer service has been absolutely horrible. The representatives I have worked with lack communication skills and professionalism. I was supposed to close on XXXX. It is XXXX and I still don't have keys. My utilities were transferred, I have had no electricity and no hater and no one seems to care. They will not offer any lender credits or anything else to accommodate for the horrible service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
XXXX XXXX received XXXX with police reports from the XXXX XXXX police department XXXX, XXXX including FTCID Theft reports XXXX, XXXX XXXX XXXX, I highlighted the fraudulent charges on the statements they sent me as instructed and mailed all these documents back to them. They have not follow the law by removing these fraudulent charges as according to the Truth in lending Act nor the Fair Credit Billing Act. Additionally, their law firm Gurstel law firm sent me a letter stating XXXX XXXX is stating the my fraud claim is invalid which doesn't make any sense whatsoever. They have police reports, FTC ID affidavits and highlighted statements of the fraudulent charges and the merchants transactions. The names and identities of the people who committed these acts are not listed because that information isn't known as my credit cards were taken from my home and my identity was used in many activities without my permission. When I tried to file a police report when I first discovered what was going on my life was threatened repeatedly by several unknown individuals who later were able to break in my home any time at will they wanted and stole many items of my personal property which is on police report XXXX. XXXX XXXX fails to handle this claim in good faith and keep giving me the run around including sending these debts to Gurstel law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: MI

Complaint narrative:
I keep receiving calls from various XXXX area codes numbers asking me to call Real Time Resolutions at XXXX, a debt collector. Since I do not have any accounts or bills that are delinquent, no debt collector should be calling me. I have asked them to remove my number and to stop calling me but they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My mortgage company, SLS, did not pay my XXXX county property taxes, despite me paying escrow every month. I was never informed of the nonpayment, and I just found out ( XX/XX/XXXX XXXX on my own accord that I am delinquent and owe {$5100.00} in back taxes ( which is {$680.00} more than the original tax bill of {$4500.00}, because of late penalties ). For background, I purchased the house in XX/XX/XXXX and another company ( XXXX ) originally held the loan. The loan was transferred to SLS, effective XX/XX/XXXX. Taxes were due XX/XX/XXXX. As a side note, SLS did provide me a {$4500.00} " refund '' via U.S. mail in late XX/XX/XXXX ( after SLS had conducted its annual escrow analysis of my account ). However, the only context SLS provided about this refund was that the payment was because of an " escrow overage. '' Again, at the time, they were unaware they had never paid my XXXX taxes. Phone records will show that I called SLS after receiving the check and asked what it was for. I asked the representative two or three times if I owed this money to the government and he said no, the money is yours ... it's just from an overage. To reiterate, at no point did SLS or the representative inform me that the {$4500.00} overage reimbursement was for taxes. When I spoke to SLS a few days ago ( XX/XX/XXXX ), they were surprised to learn they had never paid the taxes from XXXX. They have since paid the back tax bill, covering only the fees. They charged me with the principle, which I now have to pay as an escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Trans Union continues to take my disputes and fail to do a 100 % complete accurate verifiable investigation. They sent a letter stating my dispute was not illegible which is false. The letter was typed and printed out and mailed correctly. The attachment of their delay response is attached.

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