vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: ND

Complaint narrative:
I have contacted my mortgage company numerous times since my closing date in XXXX. My escrow has been over inflated since the day of closing. I have sent in documentation of tax estimates multiple times and continue to be told they 'lost ' them or can not find them at the time I call to follow up. I have been promised that a new analysis would be done and my overage returned on two separate occasions. Now, my yearly taxes have been paid and there is an over {$4000.00} overage in my account and the bank is refusing to complete an escrow analysis. I have been calling repeatedly about this issue and continue to be promised an escrow analysis will be completed, but one is never done -- or at least I have never received anything in writing. I called again today and they are refusing to honor the previous promises that the analysis would be completed as soon as the taxes are actually paid and insisting on delaying another month into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The XXXX XXXX loan trade line on my Transunion credit report needs to be removed from my credit report. It is an illegal loan in the state that I reside in ( Indiana ). The XXXX   XXXX XXXX is not a licensed consumer loan, small loan, or payday loan lender thru the Indiana Department of Financial Institutions. Any loan that is originated in the state of Indiana without the proper Indiana loan license are to be considered null and void, and as a result, are uncollectable. 

I have attached the Cease and Desist Letter that the Indiana State of Indiana Department of Financial Institutions has posted on their public website XXXX. I have also attached the list of the 30 licensed small loan lenders for the state of Indiana that shows XXXX XXXX XXXX does not have a license to lend in Indiana. 
Please remove the trade line on my credit report from XXXX 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 2019-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal decided to put a limitation on my account on XX/XX/2018. I was told after a review of some transactions, my money would be usable and I would be able to continue doing business with PayPal. I immediately complied to their requests and provided all available documentation for the transactions as recommended. I receieved no word for over a week. I called their offices to determine the status of my document processing, which I was told it had not even started yet! I did not realize a phone call had to be made to submit a form online. I was told I would have to wait an additional week to have a representative review my case. One week later. No reply. I followed up once again and was told it would be no later than 1 business day. 4 more days later, I was told I would no longer have access to my funds for 180 days. I am a XXXX XXXX and PayPal has provided no information to me as a user as to why I am not allowed to access my money or send funds to others. I am looking to resolve this by being able to withdraw the {$500.00} balance that is held in my account for up to 180 days since PayPal ( the firm ) is unwilling to extend their business with myself further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
They sent me an email stating that my credit score has dropped to XXXX  so they closed my account and I do not owe them anything, however, they have been calling me requesting payment every day.

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 2019-01-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I am attempting to review and dispute information on my Experian credit report which I am unable to do because their website is not working and has not been working for several weeks.I have experienced assault and damage to my credit report as a result of attending an XXXX XXXX XXXX XXXX XXXX   where I obtained a XXXX  GPA in the last semester I attended.One of the harassing messages I received online was a question asking me if I wanted to play XXXX XXXX. I also was told in XXXX  that they have Experian there too just like the USA while exploring possibly moving there while on vacation.The Experian representative told me that they can not give me access to my online account for a dispute even though their website does give an option to downgrade the account. The representative said I would have to provide a credit card that he worked in the membership department and that Experian does not have a technical support department to address issues with the online account.This is possibly preventing me from obtaining the best financial products I am eligible for as my reports on XXXX and XXXX  where inaccurate upon review within the past few weeks.

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 2019-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Hi I've contacted NMAC regarding my payment. I've made them aware of the government shutdown effect and have not worked for the past 3 almost 4 weeks. I paid the amount owed for XX/XX/XXXX but somehow hasn't gone through because I haven't received any payments since XX/XX/XXXX. I asked if anything can be forgive being the government shutdown. They mentioned they do not participate in the shutdown and needed to make a payment immediately. I asked if 30 days could be waived because this will effect my credit tremendously, they told the arent able to waive anything and a supervisor told me to contact the three credit bureaus. I contacted all three and they told me it's the creditor obligation to update not the credit bureau. I just want to have some sort of leverage as I've and 800k workers have been effected for this silly shutdown. I would like if they can allow at least an 30 day waiver for XX/XX/XXXX. I will set up automatic payments moving forward. I am desperate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
This is now my third official complaint against Navient about bad business practices, allocation mistakes, and ignoring allocation directions. Whomever Navient is paid up with for protection or has bribed at CFPB, they are getting their moneys worth.

Outright, this company, Navient is shady. Every student loan statement comes with printed directions for allocating payments differently to include written instructions. " You have the option to instruct us to allocate payments differently or to not advance your due date. ... Clearly write your instructions on a separate piece of paper included with your check. '' I did so by dating a letter and mailing a large payment ( {$6800.00} ) on approximately XX/XX/XXXX. This amount was intended to pay off close to 99 % of the entire student loan debt so I could be rid of this terrible loan service company after getting extremely tired of all the printed statement confusion throughout XX/XX/XXXX and other on-going issues. The payment cleared on XX/XX/XXXX. The  allocation instructions were not followed, again. On XX/XX/XXXX at approximately XXXX, Navient customer service agent XXXX confirmed that they had indeed received the allocation instructions letter with the XXXX payment, and that is all I needed to know given previous experiences with this company. The most important takeaway I have from my experiences with Navient is that they blatantly choose to ignore written instructions pertaining to allocation. Any apologies or responses in regards to complaints are simply fluff. They do not follow written instructions, this fact can not be emphasized enough ; Navient should be penalized in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Illegally holding my funds for 180 days (6 months). 
Total amount is $XXXX. Contacted multiple times and never got a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I contacted BMW Financial Services about the late reporting on my credit report. The representative was nice, he let me know that the late is going to removed if I wrote in a letter explaining my situation and he did let me know that i do have the assistance on my file. He said he was going to help me. I ' am a disaster victim and I had the disaster assistance on my account. I had the late reporting with BMW on XX/XX/2018. After the investigation was over BMW Financial Services did nothing for me I called spoke to a supervisor her name was XXXX, She said they wont do anything, because they don't care about the circumstances that I was in. This is extremely upsetting and I'm very disappointed of the out come .I had to do what was safe for my family and evacuate from the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
My complaint is how an insurance claim is not being handled in a professional or perhaps ethical way. I filed a claim in XXXX for a broken pipe, the insurance company sent a 3rd party adjuster and a check made out to me and Freedom Mortgage for {$10000.00} ( copy of check attached ) the ins comp said to mail the check to Freedom who will endorse the check and return to me. I followed up with Freedom who said they would not release the check to me, until I sent them several documents. 1 ) Adjuster Claim, 2 ) Contractor signed estimate signed by me and contractor 3 ) signed contractor paid receipt for Monies already paid to the tune of {$6000.00}, 4 ) Signed Lien or mechanics lien 5 ) XXXX  for contractor 6 ) letter requesting reimbursement of funds 7 ) copy of contractors License. After several days of follow-up they claimed they didn't receive the documents I sent them all again in one shot. I have attached all the documents listed above to this complaint so you can review also. They also said they would only send me 25 % of the {$10000.00}. The insurance company were insisting I do work on the house before anymore damage was done, I couldn't wait for Freedom to send the check, so I used my mortgage money payment to pay the contractor to do some of the initial clean up and preparation, and as a deposit. ( attached receipt ) I told them, if they are concerned, because now I am in default, they can keep {$5300.00} and send me the difference, that would cover 2 months mortgage payments, they refused ( all documented attached ) I need help getting my money, I am falling behind on my mortgage payments and I think they are doing this on purpose to force me into foreclosure. Please help.

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 2019-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was charged interest of {$22.00} on an item I did not have possession of. The purchase was made XX/XX/XXXX for a refrigerator in the amount of {$960.00}. It was supposed to be delivered on XX/XX/XXXX. I went to Home Depot and cancelled the order on XX/XX/XXXX. My statement shows I received a credit of {$950.00} ( don't know why {$10.00} difference, but that's not the problem ). It also shows an interest charge of {$22.00} on XX/XX/XXXX for the refrigerator I NEVER HAD POSSESSION of. This is continuing the rip off by Home Depot of what they describe as " practices complying with all applicable laws ''. No wonder they push for paperless statements. 
I recently filed complaint XXXX against Home Depot 's 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 monetary relief
Consumer complaint received 2019-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
They sent me an email stating that my credit score has  dropped to XXXX so they closed my account and I do not owe them anything, however, they have been calling me requesting payment every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: Scott Fetzer Financial Group Inc.
State: MA

Complaint narrative:
They sent me an email stating that my credit score has dropped to XXXX so they closed my account and I do not owe them anything, however, they have been calling me requesting payment every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I mailed a copy of the receipt via certified mail to both XXXX/JCPENNEY. The account was paid in full in side a local JCPenney store on XX/XX/XXXX. The company sold the account to a collection agency in XX/XX/XXXX and put it on my credit report as a charge off account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT ( DSNB AMERICAN EXPRESS ) IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT, I DID NOT MAKE OR APPROVE OF THIS TRANSACTION. THIS HAPPENED BECAUSE OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My wife, XXXX XXXX ( XXXX ) has a student loan account with Navient ( about $ 30K ) which was reported on my credit report ( XXXX ) as 150 days late as of XX/XX/XXXX. There was 1 missed payment ( XX/XX/XXXX payed XX/XX/XXXX along with XX/XX/XXXX payment. XX/XX/XXXX. Here is my wifes letter : they agreed wityh account status - did not mention it was reported under mu SS # " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX  Dear Administrator : Today I spoke with XXXX  counselor, XXXX ID # XXXX, re : a 120 day nonpayment report sent in to Credit companies including XXXX.

XXXX at XXXX researched my school loan information and denied XXXX   sending such report ; saying that my account is paid up as of today. There was 1 late payment from XXXX, but there has never been a 120 day period of no payments.

This message from XXXX  resulted in my credit score dropping below 600. The XXXX counselor, XXXX, instructed me to write this letter to give all credit reporting companies permission to look into this error.

My Student loan information is the following : Acct # XXXX   Name on account : XXXX XXXX Loan IDs : XXXX   XXXX XXXX  I give you permission to look into this false report against my credit record sent in by XXXX. You may reach me at ( XXXX  ) XXXX or XXXX if you have any questions.

I will be monitoring your progress and look forward to getting this issue resolved. '' Thanks

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 2019-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC
State: WA

Complaint narrative:
XXXX from American Coradi international ( http : //www.americancoradiusinternational.com/ ) contacted me numerous times : XX/XX/XXXX at XXXX XXXX PST, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX and XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and today XX/XX/XXXX at XXXX XXXX. 

Even though he has my address, he has refused to send anything to me or negotiate with me. I have reported his unprofessional behavior to XXXX who hired this collection agency and they are investigating. 


My credit score has dropped a lot because of American Coradi 's tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a letter to dispute the error on my credit report on XX/XX/18. The credit agency is Transunion credit collection agency.  The agency never answered the letter and by law they have to remove the error from my report.

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 2019-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: D2 Management LLC
State: CA

Complaint narrative:
On XX/XX/2019, D2 Management called my work phone. The woman that I spoke with was deliberately rude.  After disconnecting the call I called the company back and asked that they no longer contact my work phone. They man that I spoke with refused to document my request unless I give my social security number, which I informed him I am not comfortable disclosing over the phone.  After speaking with multiple people and being transferred multiple times (while each person refused to honor my request), I asked for the company address to send a certified letter. The "supervisor" that I spoke with told me "this is a two-way street, if you want something you have to give me something. I need you to verify this information". I again told her I am not comfortable disclosing that information over the phone and again asked for the address so that I could send a certified letter and request that they not contact me at work.  Again the woman refused. I had to search the internet to find the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2018 I made a purchase on XXXX XXXX XXXXs website with my Barclays credit card. The amount of the purchase was $XXXX for a shirt and pants. The item did not fit and it was returned to the seller. On waiting on my refund from XXXX XXXX XXXX they emailed me and said that they couldn’t issue me a refund because it didn’t comply with their return policy by assuming that the item was worn. They re-shipped the item to me but I refused the package because I know the item was never worn! I contacted XXXX XXXX XXXX and ensured them that the product was returned exactly how I received it and I proceeded to file a claim with Barclays Card services. On filing a claim with Barclays after about a month I received a letter from Barclays stating that XXXX XXXX XXXX said I never contacted them which was not true and the over all reason for the decision to not go in my favor was stated that “the primary has no proof the sizes ordered differed from the size that was received” which was far from the truth of why XXXX XXXX XXXX first contacted me. I re-opened the case and submitted the necessary evidence and documents showing that XXXX XXXX XXXX submitted untrue information. I hadn’t heard from Barclays so I contacted them about a month after. They informed me that the case still did not go in my favor because they cannot override the policy of the seller. Barclays said they would send me a letter and I’ve been waiting for it almost 2 months now. This is a completely unfair decision. XXXX XXXX XXXX still has the merchandise in their possession, in addition to the charged amount of $XXXX. Barclays has left the charges on my card and it has been accumulating interest! They have submitted zero evidence that the item was sent back worn except for XXXX XXXX XXXX saying that. I submitted evidence stating that the company has lied and they still made the decision in XXXX XXXX XXXX favor. I would think my card company would try their best to get me my reimbursement, instead they were very negligent and unfair in dealing with this matter. They have failed me as a long term customer and this matter needs to be rectified 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