vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I XXXX XXXX purchased XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX on XX/XX/XXXX I used XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX Pa. At closing XXXX was held for school tax for XXXX county PA. 
My original loan company at time of closing was XXXX XXXX XXXX XXXX XXXX these taxes were distributed to the lender from XXXX XXXX XXXX. On XX/XX/XXXX my loan was sold to Loancare these funds were transferred and deposited to Loancare on XX/XX/XXXX XXXX was deposited to predistributed payments account these taxes were due in XX/XX/XXXX and not paid. They are still sitting in Escrow I have never missed a mortgage payment EVER. I pay on time all the time I have contacted this bank over 25 times by call by email I have held for hours I have spoken to supervisors only to be put on hold and hung up on I have never been treated so poorly. I am in danger of loosing my home that I pay on every month I pay my insurance I pay the taxes to them religiously every month. My home will be put up for sale for back taxes that I paid and I can not get anywhere with them no help whatsoever I have all records of the payments and all of the info shows as well on their website and they still will not help me. I have never experience anything like this in my life my account # is XXXX Loancare XXXX XXXX XXXX XXXX XXXX VA  XXXX Please help me they are ruining my life I spend hours trying to correct this since I received the firs tax notice and they will not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/2019 sent AR Resources a letter to validate the debt to show any signed contract with them for services rendered. AR Resources sent back a statement of account saying that I owed XXXX. This is not validating the debt anybody can print out or make a statement of account. No signed contracts or agreements with this company or signed HIPPAA release.I have received a response that clearly violates my rights according to HIPAA. 

AR Resources did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against AR Resources should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IL

Complaint narrative:
MY MOTHER XXXX XXXX XXXX DIED ON XX/XX/XXXX AND MY FATHER ON XX/XX/XXXX, WE ALL HAD ACCOUNTS WITH XXXX XXXX XXXX XXXX IN XX/XX/XXXX. FROM XX/XX/XXXX WAS SOLD TO XXXX XXXX XXXX/XXXX/CITIZENS BANK XX/XX/XXXX. SEE ESTATE INFO AND I AM THE EXECUTORS.

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 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F&M Capital LLC
State: NC

Complaint narrative:
A company called FM Capital and a XXXX XXXX called me saying I had a bad check written out of state under my name and social, which I do not. She threatened legal action and said she had not heard from me after repeated attempts. I've never heard from this person before and I have definitely not received any notices in the mail about a collections item. She called from XXXX. Worse, this person left the same message with third-parties, including relatives. This made me look horrible. I also know this to be illegal. They asked me to call her back at XXXX. She also said she was representing someone named " XXXX XXXX. '' I don't even know a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Cfpb This is Proof that Transunion is violating the law they are Not conducting proper investigation see Proof of what I'm taking about On a updated credit report from Transunion but the status update didn't change that is clear proof they didn't contact XXXX because I sent in statements that XXXX had cashed checks on XX/XX/19 I'm really considering filing suit On Transunion. Transunion I'm Going to need from you is every XXXX XXXX transmitt also date and time and date and time chase responded back to you if you are unable to provide this information we are going to consider this as unverifiable account also whatever information you reply back to could and will be used against you in a court of law so you are aware. that you sent them and the also I'm going to exercise my right under the 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and Also the contract with My Sign signature attached Because I don't know what the XXXX you Guys are reporting on my file

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 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I tried to get my free annual credit report from Experian via the official XXXX web site, the web site claimed a condition existed which requires me to mail in a request for the report. I believe Experian does this to discourage people from requesting their free credit report, and I think they should be held accountable for this behavior. To resolve this issue, I would like Experian to allow me to download my credit report, or mail me a credit report at their expense. I would prefer to download the report, if possible.

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 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
one inaccurate and fraud account name ( XXXX XXXX  ) has been reporting under my name under my equifax credit reports, it is under loan accounts, i have never had a loan that i have not paid, this is inaccurate and fraud account reporting under my name, please have this inaccuracy removed from my equifax credit file thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: Opportunity Financial, LLC
State: CA

Complaint narrative:
one inaccurate and fraud account name ( opportunity finance ) has been reporting under my name under my XXXX credit reports, it is under loan accounts, i have never had a loan that i have not paid, this is inaccurate and fraud account reporting under my name, please have this inaccuracy removed from my XXXX credit file thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have applied for loan modification and recently I am trying all option possible. This is 3rd time I am submitting the loan modification package.However, lender never response to my application.I have pending sale date on XX/XX/XXXX and I really need help from Chase to stop and give me some other options and I even consider to sell my house to get equity. But at least I have options to retain it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: AZ

Complaint narrative:
This company XXXX XXXX XXXX is reporting that I open an account with XXXX and owe them {$1300.00} dollars. They stated that I open the account on XX/XX/2018. I have a existing account with XXXX and I am in good standing. I ask them to produce some documents with my name or signature on it showing that this is fraud and belong to someone else.

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 2019-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I was contacted by a company by the name of XXXX XXXX XXXX, a 3rd party debt collector. I was informed I had a debt from XXXX or XXXX ( was given both years during numerous conversations with these people. I offered to pay the debt on the XXXX of XXXX, then decided to pay off the entire debt of {$170.00} *unsure of the exact amount* and was transferred to someone else to give them my debit card number. I asked for them to send me an email or correspondence to verify they were a legitimate company several times and time they refused. I tried calling back several times but they ( XXXX ) would either hang up on me or some other male I was talking to threatened to let the creditor know I refused to pay the debt. I called the creditor ( Cash Central ) who was equally rude, and they refused to give me any information to validate who these people were that were trying to get my debit card information. Everyone I spoke with at XXXX XXXX XXXX had an accent so I was extremely hesitant to provide them with any of my financial information. They also stated they tried sending me correspondence about the debt for a year and a half now but they couldn't tell me what my apartment number was. I did not receive any correspondence whatsoever from this 3rd party collector at any point in time. I want to be clear, I am willing to pay this debt once it has been verified and that XXXX XXXX XXXX is a legitimate business and not some overseas scam organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
One of my businesses, XXXX XXXX, XXXX maintained an active checking account with JP Morgan Chase for over 6.5 years. The business is a wholesale car dealership that is partnered with another dealership ( XXXX, XXXX who banks at XXXX XXXX ). XXXX is my only customer as I buy cars from them to help them expand their buying capacity and then when they sell the cars they buy them back from me. As the business grew this resulted in a large number of checks to buy cars ( written to XXXX ) and sell cars ( received from XXXX ). Given the increase in volume I had changed the account 3 months ago to an account that allowed a higher number of transactions. On XX/XX/2019 as I was trying to make 2 deposits to the account I was told the account was " restricted '' and could not process any transactions. I found out that the account had been frozen, along with {$140000.00} that was in the account and turned over to the compliance department. I was initially told that after 10 business days the account would be closed and a check would be sent out with the funds. It has now been almost 20 business days and I was told that the account is now in " investigations '' but no one will tell me why or what is being investigated. I also filed a complaint with the JP Morgan Chase executive office who called me and said they were looking into the situation but have since not returned my calls over the last 3 days. The bankers who I know personally in the branch have not been able to directly talk to the department who is handling the account now and have no answers for me as to why it has been sent to investigations or why or when I will receive the funds. The inaccessibility of these funds is causing a severe hardship for our business to continue meeting the needs of our customer which is causing a strain in the business relationship. It is also resulting in lost profits in the amount of approximately {$2000.00} for every month the funds are held in suspense. The bank has not provided any explanation other than they froze the account because I was writing checks on uncollected funds ( meaning I made deposits from my customer and wrote checks to my customer on the same day ) and after deposits hit the account there were always sufficient funds to cover outstanding checks. JP Morgan Chase is effectively placing economic " sanctions '' on me by not making these funds available and holding them indefinitely without providing any reason why or contacting me to try and get a better understanding of the account activity so can show there was nothing nefarious going on. I have attached an excel spreadsheet of all bank activity in this account for 2019. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XX/XX/2019 i tried to send money to XXXX using the money gram app. I sent XXXX dlls and also i was charge XXXX for the transaction fee. The transaction was cancelled by money gram on XX/XX/2019 and they told me that i was getting a refund within 10 working day, after ten working days i didn't receive any money so i called them back, they told me to wait another 3 working days so they can figure out what happened. O call back again today XX/XX/2019 and they told the case was closed and that they dont have any money to refund because the transaction never happened. I called my bank and money gram charge my card on XX/XX/2019 for XXXX and never refund any money back. Bank transaction number # XXXX. Money gram reference number # XXXX. My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX phone # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Looked at XXXX credit report and seen that I had a collection from Transworld System Inc in the amount of {$1500.00}. I immediately wrote XXXX XXXX on XX/XX/2019. In the letter I asked for the debt to be validated by showing the original signed contract within 30 days. To this day no response for above mentioned company. This collection should be on my credit report and should be deleted. I do however will be reaching out to Attorney General 's office and seeking litigation since Transworld System Inc hasn't responded in the 30 days given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage used to be serviced by Seterus. It was transferred to Mr. Cooper. When I got the first statement it had a fee for over {$700.00}. I sent Mr. Cooper the prior statement from Seterus, which shows that only the mortgage payment was due, no other fees. They referred me t Seterus, who I have contacted multiple times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019 my bank account had some fraudulent charges on them due to someone making purchases at XXXX. I contacted the bank to dispute the charges and to get my money back. I was told that I would have the money refunded back on XX/XX/2019 and I would be receiving a new card. Instead when I checked my bank account I was overdrawn and had some overdraft fees. I then noticed that my account was still pending {$300.00} withdrawal but I had transferred {$300.00} into the account to cover any fees.

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 2019-05-30 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: FL

Complaint narrative:
I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

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 2019-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Credit Corporation
State: TX

Complaint narrative:
I contacted Avant  in XX/XX/2019 regarding removal of this account from my credit report. Avant responded but as of XX/XX/2019 the account hasnot been removed nor has it been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Hello, I signed up for a Delta Skymiles American Express Card on XX/XX/19. The signup bonus offer stated that I would receive XXXX Delta Skymiles after spending XXXX USD within the first three of the account opening date. 
I completed the required spending threshold by XX/XX/19, and I have yet to receive the promised XXXX Skymiles. 
I called the number on the back of my card ( American Express Customer Service ) on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, and multiple times today XX/XX/19. The various representatives and supervisors kept telling me to either wait 6 to 8 weeks after the spend threshold has been reached to have that bonus posted to my account, per the terms and conditions of the signup bonus offer. Those 8 weeks have gone by, and American Express still hasn't resolved my issue. 
I'd be happy to provide detailed notes of all my interactions with Amex for each of the dates noted above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I HAVE DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

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 2019-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
IhaveneverhadanycommunicationwiththisAMCOL.Theyneversentmeanythingotcalledtryingtocollectadebtfromme.Ionlyknowofthisbecauseitwasreportedtothecreditbureau's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
Incorrect information, this is a joint account with my spouse and his was removed from his report and mine is still showing.

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 2019-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 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: GA

Complaint narrative:
I reached out to Trans Union, XXXX and XXXX a number of times since XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.

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