vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MoneyLion Inc.
State: IL

Complaint narrative:
A few months ago Moneylion agreed to update an account as paid and update any negative information on the account due to a mistake. They did give me some of their reward point for the problem. This is where things get interesting. An already paid off loan again shows and unpaid balance which dropped my credit score 50+ point. My car broke down and I needed to fiance a new car. That 50+ decrease in my score put me in a high risk and I am paying 16 percent! For a problem they said they were going to resolve this is completely and totally insane! i'M PAYING {$450.00} A month FOR 75 MONTHS ON A XXXX CAR! I could be driving a XXXX instead of a XXXX for this amount! 
This Moneylion loan was supposed to fix my credit instead if give me a XXXX XXXX and separate me from my hard earned money!. I am not sure that reward point that are going to give me a {$25.00} dollar gift card to XXXX is going to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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:
Equifax mortgage services XX/XX/XXXX XX/XX/XXXX Credit inquires that were not authorized, dont recognize it XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
On Saturday XXXX a man from a reality company came by asking if I knew my house was in foreclosure. I had no idea what was going on and this was the first I have heard of anything concerning default with the mortgage company. I was making payments to mortgage company Ocwen and then received letter from Ocwen that payments needed to be made to phh mortgage by check sent in the mail which I did. After the man left I looked into my bank account and phh has not been cashing checks, I have not received any documents from phh mortgage in any way shape or form. I have been totally blind sided by this and believe the mortgage company has created a hardship on my side. XX/XX/19 I have reached out to a hud approved foreclosure counselor for advice and am seeking Legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: TX

Complaint narrative:
I applied for a Discover Balance transfer to pay off my XXXX account of {$18000.00}. 
Never got ANY KIND OF ACKNOWLEDGEMENT OR REPSPONSE -- So I applied to XXXX  XXXX XXXX for the same thing. 

I got an immediate answer from XXXX and the transfer to XXXX for {$18000.00} happened on XX/XX/2019. I got a statement and started paying XXXX last month. 

Last week I got a statement from DISCOVER for {$18000.00} I called XXXX and they said I needed to call XXXX to have THEM send the money back. So I called XXXX who said I needed to call Discover back and have them cancel the transfer. 

So I called Discover back today and spoke with a supervisor. She said they are not able to cancel the transaction because it was done on line NOR could they credit me the {$540.00}. We all know this is bull. 

SO now, have 2 - {$18000.00} balances needing a payments made to and no one to help me. 
NO ONE should be allowed to do this without any kind of confirmation, which I asked them for but they do not have. 
I think Discover CAN cancel this transaction but they refuse. I am XXXX years old and feel they are taking advantage of a senior citizen. 

Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
The company did not put the {$1000.00} credit card cap on the blue american express for the second card holder under my account. {$1000.00} is the cap that applies to my blue american express card at the time I applied for it and till the day it closed. Per the agreement with american express, this should have been the cap on the second card holder 's card as well. I did contact american express multiple times to ask them to enforce this cap. They did not and the second card holder was able to spend more than {$10000.00} on his card In addition, American express charged close to {$10000.00} in interest from the time the second card holder received his card to the day American express closed the account. I always pay my card in full so none of this interest is associated with my card. Now, American express wants me to pay the full amount plus interest for the second card holder 's card.This has affected my credit score since I did not anticipate this and I don't have the cash to pay it in full. Meanwhile, the interest fees keep piling up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Goldman Sachs declined my XXXX XXXX application based on " You have recently been past due '' using XXXX  as the credit report. XXXX says there are zero recent past due accounts. Goldman Sachs says XXXX reports recent past due accounts to them. Goldman Sachs refuses to tell me what the past due accounts are. XXXX  says there are none and therefore I can not dispute anything. My score on the decline letter is XXXX. I am appealing to the CFPB because I have no way to dispute " recent past due '' accounts that do not exist. Note that Goldman Sachs blames XXXX and XXXX blames Goldman  Sachs. Numerous calls to both, recorded by them, have failed resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
my original home equity line of credit was owned by XXXX  XXXX  XXXX who then sold it to specialized loan servicing all payments after XX/XX/XXXX were to go to sls on XX/XX/XXXX i made my payment to XXXX  XXXX XXXX, sls is saying it was never received however i have all my confirmation numbers and dates of payments, since then i have made 2 payments to sls and they said that it covers XXXX which was already paid and XXXX, the payments made where for XXXX and XXXX i have tried to have this corrected numerous time through sls to no avail.

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 2019-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account with XXXX XXXX XXXX  for my mortgage was supposed to be fixed. Upon disputing with Experian XXXX and XXXX, experian now shows dispute closed but late for XXXX which is WRONG. 
I HAVE never been late on this loan. XXXX already responded to CFPB acknowledging their error. They have not fixed this and are and are answering disputes reporting me late for XX/XX/2019.

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 2019-09-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
My residence was damaged by hurricane Irma and insurance wrote a check to me and my mortgage company, Flagstar Bank. I endorsed the check and sent to them almost two years ago. They have demanded so much documentation, some that I cant get, that I have not been able to obtain any draws. Now the house is 100 % complete, as verified by an inspector hired by them, and they still wont released the entire amount. They did send a draw of approximately 35 %. I want the rest of my money. 
After dealing with Flagstar bank on this matter I am firmly convinced they are doing this on purpose so they can use this money practically interest free. Essentially they have used my money for a little less than two years at an interest rate of about 0.01 %. They did not hold this money in escrow. They cashed the check. Below are some ways they make dealing with them extremely difficult. 
You cant talk with the same agent/person twice. 
Long and confusing phone tree you must go through. 
They wont tell you specifically what is still demanded. They only resend the beginning package with general guidelines. 
Their calls come through as United States not Flagstar bank. Many Robo calls are this way so you tend not to answer their calls. 
They call on weekends when its impossible to call them back as you only get a phone message saying they are closed. 
They take days or even weeks to return a call. 
They want documents that may not exist. For example you dont get formal signed and accepted proposals from every person working on the job. 
I have an email from them saying a disbursement of {$40000.00} XXXX not the right amount ) had been mailed that day. When it came it was for {$12000.00} XXXX about 35 % of total ). 

In conclusion I simply am demanding my money that they are holding. The repairs are 100 % complete as varied by their inspector. I believe their whole system is designed to keep that money from you as long as they can. Even the insurance company that paid the money has said repairs are complete. I want MY money with no more hassle.

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 2019-09-03 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: U.S. BANCORP
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit inquires that were not authorized, dont recognize it XXXX XXXX  XX/XX/XXXX US Bancorp XX/XX/XXXX 2019

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 2019-09-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX erroneously reported that I was 30 days past due in XX/XX/2019 on my account ending in XXXX. In fact, I made two payments on said account during the month of XXXX and they have refused to remove this error. I reached out to them on or around XX/XX/2019 and the representative did not address what I asked them to address. He mentioned that I missed a payment in XXXX and when I proved it to him that the company was in error, it was not corrected on my credit profile on all three bureaus. I am requesting that this error be removed from my credit profile on all three bureaus ( XXXX, Equifax and XXXX ) as it hinders me from securing credit in the future. I plan to continue my relationship with XXXX XXXX moving forward and I am just simply requesting that the error they made be corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A few months ago XXXX agreed to update an account as paid and update any negative information on the account due to a mistake. They did give me some of their reward point for the problem. This is where things get interesting. An already paid off loan again shows and unpaid balance which dropped my credit score 50+ point. My car broke down and I needed to fiance a new car. That 50+ decrease in my score put me in a high risk and I am paying 16 percent! For a problem they said they were going to resolve this is completely and totally insane! i'M PAYING {$450.00} A month FOR 75 MONTHS ON A XXXX CAR! I could be driving a XXXX instead of a XXXX for this amount! 
This XXXX loan was supposed to fix my credit instead if give me a heart ache and separate me from my hard earned money!. I am not sure that reward point that are going to give me a {$25.00} dollar gift card to XXXX is going to 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 2019-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX of XXXX, I was a victim of a scam where my email : XXXX, my phone, and my computer were hacked into and I was being taken advantage of by scammers who had infected my electronic devices with a virus. I was unable to signing to my email, and I received a message from XXXX saying that XXXX couldn't verify this account belongs to You. anytime that I was trying. I was being threatened to provide XXXX cards in order to resolve my email issue as well as the phone malfunction. I purchased multiple XXXX cards and had to provide those number to the scammers. once I understood the fact of being a victim. I contacted bank of America to stop payment on the XXXX cards since I purchased most of them using the BOA Debit cards. I was told that an investigation was going to be done. I recently received on XX/XX/XXXX of XXXX a claims number # XXXX by phone while I went to bank of America Financial center in XXXX XXXX XXXX, XXXX, FL XXXX but there was No follow up in this issue. 
The card was in my possession at all times and I purchased the XXXX cards with the hope that my email password were going to be restored by paying those fees, furtheremore ; I had no control of my email account. my computer, my bank account information was compromised as well. I could not access my account subsequently, in XX/XX/XXXX of XXXX the account was closed and I was issued a new Debit card. on XX/XX/XXXX. I purchased XXXX XXXX cards {$500.00} each from XXXX and {$500.00} Cash redraw from Debit card, and one transaction for {$200.00} at the XXXX. At the time when I reported that I was a victim to the Bank of America. the payment could have been denied.

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 2019-09-03 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I send a certified letter to Comenity Bank regarding credit reporting issue. In that letter I requested the bank to update/correct incorrectly reported information regarding credit card payments. 

In XX/XX/XXXX I entered a payment arrangement/hardship program. The contract required three consecutive on-time payments for the account to be reported current. I committed to this program for 1 year with ALL on-time payments. 

As I started to work on my credit report, I noticed late payments for ALL Comety credit cards ( XXXX, XXXX 's and Victoria Secret ), specifically during the " contracted '' period. 
I feel I have met the requirements of the program, therefore I should not be penalize for late payments. 

Most recently, I signed up for a credit card from XXXX & XXXX  ( managed by Comety ). A payment was schedule, however an innocent typo on the checking account blocked my account from accessing funds or online usage. The same account is used to make payments online with other products ( XXXX, etc. ) and never had that problem. Could they come up with linking accounts to avoid this troublesome problem of mistyping account numbers? 
I contacted customer service on Friday XX/XX/XXXX from Ms. XXXX and Ms. XXXX both were not able to address my concerns regarding waiving fees and reactivating online access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
OVER THE PAST YEAR AND A HALF I HAVE CANCELLED MY EXPERIAN ACCOUNT 4 TIMES. THEY HAVE CONTINUED DEBITING MY CHECKING ACCOUNT EVERY MONTH. I SPENT 3 HOURS ON THE PHONE 3 WEEKS AGO BEFORE TALKING TO AN ACTUAL PERSON, AND WAS TRANSFERRED 4 TIMES. I ENDED UP WITH XXXX THAT GAVE ME A DIRECT CALL BACK NUMBER XXXX AND A CALL REFERENCE NUMBER XXXX. SHE TOTALED 8 CHARGES TO BE REFUNDED TO ME IN 3 TO 5 BUSINESS DAYS TOTALING {$230.00}. AS OF TODAY, XX/XX/2019 THIS REFUND IS STILL NOT IN MY ACCOUNT. EXPERIAN IS GUILTY OF THE CRIMINAL OFFENSE OF CREDIT CARD FRAUD AND ALSO ARE IN VIOLATION OF MY CONSUMER RIGHTS. WHEN I CALLED TODAY, I DEMANDED TO SPEAK TO A PERSON THAT DIRECTLY HANDLES REFUNDS AND THEY INFORMED ME THAT THEY DIDNT KNOW WHAT DEPARTMENT THAT WAS. I HAVE BEEN GETTING A RUNAROUND FOR A YEAR AND A HALF NOW AND WHAT THEY ARE DOING IS ILLEGAL. ALSO, THE CHARGES ARE XXXX MONTHLY AND SHOULD REFLECT AN AMOUNT ALMOST TRIPLE OF {$230.00}

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 2019-09-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019, a fraudulent charge was made on my Chase Visa credit card in the amount of {$6100.00} by a vendor identified as PP*samdesigner, while I was in XXXX on vacation. Visa did not contact me when this charge took place and just let it through. Upon my return to the US, I signed an affidavit to Chase informing them that this charge was fraudulent and was not made by my husband, who is joint on my account. Since that time, I have been on numerous phone calls with them informing them that this was a fraudulent charge and that we did not make it. On XX/XX/2019, I received a letter from Chase Fraud Services ( attached ), informing me that I am being made responsible for this charge. I received 2 additional letters from them dated XX/XX/XXXX and XX/XX/2019 confirming that they are making me responsible. I was then told that I must appeal to the Chase Executive Office. Since that time, I have written to them 3 times. I have attached the final letter which summarizes my proof that we did not make this charge and that this card number was hacked while we were in XXXX, as we received similar charges from 2 other bank cards. Both the other banks have dismissed the charges. I have received 2 phone calls from the Executive Office, both claiming that we are responsible for the charge. They do not address any of my documentation proving that we did not make the charge and do not provide any proof that the charge was legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I refinanced my mortgage in XX/XX/2019 with XXXX XXXX. When I received my first statement from the company, I noticed that my escrow balance was shown incorrectly as {$0.00}. My escrow balance should have been {$4100.00} as per the closing disclosure during the refinance. 

Since then, I have already made two payments and contacted the company several times through email and phone to report the escrow balance error, but each time I get a response saying that this is being investigated and that someone from their team will contact me back. So far, I have not received any response from the company and it has been over a 45 days since I first reported this issue. It is surprising to me that this has taken so long to resolve when the agents over the phone can clearly see the Final closing disclosure statement with the correct escrow balances.

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 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX i made a final payment of {$24.00} On XX/XX/XXXX i was assessed a {$1.00} interest. 
My statement reflects a {$1.00} balance. 
On XX/XX/XXXX I called BOA, waited on hold for 40 minutes. The agent asked if I wanted to get notifications on my cell. i said no. They can call me of something is wrong she then said she could not get into my account as I failed to identify properly and refused to get texted a code. I said i had no idea that she wanted to send me a code to verify my identity. I said, i have my cell, go ahead, send the code. Too late, she said. 
Asked for supervisor -XXXX in the XXXX call center- shes said she could not help me. I said I want a credit for the interest charge that should not have been applied since balance was paid in full. And i want my account closed. She said the only way I could get that done was to contact them through a mobile app!!!

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