vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
My loan experience has been awful. While that is one thing, it has now cost me money out of my own pocket so I felt the need to formalize my complaints.

From day 1, I made it clear my cashout refinance needed to close early to mid XXXX. I literally followed up every day with the LO or Processor to ensure this happened. I was never once told this would not happen, but it felt like we were moving slow. Then, the day for closing, when I finally reviewed my documents, I noticed they had the wrong property address on the CD ( embarrassing considering they had an appraisal completed ) and did not have a deed to add my wife to title ( which was told to both the LO XXXX and Processor XXXX ). This delayed closing another week. I escalated to a manager ( XXXX ) and was essentially told this timeline is completely normal. 

Fast forward to the day of closing and I'm notified that my funds will be available in 10-15 days. I asked why it was more than 4 ( 3 days to rescind ) and was again told this is normal because they're busy. At that point, I had to take a loan out against my 401k to pay for the trip we had already scheduled as a family. Good thing I did! We are now two weeks since " funding '' and I still don't have my money. I don't even know what it means for a loan to " fund '' when I don't actually receive any funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
i went to check my XXXX XXXX report as well as my free credit report monitoring sites and there are some fraudulent accounts on my credit that i would like to be removed immediately the following accounts are. 

1.XXXX XXXXXXXX XXXX in the amount of {$22000.00} 2.transworld systems in the amount of {$1100.00} 3.XXXX XXXX XXXX XXXX in the amount of {$1100.00} 4.XXXX XXXX in the amount of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: Quality Asset Recovery LLC
State: NY

Complaint narrative:
i went to check my XXXX XXXX  report as well as my free credit report monitoring sites and there are some fraudulent accounts on my credit that i would like to be removed immediately the following accounts are. 

1.XXXX XXXX XXXX in the amount of {$22000.00} 2XXXX XXXX in the amount of {$1100.00} 3.quality asset recovery L in the amount of {$1100.00} 4.XXXX XXXX  in the amount of {$1000.00}

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 2019-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
We started our mortgage with Loan Depot in XX/XX/XXXX. There has been an outstanding property tax balance of {$520.00} ( plus interest now ) since XX/XX/XXXX. We have paid our mortgage on time every month and called Loan Depot almost weekly to see why they haven't processed the payment. It is now up for tax sale since they have no paid the balance ( they fully acknowledge they owe the payment and every week we are promised by 1-2 supervisors that the balance will be paid that now ). They are 4 months late and they keep promising the payment will go out today. We have received multiple tax sale notifications and they still have not paid the taxes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I opened a ( comenity bank ) issuer of credit card account, after XXXX replaced XXXX  at the end of XXXX, in the town of XXXX, Mo. This bank ( Comenity ) issues credit to all stores listed, ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, & XXXX ). 
XXXX  credit card purchases ( XX/XX/XXXX & XX/XX/XXXX ), ( which was paid in cash at time of credit card use ) was also billed to ( Year XXXX ) XXXX account. 
I am being credited for these purchases on XXXX statement, sent in mail, and charged through text message by XXXX, same paid purchases XX/XX/XXXX & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: OH

Complaint narrative:
I am a victim of identity theft and I have attempted to dispute inaccurate items on my credit report due to identity theft. I reached out to Experian ( via certified mail ) in XX/XX/2019 and XXXX 2019 to dispute inaccurate items reporting in my credit file. In XXXX 2019, my dispute letter was completely ignored and I did not receive a response from Experian. On XXXX XXXX, 2019, I contacted Experian and spoke with a male in consumer relations that specifically handles my credit file. I explained that Experian continues to report an inaccurate address, inaccurate accounts and an inaccurate public record. I have two identity theft affidavits with police reports on file with Experian and the gentleman insisted that I obtain a new police report that does not contain an online police reporting system as he stated Experian policy does not accept such reports. However, I disputed the information I received from the gentlemen as consumer regulation does not state such information and most enforcement agencies only accept theft reports online. During the phone conversation, I disputed a inaccurate address listed along with a bankruptcy reported with an alias of XXXX XXXX that does not belong to me. Experian refuses to remove and block this information from my credit file as an identity theft victim in accordance to the Fair Credit Reporting Act ( FCPA ) ; 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. 

I have included all inaccurate and fraudulent information included in my credit file that should be blocked and removed from my credit 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 non-monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
Issues : 1 ) I found unauthorized transactions that were NOT credited : XX/XX/XXXX XXXX XXXX XXXX   {$75.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$50.00} XX/XX/XXXX XXXX XXXX {$220.00} XX/XX/XXXX XXXX {$21.00} XX/XX/XXXX XXXX {$100.00} The total is {$470.00}. 

2 ) Also US Bank responded to Case No. : XXXX that : On XX/XX/XXXX US Bank mailed a Cashier 's Check for refunds totaling {$570.00}. 
3 ) Also {$710.00} was Never Received. 
US Banks XX/XX/XXXX letter sates " we are unable to verify your address you provided in your CFPB complaint ; therefore, we are submitting to CFPB, '' and 4 ) outstanding is XXXX XXXX {$140.00}. 
I request the Cashier 's Check be picked up at an XXXX XXXX, IL location or forward checks to XXXX XXXX, XXXX. XXXX XXXX, XXXX, IL 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 2019-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
This company contacted my sister stating my account was past due. Gave payment history and information to her. The CSR called her a couple times giving her this information. I contact local office asking for DM OR RM to call me nothing back for 2 weeks. Called their corporate cs number. Finally got to talk to a rep who said she will have someone call me back. But could not understand by looking at my account why the rep in the store would have called anyways. I do have a video of that audio voicemail the rep left my sister discussing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
" New Issue '' Experian re-inserted a previously deleted XXXX  account back on my credit report. This account was involved in fraudulent activities. It must be removed immediately. I never received any notice from XXXX that this account was going to be be reported again. Additionally, Experian you received valid police reports XXXX and XXXX. This is a violation period. 


Secondly you verified again XXXX when you were sent police report XXXX, the account balance is fraud. XXXX is aware various accounts that have fraudulent balances. I was informed the accounts were suppressed. Why is it still showing on my credit anyways? 

Experian continues to be NON-Compliance of the law.

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 2019-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
I was contacted by a company ( XXXX  ) Claiming that I owed a debt to HSBC bank. When I contacted HSBC they advised me that I did not have any outstanding debt with them. I contacted back XXXX  and they told me that they had already sent validation and that I did not need to validate. However they said that I would need to pay this debt before having my wages garnished. The representatives were very threatening and convinced me to give my card number for payment. They told me that once the first payment was made that I would receive a receipt however I have not ever received that receipt. My bank has cancelled my card and I am now getting a new card. I have continued to get calls from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Collection Services, Inc.
State: TX

Complaint narrative:
First, this is a medical bill. Secondly, the amount I was told I would owe was SIGNIFICANTLY lower than this collections account of {$15000.00}. I was told by hospital my bill would be 10 % of total. Initially insurance paid but then requested refund. Hospital then billed me for this balance. When I contacted them they refused to investigate further and said I needed to contact insurance company even though hospital is the one who initially agreed to only charge me the 10 %. This medical procedure was done XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XXXX used Paypal to send XXXX Euros ( EUR ) to a package forwarding company in XXXX called XXXX, to have them forward to me three Video Cassette Recorders ( VCR ) from XXXX. During shipment with XXXX one of the VCRs  became damaged. 

XXXX agreed to issue a damage claim payment to XXXX, in the amount of XXXX EUR. On XXXX XXXX refunded via Paypal XXXX EUR to my paypal account associated with email address XXXX. 

During prior verbal chats with Paypal agents, they told me that when merchants issue refunds, there should be no fees assessed to me as the receiver of a refund. 

For Paypal transaction ID XXXX, which is the transaction for a XXXX EUR refund from XXXX, Paypal assessed a XXXX XXXX fee, an action which runs counter to what their agents recently told me over the phone. 

For Paypal transaction ID XXXX, I was not the seller of the a product. I am not shipping anything to XXXX  for that transaction. Instead, I am the receiver of a refund in the amount of XXXX EUR, a refund in connection with earlier XXXX Paypal transaction XXXX. 

On XXXX I requested that Paypal remove their XXXX EUR fee from the XXXX EUR refund received from XXXX, via a chat session on their website. Paypal did not respond to my request in a timely manner, and so I decided to escalate the issue. 

I request that Paypal remove their XXXX EUR fee from the XXXX EUR refund received from XXXX  ( paypal transaction reference XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Over the course of the past several months, I've consistently been in contact with Experian consumer reporting agency regarding several fraudulent accounts being reported to my consumer credit file. I've sent numerous letters disputing the validity of these accounts which included a copy of a local police report that was filed by myself. The police report that was included, listed the accounts that were in question and established without my knowledge or consent. Under the Fair Credit Reporting Act section 605b, Experian continues to violate my consumer rights by continuing to report the fraudulent accounts to my credit file after being notified of the information resulting from identity theft and failing to block the information within 4 business days of notification. This situation has caused a major burden on my current financial situation and been detrimental to my creditworthiness. I have been unsuccessful in my previous attempts in trying to resolve this matter with Experian and plan to pursue litigation as a final result if necessary. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are the accounts that are in question and should not be appearing on my credit file due to identity theft.

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 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 2019-11-29 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/2019, I made online order for a sandwich from XXXX restaurant for {$5.00}, using the Chase Freedom credit card. I applied a XXXX promotional coupon in the amount of {$5.00}. So the correct charge should be {$0.00}. However, the charge appeared on my credit card account was {$670.00}. 

I called the merchant, XXXX restaurant, to verify the charge. The representative confirmed that XXXX only charge {$5.00}, less {$5.00} to my credit card. 

I contacted Chase credit card service and opened dispute about the overcharge transaction. However, Chase insisted that the {$670.00} charge for a XXXX sandwich was valid, despite the response from the merchant stated clearly the amount of the charge for the transaction should be {$5.00} rather than XXXX. 

I have escalated the matter several times to Chase 's supervisors. I directed them to the evidences provided by both the merchant and myself, to show that there is no discrepancy between. The supervisors fully understand the situation, but kept on saying that the charge of {$670.00} was valid and there is nothing they can do about it. They refused to discuss further with me when I asked them to explain how Chase came to their ridiculous nonsense decision. 

I feel there are some dark secret behind Chase 's operation and need CFPB 's intervention to look into the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: FL

Complaint narrative:
I was called on Wednesday XX/XX/26 and a woman from National Recovery Agency called and asked for me. I verified my name, and she asked me an incorrect address, I stated no and she replied oh that may be why and gave me her mini Miranda letting me know it was an attempt to collect a debt and disclosed all of my medical information without a proper piece of verification and on top of that seeming very rude. With being I victim of having my information compromised in the past and working in a collection agency myself I know not just a name is a proper and only piece of verification. There has been many times to where people have called pretending to be me to see what my business is, but fortunately companies who know the correct way to verify a consumer did not disclose any information without a correct verification.

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 2019-11-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wife and I have had a traditional XXXX yr mortgage with Chase ( account XXXX ) since XXXX. We were never delinquent on a payment, each month Chase sends me a monthly statement with a coupon for the next payment. In XX/XX/XXXX, I never recieved their statement or coupon, and I did not send in my XXXX mortgage payment. I recieved the statement + coupon for XXXX, and XXXX was paid on time. The first week of XXXX I was contacted by Chase telling me our mortgage was delinquent, I looked into it and agreed that I missed XXXX 's payment, and made 2 payments in the next week to catch up. Now we are trying to apply for a line of credit, but were denied, as Chase reported we were delinquent x 2 payments, I say we were delinquent for 1 payment, as when I was notified that our XXXX payment was never made, I paid it plus our regular XXXX payment in the next few days. 
Now due to this error we have been denied a line of credit we need for expenses for an upcoming child 's wedding, not to mention the negative impact this has had on our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened my business checking at local US Bank branch and the banker confirmed he had applied the offer ( code : XXXX ) " earn a bonus of {$400.00} when you open a new business checking account and complete {$5000.00} in new money deposits within 30 days of account opening '' and I still have the poster for it. However, I have completed all requirements for this offer and did not get the bonus. I noticed it is because they opened a Preferred money market instead of Platinum ( required for this offer ) by mistake. I have contacted the bankers and they filed an escalation but it took forever for them to get back to me ( banker always in a meeting or with a customer when I call ) until I stop by the branch again and they said they need to file another escalation and it may not be approved because I need to maintain the {$5000.00} in the account which is not even shown on the poster for this offer. It seems to me they are trying to avoid admitting their mistake and just looking for excuses and then let me wait for reply until I give up on this.

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