vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
For exactly a month now, Apple restricted my Apple credit card and I have not been able to make purchases using this card because they said my account is " under review ''. They said that someone would contact me to resolve the situation when the review is done, but they never did. When I tried calling back like every week ( latest was on XX/XX/XXXX ), Apple still told me the same thing ... to wait for a return call. I even verified any information about myself that the representatives asked over the phone. I told them that I have waited a whole month now to get my card back, and they refuse to give me my card back, saying I have to keep waiting. This is very unacceptable handling of a credit card. I want Apple to unrestrict my Apple card so I can use it again. I did nothing wrong, and they have done absolutely nothing to update me or make progress on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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 — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I have an auto loan with Citizens Bank. 

Account # : XXXX I moved XX/XX/2019 from XXXX XXXX XXXX XXXX DE XXXX to : XXXX XXXX XXXX XXXX DE XXXX They never sent me a single statement in the mail to my old OR new mailing address after moving. I even have a mail forward setup with USPS. I also get a screenshot in PDF format of every single piece of mail sent to my old address ( I still own the old address, it's still on the market for sale ). 

They reported me 60 and 90 days late on my credit report and never gave me a single statement, nor did they notify me at all of any credit reporting going on. I found out by applying for a XXXX credit card and getting denied completely ( my credit score is typically above 800 ).

They violated the Fair Credit Billing Act and cost my credit score almost 200 points, literally just for not giving me any statement AT ALL. I called and paid in full as soon as I found out. The worst part is, I had AUTO PAY setup the whole time!!! They weren't running the auto payments!

The staff at Citizen 's Bank told me it was my problem and to take it up with XXXX.

XXXX  did absolutely nothing at all other than say the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
In XX/XX/2019 I decided to refinance my home. The process was going smoothly until I noticed there were not enough taxes added to my new estimated payment. I immediately notified my loan agent she ensured me the amounts were correct I had her check twice. I still wasnt confident that the amount was correct I submitted documentation to her, and she assured me again but she said she would have her immediate supervisor contact me. I explained repeatedly that I did not want to be hit with a large payment because they were not collecting enough. The supervisor called me at XXXX on XX/XX/2019 the call lasted 21mins. I was told that the amounts were right, and I was complemented on my knowledge and thoroughness. I was told I was the only one holding up the process at this point and I explained again I dont want to be hit with a large bill because you are not collecting enough money for my escrow account. I was told on a recorded line that the good thing about doing business with them is that they will never sell my loan and will always make it right. I said if it will be made right, I will sign tomorrow. I was assured and immediately made my signing appointment. 

My worst-case scenario came true on XX/XX/2019 when I was sent an email saying my escrow account was negative $ 800+. I immediately called and spoke to a supervisor sent him documentation of correspondence and gave him the phone call information where I was told they would make it right if it was wrong. He called me back a week later and told me I was short {$2500.00} and would need to pay it they did nothing wrong. 

I asked them again to look into it I dont feel like I should have to pay the {$800.00} in arrears because I begged them to get my taxes correct from the beginning. I was told they looked at it correct, but XXXX County Tax assessor doesnt label them correctly, so they were looking at only supplemental taxes. 

I dont think it is fair that they could give me such a misleading payment of $ XXXX/ mo to $ XXXX/mo and now expect me to come up with {$2500.00} to cover taxes they miscalculated. I went through all of this to save {$92.00} a month on a monthly payment and pay them {$2700.00} for doing the loan I dont think so. Somebody messed up and I was assured by the company they would make it right and they are saying they did nothing wrong. I would appreciate any help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: OK

Complaint narrative:
US Bank continues to fail to report payments on my joint mortgage accurately to the credit bureaus. My records indicate at least 3 payments which appear to be missed when in fact they were made to US Bank. My credit report shows a payment was missed in XX/XX/2019 and that is false information. 

Additionally, US Bank is not responding to my questions.

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 2019-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MI

Complaint narrative:
A phone call was placed to L J Ross and Associates IN. on XX/XX/XXXX regarding a letter i received stating i had an outstanding debt with XXXX   XXXX, they stated they could not tell me what the debot was for and i need to call the Bank. I then called the bank and they explained they do not have the records of my debt due to the age of the debt and i would have to order them from the collection agency if i am distributing. I thna call the agency back and spoke With XXXX  whos assigned to the file, I explained I am disputing the debt and officially requested the transcripts showing the valifty of the debt. at that time the pursuit of the debt should have stopped until i received the documents requested, XX/XX/XXXX i received a notification from my credit monitoring app stating they had reported my debt to the XXXX   prior to my receiving the documents which is a violation of the  FDCPA, I spoke with XXXX  XX/XX/XXXX and explained i have not received the docs, she explained they "sent them out at the end of last month" which was two days ago, this has since lowered my credit score 17 points prior to me receiving the documents, I have both conversations recorded

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Closed the account with Chase on XX/XX/XXXX and asked for the bank to send the reminder as a check to my place. It has been over a month and never received the check. Called the bank and they said I have to either go to a branch to do the paperwork or do a notary document then send it back before they void the check and resend a new check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have an auto loan with XXXX XXXX. 

Account # : XXXX I moved XX/XX/2019 from XXXX XXXX XXXX XXXX DE XXXX to : XXXX XXXX XXXX XXXX DE XXXX They never sent me a single statement in the mail to my old OR new mailing address after moving. I even have a mail forward setup with USPS. I also get a screenshot in PDF format of every single piece of mail sent to my old address ( I still own the old address, it's still on the market for sale ). 

They reported me 60 and 90 days late on my credit report and never gave me a single statement, nor did they notify me at all of any credit reporting going on. I found out by applying for a XXXX credit card and getting denied completely ( my credit score is typically above 800 ). 

They violated the Fair Credit Billing Act and cost my credit score almost 200 points, literally just for not giving me any statement AT ALL. I called and paid in full as soon as I found out. The worst part is, I had AUTO PAY setup the whole time!!! They weren't running the auto payments! 

The staff at XXXX XXXX XXXX told me it was my problem and to take it up with Transunion. 

Transunion did absolutely nothing at all other than say the information is accurate.

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 2019-12-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have an auto loan with XXXX XXXX. 

Account # : XXXX I moved XX/XX/2019 from XXXX XXXX XXXX XXXX DE XXXX to : XXXX XXXX XXXX XXXX DE XXXX They never sent me a single statement in the mail to my old OR new mailing address after moving. I even have a mail forward setup with USPS. I also get a screenshot in PDF format of every single piece of mail sent to my old address ( I still own the old address, it's still on the market for sale ). 

They reported me 60 and 90 days late on my credit report and never gave me a single statement, nor did they notify me at all of any credit reporting going on. I found out by applying for a XXXX credit card and getting denied completely ( my credit score is typically above 800 ).

They violated the Fair Credit Billing Act and cost my credit score almost 200 points, literally just for not giving me any statement AT ALL. I called and paid in full as soon as I found out. The worst part is, I had AUTO PAY setup the whole time!!! They weren't running the auto payments! 

The staff at XXXX XXXX XXXX told me it was my problem and to take it up with Transunion. 

Transunion did absolutely nothing at all other than say the information is accurate.

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 2019-12-03 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: Alabama Housing Finance Authority
State: WA

Complaint narrative:
Re : XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) : they are continually reporting my account as delinquent to the credit bureaus as recent as this year, XXXX. I sold the property at XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX, WA XXXX in XX/XX/XXXX and the loan was paid in full as a result of that sale. I no longer own the property, I no longer have a loan outstanding with XXXX. Still they are reporting me to credit reporting bureaus as being LATE in payments. There are no payments to be late or not. 

I tried calling them today and the person I spoke with put me on hold as # 30 in the queue. I've experience horrible customer service with them in the past. Now they continue to harass me by falsely reporting me as delinquent on a ghost account. 

Please make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Current date : XX/XX/2019. Had a car accident on XX/XX/XXXX. On XX/XX/XXXX, acquired email conformation that GAP company, assigned to me by car dealership, received all my requested documentation. On XX/XX/2019 the GAP company completed the adjudication process for the financial GAP benefit regarding the loss of the covered vehicle. During this whole time I was still required to make payments for my unpaid loan balance. XX/XX/XXXX, received email from car company that read " Weve received your payment of {$3000.00} '' ... Your payment was processed on XX/XX/2019. It may take up to 5-7 days for your payment to be reflected in your bank account. '' This amount of XXXX was more than I owed, which was currently around $ 1k.  I have received one check for {$370.00} which is dated XX/XX/2019, and supposedly I am awaiting two other payment checks in the amounts of {$1200.00} and {$400.00}. I have called the Finance department several times and talked to several different employees and supervisors which informed me that they have submitted email inquiries to the payment department. I'm told that the checks are pending approval. Called again today, but seem to taking way more time then it should and getting really annoyed and frustrated with this and do not feel like my case is important to them.

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 2019-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
A phone call was placed to XXXX XXXX XXXX and XXXX  XXXX. on XX/XX/XXXX regarding a letter i received stating i had an outstanding debt with Flagstar Bank, they stated they could not tell me what the debot was for and i need to call the Bank. I then called the bank and they explained they do not have the records of my debt due to the age of the debt and i would have to order them from the collection agency if i am distributing. I thna call the agency back and spoke With XXXX whos assigned to the file, I explained I am disputing the debt and officially requested the transcripts showing the valifty of the debt. at that time the pursuit of the debt should have stopped until i received the documents requested, XXXX i received a notification from my credit monitoring app stating they had reported my debt to the XXXX  prior to my receiving the documents which is a violation of the FDCPA, I spoke with XXXX XXXX and explained i have not received the docs, she explained they " sent them out at the end of last month '' which was two days ago, this has since lowered my credit score 17 points prior to me receiving the documents, I have both conversations recorded

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 2019-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I had sent a letter there certified mail to Experian concerning previously disputed items. I had sent it certified to ensure it was received. The letter requested the method of verification and name of person contacted along with any documentation with my signature showing I have a legally binding obligation to the debt. According to FCRA 611 ( a ) ( 6 ) 9B ( iii ) I have the right to receive " a description of the procedure used ''. 

I received a letter dated XX/XX/19 from Experian which did not meet any of my request. It stated that everything was verified by the furnisher and will not be reinvestigated. A copy of my report was sent to verify no changes made. 

These items should not be on my report and needs to be deleted. E-Oscar is an unacceptable form of investigations and case law verifies that it is an unreasonable method of investigating. FCRA states the investigations must be reasonable. If they are unwilling to cooperate correctly then I will be forced to take legal actions. I am in strong hopes that it won't be necessary and they will see there errors and submit to my requests in the letter I had sent them through certified mail.

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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
none of this was me my wallets with all my information has been stolen twice and also when i lived in the apartment at XXXX XXXX XXXX XXXX my mail was being stolen and information was being used when i moved out the stuff on my report is from identity theft and i dont think its fare because i been reported identity theft and it still havent been resolved

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 2019-12-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Re : XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) : they are continually reporting my account as delinquent to the credit bureaus as recent as this year, XX/XX/XXXX. I sold the property at XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX, WA XXXX in XX/XX/XXXX and the loan was paid in full as a result of that sale. I no longer own the property, I no longer have a loan outstanding with XXXX. Still they are reporting me to credit reporting bureaus as being LATE in payments. There are no payments to be late or not. 

I tried calling them today and the person I spoke with put me on hold as # 30 in the queue. I've experience horrible customer service with them in the past. Now they continue to harass me by falsely reporting me as delinquent on a ghost account. 

Please make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: GA

Complaint narrative:
Experian is FULLY AWARE that I am a victim of identity theft. However they are ILLEGALLY violating my rights by reporting this incorrect and fraudulent information. Not only are they reporting illegally but they are REFUSING TO REMOVE the INCORRECT INFORMATION. They have NEVER sent me any documentation that supports why they are continuing to report these fraudulent addresses on my credit file. 
I have NEVER LIVED NOR HAVE I EVER BEEN ASSOCIATED WITH EITHER OR THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Corp Solutions Inc.
State: OR

Complaint narrative:
Credit Corp Solution has sued me IN THE NAME OF THE STATE OF OREGON to collect a charged-off alleged debt created by XXXX  using the XXXX-XXXX  account. This was not an authorized transaction. Read the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
ON XX/XX/2019 I madfe a transaction through XXXX via their Zelle service for {$200.00}. The transaction was payment for concert tickets. Once the transaction went through the person i sent the money to disappeared. I have their email and phone number. I have reached out to them individually and they threatened to kill me via text I have filed complaints with both XXXX XXXX and Zelle, but neither will take responsibility for the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: DC

Complaint narrative:
Cash App operated by Square Inc. 
Have $ 1000-1500 in digital wallet that they wont provide access to or return to the account holders address on file. 

I just had $ 1000-1500 in account that they couldnt merge and I forgot passcode to the app. Their help desk was able to identify the old account, disable the Cash App debit card # which I have on a merchant receipt ( I lost the card ). But Cash App will not return the funds remaining on account, range of $ XXXX {$1500.00} and will not provide a resolution path to regain access to funds or issue return of funds. They told me via help desk email sorry, feel free to fund a new account, but you cant access the old one. I sent a notarized certified demand letter to return funds to the owner on file on account to Square inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Attn : CEO/Legal Officer in XXXX XXXX on XX/XX/2019, and am waiting to see what the reply is. Ill join as a plaintiffs in class action.

Company response to consumer: Closed with explanation