vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Hi my name is XXXX XXXX ( XXXX ) XXXX, and I received a direct deposit of {$10000.00} on my American Express Serve Prepaid card XX/XX/2021 from SBA.Gov Dept of treasury and I was able to access my funds that day only withdrawal {$750.00} from atm and transferred {$1000.00} to my card secondary savings account. Come XX/XX/2021 I tried to access my card via web at first it said temporarily closed, so then I called customer serve number on the back of the card XXXX spoke with a lady she act like she could not give me any info, so then she transferred me to a guy he said it seems I violated their card policy but could not tell me what the violation was!? So we got disconnected I called another number my mom found on XXXX got ahold of a rep explained issue and they put me back through the line to the number I called above, however this time a lady listened to me but told me it was nothing she could do on her end with, y account being closed, however I could write their corporate office and get my situation resolved in 7-10 business days after receipt of letter, asked what to put in the letter she was no help with that, and I told her ma'am how can they hold someone money and not give them access or no real explanation about and I stress that I felt they have scammed me! the lady gave me XXXX XXXX XXXX XXXX, Ga XXXX address to sent a letter. I talked to my mom and she told me to write a letter asking for release of my funds left in the account of {$8200.00} and that my funds was legit from the SBA Dept of Treasury and we included my card aact number, my ID, and all the paperwork from SBA showing proof funds were legit. The letter and all this was set same day XX/XX/2021 and tracking showed they received the letter XX/XX/2021 and now it is XX/XX/2021 and still no response back from the company, and now when I called they have all my access info blocked unless I call from another phone!? Please someone help me retrieve the rest of my funds!! I called SBA about said they was not able to retrieve the funds but encourage me to update my banking info in their system to stop further funds from going to that account and that I did hopefully in time!! 


( my address ) : XXXX XXXX XXXX XXXX, Tn XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
In early XX/XX/2021, I paid home appraisal fee to Loan Depot and received loan estimations on XX/XX/XXXX and XX/XX/XXXX with total service cost ( A + B +C ) {$3300.00} and {$3400.00}, respectively. Loan Depot did not close the case without any reason. On XX/XX/2021, Loan Depot sent me another loan estimation with total service cost {$4300.00}. On XX/XX/2021. Loan depot sent me final loan estimation with total service cost {$5200.00}. Loan Depot increased total service fee {$1800.00} without any reason. 
Although I submitted all of required documents at least 7 days before due days, Loan Depot never kept their promise and raised service fee 4 times. 
Due to Loan Depot 's illegal behavior, I decided to apply loan from another company ( XXXX XXXX XXXX ). On XX/XX/2021, XXXX  XXXX XXXX  asked Loan Depot to transfer my home appraisal report ( I have paid fee ). XXXX XXXX XXXX and I have emailed this request 4 times and 3 times, respectively. After 21 days, Loan Depot still did not transfer the report. On XX/XX/2021, Loan Depot manager XXXX XXXX emailed that he had asked Transfers to do the task and would need 3 days. After 15 days of XXXX ' promise, Loan Depot did not fulfill the task. 
I have attached 4 Loan Depot Loan estimation with service fees {$3300.00}, {$3400.00}, {$4300.00}, {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
The loan was paid off on XX/XX/2021. The company was overpaid by by {$31.00} ( refunded ). The company also received another over payment ( GAP Insurance Refund ) in the amount of {$990.00}. I have been told numerous times that this amount was already refunded and mailed. I called multiple times requesting updates, but each time I get the run around and a different answer. The check was mailed to an old address from a previous account that has been inactive for 3+ years. All requests and address verifications were for the XXXX Street address. This also brings up security issues. I believe this was retaliatory behavior. The company was not happy about the previous XXXX complaint it CFPB complaint ( XXXX ). This money is very important to help cover my monthly expenses due to a financial setback due to COVID-19. This company is incredibly reckless and should expedite this refund. As a consumer, I should not have to be penalized for their mistakes.

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 2021-09-16 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
After following up for 1 month with Flagstar they continue to slow-walk me into the process of exiting my forbearance and now I need your help. I have called them at least 15 times and they have promised they would help me exit, but they continue to give me the run-around and make up excuses for why they wouldnt. Here are the details Due to COVID-19 I was forced to enter forbearance on my two mortgage loans with Flagstar Bank . I contacted Flagstar on XX/XX/XXXX, and on several occasions after that, to let them know I was ready to resume making my mortgage payments, and that a Payment Deferral would be the best path for me to exit forbearance. I have followed and completed all their requirements in a timely manner. However, I believe they are deliberately delaying the Payment Deferral process, and blocking my efforts to save my home and my rental property, since they know I will soon reach the maximum 18-month protections per the CARES Act, on XX/XX/XXXX. On the loan for my residence, they have sat on the application process for almost a month with very little progress, despite my continuous efforts to follow up ; and on my rental property loan, as part of their delay tactics, they have cancelled my Payment Deferral process 3 times for unjustified reasons. The first time on XXXX XXXX, for logging into my account on flagstar.com ; the second time on XX/XX/XXXX for having said I want to get out of forbearance during a call inquiring about my Payment Deferral Process status ; and the third time on XXXX XXXX because I pressed something in the phone system when trying to reach their Hardship Relief department and in actuality all I did was press the options to speak with an agent ; and to this day they havent reset my mortgages. This seem to be a repeat of their tactics from XXXX, when Flagstar was found by the CFPB to be delaying and blocking peoples efforts to save their homes.

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 2021-09-16 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:
They submitted my credit without my authorization, on XX/XX/2019, which hurts me since it lowers my average score, I appreciate deleting, this application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The following accounts were opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed items that are listed on my credit report XX/XX/2021. I have not heard a response in the 30 day time frame. 
I would like the items listed on attached removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
We have corresponded with the CFPB many times about our problems communicating with PHH Mortgage/ Ocwen Loan Service . 

There is contradiction from XXXX who acts for PHH/Ocwen . XXXX XXXX wording in his email XX/XX/2021 you will not receive any response directly from Ocwen Financial Corporation and you are advised that I also act as its attorney. 

There are too any words in Mr.Messingers response to the CFPB that are confusing to us like we have never said what we want. 

I will spell this out clearly.CFPB can you ask XXXX to respond that we understand. Yes we have asked for {$540000.00} I will sit down to meet with PHH/Ocwen talk on the phone zoom whatever way they want to communicate. 

Why talk I disagree that Ocwen did not do any wrong. 
XX/XX/2021 Mr.Messinger wording in his letter I have found no basis upon which PHH/Owen would have an obligation to pay you anything let alone {$540000.00}. 

I will stop this crusade and will except {$350000.00} That is what we want. There it is said clear dont ask again what do we want please. 

I will send a formal letter if needed by PHH/Ocwen . 
I will wait and hopefully XXXX will communicate to the CFPB that we know what XXXX wants. 
If there is no clear response we will take legal action. 

Respectfully to all, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
They submitted my credit without my authorization, on XX/XX/2019, which hurts me since it lowers my average score, I appreciate deleting, this application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: PA

Complaint narrative:
I sent in a dispute letter for incorrect information XX/XX/2021 and the credit bureaus have not replied in the 30 days. I am requesting an investigation into this matter. 
I disputed the following items to be removed from my credit file from Transunion, XXXX and XXXX. 
Incorrect names Incorrect addresses Past employers inquires that are outdated Debts that are not mine : XXXX : {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$710.00}, XXXX {$10000.00} Several Inquires XXXX XXXX ( 4 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) I am requesting these items be removed I am requesting these items be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: PA

Complaint narrative:
I sent in a dispute letter for incorrect information XX/XX/2021 and the credit bureaus have not replied in the 30 days. I am requesting an investigation into this matter. 
I disputed the following items to be removed from my credit file from XXXX, XXXX and Experian. 
Incorrect names Incorrect addresses Past employers inquires that are outdated Debts that are not mine : XXXX : {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$710.00}, XXXX {$10000.00} Several Inquires XXXX XXXX ( 4 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX  ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) I am requesting these items be removed I am requesting these items be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently noticed on all three of my consumer reports that XXXX XXXX is reporting negative remarks that affects my credit score negatively. I sent a request to validate the information they are reporting to the consumer report agencies mid XXXX. On the XXXX of XXXX I received a response from XXXX stating the loan listed was transferred. XXXX XXXX violated 15 USC 1692d ( 1 ), furnishing this negative item on my consumer reports is ruining my reputation, and it is defamation of character.

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 2021-09-16 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: NJ

Complaint narrative:
I recently noticed on all three of my consumer reports that XXXX XXXX is reporting negative remarks that affects my credit score negatively. I sent a request to validate the information they are reporting to the consumer report agencies mid XXXX. On the XXXX of XXXX I received a response from XXXX stating the loan listed was transferred. XXXX XXXX violated 15 USC 1692d ( 1 ), furnishing this negative item on my consumer reports is ruining my reputation, and it is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NJ

Complaint narrative:
I recently noticed on all three of my consumer reports that XXXX XXXX is reporting negative remarks that affects my credit score negatively. I sent a request to validate the information they are reporting to the consumer report agencies mid XXXX. On the XXXX of XXXX I received a response from XXXX stating the loan listed was transferred. XXXX XXXX violated 15 USC 1692d ( 1 ), furnishing this negative item on my consumer reports is ruining my reputation, and it is defamation of character.

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 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX there was a transaction for XXXX and XXXX then on the XXXX XXXX and XXXX totalling XXXX dollars I'm missing that never got put back on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and my complaint is against bank of America my wallet was stolen so I called I yo the bank to cancel my card and order a new this is when and how I found out my card was frozen, so I explain my situation and and have edd send over a document verifying who am this is around XXXX ( XXXX ) XXXX I was informed that within 3 business days I should hear back from the bank because by law the have to respond to the identity verification within 24 hrs not until about XXXX second when I called into check and was told that they received t but never processed it???????? Well past 24 hrs I know so the boa rep verifies me over the phone in addition to the notice from Edd And signs me up for a XXXX XXXX of {$290.00} after sending me out a new card so I get my card around the XXXX and on the it's frozen again for my protection without cause I didn't spend a lot of money so I call edd to have them email another verification to boa because I did realize my account was gon na be frozen again without any notice from boa again and for the next weeks I had the edd integrity department verify me several times a day being verified by them each time. Then one night I got an email from boa around XXXX XXXX XXXX saying my funding party had updated my account because somehow boa now had an old address as my current not the one on file with edd and where they sent my card too smh so the edd rep fixed my address where they mailed the id form so I call bank of America to find out what's going on and the rep tells me still no I'd form and nothing has changed in my account so confused and upset I go off on the rep causing her of lying to me so she put my account into a referral state where I had to go into the bank and put some kind of fraud notes my account unknown to me. So I went to the bank with the secondary forms of id my rental lease my debit card and proof of benefits but they ever looked at them so in the bank in front of manager I call verify have edd send over another verification I wait a week to call Boa this time after explaining my situation he verified that the night I got the text about edd updating my account they actually sent a release funds to boa and that same night the agent I accused of lying to me froze my account and put the negative notes in it please pull the recorded calls this agent caused my benefits to get terminated behind her malicious actions and why so any different boa reps completely just lied about my account and never getting Edd 's id 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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
All consumer reporting agencies are reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, all consumer reporting agencies are reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''

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 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
Purchased a new car on XX/XX/XXXX with a car ( XXXX XXXX ) as the trade. Old car financed with BMW Financial Services, new car financed with BMW Bank of North America. I tried unsuccessfully to work with the dealership to finalize the payoff on the old car. On XX/XX/XXXX, I contacted BMW to request help. Response on XX/XX/XXXX below. 

Since that time I now have the new car loan and the old car loan on my credit report. In addition, I do not have possession of the old car and canceled the insurance. At this time, I am concerned I am also responsible should anything occur on the car. 

I have communicated with the dealership the concerns to which the dealer has indicated it is due to a cross state transaction. This is not acceptable and I am now forced to make two car payments so as not to impact my credit score.

The response was : BMW Representative Financing Account : XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX Dear XXXX XXXX : Thank you for contacting BMW Financial Services regarding your account. We are happy to assist you. 

We apologize for any inconvenience. We do not see your payoff has been received yet for this account. We recommend to allow 7 to 10 business day for your payoff to be received and for your account to be terminated. 

We are committed to providing you with the highest level of service. If you have any further questions, please respond to this message or consult a Customer Service Advocate at ( XXXX ) XXXX, Monday through Thursday from XXXX XXXX. to XXXX XXXX  ET, and Friday from XXXX XXXX to XXXX XXXX ET. 

Sincerely yours, BMW Financial Services NA , LLC

Company response to consumer: Closed with explanation