vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: MD

Complaint narrative:
Several years ago my mortgage was serviced by BSI - somehow they recorded the WRONG parcel number when paying the real estate taxes on the property for a number of years. Subsequently BSI transferred the servicing of the mortgage to XXXX XXXX and communicated the erroneous parcel number to XXXX in the transfer. XXXX continued to use the money in my escrow account to pay taxes BUT not on my property. Subsequently, I was notified that due to NONPAYMENT the District of Columbia had sold my home due to delinquent taxes! In a conference call between myself, XXXX and DC the shortage was identified and XXXX paid the outstanding balance owed. XXXX is now billing me for the amount of the shortage which BSI withheld in my escrow account and paid for some other parcel. This is exactly what BSI was charged with in the settlement negotiated and finalized in XX/XX/2019. How do I get my money back from the XXXX at BSI?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I mailed in a Annual  Credit Report Request Form to all 3 credit bureaus but received no response. I set up an account online with XXXX and made 4  attempts to get a free credit report but they insist on charging me ; and their phone is automated with no helpful option that goes back to where it was before. I tried to get a free credit report from all 3 credit reporting agencies online but they refused.

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 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I mailed in a XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXRequest Form to all 3 credit bureaus but received no response. I set up an account online with XX/XX/XXXX and made 4 attempts to get a free credit report but they insist on charging me ; and their phone is automated with no helpful option that goes back to where it was before. I tried to get a free credit report from all 3 credit reporting agencies online but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a bankruptcy on my credit reports. The bankruptcy is stopping me from being able to get credit. I call the court they said they don't report bankruptcy to credit bureaus. I never follow through with bankruptcy. on my credit it shows that court house is reporting the bankruptcy. The credit bureaus says they get info from third party company. This bankruptcy should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: CA

Complaint narrative:
I have been a victim of identity theft. I have been calling and writing explaining this to Transunion but they keep reporting these accounts. I have told them these are fraud accounts and should not be on my report. I have sent them my ID, police report, & identity theft report in the past with the same results.

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 2019-08-15 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: CA

Complaint narrative:
I have told Equifax over and over by phone & by mail that I have fradugelent information reporting on my credit report. I have sent all the requested documents & they still report these fraud accounts. XXXX XXXX & XXXX XXXX XXXX are not mine and is FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 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: IL

Complaint narrative:
On XX/XX/2019, I placed an security freeze on my file with XXXX XXXX XXXX. On XX/XX/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. 

On XX/XX/2019, I sent Experian an letter demanding verifiable proof they have on file regarding the bankruptcies listed on my report. On XX/XX/2019, I received the following response from Experian regarding the bankruptcies listed on my report. 

Experian response : Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate Public record items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX 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 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I am a first time home buyer and on XX/XX/19 I was approved for a conventional loan by Quicken Loans by a representative named XXXX XXXX. I was told that a conventional loan was my best option because the houses I was looking at were in less than perfect condition. I found a home to purchase. This home was owned my HUD and my closing date for the home that I found was supposed to be on XX/XX/19, But I was unable to close on my property due to the fact that Quicken denied funding towards my property. They based their decision on the condition of the house. They said that repairs needed to be done before I moved in. I was told and it was also written by the appraiser that there was " Structural Damage '' to the house when in fact there was nothing Structurally wrong with the property because if there was then that would have been told to me by the home inspector. Due to the fact that the home was owned by HUD I was not allowed to enter the property to fix or repair anything because the home was sold " As Is ''. My real estate agent and I did every thing possible to help satisfy Quicken, we even offered an escrow hold back that would guarantee the work done once closed and they still denied that offer. I was denied at every level by Quicken, my complaint even went to the underwriters and they still denied me. At this point we had to look for new funding and in addition file an extension with HUD for an additional 45 days in order to find funding and still retain the property. During the process of finding another lender I spoke with a different lender and they said that they cant see how I even qualified for a conventional loan in the first place. When the next lender read over my loan application and estimate from quicken he said that the numbers didnt make sense and that I was being charged {$5000.00} to pay down points on my rate which I was not told my the quicken rep. At this point my 45 extension was denied by HUD they said they would only extend up to 15 day and because I had no funding at this time I had to forfeit the property and I lost my {$500.00} deposit to quicken and my {$400.00} deposit for the Home inspection and I had to fight and jump through hoops to receive my earnest deposit back from HUD. This whole process has been a nightmare to me, my family, and my real estate agent. I feel like I was WRONGFULLY denied because my loan was based upon the appraisal value of the house and not the condition. The house was being sold for XXXX and had and appraisal value of XXXX the house was not in great condition but it was " Liveable ''. Quicken loans has severely harmed me and my family and I would like action to be taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am trying to transfer out the balance from my account, which is {$5000.00} XXXX plus interest ). 

On 3 occasions I have requested this, and the bank has yet to respond. 

I requested this on XX/XX/2019, again on XX/XX/2019, and a third time on XX/XX/2019. 

Simple has not responded to any requests, and their website isn't functioning correctly to allow me to initiate the transfer online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I wrote a support email to MoneyLion telling them that my XXXX XXXX   account has disconnected all third-party apps and I was closing my XXXX account because it caused a lot of problems for me financially. I received an email back from XXXX on XX/XX/XXXX stating to uninstall the app and re-install, which did not work. On XX/XX/XXXX I wrote another support email stating that I needed to update my form of payment for my MoneyLion PLUS loan payments and membership to my MoneyLion checking account. I explained that XXXX still allowed them to draft the payment even though it is disconnected.On XX/XX/XXXX XXXX replied to me that she has switched my payment form to my MoneyLion account and that the previous payment has already posted and can not be refunded, so I just had to basically eat the overdraft fee from XXXX XXXX. She stated that it would take effect XX/XX/XXXX. It didn't, and I contacted support again on XX/XX/XXXX and said " I updated my account with a new debit card to take payments from but it still shows my XXXX and I got an overdraft for you attempting to take it out of XXXX when I explicitly said not to and you agreed it was removed. Please remove that account. '' I did not get a response. I wrote another support email XX/XX/XXXX stating " You are unauthorized to take any.more funds from my XXXX bank account. I changed to XXXX XXXX, updated that in my account and it is removed and XXXX is still there. I need this XXXX removed immediately. '' I still received no response. I tried to call, and it was an endless hold. I tried going online for support and it was an Artificial Intelligence Robot that did not answer questions. In the meantime, payments were still coming from my XXXX account that I was trying to close but was unable to because of the MoneyLion automatic payments activated. I contacted XXXX and they had the money refunded back to me, which went into my MoneyLion checking account. Since then, I have changed to a XXXX checking account which is easier for my direct deposit from work and tried several times to update that information in the app and it did not work. I went online and tried to update it in the account and it did not work. I made more attempts to contact MoneyLion by phone several times and it was an endless music hold. It still shows XXXX. I deleted XXXX several times on my own, and it still has XXXX. I am now past due on several payments and have marks on my credit report for non-payment. I am pre-collections now. I would LOVE to pay my payments, but it won't allow me to. It will not allow me to do anything and no one responds. Today XX/XX/XXXX I attempted to call again and it told me to leave my number for an agent to call me back. No one called me back. I sent a support email Ref # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc.
State: FL

Complaint narrative:
I wanted to take advantage of the opportunity to change my payment date due to my current payment date being due the same time as my mortgage payment. 
Upon logging into the Sofi App, I clicked on my existing personal loan and then clicked on my loan details, there was an option to click on called, due date. When I did, it allowed me to select another date within the month. I changed the date from the XXXX of each month to the XXXX. When I selected this option I was alerted to two notifications at the change of date : 1 ) it may take 1-2 cycles for the new payment date to take effect & 2 ) that I would not be able to make another change to my payment date for another 12 months. 

After 2 months my new payment date was updated, and I noticed immediately after I made my payment on the XXXX of XXXX and they made the change to the new date of the XXXX it was requiring me to make another payment in the same month ( XXXX ). I reached out to customer service multiple times through phone and email to inquire ; however, not only do I keep getting a different representative every time, but no tangible or sufficient information to show I received proper notification that if the new due date was more than 15 days in between selecting a new payment date ( companies policy ) that I would need to make two payments in the same month. 

In a few attempts in reaching out to customer service and asking to speak to higher level managers, I keep getting the run around in that the system should have alerted me and my responsibility to read before accepting ; however, the company cant seem to provide this notification that I would have seen or acknowledged. In fact, one customer service response was, I am not able to provide a copy since it is system generated on the customer side. Why is the company unable to provide a notification from their system to the consumer alerting an additional fee or payment upon selecting the option? Why cant the company show me I in fact received this notification or went it was sent. The company sends me notifications all the time regarding payments, balances, changes to my loan ... but no notification in my alert section about this double payment in selecting a new payment date if outside of 15 days. The app did not provide this information and therefore misleading in requiring a second payment in the same month when my original goal had been to help alleviate two large payments being due at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: AFNI INC.
State: MI

Complaint narrative:
In XXXX I discovered Afni Inc had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: IL

Complaint narrative:
On XX/XX/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. 

On XX/XX/2019, I sent Experian an letter demanding verifiable proof they have on file regarding the bankruptcies listed on my report. On XX/XX/2019, I received the following response from Experian regarding the bankruptcies listed on my report. 

Experian response : Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. Public record items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX 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 2019-08-15 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: MI

Complaint narrative:
This account was originally opened by me. However, I lost my wallet right after opening the card. The person who found my wallet mailed it back to me because my drivers license was in there however when my wallet was returned to me 2 gift cards, cash, and my chase card were gone. By the time I noticed some person in New York had ran up a balance of almost {$3000.00}. I called Chase as soon as I found out and they said they would investigate my claim. they later said that they denied my claim. I spoke to them a few times after that but was unsuccessful. I do not have any debt in my name other that this card. The thief took more than my chase card but there is no way to track gift cards and of course the cash is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Westlake Financial is reporting inaccurate information on my credit report. The vehicle has been paid off but they are showing a balance of {$5500.00}. Westlake repossessed my vehicle in XX/XX/2019. I spoke with them and made arrangements to recover the vehicle and made an agreement to settle the account for less than owed. As part of the vehicle being repossessed the tow company caused over $ 7k in damage. My deductible was {$2500.00}. I requested additional time to settle the payoff agreement with Westlake. They advised that they would work with me but I needed to make the second payment. I made the second payment towards the payoff. They repossessed the vehicle a second time and voided out the first agreement. They would not provide me with a copy of our settlement agreement. They then tripled the amount that was due on the settlement agreement. I had no choice but to accept the second agreement. The second settlement agreement has been paid off. Westlake is reporting the loan as having a balance of {$5500.00}. They are also reporting failed to pay every month after they charged the account off. This behavior is unacceptable and has been consistent with the way that they operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I submitted complaint number XXXX. 
My complaint has been closed without providing a proper resolution. 

I have been following up with company for last 4 months to get the wrong reporting done on my account corrected. I am not getting a proper reply. Every time I am being told it will take 20 or 30 days. Same thing they did with complaint I submitted with CFPB. 

Also, they didn't provide any update on my demand to compensate me for all the troubles I am going thru since last 4 months due to this issue. 

I demand a compensation of XXXX USD.

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 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Butler and Associates, PA
State: KS

Complaint narrative:
On XX/XX/XXXX I was garnished for {$940.00} at my job for XXXX XXXX XXXX   for a returned check. I know as a matter of fact I went and paid cash to this doctor for this check because I had to pick up my sons contact lenses back in XX/XX/XXXX. I also have been to see this doctor as a patient since this bounced check. However Butler and associates has collected this debt on behalf of Doctor XXXX at XXXX XXXX XXXX XXXX  in XX/XX/XXXXfor {$940.00} and the orginal amount was {$140.00}. When I contacted XXXX XXXX XXXX and told them I was being garnished they told me they did NOT hire an attorney and that long ago it was sent to XXXX. So if my doctor isn't the one who actually sued me and stated this and told me to contact XXXX. My sons contacts back then were ordered and had to be fitted so I know when they told me about that check I paid cash to pick them up, my son wore temporary contacts until I was able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: SC

Complaint narrative:
XXXX XXXX XXXX is not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint

Company response to consumer: Closed with non-monetary relief