vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 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: LEXISNEXIS
State: IL

Complaint narrative:
I happened to know of at least two people, XXXX XXXX Case # XXXX and XXXX XXXX Case # XXXX, whom no ID info was required. They in turn know others for whom the same applies. Your request is very suspicious and not required. The Fair Credit Reporting Act does though require that I be treated " fairly '', I assume that would include a manner consistent with other consumers. Your request is to say the least is inconsistent with past cases against you and smacks of delay tactics since by your own admission LexisNexis has not to this date " received responses '' from the credit bureaus. Please immediately remove the following public records from my file or provide me with the documentation to prove your request for my personal identifiers is warranted and consistent with other cases : US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Background Information : In XX/XX/XXXX, I hired a photographer, XXXX XXXX, for my wedding. Initially XXXX was booked for my original wedding date XX/XX/XXXX so she said that if I changed my wedding date, she would provide free 6 hours of videography. My husband and I agreed to move our wedding to XX/XX/XXXX, and we paid the deposit, {$400.00}, on XX/XX/XXXX. We paid {$1100.00} on XX/XX/XXXX and another {$1100.00} on XX/XX/XXXX. The invoice attached, # 137,  states 6 hours of wedding day coverage, 6 hours of video coverage, printing rights, online gallery, and a bridal session. 
After the wedding, XXXX stopped communicating, she lives in Idaho. She became difficult to reach and we did not receive sneak peek photos or anything until XX/XX/XXXX. I began inquiring about the video coverage but she either ignored my phone calls, stated she was in the process of moving or did not have internet. At one point she reminded me, per the contract, she had 8 weeks to deliver, XX/XX/XXXX, and she mentioned that she'd reach out as soon as the video was ready. 
On XX/XX/XXXX, when I still had not received the video coverage, I reached out and I received no response through text, email or phone calls. Since then she has not indicated that she is working on our project. XXXX XXXX does false advertising and doesn't complete projects within the contracts timeframe. If we knew that we would not receive the video then we would have gone with another company and kept our original wedding date. It seems as though she baited us with the incentive and never intended to complete such project. 
Reading XXXX reviews of her now, many other clients are stating the same thing and are pursuing legal action. She had done this multiple times to other clients. 
I sent a XXXX online complaint on XX/XX/XXXX but she refused to reply and XXXX   closed the complaint as a no reply from business, I reached out to Bank of America over the phone to attempt to get my money back as this was clearly fraud. Over the phone, in XX/XX/XXXX, the representative of Bank of America stated that because it had been over a year since the first transaction of {$400.00} ( XX/XX/XXXX ), she was unable to pursue the claim but she could pursue the other two claims on XX/XX/XXXX and XX/XX/XXXX. I understood that was fair and shortly after I received a credit for {$2300.00}. 
However on XX/XX/XXXX, I received a message from Bank of America stating the time frame for them to pursue this matter was closed, contradicting what was stated over the phone. Over the phone the representative stated they had a year to pursue the claim. It is unethical to contradict this statement especially in the face of fraud.

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 2019-01-08 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: FL

Complaint narrative:
Checked my credit today XX/XX/2019 and saw that XXXX has not deleted the account.

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 2019-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I have contacted XXXX about this medical debt several times. I have told them that the debt was written off by XXXX XXXX hospital because Im a XXXX XXXX XXXX. I have secured a part time job and I need to pay to have this debt deleted. I can pay 40 % of {$490.00}, which is {$200.00}.

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 2019-01-08 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was notified that a new account had been opened in my name. I immediately disputed the item with XXXX. On XX/XX/XXXX, the investigation was complete. According to XXXX, the item was accurate and updated. On XX/XX/XXXX, I contacted the creditor. The rep 's name is XXXX XXXX. According to XXXX XXXX, the account could not be verified by the account number reported on my credit report. He tried to verify the account using my name but was not successful. Mr. XXXX did ask for my social security number. I did not provide that information over the phone. I requested a second investigation on XX/XX/XXXX, with XXXX. As of XX/XX/XXXX, XXXX  is documenting this item as accurate and it remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Checked my credit today XX/XX/2019 and saw that XXXX has not deleted the account.

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 2019-01-08 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: FL

Complaint narrative:
Checked my credit today XX/XX/2019 and saw that XXXX has not deleted the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My son purchased a XXXX XXXX XXXX without a title. We went to DMV for advice/info.  They researched history and found a bank that was the last know lienholder of his dirtbike. XXXX XXXX XXXX. It turns out that this bank has been boughy out by Capital One. DMV asked that Capital One indicates in writing ( notarized ) that they either release the title or indicate they have no interest in the title. Capital One did this. However, DMV was not satisfied with the notarized statement of non interest from Capital One. DMV needs Capital One to release a disclosure of the bank and or banks they have bought out that may or may not be affiliated with XXXX XXXX XXXX or specifically thereof. I have contacted Capital One via phone and fax on nemerous occassions. Have been told that response time may take up to 30 days. I have paid DMV all fees and and I just want to get a title created for my sons XXXX XXXX XXXX XXXX to be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 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: PA

Complaint narrative:
On XX/XX/19 I submitted a dispute claim with Experian, due to an {$1100.00} electric bill was run up by someone using my SSN, being found to be a fraud account, and removed by XXXX XXXX and XXXX from my credit report. On XX/XX/19, Experian emailed me that the invesigation was finished, and results were available. Experian states that they have more information about the account, and will not remove it from my report with them, even though the collection agency signed off on it. I find this to be reprehensible that a company gets evidence in my favor, yet will not take the same action as the other agencies. I have had nothing but problems with Experian over the last 5 years, plus they want to charge me money to see my credit score, which to me, is throwing salt in an open wound. I am a veteran trying to clear my credit up to use my VA Loan Guaranty to buy a house, and I get abused by this greedy company. I'm tired of these credit companies having too much power, and XXXX on us veterans by artificially keeping our credit scores low.

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 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: PR

Complaint narrative:
For many years I have been facing an execution process of my property that was financed through a conventional loan through XXXX XXXX. c/o Seterus. 
I recently learned that XXXX was facing some cases or lawsuits due to mismanagement of the mortgage loans and the undue payment of interest in which I was a party affected. 
I understand that I have been a victim of these mismanagement and they continue to affect the present. 
I am currently at imminent risk of losing my property, I understand that I am a victim of fraud. I need to take action immediately.

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 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Self Lender Inc
State: IL

Complaint narrative:
www.selflender.com.. They will not refund my money and they keep charging my bank after i closed the account and refuse to pay me my money paid onto the credit rebuilder program. I need the money asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: TX

Complaint narrative:
Equifax NOTICE OF DEFAULT ACTION XXXX REF : alleged XXXX XXXX/XXXX   faulure to comply with the FCRA, FCA to a request for information. On XX/XX/2018 I emailed as per enclose documents to, XXXX has failed to provide any thing to me this is a official statement of fact. You Equifax are required by law to remove this alleged account for there failure to comply, warrants removal immediately. Please do so. All response will be forward to the CFPB for violations. This alleged account was disputed to both of you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
I have been trying to deal with XXXX for the last few years. They are very unhelpful and they will not give me realistic options to help with paying my student loan back. I do know that I took the loan out and I do plan on paying the loan back but I plan on paying it back the only way I can but they do not seem to work with you. I would rather see you starve or starve your family and all they are worried about is getting their payment. They make you think the only way you can go to college is through getting a loan with them and they take advantage of young kids. They are cheats and they need to pay. They harass my XXXX year old grandfather all the time because he was nice enough to cosign my loans. They call my work numerous times even after being told not to call them. I finally set up a payment and pay it for 3 months to come to find out that they only applied my payment to four of my loans and not all of them. But they failed to mention that to me also now two of my loans are behind which I had no clue. They are not here to help. They are making me think that the only way to get out of this situation is to XXXX XXXX. When researching online there is a large number of XXXX  every year as a result of student loans. This needs to be stopped and this company needs to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
We took out a mortgage with XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX it was purchased by XXXX XXXX and the alleged servicers have denied this fact so they have committed fraud on the Court and violated FDCPA, RESPA, TILA, FAC, etc. 

We have requested further information regarding the CANCELLED NOTE and they have yet to provide it so we have contacted the FBI to investigate. 

We have an automatic stay in place with the XXXX XXXX and have filed for an Order to Show Cause ( OSC ) why the Servicers and Trustees are not in contempt of Court for violating the automatic stay and have repeated that we want all the documentation regarding this loan including the CANCELLED NOTE as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
The homeowner has been trying to get a short sale done on his property for almost a year with the 2nd mtg. The 1st mtg was supposed to get a full payoff but the Buyers who are also the tenants, did not qualify for the loan and once they realized they did not qualify, became very hostile and now there is a difficult tenant-landlord issue here. They are hostile and we are undergoing a tenant eviction process at the moment but it has been a very long and arduous process with the homeowner that just wants to be able to short sell the property. The previous listing agent also was quite hostile and was difficult to work with until the homeowner switched listing agents to try to get another viable, legitimate Buyer for the house. We finally got an offer but at the same time that this offer was presented, Mr.Cooper sends a foreclosure notice via the Foreclosure attorneys on XX/XX/XXXX. We immediately request a postponement request to Mr.Cooper but was told that because we did not send in a short sale packet to Mr.Cooper 37 days before the foreclosure date, they would not be able to postpone the foreclosure date. As you can see, XX/XX/XXXX to XX/XX/XXXX is not even 30 days. The homeowner was not aware of the foreclosure date until he got the letter on XX/XX/XXXX. We have sent in the entire short sale packet to Mr. Cooper and have tried to initiate this in XXXX, the website platform that Mr Cooper processes short sales with, but we need your help in getting this sale postponed since Mr. Cooper has not given the Homeowner the option of fully exploring the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This complaint details American Express Membership Rewards freezing my account after attempting to transfer points to XXXX 's XXXX XXXX in accordance with Terms & Conditions of the program, and Membership Rewards accusing me without any evidence of selling points. 

On XX/XX/XXXX, I linked my XXXX XXXX account to my Membership Rewards account. Immediately thereafter, I attempted to transfer XXXX points to XXXX online. After initiating the transfer, the Membership Rewards website gave me an error message stating that they couldn't complete the transfer because " of an attempt to sell '' Membership Rewards points ( error message attached ). I called Membership Rewards and the agent replicated the error message, told me that my account was frozen and that there was nothing that could be done until the account was reviewed. As of the current time and date ( XX/XX/XXXX ) my account is still frozen. However, I need to transfer the points expeditiously to complete an award booking. 

The accusation that I am selling Membership Rewards points is preposterous. I have been an American Express/Membership Rewards member since XX/XX/XXXX and have always complied with Program Terms and Conditions, and done absolutely nothing to even remotely suggest I am selling points. In particular with regard to this transaction, there is nothing that I could do differently to suggest I am simply attempting to use the program per its Terms and Conditions to make a personal award flight booking ( linking account and transferring miles earned over the last two years ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Took the hurricane Irma mortgage 3 months assistance, now I got served a civil action summons on XX/XX/XXXX with 20 days to respond. I have been in contact with Flagstar Bank and sent them all the paper work they requested for a modification at least 7 times ( mail an via email ) over the past 6 months. They still can not and will not help me. Every time I call they say we are working on it or we need this paper or that paper which we have already sent again, but send it again anyways. They sent back my payment as well. Please help my family.

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 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Last year on XX/XX/XXXX, I booked a cruise for my family for this year XX/XX/XXXX - XX/XX/XXXX, using my Bank of America Master Card. 
In XXXX, I contacted the travel company to confirm my dates, but they had sold out and the new company decided to charge us after a couple of drawn out phone conversations and additional {$1600.00}. As a result, I canceled the trip and was told that a refund will be sent. After two months and not getting the refund, going back and forth with the travel company, they finally told me that I should contact my bank and ask because it was sent as agreed. Back and forth between me calling the bank, the merchant and the travel company, finally I decided to open a dispute. The funds were finally in on XX/XX/XXXX. Seeing this and knowing I had paid off my balance on the credit card in XXXX and brought my balance to {$0.00}. I decided to move my credit balance ( my money ), to my savings account - which I did on Saturday morning via online transfer. 
On Monday I noticed I had a fee of {$99.00}, representing 5 % fee on cash advance. I called the bank and reminded them that it was not a cash advance but funds that were my credit balance that I moved and so they should see that the fee is removed. Going back and forth between the associate and her supervisor, they finally concluded that I can not be refunded the {$99.00} that I have to pay the fee for moving the money - that I should have called them to move it rather than move it myself because it triggers a 5 % fee and I agreed to the fee. 
I noted before hanging up that the money was not the banks, and since it was not a cash advance on my credit card, I think it is unjust to ask me to pay a fee on my money. 
I know it is not a lot of money in the eyes of the bank, but it is a lot to me. 
I would like you to assist me in resolving this issue. 

Thank you, 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 monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We have sent in the entire short sale packet to Wells Fargo including the offer as of XX/XX/XXXX. The negotiator actually acknowledged the file being complete as of XX/XX/XXXX. Then we received a letter from the Homeowner stating that Wells Fargo is foreclosing on his house on XX/XX/XXXX. We have actually been sending short sale documents ( homeowner 's documents ) to Wells Fargo since XX/XX/XXXX but recently got an offer in XXXX. The offer was acknowledged and we are actually undergoing a value dispute review at the moment which we were told, could take up to 10 business days to complete, so it is completely strange that Wells Fargo would put a foreclosure date less than 37 days before the date they assigned and then sent the letter to the Homeowner less than 30 days before the foreclosure date. We were told by Wells Fargo that they can't help us postponing the foreclosure date despite the fact that we are in the middle of short sale negotiations and to reach out to the Foreclosure attorney. Knowing that this is not how foreclosure processes work, we are appealing to CFPB in order to assist in postponing the foreclosure date. On top of this, the homeowner is dealing with a very hostile tenant and is undergoing a difficult tenant-landlord situation.

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