vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I took out a loan in XX/XX/XXXXwith XXXX XXXX XXXX XXXX XXXX XXXX for {$310000.00} and the balance today is {$330000.00}. The loan was sold to XXXX XXXX ( XXXX ) in XX/XX/XXXX and they were showing a much lower balance. Caliber Home Loans now claims to be servicing the loan for some XXXX Master Participation Trust which is just an Agent allegedly pertaining to XXXX XXXX. They securitized my loan and did not send me a copy of the IRS filing documents as requested in the following letter to them. 

CALIBER HOME LOANS XXXX XXXX XXXX MASTER PARTICIPATION TRUST ( AGENT ) XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, ET AL Dear Sirs : We attach a copy of a Court Order and this Qualified Written Request ( QWR ) for an accounting of the loan you are alleging to be servicing on behalf of Fannie Mae. We would like a complete accounting and a copy of the cancellation of debt when the note was securitized filed with the IRS form per 26 USC ss. 108i from the Trustee, Trustee Corps for our Attorneys as stated below : This is an IRS form that servicer trustees must file who put your mortgage into a stock pool. 

Please use my cusip number ( s ), to prove that I didn't sign a mortgage but an investment contract that I was made an accommodation party to but not a participant. 

Did you sell these unregistered securities and are in possession of contraband. 

Also there should be Cancellation Of Debt ( COD ) when the mortgage Security was converted to a stock ( 26 USC ss. 108i ) ; Did it make it into the REMIC?

Thank you and we wait your reply. 

Mr. & Mrs . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : XXXX ( XXXX ) XXXX Encl./ Court Order from Federal Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2019 fraudulent charges were made on my Bank of America credit card. Several different charges and different amounts were made, all of them to XXXX XXXX. Halfway thru the charges being done it was flagged as fraud due to the large amount. I spoke with the company and confirmed it was fraudulent and they took immediate action. Unfortunately this caused further confusion on the account as some charges went thru, some did not, and then on top of it XXXX XXXX refunded some of the charges. It appeared that our account went up approximately {$4000.00} dollars before the claim was handled and credited. On XX/XX/XXXX we received correspondence from the credit card company that the merchant had credited us for {$1900.00} so they were going to reverse the credit they gave us. We then received a second correspondence on XX/XX/XXXX that they had completed their investigation and it was considered closed. On XX/XX/2019 they added {$4300.00} onto our credit card balance stating that they had double credited us in XX/XX/XXXXand added back interest as well as other fees onto our account. Since the claim was already closed how are they able to still claim we were double credited? I could not find evidence that we were double credited and even if we were why are we being punished for their mistake through the fees and interest?

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 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: OH

Complaint narrative:
This company is fraudulently attempting to collect that is not owed. They are stating I owe XXXX XXXX XXXX {$75.00} and my account was referred to them. the closes amount I owed to the amount they are asking for was {$72.00} and I paid it at least two weeks before I received the letter and more than 1/2 that amount would be for the current bill. That is due either on the XXXX or XXXX of this month. The name of the company is LJ Ross Associates XXXX XXXX XXXX, XXXX, MI XXXX, ph XXXX, web site : XXXX their account # 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 2019-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I transferred {$800.00} from my checkings account to my cash app account. I then moved the money from my cash app account to my secondary account. The account was then closed by cash app for unknown reasons and cash app will not let me retrieve the money. I have sent several emails to cash app but they only send automated email responses. They do not have a customer support number in order to talk to them. I have tried everything i can think of to try and gain access to my funds but i have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
I RECEIVED AN ALERT THAT THIS COMPANY HAD ADDED THEMSELVES TO Y CREDIT REPORTS. I DON'T HAVE A CLUE AS TO WHO THEY ARE OR WHY THEY ARE TRYING TO SCAM ME OUT OF OVER A THOUSAND DOLLARS. I HAVE NEVER RECEIVED ANY INFORMATION FROM THEM. I DISPUTED WITH THE CREDIT COMPANY THINKING THAT WOULD FORCE THEM TO SEND ME SOMETHING IN THE MAIL TO EXPLAIN THIS DEBT AND THEY HAVE NOT. I CONTACTED THIS COMPANY AND GAVE THEM MY INFORMATION ( SOCIAL SECURITY NUMBER ) AND THEY COULD NOT PULL ANYTHING UP. NOT EVEN THE AUTOMATED SYSTEM COULD PULL UP ANYTHING VIA MY SOCIAL SECURITY NUMBER. THESE FOLKS TRANSFERRED MY 3 TIMES AND WAS GOING TO TRANSFER ME A FOURTH TIME UNTIL I REFUSED TO. THEM XXXX OR WHATEVER HIS NAME WAS TOLD ME THAT IT WAS POSSIBLE THAT XXXX WOULD NOT KNOW ANYTHING ABOUT THIS ACCOUNT. BUT IT IS SUPPOSE TO BE A XXXX XXXX THAT THE ARE COLLECTING FOR I DON'T KNOW WHAT KIND OF OVERSEAS SCAM ARTIST THESE PEOPLE ARE BUT IT'S DISGUSTING.THIS COPANY NEEDS TO BE INVESTIGATED. ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: FL

Complaint narrative:
Hi, recently I have completed paying my lease with VW Credit. Per my turn in settlement invoice, I have excess mileage that resulted in an invoice of {$12000.00}. VW Credit is asking me to pay this amount in full, however I advised them via email ( see below excerpt ) as to my financial situation and their response was for me to call them to discuss Original Inquiry on XX/XX/2019 XXXX XXXX  CST : Good Day, I am in receipt of the turn-In Settlement invoice for {$12000.00} asking for payment in full. Unfortunately, I do not have the ability to pay this amount in 1 lump sum. My original plan was to purchase the car upon lease completion, however, the local VW dealership was unable to get my application approved without a substantial down payment. Unfortunately, because I needed a car, I purchase another vehicle and opted to turn in the XXXX. This has put somewhat of a strain on my finances. At the present time, I can offer to pay {$150.00} per month until the debt is paid in full. In the event my financial circumstances change, I will pay more or pay the debt off much sooner. Please send written correspondence with your reply to my mailing address XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX FL XXXX Sincerely ; XXXX XXXX Subsequently, I called VW Credit on XX/XX/19and advised of the same. I was advised that they will only take {$400.00} per month instead of my offer of {$200.00}. I advised the representative that I initially tried buying this car but was unable because the few banks that approved me for financing wanted a very large lump sum down payment which I do not have. The end result is I had to buy another vehicle which puts more of a strain on me financially. Lastly, although the rep told me they don't offer payment plans of {$200.00} per month, I advised them I just recently paid off a prior loan ( similar situation ) however they still refused and threatened to place my account with a 3rd part collection agency. I value my credit and have worked very hard to build it to where it is today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Closed an account from XXXX XXXX  with cashiers check as I was moving to another location which did not have XXXX XXXX. I then opened an account at local XXXX XXXX XXXX branch and the cashiers check I had didn't deposit until about 90 days, XXXX XXXX XXXX requested documentation and the proof that it was a valid check. I called the previous bank ( XXXX XXXX  ) and the branch manager sent over motorized check/copy and letter confirming it was a valid check not suspected fraud as XXXX XXXX XXXX implied. XXXX  XXXX XXXX closed the account and placed suspected fraud on the XXXX which severely refrains me from opening an account at any other bank. This information is false and need to be removed from my history as I am not a 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 2019-10-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: IN

Complaint narrative:
I filed a claim for unemployment in Indiana my request was grant by XXXX unemployment and by my employer to pay the claim XXXX. My first 7 days was a waiting week. XX/XX/2019 - XX/XX/2019. the 2nd week XXXX I filed my claim on XX/XX/2019 and was paid {$390.00} on XX/XX/2019. 3rd week I filed my claim on XX/XX/2019 and was paid {$390.00} on XX/XX/2019. The 4th week I filed my claim on XX/XX/2019 and was paid {$390.00} on XX/XX/2019. I contacted the Eppic.card company when my first posting on XX/XX/2019 for pay to make sure they had all the information for my debit card they said yes and that my card would arrive in 5 to 7 business days. On the 6 Day I contacted them again because now I had 2 pays in their accounts and no way to get my money without the card. The man started asking me a lot of questions from Eppicard company and transferred me to another agent and that agent said they had to block my card because I didn't answer the question correctly about using the card. The XXXX unemployment personel corrected this problem. I now have 3 pays in my account, and Eppicard company is saying that it takes 7 to 10 business days to receive my card. they are holding my money {$1100.00} Why is it taking so long to get a cards XX/XX/2019. WAITING. Eppicard Phone # XXXX XXXX ) XXXX ( RIDICULOUS )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: FL

Complaint narrative:
I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.

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 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: OH

Complaint narrative:
I sent out a dispute to discover financial about an account on my credit profile that does not belong to me. On XX/XX/2019 i faxed a dispute letter my social security card drivers license utility bill affidavit of identity theft and also a police report which will be included in this complaint. I received a response to my dispute from discover bank on XX/XX/2019 stating that the account ending in XXXX was found to be valid. In my dispute i requested that discover delete the trade line off of my credit report unless they conclude that the trade line item is verified, I requested details of there method of verification used to determine the accuracy and completeness of the information they included about me in a consumer report. In there response to the dispute they did not send over proof that the account belonged to me and they also did not send over there verification methods as i requested there response to my dispute will be attached as well. I spoke with a representative today XX/XX/2019 again about this matter i asked why are they trying to collect on a debt reported as identity theft and the representative told me that my affidavit and police report is not proof of identity theft. This inaccurate information that is being reported about me is causing me serious stress and damaging me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: FL

Complaint narrative:
I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.

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 2019-10-17 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: FL

Complaint narrative:
I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: Westlake Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX continues to furnish inquiries on credit file. Made several attempts to have inquiry removed. Company failed to respond. Complaint is 30 days without a response. Requested a validation of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Overview My Recommendations1 Accounts Credit Cards Loans Auto Resources TaxFree audit defense Profile & Settings Back to score details Based on Equifax data Credit changes Current score XXXX XX/XX/XXXX No score change We found no changes to your Equifax credit report. 
Expecting a change that you dont see? Equifax may not have updated your report yet.

Help us improve your experience Was this information helpful?

Yes No XX/XX/XXXX 5 pts to XXXX We found 4 changes to your Equifax credit report.

Balance Decrease XXXX XXXX XXXX XXXX   Balance Decreased by {$57.00} XXXXXXXX XXXX XXXX Balance Decreased by {$96.00} Balance Increase XXXX XXXX XXXX Balance Increased by {$34.00} On-Time Payments XXXX XXXX XXXX 2 Payments Made on Time Hide changes XXXX XXXX No score change We found no changes to your Equifax credit report. 
XX/XX/XXXX pts to XXXX We found 1 change to your Equifax credit report. 
Balance Decrease XXXX XXXX XXXX XXXX Balance Decreased by {$240.00} Hide changes XX/XX/XXXX pts to XXXX We found 1 change to your Equifax credit report. 
Accounts In Collection Removed XXXX  XXXX Account Removed Hide changes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
XX/XX/2019, XXXX XXXX contacted me stating that I qualified for refinancing on FHA loan due to making payments on time. 
He was giving all the required paperwork and signatures. My information was forwarded to another company ( XXXX XXXX XXXX XXXX ). I was contacted by their Loan Processor XXXX XXXX to finish the process. I asked her if the XXXX mortgage payment could be skipped since we were refinancing. She told me that she would update the loan amount and that it would take a few days. She told me that she would contact me if there was an issue with skipping the payment. I never heard from her or Lakeview Loan Servicing about the status of my refinance. I called XXXX and emailed her as well. I also left voicemail for XXXX to call me back which he never did along with emails. I was finally able to catch XXXX in the office and I asked about the refinancing and he told me that it was cancelled due to missed payment. I was never notified from either companies that the refinancing would be cancelled because of this. They reported the missed payment to the credit bureau. There was no communication for me to make the payment and both companies dropped the ball. I am more upset with Lakeview Loan Servicing for not following up given that they were using XXXX XXXX XXXX for the refinancing. I have never missed a payment until this point and I am being penalized for the lack of professionalism and communication by Lakeview Loan Servicing.They are responsible for using a financing company that did not know how to do their jobs. I have never missed a payment until they came to me with the refinancing option. Someone should have called and communicated with me before it was even report to the credit bureau.

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 2019-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I had a small personal loan with this institution for almost 1 year to make small investments as work as a checking account and personal loan of {$500.00}. 
Back in XX/XX/XXXX I called the company to find out why my investments were not moving at all plus I paid off my small loan early. 
I was told they would look into it and call me back after their investigation. In the mean time they suggested I reopen for another small loan to keep my credit report in good standing. I agreed and received loan. 
In watching my account I still noticed my investments were not moving. I called and was told investments were no longer available and I could not do anything with it until my new loan was paid off. I stated why was I not advised of this information. I would have never taken out the small loan again and just closed out my account and take what was in there.

Now today I get an alert from my 3 credit bureaus stating my score went down .45 points because moneylion claims my account is closed. I again called them and they said my accounts were open and I can dispute with credit bureaus myself. I told them absolutely NOT your company reported it now you fix it. I also requested a manager to come on the line to handle this issue along with the investment account issue. Well they put me on hold for a total of 1 Hr and 56 mins and never came back in the line. While being on hold I used my landline phone and called took 30 mins to get through to them. I explained about being on hold along with my issues. He said I will either get a call, or email from company trying to fix the credit report however I can not remove my investment until new loan is paid off. Do it just sits there. I told him I want a personal phone call not an email regarding my problem. I did not appreciate being put on hold for almost 2 hrs and still no one picked up the other line and that I would be reporting them to your offices. I am XXXX and dont appreciate being taken advantage of. I want my investment money back my credit report fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: MO

Complaint narrative:
Have disputed 3 items now with aExperian for the second time, and all I am getting is that is being verified without them proving or providing any kind of documents or signature proving the account s are in fact mine. All they are doing is using the XXXX system that says. Yes. Is his account s.

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