vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: NEW YORK COMMUNITY BANCORP INC
State: KS

Complaint narrative:
We recently worked with Flagstar to sell our home through an assumable loan. Our loan # was XXXX. On XX/XX/XXXX, {$1400.00} was withdrawn from our Escrow account in Flagstar towards " Insurance '' ( Homeowner 's insurance ). When our home, located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX closed on XX/XX/XXXX, we contacted our Homeowner 's Insurance Company, XXXX, to let them know of the sale, cancel our policy, and request a refund. Our refund amount seemed small ( {$270.00} ), so I asked about the {$1400.00} payment, and XXXX confirmed they never received that payment. They also confirmed our insurance would have renewed in XXXX, not XXXX. 

Upon investigation, we found out Flagstar misappropriated our funds in our Escrow Account and withdrew {$1400.00} from our funds to pay for the Buyer 's Homeowner 's Insurance. This is not a contractual obligation we agreed to and solely a mistake of Flagstar as we are not responsible for the Buyer 's Homeowner 's Insurance. This was done without our permission or knowledge as Flagstar paid someone else using our money without our permission. 

Escrow had been told that the premium had been paid outside of escrow. '' The insurance company sent the copy of the policy to Flagstar in anticipation of closing ( which they are required to do ), but Flagstar took it upon themselves to pay the premium BEFORE we closed escrow. Flagstar took the funds from our impound/escrow account in XXXX to pay the Buyer 's premium one month before we even closed. This is why escrow was told it was paid outside of escrow. '' The {$1400.00} was paid to a policy held by XXXX XXXX ( the Buyer ) at XXXX XXXX. The policy number is XXXX and the check number for the payment is XXXX. As you can see, this is not towards our ( the XXXX 's ) homeowner 's insurance as our insurance was held under XXXX and XXXX XXXX, at XXXX, with a policy number of XXXX. 

I contacted Flagstar on XX/XX/XXXX about this, but Flagstar has refused to give me any additional information on the loan since we no longer own our home anymore. I was asking about payments made when the loan was in OUR name, so they are withholding information. Flagstar misused our funds to pay for someone else 's insurance, without our knowledge or permission. We expect Flagstar to make this right, and reimburse us our {$1400.00} that they misappropriated and used for someone else.

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 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XX/XX/2023, I made a {$4000.00} promotional balance transfer to my Chase credit card and was charged a {$200.00} fee. 

The XXXX statement correctly shows the balance transfer promo balance, but in XXXX the balance disappears. From that point on I have been charged an interest fee on the entire balance of the card. 

After contacting Chase, they are stating that because a made a purchase, and because I didn't pay the entire balance of my card off, including the balance transfer, I forfeited the right to the balance transfer promo rate. 

I completely understand losing the right to the grace period on purchases, but it doesn't make sense that I should lose my promotional rate that I had to pay {$200.00} to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/year> sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that the furnisher ( Capital One ) STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to the Capital One on XX/XX/year> : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I received three, XXXX XXXX  American Express prepaid cards as gifts. Over the last 60 days, I have attempted to used them at more than a dozen online and XXXX XXXX XXXX XXXX  that accept American Express, and they are uniformly declined. Several retailers have bent over backwards and tried processing them in all variety of ways, and the result is the same. I have repeatedly verified the balances, and all three have a {$25.00} balance. Even a cursory internet search demonstrates that this experience is nearly universal, and neither American Express nor their third-party administrator are of any help whatsoever. Indeed, I'm confident the CFPB has received numerous complaints of this sort. The only advice I was able to get from the American Express website is to purchase only items less than the available card balance. Not only did this not work, but even if it did, this strategy would guarantee I would be unable to use my entire balance. I've even tried to sell the gift cards on a third-party site, only to find they no longer accept AMEX cards for sale because of so many complaints. At the very least, the cards are merely useless -- -and at most they're a deliberate scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/year> sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that the furnishers STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to the Discover on XX/XX/year> : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Starting the XXXX of XX/XX/XXXX my XXXX XXXX which had a {$1600.00} credit balance but zero ( {$0.00} ) charge balance suddenly had charges appear. To XXXX credit I was notified of sudden charges that did not fit my pattern. They were all eventually removed from my account ( mid XX/XX/XXXX ). I found out that the person who committed my fraud problem actually changed all of my information on my account from address to email accounts. I could not verify my identity so that I could get everything monitored. I was requested to send a copy of my drivers license and a letter verifying my identity. They acknowledged the letter and reset everything. In XX/XX/XXXX I was notified of a {$2600.00} Charge Off ( CO ) from XXXX was recorded. I tried to access my account and again I was not allowed as it was not my personal information that was on my account. They refused to acknowledge my information and demanded another letter with my personal information attached. I again complied and sent a copy of my initial police report on the theft in XX/XX/XXXX. I have sent copy after copy of the report. The investigator in New Mexico has provided his personal cell phone and email address as well as the investigations department number and email for any and all creditors to validate the fraud. Now I can not get them to take off the fraud which has destroyed my credit and I can not complete the purchase of my house due to this fraud. I am a XXXX XXXX XXXX XXXX XXXX XXXX  veteran. Who is XX/XX/XXXX and if I did not have the kindness of a relative my family and I would be homeless. Please intervene. I can provide copies of the aforementioned information.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Starting the XXXX of XX/XX/XXXX my XXXX XXXX which had a {$1600.00} credit balance but zero ( {$0.00} ) charge balance suddenly had charges appear. To XXXX credit I was notified of sudden charges that did not fit my pattern. They were all eventually removed from my account ( mid XX/XX/XXXX ). I found out that the person who committed my fraud problem actually changed all of my information on my account from address to email accounts. I could not verify my identity so that I could get everything monitored. I was requested to send a copy of my drivers license and a letter verifying my identity. They acknowledged the letter and reset everything. In XX/XX/XXXX I was notified of a {$2600.00} Charge Off ( CO ) from XXXX was recorded. I tried to access my account and again I was not allowed as it was not my personal information that was on my account. They refused to acknowledge my information and demanded another letter with my personal information attached. I again complied and sent a copy of my initial police report on the theft in XX/XX/XXXX. I have sent copy after copy of the report. The investigator in New Mexico has provided his personal cell phone and email address as well as the investigations department number and email for any and all creditors to validate the fraud. Now I can not get them to take off the fraud which has destroyed my credit and I can not complete the purchase of my house due to this fraud. I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran. Who is XXXX XXXX XXXX XXXX and if I did not have the kindness of a relative my family and I would be homeless. Please intervene. I can provide copies of the aforementioned information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Starting the XXXX of XX/XX/XXXX my XXXX XXXX which had a {$1600.00} credit balance but zero ( {$0.00} ) charge balance suddenly had charges appear. To XXXX credit I was notified of sudden charges that did not fit my pattern. They were all eventually removed from my account ( mid XX/XX/XXXX ). I found out that the person who committed my fraud problem actually changed all of my information on my account from address to email accounts. I could not verify my identity so that I could get everything monitored. I was requested to send a copy of my drivers license and a letter verifying my identity. They acknowledged the letter and reset everything. In XX/XX/XXXX I was notified of a {$2600.00} Charge Off ( CO ) from XXXX was recorded. I tried to access my account and again I was not allowed as it was not my personal information that was on my account. They refused to acknowledge my information and demanded another letter with my personal information attached. I again complied and sent a copy of my initial police report on the theft in XX/XX/XXXX. I have sent copy after copy of the report. The XXXX in New Mexico has provided his personal cell phone and email address as well as the investigations department number and email for any and all creditors to validate the fraud. Now I can not get them to take off the fraud which has destroyed my credit and I can not complete the purchase of my house due to this fraud. I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran. Who is XXXX XXXX XXXX XXXX and if I did not have the kindness of a relative my family and I would be homeless. Please intervene. I can provide copies of the aforementioned information.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
On XX/XX/XXXX and XXXX, I received the attached letters from Moehla which makes zero sense to me. In addition, on XX/XX/2024, they sent me a bill stating that I needed to make a payment for XX/XX/2024, which I did on XX/XX/XXXX. I found out today that they applied it to XXXX still showing that I owe for XXXX. There wasn't a bill for XXXX because our loans were placed on hold due to their mishandling of our accounts. I want them to apply the payment ( made in XXXX ) for XXXX and forgive the loans that ended last XXXX which I listed on my last complaint. These individuals are crooks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
These corporations do not know the law. I've asked them all to cease and desist and it's being ignored. 

I have not missed a single principle payment but they continue to harass me. As I've stated over and over that it's legal to make a principle payment with the intention to pay interest at the end of the loan. This is called Freedom. This is America and not some XXXX foreign company that continues to harass. Concentrate on customer service instead of control and deep state corruption.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app wont semd me my statements or alllw me to access the account i used amd had a debit card with. Asked for statements and they wont approve my request and have made it impossible to regain access to this account despite showing my id and providing old account details including name email and phone.

Company response to consumer: Closed with explanation