vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
A rep called ... Did not identify herself aggressively asking to speak to me. I said this was me and asked who it was. She said I am being recorded and am attempting to collect a debt. Confirm the last 4 of your social. I said I do not know you do I will not just give you my Ssn. So she said well I will just tell you what I have. Then asked for my address and when I said what is this about she never stated. Then claimed I was not cooperating and she would end the call. I told her to that then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
I have BSI Financial Service for two Mortgage Loans. 1st mortgage ( XXXX ) and a 2nd Mortgage ( XXXX ) ... 

In XXXX, thru the investor on the account, we did a Restated Promissory note on the 2nd Mortgage ( XXXX ) and agreed to pay XXXX. The purpose was to bring the account, which it now is and to help get my credit cleaned up so I can refinance my loans. 

On XXXX BSI misapplied the XXXX to the 1st mortgage ( XXXX ). I have called this company over 20 times, working to make them understand that this XXXX was the first payment for the promissory note and I need it to be applied to the 2nd mortgage ( XXXX ). 

Over and over I have called them. Everyone I speak to says this and that. Everyone I speak to is like " oh my goodness '' we need to fix this ... Does it happen. No. No and NO. 

My " personal contact '' was XXXX XXXX. Who couldn't call me back if my life depended on it. So I have called to the investor and his staff to reach out to BSI to please Apply the XXXX received XXXX to Loan # XXXX and remove the XXXX late charge. Which They have done and were promised it would be handled. 

What does it take for a company to clean up their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
After falling on hard times and not being able to complete the original terms of the loan, I was able successfully complete a settlement agreement with NetCredit in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In 2017 I secured a {$1500.00} limit credit card with Chase per the recommendation of XXXX XXXX as a way to improve my credit rating and credit score. Every other week I pay the balance on the card in full. I have set up payments to be sent from my checking account at XXXX XXXX to Chase. I would check to see when funds were deducted from my checking account. Then I would receive notice from Chase the funds had been received and applied to my credit card account. Since day one Chase has arbitrarily placed holds on my card following a payment. There is no pattern to when the hold will be placed. Initially to solve the issue I would call Chase support. They would transfer me to another support person who would then call my bank to see if the funds had been sent. XXXX XXXX confirmed the funds had been sent, then the hold was removed. This scenario occurred the first year. Mid year two when this scenario would occur, I would call Chase costumer support and the initial person I would speak to would remove the hold. During the first two years reason for the hold being placed was : large dollar amount of the payment, payment amount was a certain percentage of my balance, payment amount was a certain percentage of my credit limit, payment amount was more than balance at the time of the payment. Chase could not tell me when holds would be placed. Now in year three the same scenario occurs, followed by the same process to solve the issue a Chase representative tells me they do not know why the hold has been placed on my count, they can not remove the hold, they can not tell me who I can talk with to get hold removed, they tell me they can not tell me policies have changed and they can not tell me where I can go to get information on holds. Thus my credit card has no available credit despite the balance is not at the limit. I can not use the available credit until Chase decides to remove the hold. In the meantime any automatic payments I have will be declined. Excuse me XXXX XXXX and Chase, how is this helping my credit? 
I have attached monthly statements below but they do not show that I pay my balance in full every other week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On or around XX/XX/2019 Psypal stayed notifying me of some sort of item that someone had sold using my psypal account. I immediately replied to the emails stating I had never ever sold anything on my account and didnt even know how to. Only to find out later no one answers or reads those replies I sent. Was told I need to go on my account to resolve. After many attempts and their site not being user friendly, and trying g to reach them by phone to no avail, I have up. They then eventually added an {$800.00} charge to my account and demanded I pay for it. I am now being harassed by them by email and phone to pay this fraudulent charge to my account. I have no idea what to do next and they are charging me interest. I did have a balance on my account at the time they suspended it and before this charge was added .... which I will gladly payoff once the correct amount is billed and my account reinstated.

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 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I purchased a money order of {$480.00} on XX/XX/2020 to send it to XXXX to pay my loan that I took from my life insurance. I sent the money order to XXXX and they returned it back on XX/XX/2020 stating that part of their policy was not taking any money orders over the amount of {$250.00}. They said it had to either be a bank check or another payment method that's not a money order. I immediately called MoneyGram customer service to explain the situation and they advised me to take it to my bank or to the address of purchase which is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I took it to XXXX XXXX  and they refused to let me deposit and told me to contact MoneyGram. I took it to the original address of purchase and they also refused to cash it. I called MoneyGram again and they told me to take it to XXXX XXXX XXXX XXXX XXXX, NY. They also stated that if there was an issue to contact them. The location gave me a form to fill out and send to MoneyGram. They told me there was a processing fee of {$18.00} which I was unaware about. I called MoneyGram again and they told me to mail it back and if I don't pay the {$18.00} processing fee it would be deducted from the {$480.00}. They also told me to write on the back of the money order " Not used for purpose intended ". I sent it to them on XX/XX/2020 by First Class Mail. I called them on XXXX and customer service told me it wasn't processed yet and the quickest way was to do it online. She walked me through the online application on XX/XX/2020. Since then I have been calling MoneyGram because I need to pay my overdue bill and they are not helping me. I have been on calls where workers told me to wait and have hung up on me. I need this money quickly to pay my bill. I now have late fees due to this incident and there is no way to pay my bills. On XX/XX/2020 it still says that my replacement request is submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was scheduled to be on a cruise that was cancelled by XXXX   XXXX XXXX due to the corona virus. I requested a refund to the original form of payment. I was told that I had to request the refund online but the website was not working. I called XXXX  numerous times and was not helped. I disputed the charge with American Express. XXXX told them that I was given a future cruise credit and that the refund was being denied because I had not requested it within 45 days. I attempted to get the refund numerous times within 45 days so this is not true. Also, they did not provide the refund policy to me when the cruise was cancelled. They are required to provide this by law. American Express has closed the dispute despite the fact that I paid for a service that I did not receive. The credit issued by XXXX was only for half of the amount that I paid. Also, the law is clear that they have to refund the taxes and fees. This is theft and American Express is allowing it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where was check XXXX funds ( principal, interest, Escrow ) applied, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
ON XX/XX/2020 ; I paid {$580.00} to EOS CCA ( Collection agency ) and  they told me I would receive a written receipt in 3-5 days. As of XX/XX/2020 : I still have not received that receipt for my payment. These collection agencies are quick to take your money but have excuses for why they can't send a receipt at the same time of the payment ; and then you don't get the documentation you requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Have a loan for XXXX XXXX XXXX, I financed the vehicle on XXXX XXXX the mature date for the loan is XX/XX/2020. I called to ask for the payoff date and amount. I was blown away they said over XXXX was the payoff. The total price I be paying for this car with 22 % interest rate is XXXX. The loan and interest rate seem a little over priced and only benefit the company profits. I like this matter to be look into and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: GA

Complaint narrative:
I have advised Equifax on several occasions that I was never late on any of my open accounts in XX/XX/XXXX. I have provided proof that these accounts where not paid late. I have also advised that the accounts reporting in collections are not mine and may be a result of identity theft, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Equifax has failed to plea their case to who is providing them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: GA

Complaint narrative:
Made several attempts to dispute. 
This was XXXX BK XXXX was filed in error!!!! Was not privileged to file and there no course of action was taken and was denied. 
Transunion has failed to verify whom they spoke with at the US Bankruptcy, and how did they investigate! I asked them to remove, as it was filed in error and the time permitted to file was premature and therefore not enforceable. I asked credit agency to remove in XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX. I stayed Please remove unverified public record

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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I've tried to get my creditors to report the correct Personal Information as : Name : XXXX XXXX XXXX XXXX XXXX : XXXX 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 2020-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
In review of my credit file, I noticed a collection debt in the amount of {$830.00}. I have attempted to contact the company through certified mail on XX/XX/20 in order for them to validate the debt but has not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am having issues with Experian disputes in regard to credit inquires that I did not authorize. I have opened up disputes directly with the creditors and they have all been of no assistance saying that they are not required to furnish me any documentation of the inquires on my report even after I advised them I never gave authorization. I submitted a complaint to Experian and instead of Experian looking into my dispute and inquires, Experian instead just said some of the inquires were no longer on my report. on XX/XX/2020 I am requesting that Experian investigate the inquires that I will be attaching to this complaint and delete all highlighted inquires as they were not authorized by me. I have tried to submit my claims to each company that did a credit inquiry on me without my authorization. I am now requesting that Experian conduct the dispute expeditiously. Experian dispute center reps have acted unethically in the past when I have submitted documentation to them disputing authorized activity.

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 2020-07-24 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: GA

Complaint narrative:
Made several attempts to dispute. 
This was XXXX BK XXXX was filed in error!!!! Was not privileged to file and there no course of action was taken and was denied. 
XXXX  has failed to verify whom they spoke with at the US Bankruptcy, and how did they investigate! I asked them to remove, as it was filed in error and the time permitted to file was premature and therefore not enforceable. I asked credit agency to remove in XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX. I stayed Please remove unverified public record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: IL

Complaint narrative:
I, XXXX XXXX, received two debit cards in the mail on XX/XX/XXXX. The debit cards were from XXXX XXXX and Illinois Unemployment. I found this suspicious so I took them to the police. They recommended that I check my credit reports. When I checked them my TransUnion report showed twenty-five loans from a company called XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. All loans were closed except four open accounts. The XXXX   report did not show any of these loans. The total amount in loans outstanding is {$290000.00}. I had not heard of this company nor did I do business with them. When I tried to call, XXXX XXXX XXXX XXXX, the phone number is not good. I tried finding them on the web and they do not exist to my knowledge. My bank, XXXX XXXX XXXX XXXX XXXX, pulled a credit report on XX/XX/XXXX and none of these loans appeared. I have filed a dispute with TransUnion and filed a claim with IdentyTheft.gov.

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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
there is a delinquent collection on my report that has been paid since early 2018. This just surfaced and we are was discovered because we are trying to refinance our house. We called the company reporting this delinquency. They researched it while we were on the phone and verified the account had been satisfied for some time. I asked them to remove the reported item and they said they no longer held the account and could not remove this item from out credit report. My mortgage broker suggested I file this complaint to get this removed as soon as possible so we could move forward with our refinance.

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 2020-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America will not apply my additional principal payments I make towards my RV loan. They place some towards Principal and some towards Finance charges and push my payment due dates out. I'm ahead of my payment schedule. My principal balance is not dropping by my additional principals paid. ( minus loan pay, etc. ) I've contacted Bank of America a couple of times about this problem. I just got off the phone a 3rd time since I've had this loan with XXXX who tried to explain ( but couldn't ) that I don't really have a payment due until XXXX 2020 and that the Finance charge on my statement is really a holding place for the next payment. So my extra principal I'm paying only buys me time and pushes my payment due date out not reducing my principal Balance? Every time I make an extra payment I specifically tell the teller I want the extra to go to principal. They tell me it will but doesn't. At least not in a way I'm used to. I believe this is a deceptive tactic on Bank of Americas part and would like it investigated.

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 2020-07-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
As I am not admitting to this dept, this was added to credit report in XXXX of 2020. 

I have not done any transactions with XXXX XXXX  - ( MIDWEST RECOVERY ) AT ANYTIME IN OVER TEN YEARS. 

THIS IS ANY EXAMPLE OF OF RE AGING A DEPT, LONG AFTER STATUE OF LIMITATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I've tried to get my creditors to report the correct Personal Information as : Name : XXXX XXXX XXXX XXXX Employment : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX, we started a refinance process with Freedom Mortgage. We currently have an FHA mortgage with this company. They contacted me because they said they could reduce our rates with a streamline loan and decrease our monthly payments. To date, we have not closed this refi. Every month it gets extended because of mistakes that they are making. Every month we are assured that it will close and are told not to make our payment. Then, toward the end of the month they insist I pay that months payment ( including a late fee ), and then the process starts over because they have to recalculate all of the paperwork based on the new numbers. We are beyond frustrated and don't know who to turn to. We have been passed along to dozens of representatives from multiple departments within the Freedom mortgage corporation, none of which seem to be able to move this along, and all of which have failed to keep their promises.

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