vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 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: Ocwen Financial Corporation
State: MO

Complaint narrative:
Ocwen is reporting a debt I do not owe, this debt is past the statute and I no longer have to pay it. The account is # XXXX and I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Refer to complaint XXXX. NONE of the questions were answered. 

XXXX Received letter dated XXXX, stating " We have received a request and added to your credit report an Extended Fraud Alert. '' 1. WHO/WHAT/WHEN/WHERE/HOW requested to ADD the fraud alert? I have NEVER requested such alert. 

2. Provide US based customer service direct phone line, not some generic line where there is no way to talk to humans. Provide 2 names, job title, and phone numbers that I can reach directly.

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 2019-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I signed a agreement to with draw funds from my account on the XXXX of the month and the last business day of the month everything was going just fine till XX/XX/XXXX where they started pulling money early. They said they escalate it to get fixed then today XX/XX/XXXX they did it again. Called them and they said there system does not know what the last day of the month is. So it just pulls some time between the XXXX and XXXX thats not what i autherized. they never warned me of this or advised me they were pulling money early they just did it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: EdFinancial Services
State: WA

Complaint narrative:
My credit report shows a 90-day delinquency XX/XX/2017 with all three credit bureaus. I have never missed a payment with ED Financial since my bill pay was set for auto payment. There was no communication sent to me, my account is current and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
The American Express website lists several methods to submit a payment. It states that in XXXX you can do a direct debit from your account to theirs ( American Express XXXX XXXX XXXX ). I mad a payment from my XXXX bank account in the amount of XXXX Euro on XX/XX/XXXX and another in the amount of XXXX Euro on XX/XX/XXXX. Both payments were taken from my account and never applied. I am, by the way, an American citizen living in XXXX. 

They opened several disputes and requested documented proof, which I provided. This included screen shots of their account number and amount from my bank. Each was closed without resolution, AMEX also claims to have tried to call me but phone records show this to be false. I have also called multiple times with the same result. The last time I called I was told by the representative that he was very sorry and that he would take personal control of the complaint, contact my bank and the account holder on their end to find and return or apply the payments. This also turned out to be false as no action was taken and I received to response. 

Today, XX/XX/XXXX, I utilized their online chat function to check on the status and was told I had to call in. When I did call in the representative stated that I did not make the payments and should try contacting the necessary banks myself. 

I am incredibly frustrated with AMEX for, at this point I believe theft/fraud, and a complete refusal to correct the issue. I submitted payments as per the instructions on their own website, they lost the money ( or have not tried to locate it ), meanwhile it has not been applied to my account or returned and I continue to incur interest charges, long distance charges for phone calls, and a loss of time fighting with them to correct their error. Customer service states each time ( until today ) that they are sorry and will sort it out. FALSE Please investigate this deceptive and/or fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I had started out to finance a new car as I currently had became diagnosed with XXXX XXXX, I had gone to the dealer of Toyota which was XXXX XXXX  in XXXX XXXX Maryland. 
It was a XXXX XXXX XXXX and as I drove it home my wife had driven it as well she had been hospitalized for the seats that caused a severe XXXX injury in default of the seatstgat were a malfunction. I then returned the vehicle back to the XXXX XXXX XXXX in XXXX XXXX Maryland to where they had no problem to return it and the proceed to give me a XXXX XXXX XXXX I had only owned it a few months then the vehicle brake system cause me to jerk as I proceeded to stop every time I drove it. Once again I returned it back to the dealer where the sales representative gave me a XXXX XXXX XXXX XXXX I was not there to pick up and my wife had got it with my consent. 
Bottom line the car was voluntarily surrendered due to me falling out of it. 
The complaint is that they accepted the returns of the vehicles I had without legally giving the negative equity information so it was an injustice consumer manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
At the beginning of XX/XX/2019 American Express cancelled both of my accounts I had with them while I was having medical issues after being less than 45 days late. At the time I was notified I called immediately and was told that the accounts had been closed 3 days prior to me having received notice in the mail. I believe american express timed the delivery of my notification in an effort to subvert my ability to make a timely payment so that they prematurely close my account. 2. After seeing that the account was closed I began making regular payments to buy time until I could pay off the balance in full. On XX/XX/2019 I paid off both of my accounts in full through their online portal and showed a XXXX balance on both of them. today XX/XX/2019 I began receiving collections calls at XXXX XXXX and as of the time of this complaint I have received 4 calls informing me that I have a balance on my american express accounts in the amounts of approximately {$13.00} and {$37.00} respectively. After learning this I immediately call american express to find out how I had a balance in collections for two accounts that had been paid in full only 11 days ago. I was told that the balance was interest that had accused after my final payment. I then asked how I was supposed to know that they had added interest to an account that from my perspective had been closed and paid in full if they had not given me notice. I was told that they had mailed me 4 separate pieces of mail attempting to collect the debt. I find this very hard to believe given the very short time frame from when I paid in full to when I began receiving collections calls. 11 days seems to be a very unreasonable amount of time for someone to be sent to collections. I was made to feel as though I was attempting to not pay off the account. On XXXX XXXX I paid off nearly {$4000.00} between the two accounts and I would submit that given the amounts and my attempt to fix the damage that this has done to my credit it does not make sense that I would have avoided only {$50.00} of Nearly {$4000.00} debt. I find these practices despicable and I believe they are motivated by discrimination based on the fact that one of my accounts is an american express optima account. The Optima account was an account that american express was forced to create and offer to consumer who where included in a legal settlement that was reached following a suit filed for similar unfair practices by american express. It is my belief that american express wanted nothing more that any excuse to be able to cancel the accounts of Optima card holders and found my short lapse during my illness to take advantage of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Mortgage Loan No. XXXX Property Address : XXXX XXXX XXXX, XXXX, NY XXXX I previously complained about how Wells Fargo was handling my modification request. It took Wells Fargo several MONTHS in order to investigate the handling of my request. I am hoping that someone will INVESTIGATE this mortgage company. I was informed that my husband was required to submit his financial information in order to be considered for a loan modification. I was informed by Ms. XXXX XXXX on XX/XX/2019 that I had until XX/XX/2019 to provide such information. I have been contacting Wells Fargo for months asking them to provide me with a modification as I was able to make payments IMMEDIATELY. Because of the delay I am now well over 6 months in arrears and now will either need to go into foreclosure or bankruptcy to save my home. Wells Fargo is corrupt organization more willing to put someone in a dire situation rather than save their home.

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 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Attention Complaint Department XXXX XXXX. XXXX XXXX XXXX XXXX . 
XXXX, Ohio XXXX XXXX XXXX Loan # XXXX address of property : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Supporting Documentation is provided : Equifax Complaint : After disputing and providing official, accurate and complete documentation with Totals paid and Payoff amounts met as requested by XXXX/XXXX. XXXX. Equifax will ONLY agree to publish inaccurate information provided by XXXX/XXXX. XXXX. 


XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Service Center, Inc.
State: WV

Complaint narrative:
I recently applied for a credit card so I could earn points for flying. I was denied the card so I immediately started looking at my credit report. 

On XX/XX/2017 I had a hospital bill sent to collections that I wasn't aware of by " XXXX XXXX XXXX ''. I don't have any other history of this sort of thing on my credit report and don't think I was notified properly and made aware of what exactly I was being charged for. I think there was really just a lack of communication here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am requesting that US Bank remove my PMI. I have paid extra towards the principal and I am now below the 80 % threshold. I was told that I need another appraisal to prove that the value of the home has not fallen below the original value. They have the original appraisal and I do not see why since the loan is based on that appraisal. I also do not see why I need to incur additional expenses to have my PMI removed since I am at 78 % of the original value of my home.

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 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
I contacted Barclays bank to request a closing my XXXX Account the week of XX/XX/XXXX and seek a refund of the {$95.00} annual fee that was collected from my bank 2-3 weeks ago. A phone rep took my information and asked me to supply proof of my identity to authenticate the request. I uploaded 3 documents in Barlcays 's website per the request including a copy of my driver license, copy of SSN card and a recent utility bill showing current billing address. About two weeks later, I checked the status of my account and my account was restricted with a fraud warning message to contact Barclays. I contacted Barclays the week of XX/XX/XXXX to inquire about the hold on my account. An agent told me they can not read any of my documents and request I mail in the same documents to their Fraud Department at XXXX XXXX XXXX, XXXX, DE XXXX. I mailed the requested info late XX/XX/XXXX and contacted the Barclays a third time on the week of XX/XX/XXXX to inquire about the account closure request and refund status. A third agent explained they were not able to read my driver license and need to mail that in again. I mailed a second photocopy of my driver license to Barclays in early XX/XX/XXXX. My account remained restricted and not close. I contacted the Bayclays a fourth time on XX/XX/XXXX. The agent explained he was able to read my driver license but when it was scan to the computer, the computer could not read it and therefore I need to submit a clearer picture of my driver license before he can review my account and close it. I scanned my driver license again using the best possible setting possible and print the image in the highest quality. I could read all the data on my driver license fine and the 4th agent I spoke with agreed with me. I mailed it out to Barclays on XX/XX/XXXX with no guaranty the documentation is acceptable to Barclays or its computer systems. I just want to close my credit card account at Barclays and get the {$95.00} fee back as I am not using the card. I don't know what else I need to do to satisfy Barclay 's requirement to close my account and need help. Another annual fee could hit soon and the longer I wait for this to get resolved, Barclays may only provide a partial refund of the annual fee versus a full refund if it was processed correctly in XX/XX/XXXX.

Account is restricted and correspondence via secured email with Barclays can not be downloaded. 1 paper mail was received during this 5 month ordeal. All other communications were via phone call by cardholder to Barclays never the other way around.

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 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Attention Complaint Department XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX, Ohio XXXX XXXX XXXX Loan # XXXX address of property : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Supporting Documentation is provided : Transunion Complaint : After disputing and providing official, accurate and complete documentation with Totals paid and Payoff amounts met as requested by XXXX XXXX. Transunion will ONLY agree to publish inaccurate information provided by XXXX XXXXXXXX. 

XXXX XXXX. Rice

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 2019-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Over draft fees due to fraudulent charges. Submitted a claim with Regions Bank. This has happened to me numerous times with Regions and they are theft out of my account. Regions has never returned stolen money. My question is why is the FDIC insuring the customers money when they dont follow that law?? 
Every other big bank in the US does a much better job at protecting and replacing stolen money. Apparently Regions Bank gets away with this protocol and the US Government does nothing. How many Class Actions suits are against Regions? I am sure I am not the only one. Please contact me at+XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A charge of fraud happened on credit card with my name but wrong birthday information. I called the bank and they opened a claim then they closed it without resolving it saying that they deemed it legit. I told them that the birthday is wrong and it's fraudulent and they told me to contact the credit beuro and the customer. When I contacted them, they told me they can't release information to me and that the bank should contact them. When I told the bank this they said the claim is closed and can not be reopened and that I have to take it up with the credit beuro.

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 2019-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. I called XX/XX/2019 to address the issue and instead of them correcting information that removed my correct name and information. 

XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. 

XX/XX/2019 I submitted via certified mail and online dispute about inaccurate personal information and they continue to send copy of full report with no corrections made as well.

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 2019-05-10 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: GA

Complaint narrative:
XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. I called XX/XX/2019 to address the issue and instead of them correcting information that removed my correct name and information. 

XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. 

XX/XX/2019 I submitted via certified mail and online dispute about inaccurate personal information and they continue to send copy of full report with no corrections made as well.

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 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was about To pay for an airline ticket, I was offered an American Express credit card stating if approved I would pay {$200.00} less. I applied to get the {$200.00}. I was approved right away, I was given all the information needed to pay, and I paid. I applied only because of the offer. I have talked to 4 or 5 ppl and everyone has a different answer. Now, I was told I wont have the offer because it was declined ... so I was approved but not getting the offer which I find unacceptable. I was told it was on the approval, Of course in very small letters knowing nobody read that ... so, why I get the credit card, and not the offer? I need help please. Big companies keep just by lying getting customers and money offering things that are not real!!!

Company response to consumer: Closed with explanation