vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2019 I have moved money ($XXXX) from my cash app account to my linked bank account. Since I used cash app's instant deposit I paid the fee ($XXXX) so I only received XXXX, which was fine. Two weeks later on XX/XX/2019 XXXX was removed from my linked bank account by cash app without my knowledge or authorization. XXXX of my money was now missing. It was taken out of my linked bank account and was not returned or found in my cash app account. I got in touch with cash app support to report the issue in hopes to get my money back. I have been transferred to numerous amounts of people who did not understand this issue and kept telling me that the money was successfully put into my account on XXXX XXXX disregarding the problem that the money was taken out of my account two weeks later and I no longer have my money. When I emailed cash app support that understood my situation, instead of helping me they kept telling me to go to my bank. They told me that I had to dispute the transaction with my bank. I kept going to my bank and they told me they could not help me because cash app removed the money. Finally, my bank disputed the transaction in hopes cash app would help me. The bank followed through with the investigation and confirmed that cash app has rejected the payment of XXXX on XXXX XXXX and reversed the payment on XXXX XXXX. However, I never got my money back in cash app. When I informed a cash app support member of the situation they asked for screenshots and continued to tell me that the money was put into my account on XXXX XXXX disregarding once again the real issue. When I spoke to someone else they informed me that cash app has no record of this amount being taken out of my account on XXXX XXXX and they continue to tell me to speak to my bank. If my bank was able to figure out that cash app rejected and returned my money, then cash app has that information too and is unwilling to give me my money back. This has been going on for the past three months. I have attached the string of emails from cash app and myself, I also provided the information from my bank, and the screenshot from my statement showing on XXXX XXXX cash app took XXXX   out of my account. Please review all of the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
This all started on or around the middle/end of XX/XX/XXXX. 

My account was closed for no reason. 

I went to check my account online only to find out that it had been closed. I tried to contact the company on this day only to find out that my account online had been suspended. Also I tried phone contact and the automated system is telling me the same thing and would not process my call for me to speak with a customer service rep. 

On XX/XX/XXXX I finally was able to get through and spoke with XXXX ( Supervisor in the Acct. Protection Services ). XXXX stated that the account had been suspended for fraudulent activity and that it was being looked into. I would be notified via email. I never received any type correspondance from Amex/Bluebird in regards to my acct. Every customer rep that I spoke with this day is telling me the same thing. 

So on XX/XX/XXXX, I called again and explained my situation to a customer service rep. Who responded with the same info as the call on XX/XX/XXXX. Now I ask to speak with another Supervisor. I speak with XXXX ( Acct. Protection Servicces ). XXXX says my account is still being investigated. It takes 7-10 business days. She went further on to say that {$28.00} was being sent back to sender ( XXXX XXXX ) & the balance of $ XXXX-a direct deposit transaction will be refunded via a check. Again 7-10 business days. Still no correspondance from AMex as to why the account was closed and when/where my money is, What transactions were fraud. nothing. 

i given plenty of time for some type of letter, something to be sent to me. I had a balance of {$66.00} left on the acct. It wasn't returned to sender and I have not received my funds back. These funds had been sitting on the account why wasn't it flagged upon deposit. Which by the way was from a legit bank account. 

Today XX/XX/19 I call the company again demanding an answer as to where my money is. I again speak with a customer service rep. who by the way had me on hold for like 15 min. only for her to tell me the same as previous, and that I would need to write the company. I then speak with XXXX ( supervisor ). She also had me on hold for like 15min. Today this whole call started @ XXXX and went on 42 minutes. Being put on hold multiple times only for XXXX to come back and tell me that I need to write the company @ XXXX XXXX XXXX XXXX, GA XXXX. Also that I will not be getting my money refunded to me for fraud. 

WHY AND WHERE IS MY MONEY. IM TIRED OF THE RUN AROUND. All I want is my money back. You can't just take my balance on my card, close the account and not say nothing to the customer. It's bad enough if you send me a check I have to pay to cash the check for my own money. 

To resolve this issue all I want is my money back. After repeated attempts to get answers and my money back your company is not doing anything to assist me and I'm 1 livid person right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: NJ

Complaint narrative:
XXXX XXXX-VIN # XXXX This vehicle was repossessed by XXXX XXXX and sold on or about XX/XX/XXXX. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure times were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle. If no proof is provided any continued collection or reporting on my credit reports will be considered a violation of theFDCPA and FCRA.

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 2019-08-09 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: NJ

Complaint narrative:
XXXX XXXX-VIN # XXXX This vehicle was repossessed by XXXX XXXX and sold on or about XX/XX/2016. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure times were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle. If no proof is provided any continued collection or reporting on my credit reports will be considered a violation of theFDCPA and FCRA.

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 2019-08-09 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
XXXX XXXX VIN # XXXX This vehicle was repossessed by XXXX XXXX and resold on or about XX/XX/2015. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I moved out of my home in XXXX, New Jersey on XX/XX/XXXX. I notified XXXX that I was moving and it was noted in their system, my last payment to them was submitted on XX/XX/XXXX. 

I moved to XXXX, New York on XX/XX/XXXX and opened my new account with XXXX on XX/XX/XXXX. 

Today I am finding out that I have had a delinquent payment with XXXX from my XXXX home but it never reached me because they never sent it to me, they were sending my bill to my home in XXXX rather then mailing it to my new address in XXXX. I have paid this in full today XX/XX/XXXX and have a confirmation number to prove it and this will be shown as paid in full by XX/XX/XXXX per the customer service rep ( who apologized for the bill not getting to me ). 

This has significantly affected my credit score and I would like this removed from my credit report. You can see that I have a 100 % pay-on-time score which shows this was not an intentional delinquency, but rather an error in their system. 

Thank you

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 2019-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/2018 I Bought a refrigerator from Lowes. They promised me same as cash with no interest for 12 months. 

They actually did not provide this purchase method. They instead converted my transaction to 5 % off without my knowledge. 

As soon as I saw this, I contacted them to change it. Customer service would not change it. 

I moved and told Lowes my mailing address. They continued to mail the bills to the old address, which caused my bills to be overlooked or late. 

I paid as agreed, but it was late some months. They charged huge late fees and then closed our account. 

I continued to request they change our address. They never did until after 3 attempts. 

In this way, they put too much interest on the account and too many fees.

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 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Persons calling say they are from Comenity Bank. They call repeatedly all times of the day after I spoke to them. They called my ex-husbands entire family about this debt after being asked not to call. At this point its harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
I told the loan officer I did not want my credit score ran. He said it wouldnt affect my score, so I assumed he meant a soft pull, since pulling your credit does affect your credit score.  So I gave them my information, which they are saying is evidence that I wanted him to run my credit. I escalated it and the resolution advocate said they dont reverse them because it would affect them adversely, so she didnt care that I was manipulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I was forwarded to a collection agency by XXXX. I had an 18 month lease that ended in XXXX and they are trying to say that I still owe money and without notice or change to my services my bill went up over {$50.00}. I've paid all that I owe and this company has threatened to ruin my credit as a result of this extortion.

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft.  I found out when I started getting calls from banks about late payments on credit cards.  I found out there are several accounts that were applied for and approved using my personal information without me giving consent.  I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.

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 2019-08-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX # XXXX This vehicle was repossessed by XXXX XXXX and resold on or about XX/XX/2015. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I had a $XXXX  balance in my overdraft account. On XX/XX/2019 I mailed XXXX the manager of the Valley Bank branch in XXXX, New Jersey my check for $XXXX   which was way more than the monthly minimum! Yet XXXX from the bank has since then called me three (3) times to demand payment!This is harassment! He called this afternoon, XX/XX/2019!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I send in a dispute request for all 3 credit bureaus (XXXX XXXX XXXX XXXX) to update the KOHLS/CAPONE balance to XXXX or remove the account as the CAPONE sent me a 1099-C to pay taxes on the debt that was owed/ KOHLS/CAPONE verified the balance that issued in my 1099-C form on XX/XX/XXXX when the issued a cancellation of debt let to me back XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I am trying to get TIAA Bank to Discharge my Mortgage. They initiated a lawsuit lost in court, the decision was handed down on XX/XX/XXXX. " Judgement for the Defendant. '' Please see Decision XXXX XXXX : XXXX XXXX XXXX v. XXXX XXXX XXXX for the courts decision regarding the discharge of a mortgage after a suit. Maine law is clear on this matter. 

The homeowner is entitled to a discharge of the mortgage if judgement is entered in his or her favor. TIAA failed to win failed to prove their case against me, the case had no merit in the first place yet they have held onto my deed. I demand that they release it or I will be forced to take action. I will ramp up my complaints against them and use every means possible to do so. The internet, radio, the newspapers and even the local television stations. 

Will these big banks ever smarten up? Stop trying to push people around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase bankAd claims 48 month loan at 2.38% for checking account patronsOnly able to apply onlineOnline application either “doesn’t work” or “disappears”Going online WITH an agent does not help. ( getting an agent is a Herculean event)In any event, agents online and at the branch assure me that I will never get the 2.38% anyway, “ No one does”I have been a long time customer at chase and have always had an excellent credit score.Isn’t this cheating?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Spoke with representatives and remitted 2 separate payments, {$510.00} for account ending XXXX and {$530.00} for account ending XXXX. Representative stated that, as per settlement agreements these payments would be accepted as " payment in full '' for account balances. I responded to the offer to retire these debts, and proactively reached out to the company. 

Credit report shows balance of {$480.00} for account XXXX and full balance for account XXXX. The company did not honor their part of the agreement ; it took the one payment {$530.00} applied it to the balance but did not update balance to XXXX  as agreed on their recorded line and documents mailed to me. Secondly, the company took the agreed settlement amount for account ending XXXX and simply did not report any payment all. 

The company has violated their part of an agreement initiated by themselves. 

I spoke with representatives today ( 3, including one supervisor ). All of them attempted to transfer me to someone else and not one of them could give a reasonable explanation of why my payments are not reported and/or why they are not honoring the settlement agreement. 

American Express has misled me into believing that if I remit a fixed amount - settlement amount - they would accept those payments as " paid in full ''. However, they have completely abandoned their part of the arrangement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: MI

Complaint narrative:
I have provided a brief summary below. See attached for a detailed timeline of events. 


In XXXX XXXX XXXX after having a purchase offer for a new home accepted, I began comparison shopping for mortgage lenders. On XX/XX/XXXX, after receiving a loan estimate from a loan officer at Better Mortgage, I informed the loan officer that I would be using Better Mortgage as my lender. For the next several weeks, Better Mortgage continuously stated that everything was going as planned, only to back out of the loan on the day that the loan closing disclosure documents needed to be provided in order to close the loan on time. Better Mortgage informed me that they were choosing not to fund the loan at this time because the closing date was more than 90 days before I was scheduled to start a new job. Throughout the process, I was honest and forthcoming with my employment situation and specifically explained it to a loan officer on XX/XX/XXXX. 


I was employed at Job 1 [ employer name withheld ] and living and working in XXXX XXXX   when I applied for the loan, but had accepted a job offer at Job 2 [  employer name withheld ] in XXXX when I applied for the mortgage. The start date for Job 2 is XX/XX/2019. The home we were purchasing is in XXXX. I was working at Job 1 at the scheduled close date and for several months afterward ( until at least XX/XX/XXXX ). There was no lapse in employment between Job 1 and Job 2. Each job pays a salary well in excess of what I needed to qualify for the mortgage. 


While it is obviously within Better Mortgages rights to reject an application, they chose to wait until the eleventh hour to inform me of their unwillingness to fund my mortgage. It is unclear whether this was due to intentional misrepresentation or gross incompetence. I believe that Better Mortgage may have been in violation of Title 12,  Section 1014.3 ( q ), which prohibits a lender from making a material misrepresentation concerning the consumer 's ability or likelihood to obtain any mortgage credit product or term On Sunday, XX/XX/XXXX, after it became clear that Better Mortgage would not fund the loan for several more weeks, I followed the advice of my realtor and began working with XXXX XXXX. The lending officer at XXXX sent me the closing disclosure documents for a XXXX XXXX-conforming mortgage on XX/XX/XXXX, while my start date for my new job was over 90 days away. There were no date restrictions on the disclosure document, and the loan closed on XX/XX/XXXX. When I chose to use XXXX XXXX, I was under a major time crunch because I did not want the sellers to back out of the sale. As a result, I was unable to comparison shop and was forced to accept a higher interest rate and higher closing costs.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One credit Card was opened under my name fraudulently between XXXX or XXXX of 2018 in the amount of {$200.00} or {$300.00}. I informed them it was not mine and the guy started harassing me and getting belligerent over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
American Express, calling relatives repeatedly, calling ex employers, calling current employer repeatedly after being told to stop

Company response to consumer: Closed with non-monetary relief