vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My daughter XXXX XXXX was diagnosed with XXXX XXXX and was advised by her doctor not to travel by airplane. Her airplane ticket, airport transfer and hotel reservation are not refundable.I claim her airline ticket cost and hotel stay that should be covered by the Chase Saphire Preferred credit card Trip Cancellation/Interruption benefit Claim Number : XXXX All paperwork was submitted multiple times and it had been more than 3 months since I opened the claim. I keep being asked for more and more documents. ( up to 15 now instead of original 4 ). Thus far, only received partial reimbursement for the airline ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bought a house last XX/XX/XXXX and my credit score was GREAT ( XXXX )! I am now trying to refinance my house and Kohls has a late fee in XX/XX/XXXX and XX/XX/XXXX making my credit score XXXX. My credit score should be over XXXX as I have not had anything change with my credit ... .other than these two items with KOHLS/Capitol One before I even closed on my house last year ( and these did not show up last year ). 
I tried calling Kohls on XX/XX/XXXX to settle this with them over the phone, but they can not get records before XX/XX/XXXX ( is what they stated to me on the phone ). I even called them twice ... speaking to two different people trying to get a resolution. 
I need these amounts to come off my credit as they are not legit and I need to be able to pursue my financial needs of the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
Hi, My name is XXXX XXXX XXXX and I am a Certified XXXX XXXX XXXX in the state of Georgia. I am receiving threats and being harassed, via email and text messages, from a Loan Officer with LoanDepot regarding an appraisal I performed on his property. The Loan Officer is XXXX XXXX GA Lic # XXXX & XXXX # XXXX. 

On XX/XX/XXXX of this year, I started receiving emails and text messages for Mr. XXXX stating he was upset with the market value of his home and is threatening retaliation if I do not change the value. Mr. XXXX has continued to threaten and harras me to include his latest text message on XX/XX/XXXX at XXXX XXXX. 

I have filed a complaint with his company, however, after talking with his supervisor, XXXX XXXX, It did not appear that anything will be done and have not yet received a resolution. 

Threatening and harassing an XXXX is a serious violation and I am asking for your help in this matter. 

Attached are the emails and text messages from XXXX XXXX. Note that the emails are from his XXXX email account and contain his picture and position at XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was looking to purchase flight tickets for XXXX XXXX in XXXX, as i was browsing i came across from this offer from United ADVERTISED as a XXXX $ credit on the first statement if you are a first time cardholder. The tickets that i was looking to purchase were around 300 $ there was a button showing the value of the tickets - XXXX $ credit and saying APPLY NOW, so i did, i have filled the application and was approved instantly and was able to purchase the tickets. After the first statement, the credit was not applied and i have called CHASE, the card provider to see why the promotion wasn't honored and the answer that i have received was that i have " applied '' and received a different card, their standard card, which offers XXXX miles bonus after you spend XXXX  . I have tried to explain that at any time in my application it did not say that i am applying for their standard card and not the promotional offer. It is a total rip off and FALSE ADVERTISING. Apparently the offer was just advertised but as soon as you apply you get the standard card, i called numerous times and try to get to the bottom of the issue but nobody was able to give me a clear answer, i only got sympathetic tone and apologies. I feel like i was robbed and its very sad to see this happening here. SHAME on CHASE and UNITED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IN TRYING TO GIVE SUPPLEMENTAL INFORMATION OF SUPPORT TO MY CFPB COMPLAINT AGAINST EXPERIAN AND DISPUTE AGAINST CREDITOR XXXX, ACCT. NO.XXXX, EXPERIANS DOCUMENT UPLOAD SYSTEM HAS BEEN NON-FUNCTIONAL FOR DAYS ... THIS IS A SERIOUS FLAW AS EXPERIAN IS ONE OF THE BIG 3 AND HAS 500 MILLION CUSTOMERS ... THEY CAN NOT ACT LIKE A MOM AND POP BUSINESS THATS SHUTTING DOWN, HAVING COMPUTER PROBLEMS ... ITS TOO BIG A RESPONSIBILITY THE US CONGRESS IS ALLOWING THEM TO HAVE.

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 2019-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I was told that they would do the trade then find out they did not do it. They keep on saying am supervisor will call and discussed. No call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MEMBER MORTGAGE SERVICES
State: TX

Complaint narrative:
Member Mortgage Services serviced a fraudulent mortgage loan on the basis of a mortgage note on our property ( Addressed at : XXXX XXXX XXXX, XXXX, TX XXXX ) on the XXXX of XXXX of XXXX of XXXX. The mortgage loan has been recorded in the XXXX System with the mortgage identification number of XXXX. 
Since we did not have any legal business relation with this bank I need to know the following information : 1. Was Member Mortgage Services licensed as a mortgage loan servicer in Texas in XXXX? 
2. Who was the borrower of the fraudulent mortgage loan?

3. When was the mortgage note executed?

4. When was the mortgage loan account opened and when was it closed?

5. Who is the lender of the fraudulent mortgage loan?

6. Has there been a deed of trust executed in XXXX County or anywhere else for this mortgage loan? 
7. What was the loan amount of this fraudulent mortgage loan? 
8. What type of mortgage loan was it ( FHA, VA, Conventional etc? ) https : //www.membermortgage.com XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , MI XXXX Since this was a fraudulent loan and was issued against our property, I believe we have the right to know all these information with evidences for any claim against the fraudulent lender for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
FBCS called me in XXXX to collect a debt for the doc that delivered my son. I set up a payment arrangement and started investigating why my XXXX wasnt paid by my insurance company but the hospital was paid and The anesthesiologist that administered my XXXX was paid everybody except XXXX was paid for the birth Delivery and hospital stay. Once I talked to my insurance company and found that they had never received a claim from my XXXX for the Delivery of my son I then contacted my XXXX   ask them for a copy of the medical claim that was denied and now the debt that I owe for this once I got this paperwork in the mail I found that they had never build my insurance company they actually sent the claim to a wrong or incorrect insurance company. Also When I was looking into this debt I asked FBCS when and who sold my debt to them. FBCS gave me the number for a trucking company. Im called back and told they gave me a trucking companys number and they told me to call back and talk to someone that this was a legit company. So I called back and the lady at the trucking company told me no we do not collect money and we are not a collection company. So I called FBCS back and told them this information and they put me on hold so long over and over so I just kept getting cut off basically. I found out from my insurance company that the claim was never sent to them it was sent to the wrong insurance company so When the claim was denied because I wasnt a policy holder it was because it wasnt my insurance company. I called XXXX at FBCS and cancelled my payment arrangement with FBCS and told them it was because I can pay the doctor directly because they hey mistakenly billed the wrong insurance company the lady yelled at me and told me I still owed this money and that I was a liar. They are now calling me again to try and collect more money. I continue to to contact my XXXX billing department and I leave messages telling them they billed the wrong insurance company and that I will them directly I have already paid {$400.00} on this to FBCS and now I will set up automatic payments with XXXX XXXX XXXX but no one will respond to my messages. Please stop FBCS from collecting on people I have proof that the wrong Insurance company was billed and this is way out of control. FBCS calls me 10 times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
n reference to Complaint ID : XXXX Original issue : LVNV Funding, LLC has not responded with any valid evidence that the debt they claim I owe them is legally theirs to do so. What I receive are poor quality copies of credit card statements. There is absolutely no evidence they are legally obligated to collect from me. LVNV filed a judgement against me Case # XXXX but due to health issues and not able to fight this it was dismissed as a hardship case. I to this day have no evidence this debt is really mine or who the real owner is. I have yet to see a signed contract. 

In the reply from LVNV states that there was no contact from me until my current dispute. This is not true what-so-ever. I sent a letter requesting proof of ownership of the so-called account, which they did not respond to ( sent via email & USPS ). I again reached out and asked for the above-mentioned information an again was ignored. 

I called LNVN after I was summoned to court ( XXXX ) and the spokesperson stated I could claim hardship after I sent a letter to them which I decided to do since I just wanted this to go away. It was my impression that this would then be removed from my credit report, the thought being as long as it has been removed, I don't care how. I do indeed have financial hardship and was able to honestly send a letter stating so with supporting documentation. 

I was instructed by the spokesperson at XXXX XXXX XXXX ( LVNV 's attorney ) that they have filed to the court to dismiss the summons due to financial hardship and that upcoming court appearance would be canceled. I trusted them and now after reviewing again see this was not true whatsoever. 

I am a hardworking, honest person that puts my trust in other people ( organizations ) to  do the right thing but apparently, I am to gullible to think that way. 

Being lied to about something concerning court hearings, etc. is beyond my comprehension. 

I called back as a follow up in regards to the dismal and removal from credit report and was again told everything is fine. I asked for copies of the documents filed with the court but never received anything. 

I also have NEVER received appropriate documentation with my signature stating this is truly my account owned by so-mentioned company. Who is to say another collection agency won't try the same thing using the same information not verified by any legal documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
i recently checked my credit report and discovered that this company has placed this item on my credit. I have never done business with this company nor have they provided me with any services or goods. I was never notified that I owe a debt with this company therefore my rights were violated. I want this company to produce the documents with my signature indicating that I agreed to pay for services or goods and it they are not able to do so I demand that they remove the items immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
I transferred the money to my sister in XXXX via Remitly on the XXXX. Via their mobile app i was informed that the money was transferred on the XXXX. However, the bank on the recipient end had no track whatsoever of the payment. I kept calling remitly and my sister kept calling her bank but to no avail. On the XXXX once i threatened Remitly to file a complain is when they told me that the account was not correct. I ask them why would their app say the money was transferred to a wrong account why did it take them 20 days to figure it out. 

I think this is just an excuse to hold people 's money to earn interest for 20 days. Morever, i smell a foul play here. This company is managed by XXXX and since they are the arch enemy country of XXXX, this was deliberately done to stop money from going to XXXX. 

I've had same issue with XXXX where they stopped my payment for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Notice an open account on my credit report, that doesn't belong to me. Contacted the company over the phone, Receivables Performance Management LLC, and they wouldn't tell me where the supposed money owed originated. Says I owe {$270.00}. Account opened XX/XX/2018 according to the report. My credit score has dropped due to this and this company keeps calling. How do I remedy this situation fairly?

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 2019-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
i recently checked my credit report and discovered that this company has placed this item on my credit. I have never done business with this company nor have they provided me with any services or goods. I was never notified that I owe a debt with this company therefore my rights were violated. I want this company to produce the documents with my signature indicating that I agreed to pay for services or goods and it they are not able to do so I demand that they remove the items immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Tried to check if my credit was still frozen and could not find the link on the website - ( it is hidden under the tab help ) - this option should be highlighted in bold on their main home page, not hidden in a tab. 

I assumed I had to become a member to check if my credit was frozen and went through with 3 steps including entering my credit card number which I assumed was a security check regarding access to a credit report. I signed up and somehow was charged {$24.00} for free credit monitoring services which is not what I wanted, I just wanted to check on a credit freeze. There was no final authorization page for charging credit cards like all websites do when purchasing something. Very deceptive marketing practice and confusing. Then when I went to cancel my subscription, there was two options at the bottom to choose why I was cancelling. I clicked on the big bold orange highlighted tab that brings you back to dashboard without cancelling service. I went back again and repeated the cancellation process and pressed the white tab ( not highlighted ) that said continue and cancel. Very deceptive and very obvious that they are making it difficult for you to cancel. I had to call and make sure that this service was cancelled.

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 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX there was an insurance claim due to a tornado disaster.At that time Countrywide was the Servicer and or owner of our loan.When the disaster occurred we were seeking help as we were in default of our loan .Our Policy # XXXX and the insurance claim # was XXXX Date of Loss XXXX.The net claim was {$8600.00}. 
When we received the check we were already in distress and Countrywide had requested XXXX down payment towards the repayment plan. My husband was working in XXXX XXXX and I made the decision to pay that XXXX a portion out of the claim check to Countrywide. The rest of the insurance claim I paid for the roof to be repaired .It was the best I could do with the remainder of the funds which was XXXX which covered as a patch work. The claim # was XXXX. In our research we found out that FTC the nations 's consumer protection agency reached an agreement with Countrywide Home Loan settlement charging that the company engaged in unlawful practices in servicing consumers home mortgage loans between XX/XX/XXXX and XX/XX/XXXX. We received 2 redress checks.in XX/XX/XXXX and XX/XX/XXXX, XXXX.By then we were both unemployed when fierce wind storm tore into homes and the front decking of our home collapsed XX/XX/XXXX. When we filed this claim we were denied access to the funds of that claim and accused of double dipping by Bank of America /Bank of America NA and the home has been destroyed by hidden damage as well as the huge tree that hit our home.We are still having issues with Bank of America and are actually awaiting funds from the damage caused by this tree in XX/XX/XXXX XXXX.Our home is in really bad shape and knowing that there is a XXXX insurance policy is a hard and bitter pill to swallow. There have been 7 inspectors and we are concerned about the hidden damage and the electrical outings while we wait in good faith .In GOD We TRUST 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 2019-08-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have Been A victim of identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I signed an online loan agreement with MoneyLion onXX/XX/19. Loan # XXXX in the amount of {$500.00}. Payments of {$43.00} began on XX/XX/XXXX. Toward the end of XX/XX/XXXX I  decided to exercise my right to pay the loan in full by use of my debit card ending in XXXX. They advertised that by using a debit card my payment would be credited instantly. My card ending in XXXX ( which they had on file ) had an expiration date of XX/XX/XXXX. Before my attempt to make the payment in full I received my updated credit card ( same account # ending in XXXX ) however it had a new expiration date ( XX/XX/XXXX ) and a new 3 digit security code. I attempted to update the card on the MoneyLion app but was unsuccessful. I called them several times in late XX/XX/XXXX and early XX/XX/XXXX. Each time I was put on hold from 1 - 2 hours and then told they were unable to update my card either. On XX/XX/XXXX I spoke with a supervisor who gave me a ticket # XXXX. He promised a resolution in 3-5 days. Today, XX/XX/XXXX, I called again. I was on hold a total of 2 hours and 3 mins. I was then told they still couldnt get my card updated and again I was unable to pay the loan off. Meanwhile interest continued to accrue. There is nothing wrong with my card. I use it almost every day. There is over {$1000.00} in the account and Ive been with this bank for more than 20 years. Ive tried everything I know to do to work with them to get this straightened out but despite hours of my time, to no avail. Please help.

Company response to consumer: Closed with explanation