vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
We purchased a property and escrow closed XX/XX/2021 with a First Payment Due Date of XX/XX/2021. We made our first payment electronically to Guaranteed Rate ( NMLS # XXXX ) XXXX, XXXX ( NMLS # XXXX ) on XX/XX/2021. We have a full bank statement to show the payment was withdrawn by Guaranteed Rate and an electronic confirmation of the payment from Guaranteed Rate. As of today XX/XX/2021 Guaranteed Rate claims they can not find our payment and are refusing to accept further mortgage payments. We are being FORCED INTO DEFAULT by Guaranteed Rate REFUSING to accept our next payment. As of this XXXX PST on XX/XX/2021, Guaranteed Rate claims they still have not found our XXXX payment, refuse to accept further payments and have sent us to collections. Unbelievable!!! I have spent the month of XXXX and the first week of XXXX calling to follow up only to be transferred around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
PHH Mortgage ( " PHH '' ) purchased my mortgaged on or about XX/XX/2021. All of my mortgage documents pre-PHH clearly indicate that my home insurance policy is not to be paid out of my mortgage account. The funds in my escrow account are only to be used to pay for property tax. 

On XX/XX/2021 PHH funded a check from my escrow account in the amount of {$1100.00} and sent it to my home insurance company. The amount of this check does not reflect my annual home insurance premium and it is unclear to me why a check was processed in this amount. On XX/XX/2021 PHH funded another check from my escrow account in the amount of {$810.00} and sent it to my home insurance company. The amount of this check again does not reflect my annual home insurance premium and it is unclear to me why a check was processed in this amount.

I have contacted PHH on numerous occasions to make it clear that they did not have my authorization or permission to utilize the funds in my escrow account to pay for my home insurance. Beyond that, they made these unauthorized payments to my home insurance company on two separate occasions in amounts that do not even accurately reflect my home insurance premium. 

I have continued to contact PHH and express concern that they will raise my monthly payments because of the deficit in my escrow account -- which they created. 

PHH has failed to return any of my calls or messages in over a month. 

I feel I have no other recourse but to submit a claim that : 1 ) PHH accessed funds in my escrow account without authorization or permission, 2 ) PHH has caused a deficit in my escrow account which will likely increase my monthly payments due to their unauthorized access and through no fault of my own, and 3 ) PHH has failed to address any of the concerned detailed herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
{$2700.00} transferred by me via Western Union was not received by the recipient in XXXX. Attached is the bank account statement of the recipient that shows the Western Union deposits received by the receipient. A deposit of XXXX reais ( {$2700.00} ) scheduled for XX/XX/2021 is missing! 

I have written to Western Union and sent an appeal as they claim the funds were sent but have not provided proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Conduent Incorporated
State: NV

Complaint narrative:
Complaint is against Way2Go ( Mastercard ) for withholding unemployment funds placed in their trust to be turned over to the unemployed worker, and if requested, transferred to the individuals bank account. An accumulation developed because Way2Go failed to provide the cards by XX/XX/XXXX, the start date. Stories emerged to deny the requested transfer to the confirmed bank account but to keep the money longer by Waya2Go. In order to deny the transfer, the false claim it was not part of the Nevada program was proffered. Also, to prevent the transfer, a false security issue was entered to correct the entry of transfer information on the website. The false security issue was then claimed to be uncorrectable ; and then only a {$100.00} can be withdrawn at a time, leaving Way2Go ( Mastercard ) to use, without authorization and contrary to directions, the unemployed seniors money for time to come. Complaints to the federal Consumer Protection Dept resulted in the matter being assigned to higher ups. Caller ID from those higher ups appeared to originate from a non-working New York phone number. ( Caller ID showed XXXX origin located in New York, while their actual location is Texas, area code XXXX ) Finally these two individuals stated that they had arranged for the transfer, but failed to do so. Instead, they intentionally engaged in elder abuse, having specific knowledge of the age of the individual having required and received a copy, both sides of the seniors drivers license, by withholding the seniors own money that might be critical funds necessary for housing, food or other necessaries, especially during the covid crisis ; forcing the senior out into dangerous heat to go to the bank in order to obtain access to her own money. As I told them I would, I am looking for an attorney to file, if possible civil and criminal charges against them for the willful refusal to distribute the money to the rightful owner, breach of trust, abuse of a senior ( over XXXX  ) and claims against Mastercard for the same. This will cause a senior serious financial hardship for just trying to obtain what is rightfully hers. Having failed to fulfill their legal obligations and transferred the monies, Way2Go forced a senior into dangerous heat in order to transfer money into her bank account by requiring that she go personally to the bank during an excessive heat warning in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I recently logged into my Chase.com account and noticed a section for " Chase Offers '' at certain merchants. One offer was for " 10 % back '' at XXXX XXXX. Since I was looking to buy a new television, I decided to use my Chase issued United Explorer card to make this purchase- a card I rarely use otherwise. On XX/XX/2021 I made the TV purchase on XXXX for a total of {$690.00}. Based on the offer, I should've received {$35.00} back from Chase as the offer is capped at that maximum. 

On XX/XX/2021 I received my monthly credit card statement with the full amount of {$690.00} as the balance. I waited until today, XX/XX/2021, to see if that {$35.00} credit would somehow be posted ( which it wasn't ) before calling into Chase customer service. I explained the situation to the customer service agent, but she indicated that I am not eligible for that offer. I asked how that was possible, given that I was logged into my Chase account at that very moment and still saw the offer in my account with a green check mark indicating it was active. She double-checked and continued to insist that I'm not eligible for that offer.

Since the only reason I used my Chase United Explorer card to make this purchase was for the expected {$35.00} credit, this seems like a definite case of misleading marketing or abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Refinanced this loan with a local bank. This local bank sent the payoff the Lightstream overnight. There is XXXX  tracking information to prove the payoff arrived at the correct location and signed for by an employee. Lightstream admitted to the address being correct, but said they could not find the package. They lost the payoff. Lightsream took additional payments out of my account 3 days later and then again the next month. The local bank cancelled the first payoff check and again overnighted a new payoff check to the same address and their expense. This payoff was received and the loan was paid off. However, Lightstream is unwilling to credit me back interest from the time they received the original payoff ( which they lost ) to the time they received the next payoff. Some excuses from them have been as follows : the package was too heavy and there is no way of proving a payoff check was actually in the first package ( the one they lost ). How do they know the package was too heavy? They can't even find the package! We have made several phone calls to them and they will not talk to us about the issue since the bank is the one who sent the payoff. So, since they will not give us information on our account with them, the bank has made approximately 10 phone calls to plead our case. Only one time has the bank received a phone call back. The bank has asked twice for a refund of interest from the time period between checks. Both requests have been denied again with reasoning being there is no way of proving a payoff check was in the first envelope they lost. I do not believe it fair for a lending institution to lose a payoff and then continue to charge interest on my account. This seems like a very bad practice. A bank would not pay to overnight a package with nothing in it!

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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I opened a new checking account at the XXXX XXXX XXXX of Chase in XXXX, KY on XXXX XXXX for {$12000.00}. As of XX/XX/2021, none of my funds are available and the Chase representative said I didn't have any deposits pending. As of XX/XX/2021, it has been 11 business days since I deposited the check for {$12000.00}. I have a receipt for the deposit. I spoke with a representative of the bank over the phone ad she said I had {$0.00} available and if I was unhappy with being a Chase customer, I was free to clo se my account at any time, but I would't receive any funds because I had an account balance of XXXX. I want to close my account but not if it means the loss of my {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I was cornered by a man at my Chase bank ( XXXX XXXX XXXX, XXXX, NY XXXX ). The man had a check of {$700.00} that he told me to deposit into my account so that he could get the cash that he needed. I told him to speak with the chase office but they weren't open. I was alone and felt scared so I did as I was told. The check went through and the funds were available in my account and I gave him {$500.00} cash and was told to transfer the rest via XXXX. On XX/XX/XXXX, my account went to the negatives as I was charged the {$700.00}. I explained the bank, customer service, and fraud dept. but they turned my case down. We were able to deduce that the check was associated with XXXX XXXX and deemed altered. XXXX XXXX then returned the money from the check to the original check 's owner. They claimed they wouldn't be able to do anything without the owner 's permission. I have been trying to contact the owner but they were not picking up my calls. They read my message and accepted the XXXX transfer. Chase contacted XXXX XXXX today and XXXX XXXX refused to return the money. So my account has been withdrawn and the person who deposited the check into my account has the money in their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters to the bureaus on XX/XX/21 & XX/XX/21 I have heard no response to my letters. I will attach what I have sent. I'm aware that under the 602 [ 15 U.S.C. 1681 ] they are in direct violation of my rights.

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 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached two accounts that are reporting incorrect information on my credit bureaus, per the FCRA they have to report accurate information which they are not. Please delete these two accounts from my credit bureau.

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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I filed a complaint with Huntington Bank because XXXX and XXXX charged me {$170.00} on XX/XX/2020 for a canceled transaction. Huntington does not review disputes. They automatically find in favor of merchants committing fraud or other inappropriate consumer practices, in this case charging me for a canceled transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Thank you for reviewing my complaint. I am sorry it is taking this much effort to get results, but it is impossible to get ahold of anyone helpful at MoneyLion ( https : //www.moneylion.com/ ). MoneyLion is an online app that provides services such as investments, credit monitoring and personal checking. 

I am moving on XX/XX/XXXX and used their checking service as a rainy day fund, rarely withdrawing and depositing to both their checking account and an investment porftolio. 

XX/XX/2021 : First fraudulent charge from XXXX in the amount of {$39.00} XX/XX/2021 : I contacted MoneyLion about the XXXX  charge. Moneylion representative said debit card would be canceled and I had to fill out their " standard form '' and fax/email it to them re my claim. 

XX/XX/2021 : Card was not canceled. Additional fraudulent charges by XXXXXXXX XXXX XXXX in the amount of {$400.00}, {$11.00},. Initially I thought a paypal transaction was fraudulent but i did my due diligence and confirmed that XXXX XXXX {$60.00} was VALID. 

I am unable to get anyone to provide provisional credit, confirm status of my fraud claim and i am told i will receive a PAPER LETTER in 10 days. I am moving on XX/XX/XXXX and need the fraudulently charged transactions reversed, and all moneylion accounts closed INCLUDING my portfolio. 

My rainy-day fund was wiped clean and I am unable to get any assistance. I just graduated law school and am moving on XX/XX/2021. Please help so I dont have to litigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex made me an offer via email through my Delta Skymiles acct. Apply for Amex Skymiles Gold Card and among other rewards, receive a {$200.00} airline credit on Delta for use as soon as application is approved. 

I applied, was approved, purchased an airline ticket on Delta and Amex now claims the offer did not include the {$200.00} airline credit, even when I showed them the ad that is on the Delta Skymiles account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have written letters to XXXX, TransUnion & XXXX  about inaccurate information reporting on my personal credit report. I understand that under the 602 [ 15 U.S.C. 1681 ] it's against my rights to have inaccurate information on my credit report. I'm trying to buy a new home for my family but am unable to do so because of inaccurate information on my report.

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 2021-08-05 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 filing this complaint to address fraudulent or erroneous information reported to my credit. I am aware of being impacted of several breaches however, I am unaware of who may have compromised my information. The way the accounts are reported and the timeline of event do not reflect my proven financial behavior patterns and I have tried to dispute and file an identity theft report, these accounts were not opened by me and I am seeking a correction. I am running out of patience, I've been trying to get these accounts removed for months now. On XXXX I filed the identity theft report in which I outlined those accounts that I do not recognize ; XXXX XXXX XXXX {$6300.00}, XXXX XXXXXXXX {$2900.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXXXXXX XXXX {$2500.00}, XXXX XXXX  XXXX {$0.00}. I have also tried to resolve these issues on my own however, as the consumer and the victim I have found the companies and reporters involved to be unreasonable and nonchalant when it comes to investigating. I am hoping that this complaint will address these issues and remove these fraudulent 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 explanation
Consumer complaint received 2021-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached two accounts that are reporting incorrect information on my credit bureaus, per the FCRA they have to report accurate information which they are not. Please delete these two accounts from my credit bureau.

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 2021-08-05 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: NY

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an account that reporting to all three of my credit bureaus incorrectly and not accurately, per the FCRA they should be reporting accurately to all three bureaus if they all come from the same creditor. PLease delete this account.

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