vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
our problem has been going on for three months..our loan company has not paid the taxes on our home and they are collecting escrow fees. we are with lakeview loan servicing and called their number only to find out that number is no longer in service. we have been forwared to XXXX and giver a case number of XXXX and have been told that they would contact me within 48 hrs? so far we have had NO contact within one month and have received a letter from XXXX assesors office that as of today XX/XX/XXXX the tax 's were STILL NOT PAID! we just need somebody's help you can reach me XXXX XXXX At XXXX XXXX XXXX Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2019 I received an email from Discover Bank stating if I didn't contact them by XXXX ET that {$4000.00} would be wire transferred out of my savings account. Thinking it was a scam I didn't call the phone number on the email, instead I looked up their number on the Discover Bank website. 

I was informed at that time ( before XXXX ET ) that there was indeed a {$4000.00} wire transfer request. After several security questions Discover realized I was in fact the owner of the savings account. They stated that they would stop the wire transfer. I was given a new Savings account number and my savings balance was transferred to the new account. Apparently, around the same time, the scammer was also on a call to Discover, I guess verifying the transfer. 

I took action and put a security freeze and fraud alert on all the credit agencies. 

On XX/XX/XXXX, I found out the transfer was made when I checked the Discover Bank website and noticed my account was missing {$4000.00} ( {$30.00} transfer fee ). I talked to the Discover Bank fraud department ( " XXXX '' ) on XX/XX/XXXX. I was told by someone at Discover that the {$4000.00} would be back in my account within 7 to 10 days. 

I reviewed a new credit report and the scammer 's address was now on my credit report. 

I emailed, called-left a message, and emailed again the XXXX XXXX Police Department. No response as yet. 

During this time ( XX/XX/XXXX - XX/XX/XXXX ) I've received several emails and phone calls from Discover only to realize the scammer is still in contact with Discover and the scammer has been able to change passwords and change security answers. She was also able to change my new verbal password! No one was supposed to get through if they were unable to provide the verbal password and the scammer was able to change it!!!! 

I checked my savings account online everyday. When the time had passed I called again and they said it just takes time. 

Kept checking my account, no changes, called back several more times. On or about XX/XX/XXXX the Discover rep said it takes time, they are waiting for a response from the bank recipient. While the representative wasn't exactly rude, his tone and things he said made me feel that I may never get the money back. 

I talked to the Discover Bank fraud department rep " XXXX '' today ( XX/XX/2019 ) and was told that the {$4000.00} wire transfer was not covered, basically telling me I may never see that money again. 

I called XXXX XXXX 's consumer team and they referred me to the State Banking Authority and a message referred me to Consumer Finance. 

While not mentioned above, I will also be filing a complaint against Discover Card as my credit account was also compromised. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Ive had to ask CFPB for assistance with JP Morgan Chase before. Im going through a very volatile divorce. On XX/XX/2019 my ex husband stole my wallet and my phone. He made a purchase of {$510.00} on the XX/XX/XXXX. On XX/XX/XXXX he made purchases of {$29.00}, {$30.00}, and withdrew {$1000.00} from my bank account. Chase refunded the {$510.00}. However they are refusing to reverse the rest of the charges stating that the signiture looks similar and he used my debit card. They even we so far as to say they dont know who should let him withdraw money with a XXXX id. I dont know either but it was not me and I need my money back. They insisted they sent me letter. I received a secured message a week after they told me they denied my request and they are refusing to allow me to appeal the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been trying for several months to get Equifax to remove the bankruptcy from the credit report. Equifax is showing the incorrect filing date and I'm providing documentation from the bankruptcy court to  show that the information filed is ten years old and should be removed from my report. XXXX  and XXXX have already removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
My Name is XXXX XXXX and I have been using Square ( Cash App ) for almost 4 years. I have my XXXX XXXX   debit card and account number linked to this app. I have never had any problems using this money transfer app. I send my roommate ( XXXX XXXX ) my portion of our house bill via Cash App every month. 
However, On XX/XX/2019 around XXXX, I tried transferring my portion of our bills ( {$380.00} ) to XXXX XXXX via Cash App. I opened my Cash App account, l went to recent activity, I selected XXXX XXXX  name, which was on top my recent activity list, and I sent the money. He accepted it right away ; He replied with a thumb up. On the following day, while I was at work, my roommate, XXXX XXXX called me and asked for my portion of the bill. I told him that I had sent the money yesterday via Cash App, I told him that he even replied with a thumb up. He said, " let me check, I don't think I received any money or replied to you yesterday. After checking his Cash App account, he said to me that he did not receive the money. I opened my Cash App account and checked the transfer. I realized that there were two XXXX XXXX  accounts. I knew right away that I was scammed because I have only been sending money to one XXXX Account. I realized that someone created a fake account using my roommates information. The Scammer also appeared on my recent activity list, which I could not understand. I was confused and wondering how could his be possible. 
So, I contacted my bank, XXXX XXXX right after I got off the phone with my roommate and told them not make payment to the transfer. I explained to them the whole problem. The Fraud Specialist told me that they couldnt stop the payments or investigate the matter. I would have to contact Cash App and tell them to initial a dispute. 
I emailed Cash App ( Cash Support ) and told them everything. They told me that they are Cash App is unable to initiate disputes with a customers bank on their behalf. 
After making several phones calls to XXXX Fraud department and exchanged many messages with Cash App support group, both companies made it clear that  they were not going to investigate my case. 
So, I did XXXX all weekend ( XXXX XXXX XXXX XXXX ) to pay my portion of the bill. I made XXXX and I added other money that I had in my XXXX account. I went to my Cash app account, this time I was more careful, selected the right XXXX XXXX account, I transferred {$380.00} to his account. I was confident that this time he would get the money. Also, I had transferred {$20.00} to XXXX XXXX via Cash App on XX/XX/XXXX and it was successful. Unfortunately, the money went to the scammer. This was more confusing, because I selected the right account. I contacted XXXX Fraud right away and Cash Support. Both said they could not help. 
I lose a total of {$770.00} ( {$380.00} * 2 ). I will close both accounts as soon as I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sunset Solutions Group, LLC
State: TN

Complaint narrative:
After repeated calls with no company name given ( between XX/XX/24 and XXXX ), I called to inquire as to the nature of their calls. 'XXXX XXXX said their name was XXXX XXXX XXXX and they were turning my debt over to the attorneys to file a lawsuit if I did not make arrangements that day. I requested written verification of the debt. She refused saying they didn't have to. When I advised that by law they do have to provide verification if requested she began to berate me saying I owed the debt and was going to be sued and possibly arrested. I hung up on her. She called again from a different number and immediately said " I'm sending this to the attorney 's now ''. I again hung up, drafted a letter requesting written verification and have sent it registered mail. This is was an abusive call and violates the law.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-06 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: U.S. BANCORP
State: CT

Complaint narrative:
I mailed my credit card payment on XX/XX/XXXX which was due on XX/XX/XXXX along with two other payments to other institutions. Those two other institutions both cleared those checks on XX/XX/XXXX. XXXX has stated that they did not receive my check until XX/XX/XXXX and cleared the payment on XX/XX/XXXX. 

After calling their customer service number twice and spoke to a Supervisor, I was told this was a US Post Office problem and not a XXXX processing problem. Considering I have made payments in a timely manner for at least several years with them and not experienced US Post Office problems, they were not responsive and would not waive a late payment fee nor interest charges. 

As this card is associated with my XXXX investment account, I intend to have to cancel both the credit card and investment account. This is not how a respected card company should be dealing with a good customer.

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 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I received a letter dated In XX/XX/XXXX that due to a system error on their end i had an application denied for a secured credit card. The denial placed a Hard pull or Inquiry on my credit report dated for XX/XX/XXXX. I do have a secured card with Citibank which i applied and was approved on XX/XX/XXXX. I am asking the XX/XX/XXXX Inquiry to be removed due to no fault of my own. 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 2019-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
Purchased a watch from very convincing website, XXXX XXXX XXXX on XX/XX/19 paid via moneygram {$820.00} plus {$70.00} fee. Funds were picked up by XXXX XXXX in XXXX, XXXX at XXXX CST on XX/XX/19. Reference # : XXXX I received confirmation emails on the process of the watch. Last email stated watch was in quality control dept. As more and more time passed, i sent several emails asking when watch will ship out. Owner, XXXX, only replied once saying everything was fine. Then i read reviews online and people said its a scam, your order will stay in quality control status forever, and the owner never returns emails or answers the phone, and your money is gone. I sent several emails and called and no reply. Never received watch. ( His other sites are possibly XXXX and XXXX ) These sites need to be shut down. Moneygram needs to contact them and prohibit them from using moneygram as a form of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: NY

Complaint narrative:
XXXX XXXX was reported on XX/XX/XXXX via TransUnion. However, fraudulent application have been submitted my identity without my consent to fraudulently obtain services. Do not extend credit without verifying the identity of the applicant. 


Also, XXXX XXXX was reported on XX/XX/XXXX via XXXX. I was being told its bern removed, but its not. Ive sent out a letter to XXXX since XX/XX/XXXX, but nothing has changed ever since.

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 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
I reported to XXXX an error on my credit report for Cavalry ( XXXX ) debt collection. The error is that they are not reporting monthly payments but indicate in the comments partial payments being made. How payments are made and reported is crucial for how the credit report is reflected. Isn't scheduled payments of an agreement whether partial still a payment? Then the payments and more particularly, the amounts should be reflected regardless of the collection amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification or validation of this debt after disputing it. Please delete this item immediately for its a violation under the FCRA. ( See attached documents proving that the debt was deleted after disputing ).

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 2019-05-06 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: NY

Complaint narrative:
XXXX Card was reported on XX/XX/XXXX via XXXX. However, fraudulent application have been submitted my identity without my consent to fraudulently obtain services. Do not extend credit without verifying the identity of the applicant. 


Also, XXXX XXXX was reported on XX/XX/XXXX via Equifax. I was being told its bern removed, but its not. Ive sent out a letter to Equifax since XX/XX/XXXX, but nothing has changed ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I applied for credit at my credit union and the application was declined, with a reference to Equifax credit bureau reporting. I called the phone number referenced in the decline letter. A pre-recorded message advised of a website - www.equifax.com/fcra - that could provide an online report. However, when I filled in the information requesting the report a response was provided which advised that " Online Delivery Unavailable '' further advising me to contact them at XXXX. 

XXXX is an automated line, with no option to speak with an agent. Obviously, I wanted to speak with a human so that I could determine why my online request was denied. 

So I then went to the main Equifax website and found a support phone number - XXXX. This number was routed to a call center in XXXX. The agent immediately requested my Social Security Number - for the record I am not comfortable providing my SSN to call center agents outside the US, there should be a law against call centers outside the US collecting SSN.

Regardless, after providing the agent my SSN the agent directed me to XXXX and advised that I could get my credit report there. This is fraudulent, as XXXX provides one free annual credit report as required by law. Whereas I'm entitled to a separate free credit report having been declined credit. Using XXXX would have inappropriately used my one free annual report instead of the free report I'm entitled to having been declined credit. 

After explaining this to the agent, I was redirected to a call center in the XXXX where the agent again requested my SSN ( see comments above regarding providing SSN to call centers outside the US.

Reluctantly I again provided my SSN. This prompted a long list of  questions regarding my personal credit history. Many of these questions were nebulous and required my to provide far more personal credit history than was needed to verify my identity. Instead of asking open-ended questions about my credit card payments, the agent should have asked yes or no questions such as do you have an account with xyz with monthly payment of xxx.xx?

Finally I was advised that a credit report would be mailed to me via the USPS and arrive in 7-10 business days - not very helpful as I need the denial information NOW. 

This entire process was deceptive, convoluted, inaccurate, unnecessarily lengthy and required disclosing sensitive personal information including PII, credit card information, and other data to entities outside the US.

It is outrageous that this is the best the credit bureau companies responsible for US citizen 's person financial information when it comes to reporting on declined credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
cabela 's club and capital one of XXXX, north Carolina XXXX XXXX XXXX XXXX-XXXX-XXXX-XXXX sent check for {$110.00} XXXX XXXX capital one did not cash check till XXXX received bill from capital one XX/XX/XXXX for {$150.00} called capital one tuesday XX/XX/XXXX at XXXX XXXX. lady told me I had no balance and did not no why I received a bill. 

have received bills from capital one XX/XX/XXXX for {$40.00} and XX/XX/XXXX for {$40.00}. called both times talked to 2 ladies but could not get this resolved. 

sent complaint to atty general office of north Carolina got this to fill out

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I Purchase is an airline ticket on XX/XX/XXXX and it was XXXX dollar but the I realize it was the wrong airport so I called right away to cancel the ticket and since it was before 24 hours so I could cancel it and get a refund which is what supposed to post in my account in 5 days and on XX/XX/XXXX I got the money back so I purchase another airline ticket with the same money that I got back but it was XXXX dollar and the money was taking out of my available balance on XX/XX/XXXX but it was saying pending on the statement but it was out of my available balance already on XX/XX/XXXX the XXXX dollar Was taking again out of my account but showing in my account as it was only one charge .. and I am not even able to see the first airline ticket or the refund on my statement because they said it was dropped charge like it was never happened but it did happened..thats not the first time this happened it did happened before but I usually get the money back after the weekend on Monday but this time no it did got back .. I tried calling them and they explaining but they only say one thing.. I dont see it on the statement.. so why I cant see my purchase for the first airline ticket that it was refunded.. this is my money and I am supposed to see all the charges I made and the refund on my account.. I am missing XXXX dollar from my account which is got Disappeared from my bank account and I need to get this money back I dont know what to do

Company response to consumer: Closed with explanation