vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
There were several overpayments on my mortgage account that I am requesting a refund for. I have written to both XXXX and Loancare and talked to several of their representatives and supervisors with no success. We have been working on this refund request for two months now and Loancare 's customer service department keeps giving me the run-around and telling me the refund request has been escalated and will be completed in 3-5 business days and a check will be overnighted to me. Still no refund check, two months later. This request initially started with XXXX XXXX in XXXX, in the midst of our loan being transferred to Loancare. We initially had two loans with XXXX only XXXX of which was transferred to Loancare. The overpayments were supposed to go to the other loan, still with XXXX. 

It is now XXXX and I was just told that or money was sent to XXXX XXXX  and that Loancare will have to request the refund from XXXX XXXX for these funds. Also, we were told to request an Advocate on Loancare 's website. All that I would like, is to receive the refund of our hard earned funds. This is quite disheartening and very upsetting. That we keep getting tossed around with no resolve. The refund amount that we are requesting is {$36000.00}. We have provided Loancare with all of the proof of payments and written requests and we are still no closer to having the money in our hands. As of today XX/XX/XXXX, our loan is not due until XX/XX/XXXX. 

This entire issue/situation has been disheartening and this issue has truly caused a hardship on me and my family. I hope that you are able to assist.

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 2019-08-03 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit score keeps going down and the reason given is that theres a high ratio between balances and credit limit. This is incorrect and incomplete information because I pay my two credit card balances in full upon receipt of the monthly statement. What appears in my credit report is merely the minimum payment due, not my actual payment every month. The only thing I carry a balance on is my newly acquired auto loan. I have a zero balance on everything else. This is incomplete and incorrect information on my credit report which causes my XXXX XXXX to be erroneously lower than it should be. 
I am recently widowed and have always had a XXXX XXXX above XXXX. This is causing me a great deal of stress. Thank you in advance for your assistance in this matter. 

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have the impression that Equifax has made their " Free '' services non-functional by design so as to sell their paid tier. I shall outline the facts below. 

On XX/XX/XXXX, I went to Equifax.com to check whether my credit score was " frozen '' -- as I had placed a freeze in XX/XX/XXXX after their well publicized data breach. It was impossible to create a functional working login and password on their main website or any of its services : MyEquifax.com, LockAndAlert.Equifax.com, etc.. For each of these Equifax services XXXX I could set up credentials but then the login and password were never recognized when I tried to log in. I called their customer support line around XXXX XXXX EST on XX/XX/XXXX and had to wait 50 minutes to speak to someone who only transferred me to another representative, making me wait another 60 minutes to transfer me to someone else. It was exceedingly difficult to merely place a freeze on my credit file. 

Furthermore, it took a series of emails with Equifax, in which they ignored my essential question about how to " reset '' my password, in order for them to finally send a password-reset email, which arrived on XX/XX/XXXX. When I finally reset my password today ( XX/XX/XXXX ) the new password, again, was unrecognized by MyEquifax.com. 

I believe that this firm has violated and continues to violate my rights to manage the privacy of my credit file. I believe that Equifax has purposely and willfully made its non-paid tier of digital services effectively unusable for XXXX citizens like myself who do not want to pay this firm to actively monitor and help me control the privacy of my own credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: TX

Complaint narrative:
initiated a transfer from money lion to money lion checking would not allow me to transfer to my XXXX account even though it is linked to the account. I initiated this on XXXX19 it is XX/XX/2019 no response money was remove from investment but has not been transfer to money lion checking or XXXX checking account no response from company long wait times no response from XXXX XXXX nothing from the company and multiple complaints for multiple users

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I signed a contract for a loan for XXXX. I knew the interest was high but I planned on buying it out after three months. When I called to buy out the loan I was told it was over 2000. That was because the representative gave me the amount I owed if I paid month to month. Ex if I paid XXXX per month for 20 months I would have paid XXXX. I read my contract and called again because it was only supposed to be XXXX. When I called and asked again they said that it was still 2000 and my early buyout in my contract was an estimate. I have refused payment since XX/XX/XXXX and I contacted them after I realized that they broke the fdcpa. They now want me to pay XXXX for late fees and past payments when my account would have already been closed if they followed contract. They have been sued before for violating the fdcpa and get complaints on the daily. This could have been a good experience if they didnt lie to try and con me and tried to come up with a resolution since they cant agree to mine

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-03 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: MA

Complaint narrative:
Earlier this year I started receiving credit report information for a person named XXXX XXXX with the last 4 of his SSN being XXXX. The report said that his new address was now being reported as XXXX XXXX XXXX XXXX, XXXX, MA XXXX. 

No XXXX XXXX has ever lived at this address since I built this house in 1997 and have been the only owner since that time. My information is XXXX XXXX XXXX. 

I called the TransUnion number on the report 4 times and was handed off multiple times with offshore representatives and was told it would be corrected. Just this week I received more financial solicitation mail for XXXX XXXX at my home. 

I would like this corrected and TransUnion has been less than helpful and a drain on my time. Why is XXXX XXXX claiming my home address anyway? I would think that TU fraud would have looked into this.

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 2019-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a credit card ( ending in XXXX ) purchase with XXXX XXXX {$2500.00} XXXX on XX/XX/XXXX. On XX/XX/XXXX, Capital One refunded this {$2500.00} per my request. On XX/XX/XXXX, XXXX, refunded the {$2500.00} back to my credit card account. On XX/XX/XXXX, Capital One made a credit adjustment to my account in the amount of - {$2400.00}. As a result, my reward balance reflects - {$30.00}. This is an unfair use of my rewards due to the fact that ( 1 ) I did not redeem my rewards and this has resulted in me ( 2 ) starting at a negative rewards balance. I reached out to Capital One, several times last week to resolve this issue. As of this date, the issue is not resolved. My resolution would be to adjust my reward balance to reflect accurate reward activity versus a negative balance due to the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I made and online dispute with Equifax about medical collections XXXX XXXX  XXXX the dispute resulted in me calling them because I cant log in to the website to check the status. When I am prompted to answer security questions they do not pertain to my credit history at all like my identity is invalid. ( They do not have an explanation for that were sorry for that just call ) Also my disputes are about medical collection verification due to having insurance during some services and dates being wrong. Plus my report just says medical collection, balance owed. And thats it? No information at all. From 5 years ago but dated very recent. I asked XXXX XXXX XXXX the supervisor how they validated the debt and she literally said we dont have any form of proof to send you via mail I asked, how do you not have proof of something that I dispute? She said again sorry I dont have proof. So, I asked well then if you cant prove it then take it off my report. She said, we cant do that if the agency says its valid. How is this a fair practice? They can just say I owe the debt without submitting valid documents? So basically if you dispute something they just asked the agency if its valid and if they say yes, thats all they need? Im glad that isnt how the justice system works! In my opinion medical debt should be excluded from credit history. Its not a ( loan XXXX or XXXX credit ) at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Thursday XX/XX/2019 I attempted to contact 'XXXX ' to temporarily lift a freeze on my credit report, unable to access my online account ( that I created 2 years ago because I was a victim of their data breach ) I had to speak to a person on the phone and have them do the unlock for 24 hours. They asked me for several items of information to " verify I was the account owner. '' The oil company trying to obtain my credit report told me it was never unlocked and could not access my credit report. Friday XX/XX/XXXX, I again could not access my account online, and had to speak to another 'XXXX ' employee ( note : both times the customer svc. person had a heavy, hard to understand accent ) who again asked me the same items of personal information to verify my account ownership. They said it will be unlocked for 24 hours and again, the oil company could not view my credit report. So, the oil company suggested I try 'Transunion ', I attempted to go onto my account that I set up 2 years ago, could not log on with them, so I called their customer service line, began speaking with a very heavy foreign accented person, who was plainly reading a script like a robot, and wanted my personal info. I became suspicious and ended the call. I then tried to access my 3rd credit reporting agency account, 'XXXX ',  not surprised, could not log in. 
*I locked these 3 credit reports 2 years ago, I kept very accurate notes of my user names and pin # 's, so I know my records are correct. 
* I had to allow a company to view a credit report 4 months ago, and it worked fine, no hiccups. 
* * My concerns are : these 3 credit reporting agencies XXXX, XXXX, Transunion have again suffered a data breach and I gave my personal info to a stranger who's going to use it for identity theft. Why are all 3 agencies unreachable through online log in at the same time??

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 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Thursday XX/XX/2019 I attempted to contact 'XXXX XXXX to temporarily lift a freeze on my credit report, unable to access my online account ( that I created 2 years ago because I was a victim of their data breach ) I had to speak to a person on the phone and have them do the unlock for 24 hours. They asked me for several items of information to " verify I was the account owner. '' The oil company trying to obtain my credit report told me it was never unlocked and could not access my credit report. Friday XX/XX/XXXX, I again could not access my account online, and had to speak to another 'XXXX XXXX employee ( note : both times the customer svc. person had a heavy, hard to understand accent ) who again asked me the same items of personal information to verify my account ownership. They said it will be unlocked for 24 hours and again, the oil company could not view my credit report. So, the oil company suggested I try 'XXXX XXXX, I attempted to go onto my account that I set up 2 years ago, could not log on with them, so I called their customer service line, began speaking with a very heavy foreign accented person, who was plainly reading a script like a robot, and wanted my personal info. I became suspicious and ended the call. I then tried to access my 3rd credit reporting agency account, 'experian ', not surprised, could not log in. 
XXXXI locked these 3 credit reports 2 years ago, I kept very accurate notes of my user names and pin # 's, so I know my records are correct. 
* I had to allow a company to view a credit report 4 months ago, and it worked fine, no hiccups. 
* * My concerns are : these 3 credit reporting agencies XXXX, experian, XXXX have again suffered a data breach and I gave my personal info to a stranger who's going to use it for identity theft. Why are all 3 agencies unreachable through online log in at the same time??

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 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my credit file, it shows that I only have a credit history of XXXX, which is inaccurate. I have a XXXX XXXX Credit Card that is still active and current and was opened on XX/XX/2003. It is my oldest credit account and has been opened for over a decade. Attached I have is a copy of the account ( circled ) the account number and the date it was opened. It's a copy from XXXX, but it shows on all three of my reports.

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 2019-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: NC

Complaint narrative:
Simon 's Agency Inc. is the bill collector trying to collect on a account that was opened XX/XX/2014. they said the original account belonged to XXXX XXXX Special SVCS. I wrote several letters to the credit bureau and to Simons Agency stating that this account does not belong to me or was it opened by me. I asked for original and signed documents for this account and the Agency just send me copies of statements. I wrote several time and I keep getting the same respond. This account is only showing up on XXXX of my credit report, the other 2 bureau XXXX and XXXX has deleted and removed this account from my credit report. I would like for this account to be removed and deleted from XXXX as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have credit alerting provide by XXXX  ( XXXX ). I received an email notification XXXX19 that a company called COMENITYCAPITAL/BUILD had made an inquiry about my credit. I have no idea why they would have done so. I locked my credit using my XXXX  account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
SP Servicing received a notice from the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX that they would like to do a deed in Lieu of Foreclosure on a property located at XXXX XXXX XXXX XXXX XXXX AZ XXXX. 
Sp Servicing did not want to accept the property and Requested that the Sellers attempt a Short Sale on the property and received their independent BPO on the property. 
On XX/XX/XXXX the home was listed thru XXXX XXXX XXXX XXXX as a Short Sale in the XXXX XXXX AZ and an offer was tendered and accepted on XXXX. 
The offer was submitted to SP Servicing together with other offers and 3 days later SP Servicing rejected the offers & requested the listing be placed for another 7 days to procure other offers. 
12 days later SP Servicing received all of the offers and then requested an addition 7 days for the property to be active in the XXXX. After this 7 day period with all offers in hand SP Servicing rejected the postponement of the Foreclosure due to less than 30 days left before foreclosure date.ThXXXX Investor has their Broker Priced Opinion and the offers tendered were above the asking price and the BPO pricing. SP Servicing manipulated purposely the events that cause this property to be foreclosed and their unfair practices should be scrutinized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit file, it shows that I only have a credit history of XXXX, which is inaccurate. I have a XXXX XXXX Credit Card that is still active and current and was opened on XX/XX/2003. It is my oldest credit account and has been opened for over a decade. Attached I have is a copy of the account ( circled XXXX the account number and the date it was opened. It's a copy from XXXX, but it shows on all three of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased a XXXX XXXX on XX/XX/2019 from Kohls Department Store on XXXX XXXX XXXX as a birthday gift for a friend at the end of XXXX. Once I gave my friend the XXXX, we realized that it did not work properly. It will not sync and will not charge past 50 %. Kohls return policy states that with original packaging and original receipt ( which I have both ), purchases can be returned or exchanged up to 16 months from the date of purchase. When I attempted to return my item, only THEN was I told that this premium electronic item only has a 30 day return policy and there was nothing that could be done. It would have been impossible for me to return the item within 30 days because it was not opened or used until XX/XX/2019. All I asked them to do was exchange my non-working XXXX for one that works or credit back my account the purchase price of {$99.00} ( plus tax ) and they refused to do anything at all. I was never notified of this special time limit on my item at the time of purchase ( almost like when you are told All Sales are Final when purchasing a clearance item ). I am now - {$100.00} and have a XXXX that does not work. Its as though I am being punished for planning ahead and buying an item in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
A account was opened up in my name with capital one several times

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not sure who reports my employment information to the credit bureaus but my current employer is not correct, it has me at XXXX  XXXX XXXX. How ever I have worked at XXXX XXXX XXXX for the past 17 years. They are my current employer I would like this updated on my reports.

Company response to consumer: Closed with explanation