vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan Depot contacted me to refinance my loan with them to lower my rate. I closed the loan with Loan Depot on XX/XX/XXXX. This was a refinance and was disclosed as a no cost loan where Loan Depot was paying off their own loan and originating another at a lower rate. I was told I would not have to come in with cash to close. On XX/XX/XXXX, I received my check from my escrow account on the loan that was paid off and was shocked to find that Loan Depot used my escrow account to pay down the payoff. I then pulled the final XXXX statement and it too showed that they used the escrow funds to pay down the loan. This was not disclosed on the initial disclosures when I first applied for the loan or on the estimated closing statement from Loan Depot or XXXX XXXX XXXX. This meant that I had to come in with funds to close. On XX/XX/XXXX, I filed a complaint with Loan Depot 's Compliance Department. After corresponding several times with XXXX XXXX, their Customer XXXX Manager, she informed me on XX/XX/XXXX, that this was a normal practice. I then received an additional check from Loan Depot from my escrow account of {$32.00} dated XX/XX/XXXX. This amount, did not cover what they took from my escrow account to pay down the loan. I closed the loan expecting to get my escrow account balance sent to me after the loan closed. They never disclosed that they would be taking funds to pay down the loan. I find the way they handled disclosing the terms of the loan to be deceptive and I wonder how many other customer 's they refinanced and have done the same without them knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
We requesting mortgage forbearance in XX/XX/2020, lender added XXXX to our principal for XXXX-XXXX payments. 
We paid XXXX and two payments in XXXX which cover the arrears. 
On XX/XX/XXXX lender send letter stating we requested another forbearance, our account was brought to date in XXXX, there was no need for forbearance lender added another XXXX into deferred principal XXXX XXXX WHY? 
Lender added this XXXX to principal balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A booked a flight through American Express for my family of XXXX. Unfortunately I had to cancel the trip. I used the chat bot feature to do so. The chat bot informed me that I would get a credit of {$420.00}. Apparently now American Express states its {$420.00} divided among the four tickets. The chat bot function did not relay that or make it clear in any way. I am in need of that full credit amount for an emergency use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management LLC is attempting to collect a debt not owed. Please see attached docements. Futhermore, Credence Resource Management LLC has called me repeatedly causing XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX. After I explained that this wasn't my account and I have proof that no balance existed the calls continued. I have documented calls and messages on : XX/XX/2021 @ XXXX, XX/XX/2021 @ XXXX & XXXX, XX/XX/2021 @ XXXX, XXXX, XXXX, XX/XX/2021 @ XXXX, XX/XX/2021 @ XXXX which is a violation of the XXXX XXXX XXXX XXXX as my phone number is listed on the do not call registry. I have XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX and the continual calling is a huge XXXX  for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Received a letter today claiming that my account with Chase Bank ending in XXXX is blocked and will be closed soon. I did not open an account with Chase Bank and it has been on our local news that allot of people in the XXXX XXXX of XXXX were getting these accounts open without their knowledge. I have no accounts or credit cards with Chase Bank. When I called the telephone number on the letter XXXX XXXX the lady that answered claim the only way to check on the account was by social security number. I did not want to give it to her but I wanted to know the account was closed. When I question her location all she said was she was overseas. I called my local police department because the news media advise to put a police report in with them. It is Saturday so no one there but left a message. Will follow up on that on Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: LA

Complaint narrative:
I recently sent my statement with the balance on my mortgage. I was told that they could not fix the information due to not enough information. How can these people handling how reports be either incompetent, lazy or unqualified to do a a reporting system. 
If my statement show the correct outstanding balance, how can they not correct the it since this is proof of my account balance. 
The statement shows all of the ending balances on my 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
Consumer complaint received 2021-03-06 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: LA

Complaint narrative:
I recently sent my statement with the balance on my mortgage. I was told that they could not fix the information due to not enough information. How can these people handling how reports be either incompetent, lazy or unqualified to do a a reporting system. 
If my statement show the correct outstanding balance, how can they not correct the it since this is proof of my account balance. 
The statement shows all of the ending balances on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I dispute this and it was remove from my credit report but however it came back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: OH

Complaint narrative:
Equifax refuses to remove known inquiries that are hurting my credit. I have contacted the company several times and they refuse to remove the inquiries. They told the CFPB that they sent me investigation information which IS NOT true at all. They have yet to send proof of my consent to these inquiries as asked and I want them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I refinanced a loan with Quicken that I originally had also with Quicken. During that change my autopay stopped and I didnt realize it until I received a delinquency notice in the mail. 

I immediately set up autopay again but they had already reported it and destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reached out to XXXX  and Transunion twice to remove fraudulent activity reporting on my credit. They haven't done an investigation. They keep providing a generic statement that they falsely claimed is verified.

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 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " XXXX XXXX '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX - XXXX XXXX XXXX and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In 2020, a company named XXXX XXXX inquiry my credit many times. And, it send many letter to my home. I dont give the permission to this XXXX XXXX inquiry my credit. I am worried about it. Please give my support. My email is : XXXX, my cellphone is : 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 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My first COMPLAINT ID XXXX on XX/XX/XXXX XXXX happen when my account get closed due to popup in chase website asking to change to paperless constantly. I did not know I have {$140.00} due and my account was closed by chase and I lost all my XXXX points. 

I am not sure how to appeal in this website so I filed a new complaint again. I received XXXX for the points I received XXXX from chase for card ending XXXX. Since chase took my points away by closing my account and I request then to remove the XXXX they issued for card XXXX. I try to get the points back but was denied by Chase in my first complaint ID : XXXX I think the whole thing will never had happen if chase website does not popup to ask for paperless. We all make decision when applying credit card and if I do want to change to paperless I pretty sure i can change easily when I login to chase. I don't need the annoying popup to make my decision for me especially i am in the rush or something. 

I also think closing people accounts the least the bank need to do is track the mail to make sure they received the mail before closing the account. We are in pandemic and it is XXXX when they said they send the mail to me and I have to take it is true? It is chaotic time in XX/XX/XXXX. Didn't we see news about mails or packages not delivered? I never received any mail they said they sent to me. Of course Chase will not believe me and I don't believe they sent me mail either!! 

Is it so hard to send tracking mail especially you going to send to someone about closing account? Especially their last mail for the credit card? All these will save me trouble and I don't believe I am the only one that has the problem with your popup or your mail you said you sent that I never received. 

It's true these problems probably has been there for long time and I happen to be caught into these issues now ... 

I just think you just destroy people like me that have no intention of not paying the {$140.00}, no intention of getting my credit score dinged and no intention to close my account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: CA

Complaint narrative:
I have reached out to Equifax and XXXX  twice to remove fraudulent activity reporting on my credit. They haven't done an investigation. They keep providing a generic statement that they falsely claimed is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: OH

Complaint narrative:
XXXX  refuses to remove known inquiries that are hurting my credit. I have contacted the company several times and they refuse to remove the inquiries. They told the CFPB that they sent me investigation information which IS NOT true at all. They have yet to send proof of my consent to these inquiries as asked and I want them removed immediately.

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 2021-03-06 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
This is part 2 of a partially resolved issue. 

After issue 1 ( CFPB # : XXXX ) was resolved, I was not given a refund for my overpayments which were made to ensure there would be no incorrect reporting to the credit agencies. 

The original purchase was made during a promotional period, 18 months interest free. I paid the the purchase off in 18 months, but was forced to make 19 payments to keep the account current ( see issue 1 ). I'm owed {$190.00} for the overpayments. 

The original balance was XXXX, I paid a total of {$3300.00}. XXXX = {$190.00} Attached are the bank transactions proving payment.

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 2021-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
This complaint is regarding a link to Paypal 's transaction processing services that appears on a business that is apparently defunct. On XX/XX/21, I notified PayPal of the fraudulent website through which it is processing transactions. While I eventually received a refund from PayPal, as of XX/XX/21, the link to PayPal 's payment processing service on the fraudulent website is still active. At this time, I am not requesting personal resolution. However, PayPal should be required to de-activate its transaction services that it provides to this merchant. Consumers should be warned that PayPal is processing transactions for a defunct business. 

On XX/XX/21 I ordered flowers through the website of LA XXXX XXXX ( http : XXXX ). The merchant 's website includes a PayPal link to process the payment. The amount of the payment I made through PayPal was {$86.00}. When the flowers I ordered and paid for were not delivered, I discovered that while the website for this florist appears to be operational ( i.e. you can place your order and submit payment via PayPal ), the " contact us '' feature on the florist 's website does not work, one phone number is out of service, and the ( XXXX ) number is some sort of automated number unrelated to the florist. This florist is apparently out of business, although the website that bears its name continues to actively solicit and process transactions through PayPal. In addition, although I submitted a request for refund to PayPal on XX/XX/21 and notified PayPal that the merchant 's website is apparently fraudulent, as of XX/XX/21, this merchant 's website and link to PayPal 's transaction services is still active.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC
State: GA

Complaint narrative:
Debt collector did not comply with 15 U.S.C. 1692 and provide language in the initial letter notifying the debtor that he or she has 30 days with which to dispute the debt. 
Oliphant Financial XX/XX/2021 {$1900.00} no actions were taken by me --

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
We closed on this losn they had money sitting in an escrow of our along with all the Finance charges and late fees when we were never late and have not reimbursed us for any of that. We paid the loan off in good standings and they should do what's right on there part and reimburse us.

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 2021-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torriere Holdings INC
State: FL

Complaint narrative:
On XX/XX/2020 I received a phone call and a letter from Spire Recovery Solutions that an Account had been turned over to them to collect. The amount was XXXX and they gave me an account and reference number, neither of which gave me any information about where the debt originated. I had to get a credit check from one of the credit bureau 's to find out who the account was with. I never received a bill or notification until the collection agency. I sill could not get any other information except the bank that issued the XXXX credit card. It was listed as written off with the credit bureau. The account was opened and the maximum amount of XXXX was immediately charged and of course no payment was ever made. I have no idea where or how my personal information was obtained to open this account. I don't know why I never received any notification or bill if they had my information. I am thinking the collection agency just searched the name and came up with an address and phone number.

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