vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I sold my house XX/XX/2018 and paid off all my bills. Idaho XXXX notified the credit bureaus I paid my mortgage off but credit bureaus say they did not. I had my credit report run & they show as of XXXX I made no more payments which means Idaho XXXX did report to them. I have spent hours on the phone with all of them. They go through my report and finally say they can not help me because they dont know if Im me or not even though they pulled up my credit report with the information I gave them. I even talked to a supervisor who asked me a bunch of questions I could not answer off the top of my head. Like what I owed to bank, credit cards etc. 
I want to buy a trailer but because of their unprofessional behavior my score is bad when it should be excellent These credit bureaus need to do their jobs and quit lying when they are wrong and ignore the problem.

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 2019-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My mortgage became delinquent starting XX/XX/XXXX. I applied for mortgage assistance from the servicer, Carrington Mortgage, LLC. On XX/XX/XXXX, I was informed by Carrington that a XXXX XXXX XXXX was the investor on my loan. Then, on XX/XX/XXXX, I was consequently informed that the investor of my loan was XXXX XXXX XXXX and that my request for assistance was denied due to 'investor/insurer targets ''. It is unclear as to whom exactly my " investor '' is. 
Because of this, I am forced to look for legal representation to file a civil complaint against Carrington Mortgage for negligent misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2019 I attempted to apply for the American Express Delta Gold card with a promotional offer of XXXX advertised on XXXX. Once clicking, I was routed to American Express 's website where I received a system error on American Express 's side. I called and was told they could not find any offers. I then XXXX at American Express and was given another phone number to call. At that time I was able to apply on the phone. I gave the customer service all of my information, and the account was instantly approved. 5 days later I received my card with a {$1000.00} limit. I then called to find out why I received such a low limit yet was instantly approved and stated that there must be a mistaken given my high credit attributes and high income. I received a credit report from XXXX using XXXX XXXX only a few days before applying which showed a XXXX score, and stating that my credit was better than 76 % of the US. Given the oddity of this I asked if there was a mistake, however after being transferred 4 times I was told that no one could explain the result or if a mistake had been made, but that I could request a limit increase which would require another credit inquiry. I ask, in the span of 5 days, why would I need to risk damaging my credit twice in order to receive an accurate credit line or explanation commensurate to my attributes. As a final point, if the offer to receive XXXX requires a $ XXXX spend in 3 months, wouldn't it make sense that the limit be atleast {$2000.00} ... forget the fact that a family of XXXX couldn't get anywhere in the world and back for {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I applied for a mortgage with Quicken Loans on XX/XX/2018. 
They sent me the initial disclosures, a day outside of the mandatory 3 day window. They had changed the loan amount from XXXX to around XXXX as well as the interest rate, of course it went from XXXX to XXXX. 
I've been asking for weeks to have it changed back or for them to explain themselves without any answers. Instead they send me emails, call me and try to pressure me into proceeding without ever addressing the concerns. Then today, almost 3 months later I get an email and the loan officer (  2nd loan officer after I requested a change ) told me that once I'm approved for a loan he can talk rates and fees. Are you serious? You want me to submit all of my documents, pay for an appraisal and then once you've approved my loan, you'll tell me how much its going to cost me? This is the definition of unethical, and clearly in violation of TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hi, my name is XXXX XXXX and Ive been selling on Paypal.com for a couple of months now. Ive never had one problem with PayPal. I never had any disputes, illegal transactions, nothing along those lines. My sales have all been ligitimate and proven for with receipts. 

On XX/XX/2019 at XXXX XXXX, Paypal decides to permanently ban my account. In the email they do not give a valid reason why. I have over $ 2,000+ dollars in the account that needs to go towards XXXX XXXX. Paypal Customer representatives have been very disprespectful towards me when I ask for clarification as to why I cant have my money. I literally have done NOTHING wrong.  Ive asked to speak with managers and they were no help. Ive asked to speak with supervisors and they were no help. Please help me retrieve my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I called and spoke with a women representative early in the day before XXXX   CST, around the XXXX. I was unable to resolve my issue with the representative about my login to my account issue. I tried to reset my account and my set up answer and password were not recognized. The BlueBird.com ( AMEX Corp ) representative told me she could not give me information over the phone even if she was directly speaking with me. It is very frustrating that my account username : XXXX could not login to add funds as a preferred than going to XXXX to add money. I intended to add only {$2.00} to test the card out to see if this Blue Bird prepaid card/account would work for me. So far, it seems very inconvenient, as I had hoped. Should my issue not be resolved with online account login and my original password and answer to my account security question can't be reset, it seems I wont be able to use BlueBird prepaid card and simply use a local bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
The information on file is incorrect the address and number stated on the record is incorrect. I think someone is trying to steal my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was a victim of identity theft in XX/XX/XXXX and XX/XX/XXXX. I was working with a company through XXXX. The company was named XXXX XXXX. They had an FBI agent come to our house and pick up packages we had not ordered and take information from us. XXXX XXXX told us to pay the amount on our credit cards that we owed and not pay the fraud charges. American Express said since we paid anything that means we are responsible for everything. XXXX XXXX said they had settled everything but would not send us any paperwork. Now American Express claims I owe {$21000.00}. Most of these charges were made out of state. My wife is XXXX and I am XXXX years old. We never travel anywhere. 
I have called XXXX XXXX several times. They are no longer associated with XXXX. They claim they do not keep any records. They will not help at all. 
In XX/XX/XXXX I spoke with the fraud department of American Express several times. Although they said they were looking into it, nothing was settled. 
I need help because I do not owe this money. I thought this had been settled 2 years ago. I have filed a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 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: CA

Complaint narrative:
Ive had a credit card with XXXX XXXX  XXXX XXXX  for about seven years. I make my payments on line. The due date is XXXX of the month. In XX/XX/XXXX I submitted a {$100.00} payment to be taken out of my bank on XXXX XXXX. They gave me conformation number XXXX acknowledging receipt. A few days after the XXXX I checked to make sure payment posted only to find it was still in my bank account. I called XXXX XXXX  XXXX to check why and was switched over to XXXX  XXXX  XXXX. The woman I spoke with informed me that the two companies were in a transition period and my payment would be taken out soon without late fees. I waited 4 or 5 days and called again because it was still in the bank. I was told the same. On XXXX XX/XX/XXXX, I called and asked the women if she would just take the payment over the phone she agreed. I told her just to take that {$100.00} and I also scheduled another payment for XXXX, paying a total of {$200.00}. In XXXX they tacked on a late fee and started calling me saying I was behind a payment. In XX/XX/XXXX, a man called and requested {$120.00}, which I sent. They told me I had {$180.00} in credit. I used {$86.00} for my dentist and a XXXX XXXX  XXXX payment. Now Ive received XXXX calls since Sunday telling me Im {$250.00} behind. Still because they wont credit me with my XXXX payment and back out all of the late fees. I asked the women why did you credit me with {$180.00} of credit and tell me Im {$250.00} behind. No answer. The woman I spoke with yesterday also told me they were a collection agency. I dont understand why the account went to collections in XXXX I was not behind on anything. I wrote a letter to XXXX XXXX   XXXX explaining my problem two months ago, got no reply. I cant get a phone number for the bank I keep getting XXXX, whose number is XXXX XXXX. I spoke with a XXXX she helped but its right back. Frustrated in XXXX and sick of these phone calls. Card number for account XXXX, valid XX/XX/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 monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Franklin Credit Management Corporation
State: OR

Complaint narrative:
1. Purchased home on XX/XX/XXXX. 1st Mortgage ( $ XXXX ) with XXXX XXXX XXXX XXXX, 2nd Mortgage ( $ XXXX ) with XXXX XXXX XXXX XXXX. Purchase price for home was $ XXXX 2.  XX/XX/XXXX 1st mortgage was sold and 2nd mortgage was sold to XXXX XXXX  XXXX. 

3. In XX/XX/XXXX both loans were sold again, the 2nd mortgage was sold to a " XXXX XXXX  ''. I contacted XXXX as I was no longer getting the bill 's and they responded by saying they hadn't received all the information on the loan, and quickly it transferred another bank and then again another bank and I was unsure who I needed to pay. 

4. In XX/XX/XXXX we had an opportunity with XXXX XXXX XXXX to refinance into a modification and we were told that the new loan would be $ XXXX, we thought this as including the 2nd mortgage. 

5. From XX/XX/XXXX to XX/XX/XXXX we made our payments ontime thinking we were paying for both mortgages, but in XX/XX/XXXX we received a forclosure packet from Franklin Credit Management Corporation. We throught from XX/XX/XXXX to XX/XX/XXXX we were making our payments, we weren't receiving any correspondence regarding a 2nd mortgage and our credit report no longer showed the 2nd mortgage or any late payments so we were extremely confused as to why we would be served forclosure papers. I have attached the notice of default we received from Franklin Credit stating we needed to pay {$39000.00} to cure default. 

6. From XX/XX/XXXX until XX/XX/XXXX I was trying to figure out what was going on with regards to the 2nd mortgage as I thought it was paid, and because they were going to foreclose I had to start making payments on XX/XX/XXXX of {$1700.00} per month up until current. Please see attached payment history. 

7. XX/XX/XXXX we decided to list our house on the market and asked for a pay off from both mortgage companies and the 2nd mortgage sent us a payoff of {$80000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
On XXXX I deposited check XXXX for XXXX electronically. The full amount was deposited into my account on XXXX On XXXX My purse was stolen out of my car and I called to notify Arvest of potential fraud on XXXX. I canceled my debit card and requested a new one. 

On XXXX Arvest pulled XXXX from my account stating it was a duplicate. That day I called to notify Arvest that is wasnt a duplicate and my employer rejected the second check. I was then informed after those funds had been withdrawn that it was deposited into an account at XXXX XXXX XXXX on XXXX. 

Falsely endorsed and deposited into a fraudulent account. Identified by XXXX XXXX XXXX. I have submitted documents from my employers bank stating it was fraud and they only honored my first deposit which had been in my account over 30 days. I also submitted police reports including proof this was fraud. 

Arvest has failed to acknowledge fraud after filing 6 different disputes and refuses to return my funds. Also failed to flag initial fraud on my account when duplicate check was identified. 

I have included the supporting docs and screenshots of Arvest site and how to deposit electronic funds. It does not state that the owner of the check is responsible for the loss if fraud is attempted on a second deposit nor does it state mobile deposit must be written on the back of check or customer will be held liable.

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 2019-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
XX/XX/2019, approx XXXX XXXX PST. 

" XXXX '' contacted my mother, stating the call was about an investment I had made. Left callback number XXXX. Internet sources indicate this is XXXX XXXX XXXX, and that they have a history of illegally calling debtors ' relatives and employers and misrepresenting the nature of the call. 

My mother is not a party to any debts I may have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
A collection agency continuously seeking an astronomical amount of money that I had already paid down before I was XXXX on XX/XX/XXXX for 15 months of XXXX I was just released on XX/XX/XXXX and now I'm being bill by this agency for more than the amount of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
There was a late payment that showed up incorrectly for my wells fargo credit card in XX/XX/2015. I paid the balance always on time and never any payment from either my wells fargo or other credit card ( I have 10+ credit card ) I made several calls and the bank disagreed to fix the issue. Why should I delay a payment on the a XXXX credit limit card while I always pay on time for my credit card with 30K+ limit

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 2019-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I have a mortgage with Selene Finance. The mortgage includes a XXXX  XXXX double wide mobile home and XXXX acres of land and the balance is about {$120000.00}. I had to file a claim with my insurance company, XXXX XXXX, because of water damage. The insurance declared tho home a total lose and gave me a check for {$20000.00}. The check was made to the mortgage company and me. Selene advice me to indorse the check and send it to their loss draft department which I did.My intention was to use those funds to help purchase a replacement home as I have no desire to lose my property. Selene will not release the money for me to proceed with the purchase of a replacement home. I do not have the money to buy the home myself. Selene says the will hold the funds in a restricted escrow until the mortgage is satisfied. I have spent hours on the phone over the last month trying to work with them to get this resolved but they are unwilling to release the money from the insurance that I pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I closed out my XXXX account in XX/XX/2018. I was informed that I need to wait for the coming month 's bill to pay a {$71.00} service fee ( for closing the account ) - the last bit of money I owe XXXX. 5 months later, I received a credit alert that my credit score has dropped 32 points by a derogatory report filed by Diversified Consultants. I have never received any communications regarding the collection so I was utterly shocked by the news. 

I called Diversified Consultants and was told that XXXX never updated my address and XXXX furnished them with my old apartment address. Hence I never received any notices on the attempted collection. I then paid my bill in full and asked Diversified Consultants to update the derogatory report, they told me that it is XXXX 's fault by not updating my address and refused to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I received an alert that my account was closed. I then called XXXX XXXX and told that my credit card account was suspended because of a return payment of {$64.00} on XX/XX/2018. I then contacted my bank and this was returned not because of my mishandling but due to my banks. I have a letter from my bank stating this and I would like my account to please be re-opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had a parent/child checking and saving account with Bank of America with my son. On approximately XX/XX/2018 funds were transferred between the checking and savings account and withdrawn via Bitcoin and ATM. There was also a deposit ( {$300.00} ) via check. None of these transactions were done by my son or myself. The next day after discovering these transactions, I called the bank and was told there was nothing they could do until the transactions were out of the " processing '' status. Once they cleared this status I called back and filed a fraud claim. My son made a police report and I continued to follow-up with the bank. Since XX/XX/XXXX, I have gotten very little satisfaction with Bank of America from handling this claim, closing the account 9and my sin being XXXX listed with all banks ) to receiving his remaining funds in his account after it was closed. I have contacted the bank serval times from XX/XX/XXXX - XX/XX/XXXX to clarify this issue. In XX/XX/XXXX I submitted all the required documents they have asked for and haven't gotten a written statement as to why the claim has been denied as of today. 

In XX/XX/XXXX, I was asked to submit a detailed copy of my cell phone bill to include all phone calls and text sent on the day in question to verify if authorization was given to make the bank transfers. I submitted the entire month of that bill and never received a response from Bank of America. I called about 3 days after submitting the phone bill and was told the information wasn't attached to my claim because I didn't call to tell them I submitted it ( although Bank of America gave me the information of where to submit the bill ). I then called back about 10 days later and was told the claim is still being investigated and can take up to 45 days. I called back about 2 weeks later and they concluded with a denial still ( still haven't received any written information  as to why the claim was denied ). While speaking with a representative ( XXXX or XXXX ) he couldn't understand why the claim was still denied and was attempting to put me in contact with the investigator that processed my claim and get a better understanding of why my claim was denied, we were mysteriously disconnected and he never called me back. I called back the following day and spoke with another representative and he said he would send a message for the previous ( XXXX or XXXX ) representative to contact me. Needless to say, neither the claims investigator or XXXX/XXXX has contacted me. I haven't contacted them since my last conversation in XXXX. I was told to submit a claim about this issue ( as per another bank ). 

Attached is a copy of exactly what I sent to Bank of America.

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