vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My husband and I are in the process of refinancing a home loan with US Bank. I first become suspicious of their practices because of the length of time it is taking to approve. All paperwork is in and our credit is excellent so I wondered why they seem to be 'finding things ' to postpone the approval. I even wondered if I am part of a scam. The loan processor is saying that because we have a living trust there is a delay and because we have a sign ( by the road ) with the home addresses on it, the underwriters are concerned. We have refinanced before on our home and these were never issues, in fact they add to fire safety and personal security. We have contacted the processor numerous times and they do not seem to have a viable reason. Is this company going under? Are we part of a larger scam by US Bank? 
Even scarier, I called an XXXX US Bank number to inquire about our application. I gave the US Bank employee our loan application number, our address, name and last 4 SSN. He couldn't even find record of the application. He had 9 pages on his computer screen of loans in process in XXXX California and couldn't find ours. This seemed very strange since we have been at this for about 40 days.

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 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: TX

Complaint narrative:
Last XX/XX/XXXX of 2019, I sent letter to Altisource ( attached evidence ). Also enclosed were photos of damages that Altisource have done inside my home when I was working. Altisources Agents entered my home at the time when we were negotiating for our HAMP Tier 2 Loan modification. Altisource have entereed constantly even without foreclosure on my home. Altisource continuously bothering inside and outside my home. 
Altisource have already created huge and insurmountable damages by breaking in my house by destroying 2 of my locks gates infront of home, removing the covers of all my attics, tearing all my carpets and destroying my walls as well my kitchen cabinets as shown on these photos I attached. These are evidences that they have harmed and done illegal acts inside my home that is not foreclose, and these are the reasons ; I am informing their wrong doings. 

I am requesting for your regulatory measures, In spites of my notice to Altisource, they disregarded and not respected my notice, instead Altisource continuously attempting to break in again to my home, in spite of their recent damages happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
My information was stolen and my personal information was compromised and used to open up fraudulent credit accounts. I have contacted these companies and supplied all information that was required ( Police report, Fraud Affidavit, Copy of Social and Driver 's License ) and also filled out documentation that was sent to me from the companies. There has been no resolution for these fraudulent accounts and they are holding me responsible for me being victimized. I contacted " XXXX XXXX '' although it was deemed as fraud I spoke with a supervisor named " XXXX '' he told me that they don't have to clear anything, that they can do whatever they want until they find where the money went. I spoke with several representative at " XXXX XXXX Fraud Claim Department '' I was told that it was deemed as fraud, but then received a letter saying that I am responsible for this account. I contacted " Comenity Fraud Department '' after sending in all documentation, I was told that I am responsible for this fraudulent account. I have never had any accounts with these companies and they need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My information was stolen and my personal information was compromised and used to open up fraudulent credit accounts. I have contacted these companies and supplied all information that was required ( Police report, Fraud Affidavit, Copy of Social and Driver 's License ) and also filled out documentation that was sent to me from the companies. There has been no resolution for these fraudulent accounts and they are holding me responsible for me being victimized. I contacted " XXXX XXXX '' although it was deemed as fraud I spoke with a supervisor named " XXXX '' he told me that they don't have to clear anything, that they can do whatever they want until they find where the money went. I spoke with several representative at " Macy 's Fraud Claim Department '' I was told that it was deemed as fraud, but then received a letter saying that I am responsible for this account. I contacted " XXXX Fraud Department '' after sending in all documentation, I was told that I am responsible for this fraudulent account. I have never had any accounts with these companies and they need to be 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 2019-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/2019 yesterday are car wouldnt start I tried to get to the bank and when I was able to get there the atm wouldnt accept the money I Kept spiting the money back out saying it couldnt read the {$20.00} I put in it so today XX/XX/XXXX I wake up to 3 {$34.00} insufficient fees thats crazy Im on low income I cant pay back amount {$100.00} this bank doesnt Care that our car had a dead battery Im promise Im leaving this bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I booked a flight with american express membership rewards and used points for payment. 

I was initially charged on XX/XX/2019 in the amount of {$1800.00} and then credited the same amount on the same day XX/XX/2019 when they deducted the points from my account ( which is normal ). 

I was then notified on XX/XX/2019 that american express cancelled my account. I did not receive any reason for the cancellation other then " we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' I tried to find out more information about this and was told I would receive a letter in the mail but I never did receive any such letter. 

On XX/XX/2019 ( after my account was already cancelled for a week ) I was charged in the amount of {$1800.00}. I contacted american express and was told that since the points I earned was done so " against their terms '' ( which I still don't know how ) they clawed back the points and charged me again. Note that when they cancelled my account they allowed me until end of day to transfer out all my remaining points to a frequent flyer account under my name. 

I disputed the charge on the basis that I already paid with points and this is a double charge. American express membership rewards contacted me and told me that they refunded the points to my account so therefore I was not charged twice. I tried explaining to them that A. I never authorized the refund and B. my account was already closed by american express so I don't have any access to the points that are " refunded ''. When i called american express I was told since the points were earned " against their terms '' ( again, still waiting on how ) they just took it backed and charged me. ( even if that were true then why did they allow me to transfer out my remaining points to a frequent flyer account of mine? ). 

I have been going back and forth with american express now for almost 6 months and they keep just transferring me from one department to another and saying its the " other '' department I have to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am an XXXX XXXX XXXX  currently in XXXX and information was put on my credit report with my knowledge of said account and it is harming my future for clearance They are medical bills from XXXX XXXX hospital in XXXX XXXX in which I thought were all taken care as I moved to XXXX over a year ago and never even got bills. There are 3 bills in total including amounts {$1600.00}, {$250.00}, {$300.00}

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 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed 2 separate claims on XX/XX/XXXX. 
BOA made me file 2 separate claims for the same charges. I appealed both and they were all rejected with no reason given. BOA did not attempt to reach out to the company to verify the charges prior to rejecting them. 

Claim 1 was Claim ID XXXX and Claim 2 was Claim ID XXXX. 
XXXX I was charged {$42.00} every month from early XX/XX/XXXX to XX/XX/XXXX. The charge is from something called " XXXX XXXX MA ''. The total amount was over {$600.00} On XX/XX/XXXX I contacted the company in attempt to get info on what this charge was for. I spoke with XXXX with badge ID XXXX. XXXX was unable to find my name, CC #, email, phone # or anything that associated me with XXXX and he told me that there was nothing he could do and that I needed to contact my CC company ( BOA ) to dispute the charges. I did that and everything was rejected by BOA. BOA never attempted to contact XXXX for details and the only reason they provided as to why my claims were rejected was because this was a " subscription or reoccurring bill that i have paid in the past. '' The only reason I paid it in the past is because I never caught the charge on my credit card so it was always paid. This does not change the fact that this is a fraudulent charge.

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 2019-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Within the past few days, my sister in law has been contacted repeatedly by Commenity Bank trying to get in touch with me. I do not want them calling anyone about my personal matters besides me. 

The dates she was called are as follows : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN AND XXXX  ARE DEPICTING XXXX XXXX, ACCT # XXXX .... 
WRONGFULLY ON MY BUREAU REPORTS. 
THE ACCOUNT DEPICTED IS INACCURATE AND INCOMPLETE.THE REPORTS TO NOT SHOW THE MONTHLY PAYMENT WHICH I PAID BRIEFLY ON THIS FRAUDULENT LOAN. 
THE LOAN APR WAS NOT EXPLAINED TO ME WITHIN THE 72 HOUR RECISSION PERIOD SO THAT I COULD UNDERSTAND THAT THE UNMENTIONABLE UNCONSCIONABLE OVER 100 PER CENT APR LOAN AND DECLINE IT.ATTACHED IS THE COURT ORDER REQUIRING THIS AS A PERMANENT INJUNCTION.I HAVE ATTACHED THE CFPB COMPLAINT AGAINST THE CREDITOR WHO UNSIGNED THE RESPONSE AND REFUSES TO MENTION THE APR RATE OR THE CA SUPREME COURT CASE THAT DETERMINED THE 100 PER CENT PLUS APR LOANS VIOLATE THE CA BUSINESS AND PROFESSIONS CODE. 
I HAVE ATTACHED DE LA TORRE VRS CASHCALL, THE CASE THAT THE SUPREME COURT CONCLUDED IN 2018. 
ADDITIONALLY IF THIS HAD BEEN A LEGIT LOAN XXXX SLEPT ON THEIR RIGHTS TO SUE TO COLLECT.THE STATUTE OF LIMITATIONS FOR THIS IS 4 YEARS ... HAS BEEN 6 YEARS. 
XXXX IS DEFUNCT YET STILL FIGHTING IN COURT TO KEEP THE MONEY THEY DEFRAUDED THE PUBLIC. 
THEY ARE DOING A FANTASTIC JOB WITH THE WORLDS BEST LAWYERS. 
IN BOTH CREDIT FILES THE MONTHLY PAYMENT IS NOT REPORTED INTENTIONALLY AND IS A VIOLATION OF THE FCRA.THIS IS DONE INTENTIONALLY SO THAT THERE IS NO RECORD OF THE INTEREST RATE ON FILE ... THE MATHEMATICAL COMPUTATION CAN NOT BE DONE AND THE EVIDENCE IS HIDDEN ... BUT THIS ALONE IS SUFFICIENT FOR XXXX AND EXPERIAN TO DELETE THE ACCOUNT IN ENFORCEMENT OF THE FCRA THAT THEIR DEPICTIONS MUST BE ACCURATE AND COMPLETE HIDING NO IMPORTANT SUBSTANTIVE INFORMATION SUCH AS THE MONTHLY PAYMENT, PAYMENT TERM AND DATE OF FIRST DELINQUENCY. 
I HAVE ATTACHED THE VIOLATED INJUNCTION, THE SUPREME COURT CASE, THE CFPB RECENT UNSIGNED RESPONSE OF XXXX HAVE ALSO ATTACHED MY MEDICAL RECORDS OF MY 4 XXXX. 
THE XXXX CAUSED XXXX AND XXXX XXXX PRIOR TO THE INCEPTION OF THI S LOAN AND MADE IT MUCH EASIER FOR THIS PREDATORY LENDER TO DUPE ME INTO SIGNING WHAT THEY WANTED.

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 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Credit Solutions LLC
State: FL

Complaint narrative:
calling couple times a day, threaten to call family members and neighbors. I even asked if they were threaten and they said yes. I have told then we do not owe any money to our contractor who was doing work on our house because nothing was done and I have pictures to prove it.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
EVERY year I contact GM CAPITAL ONE Card ( among other credit card companies ) and tell them that I already told them I Did NOT want them sharing my information. They refuse to give me documentation to say I called in or written verification that I contacted them and told them to stop sharing my information. Then they claim I never let them know. What will you do to address this? I '' m sure you know this goes on with the credit card companies all the time. Why even bother having the law if they don't have to follow it? They should have to send verification immediately when someone tells them not so share information or make it an option on their site so you can take a screen shot to " prove '' you told them not to share the information. They have already compromised my financial information by their most recent data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capio Partners, LLC
State: PA

Complaint narrative:
My physician wanted to do XXXX XXXX on me. We discussed that I am on Social Security XXXX, therefore, he needs to submit it to a participating provider as I only have one insurance through my husband 's employer and could not pay for anything out of network because I have very limited funds. He agreed and sent it through an in network provider who then went it to a different out of network provider. As a result, and by no fault of my own, they are saying I owe them over {$3000.00}. I spoke with my doctor and they said they would handle it. More importantly, they never called or spoke to me directly. Now, they sent a collections letter to my son 's address in Washington State. I have never resided in Washington state. They are violating FDCPA laws by sending that to my son and not to me. This is my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My partner and I applied for a Bank of America HELOC refinance of an existing mortgage in early XXXX, 2019. Our equity is between {$1.00} and {$1.00} million dollars. We both have perfect payment records for over 55 years. BOFA stated that our application does not meet their income requirements. We both take RMD distributions from our respective IRA 's. But we take them on a timely basis in order to maximize the income and reduce the tax obligations. This is both a highly discriminatory action and one that would damage our income. We are also penalized from how we take capital gains distributions. The BOFA model for mortgage HELOC applications is flawed. It has taken over 60 hours of our time in submitting documents.

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 2019-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
A lady from XXXX claims to be selling XXXX XXXX tickets, scammed me {$110.00}! 
She blocked me on XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc
State: CA

Complaint narrative:
I requested a copy of my A-PLUS report from Verisk and learned that it had been used against me by an insurance carrier. The documents that came with the report directed me to call the Verisk customer inquiry center if I wanted to open a dispute regarding inaccurate information. I called the Verisk customer inquiry center and spoke to Angelys who refused to open a dispute, stating that if I wanted to dispute something on my report I had to contact the claims department of the insurance company myself and have them tell Verisk to remove the information from my report. Verisk refused to accept my dispute request, in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Hillcrest Davidson & Associates
State: SC

Complaint narrative:
Received a call from XXXX XXXX at Davidson & Associates from number XXXX notifying me that I have a pending case with them from XXXX XXXX Loan. Claims I owe {$1000.00}, but will settle for {$500.00}. States that the last notification sent was on XX/XX/2017 by email. The " mediator '' on the phone call would not provide any information about the original debt, claiming that XXXX XXXX Loans does not provide them that information and would not provide XXXX XXXX Loans   contact information to obtain the information about the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Pay pal shut down and took my acct $ for 6 months stating i had violated service terms despite companies such as XXXX XXXX or XXXX using same platform for 100 % legal XXXX sales. I've contacted compliance department several times/all robo responses and noone is allowed to.explain or talk on phone about it/while they turn a blind eye to 100 's of businesses online I've pointed out using them for same businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
charges were put on my XXXX XXXX card that I never did. I reprted chages to bank America as fraud and at first they they said it was fraud then a week later said it was not fraud

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 2019-09-05 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
In XXXX last year, XXXX XXXX  transferred our Loan Servicing to Rushmore Loan Management Services and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by Rushmore LM on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.

Company response to consumer: Closed with explanation