vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Caliber Home Loans, Inc.
State: UT

Complaint narrative:
I contacted a XXXX XXXX XXXX Representative after my husband passed away to update our mortgage information. At that time they told me that I could qualify for the Home Affordable Modification Program. ( HAMP ). I submitted all of the required documents including pursuant to their website check list including a copy of my husbands death certificate. I received a letter on XX/XX/2018 stating they would offer me an opportunity to enter into the FHA HAMP program. I had to contact Caliber in writing by XX/XX/2018. I sent all of the documentation on XX/XX/2018. In order to accept this offer I also had to make a payment by XX/XX/2019, however I made my first payment earlier than that on XX/XX/2018. I entered into this program, I followed all of their instructions including when to pay, and I was told I wouldnt have another payment for two months. However, I am on auto draft and they were suppose to take out my payment according to their new schedule. They didn't apply a payment to the correct date and now Im being reported late on my credit report. Late for XXXX and XXXX, 2018. These were the two months that I was entered into this program and was told I didnt have to make a payment. I would have paid the mortgage but I specifically followed the schedule they gave me according to the program rules. 

I have tried to work this out to no avail. Caliber Home Loans violated the FDCPA in numerous ways by employing false and/or misleading means to get me into this program. This violation is under 15U.S.C. & & 1692e ( 2 ) and ( 5 ). They are dangerously close to violating & 1692f by seeking payments not discussed in the HAMP agreement.

I have attached the letter that I was accepted into the program and I have also attached a detailed history of payment that supports this complaint. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I currently have an auto loan with Ally Auto Finance, a subsidiary of Ally Bank that I am trying to refinance, I had the refinance bank send a check over to an address that an agent at this Ally Auto provided and requested the check be mailed to. The check was received and signed for by an agent of the bank on XX/XX/2019 ( XXXX tracking # XXXX ). After a few days and increasing concern, I checked-in on the status because the amount had not reflected, after spending minutes over the phone, I discovered the check was just sitting there, no one had bothered to send it to the processing center. Ally Auto claimed it was the wrong address and would send the check over to the right address. They asked for XXXX days for the check to reflect, however, today is XX/XX/2019, and the bank has reverted to its old position of claiming they can not find the check ( {$17.00}, XXXX ), " give it a few more days ''. 
The bank has a call center located in the XXXX and it is extremely hard for them to comprehend simple requests that are made of them. The agents in the XXXX do not have access to much information and can not solve real issues. 
I had to refinance my car in order to get my mortgage loan approved, else, I start paying fines/fees come Wednesday XX/XX/2019. I stand to lose $ XXXX in downpayment money and applicable fines if I do not go to settlement by the agreed upon date. 
An alternate solution will be to have the refinancing company send another check to them and cancel out this one. However, that will take more days I do not have and can not afford. I have had to pay the full amount owed on the vehicle out of pocket. Ally Auto Finance misplaced the refinance check. They practice an inefficient system of receiving checks at one state then forwarding it to a different state for processing. There are two problems with that. The first is that it takes several days to move from point A to point B once they have received the check at point A. The second problem is that they don't track the checks from point A to B. As a result they were unable to tell me where the check was for 10 days and I ended up having to pay over {$16000.00} out of pocket.

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 2019-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: LA

Complaint narrative:
{$120.00} was deducted on XX/XX/19 after I sent a revocation of automatic ACH debits, check debits and debit card payments. The receipt of the revocation was acknowledged by XXXX prior to them taking the money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: DC

Complaint narrative:
On XX/XX/2018, someone went into a Bank of America ( BOA ) branch in New Jersey and first withdrew {$1500.00} from my checking account then withdrew {$1400.00}, for a total of {$2900.00}. That afternoon I saw the activity, and called BOA immediately to stop the transaction ( at first it looked like they were two checks pending clearance ). I later learned that the person was given cash. BOA froze my account. They are in the process of investigating what happened and say it takes on average 60 business days. Meanwhile, I am out {$2900.00} and have had to operate without a debit card for over two months. 

My case number is XXXX I filed a police report with the District of Columbia Police. I sent the police report along with a letter from my supervisor confirming I was in Washington DC the entire week of XX/XX/XXXX to XXXX to support my case.

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 2019-03-18 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I already submitted complain about that ( XXXX ) Judging by the response, I used too many words for American Express employees to understand. 

American Express suspended my American Express Gold card 3 days before the due date of my payment. Due to the suspension required payment to be made at the due date will not " un-suspend '' the account. Required/due payment was {$2700.00} and amount to be paid to un-suspend the card was {$4500.00}. This is predatory technique of extorting agregatory payments in order to better company 's cash flow and as is, it is entirely not legal procedure ( also against their own company policy ). They could try to do it only after sending email about approaching the spending limit and with no communication from my side. That did not happen. Their action was designed to make me pay over 150 % of what I should pay. This is not acceptable,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX, Resolution POA Specialist, XXXX, extension XXXX, has blocked the account and refuses to allow the member or the Power of Attorney Representative to withdraw any of the funds or transfer the funds. She wants the account closed and the funds to be paid to her. 

She has responded to the XXXX XXXX XXXX that the member may close the account over the phone or in writing but refuses to transfer the funds to another account, release the Power of Attorney. 

XXXX serving XXXX XXXX DC XXXX XXXX Pennsylvania Print To : XXXX XXXX XXXX Subject : Message received from the business about your complaint This message originally read on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : Complaint ID XXXX ; Navy Federal Credit Union Dear XXXX XXXX : The company responded to your submission and we are passing it along to you. The contents of this message are below or attached. Please respond to this message in written form within 10 days. 

The text of your complaint may be publicly posted on XXXX Web site ( XXXX reserves the right to not post in accordance with XXXX policy ). Please do not include any personally identifiable information when you tell us about your problem or in your desired outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. XXXX may edit your complaint to protect privacy rights and to remove inappropriate language. 

Sincerely, XXXX XXXX Dispute Resolution Analyst XXXX Phone : XXXX MESSAGE FROM BUSINESS : This is in reference to the follow-up complaint we received on XXXX XX/XX/2019 from the XXXX XXXX XXXX  on behalf of XXXX XXXX XXXX. The complaint was originally assigned an ID number of XXXX. 



We have reviewed XXXX XXXX concerns. Navy Federal reserves the right to decline a Power of Attorney ( POA ) if the document does not meet our standards. Should the Principal choose to close her Navy Federal accounts, she may submit her request in writing if she is unable to do so by visiting a branch or contacting us by telephone. 

If XXXX XXXX has any questions, she may contact XXXX XXXX, XXXX XXXX XXXX, at XXXX, extension XXXX, between XXXX XXXX. and XXXX XXXX., Central time, Monday through Friday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: FL

Complaint narrative:
This has all started years ago when I disputed a non authorized hard inquiry with XXXX, I already Had a XXXX card so I disputed that hard inquiry resulting of them deleting 12 years of account payments and history never putting it back on # 2 Since XX/XX/XXXX all 3 credit bureaus had reported a on authorized inquiry from XXXX XXXX  another account that I have under my name and have had for over 3 years so my hard inquiry had already dropped off I immediately disputed this new one and there goes another history of payments for 3 years And deletion of an account my score was XXXX and after they deleted these 2 Accounts it dropped down to the low XXXX hundreds I have absolutely no credit history after I worked extremely hard to gain it back after my identity with stone number 3 XXXX XXXX card As of today XX/XX/XXXX I called them to fix the credit history reporting because they were only reporting 10 months and I've had it for 2 years there goes another account deletion I have had to submit several disputes to all 3 credit beaurous for misleading my credit files. Whenever doing so they make them worse. Equifax has now deleted 3 major credit cards due to me disputing 2 non authorized Inquiries, And a payment history repair because they were only reporting 10 months of payments when I have had the card 2 years in which resulted in them just deleting the entire account once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: SC

Complaint narrative:
After a recent review of my credit reports, Equifax, still has an invalid account on my credit report, XXXX. The invalid account was removed from XXXX   and XXXX. I filed the original complaint XXXX against XXXX on XX/XX/2018. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: IL

Complaint narrative:
On XXXX XXXX XXXX, XXXX I made a Donation to XXXX to a party to build the wall XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA of {$80.00}, They took out an extra XXXX and XXXX returned the {$12.00} back into my account. Later they asked me did I want a RFUND of the XXXX dollars, I said yes. XXXX  returned the {$80.00} after I closed my SERVE  account. AMERICAN EXPRESS is refusing to give me my Money. I closed the SERVE ACCOUNT because AMERICAN EXPRESS went into my Account on XX/XX/XXXX and took out {$79.00} and {$98.00} for XXXX, and I asked them why they did that : I previously had paid XXXX {$39.00} for a one year service protection for my computer. I have all my receipts and emails from them. But for whatever reasons, somebody went back into my account and tried to recharge me, and I disputed the charges and closed the account because, I felt something not right. After I closed the SERVE ACCOUNT XXXX  returned my XXXX dollars back into my SERVE ACCOUNT. AMERICAN EXPRESS knows this and they DO NOT WANT TO GIVE ME MY MONEY. THEY are outright HOlDING MY MONEY, they said they were sending me a check in the mail. As of today : XX/XX/XXXX. I have yet to receive my {$80.00}. I had this account with this for over three years and never had a problem, and all of a sudden I had this problem, and they keep putting me on holds and hanging up on me ABout my Own Money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: TN

Complaint narrative:
So I filed a equifax complaint because of the 60 % utilization despite me already paying it off. You guys rereported a month later a 60 % utilization despite a 1-2 % utilization. 
I went into a branch, called multiple times ... Employees gave wrong  information about prepaying to lower utilization. Multiple managers hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Company : Amsher Collections Services Balance : {$170.00} In XX/XX/2018 I contacted Amsher about a Collection added to my credit for XXXX XXXX XXXX XXXX. I informed them that the returned items in question was returned to XXXX XXXX XXXX via the XXXX XXXX XXXX mail services. I contacted XXXX XXXX XXXX about the items they informed me that they received the items. However Amsher is continuously reporting this to my credit. These marks are causing extreme problems to my livelihood. I am a single parent and I work hard to take care of my obligations, this mark took a 20 point drop in my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XXXX XXXX- Bullcity Financial Solutions {$510.00}. I have disputed this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All attempts to verify and validate the debt has been unsuccessful. I notified all three credit bureas that the accounts were fraudulent. I have spoke with and requested a fraud package from Bullcity Financial Solutions and recieved no help or real care on the issue. The information is being erroneously reported on my credit report, which is having adverse effects on my car loan applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
A previously deleted account, Portfolio Recoveries collection, was re-reported on my credit report on XX/XX/2019. This has tied me up for a mortgage loan. It showed up last minute when we were supposed to close on the loan. I did not receive any previous notification in the mail that this account was going to re-report and did not receive a chance to request validation on this account. The law says that I need to receive a notification 30 days before it reports for the 1st time and I need to receive a notification within 5 days of re-reporting. I received neither notification.

When I call Portfolio Recoveries, I explain the specific law that they are supposed to follow and none of the people on the phone know what I'm talking about. I was transferred to 5 different reps over 2 hours on the phone with this company. 

The first rep read me a statement about how this debt was past the state statute of limitations and I wasn't able to be sued unless I made a payment or admitted to the debt. I did not make a payment or admit the debt, but when I was transferred to the 2nd rep, they told me that I needed to make payment arrangements today or I could be sued over this debt. So one rep says I can't be sued, then the next rep threatens me with a lawsuit if I don't pay.

What they did was try to trick me to make a payment so that I wouldn't be sued, but making a payment would actually allow them to sue me. This is extremely illegal and misleading. 

This debt was previously deleted from my credit report because it wasn't able to be validated. It's now reporting past the state and federal statute of limitations because the debt collection agency re-aged the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This has all started years ago when I disputed a non authorized hard inquiry with XXXX, I already Had a XXXX card so I disputed that hard inquiry resulting of them deleting 12 years of account payments and history never putting it back on # 2 Since XX/XX/XXXX all 3 credit bureaus had reported a on authorized inquiry from XXXX XXXX another account that I have under my name and have had for over 3 years so my hard inquiry had already dropped off I immediately disputed this new one and there goes another history of payments for 3 years And deletion of an account my score was XXXX and after they deleted these 2 Accounts it dropped down to the low 6 hundreds I have absolutely no credit history after I worked extremely hard to gain it back after my identity with stone number 3 XXXX XXXX card As of todayXX/XX/XXXX I called them to fix the credit history reporting because they were only reporting 10 months and I've had it for 2 years there goes another account deletion I have had to submit several disputes to all 3 credit beaurous for misleading my credit files. Whenever doing so they make them worse. XXXX has now deleted 3 major credit cards due to me disputing 2 non authorized Inquiries, And a payment history repair because they were only reporting 10 months of payments when I have had the card 2 years in which resulted in them just deleting the entire account once again.

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of fraud while in college XX/XX/XXXX-XX/XX/XXXX there were 8 credit cards opened in my name sent to addresses 80miles from my college I never rec 'd nor used these cards they were even paid on I never had a bank account I have called the original creditors they agreed they were not sent to my DORM or paid for by a bank account in my name I diputed with all three credit reporting companies sent police report FTC report proof of address at time these cards were opened .. ( I never lived where they were sent ) XXXX and XXXX removed this fraud Equifax has not and will NOT block the fraud even with the police and FTC report they received. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX my teenage son and I went to get cash from a XXXX machine using his Bluebird Card. He inserted the card into the machine and requested {$40.00}. The machine generated an error code and then reset with no cash dispensed. He tried a second time and this time it worked. The women ahead of him also had issues with the machine before he did. When we got home, I looked and he had two {$40.00}  transactions debited. We immediately contacted the credit card company the they started an investigation. After two weeks of not hearing, I called and they told me that they were not credited him back {$40.00} for the first transaction. No cash was dispensed for the first transaction that ended in an error message at the XXXX machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV

Complaint narrative:
Fifth Third uses fuzzy math. I do my calculations with the computer XXXX program for accuracy. 

Fifth Third table shows actual escrow balance {$2700.00}, when XXXX subtracts the {$1500.00} reimbursement, the balance is {$1200.00}. 

Fifth Third XX/XX/2019 statement shows escrow balance of {$1000.00}. 

This is short {$110.00} I also get the same math results of {$110.00} by using paper and pencil Issue a reimbursement check of {$110.00} Pay my homeowner 's policy on time in XX/XX/2019 XX/XX/XXXX

Company response to consumer: Closed with explanation