vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: MD

Complaint narrative:
Hello and I would like to know why remitly is not updating me on the transfer that was supposed to be completed, they sent me confirmation that the money was completed on XX/XX/2019 and today is XX/XX/2019 but the bank it was sent to is denying the transfer, so how can they confirm when the funds never made it. I was promised a call back after the investigation but they failed to do that, I made several attempts my self and finally was able to get in touch with the company but they don't have no updates, I would like my money back as I feel this is a scam, why do they promise money in minutes, when it's been a week since the transfer. The money is going to a relative for health treatment and they country it is being sent to unfortunately they do not start any treatment unless payment is made before any procedure. How can these companies get away like this? This is hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have been a victim of a payment of {$600.00} to an unknown individual names XXXX XXXX via Venmo on XXXX XX/XX/2019. 

After opening a trouble ticket with Venmo to reverse this transaction, they claim this was not an illegitimate technical issue with the payment system and that I should use the platform to reach out to the individual with whom the transaction be made and/or file a police report. I have not heard any response from the individual named XXXX XXXX ( @ XXXX ) via the Venmo app.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX PHH is refusing to acknowledge a Death certificate that has been sent MULTIPLE TIMES since XX/XX/2019. 

PHH refuses to send us to the United States when we reach an overseas rep This is a VIOLATION OF FEDERAL LAW!!!!!!! 

PHH refuses to call us back we have been promised a call-back no less than a dozen times and NEVER RECEIVED A CALL BACK!!! 

PHH IS REFUSING TO SEND DOCUMENTATION TO US THAT THE HOMEOWNER CAN SIGN TO REMOVE LIABILITY FOR PHH TO REMOVE SOMEONE THAT IS DEAD EVEN AFTER BEING PROMISED SEVERAL TIMES NOT ONLY FOR IT TO BE SENT, BUT FOR A CALL-BACK BECAUSE IT HAD NEVER BEEN SENT TO US.

PHH is purposefully LYING and THEREFORE COMMITTING FRAUD against this widowed homeowner. WHY ARE THEY LYING?? -- -- - WHAT ARE THEY TRYING TO HIDE??? -- -- PHH does not care about its clients. PHH does not care about Federal or State Law.

***********THIS NEEDS TO STOP!!!!!!!!!!!!

Mr. XXXX is extremely recently widowed with XXXX small children to care for, and I expect at the very least PHH to  deal with us honestly, and not take advantage of his grief by refusing to acknowledge the passing of his wife. I want the DEAD wife removed as a borrower from the Conditional Approval. I want this short sale moved forward immediately, and worked as I was told it would be on XX/XX/XXXX. I wasnt an updated Conditional Approval immediately. I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, they  clearly have no interest in complying with federal and state law. They dont care about their widowed borrowers, and they dont care about military personnel. 


I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, ( MOST RECENTLY FOR FORECLOSING ON XXXX XXXX SERVICE MEMBERS ) they clearly have no interest in complying with federal and state law. 

**Please see attachment : Authorization Letter and Death Certificate **Please see attachment : Conditional Approval showing a dead borrowers name on it. 
**Please see attachment : " PHH to pay $ XXXX over military service member foreclosures ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
XX/XX/2018 I entered into a loan refinance with Loan Depot. I was in the process of getting a divorce and told them it would be final around XXXX. I needed to get My spouse off of the loan and title/deed. I told XXXX XXXX that my condo was on XXXX lease land and gave him the contact info. He said it was no problem and would take care of it. The loan refinanced but they failed to contact the XXXX company and the BIA. I then was told to do a quit claim. I did this. Then last month I found out that none of the process was followed correctly by the escrow account. They never check with XXXX XXXX or the BIA and now I am told that I have to fill out forms and pay fines as the BIA doesn't allow quit claims and the loan was not divulged to them as they still show the previous loan company as an encumberence. I asked Load Depot to fix this problem and they say they cant. 
" XXXX XXXX XXXX XXXX ( 30 minutes ago ) to me, XXXX As mentioned below, There is nothing we can do on our end, as myself and XXXX process loan application for refinances. We do not have any access to loans that are in loan servicing '' Can you please advise what I should do next? I thought when paying an escrow company to manage a loan that I was paying them to do the correct process?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a credit account with Walmart, which was partnering with XXXX XXXX. I had automatic payment set up with XXXX XXXX  ; however, Walmart contracted with XXXX  without notifying me to update my automatic payments. I got charged for late fee and it was sent to me by XXXX. Because of the late fee charge, I adversely knew that my account has been taken by XXXX. I contacted XXXX to request a waiver, but they have denied all my requests and forcing me to pay the late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
FORD MOTOR CREDIT ACCT # XXXX HAS REPORTED A LATE PAYMENT FOR THE MONTH OF XX/XX/2019 AND IT HAS HURT MY CHANCES OF BUYING A HOME AND I WAS NOT LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
PLEASE LOOK INTO THE XXXX ACCOUNT WHICH IS REFLECTING NEGATIVELY ON MY CURRENT CREDIT REPORTS. THIS IS AN ACCOUNT THAT IS NOT REPORTING ANY BALANCE WHAT SO EVER, IT IS A PAID CHARGED OFF ACCOUNT AND IS STILL REPORTING UNDER ALL THREE BUREAUS. THE ISSUE HERE IS WHY WAS XXXX  ABLE TO REPAIR THE DEROGATORY HISTORY ON THIS ACCOUNT, AND WHY DIDN'T EQUIFAX AND XXXX DO ANYTHING ABOUT IT? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY. THIS ACCOUNT HAS BEEN OPENED SINCE XXXX OF THE YEAR XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING ( SINCE : XX/XX/XXXX ), AND TRYING TO GET THE NEGATIVITY OFF OF MY CREDIT REPORT, STILL ... ..NOTHING HAS BEEN DONE ABOUT THIS MATTER AND THIS IS REALLY GETTING TO THE POINT WHERE IT IS UPSETTING ME IN GENERAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
LoanCare, my previous mortgage servicer, shorted my escrow account by {$1800.00} more than two months ago and has still not refunded my money. I have tried to resolve this matter through ( at least ) 16 phone calls to LoanCare dating back to XX/XX/2019. Each call was answered by a call center representative who was unable to help me. After several calls, I began to ask to speak with a supervisor. I would then get routed to the supervisors extension where I would be placed on hold for 30 to 40 minutes before my call was answered. I recall that on at least three occasions my call was disconnected. 

Here is what I have learned through my phone conversations with LoanCare staff and a review of my payment history which I accessed from LoanCares website ( See attached document ; I have highlighted the key transactions in yellow. ). 

On XX/XX/2019, my account was mistakenly credited with another borrowers payment in the amount of {$1800.00}. 
The {$1800.00} was promptly refunded to the other borrowers account, also on XX/XX/2019. 
A second transfer of {$1800.00} was mistakenly made from my account to the same borrowers account on XX/XX/2019. So, the borrowers account contains {$1800.00} that is my money. 
XXXX at LoanCare researched my complaint and acknowledged these errors in our XX/XX/2019 phone conversation. She acknowledged that I was owed the {$1800.00}, which would be refunded to me. She advised that I was to receive a phone call from LoanCare as early as the following Monday ( XX/XX/2019 ) to confirm that the check would be sent. I have yet to receive the call or the check. XXXX has been the LoanCare employee most responsive to my situation ; however, I have not been able to reach her for status, even though I have left messages for her to call me with two other employees.

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 2019-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
On XX/XX/17 I talked to the CSR at the bank and he agreed to waive the late fee. I paid the instructed amount. The next month I received another interest charge. Upon calling, the CSR advised me that it was their policy that even if the bill and interest were paid in full I would have to pay interest for the additional two months before the interest charges were dropped.

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 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I bank with Wells Fargo. They have been negligent in a false claim of fraud involving a gentleman who paid me {$1500.00} using XXXX over 6-7 transactions. Two months later he filed a claim saying it was fraud and he didnt authorize them or know me. XXXX the XXXX they debited my account for {$1500.00}. For over a month I was given run arounds. Wells Fargo said it was XXXX, XXXX said Wells Fargo. I asked what type of investigation was done? A thorough one wasnt because I was never contacted when he file the claim and got his money back. It wasnt until after I called when I saw the debit that they asked questions like were you expecting these payments and do you know this person. Questions I feel should have been apart of the investigation they did to determine his claim was valid. I informed Wells Fargo I had proof he was filing a false claim. I have emails, texts and XXXX messages between us identifying himself in the text and acknowledging he was sending me payments. His last message was can I get a refund. So how was it unauthorized if he wanted a refund? To use XXXX you receive a code when you send money to someone for the first time. He had to have received the code to send the first payment in order for the other 6 to be made. In spite of me saying I have the proof no one has even asked to see it and they are standing by their decision that this person didnt authorize this even though I have all of his messages to me saying otherwise. Even XXXX which he used initially then I refunded it and he says in one message he will send the XXXX once the XXXX refund is credited to his bank. I have been robbed WITH the banks help. My money was not safe. Now my account has been negative since XX/XX/19 and I have had problems paying bills through auto pay from this account because I refuse to be liable for the money they took. They didnt investigate throughly. I was never contacted during or after. I had to call them. They are saying file a legal claim or contact the person to work or out. The person lied so why would They help? He didnt go in and pull the money out. The police didnt assist him either. Wells Fargo signed off on him getting XXXX back without once reaching out to me and finding out I had proof he authorized these zelle payments. His word which was a lie was enough. I have all the proof and all he had to do was lie and say he didnt know me or authorize 6 payments. Nobody at Wells Fargo is trying to help me. They dropped the ball. Im eating the bill on their negligence and my Bills are falling behind now that I used that account on. My credit has dropped now from a late payment on my car due to auto pay from a negative {$1500.00} account., please Help me. The bank did not have my back.

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 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Asset Recovery Solutions, LLC
State: TX

Complaint narrative:
Over the past two weeks, ( XX/XX/XXXX, XXXXPresent ) Asset Recovery Solutions has not only been harassing my personal cell phone, but is now harassing my employer. Additionally, they are using mirror technology to imitate numbers from my hometown. I have not yet received any additionally information about this supposed debt and have no clue why they are trying to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On my XXXX  credit report my mortgage payments and balances are not being reported at all for several months dating back as far as 2017. I call Nationstar to resolve the matter and I am told that Nationstar is reporting my mortgage information accurately and consistently and that it is an issue with XXXX however the data is not available still in my XXXX credit report. So, I call, file complaints and disputes with XXXX and they respond by telling me that it is Nationstar 's fault that Nationstar is not furnishing them ( XXXX ) with the data. I AM NOT GOING AWAY! THIS MATTER WILL BE RESOLVED REGARDLESS OF WHO'S FAULT IT IS! 
Please take a look at the XXXX  credit report, you will see that multiple months reflex no data for my Nationstar Mortgage. I AM NOT OK WITH THAT, IT NEEDS TO STOP! 
Also the resolution letter from Nationstar does not address this issue and why and who is NOT DOING THEIR JOB! FIX IT OR PAY THE PRICE! Nationstar has already been sued for this lack of ethics and changing your name isn't going to change the fact that what you are doing is wrong on so many levels.Way to much data missing from my Nationstar mortgage, MONTHS!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I WAS TOLD THAT IN ORDER TO BE APPROVED FOR A, EVERDAYAMERICANEXPRESSCREDITCARD, ALSO THAT IWOULD NEED A SCORE OF AT LEAST 750, POINTS ON MOST RECORD SHEETS SUCH AS XXXX REPORTING AGENCY OR THE OTHER ONE THAT I MY SELF BELOMG TOO/SUCH AS XXXX XXXX XXXX FOR AT LEAST ABOUT 2/YEARS MEMBERSHIP.THEPHONENUBERTOTHIS OFFICE IS XXXX, AMERICANEXPRESSRECONSIDERATIONLINETEAM/THESEPHONENUMBERS ARE AS/FOWOLLING/XXXX-XXXX-XXXX/XXXX-XXXX-XXXX/I, THINK YHAT THE REAL NEED IS TO ASK THESE PEOPLES FOR A BETTER UPDATE RESPONSE/FURTHERMORE, AS A GHANGE UP IN WRITING BECAUSE MY POINTS KEPT BEING CONTRUSED DOWINGLY EVERY MONTH FOR NO APPERENT KNOWN REASON/ALSOTHE BOTTOM SHEET REPRTS NEGETIV ITEMS WERE SUPPOSED TO BE ERASED BY/XXXX/AND XXXXBLDGINGSMEMBERS, IF NOT OUTSIDECARS/JUMPSIE/OUT/OF/TOWNLOOKS/PERSONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: First Credit Services Inc.
State: NY

Complaint narrative:
These are the following accounts that are on my credit report without me knowing 1. XXXX XXXX. DATE OPENED XX/XX/XXXX {$1000.00} 2. first credit services date XX/XX/XXXX {$6000.00} 3. XXXX XXXX  XXXX date XX/XX/XXXX {$230.00} 4.XXXX XXXX XXXX   XX/XX/XXXX {$0.00} 5.XXXXXX/XX/XXXX {$0.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
These are the following accounts that are on my credit report without me knowing 1. XXXX XXXX. DATE OPENED XX/XX/XXXX {$1000.00} 2. XXXX XXXX XXXX  date XX/XX/XXXX {$6000.00} 3. sunrise credit service date XX/XX/XXXX {$230.00} 4.XXXX XXXX XXXX XX/XX/XXXX {$0.00} 5.XXXX  XX/XX/XXXX {$0.00}

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 2019-11-05 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: TX

Complaint narrative:
PLEASE LOOK INTO THE XXXX  ACCOUNT WHICH IS REFLECTING NEGATIVELY ON MY CURRENT CREDIT REPORTS. THIS IS AN ACCOUNT THAT IS NOT REPORTING ANY BALANCE WHAT SO EVER, IT IS A PAID CHARGED OFF ACCOUNT AND IS STILL REPORTING UNDER ALL THREE BUREAUS. THE ISSUE HERE IS WHY WAS TRANSUNION ABLE TO REPAIR THE DEROGATORY HISTORY ON THIS ACCOUNT, AND WHY DIDN'T XXXX AND XXXX  DO ANYTHING ABOUT IT? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY. THIS ACCOUNT HAS BEEN OPENED SINCE XXXX OF THE YEAR XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING ( SINCE : XX/XX/XXXX ), AND TRYING TO GET THE NEGATIVITY OFF OF MY CREDIT REPORT, STILL ... ..NOTHING HAS BEEN DONE ABOUT THIS MATTER AND THIS IS REALLY GETTING TO THE POINT WHERE IT IS UPSETTING ME IN GENERAL.

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 2019-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE LOOK INTO THE XXXX ACCOUNT WHICH IS REFLECTING NEGATIVELY ON MY CURRENT CREDIT REPORTS. THIS IS AN ACCOUNT THAT IS NOT REPORTING ANY BALANCE WHAT SO EVER, IT IS A PAID CHARGED OFF ACCOUNT AND IS STILL REPORTING UNDER ALL THREE BUREAUS. THE ISSUE HERE IS WHY WAS XXXX  ABLE TO REPAIR THE DEROGATORY HISTORY ON THIS ACCOUNT, AND WHY DIDN'T XXXX AND EXPERIAN DO ANYTHING ABOUT IT? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY. THIS ACCOUNT HAS BEEN OPENED SINCE XXXX OF THE YEAR XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING ( SINCE : XX/XX/XXXX ), AND TRYING TO GET THE NEGATIVITY OFF OF MY CREDIT REPORT, STILL ... ..NOTHING HAS BEEN DONE ABOUT THIS MATTER AND THIS IS REALLY GETTING TO THE POINT WHERE IT IS UPSETTING ME IN GENERAL.

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 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation