vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
I opened a checking account at XXXX XXXX in XXXX. Later, this checking account was transferred to Flagstar bank in later XX/XX/XXXX because XXXX XXXX sold some of their customers to Flagstar. Since there are no branches of Flagstar near my previous city - XXXX, XXXX, I stopped to use the checking account of Flagstar. I transferred all my money out of this checking account and keep XXXX balance on it in XXXX, XXXX. In XX/XX/XXXX, I moved to XXXX and I found my XXXX reports me having debt from Flagstar. I called the customer services of Flagstar. They told me they started charging me several dollars from someday XXXX or XX/XX/XXXX due to the XXXX  balance or whatever. After about 20 or 20 days they closed my checking account and sent a debt of {$170.00} to a collection company on XX/XX/XXXX. I have no idea about the penalty fee of XXXX balance of the checking account. I have never heard the fee neither. Also, I have never been notified by mail or email about the charges on my account. However, in order not to influence or ruin my credit history, I directly paid the debt but I still have no idea about the charge. Recently, I requested a report from XXXX  and found the reported information on the debt is about abusing account. I don't think I abused the bank account and I should not be charged for the unreasonable fee. I think the bank intentionally charge people and close their account without any notice.

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 2020-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX transfer my home Loan to other entity that is part of the same XXXX XXXX XXXX too. And, the name OF THE NEW COMPANY MANAGEMENT MY HOME LOAN is S.P.S : Select Portfolio Servicing , INC . 

I paid in advance the home insurance of XXXX : I did the payment in XXXX XX/XX/XXXX : {$1200.00} to cover XXXX full home insurance year. I wait for the insurance refund and finally with the last four monthly loan payments, I wrote to S.P.S REQUESTING FOR MY REFUND OF $ XXXX, AND STILL WITHOUT RECEIVED MY REFUND. 

I send the refund requested via certified mails : XX/XX/XXXX : Certified mail # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX In addition in the tax information they report the payment of that amount, also the insurance company of the home : XXXX XXXX XXXX send me and sent it to S.P.S THE RECEIVED WHEN I did the payment. 

I have been waiting more than a year, and S.P.S STILL WITHOUT SEND ME THE REFUND.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We were set to purchase to sell our old home and purchase our new home on XX/XX/XXXX of last year with a loan from Wells Fargo. The bank had concluded that we had sufficient funds to close on the sale of our home, sufficient income to make our regularly monthly mortgage payments, and had repeated assurances that all of the documentation we had provided was sufficient for closing. 
We hired movers to help us move out of our home XX/XX/XXXX, and they would help us move into our new home XX/XX/XXXX. 
XX/XX/XXXX, as the movers finished clearing out the last pieces of furniture from our old home, we were notified by the bank that we did not have sufficient liquid assets in our accounts to be able to close. This money had nothing to do with funds used for closing. There simply had to be a minimum balance in our account to meet an undisclosed requirement from the bank. We now had less than 24 hours to find {$30000.00} to make up the difference. 
We managed to find it through a rapid liquidation of $ XXXX funds, but it took 48 hours, as banks have rules about moving around such large sums of money. We also could not delay the closing on our original home, lest that deal would fall through, because the buyers of our old home could not change the date of their closing.

We had already planned to spend two nights in a hotel, but that had to be extended for longer because of the bank 's last minute disclosure about additional assets needed. 
We moved the closing by 24 hours, per suggestion from the bank, but they did not meet the commitment to close after 24 hours had passed. They refused to give any timing updates, despite repeated requests through phone and email by both ourselves and the closing attorney. The underwriter did not even start reviewing the loan until after we had committed to close on the sale, which required the recording the closing to be pushed out another day. 
In the end, we managed to close on the home, and did not end up homeless, but it cost us a great deal of wire transfer fees, an additional night in a hotel, and a great deal of anxiety and throwing up over the stress. 
The bank opened an internal investigation and concluded they did nothing wrong. They stated they made an assumption by our original proposed sale price, but never revisited that, even after we notified them of what the sale price would be, which is where the discrepancy came. They also stated that we provided all documentation that was requested of us in a timely manner. 
So, if they did nothing wrong, and we did nothing wrong, what happened that everything went wrong? 
Worst of all, no one from the bank ever apologized. Not even once. 
I followed up with the person responsible for the internal investigation, but they never returned my phone call.

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 2020-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Some time prior toXX/XX/XXXX, I reached out to Wells Fargo to inquire about why my mortgage was not being reported to the credit bureau. Because I had been in a bankruptcy, they stated the loan needed to be reaffirmed ( which speaking to an attorney, that was not accurate because we completed a loan modification prior to my Chpt XXXX being converted to a XXXX ). At any rate, the suggested if I refinance, then it would be reported. I said ok. They started the application process XX/XX/12. I paid for my credit to be pulled, only for them to tell me I didn't qualify because of my bankruptcy and another factor. That doesn't make any sense. It impacted my credit file and cost me and now we're back to the original question ... WHY IS MY MORTGAGE NOT BEING REPORTED? I want this resolved and my money 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 2020-01-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit score has been between XXXX and XXXX for over 3 years. I received an email from Experian indicating they had a new feature called " Boost '' that would include regular bills I paid each month ( ie, utilities, telecom ) to boost my credit score even higher. I pay all my utilities and phone bills using autopay each month so my payment history is excellent with all of these. I created an account with Experian ( acct # XXXX ) and gave them my bank account number so they could access the accounts that I paid automatically each month. I was never able to get confirmation that this feature was activated because the Experian website kept freezing every time I tried to activate it. Shortly after I tried to activate this Boost feature I noticed that my credit score went down to XXXX virtually overnight! This made me absolutely FURIOUS! I have tried contacting Experian multiple times by phone and email but have not been able to get a response from anyone. My emails were never responded to and I was never able to speak to a live person on the phone or leave a message. All of the customer service phone numbers I tried ( over 10 of them ) are answered by automated attendants that ask to verify my identity before connecting the call. I have entered my social security number an zip code and have waited on hold for over 1 hour one time and then the call just disconnects. Seems like I am not the only one having a difficult time getting a hold of this company. Customer ratings online are nothing but negative. How can a company that controls such critical and sensitive personal information be so inaccessible to the people that are negatively impacted by the mishandling of this information? My credit score has been severely damaged by my attempt to use this Boost feature and I want it removed immediately! Please let me know how to resolve this issue with this terrible company as soon as possible. Thank you.

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 2020-01-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have tried to initiate a dispute investigation XXXX times for a purchase that the seller did not deliver according to our contract. 

Each time, the case is closed saying that the merchant had previously credited me. This is not true. The day I made the original payment, I was sent an invoice for {$2100.00} which I paid. Then they said that was the incorrect amount, so they refunded me and sent me a new invoice for {$2100.00}. I am trying to dispute the {$2100.00} charge. 

I am attaching a screen shot of my statement that shows the {$2100.00} was paid and refunded, but that is not related to the {$2100.00} charge. 

Also I am attaching the letters received each time regarding this matter. 

CLAIM ID : XXXX CLAIM ID : XXXX Thank you - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XX/XX/2019 I informed Credit Acceptance that this account did belong to me yet they delivered documents that were clearly result of identity theft as the application did not have my signature. Also requested a copy of driver license that was provided yet Credit Acceptance could not provide this as either. Credit Acceptance is continuing to inaccurately report incorrect information on to my credit file. Now I am requesting what date was such vehicle repoed and where was it repoed from. Also what remedies were used to contact me to make me aware of such. I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by Credit Accpetance in the State of Texas on or about, a date that I am unaware of due to it was not my vehicle nor the signature on the contact is mine. However under the laws of the State of Texas UCC 9.506 and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.

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 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
equifax. 
spent over 2 hours trying to unlock my login got transferred under false pretenses.

unresolved after 3 attempts to contact them. 

is there a way to unlicense them for criminal negligence?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Lowes credit card ( synchrony bank ) is turning down my dispute for roughly XXXX $ they lied on the phone and said all my signatures are on the receipts with in the 56 transactions Ive opened 5 claims sinceXX/XX/XXXX sent affidavits which they say they never received which Ive mailed faxed everything. They wont send me the proof of receipts with the signatures. This is ruining my credit and they are breaking their 100 % fraud they had in there forms when I applied for the credit card and they have record of my account being hacked and turned over with other peoples information took me months to get the info changed back to my information. I just want this dispute closed and off my records worst credit card services with no protection would high recommend to not do anything through synchrony bank

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 2020-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed my checking and savings accounts but did not provide a reason for doing so and will not provide a reason when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: NY

Complaint narrative:
Account information inaccurate on my credit report. I have submitted disputes to experian and haven't heard anything. Please have them remove the inaccurate information from my report please.

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 2020-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I have submitted all the documents for a foreclosure alternative, we have submitted completed packages to mr cooper multiple times, trying to do the right thing and they keep stating that they do not have a complete file, when I have copies of all documents sent, my home have equity in it, I am feeling like the bank is attempting to keep my built up equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lending Club Corp
State: CA

Complaint narrative:
I filed for Chapter XXXX and was Discharged however, my credit score recently dropped due to Lending Club Corp, XXXX XXXX, XXXX  XXXX XXXX, XXXX still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Around XX/XX/2019 I started a refinance process with Quicken loans, after going over several loan options we mutually agreed that the company did not have any loan options that made since. However, I was told that I would be released from the loan and as of to date they will not release me from loan so that I continue my search to refinance or will they release my appraisal that I paid for to another company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I filed for Chapter XXXX and was Discharged however, my credit score recently dropped due to XXXX XXXX XXXX, Ally Financial, XXXX  XXXX XXXX, XXXX still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Auto 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: Pacific Retrieval LLC
State: CA

Complaint narrative:
They have contacted us multiple times in the past about taking legal action, the most recent was a letter sent from XX/XX/ 2019. Theyre asking for {$2100.00} for a vehicle we no longer own and have threatened my family by stating they will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
In regards to phony collection practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ( XXXX ) XXXX This information was not provided by XXXX XXXX XXXX. I had to look this up on the internet. Not once did they send written notice of the debt. By avoiding this step they were able to get a summons which I never received and writ of garnishment. All this and I don't even know what this debt is about. I have no old debt. If so it would be zombie debt and past its statute of limitation. They violated the Fair Debt Collection Practices Act. They are using a proxy " legal '' firm called WeberOlcese Attorneys & Counselors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. From whom I have only received two documents in the mail and this only after I contacted them after finding out about the writ of garnishment from my bank. I informed them only that I have no debt. That all debt had been paid in XX/XX/2015which for me was a terrible year with the passing of my mother and having to pay for her funeral out of pocket. XXXX XXXX XXXX is a company that has many identities and they use these identities to get individuals to pay for the same debt over and over again. They are fraudulent and anyone associated with them is suspect to me. They are being investigated for violating collection practices acts. Although XXXX XXXX XXXX initiated the procedure I have yet to receive anything in writing from this dummy corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: FL

Complaint narrative:
I recently applied for two US bank accounts one secured and the other unsecured. I was asked to verify my information and I even called from the number on my fraud report. The Fraud department asked for documentation of Front and back of drivers license front and back and Social Security card and a bank statement confirming my address. I complied and faxed the information to the proper department only to find out that my application was declined because they were not able to verify my identity. I find it really peculiar that as a XXXX  individual I was denied and discriminated against. I provided the information only to be told that they decided to decline it. I sent all information requested and even called from the number on my XXXX credit report ( that was The report they used ).

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 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Around XX/XX/2017 I was elated to be approved by Amex Green and two other products. Shortly after my credit cards were compromised by a previous roommate who had even made fraudulent payments. AMEX credit the fraud and I completely paid the amounts I had charged only to find out that they closed all my accounts. I was never late once and I paid for the products I had made with the AMEX cards. Since then I have tried a number of times to get my accounts reinstated but to no AVAIL. Is this how the AMEX banking system that is regulated by the FTC and Federal Government treats victims?

Company response to consumer: Closed with explanation