vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I attempted to use my card at the atm and was told the transaction couldn’t complete so I called the company around XXXX  XXXX  and was told “ we are sorry for the inconvenience but we can not answer any questions at this time call back in 3 hours.”  I called back at XXXX  XXXX  and was told the exact same thing. I can’t check my balance, I have no idea if the still have my money. They have given no ETA or inclination that they even know what the issue is. I am unable to use my card and my money is being held hostage by this company. It is 5 days before XXXX. The card is Bluebird by American Express. What irks me is they have on their website that the website is down but that the cards are unaffected and can still be used, but they can’t.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
On XX/XX/2019, I paid off my student loan with UAS ( servicing a XXXX XXXX  XXXX XXXX XXXX refinance ) through a refinance with XXXX. 

Due to processing timelines, the amount paid by XXXX to UAS resulted in a {$210.00} overpayment of the amount, leaving the ~ {$200.00} credit on my UAS account. 

I reached out to UAS and they said the amount would be paid back to XXXX  within 45-60 days. It is now past that timeline and they haven't responded to a more recent inquiry on the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I recently completed a refinance and the former company, Shellpoint Mortgage Servicing, has not returned my escrow balance for property taxes in the amount of {$8500.00}. 
Every time I call the Shellpoint customer service they state that they will not return my money because they sent it to the county via XXXX  Batch number XXXX. 

They should not have sent it in the first place because their loan was paid off and they were required to RETURN the escrow balance to me, the CONSUMER. 

The County of XXXX TAX COLLECTOR states that they have balanced ALL of the batches and they Never recieved the funds from Shellpoint for my account. 

I called Shellpoint again today and they are now saying that XXXX is returning it to them but they will not refund me. They say I HAVE TO WAIT for their mistake!!! 

I am a single mother and that money is a substantial amount of money that I desperately NEED. Shellpoint is just playing games and they MUST return my finds but they are not cooperating. Will you Please help me? They are preying on a defenseless consumer and it is completely vile!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armada Corp.
State: NV

Complaint narrative:
I was contacted by Armada corporation, about a debt to XXXX XXXX XXXX  XXXX. I explained that this charge was incorrect since it was for an XXXX XXXX XXXX that is covered by my insurance. I explained that I have two insurances and should not have a bill at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: CA

Complaint narrative:
I was not approved to open a XXXX credit card today XX/XX/19 because there are accounts reflecting badly on my credit report ; I was not aware of these accounts until today. None of those accounts belong to me nor did I allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts on my behalf without my consent but I have already filed a police report. I did not benefit anything from these accounts such as money, goods or services and I did not make any purchases or payments towards these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
To Whom it May Concer : Re : HSBC Mortgage Escrow Refund I found the attached check which has not been cashed when reorganizing my files. Unable to contact anyone at the former HSBC Mortgage Servicing company, XXXX or the company that acquired XXXX, XXXX via telephone or email. Unable to reach anyone at in Customer services, I sent two emails to XXXX Investor Services requesting their assistance in addressing this unclaimed check. Note : I tried to get assistance from the current HSBC Mortgage Servicing company, XXXX, However, they directed me to XXXX / XXXX. 

Any assistance you can provide would be greatly appreciated. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX ( H ) XXXX ( M )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was not approved to open a XXXX credit card today XX/XX/19 because there are accounts reflecting badly on my credit report ; I was not aware of these accounts until today. None of those accounts belong to me nor did I allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts on my behalf without my consent but I have already filed a police report. I did not benefit anything from these accounts such as money, goods or services and I did not make any purchases or payments towards these accounts.

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 2019-12-20 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: CA

Complaint narrative:
I was not approved to open a XXXX credit card today XX/XX/19 because there are accounts reflecting badly on my credit report ; I was not aware of these accounts until today. None of those accounts belong to me nor did I allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts on my behalf without my consent but I have already filed a police report. I did not benefit anything from these accounts such as money, goods or services and I did not make any purchases or payments towards these accounts.

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 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
I received a call from this company looking for a former relative of mine. 
The persons name was XXXX, and I told her that the person she was looking for did not live at this number, but since the person has the same last name as me, XXXX asked me did I have this persons number. 
I gave her the last known number I had for the person, and asked XXXX to take me off the call list because the person she was looking for did not live with me. 
On XX/XX/19 I received another call from the same company, this time from someone named XXXX. 
I told him the same thing I had told XXXX, that the person he was looking for did not have this number, and to please stop calling me. 
On XX/XX/2019 I mailed the company a Demand for Damages for excessive Telemarketer Calls, because my number is on the National Do Not Call List, and has been on the list since XXXX. 
What this company did is against the law, and something needs to be done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My loan was sold to LoanCare in XX/XX/2019. I received notice of my new account number and changed that account number with my banks online bill paying service. My bill service somehow inadvertently used the old account number on the first three payments to the loan company for XXXX, XXXX and XXXX of 2019. I contacted LoanCare and submitted documentation of the three payments made. To date, they have credited me for two of them. My payment from XX/XX/2019 is still not properly credited so my account shows that I am a month behind on payments. I have contacted the company nearly every month since to have this rectified. Every customer Service person I have spoken with has said that all the documentation is there and there should be no problem with the payment being properly credited within the next 30 days. Every month, it never happens and I have to call them again. The last time I called in XX/XX/2019, they told me the complaint had been closed/resolved in XXXX and yet the payment is still not credited to me. They reopened the complaint again at that point and said that it should be credited within 5 days. Today is XX/XX/XXXX and it is still not credited to my account and I still am showing 30 days delinquent on my mortgage.

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 2019-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Someone accidentally sent me {$200.00} on Venmo on XX/XX/2019 at XXXX XXXX PST. The payment was intended for someone else and it was a complete mistake on their part. When they figured it out, they contacted me and asked to send it back because of the fact that it was a mistake, and I agreed knowing that they did not intend to send me the money. Unfortunately, my Venmo account was negative at the time, so I couldn't send it back. Knowing that the money wasn't mine and that they needed it, I reached out to Venmo customer service and asked them to cancel it and reverse the transaction. My overdrawn account should not become her problem because she made a mistake. Much to my surprise, after having me on hold for an extended period of time, they returned only to tell me that they could/would not reverse the transaction. I asked them to set me up on a repayment plan to satisfy my negative balance and to return the money to the sender, a d they agreed to set me up on a plan, but not to reverse the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld apparently purchased an account from XXXX or took over an account from XXXX  for which I had an open dispute, they have reported it to credit reporting agencies negatively impacting my credit score and ability to rent in the future after a phone call with them on or about XX/XX/XXXX. I use XXXX XXXX and I received an alert from XXXX XXXX today ( XX/XX/XXXX ) that this report showed up on my credit. ( See my previous complaint again XXXX  and XXXX  XXXX  XXXX. XXXX  XXXX  was originally charging me over {$2600.00} in false charges for which they provided pictures of alleged damages. I sent in the attached letter of dispute and never heard back from anyone until Transworld initially contacted me back in XXXX. They said XXXX  XXXX  " investigated '' my dispute ( the dispute was against XXXX  XXXX  ) and that they removed all charges except {$390.00} which is for blinds and damaged doors. Their own pictures ( see previous dispute ) show the blinds and there is NO damage to the blinds. They also allege damages to doors for which they have no pictures of and I find it interesting they removed all other charges except for things they have no evidence of. I don't feel I should have to spend money hiring a lawyer when I have already proven that XXXX  XXXX   has lied and by their own admission by removing all the previous charges except for ones they have no evidence of. I explained all of this to Transworld when they called me and told them I was disputing the charges. After my phone conversation with them on or about XX/XX/XXXX, they mailed me a copy of my lease renewal in XXXX and itemized statement for the blinds and damaged doors. Again : XXXX  XXXX XXXX own pictures show the blinds and there is no damage and there are no pictures of damaged doors. The pictures XXXX  XXXX provided were of walls that weren't wiped down and dirty outside door/wall and tape on the ceiling from birthday balloons and dirty window seals, for which my deposit covered their cleanup charge of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On Thursday, XX/XX/2019, I made some purchases on XXXX marketplace using my bluebird card by American Express. At some point through the night their system went down and my purchases were declined even though I had more than enough funds in my account. On Friday, XX/XX/2019, I attempted to log in to make a truck loan payment to XXXX XXXX but I was unable to access my account yet again to send my payment. I always send my payment before noon so that it is delivered on time but now it is almost XXXX and I still am unable to send my payment out. My payment will now be late so I will be charged a {$30.00} late fee on it. I also have 4 credit card payments due that I am unable to make and each charge a {$25.00} late payment fee as well. I am looking at {$130.00} in late payment fees alone because I can not access my money. I have my car insurance scheduled to come out today and it will be declined as well. I tried to use an atm to pull out cash to pay for my storage locker because that payment is due today and is {$60.00} for the month. I've attempted to use my card at a gas pump to put fuel in my vehicle to get to work but it was declined so I missed a full day of work. I have a few more online purchases that I've made that have yet to hit my account but when they do they will all be declined and my orders cancelled so I will not receive the items I purchased for others as XXXX gifts in time to take them with me when I travel for the holiday. On their XXXX feed I have noticed that this has happened to thousands of customers since it began last night and not a single one has access to their money at all. A few are even stranded at gas stations or at check out lines because they can not pay for their purchases. It is the BlueBird and Serve prepaid debit cards by American Express!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DFC Global Corp.
State: SC

Complaint narrative:
I received a call from Aspen stating I opened an account and did not pay. After speaking with this company I realized they allowed an account to be opened in my name without verifying income or that the person opening account was me by requesting ID or banking info ... They deposited XXXX into an account at a bank that I do not bank at. 
This company is not verifying to make sure consumers that are opening accounts are legitimate and putting incontinent consumers at risk for identity fraud.. This company would not even tell me what measures they took to verify employment, personal information and bank account on this loan The loan opened under my name of XXXX XXXX is loan no XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Around XX/XX/2019 called to make my regular mortgage payment. Was told then need to pay a diffrent amount. Called back on XX/XX/XXXX, to again make the payment and was told i need to pay {$2100.00}. My regular payments were {$620.00}. This devistated me. All kinds of fees were added and I could not afford these payments. Close the end I found a Cash buyer and they based their decision on my XX/XX/19 statement. When we went to close the amounts change so dramtically they decided not to buy and now the house is in foreclouser. i really do not feel all the fees were fair. I felt like they forced the forclouser requesting so much money at ontime. Not even sure if this loan should be mines, thought my mother had life insurnace to cover the payments upon death which i provided the death certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc.
State: PA

Complaint narrative:
I have a student loan with SoFi which has a rate of approximately 5.5 % for 15 years. I wanted to take advantage of recent decline in rates so I applied for a refinance at SoFi and XXXX XXXX. SoFi initally offered an initial rate of 5.149 % while I received a rate  of 4.99 % at XXXX. On XX/XX/XXXX I received an email from SoFi for their rate match program. The advertising says that if I supply competitors documentation they would match that rate. I called SoFi on XX/XX/XXXX at XXXX XXXX  to discuss the offer and was told that all I needed to do was to submit the documentation, pull my credit to determine eligibility and they can match the rate. I submitted XXXX XXXX  's offer and submitted the application. I received notification at XXXX XXXX  from SoFi that the application was complete and that I can sign the documents. After review the loan docs, I found that the rate was still 5.149 %, I called SoFi and told them of the mistake and the representative on the phone advised that they would go back to the underwriter of the mistake and I should receive new loan documents. At XXXX XXXX  I received notification again that the loan documents were complete. I checked the rate again and it was still the same 5.149 % rate. I called XXXX again this time the representative advised that they can't match the XXXX XXXX  's rate because the rate they offered is the lowest they can offer for the 15 year term. I said then why would XXXX send me an advertising to match a rate when they knew that they couldn't even go lower than what was offered?? I was transferred to a supervisor, his name is XXXX XXXX form the account specialist team and he explained that they recently changed their policy that they would not rate match if the rate is the lowest they can offer. I advised him that it was false advertising because they couldn't provide me a lower rate from the beginning. So why did they tell me to submit my application and re-pull my credit which has an adverse effect on my credit. He couldn't explain why. I told him that I checked the legal language and there is nothing that says that they will not offer a lower rate if it is the lowest they can provide. I have the email saved in my email box. The only thing he is able to offer is to submit a suppression of credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I present the complaint of the collection agency XXXX XXXX XXXX I have never had COLLECTION AGENCY NOTICE and less have opened an account with them, this seems false or some type of " hacker '' that access my credit account so I ask for immediate investigation. They have given news related to this type of situation in : Fake Collection for Non-existent account!! I expect quick action on it. Thank you. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX  I received a check dated for XXXX XXXX XXXX, to the amount of XXXX from the XXXX XXXX XXXX. I was an employee for the XXXX at that time. I tried to cash the check during early XXXX since I was out of town when the check arrived in the mail. When I tried to cash the check through the mobile deposit app, I got a message saying that the check has already been cashed, even though I hadn't even opened up the check. At that time, I reached out to the bank I attempted to deposit the check into, XXXX XXXX who said that I would need to contact my employer, as it was an issue on their end. When I contacted my employer, they said that there was nothing that they could do on their end, and that I would need to contact their bank, Wells Fargo, to file a Fraud Report. I was provided a copy of my endorsed check to submit with my affidavit of fraud report. I contacted Wells Fargo on numerous occasions to see this matter be sorted out, however, they told me that there was nothing they could do on their end, except have me file the affidavit of fraud report. I filed the affidavit of fraud report (attached). When I was talking to the associates at Wells Fargo, they told me that when they were reviewing the paycheck that I was given, they saw that the XXXX XXXX XXXX had issued a check with the same check number and amount on the same day that my check was issued (XXXX XXXX XXXX).   Furthermore, when I was talking to the associates at Wells Fargo,  they told me that my check was chased during the week of XXXX XXXX; however this couldn't have been me, as I was in XXXXXXXX XXXX  at the time. After filing the affidavit of fraud report, I have tried to follow up with Wells Fargo, but they are being unresponsive since I am not the account owner on the account (The XXXX XXXX XXXX account). This is the point I am at today, I do not know what else to do. My money is being held in this limbo state, and I have been working for the past 5 months to get it back. I am just trying to get 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