vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 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: Netspend Corporation
State: FL

Complaint narrative:
I had a prepaid card thru XXXX XXXX the card was stolen with the other card at a hotel by some employees and netspend demanded me to send a copy of my identification and social security card and copy of mail with my address

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 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I recently settled a balance with TransWorld Systems Inc. The person on the phone advised me that they would delete the account from my credit reporting as part of the settlement. The account is still listed on XXXX and XXXX. This is in violation to terms and needs to be deleted asap. I have attached a copy of my settlement letter. Please delete and do not force me to escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am having a very difficult time with Select Portfolio Servicing. After my CARES ACT COVID Forbearance SPS is refusing to review me for a loan modification to fix the past due balance. I have submitted but it gets kicked out. I am now back to work full-time. My income was greatly affected by the pandemic. I was told when I went into the forbearance that SPS could resolve at the end. Now that I am back to work my income qualifies for approval. I am not trying to lower the payment. Just get back to current. 
I am filing a complaint to help save my home and get my modification documents in review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Contacted Wells Fargo XX/XX/21 to report fraudulent activity on my checking account. Someone impersonating a Wells Fargo employee texted my stating there was an unauthorized XXXX transaction and asked me to confirm or deny the charges. I denied and I was contacted by a Wells Fargo phone number and was told I needed to reverse the transaction and he guided me through it. Almost immediately I saw money being withdrawn from the checking account, mentioned it to the Wells Fargo employee and he hung up. Immediately contacted wells Fargo to report this fraud. Was told by several Wells Fargo employees I would be reimbursed. Weeks went by and then received a letter from Wells Fargo denying my fraud claim on XX/XX/21. Contacted Wells Fargo fraud department on XX/XX/21 to dispute this denial was told they would look into it Contacted again on XX/XX/21, same story. Everytime we call, we are on the phone for hours and no one seems to have any idea what how to assist us, no investigation of the crime of wire fraud thAt took {$2500.00} from my account. Wells Fargo has done nothing and has failed to reimburse us the funds that were stolen

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 2021-12-16 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: CA

Complaint narrative:
I sent sent a letter to XXXX challenging the validity of the alleged bankruptcy they have listed on my report. 
I recently Challenged this same account with TransUnion credit bureau and they came back stating that they have verified this account with XXXX XXXX XXXX. I have went to the courthouse, and they have also stated they did NOT verify this information. I asked XXXX to send me whatever documents of information they have personally used to verify this alleged bankruptcy, immediately. They sent information but the address dont match my identity.

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 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
Closed on a loan in early XX/XX/2021 with Sierra Pacific Mortgage. At closing we only had a temporary account number that was not accepted on the mortgage company 's website so we could make electronic payments online. Repeatedly called them to get a permanent account number but they kept telling us they were working on it. 

The first payment date of XX/XX/2021 was approaching so we had to mail a check from our bank account 's website to the payment address with the temporary account number. The check was sent on XX/XX/XXXX from XXXX As the XX/XX/XXXX payment approached, we still did not have a permanent account number and mailed the XX/XX/XXXX payment from XXXX on XXXX to the mailing address and temporary account number. As this payment was being sent we were informed that servicing would transfer to XXXX XXXX XXXX  and that payments would be automatically forwarded. 

XXXX XXXXXXXX XXXX has been provided copies of the two mailed payments in the form of canceled checks from XXXX. They have stated which payment has not been applied, but they have not credited our account. We had Payment/Statement Inquiry ( Ticket # XXXX ) open. Check XXXX is the check that hasnt posted per their research team. 

With XXXX XXXX XXXX we have been able to make online payments and have made electronic payments on XX/XX/2021 from XXXX XXXX XX/XX/2021 from XXXXXXXX XXXX, and XX/XX/2021 from XXXX XXXX generated from the XXXX XXXX XXXX website. 

The latest communication from XXXX XXXX XXXX on XX/XX/2021 ( which still seems to go by the name of Sierra Pacific Mortgage, so not sure why the can't locate payments ) is " Unfortunately, payment history doesnt provide the check numbers. " However, it appears 4 payments XXXX, XXXX, XXXX and XXXX have been applied to your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I recently got a call from XXXX XXXX XXXX saying I owe them money. I told them I never open the account or anything with them. They told me the account was open XXXX  and now I owe XXXX thousand dollars. The fraud person used my name and Identity information to open a credit card. The fraud use their address though. So statements would sent to that address. I told the agent I never lived that address. I need to dispute this. So now I'm in the process of dispute my debt collection and need proof that I'm being hurt and need to get this solved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a BestBuy Visa. I had received an offer in XX/XX/2021, which I activated through my email. 

The Citibank offer stated ( sometime in the first half of 2021 ) I'd receive {$75.00} in rewards if I spent {$750.00} on utility charges on my card. I did exactly do what the offer stated. 

However, I did not get the rewards. When I called, they said I need to wait for 6-8 weeks. I waited a lot more than that. I waited a few months, and nothing was every provided. 

I called in XX/XX/2021, and they had me on the phone for XXXX minutes with Citi and BestBuy rewards team and they said I would be receiving the {$75.00} reward in my email. 

I waited several weeks nothing happened. 

I called again today and was on the phone for XXXX minutes with the supervisor. She tried call XXXX and was on hold. She then said she had to go, and I can talk to them directly. 

After terrible customer service from both Citi and XXXX, I have no energy left to be on the phone again after being on the call for XXXX minutes in the last 2 calls. I asked to speak to another supervisor, and she said she was it. I have no hope of recovering anything if I call XXXX directly or through Citi. # NorespectforCustomer

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 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I noticed this company placed a collection on my credit file in XXXX of XXXX for roughly {$670.00}. The collections was for a medical bill that I do not owe and knew nothing about. I never received a call or letter from the company concerning any debt owed. I called the company and explained that this debt is not mine in fact the debt originates from a medical facility I have never even been too. I asked the company to provide me with anything that substantiates that I owe this debt and they couldn't provide me with anything. I also sent the company a debt validation letter to demand a response and I have yet to hear back from the company. TRANSWORLD SYS INC/55 is clearly a fraudulent company and should be investigated by the proper authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have reached out to Portfolio Recovery Associates LLC and requested information in which I have yet to receive a response. Portfolio Recovery Associates LLC is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Please removes these accounts as soon as possible Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ARE RECEIVABLES

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 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently got a call from capital one company saying I owe them money. I told them I never open the account or anything with them. They told me the account was open XXXX  and now I owe XXXX XXXX dollars. The fraud person used my name and Identity information to open a credit card. The fraud use their address though. So statements would sent to that address. I told the agent I never lived that address. I need to dispute this. So now I'm in the process of dispute my debt collection and need proof that I'm being hurt and need to get this solved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sovereign Lending Group, Incorporated
State: OR

Complaint narrative:
On XXXX I noticed a hard credit inquiry from sovereign mortgage company out of California. I have never spoken with or heard of this company, nor have I attempted to get a mortgage. I attempted to email and call multiple times since and have not gotten an email back or even been able to get through on the phone during regular business hours to find out why I have an inquiry from them. 
After these attempts I finally contacted XXXX to file a dispute and after doing so they told me to file a report through this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
responding to complaint ID XXXX In a letter from XXXX XXXX XXXX XX/XX/XXXX XXXX he stated I will be provided refund by XX/XX/2022, but now he's saying no refund for 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 monetary relief
Consumer complaint received 2021-12-17 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: OR

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit that do not belong to me! this info is fraud and i want it investigated and removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-17 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: MoneyLion Inc.
State: WA

Complaint narrative:
I am a victim of identity theft. Incidents has been filed to local police department for police report. The fraud Moneylion account is a result of the identity. I sent email and made multiple calls to reach out to the institute fraud department when I received a debit card in letter. The call is always directed to voice message only. I have never received any call back after leaving them message. When I talked to their customer service department with recorded call reference ID, they assured me the account was frozen on XX/XX/XXXX with fraud alert, but when I called again XX/XX/XXXX for follow up, they told me that a loan was approved even after I put security freeze for all XXXX credit bureaus. The email I sent on XX/XX/XXXX to alert the fraudulent accounts and got a reply with a generic custom support email for rating of the service. So far there isnt any other response or call back. A very challenging institute to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received an unrequested card in the mail from Chime.com. I contacted the firm using the phone number provided, the information on the automated system requested that I contact them via email. Once in contact with the support department using email, I requested that the company contacted me by phone as I did not want to send anymore identifying information over unsecured email. 

After multiple attempts and great frustration, I have come to what seems like a loop with their automated system, I want to understand what information was supplied to them to create an account in my name, but they will not proceed in a manner that is safe to share such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have had the same loan servicing issues multiple times with PHH Mortgage Servicing. 

I am including screenshot images to my complaint today regarding the issue. 

I logged into my PHH Mortgage account today, XX/XX/XXXX, at approximately XXXX EST to make an online payment on my loan account for my XX/XX/XXXX payment. 

The scheduled date of the online payment automatically defaults to tomorrows date, XX/XX/XXXX. When I click on the calendar icon located in the field titled Payment Date, I am unable to select todays date of XX/XX/XXXX, as it is grayed out and unable to be selected. 

At the bottom of the webpage, located above the blue SUBMIT PAYMENT button, PHH Mortgage has a disclaimer that clearly states Payments made before XXXX PM EST Monday through Friday ( excluding holidays ) will be processed and applied to the account the same day the payment is made. 

I am unclear why if it is prior to 9PM EST, PHH Mortgages website will not allow payments to be made and processed until the next business day, which directly contradicts the disclaimer listed on their website. 

By instituting this system, PHH Mortgage is either directly or indirectly steering mortgagees to call into the customer service line, and incur an additional fee to make a payment by phone, or being forced to select a future date to schedule a payment, which could possibly result in a late fee being assessed by PHH Mortgage. 

I would like to note that I did call PHH Mortgage customer service after the online system would not let me select todays date for my payment, and I explained the situation to the representative who handled my call. The reps solution was to take my payment over the phone and waive the pay by phone fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XXXX I noticed a hard credit inquiry from XXXX XXXX XXXX out of California. I have never spoken with or heard of this company, nor have I attempted to get a mortgage. I attempted to email and call multiple times since and have not gotten an email back or even been able to get through on the phone during regular business hours to find out why I have an inquiry from them. 
After these attempts I finally contacted Experian to file a dispute and after doing so they told me to file a report through this agency.

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On XX/XX/21, XXXX XXXX alerted me to a new inquiry on my credit report with XXXX. This Hard Inquiry was from XXXX XXXX with which I have no relationship ( never did ) and I had not authorized this request. I submitted a dispute with XXXX, however they refuse to remove it from my report. Subsequently, I received a letter from XXXX XXXX XXXX XXXX ( attached ) telling me that they have received a request to open an account which XXXX XXXX believes is fraudulent. Therefore, I filed a report with identitytheft.gov which instructed me to request my Credit Report from ChexSytems. This report ( attached ) shows 6 other banks/credit unions which have requested inquiries, NONE of which are from me. These requests have inaccurate phone numbers and SS numbers on most of them. I realized that the problem was much bigger than I thought -- -hence, I am filing this report.

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 2021-12-17 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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