vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have committed several foreign transactions using PayPal Inc : XX/XX/XXXX XXXX  XXXX  billed at {$10.00} XX/XX/XXXX XXXX XXXX billed at {$12.00} PayPay blocked me for using my XXXX XXXX ( XXXX Card ) debit card to make a payment directly in Can $ that would result in {$10.00} and {$11.00} charge to my account. 
Loss of funds : XXXX When I called customer service I was told but I have no choice but follow through this arrangement. 

XX/XX/XXXX PayPal XXXX for XXXX XXXX PayPal blocked my transaction using XXXX card direct pay in XXXX and then automatically converted the transaction into the US {$48.00} instead of {$44.00}. Loss of funds : {$4.00} XX/XX/XXXX I paid an invoice at XXXX XXXX and after selecting the payment option for the British Pounds PP automatically converted the amount of the transaction without my knowledge and consent at the amount of XXXX loss of XXXX I called PP customer service and after being put on hold for approx. 18 min the call was disconnected. When I called a second time the PP manager XXXX ( employee # XXXX ) told me that from about 1 year ago PP instituted a policy of forced currency conversion. I was never informed about this change of policy which is anti-competitive and monopolistic and not in any way I consented to it. 
The overall loss of funds due to this practice is : {$11.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XX/XX/2021 This is fraudulent, I have blocked a similar text a week ago and have also emailed the text to XXXX XXXX text from XXXX the text states : Your On-line has been *Disabld* Proceed Here : http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: AR

Complaint narrative:
I sent LexisNexis a letter asking for their method of verification for the Bankruptcy that they reported to the Credit Bureaus that is listed on my credit reports. I simply want LexisNexis to tell me how they obtained the Bankruptcy information they reported to the Credit Bureaus. I called LexisNexis about a week ago to see what the status was, and they informed me that they had received my letter, and they are waiting for a response from the source they used to obtain the information. LexisNexis received my letter on XX/XX/2021, and all they had to do is tell me where they got the Bankruptcy information from they reported on my Credit Report, which they should already know, it does not take over 30 days to do that! the tracking USPS number that proves LexisNexis received my letter on XXXX is, XXXX. Once again LexisNexis, I'm asking for your method of verification please, how did you obtain the bankruptcy information you reported to my credit reports? 
My drivers license and social security card is attached in the uploads for proof of identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: AZ

Complaint narrative:
I am a XXXX  veteran. I was the victim of a phishing scam and was told to purchase gift cards to prevent thieves from draining my bank account. I was guided to purchase {$3500.00} at XXXX 's and then drive to XXXX 's to purchase another {$3500.00} all on my Chase United Explorer credit card. This is way out of the norm for my spending and Chase never once declined my card especially between the half hour at most between the two stores that evening. They promise that they monitor 24/7 against suspicious transactions or speeding out of the ordinary. This is not a fraud case bc I was present with the EMV chip card. I explained to Chase that I take the blame for the first charge however, I went to the policenand the FBI online and realized that Chase never protected me as their customer by declining the card for the second purchase, or by at least texting me or calling to make sure it was legit. They keep telling since it was a chip card, they basically don't think anything is unusual in spending attar 's anyone. I asked them to review my records and I have never once carried a balance, never incurred a late fee, and all I was asking for was if perhaps they can help me with the charge b/c they never protected me, whereas in the recent past, chase has declined my card at a gas station b/c it was two hours away, or at a grocery store that I have not gone to. But this fateful night, they never thought {$7000.00} was worth a text alert or a hold on the card? I provided the police and FBI reports and they will not admit they did not protect me that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

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 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Collections, Inc.
State: TX

Complaint narrative:
this company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2000.00} with XXXX & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: MD

Complaint narrative:
I received an alert that my credit score had dropped. Apparently dropped 17 points. I went to check my report online ( Experian .com ) and there was a credit card added an XXXX of debt added. 
a ). could not find the added entry compared to XX/XX/XXXX, credit report same number of entries the balances were lower. 
b ). I went onto the chat and inquired why the change and the Experian person said - I need to contact the bank and talk to a credit person. 

Here again, I checked all figures logged back on credit score changed again up 7 pts. 

I have been paying everything down. Last month I even paid off an account. I have not added anything to my credit. Always paying it down. 

Why has my credit score taken a hit for as far as I can see my debts being paid DOWN. 
No new entries? Why?

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 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CO

Complaint narrative:
I refinanced my primary house on XX/XX/XXXX with Home Point Financial, aka Homepoint, who is, and was, the lien holder and one of the nation 's largest mortgage lenders and servicers. The auto draft of the prior existing account drafted on the XXXX for {$1600.00}. I called and asked them to refund my XXXX payment and stop the auto drafts. They issued a refund to the wrong mailing address. The payment was returned to them. I called on XXXX XXXX or XXXX and asked where it was. This is the date I learned of the wrong address situation. After talking with a representative from Homepoint, she said they will put a stop on the check that was previously issued and mail me another one to the correct address. 
I called today, XX/XX/2021, and asked about the status of my refund. The 1st rep. said that it was still being reviewed. I asked why, he said he didn't know, just that it was under review still. I told them that I want to talk to his manager or someone that can find out why. He transferred me to the escalation department. She said that no one has looked at it because of the storm over a week ago. I said that someone needs to get on it and overnight it. She replied, that they do not do that. I expressed my displeasure in how they are handling this and that we are not just talking about {$40.00}, we are talking an entire mortgage payment of {$1600.00} and that it has been 2 months. She assured me that she can do nothing to speed the process up, that they will cancel the check ( which should have already been canceled ) and issue another one. It will get to me when the post office gets to it. I asked again for an overnight or a wire, I was denied again. I asked for her manager, she said she will let him know to call me. 
In a time of Corona Virus, forbearance, loss of jobs and hard times for many many Americans, it is sad and frustrating that big companies like this take advantage of their customers, ignore them and treat them like they don't matter. When people can't even make mortgage payments, this mortgage companies hold mine for over 2 months. Would they give me that long of a grace period?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XXXX I sent regarding the violation of my privacy I noticed on my report. 60 days later I have not received a reply. My rights are being violated by Transunion, XXXX and XXXX. According to 15 US Code 1681 Section ( a ) ( 4 ). This is a violation of my privacy.

I never gave either of the previous mentioned companies the right to report any of the information attached in the documents.

I demand all accounts be deleted off my account, or i will seek litigation due the stress that this has caused me.

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 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
LoanDepot never honored the rate that my agent from XXXX XXXX  XXXX, Florida branch promised on writing to match the rate 2.875 % from a competitor : XXXX 

The agent agreed the rate with me by email [ Fri, XX/XX/XXXX, XXXX XXXX  ], I cancelled all my negotiation with XXXX and then LoanDepot sneakily sent all the documents to be signed with a higher rate : 2.99 % [ Mon, XX/XX/XXXX at XXXX XXXX ]. 

They kept procrastinating the answer to my complaint during weeks, pushing me to sign 2.99 % disclosures. They intentionally waited until the last minute when I was under pressure to sign or lose the loan and the house. 

I ended up paying one point $ XXXX to lower my rate, and it was deducted from 2.99 %, so the promised rate was never honored. This all happened after several back and forwards and dealing with management. 

I received from threatening to embarrassing communications from LoanDepot 's team, even an email was sent to third parties, to my realtor and to the title company : " this borrower has refused to sign the initial disclosures sent and is questioning every aspect of the process '' [ Fri, XX/XX/XXXX, XXXX XXXX ] And talked about " miss trust '', " haggling '' and threatened not to end up well : " This back and forth haggling and mistrust will not end in a positive or successful transaction. I guarantee it. " [ Thu, XX/XX/XXXX at XXXX XXXX ] LoanDepot should seriously review their unethical behavior, all described here shows no sign of respect for clients, even if you contacting Managers and Customers Service. Poor reviews from clients online are equivalent to the poor opening in shares, after the first day of trading in the stock market this XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I requested a transfer of funds from XXXX XXXX to Wells Fargo in an amount of {$1500.00} dollars for living expenses. One business day later I called Wells Fargo to cancel their receipt of funds due to a miscalculation. I spoke with XXXX to return the funds back to my account in an amount of {$1500.00} dollars. XXXX refuses to do stating that the they never received the funds. I called Wells Fargo 5 times today to complain about the funds not being received. I was told that they are not able to return the transaction since it never came to them. I spoken with banks for total of 10 times to no avail. I need assistance as it seems that my funds has suddenly disappeared and neither side wants to take responsibility. Can someone call me at 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 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS refuse to help They just want my home Today I was on the phone with SLS for 2 hour SLS customer service was sleepy didnt know anything about SLS Keep putting us on hold to he research Didnt know about loan processing we had to drag the word out of her mouth Its a shame I am a military parent Have a XXXX husband And there is no help And government allow this crocks thief to continue ripoff people Fraudulently take peoples hom They refuse to stop the XX/XX/21 Forecllousuer Refuse to do anything Just send me off goose chase So XXXX XXXX sell my home SLS allorney put a note on my account not to help

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 2021-03-02 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I already reached out to the credit bureaus and to NAVY FEDERAL CR UNION, and notify them of their error posting of information on my report. I requested an investigation and the removal of the erroneous information. No changes were made. I informed them that this company was violating the Fair Credit Billing Act by illegally adding fees and yet they did nothing to correct the matter. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report. // NAVY FEDERAL CR UNION XXXX Date opened XX/XX/2015 Balance {$26000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I paid off my mortgage XX/XX/XXXX. It's over 5 months later and the mortgage company has not released the lien yet. I started contacting them in XXXX of XXXX. I have been back and forth on the phone and through e-mail and the furthest I get is that they'll say they are putting in a request to get it done. Also their automated phone system is tricky. To get to the main menu and request talking to a representative, you must choose go to their 1098 menu after listing to 10 minutes of other information. I told a representative about the phone menu and they said they knew about it. The phone menu has not been fixed.

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 2021-03-02 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America let someone from XXXX XXXXXX/XX/XXXXopen up a fraudulent credt card number # XXXX in my name and steal {$11.00}, XXXX dollars off the card and now taking me to court for a civil summons lawsuit. I am a victim of credit card fraud and identity theft from the XX/XX/XXXX data breach. I have sent them police reports of the incident. Please I need help IDID NOT OPEN ANY ACCOUNT WITH THEM.

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : 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 explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc.
State: AZ

Complaint narrative:
I cant access my cash app account cause my number on the account is no longer in service on my account i had got my phone and my prepaid cash app card stolen from me and I had a balance of {$1800.00} in my account that i cant access cause my phone being stolen and card as well and i cant get threw to anyone to help me they sent me specialists about like 4 of 5 them dont do nothing I'm still waitjng for a respond from them all i am asking if they can help cancel the card on my account and dispute all charges thats werent by me and get a new a card sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My husband and I applied in XXXX, XXXX to Wells Fargo Home Mortgage to refinance on the existing mortgage on our residence. We are currently paying 4.875 % on the existing mortgage and would be refinancing to a lower rate of 3.00 %. As my husband is self-employed and we owe 2 rental properties in New Jersey, we have had to provide XXXX and XXXX income tax returns for both businesses, as well as our personal income tax returns. We have also had to provide paystubs, bank statements, and profit & loss statements as of XX/XX/XXXX for both businesses, as well as balance sheets as of XX/XX/XXXX. All of the above items were provided in XXXX, XXXX. As of yesterday, XX/XX/XXXX, I spoke with the loan processor who advised that there was only one item needed to move our mortgage application to conditional approval. We are more than qualified for this mortgage refinance. The mortgage refinance would lower our existing mortgage payment every month by approximately {$300.00} to {$400.00}. 

Today, when I logged onto Wells Fargo 's online Loan Tracker, I was asked to provided 14 additional documents. I e-mailed and called the loan processor and left a voicemail message. 

My husband and I feel that Wells Fargo is going to continue to ask us to provide additional information in the hopes that we will just give up with this mortgage refinance application.

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 2021-03-02 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Performant Financial Corporation
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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