vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear sir/ madam I would like to pursue my complaint number XXXX-XXXXfor which XXXX has acknowledged that the deferred principal balance should be waived at the time of loan 's maturity. As XXXX has sold the loan and servicing was transferred to SPS XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX-XXXX. 
I have contacted SPS through my attorney with a request to update my records to reflect that deferred principal balance will be waived. I have also attached the supporting documents from XXXX and the response letter from XXXX to complaint numberXXXX-XXXX, but SPS has refused to acknowledge and rejected a {$100000.00} waiver. 
It will be highly appreciated if you can please ask SPS to correct their records as per XXXX 's approval and also contact XXXX to instruct SPS to honor their loan modification offered to me before selling my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
PayPal has ruined my finances. For 6 months this year, it has horror after horror. Everything is automated to cut cost and their algorithm is broken to the point where I had to give up. 

I had to apply my ID 4-5 times. The SAME XXXX  ID card. 

I sold a few items on XXXX  and they demanded to see my suppliers invoice. I XXXX XXXX XXXX XXXX fXXXX XXXX XXXX!!!!! 

They protect fraud buyers who say they never received item when they received it. 

They never tried to listen to my attempts to rectify the situation. 

Prior to the pandemic, they barely provided any help besides their empty faux apologies. Since the pandemic, it's been a joke. They literally took the pandemic as an opportunity to not provide service of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I'm writing on behalf of my friend she has a checking account with Wells Fargo and Wells Fargo received her deposit on XX/XX/2020 and conveniently wells Fargo deny any deposit was made and all the information the irs.gov has was current and updated and accurate. she only has a checking account. and they refuse to tell her if a pending deposit was made or in holding of XXXX better known as the economic impact corona virus stimulus money given by our government in order to stimulate the economy and to provide some help during this difficult time. However the only entity its stimulating is their greedy pockets and some thing needs to be done about it. On there recorded line they advise not to ask about and on there website they say don'task tellers any questions regarding pandemic money because they don't know anything and we don't have access to that information she's not even allowed to ask them what happened to the money because now they can't tell her anything about her deposit history. this is really bad and something needs to be done about it fast.

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 2020-06-15 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Upon receiving my credit report it shows XXXX XXXX did a hard inquiry on XX/XX/2019. I have never spoke to this entity or authorized any third party to consent to a credit check. My credit file at this time had a fraud alert and clearly has a notation I must be called to do a credit check. Per TILA the consumer must know what the loan details are prior to credit being obtained. At no point did I speak to anyone from this entity.

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 2020-06-15 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
On XX/XX/2022 Brclysbankde made an inquiry with my XXXX  credit report. I did not recognize the inquiry. Infact I was not even familiar with this particular financial institution. Therefore I am hereby writing to have this inquiry and all account with Brclysbankde removed.

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 2020-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Credit Collections Association is trying to collect {$150.00} dollars from a XXXX account that is not mine. I have sent three letters explaining to this company that this account is not mine and doesnt belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUnion is reporting a missed payment for XXXX XXXX in XX/XX/2018. I did not have and account with XXXX XXXX in XX/XX/2018. Therefore I could not have missed a payment with a company that I did not have and account with in XX/XX/2018.

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 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
Reveiwed my credit report and identified a collections from a debt collector for a medical debt which I did not recognize. Investigated my medical claims based on date of service information noted and found that this collection is not mine. Debt collector has reporting derogatory information since XXXX 2018 on an accout that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: MA

Complaint narrative:
TransUnion is reporting a missed payment for XXXX XXXX in XX/XX/2018. I did not have and account with XXXX XXXX in XX/XX/2018. Therefore I could not have missed a payment with a company that I did not have and account with in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: MA

Complaint narrative:
TransUnion is reporting a missed payment for XXXX XXXX in XX/XX/2018. I did not have and account with XXXX XXXX in XX/XX/2018. Therefore I could not have missed a payment with a company that I did not have and account with in XX/XX/2018.

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 2020-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: TN

Complaint narrative:
Payments are not being added to my account in a timely manner. Also, checks are being shown as being deposited via the bank but not on the account. This has been going on for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: SC

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My username and password with my bank has been changed. Now I'm being told XXXX  can no longer access my bank account for transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: WI

Complaint narrative:
Received calls from Americollect approximately 3 months ago. Would get at least 1 call a week. When I spoke with them they initially were trying to collect a debt my wife owed. My wife then setup a payment plan with them for her debt. Days later they kept calling me. When I informed them this was not my debt and that a payment plan was setup for my wife they stated they would remove my number from the file. This happen theee more times. All times they stated they would remove me number. They then called my employer in an attempt to locate me. When I called back they informed me I had 3 open accounts with them totaling just over {$2700.00} dollars. I asked who the original debts were for. They told me that one was for a medical place. Did not tell me if all were for medical places and did not tell me the amount. I informed them I never received any information in the mail regarding this debt and just 2 days prior when I asked if I did owe anything I was told no. The phone calls then stopped for a month. They are now reporting this debt on my credit. I still have not received any information in writing about this debt. The amount and who the original debt is owed to I only know because I had to look up my own credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: NY

Complaint narrative:
XXXX XXXX Social security : XXXX D.o.b XX/XX/XXXX Address : XXXX XXXX XXXX XXXX A XXXX XXXX NY XXXX This document is for fraudulent accounts opened in my name, the account Im Disputing is XXXX XXXX OPENED XX/XX/XXXX with a balance of XXXX, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX   data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or 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 2020-06-15 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: NY

Complaint narrative:
XXXX XXXX Social security : XXXX D.o.b XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX This document is for fraudulent accounts opened in my name, the account Im Disputing is XXXX XXXX OPENED XX/XX/XXXX with a balance of XXXX, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: NY

Complaint narrative:
XXXX XXXX Social security : XXXX D.o.b XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX This document is for fraudulent accounts opened in my name, the account Im Disputing is XXXX XXXX  OPENED XX/XX/XXXX with a balance of XXXX, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or 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 2020-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I purchased a new Hyundai XXXX in XXXX. My regular payment amount is {$540.00}. On XX/XX/2020, I paid {$540.00} which was correctly applied {$500.00} to the principle and {$42.00} to interest. I paid {$600.00} on XX/XX/2020. Only {$55.00} was applied to the principle when and none to any interests while the vast majority should be applied to the principle. On XX/XX/2020 I made a payment of {$700.00}. None was applied to the account. On XX/XX/2020, I made a payment of {$700.00}. None was applied to the account. On the payment history, all of these transactions are there. I called in XXXX and XXXX to ask about my payments, which I was told was applied correctly. I received a call from the Hyundai financial collections department on XX/XX/2020. I was told I owed {$1000.00}. The caller did not identify themselves. I called the 1-800 number on for Hyundai Financial and was told that I owed the above sum despite that my XXXX, XXXX and XXXX payments where not applied correctly, despite 2 previous phone calls. I was told that since I put in the payment information, It was my fault and that the department was closed.

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 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Need to verify my bank account information and cant do it electronically

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA IS IN VIOLATION OF LAW. USAA APPLIED ( 0 ) zero NO TEMPORARY USAA CREDITS TO MAKE  PERMANET. See attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIN DATE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS {$470.00} CLAIMING TEMPORARY CREDITS MADE PERMANET. ( I have complained for XXXX XXXX years NO CREDITS WERE PROVIDED. ) See attatched USAA REVIEW OF YOUR CLAIM COMPLETE XX/XX/XXXX XXXX NO FRAUDULENT ACTIVITY FOUND. 
USAA STILL HAS NOT PROVIDED THESE PERMANET CREDITS. Per statutes Fraud BY LAW MUST BE RESOVED IN ( 2 ) Two Billing Periods. THE LAW IS VERY CLEAR. USAA IS IN VIOLATION OF FAIR CREDIT ACT LAWS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I'm trying to link my bank account with PNC on XXXX but PNC Doesn't allow this. It should be my choice who I link my account with not the banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TN

Complaint narrative:
On XX/XX/2019 I opened a business checking account online with iberiabank in respond to their promotion offer XXXX. The term states, earn a {$200.00} business checking cash bonus when opening a new business checking and make 15 client-initiated debit transactions ( use your debit card, write a check, or use Online Banking with XXXX XXXX  ) within the first 90 calendar days of account opening. I have satisfied the term requirements within the 90days, but never received the {$200.00} bonus. I contacted their customer service mutiple times in XXXX to inquire about the status and they kept delaying giving me the answer until 2 weeks later. They denied my bonus saying i did not make enough debit transactions, which was totally false. I had more than 15 debit transactions. When i pressed on they then claimed that some of my debit transactions were through XXXX app and XXXX app transactions didn't qualify. But the problem is that this info was not disclosed in their promotion term ( please see attached their term sheet ). If they didn't disclose or specify, how in the world could i know what debit transactions were excluded? I have followed and met their term exactly, but they did not!

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 2020-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have sent several letters over several months that all 3 credit bureaus have been reporting incorrect information. in addition, i have asked them all for supporting documentation that asks how these accounts were verified and whom they spoke with. i also have asked them to show supporting documentation that proves that i have a binding agreement with these account holders and they have failed to do so. i believe that they do not want to delete these accounts because they will lose money.

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 2020-06-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have sent several letters over several months that all 3 credit bureaus have been reporting incorrect information. in addition, i have asked them all for supporting documentation that asks how these accounts were verified and whom they spoke with. i also have asked them to show supporting documentation that proves that i have a binding agreement with these account holders and they have failed to do so. i believe that they do not want to delete these accounts because they will lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA XX/XX/2019 STATEMENT ( OTHER CREDITS {$2.00}, XXXX ) Summary Account Activity KINDLY NOTE TOTAL CREDITS ( APPLIED ONLY {$910.00}. ) USAA REVERSED {$2.00}, XXXX as ** New Purchases I did Not Authorize and that ARE NOT NEW PURCHASES. NOT TRUTH LENDING. USAA DID NOT APPLY TEMPORARY CREDITS ( USAA REVERSED ONLY CREDITS APPLIED WHICH ARE MERCHANTS CREDITS ) XXXX XXXX CREDITS REVERSED XX/XX/XXXX *NO USAA TEMPORARY PURCHASE ADJUSTMENTS EVER APPLIED AND WHAT DID APPLY FROM MERCHANTS WAS REVERSED. KINDLY NOTE Summary of Account CLAIMS {$2.00}, XXXX NEW PURCHASES I DID NOT PURCHASE OR AUTHORIZE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation