vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: AL

Complaint narrative:
On XX/XX/2020 I placed an order from the website XXXX XXXX XXXX XXXX in the amount of {$280.00}. I was led to BELIVE that the website was official and I was wrong. After a week I sent them an email about my order and about how I hadnt received a tracking number or invoice number just an order number that I couldnt even use. I was sent a response that it would take 3 weeks to make the order and another week for shipping. After about two weeks I attempted to contact the company XXXX XXXX XXXX XXXX and there website had been deactivated. At that time I contacted my XXXX XXXX  card ( my unemployment benefit card ) to file a dispute about this scam and retrieve my money back around mid XXXX. I filled about the paperwork twice sent one through mail and one through fax. When I called the card for an update about this around the first of XXXX they told me it was denied because they never received paperwork for my dispute claim. I was told that I would have to reopen my claim and submit paperwork again. So I did so via fax again because with the pandemic I figured it was lost in the mail. After faxing off the paperwork needed I called the next week around XX/XX/XXXX for an update mind you every time I call Im usually on hold for 2 or more hours before I can speak with a representative. When I did speak with someone the told me that my claim was still in denial status and needed to be escalated. I have tried to hard to request call backs for supervisors and administrators about this issues and they seem to never be available. After failing to be granted access to speak with a supervisor I was ultimately told to just keep calling back because after it is escalated there is no real time frame for them to investigate the claim. So I called XXXX XXXX all with no updates on my claim. I called again for the last time XX/XX/XXXX and they finally updated me that my claim was denied again for not receiving paperwork. At this point its ridiculous and very frustrating that the same card company that is supposed to protect my money wont. I have included several screenshot of the website and its fraudulent messages complaints from the XXXX  they ( XXXX  ) have been scamming people out of there money and I just wish I would have done my own research before even playing an order Im asking as a single self employed mother of 3 I have been fighting for over 6months with XXXX  XXXX card for a refund of my money. I have provided every bit of information that I have and could find to support and prove that this company the XXXX is a scam company. Please help me get my money back. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX  XXXX tradeline was deleted from 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
Consumer complaint received 2020-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I paid my loan in full via cashier 's check on XX/XX/XXXX. 
On XX/XX/XXXX I called the company to make sure the payment had been received. I was assured that it had been received and posted to my account. On my request, the XXXX said I would receive an email notification within 24 hours stating that my loan had been paid in full. 
48 hours later ( XX/XX/XXXX ), I called again to ask the status of said email notification as I had yet to receive it. At that time I was informed that even though the payment had been applied to my account and that the account had been closed due to receipt of payment, I would have to wait 10 days from the receipt of payment to verify my funds and it would be an additional 24 - 48 hours after that time before I would receive written confirmation of receipt of funds and closure of my account. 
At that time he CSR assured me that she would put in an expedited request as the receipt of confirmation of account payment and closure is holding up a property closing on my end. 
On Tuesday, XX/XX/XXXX, I called again to ask if my request had been expedited. At that time I was told that it would not be expedited. I requested to speak to a manager, and was told no one in management was available to speak to me. I was also informed that it would take 3-5 daysfrom the time of my request for payoff confirmation before I could expect an email. I pointed out that it had already been seven days ( XXXX ). After I pointed this out, the CSR told me I could expect an email by Friday, XX/XX/XXXX. 

My frustrations : 1 ) Incomplete and varying information about processes and time frames. Every time I call I get a different answer tomyrequests and questions! This does not foster any trust that this company is giving truthful, consistent information. 

2 ) Lack of availability to someone other than a CSR. I am being told by the CSRs that " their manager '' or " the back office '' can not ( will not ) talk to me to elucidate your policies. 

3 ) I paid with a CASHIER 'S CHECK. This is as good as cash! This situation is akin to me giving them {$13000.00} in CASHand being told I can not have a receipt for my money! When I asked for a simple letter ( typed by anyone ) stating that the funds had been received and that the account was closed, I was told thatthat was not an option. (??? ) Bottom line, I have paid my debt in full, and LendingClub is refusing to show receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/20 I received an email stating results from a recent complaint had been responded to, however prior to that I received an update about my experian account regarding an open investigation ( my complaint made through CFPB ). Experian reflected 3 accounts that were apart of the 10 accounts disputed had been deleted from my file. Experian STILL has not rectified their blatant disrespect to me nor violations of the FCRA. What is it going to take to get the remaining 5 accounts removed? The proof has been sent repeatedly but experian either sends me stall tactic responses or in this case only addresses part of the situation.

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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureau is reporting this bankruptcy passed the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I withdrew money from my retirement account with XXXX XXXX. I was issued a check on XX/XX/XXXX, it was received signed and mailed to my bank XXXX XXXX XXXX XXXX  ( not located in my state ). Placed in the mail on XX/XX/XXXX in a priority mail envelope. XXXX made aware check was not received by my bank abd iwas told it was cashed. Check was stolen in the mail. USPS police notified. XXXX then sent copy of check to me and affidavit of forgery was filed. From thence i was told it could take up to 120 days to hear from Wells Fargo. I followed up with XXXX every one to two weeks and informed that " Wells Fargo has not responded ''. I called today XX/XX/XXXX to find out the status and was told that as of XX/XX/XXXX Wells Fargo denied the claim because the check was endorsed by me originally. I was never notified by XXXX. I was given the phone # to Wells Fargo Fraud dept. XXXX. I was told Wells Fargo was unable to help me because I do not have an account with them, however they did inform me that this was not handled properly and that XXXX should re-file because it is illegal to cash a dually endorsed check. Can you please help me with this process.

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 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NY

Complaint narrative:
In XXXX, I bought a property. Due to financial hardships and lack of support and guidance, I could not pay the mortgage that I secured. I tried many options to try to attempt negotiations with the mortgagor to no avail. The company filed for bankrupcy. I hired an attorney to halt the foreclosure. In XX/XX/XXXX, I met someone who said that he would negotiate with the bank on my behalf. He made us sign over the deed to him for {$10000.00} each in good faith until he negotiates with the bank. He made us sign a slew of papers transfering the deed to him in order for him to negotiate on our behalf. He never made such negotiations. He instead kept the deed, registered the property and filed for bankruptcy. He registered the deed of the property under an LLC and then filed bankruptcy. The deed is in his name while the mortgage remained on my name. I never sold him the property. He specifically told me that he would be negotiating with the bank on my behalf. I need help in investigating who willfully stole the deed, filed for bankruptcy and left me with a hefty {$720000.00} mortgage while he retains the deed. I have tried many options. It is an abyss. I can not afford the mortgage.Jacquelin travels in and out of the country and is very difficult for him to send the slew of documents they ask. I don't think he wants to keep the property either. These fraudsters have a team of well connected lawyers who negotiate on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureau is reporting this bankruptcy passed the statute of limitations.

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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureau is reporting this bankruptcy passed the statute of limitations.

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 2020-12-08 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-12-08 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
We bought a ticket on XXXX on XXXX XXXX from XXXX  to XXXX on XXXX, XXXX, XXXX paid by Barclay credit card.The ticket was booked on XXXX XXXX, dates XXXX, XXXX XXXX, XXXX. This flight was cancelled due to Covid19 back in XXXX. For some unknown reason XXXX/XXXX  divided this round trip ticket into two separate one way tickets ( {$550.00} and {$480.00} ). We were told by XXXX on multiple occasions that we would get a full refund but we did not receive anything so far. Finally we filed a dispute request on XXXX, XXXX with Barclay CC by which we paid for the ticket. They issued a temporary refund but it was reversed later on. 
I filed a complaint to CFPB on XXXX, XXXX, XXXX # XXXX. We were contacted by Barclay but Barclay did not address the essence of our complaint, namely, that the merchant did not provide service or product we fully paid for and, therefore, did not resolve the issue. 
Meanwhile, we recently contacted XXXX once again and were told that the merchant, XXXX airlines, actually refunded the ticket directly to Barclay credit card on XXXX, XXXX, XXXX. They provided us with the authorization transaction codes : For {$550.00} - auth code XXXX and for $ XXXX auth code- XXXX. 
However, there is no deposit on my Barclay account as of XXXX, XXXX, XXXX and when I called Barclay they had no idea what is going on. Please help to resolve this issue, it is going for too long, since XXXX, XXXX. 
Regards, XXXX XXXX, 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 explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management
State: CA

Complaint narrative:
I settled an account an with XXXX XXXX, and made the payment to XXXX XXXX because they own the debt but they are not reporting the account to the credit bureaus. The company that is reporting to the credit companies is Plaza Services. Plaza Services is violating my right to have fair and accurate credit information reported. Plaza Services does not have the right to report on debt they do not own. That leaves me and any one else susceptible to fraud if companies that don't own debts report on them. Also, by doing this they keep the debt reported on the credit for longer than the statue of limitations allowed. Plaza Services is inaccurately reporting that the debt has a balance and the account is open when it is not, I called and they don't own the debt they sold it to XXXX XXXX. The account was settled and there is a XXXX  balance on the account. Plaza Services refuse to report accurate information and refuse to delete the debt. The account must be deleted from my credit report. When I settled the debt it was paid to XXXX XXXX not Plaza Services.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX This account was opened XX/XX/2019 and removed from my credit files XX/XX/2019. I have not had any issues with XXXX  or XXXX. XXXX XXXX XXXX reinserted this account back to my Experian credit file without verifying that I owe anything. Neither XXXX XXXX XXXX nor Experian have provided documents proving I granted XXXX XXXX XXXX permission to post to my credit profile. Experian did not offer any explanation of how XXXX XXXX XXXX was verified. 
XXXX XXXX XXXX continuously violates 15 USC sections 1692 A E and Experian allows it. XXXX XXXX XXXX refuses to provide contracts with my signature proving I agreed to do business with XXXX XXXX XXXX. It is unfair as a consumer that I have to endure unfair credit reporting practices from XXXX XXXX XXXX and Experian. This account was charged off 7 times. 
Experian has continued to ignore my requests to remove this account and stated in writing that unless I send in relevant information they will not investigate my dispute yet Experian has not shared information with me on how XXXX XXXX XXXX was able to prove I owe anything. I feel helpless because these companies are allowed to treat us however they want and are allowed to get away with it. 
I even read in the Fair Credit Reporting Acts that once an account is removed it can not be reinserted to a consumers credit profile. How are these companies allowed to get away with this?

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 2020-12-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
1. Recently I tried to ascertain the payoff balance of my mortgage. I requested both the amount needed if I refinanced or just paid off the loan. ( the possibility of sale of property was not included nor needed ). And I requested a copy of what they say my mortgage says.

2. They contacted an appraiser who never came and stated that my mortgage payoff balance would include any growth in value just as if I were selling it. No where on my mortgage does it indicate that.

3. There have been several attempts by myself through the CFPB to resolve the issues with the principal balance and they have still not been resolved. 
- The company did a review and did show credits reversing many ( but not all ) of the illegal fees I had been assessed during the life of the mortgage. Those fees should go back to approximately XXXX when I paid extra to the principal and it was misapplied and showed me in arears. Also, I tried to work on a payment plan to catch up the payment they said was late and that extra money just disappeared. 
Where the company did show that it was reversing those charges, the actual credits did not show up anywhere on the account. They did not lower the principal balance nor do they show up crediting any other portion of the account.

-There are 4 mentions of Share Waive Adjustments. At the time those started showing the principal balance was listed as XXXX. 
The only one to actual credit to the account was the XXXX. 
There is another listing of XXXX right after that but does nothing to the balance. 
There are three ( 3 ) more listed on XX/XX/XXXX, XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX that show they are supposed to be credited to the account principal but are not. 
The information provided to me for tax purposes and on the mortgage are twice the amount of XXXX. 
4. When they have made corrections to the account they do not go back and readjust the principal and interest calculations. They are still charging me interest on a higher amount than I owe.

Company response to consumer: Closed with explanation