vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I was scammed by a pet scammer of {$900.00} 2 weeks ago via zelle. the website that i had found them on was XXXX XXXX XXXX. the information on the website seemed legitimate and they claimed to be a family etc. They even offered for me to pick up the puppy in person. even though im usually very skeptical, i started to feel a bit more at ease because they gave me the option to see the puppy first. 

To keep a long story short, the scammer contacted me via email and text -- we conversed for a while regarding the puppy over text until i came to the decision that i would go through with the purchase. the scammer suggested XXXX XXXX  or zelle for payment method. Initially, he said that I would only have to pay half and the rest once I receive the pupppy. I already had XXXX XXXX  and wanted to move forward with that and the person tried to push zelle because it was " faster ''. I proceeded to process through XXXX XXXX  saying that i didnt want to set up zelle if i already had one of the payment options set up. The payment was pending because it was coming out of my bank and the person notified me that he was unable to send the medical documents of the dog or " transfer of ownership '' until he received the first payment. the dog was a gift for my my mom because of recent XXXX that she has been going through due to the death of her 2 best friends. 

i ended up using zelle from my bank. of course, i trusted the person to keep to his word of refunding the XXXX payment if the zelle went through, but in the end, he did not refund either payment. i contacted my bank and they were able to refund me my XXXX XXXX  payment, however was unable to do so for zelle. at this point in time, i have contacted zelle via telephone 6 times and emailed them 4 times, submitted a scam claim through them as well as on a federal website. 

zelle confirmation number : XXXX, ID # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
My mortgage with XXXX XXXX was sold to SunTrust in XXXX. We received a letter from XXXX  in early XXXX that we should get a letter from Suntrust at least two weeks prior to our next payment on XX/XX/XXXX. We called suntrust the last week in XXXX to get our account information so we could make the XXXX payment. We were told we would get the account transfer letter by XX/XX/XXXX. We have not received the letter but today ( XX/XX/XXXX ) we got an email from Suntrust stating our payment is overdue and we will be charged a late fee if not paid by XX/XX/XXXX. I am currently on hold with SunTrust ( approximately an hour and a half ) with no response and no way to resolve the payment issue until we get an account number for the new mortgage..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CA

Complaint narrative:
Banking while XXXX went to the counter to do a transaction bank tell was making false Statements that would regard as being XXXX Asking XXXX questions this happenedXX/XX/XXXX very XXXX experience I felt like a criminal and Im no a criminal.

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 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank is constantly charging me late fees for payments that have been sent well before the due date. The last check sent was dated XX/XX/2021. The due date was XX/XX/2021. They claim they didn't receive the check until XXXX XXXX. I called them and inform them when the check was dated and advised them that this was becoming a constant practice with them unjustly enriching themselves at my expense. They refused to take the fee off stating that they have already allowed me credit for one fee. 

The problem with that explanation is that they have charge me numerous late fees for the last four or five months. I advised them that there is no need for me to continue sending payments to then when, instead of deducting from my account they are taking my payments and adding late fees, blaming the post office, telling me to send payment in earlier. Unfortunately, I can not prove that they are deliberately holding my checks for the sole purpose of profit.. 

I send all credit card payments out at the same time and all the checks are cashed within the due date.except Citibank. I don't know why they are exploiting me except for the fact that I have closed my account with them after 28 years of excellent credit. I'm at at lost of what to do since I can not continue to make payments to Citibank without being properly credited. If necessary I can dig out the statements from the previous months to support my complaint. 

Thanking you in advance for your courtesy.

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 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On or about XX/XX/2021, I met with a banker to make changes to my checking account. Specifically to add and remove a signer. No changes to the account type were discussed nor authorized. 
Approximately 60 days later ; XX/XX/2021 I received new disclosures indicating my account type was changed to one with additional fees. Previously, my account had no fees associated with it. 
I have attempted to contact the bank for resolution, unfortunately, I was transferred multiple times as the phone representatives were unable to assist. 

My complaint is that the bank ; Wells Fargo did knowingly change my account without permission to a type that incurs more fees/revenue from one that does 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 2021-08-09 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: OR

Complaint narrative:
I am trying to work on my credit score. I sent multiple letter to XXXX stating I only have one name, live at one address and who my employer is. They have not updated their historical information on my profile. If I send you a letter stating what is accurate and what is out of date why would they not fix these things. I have even called over the phone to try and get them to delete names, addresses and employers that are not attached to me. I want my personal information to be reflected correctly. Not only have I been sending letters regarding my personal information I have been disputing some accounts on my report. I have not been late on my payments and if I was considered late I have not been notified. XXXX is supposed to validate their information on me and I have not seen any letter validating i was late for XXXX XXXX or XXXX. There are also unauthorized inquiries on my report that are not validated. I have asked that these inquiries be deleted as well. It has been more than 45 days since I sent my letters. I would think a No response and no verification on information allows for my accounts to be updated to reflect positive or be deleted.

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 2021-08-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am a member of the class summarized in this formal complaint to PayPal Credit : XXXX XXXX XXXX PayPal credit opened a credit line with Synchrony Bank without my consent or authorization. A current balance with PayPal was then applied to the Synchrony credit line without my knowing, which incurred monthly late charges. These series of late charges from this rogue account brought my near perfect credit score of 840+ down almost two hundred points in a matter of weeks! 

I was finally able to get the fees dropped and the credit line closed, but the delinquent remarks remained on my credit report. I was told by a PayPal Credit employee that a letter would be sent out to request the delinquent remarks be removed, but almost a year later, the remarks are still there. This is blocking a current home mortgage application for me and my wife to be. PayPal Credit 's negligence is jeopardizing my housing situation and future, and I can't even get a representative to help me. We can only see the derogatory marks on credit reports and do not even have the account numbers or any information about the account. Every time we try to call we get sent back and forth between PayPal and PayPal Credit with XXXX resolution.

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 2021-08-09 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: GA

Complaint narrative:
I recently noticed inaccurate date reported to my credit profile with Creditor XXXX XXXX. Ive disputed this account with all 3 creditors. XXXX  noticed the inaccuracies and deleted this account off my credit. I am asking of the CFBP to demand that both bureaus ( Experian and XXXX ) do the same and acknowledge these inaccuracies as XXXX did and delete this account off of my Profile.

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 2021-08-09 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: GA

Complaint narrative:
During my own investigation creditor XXXX XXXX has reported inaccuracies throughout my credit, bureaus both XXXX  and XXXX have done their investigation and came across these inaccuracies as well and deleted this credit from their companys. I have requesting Bureau Transunion do the same.

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 2021-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I applied for a mortgage loan with Chase on ___XX/XX/XXXX____. XXXX XXXX was assigned as my loan officer. As a first time buyer I had LOTS of questions. I was very transparent about my jobs ( 1 full time during the school year, and a full and part time during the summer 3 jobs total. ) I made it very clear that my school year job was the job that Ive been with the longest and the other 2 I just started this summer. Per XXXX, this was fine and would be counted/weighed in the decision. It was later told to me ( after getting an accepted offer ) that only my school year job could be counted. 

This is just one of many instances of misinformation that has taken place. 

1. Incorrect info on which jobs can be counted 2. Incorrect info on FHA guidelines for bankruptcy dismissal 3. Requesting documents from my realtor pushing her to add wrong information ( i.e. offer to purchase was initialed because my offer was countered. They kept insisting that the sellers need to fully sign. This is incorrect ) 4. My realtor emailed XXXX the XXXX receipt on XXXX to which XXXX responded that she would upload that document. I had to resend and eventually upload it myself. 
5. On XXXX my realtor sent the accepted offer with all appropriate documents in one PDF in order ( counters included ) she also included an overview of the offer. XXXX continuously gave wrong information about the offer ( purchase price etc. ) even after my realtor referred her to the counters, which overrides the offer. 
6. Verbally ( and in email ) denied me due to a bankruptcy dismissal- then sent a denial saying it was due to insufficient funds - however I have provided them with proof of funds needed to close. 
7. Closing disclosure showed that I needed XXXX to close, but this amount is incorrect due to the XXXX grant they said they were giving me. They were called out on this but had no answers 8. XXXX moved numbers around to make it seem like I had XXXX in my account I have never made any claims of having that much saved. 
9. I reached out in regards to my good faith deposit asking when will I receive my refund back. Nobody responded to my email or reached out in regards to the situation. 

10. Escalation team, managers and supervisors were all reached out in regards to this matter but no one helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Cross country mortgage made significant errors in calculating our escrow payments during our refinance resulting in a current escrow shortage. The loan was closed in XX/XX/2020 and already in XX/XX/2020 the loan had a negative escrow by thousands of dollars. This alone appears to demonstrate negligence/recklessness in the calculation of the escrow amount. Our current mortgage payment increased {$500.00} as a result of their incorrect calculations. Cross country mortgage underwrote the loan. Cross country mortgage determined the monthly escrow amount. Cross country mortgage was competing with another lender and lowered our monthly mortgage payment in order to receive our business. The annual taxes have not changed. We received a letter informing us that our prior mortgage payment was short and that the current the mortgage payment increased {$500.00}. I called and spoke with someone at cross country mortgage and was told that when the loan was created {$2900.00} should have been collected at closing instead instead only {$1700.00} was collected. The agent informed me that the escrow payment went up by {$500.00} to cover the shortage which caused the mortgage payment to increase. The escrow shortage has now increased our mortgage payment significantly. Cross country mortgage told us that we had to contact the agent who created the loan. Even though he also works for cross country mortgage. I called the agent and he told me that he did not have access to the current escrow account. 

We have attached emails showing the closing costs and discussion around the escrow. We have also attached our most recent mortgage payment showing the increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Text Message XXXX ( XXXX ) XXXX " Chase Online : Report XXXX ( XXXX XXXX ) ( XXXX ) Your Online Banking has been temporarily restricted. Please visit XXXX XXXX  XXXX to verify your account. 

I don't have a Chase account. I deleted this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Kriya Capital, LLC
State: GA

Complaint narrative:
I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT AND AS A RESULT OF THAT SEVERAL ACCOUNT WERE REPORTED IN MY CREDIT REPORT THAT ARE NOT MINE CALVARY SPV ILLCC # ( CASE XXXX ) ACCOUNT NUMBER # XXXX, XXXX XXXX XXXX THESE ACCOUNT ARE FRAUDELENT AND NOT MINE I HAD REPORTED THESE ACCOUNT TO XXXX IN 2019 OF THE ILLEGALITY OF THESE ACOOUNT AND NOW THEY HAVE SOLD THE ACCOUNT TOA COLLECTION AGENCY CALVARY SPV I LLC AND ATTORNEYS XXXX XXXX XXXX XXXX TAKING ACTION OF SUING ME FOR A FRAUDELENT ACCOUNT WICH IS NOT MINE

Company response to consumer: Closed with explanation