vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I previously filed a dispute with XXXX regarding the American Express Account XXXX negatively reporting to my XXXX Credit File. In my dispute I included court documents submitted by American Express and ordered by the judge of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. On XX/XX/XXXX American Express filed suit against on credit card balances arising from two American Express card accounts ending in XXXX and XXXX. XXXX. American Express was awarded a Judgment against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. 3. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below are XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX. American Express declared the accounts null and void and fully released, exonerated, and XXXX XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force, and effect of the judgment. Not only was I fully released from all reported debt on my American Express cards, the amount being reported delinquent of {$12000.00} was a total of two cards but is being reported as a single account by XXXX. So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. Even after receiving a copy of the court order releasing me from all liability of this debt, XXXX has failed to remove the negative account being reported for which I have no liability. 

In response to this dispute, American Express sent me a response saying it was no longer reporting these accounts to the CRA 's, and addressed their responses to someone with a very similar name in a different city, with different account numbers, stating they were fraudulent accounts. Apparently American Express failed to read the court orders, and correct account numbers, my address, or any of my actual identifying information. I've attached the court orders relieving me of all liability and full release of the debt, which American Express requested happen. I just ask you finally stop reporting this debt which by court order I am not responsible for. 

I've attached the court orders once again. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
Hi All, I would like to add to re-opening my claim. My app was hacked while i was sleeping at XXXX, and I don't know how. I live in Georgia when I looked at the app my address was changed to a California address, shown below that I never seen before. In that time span they also locked me out of the app and transfer {$1000.00} from my savings account to my checking account. Then went ahead and made 4 fradulent transactions shown below. 

I can't understand how my claim was denied when I talked to several representatives through this process. All times shown below. Each time I got the run around and transfered between the member services and disputes line back and forth. No one was able to help me until I was told to send emails to get my account setup again and allowing me access. I sent an email Monday and Tuesday and Today, showing my ID, XXXX holding my ID with the date and my full name " XXXX XXXX '' also shown below. When finally speaking to a supervisor, I was able to change my address, email, shipping address and phone number all of which should be seen on your end that was changed without my knowledge. The simple fact that i had to change everything back to my original setup is proof that I was hacked and my funds should be returned to me as soon as possible. i don't know any bank that does not reach out to the customers when something like this happens. I sent all the proof that i did not allow these transactions to occur. I even reached out to the fraudulent XXXX " XXXX merchant '' in order to see who charged me. I would like my {$1000.00} back and my account restored, legal actions should be the next step. 


Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Tuesday : XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX Wednesday : XXXX ; XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The 3 credit reporting agencies have the power to ruin your credit without abs repercussions. I have repeatedly asked them to remove items off my credit report that I know I dont owe. I asked them to remove all those names of my credit report, it hasnt been done, I have asked them to remove addresses that are not mine and they have not done it yet. You E here to protect my rights as a consumer and I feel this is not happening. This has been an ongoing issue for XXXX American people since close ever. Stereotyping me is not only unconstitutional it needs to stop. Youre here to help, but I noticed this is not whats happening. I have yet to receive one piece of concrete evidence in regards to any of these matters. Yet my credit report looks like XXXX, no matter how hard I am trying to clean it up. The huge difference in the scores are unbelievable, XXXX has me at XXXX, XXXX has me at XXXX, while Transunion has me at XXXX. Please explain how can this be so off with them, yet everyone uses them for accuracy in getting my credit score. I have tried to call them repeatedly, their customer service representatives are rude, disrespectful and unprofessional. They feel they can do whatever they want because no one has challenged them to the full extent of the law. Enough is enough abs this has gone on for way to long. All Im asking is for you to do your job and help me as a consumer without leaning over to their side. This does not help me. I need this problem fixed right now and I dont want to keep asking. Im a XXXX Veteran with XXXX and a XXXX Citizen my rights have been completely and utterly disregarded.

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 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
i use paypal for recive money from customer ( my website service XXXX XXXX XXXX XXXX  XXXX since XXXX XX/XX/XXXX my paypal account permanently limited i try to read " PayPal Acceptable Use Policy '' https : //www.paypal.com/th/webapps/mpp/ua/acceptableuse-full but i still have no clue what am i doing wrong i think my website are legit and this might be automated suspensions faulty. 

this not fair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
Canceled my American Express card and have a remaining balance I plan to pay monthly. XXXX stopped sending me statements and bills after I canceled the card and now only sends me a text message when they add a {$40.00} late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13 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: TX

Complaint narrative:
I previously filed a dispute with Experian regarding the XXXX XXXX Account XXXX negatively reporting to my Experian Credit File. In my dispute I included court documents submitted by XXXX XXXX and ordered by the judge of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. On XX/XX/XXXX XXXX XXXX filed suit against on credit card balances arising from XXXX XXXX XXXX card accounts ending in XXXX and XXXX. XXXX. XXXX XXXX was awarded a XXXX against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. XXXX. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below are XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX. XXXX XXXX declared the accounts null and void and fully released, exonerated, and discharged XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force, and effect of the judgment. Not only was I fully released from all reported debt on my XXXX XXXX cards, the amount being reported delinquent of {$12000.00} was a total of two cards but is being reported as a single account by Experian. So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. Even after receiving a copy of the court order releasing me from all liability of this debt, Experian has failed to remove the negative account being reported for which I have no liability. 

In response to this dispute, XXXX XXXX sent me a response saying it was no longer reporting these accounts to the CRA 's, and addressed their responses to someone with a very similar name in a different city, with different account numbers, stating they were fraudulent accounts. Apparently XXXX XXXX failed to read the court orders, and correct account numbers, my address, or any of my actual identifying information. I've attached the court orders relieving me of all liability and full release of the debt, which XXXX XXXX requested happen. I just ask you finally stop reporting this debt which by court order I am not responsible for. 

I've attached the court orders once again. 

Regards, 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 2022-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I've been working with Carrington mortgage since XXXX. They pre-approved me and then I signed everything. Then they stopped comuncating with me and sent a letter stating they can't refinance me. I lost 3 months waiting on them to close then they told me I'm not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
The 3 credit reporting agencies have the power to ruin your credit without abs repercussions. I have repeatedly asked them to remove items off my credit report that I know I dont owe. I asked them to remove all those names of my credit report, it hasnt been done, I have asked them to remove addresses that are not mine and they have not done it yet. You E here to protect my rights as a consumer and I feel this is not happening. This has been an ongoing issue for XXXX XXXX  people since close ever. Stereotyping me is not only unconstitutional it needs to stop. Youre here to help, but I noticed this is not whats happening. I have yet to receive one piece of concrete evidence in regards to any of these matters. Yet my credit report looks like XXXX, no matter how hard I am trying to clean it up. The huge difference in the scores are unbelievable, Equifax has me at XXXX, XXXX has me at XXXX, while XXXX has me at XXXX. Please explain how can this be so off with them, yet everyone uses them for accuracy in getting my credit score. I have tried to call them repeatedly, their customer service representatives are rude, disrespectful and unprofessional. They feel they can do whatever they want because no one has challenged them to the full extent of the law. Enough is enough abs this has gone on for way to long. All Im asking is for you to do your job and help me as a consumer without leaning over to their side. This does not help me. I need this problem fixed right now and I dont want to keep asking. Im a XXXX Veteran with XXXX and a XXXX XXXX my rights have been completely and utterly disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: LA

Complaint narrative:
The 3 credit reporting agencies have the power to ruin your credit without abs repercussions. I have repeatedly asked them to remove items off my credit report that I know I dont owe. I asked them to remove all those names of my credit report, it hasnt been done, I have asked them to remove addresses that are not mine and they have not done it yet. You XXXX here to protect my rights as a consumer and I feel this is not happening. This has been an ongoing issue for XXXX American people since close ever. Stereotyping me is not only unconstitutional it needs to stop. Youre here to help, but I noticed this is not whats happening. I have yet to receive one piece of concrete evidence in regards to any of these matters. Yet my credit report looks like XXXX, no matter how hard I am trying to clean it up. The huge difference in the scores are unbelievable, XXXX has me at XXXX, Experian has me at XXXX, while XXXX has me at XXXX. Please explain how can this be so off with them, yet everyone uses them for accuracy in getting my credit score. I have tried to call them repeatedly, their customer service representatives are rude, disrespectful and unprofessional. They feel they can do whatever they want because no one has challenged them to the full extent of the law. Enough is enough abs this has gone on for way to long. All Im asking is for you to do your job and help me as a consumer without leaning over to their side. This does not help me. I need this problem fixed right now and I dont want to keep asking. Im a XXXX Veteran with XXXX and a XXXX Citizen my rights have been completely and utterly disregarded.

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 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have a checking account with Ally Bank and noticed on XX/XX/XXXX a pending transaction of {$2300.00} had been added to my account. As soon as I noticed the charge I immediately called Ally Bank to stop the charge because I did not have anything to do with the transaction as it was for buying a used car in another state. Even though the charge was pending Ally refused to stop the payment. Additionally, they said they needed to let the charge go through in order to initiate a dispute on the transaction. They assured me on the call that the transaction would be reversed as they agreed it was a scam. On XX/XX/XXXX the transaction posted, and I disputed it as explained by the representative. It took a week to get the credit applied to my account. Fast forward to XX/XX/XXXX almost 3 months after the incident, and I receive a notice stating that they have reversed my credit and have the supporting documentation they need from the merchant. As soon as the funds were reversed I reached back out to Ally to figure out what evidence they had regarding the fact that I authorized the transaction. To this date I still have not received those documents. I have proof I was not in the state the transaction occurred on the date it occurred. The fact it took so long and they have been unwilling to provide evidence leads me to believe they ran out of time and didnt actually investigate the transaction. Additionally, they should have stopped the transaction as requested prior to go it going through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
The mortgage servicing company has imposed a pre-payment penalty in violation of the terms of the loan. This penalty may not be intentional. 

I have been keeping a parallel spreadsheet of the status of my loan, starting with the XXXX, XXXX payment. In this spread sheet I keep track of the current interest rate, month and year of payment, payment amount and how much of the payment is allocated to escrow ( taxes and insurance ), interest, and pay-down of principal. On the monthly payment coupon I indicate the required amount for escrow, the required amount for interest, and the required amount for principal. Since my payment has always exceeded the minimum required, I always allocate the excess to principal. My records have tracked exactly with the statements from the servicing company. That is, until I made, in XXXX, the payment due XX/XX/XXXX. 

That payment, {$10000.00}, was to be allocated {$560.00} to escrow ( required ), {$1200.00} to interest ( required ), {$2200.00} to principal ( required total payment of {$4000.00} ), and the excess of {$5900.00} allocated to " additional principal. '' My records show closing balance of {$520000.00}. 

The mortgage servicing company allocated {$560.00} to escrow ( XXXX ), XXXX to escrow ( XXXX ), {$2200.00} to principal ( XXXX ), {$570.00} to escrow ( XXXX, XXXX ), {$1200.00} to interest ( XXXX, XXXX ), {$2200.00} to principal ( XXXX ), {$1800.00} to additional principal, with a closing balance {$530000.00}. Their closing balance is {$1800.00} higher. 

Per my usual custom, I made in late XXXX, XXXX, the payment for XX/XX/XXXX - I do not know yet how or to what month that payment was allocated. 

My wife and I were on Holiday during the end of XX/XX/XXXX and had our mail held. We received our mail from the XXXX XXXX early last week ( XXXX XXXX, XXXX ) and opened the XXXX mortgage statement shortly after that, at which time I noticed the discrepancy. I called the mortgage servicing company on Friday, XXXX XXXX ( at about XXXX ), and spoke with their representative. The representative told me that they would correct the error, but she was unable to tell me the date the corrections would be effective nor would she tell me that their closing balance for XX/XX/XXXX would agree with mine. Originally, she told me that the correction would take up to sixty days, when I threatened to consult an attorney, she modified that timeline to ten days. 

Over the remaining lifetime of this loan, the difference of {$1800.00} in the closing balance will result in many thousands of dollars in additional interest ( penalty ) if left uncorrected. With our interest rate being recalculated next month, likely higher, that penalty will be larger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Someone has used my email account " XXXX '' to open an account with Coinbase. I have contacted the company twice and I am still receiving emails from the company. I am taking this means there is still an account under this email. When I call the company to lock the account, I am informed that this is an incorrect phone number and am unable to close the account. I have emailed the company twice and only receive an automatic response. Any help would be greatly appeciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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:
Investigation proves I was never late with XXXX XXXX and Experian is the only one that will not UPDATE my account to CURRENT/NEVER LATE

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 2022-01-13 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: FL

Complaint narrative:
Opinion..sadly a scam. They never post a drop in debt to income and the report rarely changes because it is NOT REAL TIME. FURTHERMORE unauthorized used hit my credit dropping the score. I can not shop without getting a lower score. This is by all facts and hundreds of reports a fraudulent system. I submit my score only to he told it's XXXX or XXXX points lower band then I'm told they use the credit bureau score. If so how can their score be lower. Because they use their own algarithims and credit reporting suppliers. Giant scam.example today... paid debt but score dropped XXXX XXXX Learn more Experian Data XX/XX/2022 XXXX XXXXr XXXX See all 3 Bureau XXXX XXXX Credit Usage 89 % Total Debt {$160000.00} Open

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