vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have tried several times to send money from my Navy Federal Credit Union account through XXXX to someone for business purposes, and instead of the instant service and payment like every other bank account that I have, it has taken now 3 days to get this money to my employee and caused multiple problems!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On my last report from Equifax ( 2020 ) there was a single line statement that reflected the use of my report to XXXX. This was not specifically authorized by me nor had I ever heard of this credit bureau. I have since contacted them directly and through CFPB. The purpose of this notification to CFPB is they ( Equifax ) should be held accountable for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
On XX/XX/2020, my husband and I called a loan officer from Freedom Mortgage. She asked us many questions in order to preapprove us for an FHA loan. On XX/XX/XXXX we received a preapproval letter for the FHA loan. Since we are first time homebuyers, we were not aware she was supposed to have asked if we are citizens/ permanent residents or about our ethnicity. Neither question was asked. 
On XX/XX/XXXX, our loan officer declined our call of concern when we saw the documents included incorrect information because she was playing virtual XXXX. We contacted her assistant the following day to correct the citizenship status, the listed ethnicity of my husband, and inquire if the FHA loan was still an option. We told her our own research showed we would have to change the loan type. She assured us she had recently completed a loan with the same status. Our interest rate was locked with with FHA loan on XX/XX/XXXX. On XX/XX/XXXX, our loan officer informed us we did not qualify for FHA due to the reasons we told them back on XX/XX/XXXX. 
On XX/XX/XXXX, I asked my loan officer if we needed a different lender due to our need to close on time. She told us there would be no problem and that the loan was almost done. 
On XX/XX/XXXX, during a call with our loan officer, she told me our loan was still not done, but the latest we would have our keys would be Friday, XX/XX/XXXX. On XX/XX/XXXX, we were made to take an educational course due to being first time homebuyers. We were told back on XX/XX/XXXX that we did not have to take the course. My loan officer told me her manager would be sending us a {$75.00} money order due to the inconvenience. We signed paperwork with the notary on Saturday, XX/XX/XXXX and were not able to receive our keys until XX/XX/XXXX. My husbands ethnicity was still incorrectly recorded. He was listed as XXXX XXXX even though he is XXXX. 
I was promised a resolution by a branch manager on XX/XX/XXXX, and after multiple email requests, I have had zero communication from him since XX/XX/XXXX. 
The entire process was a nightmare. We were lied to by every employee that we had contact with. There was negligence during the preapproval process, incorrect information recorded intentionally, and consistent promising of a loan closing date that didnt come to fruition.

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 2020-06-21 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: FL

Complaint narrative:
To be Clear, I have submitted this dispute online to Equifax. I just believe deletion of these at least 3 closed, 0 balance accounts that are over 10 years old will be finally deleted with CFPBs assistance vice my request alone. Accounts should fall off credit reports after 10 years and it is beyond me why Equifax has not been proactive to care for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
was out of work do to the stay at hm order do to cov19 contacted phh mortgage told situation an was tild to go to their website an request stay because US gov said no morgagtes would be reported late an no foreclosures an nothing negative should b reported to credit bureaus did online as instructed but they say it doesnt show WELL the GOVERNMENT said this was to be done so WHY is it even if it doesnt show NOT being adhered to HURT my score an now cant refinance my house an need some help havent had a pay check in almost three months an now this XXXX on my credit when the Whole Country was an is this should have been a no brainer for my mortgage comapny an the cedit bureau this was XXXX an XX/XX/2020 2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Abbott Osborn Jacobs PLC
State: IA

Complaint narrative:
Abbott, Osborn and XXXX, XXXX. failed to validate $ XXXX debt in 5 days all original documents, lied to me and judge XXXX with misleading data, without permission used as plaintiffs XXXX and XXXX XXXX, XXXX. false names on legal documents ; copyright, patent and trademark infringement ; rifled mail with fake process servers trespassing, mail and wire fraud suspected ; harassment during a pandemic and Fair Debt Collection Practices Act violations. 

XXXX XXXX XXXX, XXXX. failed to validate {$200.00} debt in 5 days all original documents, disregarded cease and desists orders, mail and wire fraud suspected ; harassment during a pandemic and Fair Debt Collection Practices Act violations. 

XXXX XXXX, XXXX. # " XXXX '' and # " XXXX '' also failed to validate $ XXXX debt in 5 days all original documents, disregarded cease and desists orders, mail and wire fraud suspected ; harassment during a pandemic and Fair Debt Collection Practices Act violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: NC

Complaint narrative:
I've tried over the last year for Equifax to remove a XXXX  XXXX  account that is in the name of XXXX XXXX. XXXX XXXX XXXX has already agreed this isn't my account. Both XXXX  and XXXX  have removed it from my file. Yet Equifax refuses to remove this. This is my last step before having to go back to court. 

Equifax has agreed my name and info is XXXX XXXX, it's already been proven in court that I am not XXXX XXXX, nor is this account mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/XXXX I received an updated payment count towards my Public service loan forgiveness in the amount of XXXX payments one month later I received an updated list and the servicer removed over 30 of my qualifying payments for no reason. I contacted them and they assured me they would review my account and my payments and yesterday I received an email with an update a payment count. They stole one years worth of payments from me. No one will answer why these payments all the sudden don't qualify my employment has never changed in 12 years and I'm always current on payments and submit my recertification yearly. The servicer is abusing people and their accounts you can't give me any excuse or reason as to why you stole a Year 's worth of my forgiveness from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Amount of debt : {$730.00} The address is different from XXXX XXXX  XXXX XXXX, MI XXXX ... .another address XXXX XXXX XXXX XXXX , SC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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:
was out of work do to the stay at hm order do to cov19 contacted XXXX XXXX  told situation an was tild to go to their website an request stay because US gov said no morgagtes would be reported late an no foreclosures an nothing negative should b reported to credit bureaus did online as instructed but they say it doesnt show WELL the GOVERNMENT said this was to be done so WHY is it even if it doesnt show NOT being adhered to HURT my score an now cant refinance my house an need some help havent had a pay check in almost three months an now this XXXX on my credit when the Whole Country was an is this should have been a no brainer for my mortgage comapny an the cedit bureau this was XXXX an XX/XX/2020 2020

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 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I was paid for an item I sold on XXXX through PayPal. PayPal placed an arbitrary hold on my money I received from the sale for 48 hours when I tried to instant transfer it to my bank debit card. And charged me a processing/handling fee of {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PERFECTION COLLECTION LLC XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: FL

Complaint narrative:
Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX  account # XXXX 2. XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau 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 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After 3 months and providing all required and qualified documents and assets needed to close the Refi they told me that they can't close on conforming loans any longer. Thus, they extended the closing date to mid-XXXX and turned the loan into a " non-conforming loan '' and asked for substantial assets that needed to be provided which I met. 

Despite meeting the new assets requirements I was still denied due to a non-disclosed internal timeline. I asked the loan agents and Fulfilment department to disclose these with me in writing but they never did. _- Please note that I provided all required documentation asked from me within 24-48h and that a delay of over 2+ months occurred as loan agents and underwriters didn't move forward in the process, never responded, couldn't find or upload documentation I provided to them, and so forth. 

This " process '' has been malpractice from the beginning. As mortgage rates went up during the process and as there is nothing to gain from my Refi, Wells Fargo intentionally delayed the process, added more miscellaneous requirements ( without proof in writing ) to the process only to deny the loan. 

All of the loan agents I talked to are the epitome of bad customer services and dubious business practices. I would like all ( long-term ) clients to know that Wells Fargo is not able nor willing to Refi any conforming loans unless you have cash assets to cover 12 months of mortgage payments, insurance, and property taxes ; son on average $ XXXX $ XXXX. ( which I have ). Even if clients meet these " new requirements '' which are never disclosed in writing despite numerous attempts customers may still be declined. Meanwhile, other Banks and Brokers are providing in-house appraisal and allow clients to refi using the standard conforming loan. 

Long term clients are given the run-around, being lied to, and questions to reveal terms and conditions simply denied. I am seeking an immediate investigation into the Loan Processing Department and Wells Fargo to reveal on their websites that they are not able to provide confirming loans and revel the terms of conditions of the non-conforming loans. Clients who wish to close on time and save money, especially during these times, should not waste their time and money and know what to expect.

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 2020-06-22 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: GA

Complaint narrative:
Experian did not properly investigate my cred disputes. I sent them all the required documentation see documents that I sent to them attached. The letterthey sent out to me requested all the same information that I had emaile them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.

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 2020-06-22 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: TX

Complaint narrative:
I sent letters out certified over 35 days and have been notified. I feel like these guys are taking advantage of regular people. After recently reviewing my credit report I noticed several inconsistencies regarding the accounts information attached. I sent a second letter to the bureaus after 30 days because I haven't received and documentation.

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 2020-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
My father ( XXXX XXXX XXXX XXXX ) died XX/XX/2020 at XXXX Hospital XXXX MS . Mother went into Trustmark National Bank -- XXXX MS -- XXXX XXXX XXXX XXXX XXXX. Spoke with XXXX XXXX while presenting Funeral Bill who requested a Death Certificate. On XX/XX/2020 mother returned with Death Certificate and still Mrs XXXX refuses to release the fund to pay for funeral bill. Trustmark and it reps show to be insensitive and be taking advantage of a vulnerable adult who's grief stricken. Trustmark should show a little compassion by the releasing of the funds in the account with my father 's name attached as primary account holder.

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 2020-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received the following credit report issue ; however, I do not have an account with this establishment, so is this something I still need to be concerned about affecting my credit and any other related aspect because of this email? 

XXXX P.S. 
screen shot available upon request XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Gm FINIANCIAL is reporting an incorrect late payment from XX/XX/2019. I asked for and was granted an extension ( deferred payment ) but instead they processed it as late!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: GA

Complaint narrative:
I have been denied credit on a fairly consistent basis. Ive disputed closed accounts on my report and CB will not remove them as they continue to report. The dates of last payment and last reported on all my accounts differ between all 3 major CBs. I have reported that they have undesirable and injurious information that is not allowing me to obtain credit. These accounts feel like I am tied to an anchor and dropped in the middle of the sea. 

Please help me!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: GA

Complaint narrative:
I have been denied credit on a fairly consistent basis. Ive disputed closed accounts on my report and CB will not remove them as they continue to report. The dates of last payment and last reported on all my accounts differ between all 3 major CBs. I have reported that they have undesirable and injurious information that is not allowing me to obtain credit. These accounts feel like I am tied to an anchor and dropped in the middle of the sea. 

Please help me!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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 have been denied credit on a fairly consistent basis. Ive disputed closed accounts on my report and CB will not remove them as they continue to report. The dates of last payment and last reported on all my accounts differ between all 3 major CBs. I have reported that they have undesirable and injurious information that is not allowing me to obtain credit. These accounts feel like I am tied to an anchor and dropped in the middle of the sea. 

Please help me!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
My loan was in forbearance due to COVID-19. I was starting a new job. Approved forbearance on XX/XX/XXXX. I got several delinquent letters indicating my payment was past due. I was told the forbearance would not impact me negatively. Unfortunately, it did. I found out on XX/XX/XXXX my pending VA refinance loan with XXXX would be denied due to the forbearance ( in XXXX, XXXX told me it would not ). I immediately on XX/XX/XXXX, paid the mortgage for XXXX, XXXX and XXXX and cancelled my forbearance immdiately. I requested and was informed from Loan Care Servicing that I would receive a letter in the mail and an email stating my Loan forbearance was cancelled. To date, I have reached out to them 4 times and havenot been able to get any documentation refecting my current loan status with the cancelled forbearance. It is also reflected in my credit report that my loan is in forbearance. I paid my mortgage and cancelled the forberance weeks ago. I deserve documenation reflecting the update. I am trying to refinace my loan and need this documentation to move forward with the process. They didn't hesitate to send me past due notices but will not provide me with updated documentation despite numerous request from customer service.

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