vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I began to manage my parent 's expenses in XX/XX/XXXX. Due to both my parents becoming Ill then passing away within 2 months of one another. My Parent 's had file a bankruptcy approx. 5 years prior to their passing. their Mortgage loan servicing company Select Portfolio Serving, had refused to discuss the account with me every time I called, they were happy to take the mortgage payments however even after sending requested certificate 's and probate award documents still refused specifics about the account. after sending probate award documents they then asked for an affiv showing myself to be administrator or executer of the estate, well the probate documents stated all the information they asked for. so my attorney draft an affiv that I had notarized and faxed to SPS, however now when I call they tell me I need to speak to the bankruptcy dept. and calling three times in one day is excessive. with the same out no one is available to take my call. someone is always avail to take the mortgage payments, for a year I have been denied information on this account. so in the process of refinancing my lender remarked that if their dedt was discharged it may be dissolved. I feel as thought I have been taken advantage of, and my rights have been violated by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX i was contacted by XXXX that i had over XXXX in transactions in less than 10 minutes. I informed them that i was not at XXXX buying gift cards. I then checked my other accounts and noticed pending XXXX transactions in the amounts of XXXX up to XXXX. I called and filled a report with XXXX who refunded me and locked out my accounts. I then called Wellsfargo and reported it as well. They said it would take up to 10 business days to resolve. I checked back numerous times to hear that they were still working on it. The XXXX day i received a letter stating that they found no evidence of fraud.I then filled a complaint stating that i did not approve of those transactions and do not know the people who took it. I asked for how they came to the decision and the service rep said a letter would be mailed to me but she is not allowed to tell me the process. I received the letter a few days later to see that Wellsfargo stated that they found no evidence of fraud and that whoever did the transaction had to be someone i gave my username to. I am reporting Wellsfargo for not taking the proper steps in investigating my account. I provided them a screenshot of XXXX returning my funds from the fraud. I informed them that no one is authorized to use my account but me. I let them know that i had recently purchased a new phone with a new sim card and that someone may have gotten my information from that. The fraud amounts and dates are as follow : XXXX {$100.00} a second one for {$400.00} to the same person. Then on XX/XX/2020 another transaction of {$500.00} was made using my XXXX, I also informed Wellsfargo that i have never made a XXXX transaction in the entirety of my banking with them. The XXXX transactions only had emails as a form of contact which i have no relationship to these people. I would like Wellsfargo to do their do-diligence in the matter.

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 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was a victim of identity theft starting at the age of XXXX and someone opened bank accounts, credit cards and checking accounts in my name. Ive never had navy federal credit Union in my life and you guys have cleared and closed the credit card that was in my name due to fraud and I need this checking account and savings account closed and removed as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: DriveTime
State: TN

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX DT CREDIT XXXX XXXX  XXXX XXXX, AZ XXXX ( XXXX ) XXXX Improper use of credit report ( shared without consent, credit inquiries appearing on my XXXX  credit reports by your company that I did not authorize ) DT CREDIT Inquired on XX/XX/XXXX DT CREDIT Inquired on XX/XX/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 2021-01-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB AUTO XXXX - The payment history on this account is inaccurate. I was never late. My credit report shows that I am 30 days late for the month of XXXX and XX/XX/2020. My payoff check to pay this account in full was delivered to Chase on XX/XX/2020. I have attached the tracking history as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I have a complaint against the company American Account Advisors, based on the response to the complaint that I made, they sent the letter but until now they ignore my Answer, there is no validation of what they are doing is violation and they are abusing their position as collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

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 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
we have used paypal for a few years and this last summer i was sent an email that stated my account was on limited and i was not able to obtain XXXX of my money for 180 days i waited the 180 to come back to my account and they had deposited into their own account and then said i had not followed the user guidelines ... .we sell consumer XXXX  everything that i do is by the law - there is nothing not a trace stating that i can not sell XXXX  and use the service to obtain funds for transportation again nothing that does not adhere to the law - ive never been told anything other than they won't give my money back. i am a XXXX XXXX and this is absolutely stealing and i really need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've reached out to Capital One 3 times to the first time on XX/XX/XXXX to get a refund issued for the credit balance on my account. I was told it would take 10 days for the check to arrive and seeing that it didn't arrive by the XXXX, I called on the XXXX to get an update on the status of my refund. 

I have still yet to receive the refund, I called yesterday and spoke to XXXX who said it should arrive by today and it still has not arrived. 

The website says 7-10 business days, at this point its been over a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I would like USAA to provide me with their policy for applying payoffs to auto loans. In particular, I'd like to find out what notification processes they use to confirm receipts of payoffs and handling incoming mail. I would like to also find out if the payoff check I sent to them was dated and time stamped upon receipt. I currently, have an error on my credit report for XX/XX/2018 and what like to know why the payment was not applied in a timely manner before reporting the account late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: FL

Complaint narrative:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
These two companies are reporting i have a negative account with them and it is fraudulent i have mailed a notarized affidavit to both companies letting them know these are not my accounts that they allowed to be opened ONLINE without verifying who was really opening the accounts. I retrieved account information from credit bureaus. 

Bank of America - {$3600.00} XXXX XXXX2019 XXXX XXXX XXXX XXXX XXXX - {$2200.00} 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 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
Citizen one bank is the mortgage company. They have been charging forclosue fee but the home is not in forclouse and all payments are current. 
It has been behind. But never should have had foreclosure fee. When I ask about it I am transferred or hung up on. I have since went Thur the payment backing to 2018 and noted fee that I was not knowledgeable about

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Macy 's Credit card is incorrectly reporting the date my card was Charged off. The Card was charged off/closed in XX/XX/XXXX however, they have it showing charged off in XX/XX/XXXX. Macy 's also shows that the card is 120 days late starting up again in XX/XX/XXXX however, the card is closed, nothing was charged since the charge off, and it was sold to a debt collector prior to the late pays being reported as though my card is still with Macy 's. I also contacted the credit bureaus who will not fix the issue. Macy 's will not send me verification that the card was charged of in XXXX and they violated FRCA 623 ( a ) ( 5 ) as they did not report the charged of date accurately within 90 days of the charge off.

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 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX this debt collector, CALVALRY, reported a collection action to my credit bureau however they first sent their letter to me XX/XX/XXXX! they violated the Fair Debt Collections Act by not first notifying me and allowing me 30 days to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MO

Complaint narrative:
My card was locked I called and got a new card sent to me this was XX/XX/XXXX the lady unlocked my netspend card sending me one two days later when I activated the card I called to make sure my funds were transferred well the lady I talked to must have thought I stole the card cause when asked my address I said which one do you want the one I just had the card mailed to or the original account address next thing I know my card is locked and they are saying I have to have 3 forms of proof who I am I sent them two photo ids and social security card they said that's not good enough I have to have proof of address I told them I dont have that ive only been out of prison three weeks and have no way of giving them that.theyvsaid they would mail me a check with my remaining balance I waited the 10 days still no check I called them they said they couldn't mail the check cause o couldn't prove who I am well now my stimulus has been direct deposited to the account and they still wont give me my money they have close to XXXX dollars of mine and I don't know what else to do they are no longer answering me please help netspend is stealing my money and knew it

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 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/XXXX - -purchased new refrigerator from Best Buy for {$2300.00}. Best Buy offered me {$200.00} to open credit card and purchase new refrigerator using card that is backed by Citibank. 
Received new card and activated on XX/XX/XXXX - registered online to set up e-statements. Notice there as an additional charge $ {$1.00} from some parking garage in another language charged to card/account on XX/XX/XXXX. Called number on card to report. They mentioned that there was another charge in the amount of {$95.00} from XXXX XXXX XXXX and asked if i made that purchase. I told them I did not and again, reminded them that I just received the card and activated it. They asked me multiple times if I made this charge or if anyone with access in my household made these charges and the answer is no. I reminded them again that I just received the card/activated. They opened investigation and said it would take 7-10 days for full investigation. When I looked at the account the following day, the charges were made in XXXX. I live in Pennsylvania. 
I called company again on XX/XX/XXXX because there was a notification online that there was an issue with my account. When I called, they had trouble verifying me because I wouldn't provide my social security number and my cell phone was only added to my account the other day. They finally verified me by calling my home number and the issue was just that my card was closed and a new one was on the way and the investigation is still pending. 
Somewhere along the line, my information was comprised between my initial purchase and my card being sent to 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 non-monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I paid my mortgage through the online services of my mortgage company, 5 days before it was due. 11 days later, the mortgage company sent me an email notice ( after I had received a payment confirmation ) saying I had not paid my bill. And adding a XXXX  dollar late bill. 

I called them, and they said my bank had rejected my payment for lack of funds. My account did have adequate funds, and the bank ( XXXX XXXX ) stated they had NOT rejected any payments on my account. 

I called the lender back, and asked them what account they had tried to charge the payment to, and they couldn't, or wouldn't tell me, so there is no way for me to know what account they attempted to charge the payment to. I asked what I should do, and they recommended I make a payment over the phone, either by automated phone call, or through one of their phone agents. Then I found out they make extra charges, to pay the bill, by phone! XXXX dollars, and XXXX dollars respectively! 

The company, is " Mr. Cooper ''. We also had problems with my first payment, sent by check. They didn't credit my payment for several weeks! 

These practices are not acceptable, and have become very stressful to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: WA

Complaint narrative:
XXXX XXXX Credit card is incorrectly reporting the date my card was Charged off. The Card was charged off/closed in XX/XX/XXXX however, they have it showing charged off in XX/XX/XXXX. XXXX XXXX also shows that the card is 120 days late starting up again in XX/XX/XXXX however, the card is closed, nothing was charged since the charge off, and it was sold to a debt collector prior to the late pays being reported as though my card is still with XXXX XXXX. I also contacted the credit bureaus who will not fix the issue. XXXX 's will not send me verification that the card was charged of in XXXX and they violated FRCA 623 ( a ) ( 5 ) as they did not report the charged of date accurately within 90 days of the charge off.

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 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/2021, I received a call from audio call stating to call another number, because my cash card was blocked and to unblock it I needed to call this number XXXX, I called from another phone a person answer and hung up. I feel like the caller had some type of scam attempting to some way take money from cash app. The original number was XXXX. This may be the way people are getting ripped off in the cash app. I checked my cash app it was fine ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I bought a home in XX/XX/2018 which included my escrow account as well.My payment with the escrow account was {$1600.00} and it remained the same for 1 year with fixed interest rate of XXXX after 1 year my payment was reduced to {$1400.00} still with the escrow account without any reasons disclosed..It remained the same till last year in XXXX and without giving any explaination the monthly payment went up to {$1700.00} and after 2 months in XXXX the monthly payment went up to {$2300.00} again without any explaination. I called the lender to know wht was going on but without sucess and when i asked to talk to a senior person that too was denied..I stayed on the phone line for 3 hours being transfered here and there and finally came the answer that there is a shortage in my escrow.But my question is how can there be a shortage when i have never missed a payment .This they could not answer and after there calculations to which i have no idea how it was done they agreed to reduce my monthly payment to {$2000.00} and that to for next 3 years..If u do a simple calculation if they are saying my escrow payment is {$940.00} for a month so for 1 year I am suppose to pay {$11000.00} and my property tax for the year is {$4000.00} which includes my taxes and insurance and if I pay {$940.00} for 3 years i will pay for my escrow {$33000.00} which does not make any sense.I would say its a total rip off and during this pandemic iam just struggling to keep up with this kind of behaviour. I would appreciate very much if someone can solve this matter. 
Thanking You in advance.. 
i would like to give my information as follows.. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone..XXXX Mortagage Company ... Carrington Mortgage XXXX XXXX XXXX, XXXX, CA XXXX phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need the accounts removed from my reports that don't belong to 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