vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony Bank XXXX XXXX is reporting a late on my credit file for XX/XX/21 and it must be removed. I recently checked my credit and noticed this late reporting but it is erroneous. I had recently used the credit card at a facility and once my due date came around, I paid the account in full to make sure I did not have to worry about it. I did use the card after or made any other purchases. However, the last place I made a purchase made a delayed charge of {$8.00}. I was not advised that they would be using my card again and I wasn't aware of the {$8.00} they had put on. When I looked at my credit I noticed this late and checked my credit card because I was sure it was paid off. Sure enough, there was an {$8.00} balance. I called the company that made the charge and told them that they had made this charge and that I was never told, they then credited back the {$8.00}. I however, was never called by Synchrony Bank to be told that there was an outstanding amount on my card or I would have paid the {$8.00}! This late must be removed, I had paid the account in full, the charge was erroneous and I never got a call regarding any outstanding balance or that I was going to be late from Synchrony Bank. I have been a long time customer and have never ever been late and have had this account for a very long time and would hate for this to ruin the relationship. Please remove the late from my credit file.

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 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: NH

Complaint narrative:
Received card which we never applied for - no phone numbers on the credit card to attached paperwork. Attempted to call Square and phone system is temporarily not available ( for the last 7 business days ) Emails sent every day with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Mortgage Loan Officer, XXXX XXXX, NMLS ID # XXXX has misinformed me and did not reimburse the promised following fees. 

- {$500.00} processing fee, ( was charged on XX/XX/2020 ) - $ XXXX ( XXXX XXXX XXXX expedited pay off letter service fee ( 6 times x {$20.00} each by Amerisave ) - $ XXXX ( XXXX XXXX XXXX late payment fee ( I was told that the loan was closing in XXXX ) Total of {$750.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
Im a XXXX veteran working with PennyMac loan servics for over 5 years. Never missed any payment not 1 time. They contacted me to Refinance my Va mortgage back in XX/XX/XXXX. And it been a nightmare lieds after lies. I was told by my loan officer i would be closings on XX/XX/XXXX and not to pay my mortgage for XXXX and XXXX because in would be included in my loan. That was a lie, didn't have all the right documents for the closing. So they rescheduled my closing for XX/XX/XXXX, and XX/XX/XXXX, and cancel out with saying a word. After i took off work all 3 times. Had my credit missed up for XXXX and XXXX XXXX XXXX called and told me to pay my mortgage for XXXX and I would be closings for sure XX/XX/XXXX .So i did, no problem. Closed as scheduled everything good i thought. Never received any money after closing like they promise 3 days after. Then they started calling telling me i was late for XXXX and XXXX mortgage payment that was supposed to be included in my new loan. My first payment for my loan was XX/XX/XXXX. Call after call threatened after about making a payment. And i told them i closed on the XX/XX/XXXX. Nothing, Reach out to XXXX  and they didn't nothing. Call and talked to VIps after Vips. Managers after manager loan officer after loan officer nothing be lied. Then threatened to canceled my loan all together. Need help bad can not sleep or eat head hurting every day. Got me and my family stressed out of losing our home. Pennymac is the worst Mortgage company in XXXX. My credit is messed up because of them and can't go anywhere else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I noticed that my check was not the usual amount that I usually get. So I contacted the payroll department and that's when I found out that I was being garnished. I got the information of XXXX XXXX XXXX and contacted them to find out why. I was told by the collection agency that I had opened a credit card account in XX/XX/XXXX. I have no recollection of doing such thing. I never liked credit card and I was using prepaid cards at the time. I was told The Final Judgment entered on XXXX XXXX, XXXX in the amount of {$17000.00}. Statutory interest accrues in accordance with Section 55.03, Florida Statutes, from the date of the Judgment until the Judgment is paid in full. An outstanding balance of {$28000.00}, plus statutory interest is still owed under the judgment. Therefore I am being garnished 25 % of my check every time I get paid by XXXX XXXX XXXX. I sincerely believe that this account was fraudulently opened on my name.

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 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Iam an individual of XXXX  descent and have been using PayPal for quite a while now, on XX/XX/2020 my account unfortunately got permanently limited due to issues I'm not familiar with and neither were they explained to me in detail as to why it happened, on the other hand, I read that this sometimes happens with PayPal accounts if you log into your account with a different gadget be it a phone, tablet or desktop it happens and on this day it happened to me. The account was more than a year old and no fraudulent transactions were associated with it.Whenever I'd try to reach PayPal I'd get an automated message from them which really doesn't assist me on how to get the money back from the account which is why I'm coming to you now .... I learnt that this website, consumer finance.gov can assist citizens and non citizens of the United States in such a case and also because PayPal is a company governed by laws of the United States, which is why Im Writting to you and making this complaint, also I have no other way to reach PayPal as via phone calls is also not so swift. I would highly appreciate it as the money in the account is about 500 usd which is quite alot in my country and it would greatly assist me especially now that I need it to take my girlfriend to hospital for check up, she's now XXXX XXXX XXXX  please see if there's something that can be done for me to atleast get the money from my account, no complaints or whatsoever are associated with the account, it's an individual account and not a business account the money I received was purely for personal reasons which is why I have to ask for an appeal and also because I brought up a complaint about the same but wasn't really fairly looked upon I hope you will put more consideration into this. Thank you for your time.Also, I'd like to point out that the email address I have used below for the updates you'll send me is for my PayPal account as well and that it belongs to me personally and in no circumstance am I doing this for anybody else but myself entirely!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
CBNA / Best buy is misreporting a balance on a settled charge-off account. 

They apparently have also either sold the account or have hired an outside collection agency to collect on their behalf a balance which should have been forgiven per the settlement agreement. 

On XX/XX/XXXX, I sent CBNA a letter requesting a settlement along with a check. They cashed the settlement check, and payment was posted from my account on XX/XX/XXXX. On or about XX/XX/XXXX I received a response letter from CBNA stating that they were unable to identify my account, and were requesting information so they could apply the payment correctly. On XX/XX/XXXX I faxed over all of the requested information to them. 

After nearly a month with no response, I attempted to call them several times and could never get in touch with someone to discuss the situation. I left several messages and got no response. On XX/XX/XXXX I sent via certified mail the entirety of the information they requested that I had faxed on XX/XX/XXXX. I have yet to hear a response. 

On XX/XX/XXXX I received a letter from XXXX, a collection agency, stating that the account had been listed with them for recovery. The balance stated on the collection was not the original charge-off balance, but rather the original balance minus the settlement amount that was agreed upon. 

CBNA has not held up their end of the settlement agreement, and is attempting to collect on a balance that was forgiven per settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Car was bought from a used car lot XX/XX/XXXX. On XX/XX/XXXX the vehicle was involved in an accident, totaling it and appropriate insurance actions were taken on behalf on consumer ( GAP/PERSONAL ). The total loan amount remaining was {$3800.00} at this point. The loan agency ( CREDIT ACCEPTANCE ) and GAP provider ( XXXX XXXX ) kept going back and forth, saying the payment was being processed. Over the span of 4 years, interest has accumulated and the account in now in collections. Due to gross negligence on behalf of both companies this has hurt my credit as well as cause me an overwhelming amount of stress and inconvenience. These companies need to be held accountable and not get away with shorting the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been trying tor two years to have my PMI cancelled. The current loan-to-value ratio is 76 % on an original valuation of {$120000.00}. The loan originated in XX/XX/2014. 
I have requested the PMI cancellation with my lender, Wells Fargo. They have stated that they can not cancel the PMI as there is no Automated Valuation Model available, yet I know of at least six comparable sales working the last six months, all for at least 30 % more than my original valuation.

When Wells Fargo was contacted again, they offered to generate an AVM for {$320.00}, however they will not indicate what public data is or isnt already available. 
The loan has been in good standing since origination. 
Wells Fargo Case # 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 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX, 2021 My car was broken into while at the beach. My wallet, phone and car key were stolen. Within 2-3 hours the thieves had gone on a spree racking up {$35000.00} of luxury goods at stores we have never been to. All of the charges were reversed on our credit cards, however, CHASE has refuted the charges on our ATM card, which we assume they used as a debit card. CHASE has refused to reissue the funds stolen from us even though we have documented where we were, provided other card company 's decisions and a XXXX report stating we were with a mechanic at the time of the charges making a new key to drive for our car. We NEVER made retail purchase on this card. We have had negligible with withdrawals ( less than {$200.00} at a time over the past year ), we have provided all the pertinent documentation along with proof of these highly unusual charges on this card. CHASE continues to deny our claims of fraud because the charges were made ~ in person~ with an ID. The entire wallet was stolen so they had the drivers license as ID. We are now out about {$17000.00} from 3 different charges on the ATM card at high end stores. Please help us fight this fraud and get our money back. thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 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: CA

Complaint narrative:
XXXX is attempting to collect on an INVALID debt. 

I have received these documents from my insurance. I have scanned them and attached here. 

2 files from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$17.00} and {$42.00}. They are highlighted in yellow. 

3rd file is an old statement sent to me by XXXX. If you look in that XXXX  file dollar amounts in yellow, they match with what my insurance paid to the XXXX XXXX XXXX XXXX XXXX. 

Actually, my insurance paid more than that if you read their 2 statements. 

So I don't owe them anything and I never did. 
It's all XXXX XXXX XXXX XXXX XXXX ', XXXX  insurance company and credit collector XXXX XXXX fault. 

I have also attatched a screenshot of the tradeline from my credit reports.

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 2021-03-22 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: CA

Complaint narrative:
XXXX is attempting to collect on an INVALID debt. 

I have received these documents from my insurance. I have scanned them and attached here. 

2 files from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$17.00} and {$42.00}. They are highlighted in yellow. 

3rd file is an old statement sent to me by XXXX. If you look in that XXXX  file dollar amounts in yellow, they match with what my insurance paid to the XXXX XXXX XXXX XXXX XXXX. 

Actually, my insurance paid more than that if you read their 2 statements. 

So I don't owe them anything and I never did. 
It's all XXXX XXXX XXXXXXXX XXXX XXXX  ', XXXX  insurance company and credit collector XXXX XXXX fault. 

I have also attatched a screenshot of the tradeline from my credit reports.

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 2021-03-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX, I sent out a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Lending Services LLC
State: MD

Complaint narrative:
Last XX/XX/2020 ... global lending services sent me a bill and it was for XXXX and something so I paid that thinking I had overpaid another month! They waited until the day after the 30th day to tell me I still had a balance of XXXX and something which I paid right away!!! I have begged them to take this off my credit since I have paid on time every other time. Please can you help me talk to them so this can be removed immediately thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX Capital One charged a yearly membership fee of {$59.00}. 
Though I have alerts set on this credit card account there were no emails, text messages, or letters sent to me alerting me of the charge. **NOTE : this credit card is NOT used on a regular basis either. 
The only letters I receive from them is alerting me of the interest rates to consolidate any outstanding loans with them. 
On XX/XX/XXXX, a past due fee of {$25.00} was charged to my account. Again, no alert of any kind was sent to me regarding the charge OR any past due amount. 
On XX/XX/XXXX another past due fee of {$40.00} was charged to my account, Again, no alert of any kind was sent to me regarding the charge OR any past due amount. 
On XX/XX/XXXX I received an email from Capital One stating they had reported the past due amount and negative notation to the credit reporting agencies. 
On the same date, I received several emails from several different credit cards that I have alerts set on regarding the negative activity. THIS is the ONLY communication I received regarding the past due charges. 
I immediately called customer service who apologized profusely about the situation and immediately credited back the {$40.00} late fee charged on XX/XX/XXXX. I also paid the balance due of {$120.00}. 
The representative directed me to write a letter explaining the situation and request that the negative notation is removed from my credit reporting and stated that there would be no problem in doing so. He gave me the address to send the letter to along with all of the information required. 
This letter was mailed on XX/XX/XXXX. 
On XX/XX/XXXX I received a letter of communication from Capital One stating that they were unable to remove the negative reporting. 
I am meticulous about my credit history and have a pristine record except for this situation and request that it be removed from all credit bureaus. 
We plan to submit for a home refinance in XX/XX/XXXX and this false 30-day late reporting will impact it significantly.

This has affected my credit score exponentially from excellent to only good and below XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2021 multiple fraudulent purchases were made with my debit card. I realized this when I received an email from Chase bank and I immediately cancelled my debit card. The next day I called Chase 's fraud department and walked through my transactions from the previous few days. I learned that aside from the fraudulent purchases that were already made, many more had been attempted before I cancelled my card. 

The successful fraudulent purchases made are as follows XX/XX/2021 - XXXX - {$5.00} XX/XX/2021 - XXXX - {$10.00} XX/XX/2021 - XXXX XXXX {$25.00} XX/XX/2021 - XXXX - {$50.00} XX/XX/2021 - XXXX - {$100.00} 5 fraudulent charges all to XXXX totaling {$190.00} Chase gave me a temporary credit of {$190.00}. About a week later I learned that I had lost the fraud claim with no explanation from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received a phone call and the caller id said it was my electric company. They stated that I need to make a payment so I sent the money. It didn't feel right so I called the electric company directly and they immediately said it was fraud and to contact the bank. I called the bank and they said that they couldn't help me because it was done thru XXXX and to contact XXXX. I then called XXXX and they advised they couldn't help be because it was thru my bank app and not the XXXX app on my phone. Now I have lost {$490.00} because I was threatened to have my electric turned off and I don't understand why the bank can not help or get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo failed to resolve my online banking password reset request for more than a month. I had the following Wells Fargo case numbers on dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX XXXX Wells Fargo failed to resolve my case on time and caused great harm to its customers.

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 2021-03-22 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: CA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation