vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
This is the third compliant I filed against PennyMac Loan Services , LLC . In the previous two complaints, I reported the unfair and possibly racially driven discriminatory treatment I received from PennyMac employees for an unusually extended period of time ( more than 120 days ) while I applied for refinancing mortgage loan. The company 's responses to my previous two complaints were lack of responsibility and accountability and did not even acknowledge the problems I complained about. Only after I elevated it to the company 's CEO, did the PennyMac employees start to take some actions. 

The company 's Senior VP of Customer Experiences contacted me admitting all the problems I complained about ( except for racial decimation ). He agreed to send me a formal apology and provide compensation for the financial loss I incurred due to the extended delay and unfair treatment in processing my loan application. I also received a letter from PennyMac 's complaint specialist confirming Senior VP 's promises. 

But three months passed since my conversation with Senior VP and receipt of the company 's letter, I still have not received the compensation check that the company promised to send in 10 business days ( from XX/XX/2021 ). I contacted the complaint specialist numerous times, she never responded. Two weeks ago, I got hold of the XXXX, he continued to promise the check be sent immediately. Two weeks passed and I still don't receive the check. The XXXX stopped taking my calls and simply disappear. 

Instead of getting the problem solved for customers, the company 's employees, including the executive of " customer experience '', have kept misleading me, breaking its promises and violating my consumer rights. Such unethical conducts are completely unacceptable! 

I attached the letter from the company as a proof of their acknowledgement of their wrong doing and their promises to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have attempted to contact company several time with no response. This is not my debt. I don't have an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: World Acceptance Corporation
State: TX

Complaint narrative:
This is a formal complaint against World Finance Corporation located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, World Finance Corporation has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-03-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have reached out the XXXX multipole time over 2 years to fix error in my credit report. other companies like XXXX fixed it right away but for some reason XXXX refuses to provide any proof the accounts are opened by myself. 
here are the accounts that are NOT mine Date : XX/XX/XXXX Bank : XXXX XXXX XXXX XXXX Date:XXXX Bank : XXXX XXXX/ XXXX Amount : {$920.00} Date : XX/XX/XXXX Bank : XXXX Amount : {$4900.00} Date : XX/XX/XXXX Bank : XXXX XXXX XXXX Amount : {$6300.00}

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 2021-03-17 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have reached out the Equifax multipole time over 2 years to fix error in my credit report. other companies like Experian fixed it right away but for some reason XXXX refuses to provide any proof the accounts are opened by myself. 
here are the accounts that are NOT mine Date : XXXX Bank : XXXX XXXX/ XXXX Amount:0 Date:XXXX Bank : XXXX XXXX/ XXXX  Amount : {$920.00} Date : XXXX  Bank : XXXX/XXXX Amount : {$4900.00} Date : XXXX  Bank : XXXX XXXX XXXX Amount : {$6300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TX

Complaint narrative:
Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedMar XXXX Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedNov XXXX Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedFeb XXXX Account XXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusClosed. 
Status UpdatedMay XXXX Account NameXXXX XXXX XXXX  Account XXXX Account TypeSales Contract ResponsibilityJoint with XXXX  XXXX Date XXXX StatusAccount charged off. {$220.00} written off. 
Status UpdatedAug XXXX Account NameXXXX XXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedMar XXXX XXXXremove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX XXXXremove above incorrect names, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX LOST XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX FAMILY ***remove above incorrect addresses, not mine, FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This lease or car loan from Santander has been totaled out from my insurance company fr auto thief and the balance showing is not correct. XXXX has paid over XXXX for the total lose of the vehicle. I've contacted Santander and XXXX and someone is stopping the payment from going thru. im unable to contact the claims department or supervisors to have my account updated and paid off. ive got emails asking to dousing the total lose claim for Santander from XXXX and every time I sign itit comes back as an error message and im not able to reach anyone in the claims department on my claim with XXXX or Santander. Can CFPB please investigate this. I just want this balance corrected and off my credit and reflecting the correct balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
My mortgage servicer refused to send me paper statements which is my preference. Also I think in violation of the law ( Truth-in-Lending Act and the Periodic Statement Rule ) My mortgage servicer : Specialized Loan Servicing. 

I called and spoke to agents about this on XX/XX/21 ( XXXX ) and XX/XX/21 ( XXXX ). My complaint was " escalated '' but no one came on the line during the 15 minutes I waited.

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 2021-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
NOT A DUPLICATE COMPLAINT : Case Number XXXX I am including the communication from Citibank regarding my complaint filed : This is still not resolved. My account is not active, like they stated over 11 days ago. When I called them about this, they claimed that it was not really active. I am still not getting any resolution from their side. At this point I am demanding that Citibank send my {$17000.00} deposit back to my other bank : XXXXXXXX XXXX. They even lied to me a month ago when I called them : stating that I would be receiving a check in the mail for the amount I sent them. I am done dealing with their lies & just want ALL my money back immediately. 
NOTE : I would also appreciate if you would leave complaints open until the complainant has a chance to respond to whether the issue is actually resolved. THANKS IN ADVANCE FOR NOT CLOSING THIS CASE UNTIL YOU GET VERIFICATION FROM MYSELF ( NOT CITIBANK ) THAT THIS HAS ACTUALLY BEEN RESOLVED.

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 2021-03-18 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 — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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 — Investigation took more than 30 days
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I reached out to Chase bank on a pending fraudulent charge and was told by the bank that they would put a hold on it and investigate the possible scam. Chase transferred me no less than 10 times over two days. On day 3 I was told I could only fight the charges via Chase 's secure messaging. Needless to to say that was XX/XX/XXXX and now I can not see any of the sent messages about the incident. After fighting for months ( XX/XX/XXXX ) - I received a letter on XX/XX/XXXX stating that Chase will be closing all my accounts. I go in today to screenshot all the messages I sent and Chase has deleted all my sent messages. This is been the most stressful experience in the 25 plus years that I have been with Washington Mutual / Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
Company reported collection accounts without giving me the proper written notification. Company sent notices to an address that i do not reside at. Company has refused to remove accounts. Company did not give me the proper written notice to dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft

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 2021-03-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This complaint is against Citi ( specifically their credit card division ) and is in relation to Dispute ID XXXX ( transaction amount {$810.00} ) on credit card, ending in : XXXX. I am outraged that the Billing Disputes of the bank refused to provide assistance in this matter, thus closing my dispute and telling me in a letter dated XX/XX/2021 that since " too much time has passed since the transaction was billed to me '', they would NOT be " able to investigate '' and that I would " need to contact the merchant directly ''. First of all, I do not care how much time has passed since the transaction was billed. That is IRRELEVANT. What is relevant is WHEN I informed the bank that there was an issue with this transaction. HOW MUCH time the bank takes to investigate is a different matter. I emailed Billing Disputes at XXXX about this transaction twice in XX/XX/2021 ( XXXX and XXXX ). Then I faxed to them a form they wanted me to complete and sign on XXXX. I faxed it to : XXXX XXXX XXXX. And on XXXX, they closed the dispute. 

The issue was : I purchased online merchandise from a XXXX business. The merchandise was UNSATISFACTORY for OBJECTIVE reasons. I returned it, and the merchant issued only PARTIAL refund. The merchant and I were in disagreement over whether there was something wrong with the merchandise. I emailed them several times about this. I told them I would accept ONLY a deduction for the return shipping label I used. It's true that I voluntarily chose to use their prepaid label. I would NOT, however, accept a deduction for original shipping cost. I can not lose nearly {$80.00} on a purchase of something that I NO LONGER have. I am stunned and shocked that Citi did no speedily resolve the matter in my favor. Banks, as third parties in a dispute, generally can not determine if there is indeed something wrong with goods because they are unable to inspect them themselves. Therefore, the rule of thumb is : if the customer can prove they returned the merchandise, they can receive full refund. I proved I had returned the merchandise. Therefore, what was your Billing Department thinking/investigating?!?

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 2021-03-17 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: Conn's, Inc.
State: TX

Complaint narrative:
This is a formal complaint against Conns located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conns has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 contacted Equifax 60 days ago by certified mail and have not received a response. I have an account on my credit report that is inaccurate and a deformation of my character because I paid this account in full before it was sent to a collection agency and before it was on my credit report. I sent the collection agency proof that was provided to me by the original creditor that I dont OWE ANY MONEY and have not received a response. And I am trying to utilize my credit to purchase a home and this INACCURATE account is holding me back. I also attached the proof that I dont owe a balance with deacon station and this was signed by the general manager. 

Account : XXXX XXXX XXXX XXXX Account Number : # # # # # XXXX Date Assigned : XX/XX/2019 Amount Owed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My sister and niece are buying my home and it took a month to get a closing date. The day before it was postponed 2 weeks. Four days before that date it was postponed again. Loan officer has been contacted multiple times to confirm most recent date, but has not responded.

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 2021-03-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have pulled my credit report and seen I had items that shouldn't be there after sending in letters over 63 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/2021 I had the sum of XXXX sent to my paypal account, immediately the money dropped into my paypal account, paypal threw my account to account limitation, then i called and explained the transaction and i was told that the limitation will be lifted with 24hrs to 72hours. 

I have made 5 calls to the very rude and inhospitable customer service representatives and i was assured that the limitation will be lifted. To my amazement on XX/XX/2021 the account was permanently closed with my funds in it, then i was told i can not claim my money for 180days! without any form of empathy! 
I even explained an emergency i had, but they were not concerned. 


I was asked to produce my passport, bankstatements etc, i provided all, but the bullies told me they have a right to close my account unjustly! 

There is XXXX transaction which i remembered is a survey platform that helps me earn money when i answer questions, they claimed it was fraudulent transfers. 
( see attached ) Kindly use your good office to claim back my money for me please, i am in dare need of it. 

I have provided them my International passport, my bank statement and all they required and i am ready to provide whatever they need, i do not engage in any fraudulent activity. 

I am amazed that a lot of people were disappointed that i use paypal, i never knew that paypal has made a very bad image of themselves in the public, i have had nighmares this few days as i am shocked that we have extremely wicked and unempathic customer service or limitation team in existence in this 21st century, this may affect paypals going concern in the future. 
Find below the history of my qmee transaction history. 

I am a fraud investigator by profession and i know you should know that when you suspect a fraudulent activity, you ask for evidence to be sent not rudely close your customers account with the hard earned money, will you be happy to have your own money locked up for 6months? how evil! 
Please you have frustrated me enough, and caused me sleepless nights, do not punish me unjustly, i need that funds as its for an emergency in this covid period. 

see attachment and if you need more evidences let me know, i am ready to provide it. 

XXXX

Company response to consumer: Closed with explanation