vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
On about XX/XX/XXXX we applied for a mortgage to purchase a property in XXXX XXXX, XXXX XXXX. We were told that Flagstar required only a 10 % down payment and a survey was NOT required. After we applied for the mortgage, on XX/XX/XXXX we received an estimated closing cost for {$55000.00}. The estimated closing costs were revised several more times. On XX/XX/XXXX, we received an estimated closing cost of {$86000.00}. Then on XX/XX/XXXX the closing cost again changed to {$47000.00}. None of these closing costs estimates matched the estimates of our attorney at the time. The estimates were all much higher. The whole process with applying for the loan presented problems. Each time we were told the loan would be closed as soon as we sent document A and Document B. After we sent these documents, then it would be just send document C and document D. Initially based on the initial closing cost estimates the loan was expected to close on XX/XX/XXXX but that did not occur. Finally, there seems to be some fraudulence in the ever changing estimated closing costs and that Flagstar gained representation by our very own lawyer XXXX XXXX. I was notified by the attorney I hired, XXXX XXXX on XX/XX/XXXX that he was no longer representing us and that he would be representing only Flagstar Bank in this transaction. He informed me that Flagstar had contacted him to represent them and he accepted their offer. I learned this information upon trying to determine who hired a surveyor company to survey the property without informing me. It was Flagstar bank. This was surprising because Flagstar ( XXXX XXXX ) told us a survey was not required. After learning that we no longer had a lawyer, our loan officer sent us an email stating all they needed to close was the title and they were unsuccessful in getting in contact with MY lawyer, who was really their lawyer. After informing our loan offer that we no longer wanted to proceed with the loan due to all the false information and inconsistencies, we received an email promptly stating they had received the title. All of the challenges with closing this mortgage has led us to the conclusion that Flagstar Bank is involved in fraudulent practices.

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 2020-03-31 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: GA

Complaint narrative:
I checked my credit report and it said I missed two payments for a company I have never done business with.

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 2020-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MN

Complaint narrative:
I have a Department of Education Student Loan that is being collected from the Professional Bureau of Collections of Maryland Inc. I am being garnished and the agency is charging 25 % fees. Currently it goes directly to voicemail. My employer advises the garnishment will continue with out notice, even though federal Covid Relif Act was passed. How do I stop the garnishment and why can Department of Education Loans have no limit for the amount they can charge for fees. Seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: AL

Complaint narrative:
I am being harassed by First Source Advantage LLC. for payment on a credit card that I am making with XXXX XXXX for $ XXXX/month. I have written letters showing I am making these payments

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
In XX/XX/XXXX I sent XXXX EUR to a Church in XXXX trough Pay Pal, in XX/XX/XXXX I sent another XXXX EUR and the last transaction I sent XXXX EUR in XXXX XX/XX/2019, all this money I sent was for the building project of the Church. They have been trying to retrieve the money with no success, every time the Pay Pal in XXXX demanded a different document, when they { church cashier } realized that will not be able to get the money they informed me and I tried to request the money back, but on the church 's Pay Pal account they don't have the option to approve the return, only that the account is unverified, unable to get them to prove the return I escalated the case with Pay Pal and shortly I received this " We have reviewed this transaction ( s ) and are denying your case ( s ). Cases must be filed within 180 days from the date of the transaction. The decision to deny was made because the case was submitted after the 180-day deadline. Therefore, we are unable to offer a resolution toward this matter at this time '' I don't know what my options are at this point, in XXXX they cant receive the money and here I was denied. 
Please help THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: TX

Complaint narrative:
Please refer to ID Theft report

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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Company : Equifax Complaint : Equifax has refused me access to my account after verifying my identity on multiple occasions. I have mailed the required documents to the provided address and answered their questions via internet and phone. Even after following their steps they still refuse me access my account or credit report. I have tried for months now but, they will not contact me and I have tried everything possible. They are refusing to allow me control, access and legal privileges of obtaining and disputing info on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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:
Subj : Dispute filed : XXXX  XXXX XXXX Mortgage Last Four of Acct # XXXX XXXX  XXXX XXXX Mortgage last four of acct # XXXX is reporting on my credit report that I had missed XX/XX/2019 payment. I have provided my XXXX electronic bank receipt that show my payment was made on time and XXXX  XXXX XXXX has provided several letters stating the reported late payment needs to be deleted, but EXPERIAN has refused to correct the error and this has caused me to be disapproved for a loan. My acct with XXXX  XXXX XXXX Mortgage Last Four of Acct # XXXX is current AND THERE WAS NOT A MISSED PAYMENT FOR THE MONTH OF XX/XX/2019. Im requesting that the incorrect information be removed from my credit report and my acct be reported as current for the month of XX/XX/2019. 

Respectfully, XXXX 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 2020-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX XXXX ( PayPal name, Email : XXXX, Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States, Phone Number : XXXX ) bought a jacket from me and the transaction was done through PayPal on XX/XX/XXXX ( Transaction ID XXXX ). The Jacket sold for $ XXXXOur conversation initiated on XXXX, an online shopping app. He then asked me if I want to do the transaction on PayPal instead. The transaction was fine until XX/XX/XXXX when he issued a claim on PayPal, stating that the jacket was not as described. He wore the jacket and then resale to someone else. The next buyer found the jacket was worn and asked XXXX to return. Hence, XXXX  file a claim through PayPal to return the jacket. PayPal decided to reject his claim after going through the case and details. However, they finally charged my money back because XXXX XXXX issued a dispute to his credit card bank. The bank took the money back from PayPal and PayPal had to take the money back from my account. PayPal said the only thing I can do now is to wait for the decision from the issuer 's bank or to sue him. 

I found this case a total fraud as XXXX XXXX himself was wearing the jacket after he received it from me, according to several pictures he posted on social media. Also, there can't be any damage as he described because when he posted the jacket online for sale, he said it's brand new and no damage at all. 

Please find the essential evidence of my original XXXX post, screenshots of our conversation, pictures of him wearing that jacket, screenshots of his online shop posting the jacket and PayPal solution. 

For now, Paypal decided to refund the money from my account, and didnt ask the buyer to return the jacket. Paypal charged me {$1400.00} from my account and I also lost the jacket.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: GA

Complaint narrative:
I checked my credit report and it said I missed two payments for a company I have never done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: GA

Complaint narrative:
I checked my credit report and it said I missed two payments for a company I have never done business with.

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 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have repeated Calls and letters to collect debits. It has been happing from XX/XX/2017 to present. Amounts range from $ XXXX {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Mortgage Company, JP Morgan Chase Mortgage gave a seller a privilege to sell their property through a Short Sale. The value came to {$640000.00}, but the approval letter was {$720000.00}, but that buyer walked away. 
We have a new buyer, the FULL Appraisal Value came to {$660000.00}, but JP Morgan Chase Mortgage did a Broker Price Opinion, BPO, that gave a value of {>= $1,000,000}, and we disputed it with a real appraisal report, but Chase insists on a {>= $1,000,000}, which is an effort to frustrate the Short Sale. 
One of our contention is that the property could not have increased in value from {$640000.00} two weeks ago, during this Corona Virus period, by over 50 %. 

There is no way a property that appraise XX/XX/2020 for {$640000.00}, no suddenly appraise for {>= $1,000,000}, XX/XX/2020. They should notice that error and address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX practices financial fraud on its consumers in general and me in particular. 1. While I had cellular service with XXXX they made several attempts to overcharge the monthly bill until I was able to identify the error. The MOST disturbing incident was the incident that caused me to leave XXXX. I purchased a phone from XXXX online for my son and added him to my account. When the phone never arrived, I tried to remove the charge from my XXXX bill unsuccessfully. I finally called the credit card to reverse the charge and which point XXXX added the {$200.00} bill for the device to my bill and tried to convince me that it was a result of a returned payment. This was only 1 of many times, they've tried to add additional money onto the bill. 2. I finally left XXXX and went into a XXXX store to start service only to learn that XXXX locked a device that was a. neither purchased from XXXX nor b. owned by XXXX in an attempt to prevent me from leaving their company. It took hours to get a supervisor to unlock the device. 3. On XX/XX/2019, XXXX ( my personal banking institution ) contacted me to alert me that {$620.00} withdrawals were being attempted by XXXX on both of my checking accounts. Neither of these drafts were authorized by me. 5. On  XX/XX/XXXX, my XXXX credit card alerted me that XXXX was trying to make a withdrawal on my credit card for {$620.00}, again a transaction that was not authorized by me. I soon realized that XXXX  was making an unauthorized attempt to charge every card I've every used to pay my XXXX bill over the 2 years I was with them. 6. They sent the account with an incorrect amount to a collections agency whom I have no contract with and is now reporting on my credit report. 7. I immediately posted this on a credit repair group on XXXX only to learn that XXXX practices this regularly and has been getting away with this from thousands of its customers who chose to leave their company. This is a major act of Financial FRAUD.

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 2020-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There was a fraudulent debit on my checking account at a XXXX gas station in XXXX California on XX/XX/XXXX for {$99.00}. I am not in XXXX California and my card is with me. I placed a claim with Citibank on XX/XX/XXXX and was promised a provisional credit within 10 days. Citibank has not provided the provisional credit has not resolved the claim and had not researched the fraud. I have called 4 times, reached out through their website, their online banking service, and through social media, and no-one can help. It is now XX/XX/XXXX, and when I called today, I was told we are still researching the claim and it will take 48 hours. This is the THIRD time I have been told this exact same 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 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have repeated Calls and letters to collect debits. It has been happing from XX/XX/2017 to present. Amounts range from $ XXXX {$3000.00}

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 2020-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I was divorced in XX/XX/XXXX. In the Settlement Agreement, my ex-wife and I each received certain assets and their related liabilities. One of the assets my wife received was a XXXX XXXX XXXX that was being leased from GM Financial Leasing ( GM ). She assumed the responsibility for the lease, and made the payments following the divorce. She ended up turning the car in early because she had a lot of miles on it, and there were charges related to the early termination that she apparently didnt know about. She acknowledges responsibility for those charges, which are around {$7000.00}. 

Unfortunately, she never transferred the vehicle out of my name, and when she didnt pay the charges ( which I knew nothing about, and for which I was not responsible ), GM put the default on MY credit record. This is the first negative credit report I have had in my life and my 45+ years of making payments on time. 

I refinanced my mortgage a few weeks ago, and during that process, learned about the negative charge on my credit report. I can provide you with the notice I received from GM through the mortgage company, and I can also provide the section from our Divorce Settlement Agreement which clearly shows that my wife is responsible for the payments related to the XXXX XXXX lease ( which she does not dispute ), and that she agreed to defend me and hold me harmless for any liability related to it. 

I need to have this negative charge removed from my credit reports as soon as possible. It is affecting my livelihood, which is commercial real estate development. GM told me that they already written the debt off. If they want to pursue my wife for the balance, that is their choice. She will not fight it ; she has agreed to pay them. I have nothing to do with it, and any negative statement or comment should be completely removed from my credit reports. The rep from GM said that if my wife pays it, they will change my credit record to say " SETTLED. '' That is NOT acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is in regard to an XXXX  sale of {$1600.00} involving two large speakers. Payment was made in full on XX/XX/2019 with Buyer arranging payment through PayPal. PayPal released funds to me after the mandatory hold on XX/XX/2019. Two months later, on or about XX/XX/2019, PayPal notified me of a dispute with Buyer and asked for documentation to assist in resolving the Buyer 's issue ; documentation was sent immediately. On XX/XX/2019 PayPal notified me of decision by Buyers bank to reverse the purchase charge, demanding I add funds to my PayPal account to resolve the negative balance. 

Buyer refuses to return merchandise claiming speakers were not as advertised. They were. Photos taken before the sale ( at Buyer 's request ) and after were sent to Buyer ( and later, PayPal ). Buyer first filed a claim with XXXX claiming speakers were damaged in shipment ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition PayPal will not release any transaction details ( Buyer 's bank or credit card company, correspondence between PayPal and Buyer 's bank or credit card company ). PayPal 's Resolution Dispute Department in woefully inadequate, unavailable and not interested in customer satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My loan was recently acquired by this company and completed a trial Loan Modification with my previous lender. It is now approaching 60 days I still have not received the final documents.I have been on hold trying to speak with a representative for the past 3 hours. I finally got someone to answer the phone and she said that she needed to transfer me to another department. Once I was transferred I waited another hour and was then I was told that It is not my fault that you have been transferred to the wrong department and the she transferred me again! I didnt get a word in! 

This is unacceptable! I am confused as to how customer service representatives are able to disrespect customers this way. I have been patient and respectful and NO-ONE should be spoken to like that. 

I am requesting someone to get back with me on this asap. I can not believe how poor the service is with 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 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Hello, I paid off my loan with Freedom Mortgage in XXXX of XXXX. I am due an escrow refund of just over {$1700.00}. They originally sent the check to the wrong address. Since that check, they have lied to me and told me they reissued it and sent it to the correct address. Well, it is now about to be XX/XX/XXXX, and I still do not have my money.

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