vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/2021 - I was the victim of a scam via Cashapp ( three {$200.00} transactions ). I immediately ( within 30 minutes ) reported the fraud and cancelled the card. Cashapp was made aware of the problem but did not take action nor did they refund my account. They simply sat on the issue until the XXXX and refused to refund the account because " the transaction was already completed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Entered Motion to Open Default Judgment on XX/XX/21 in court of common pleas and Judge still has not opened or viewed case discrepancies, complaint and continues to allow unlawful illegal and severe misrepresentation on behalf of the counsel hired by XXXX. There is no legal assignment of mortgage to Deutsche Bank National Trust Company ever received per the FDCPA, FCRA, RESPA and other state and federal laws stipulate. Case needs to be reviewed by another judge other than Judge XXXX XXXX as this judge is very biased and refuses to apply legal laws that protects homeowners and citizens in the commonwealth of Pennsylvania.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
My ex husband took out a automobile loan in my name - after seeing it on my credit report he agreed to make all payments. We had a divorce settlement in 2020 which he took full responsibility of the debt. The automobile was financed under my name and social- it appears solely on my credit reports. At the beginning of the pandemic the company sent emails to consumers encouraging to call in and set up payment arrangements if necessary. I called in and asked to extend my due date to the XXXX - not a partial payment arrangement. She said that wouldnt be a problem. I asked her if payments would be marked late- she reiterated that it will NOT as long as it is pod by the XXXX. After years of paying - 4 months ago over 5 late payments appeared on my credit Report in the midst of a mortgage approval and three weeks away from closing. My credit score went from XXXX all the way down to XXXX and I will seek legal action if they dont resolve this. They are claiming that the payment for the XXXX was supposed to be a one time payment and that makes no sense, I record every call between me and this company after a bad experience with them years ago. I would like to upload the recordings along with my dashboard so that you guys can see the timeline of how they have been financially abusing my credit report as well as my loan officer can testify to this that this is complete consumer financial abuse by a company that is known to do this. They have no customer service, their representatives are limited educated individuals trained in collections. The judge ordered my husband XXXX XXXX to take over that and responsibility of this account, I sent in a copy of the divorce settlement and called in over a year ago - their response to me was that they have no department that deals with us.

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Summer of 2020 i did not receive a statement from a credit card company for XXXX informed the card company they refunded the missed payment fee but reported the missed payment to the credit bureau subsequently my credit rating went from XXXX to XXXX and to this date is only XXXX this was during the height of covid the bank was barkley

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My XXXX  mortgage account has been reporting inaccurately and the credit reporting bureaus are using all kinds of unethical tactics to tank my score. This account has been marked as a bankruptcy account with no balance, closed with a balance, closed without a balance, reported with late payments, reported with 444 months, etc. This is a direct violation of the FCRA.

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 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-09-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a Paypal account with promotional balances. I made the standard payment which the company allocates payment to their discretion. However, I made another payment to pay off the balance of {$180.00}. The credit card company refuses to post my extra payment to my request. I have called several times and each time I am told they will look into it. It is a month now and a new payment is due. I demand my additional payment be posted to where I request 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 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I did a consumer credit transaction with JP Morgan Bank Title 15 U.S. Code 1679a ( 2 ) The term consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.

I filled out a Credit Application with JP Morgan Bank They did not approve me but I have the credit not them JP Morgan Bank A National Bank Part Of The National Banking Associate National Bank Act does not authorize JP Morgan Bank to lend credit Title 12 U.S.Code 24 sets forth powers of national banks.

Howard & Foster Co. vs. Citizens National Bank of Union, 133 S.C. 202 ; 130 SE 758, ( 1927 ), it was stated, It has been settled beyond controversy that a national bank, under Federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another.

In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. Farmers and Miners Bank v. Bluefield Natl Bank, 11 F 2d 83, 271 U.S.669.

I use my federal credit card information on the credit application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I put a mortgage in pandemic forbearance with Mr. Cooper ( Nationstar Mortgage ) in XXXX of XXXX. I have continued to make ongoing payments to this account throughout the pandemic however the account is not current. The payments made to the Nationstar Mortgage have been made through XXXX  XXXX XXXX Bill Pay. 

ALL OF THESE PAYMENTS HAVE BEEN ROUTINELY APPLIED TO MY ACCOUNT UNTIL XXXX OF XXXX. 

In XXXX of XXXX I began reaching out to Nationstar to bring the account out of forbearance. I told that I could make additional payment of {$3000.00} and {$2800.00} in the month of XXXX and then be enrolled in a post forbearance repayment plan that would be roughly {$3400.00} a month for 6 months. During 2 recorded conversations I was assured I would be able to do this beginning in XXXX of XXXX. 

On XX/XX/XXXX and XXXX I made payments of {$3000.00} and XXXX per agreement on a recording line through my bill pay ( as I have done for years ). As of XX/XX/XXXX, the payments had not posted to the account in question however they did accept payment on an account that was not in forebearance. 

For 15 days the money I paid on the account has not posted and I opened an inquiry with XXXX  XXXX XXXX. Multiple calls to Nationstar and emails of data with proof of payment did not move Nationstar and they continued to blame XXXX  XXXX XXXX. 

on XX/XX/XXXX XXXX  XXXX XXXX provided proof that Nationstar had REJECTED THE PAYMENTS. 

I made online payments of {$3000.00} and {$2800.00} on XX/XX/XXXX while on the phone with Nationstar, they are in agreement that the payments are pending posting. 

on XX/XX/XXXX I again reached out to the Pandemic ( Loss Mitigation ) department to confirm I would be able to be enrolled in a pandemic program as was discussed in XXXX of XXXX and I was told I would not be able to enroll in the program previously discussed and the company does not provide accurate information or a program for my bringing the account current. I am reaching out to your agency to investigate their business practices as it relates to pandemic forbearance and repayment of loans impacted by the global crisis. 

My questions : why were my payments rejected in XXXX Why have I received no written notification of my repayment options and why do the terms and payment amounts change every time I reach out to them What are the standard guidelines they are using to help bring homeowners current

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Applied Data Finance, LLC
State: TN

Complaint narrative:
This all began in XX/XX/2021 if my memory serves me correctly. I receive a call from this lady telling me that she is collecting money from me that I owed from a personal loan company. Due to the pandemic, I was unable to continue paying the loan and it went to a 3rd party agency I guess. This lady was extremely rude. It was oppressive speaking with her, as I felt berated by her tone. Anyway, I setup arrangements to pay bi-weekly and honestly it was because the woman freaked me out. She acted as though she was an attorney and like she was threatening me with actions that she legally can not do. she intentionally set up the payment on my pay dates and would attempt to withdraw the funds before my bank even processed my pay. I received several calls from my bank inquiring about the agency. I honestly don't even think I owe the amount she said I did. I honestly feel as though she is a scammer and I don't know what to do. I would welcome the opportunity for someone to be on the telephone when she calls to witness this rude oppressive harassment. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NY

Complaint narrative:
I have sent Equifax dispute letter and in XX/XX/2021 with no action and proper investigation has taken place. I sent another affidavit with evidence showing the errors on my credit report and asking ask how if any there verification has been done, This letter was sent on XX/XX/XXXX XXXXand still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
THis is XXXX XXXX SSN # XXXX. I have been sending you dispute letters but it seems that I am not being taken seriously. i sent you the letter clearly stating the inaccurate information but you dont seem to be doing anything! these errors shouhld have been here in the first place but even after asking you to investigate it, youre ignore them. I am going to take legal action if you continue with your negligence.

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 2021-09-16 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: PA

Complaint narrative:
THis is XXXX XXXX SSN # XXXX. I have been sending you dispute letters but it seems that I am not being taken seriously. i sent you the letter clearly stating the inaccurate information but you dont seem to be doing anything! these errors shouhld have been here in the first place but even after asking you to investigate it, youre ignore them. I am going to take legal action if you continue with your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was told that this information was no longer on XXXX but it still is reporting. I have sent in documentation for identity theft paperwork also paperwork from other reporting agency 's stating it's not reporting. it's also reporting on Transunion as well.

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 2021-09-16 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I have been a victim of identity theft and there was a checking account established with XXXX XXXX  with a line of credit attached that they used to overdraft the fraudulent account. I have tried to contact Chexsystems in getting the item removed but have been unsuccessful there was also some inquiries with XXXX XXXX XXXX that was showing as well I never applied for anything with that credit union.

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 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK

Complaint narrative:
I requested a payoff of my mortgage. I was refinancing with a new company at a reasonable interest rate and receiving a cash back amount. 
Current - Rushmore Mortgage- My interest rate now is 9.93 % The payoff came on XX/XX/XXXX and it included XXXX as short interest. I inquired as to what this was. I was not given a report or letter on what this is. 
XX/XX/21 Requested in writing of a detailed report for this amount. 
XX/XX/21 Receipt of acknowledgement of my request and it would take 30 days to get a response from them. 
XX/XX/21 called and was told it would be sent out that day ( Friday ) or on Monday. 
XX/XX/21 Called and requested the information again. I was told it would be sent that day. 
XX/XX/21 ( dated letter ) Received a letter with the corporate fees listed. ( I did not request this ) XX/XX/21 Called to request the correct information and advised they sent information I did not request. 
I can not get my interest rate reduced from Rushmore. 
I have stopped my refinance because that amount is greatly increasing a new loan. 
The payoff is XXXX as compared to XXXX with short interest

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo denied my fraud claim without explanation. There were several charges to a XXXX XXXX XXXX, atm withdrawals at the same place and everi charged from the same merchant. I notified Wells Fargo immediately after being discharged from the hospital. Wells Fargo never sent me text messages to ask if this was fraud. Never detected unusual activity while I was hospitalized the card was stolen. Wells Fargos policy is {$0.00} fraud liability. In the policy it states if you are hospitalized and cant report it right away they will extend when you can report it. Ive never visited this merchant nor did I make these withdrawals. Wells Fargo never temporarily credited my account. Wells Fargo cant provide me proof I made the transactions either. I never signed anything with this merchant and I didnt have the card I was sick in the hospital. I dont authorize these transactions. Wells Fargo goes against their own unauthorized policies. They waited till the 10th business day to deny the claim without explanation. Never called me to discuss the claim. I called this merchant and they dont have any proof it was me either because it wasnt and like I told them where is the proof then? No proof is available. Yet Wells Fargo doesnt take fraud seriously nor do they care for that matter. I dont authorize these withdrawals and I didnt receive anything from these transactions. Its redicules they say you authorized it when your hospitalized and had no way to authorize it. 
ATM/Debit/Prepaid Card Claim Reference Number XXXX RE : Debit Card XXXX Thank you for your patience in the time required to review your claim. We have completed our investigation of the claim regarding your Wells Fargo account XXXX. We have sent a detailed letter by mail. Please refer to the letter for more information. 
If you have further questions after receiving the letter, please call us at XXXX. Our hours are : Monday Friday, XXXX XXXX  to XXXX XXXX  or Saturday, XXXX XXXX to XXXX XXXX Eastern Time. 
Thank you for choosing Wells Fargo. 
Sincerely, Wells Fargo Claims Assistance Center

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 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
On XX/XX/2021, I sent an instant transfer to my debt card. The transaction was successful but the money never made it into my account. After 3 days, my bank was able to verify the funds were successfully transferred but I exceeded the daily and monthly limit of the transfer. Mastercard also was required to hold onto the funds for 8 business days. On XX/XX/2021 my bank released my money back to cash app as a charge back ACH. I was given the reference number and trace number to provide to cash app. It's now XX/XX/XXXX and I still have not received my funds back in the amount of {$2500.00}. Cash app will not take my information of the reference and trace numbers to help me locate my funds. I'm being told by 1 Department they are still in progress of working on it and they will email if they need any additional information. To this point nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: TN

Complaint narrative:
EQUIANT FINANCIAL SVCS XXXX - This account is not authorized and is therefore fraudulent. I only agreed to in-house financing and not third party loans. My information was provided to this company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested verification of this account. This has not only caused us much financial hardships, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CashMax LLC
State: TX

Complaint narrative:
Hi someone took a loan out in my name and I owe XXXX. I think my wife did it without my consent. My wife told me it was fraud and she didnt take it out in my name. I suffer from sever mental illness and dont remember giving her consent at all. Please everyone be careful with your information and dont give it out period to anyone or you will be in my shoes with a loan in your name that you never took out or authorized.

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