vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My mortgage modification was started last XXXX and set to begin in XXXX with a new payment. I provided the paperwork, signed, witness by notary public in XXXX. Freedom never acknowledged and after a few phone calls I found out they had a problem with a mark the notary made and didn't tell me. I requested another notary come out so we could resign and submit paperwork. That was done in early XXXX. I had begun making my new payment amount in XXXX ( and have in XXXX and XXXX, as well ) but the account doesn't reflect any of my modification. It shows " severely delinquent '' and I've received tons of mail communication about how much I owe and what will happen if I don't pay. I've sent over 13 messages through their system ( unanswered ) and called numerous times to get things on track and get answers as to when all of this will be corrected so I can set up recurring monthly payments and actually see where my money is going and what I still owe, and they lie every time about contacting me back to confirm. I've had several dates they promised an update and never gave it. Last week I spoke with 2 escalation agents, one set an appointment in the system for someone from XXXX to contact me and I took the time out of work and no one ever called. I called back the escalation agents and was promised another follow-up call that never came. This company seems to have no interest at all in the well-being of the customer. This has cost me in terms of money, time lost and now health issues. They also flat-out lie about there being a single point of contact working my case with familiarity on all the communications, as each time I've spoken to someone different and they've even stated that's not how the system is set up. So, every single phone call requires me to re-explain the entire history and I can't deal with this any more. They don't deserve my money in the meantime because they're clearly not providing the service they promise. Today, I discovered that they've reported me as 180+ days late on my payments- but they've had the full payment required under the modification terms each month since the modification was supposed to start! They're ruining my credit and they're the ones who can't seem to just finish their own process! I've done my part and continue to, no matter how difficult they make 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 2022-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
When I finally got the help I needed to make consistent payments with a Fed Server, the government shut things down r/t COVID 19. I continued making my payments only later to find out that the government transferred my account to MOHELA. I continued making payments with MOHELA but no longer can because of the long phone call wait time and now I can't logged into my account to get information about my loans. My account either freezes or locks me out. It's important that I let them know I have moved! I had a better communication with my previous Fed Loan Server and monthly auto payment setup that was working great. This was not necessary for the Federal Government to just change my Server as though my opinion doesn't matter concerning my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The 3 credit bureaus aren't investigating disputes. I file a dispute about 7 missed car loan payments. I had arrangements set up with the creditor to defer payments due to covid-19.

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 2022-03-23 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: WA

Complaint narrative:
The 3 credit bureaus aren't investigating disputes. I file a dispute about XXXX missed car loan payments. I had arrangements set up with the creditor to defer payments due to covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2022 I requested a limit increase on my visa signature cashrewards account. I was notified by mail that I was denied due to " reaching Navy Federal 's maximum unsecured credit card limit. My limit is currently {$15000.00} and I know for a fact that Navy Federal has accounts that exceed that amount. This information was false and misleading. They also pulled a consumer report from XXXX who reported negatively on my behalf without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Hello, I have to collections on my credit reports from a company by the name of LVNV FUNDING LLC one in the amount of {$400.00} and the other {$790.00} from XXXX and XXXX. I am unable to work due to one of my children becoming sick and XXXX. I am now forced to use his social security for me, 4 children to make a living off of I am unable to pay any of my debts old and Im just wishing someone could please help me get these debts removed. I also have collections from XXXX ( XXXX XXXX XXXX ) for {$420.00} from XXXX and one from XXXX XXXX XXXX for {$430.00} in XXXX please help me get this removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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 am an ongoing victim of identity theft. I subscribed to XXXX XXXX to monitor my credit. After receiving an identity theft alert from them I reviewed the inquiries on my Experian credit report. I identified 11 fraudulent inquiries. Experian told me I would have to contact each creditor to request a Letter of Deletion to remove the erroneous information. They said alternatively, I could obtain an FTC number and provide them with it and they will remove the inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-23 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: WA

Complaint narrative:
XXXX open date XX/XX/XXXX, XXXX XXXX  open date XX/XX/XXXX, XXXX XXXX XXXX open date XX/XX/XXXX, XXXX XXXX open date XX/XX/XXXX, XXXX XXXX open date XX/XX/XXXX, and XXXX XXXX XXXX open date XX/XX/XXXX. 

The accounts above keep coming back as verified when Experian investigates the accounts. I have sent letters to all the creditors above to verify myself and the creditors can't verify the accounts. I'm not even in their database. So I don't know how Experian is verifying the accounts.

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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: NM

Complaint narrative:
I tried applying for an apartment this month. I got denied for this apartment because of a collection that is almost 7 years old and was disputed for misinformation and closed approximately 2 years ago but the apartment complex I applied for said it still showed up. They said to contact the debt collector and see what was going on. When I did this I spoke with a gentleman and explained to him this was closed due to misinformation. He proceeded to tell me that he contacted the other party of the debt ( my roommate ) and verified MY DEBT so now it will be reopened and back on my credit. He then asked for my mailing address and I denied this and hung up. Approximately 2 weeks later ( today XX/XX/22 I receive a letter for them attempting to collect the debt once again and saying I need to send information for my reasoning for disputing it. It was already disputed and taken off! And how did they/why did they get my mailing address to harass me more. I asked them 5+ years ago to leave me alone. This is very unacceptable to me, especially verifying my debt with a third party that has absolutely no say in this as they owed this debt too and just never disputed it. They also raised the debt by {$2000.00} once they obtained it from the original creditor and I believe that is illegal as it was damages and should not have gone up that much for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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
State: FL

Complaint narrative:
I have been using PayPal since XXXX. I used it for many years to buy items online and also to purchase sports cards for my hobby. During XXXX and XXXX, the sports collectables industry experienced a huge boom. So my hobby essentially turned into a business due to the huge increase in demand for sports cards. I mainly focused on selling soccer cards. During XXXX and XXXX, my transaction volume and amounts increased tremendously in comparison to my previous use since I started buying and selling sports cards at much higher prices. During these 2 years, I buy and sold hundreds of cards online to people all around the world. Unfortunately, as the amount of my transactions increase so did the probability of encountering problems with sellers and buyers. On several occasions, I had to deal with fraudulent buyers and sellers sending me fake cards, damaged cards, different items, and even lost packages by the post office. All of these issues become huge problems for me because they were high valued items. Sports cards ranging from {$100.00} to {$8000.00} each. Every time I had any issues, I had to open a dispute with PayPal to either return an item and get my money back if I never received the item that I purchased. Due to the increase in my transactions, I naturally encountered more problems since I was dealing with numerous sellers from around the world. Once day, PayPal closed my account without any explanations and told me that they could not give me any explanations to why they closed my account. I was banned from PayPal and my business was ruined since I can no longer buy items safely from sellers around the world. Now my source of income has gone down significantly because of this and it has been a huge issue in my life. PayPal was crucial for my business and the damage that they have done to me is irreparable. The amount stress and the amount of time that I have had to put into dealing with this has been horrible. I have spent months dealing with claims with my bank trying to get my money back for items that I never received or that arrived damaged. I also lost thousands of dollars for certain transactions that I was not able to open a dispute since my account for closed. Overall, this has been a huge nightmare for me and I am going to do whatever I can to make sure that PayPal fixes or pays this. They have ruined my life and my business and I will take legal action if necessary. I tried contacting them several times and they never provided an explanation or tried to help me in any way even after I offered to show them proof of everything that I stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit
State: NJ

Complaint narrative:
On about XX/XX/XXXX I tried to contact Volkswagen care and credit telling them Im permanently XXXX which left me without a job, collecting XXXX and losing half of take home every week. My wife had to get a job jus to help me with my bills. Volkswagen denied me any option to trade it in or lower my monthly payment. I sent them all proof they required still cant afford the payment today

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Received text message from someone who claimed to be a representative from Wells Fargo. 
" It said Did you authorize a purchase through XXXX for {$3500.00}. And then it said type Y for Yes or N for No, '' My husband typed N and immediately called Wells Fargo bank while explaining the situation to a Wells Fargo rep we were receiving a phone call, we asked the rep if we should answer the call because it was a Wells Fargo customer service number and we even read the number back to her. The rep told us yes to answer the call. The person on the other end spoke exactly like a Wells Fargo employee. He told us our account had been hacked and explained how they were going to reverse the fraudulent transfer by having us send two transactions to ourselves. They said Im going to email you a number and youre going to read it back he then had us type in the recipient name in the XXXX app as ourselves and summit the transfer. I questioned him if this was truly Wells Fargo and he had me confirm the number on our debit card. When asking again he immediately hung up and the money was gone. Called Wells Fargo immediately back to file claim. Multiple claims have been filed with Wells Fargo all to be denied. Complaints submitted to Wells Fargo with no response until recently we received an apology letter. We have submitted a previous complaint with CFPB. Police report filled. Also have spoken with branch manger and banker that report they were working on claim and were trying to reach XXXX  XXXX XXXX. Today XX/XX/22 have reached out to local news station for assistance. There are several stories in regards to the same scam and individuals have been reimbursed and others not. How can this be justified when its the same scam?

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/2022 I requested a limit increase on my Apple Card. I was denied because I did not cover a significant portion of my monthly balance. My credit utilization at the time was less than 15 %. I know this adverse action was unlawful was because I know my rights as a consumer that I can not be denied an extension for my own credit. This card is used to get me through school and pay for books and this is causing mental anguish. XXXX also provided them a copy of my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: CURO Intermediate Holdings
State: LA

Complaint narrative:
This account was paid in full and I was advised that it would be removed from my credit report. I also continued business with this company after the account was paid. I would like it removed permanently.

Company response to consumer: Closed with explanation