vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This has been an ongoing issue since 2018. My next step is to file a lawsuit against Experian. Experian is reporting a balance of {$12000.00} with a company called XXXX  XXXX XXXX. I received the official statement from the original creditor which is listing a balance on {$3500.00}. These two companies obviously can not have two completely different balances. I have sent multiple disputes that have came back inaccurately as verified.This is a violation of my consumer rights. you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks :

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 2020-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BlueChip Financial
State: VA

Complaint narrative:
XXXX XXXX contacted me in XX/XX/2020 about a payday loan on behalf of Spot Loan for {$1300.00}. We agreed to a pay off settlement of {$550.00} to be paid in 3 monthly installments. My first payment of {$180.00} was completed XX/XX/2020, My second payment was scheduled fore XX/XX/2020 but due to a financial hardship I called XXXX XXXX and moved my payment to XX/XX/2020, which XXXX XXXX agreed to. Both payments were successful. However, I was notified my Virginia Unemployment that my extended benefit would end XX/XX/2020. I called XXXX XXXX  to move my last payment of {$180.00} from XX/XX/2020 to XX/XX/2020. XXXX stated since I moved my last payment and this would be a second time to move my payment they would not be able to honor the settlement agreement. She stated that I would have to pay the full balance. I explained that I do not have a job and would not be able to pay. I just wanted to move the payment of {$180.00} to the end of XX/XX/2020. XXXX stated that her manager stated they could not set up any payments for anything else but the full balance. I am not working and not sure when I will be working again. I mentioned that I would not be able to pay anything until maybe tax time but it would not be guarantee. She noted that she would make a note that I would pay it during tax time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX I inquired with Wells Fargo mortgage about a forbearance. I was told due to the current pandemic, I do not have to pay for 3 months and towards the end of the 3 months, a Wells Fargo specialist would work with me to get these 3 missed payments, either at the end of the loan or break up payments and pay monthly in addition to my regular scheduled payment. But not to worry as something would be worked out. 
After I reached out stating I can resume payments and over a month of answering questions and providing paperwork, the only option they gave me was a short sale. I owe only XXXX. I have since been paying my regular scheduled payments. I will not short sale the home. It being such a small amount, I was ensured by multiple specialist this would not be an option. I owe a total of XXXX on the home. I can sell it, if I wanted, for XXXX, make money off it and pay back the XXXX, so a short sale would be silly. 
I am so disheartened that I was deceived from the beginning. I was told worse case scenario is that I would not be approved ( loan modification ) but almost every one is. 
I wouldve found a way to pay if I was not told this. 
It is only XXXX, why wont they break it up or place at the end of the loan? Its not a lot of money. Isnt the Cares Act supposed to help people like me, willing to work it out and pay back what is owed? Not short sale my home for a XXXX default? Im so upset I dont know what to do?

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 2020-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson Cruz & Associates LLC
State: NC

Complaint narrative:
I sent a letter to Nelson Cruz and associates requesting validation of alleged debt via certified mail USPS. On XXXX XXXX, 2020. First Request. Tracking number XXXX. Letter was received via USPS receipt XXXX XXXX, 2020. I received no response back from the company. Second letter request for validation of alleged debt sent USPS certified mail on XXXX XXXX, 2020. Letter received XX/XX/2020 via USPS receipt. Tracking number XXXX. I received no response back from the company for my request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX2020 Sequium collection open a account under my name to try to collect XXXX dollars from a original creditor XXXX XXXX XXXX. They reported It to the credit bureau. I have a derogatory mark on my credit from something that does belong to me. This company is located in California. I called sequium, I called XXXX  ( XXXX XXXX XXXX ) they did not help me with this issue. I live in Florida, I have never open a account with this company located in California. 
Please help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi offered flex-pay offers directly on their website for specific transactions with varying interest rates and payment periods ( i.e. number over monthly payments ). They recently sent an email informing me that I needed to update my monthly payments to ensure flex-payment would not pay off as part of paying my monthly balance in full. I completed this, but there was an issue with the system, and the account balance + flex payment plans were all paid off. They charged me the full amount of the interest ( ~ {$200.00} ), even though they paid off all of the flexible payments early. Also, one transaction ( rent ) incurred an additional transaction fee of {$40.00}. 

I called ( XX/XX/XXXX or XXXX ) to have the flex plan system mistake to be corrected and have the original plans re-instated and they refused. They also refused to credit all of the interest or the portion remaining on future, canceled payments. 

I informed them if this happened to me, it must be happening to countless other customers. I informed them I would be submitting a report to the FTC. They informed me they would investigate and report back on XX/XX/2020 and I have not heard anything back.

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 2020-11-28 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:
There is a fraudulent account reporting on my credit report. This account was already removed from my XXXX  report because it is proven to be fraudulent. I have submitted a complaint with the FTC in in regards to the XXXX account on my report. Please remove this fraudulent account from my report. Thank you so much for your help during these troubling times.

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 2020-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I've already tried to work with Navient on repaying my student loans.. I'm XXXX sick of them ... they are horrible! I can't afford {$200.00} plus dollars a month for payments. I need my payments lower. They are not trying to work with me!! And why is it that the federal government allows them to take advantage of people trying to repay student loans. I feel like you all want us to live in poverty!!! Come up with a way that allows me to lower my payments!!! This country is absolutely horrible because of the way we are treated over student debt.!! For the record I will always give them a low rating because they don't work with individuals repaying student debt. Student loans were created by XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: TX

Complaint narrative:
I have disputed both charges below because they were both fraudulent ( unauthorized ) : XX/XX/26 XX/XX/26 XXXX  XXXX MO {$87.00} XX/XX/26 XX/XX/26 XXXX  XXXX MO {$89.00} I have called XXXX 3-4 times to request credits for these charges and the reps tell me that if I do this or that ( e.g., sign and email letters back to XXXX ) I will receive full credits within a few days. I have done everything asked of me. It has been three months now and no credits have been received. 
Interestingly, each rep I have talked to agrees the charges are fraudulent, but said they have to follow a process of review, etc. I have talked to XXXX in XXXX Ky, XXXX ID XXXX XXXX, XXXX XXXX XXXX ID XXXX XXXX ), and XXXX ID : 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 2020-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: GA

Complaint narrative:
The problem is that US Bank, subsidiary of US Bancorp has unlawfully kept negative reporting on my credit report pass the time limit specified in the Fair Credit Reporting Act ( FCRA ). Adding insult to injury, US Bank has recorded a late payment in 2020 although there has been no activity on that account in years.

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 2020-11-28 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: CA

Complaint narrative:
Paypal has placed a limitations on my paypal account with no explanation as to what I did or might have done. I can not send or receive money permanently. I received an email on XX/XX/20 saying that I can not use paypal anymore. Period. I can not answer the email. I called an associate and they say they can not or will not help me, nor can they say what the problem is. They have a resolution department which I can not contact. If I click on that, I simply get a message saying that I can not use paypal anymore with no steps as to what I can do to get limitations removed. The associate gave me an email address to use, compliance.paypal.com. I sent an email and was simply told that there are steps to resolve the problem. They told me to go to paypal, help and resolution. Right back where I started. They say, and give me a link to contact customer service, and the link takes me right back to the problem I am having with absolutely no way to contact customer service. My rights have been violated. There is no way I can see to contact them with a track to resolving this dispute. I have been cutoff completely. In 180 days I can back any money I have in my paypal account but I have none. That is not the point. I can no longer receive or send money. I have sent money for 2 reasons, send money to my family and order from XXXX  none of which violates anything. I have been wronged. Any more steps I can take?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28 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: TX

Complaint narrative:
According to CFPB Ref No : XXXX and XXXX, XXXX sent a request to delete the hard inquiries, dated XXXX XXXX, 2020, and XX/XX/2020 in which CRAs must take less than 90 days since XX/XX/2020 to update my records. At the moment of filling the claim, XXXX XXXX, 2020, Experian still reports falsify information about these hard inquiries.

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 2020-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's offered a phone settlement for a debt but did I did not accept it if it would harm my credit score. They did not give me a written statement about what a charge off account is. They did not inform me that I would be unable to speak with there credit card reporting service department. And they made me believe that if the debt once paid on my Macy 's card that they would remove the inaccurate information on my file. Well, none of these things happen. The Macy 's executive office incorrectly believes I signed a settlement offer, which I did not. And the information provided to me by Macy 's has been false. 

I would like Macy 's to investigate whether I signed a proper settlement, that I was informed of the consequences on my credit report and that they followed correct protocol. 

I hope that they provide all the information from this investigation to me regarding the situational " acceptance offer '' of a settlement offer which I never accepted.

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 2020-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 and on XX/XX/XXXX of 2020 as well theres a particular two transactions done to the Bank of America account one of them was initiated by me it was just gon na be a transfer from the account the business account to the personal no the verification did not go through so I had a calling to the bank and they were ever verify everything was good now on XX/XX/2020 there was a deposit down to the account and this deposit was supposed to be from a client of mine that I have paperwork for all the paperwork needed to work on the XXXX  now he left me a down payment cash yes me too if you could direct deposit me the funds the rest of the funds I said yes so I gave them the account number now he made a mistake in the direct deposit to put it out to payable to him so I did not see that that was the case until the bank got involved and let me know of the situation i got in touch with them when inside the branch and told him. They provide me with the information to dispute the transaction for when I was home and everything was gon na be fine that wasnt the case when I got home called and they said that they had to close down the accounts I have all necessary paperwork that Ill be providing to you guys you guys can go over this paperwork this is the work that was done to this mans XXXX  and the bank is interfering in my business and hurting it and money wise transactions

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 2020-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
I started my home refinance on XX/XX/XXXX. 
I provided all requirements and document right on time, but they process so late. Even the loan officer was quit in the middle of refinance. 

XXXX XXXX Processor AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX XXXX Desk XXXX Fax XXXX This above was my loan officer and after 5 weeks later, i found that she is no longer work with Amerisave. 

Moverover, Amerisave abandoned me over 6 weeks in the middle of refinance, and they assigned me to other Loan officer. 

So far, it was over 3 months, but still refinance hasn't been completed. 

The problem is 1. Not providing the information what customer should know. For example, escrow questions and price information was not provided or not explained over 6 weeks, Amerisave had not responded back to me in time manner even though i called and left messages over 10 times. 

2. even 3 months passed, my refinance processing was not completed.

3. Very bad customer care, no responding, even the loan officer was disappeared.

4. a customer should get information even basic DC on time manner, But Amerisave didn't even respond over a month. 

Now, I will go with other mortgage company, and want to get my application fee {$500.00} refund back to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-28 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:
There is a fraudulent account reporting on my credit report. This account was already removed from my XXXX report because it is proven to be fraudulent. I have submitted a complaint with the FTC in in regards to the XXXX account on my report. Please remove this fraudulent account from my report. Thank you so much for your help during these troubling times.

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 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I spotted some discrepancies between reality and what happened in such credit report. Being said that, I have never applied for Chase credit card. So Chase Inquiry on XX/XX/2020 is not resulting from my personal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Why are you reporting this account inaccurately? XXXX is reporting all good payments yet XXXX and XXXX is reporting just all charged off. Please remove this inaccurate 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 2020-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I spotted some discrepancies between reality and what happened in such credit report. Being said that, I have never applied for XXXX credit card. So XXXX Inquiry on XX/XX/2020 is not resulting from my personal action.

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 2020-11-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
According to CFPB Ref No : XXXX, XXXX XXXX sent a request to delete the hard inquiry, dated XX/XX/2020 in which CRAs must take less than 60 days since XX/XX/2020 to update my records. At the moment of filling the claim, XX/XX/2020, Equifax still reports falsify information about this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
According to CFPB Ref No : XXXX, Capital One sent a request to delete the hard inquiry, dated XX/XX/2020 in which CRAs must take less than 60 days since XX/XX/2020 to update my records. At the moment of filling the claim, XX/XX/2020, XXXX still reports falsify information about this hard inquiry.

Company response to consumer: Closed with explanation