vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX PIN : XXXX Copy of Drivers License : XXXX Copy of SSA Card : XXXX Copy of Car Utility Bill Insurance :  XXXX Please remove Security Freeze, Fraud Alert, and Statement I am attempting to purchase a Home ( Mortgage ) and a Vehicle ( Auto Loan ) from all ( 3 ) Bureaus : XXXX, Transunion, and XXXX. 
Please allow lenders to pull my credit. Phone Number XXXX is no longer my phone number. Please remove this phone number. 
Thank you, XXXX XXXX XXXX XXXX The phone number on my personal statement is incorrect. My correct phone number is XXXX and XXXX. 
XXXX  : XXXX XXXX, GA XXXX XXXX  : P.O. XXXX XXXX, XXXX, TX XXXX Transunion : P.O. Box XXXX XXXX, PA XXXX XXXX  XXXX Security Freeze P.O. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion TransUnion XXXX XXXX XXXX. XXXX 2000 XXXX, PA 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 2020-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: WA

Complaint narrative:
I had completed a divorce in XXXX of 2017 and was awaiting my ex-wife to sign the quitclaim deed, to have her name removed from the mortgage title. After several legal measures were taken and two years I obtained the quit-claim deed and all necessary documents that the mortgage company required. I sent in all documentation ; including a signed letter from my ex-wife stating that she no longer lives at the property nor does she make any payments on the mortgage. 

The mortgage company XXXX Planet Home Lending , LLC XXXX stated they received all documentation but when I took the next steps to refinance the mortgage in solely my name the mortgage company refused and are trying to add my ex-wife 's name to the refinance. They will no longer accept any payments and instead return any and all mortgage payment attempts. 

I have become so utterly defeated with this my mortgage lender where now I have no other options but to sell my home where my children stay and attempt to find somewhere else to live. I have no extra monetary funds to hire an attorney and the company does not want to work with me nor do they care about my family or previous service to my country.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been charged {$340.00}, called the bank but the agent said she is not authorized to see information where this money came from. Wells Fargo is charging my account for no reason.

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 2020-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Moneytree Inc
State: WA

Complaint narrative:
Hello, in the last four years. I have received numerous loan updates from several line company's..i think there a social security number issue. Please help me in this issue. Sincerely XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: NV

Complaint narrative:
On XX/XX/20 I paid {$17.00} for a forehead thermometer never received, never shipped despite phone tracking # given to me & several other ebay buyers. Paypal refused to process refund, so I cancelled claim to enable me to file ebay buyer protection claim. 
Paypal violated policy by refusing to release claim to ebay in a fraudulent attempt to deny me right to file that claim which ebay had processed successfully for those other buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a card with capital one I had fraud on my account so a returned payment happened. They closed my account and put the balance on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Claim from Bank of America XXXX Arizona claim denied on XX/XX/2020 I invited some friends and some of their friends which I did not know over to my house for dinnerand after everyone left and went to bed as normal the next day I get up to go shopping and my debit card is missing I'm looking everywhere for my debit card which is also linked to my savings account which had over {$11000.00} in there and come came to the conclusion that I could not find my debit card anywhere in the house or in my car at that point while sitting in my car I logged onto my Bank of America site and I was down {$1000.00} approximately short a {$54.00} it was a {$950.00} to be exact there were two withdrawals taken from an ATM with a PIN number so whoever stole the card had to have gone through a my files and possibly found the pin number somewhere within my files and stole the card I never did get the card back when I realized that the XXXX dollars was missing I went straight to Bank of America they had just closed it was on a Saturday I withdrew some funds so I would have some money for the weekend went back home called the fraud department they closed the card reported the fraudulent activity and then the case begin well 2 months later I get a letter today from Bank of America stating that they've completed their research and that are their records indicate that the transaction activity in question was off was authorized and posted correctly to your account. this is absolutely incorrect I have no idea what they did other than call the merchant which they probably didn't get any information from them and then they just went ahead and closed it but it is definitely not correct the card was stolen it was fraud it was I was ripped off and they did with draw this money without my authorization and I don't know what else to do that's why I'm submitting this information to you in hopes of us up some help.

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 monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
XX/XX/1999 XXXX XXXX XXXX owner of first citizen banshares of XXXX ga XXXX XXXX XXXX XXXX ga. Died .made me the owner of the company, first citizen banshares , has fail too give me a copy of the company operating agreement, aka deed of trust, or testimony will deed too the company, also they have fail too give me, cpa accounting too what they are doing with my money on the personal side of the company ... business address on file that is has a registered too sec of state XXXX XXXX. And on the probate court of XXXX ga. Is XXXX XXXX XXXX XXXX ga. It says. XXXX XXXX beneficiary 3rd party too all of this .i am not talking about a account in the bank. I am talking about the ownership of this business.. The paper in the probate court spill out XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, as owner or trustee heir. ... all the names in this text including the company agent has fail too give me my legal papers. Too the company. I am requesting all this information, from yall today. With out this information. I dont. No what i can do or not do. And i dont. No the operational agreement release date for yall too be canceled, too been a active power of attorney for me .so it like yall got the company, like yall own it and i am nothing. Please make this rite. Or be liable for all court cost. Or legal action that will be taking. On the behalf of my request. Everything in this text need too be reviewed .i am at a place, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. XXXX XXXX XXXX deceased owner has various of companies, XXXX XXXX mortgage XXXX XXXX XXXX XXXX .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX all of this stuff is old money come from the XXXX XXXX and XXXX XXXX  families. Also a court appointed administratior been request this information from yall too .XXXX  XXXX phone XXXX # XXXX ... XXXX! A XXXX peacock attorney at law. Atl ga. They or yall are refuse too come off my rights. Please stop abuse me .and the court system. When yall can do the right stuff thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I am trying to pay off my mortgage early by paying extra principle. Every time l log into my account and pay the extra principle, my mortgage company ( Mr.Cooper ) takes out an additional mortgage payment for the following month. I have called them on several occasions and stated to them that there is a glitch in their accounting software. I also ask to have my money returned to my account as soon as possible. They investigate the issue and always apologize and state the money will be returned to my account in 24-48 hrs. This has happened 3 times now, and l have to call several times to get the money back. It never comes in 24-48 hrs, but takes up to a week or 10 days to get the money returned to my account. This latest incident has gone long past the 48 hours. I called again yesterday and the guy l spoke with stated he was going to escalate the matter to his manager. As of tonight XXXX XXXX, the money still has not returned to my account. This situation leaves my bank account vulnerable to overdraft for my other bills and financial commitments, thus affecting my credit rating. In addition, they have my credit score listed in the low 700s. All of my credit card accounts, XXXX XXXX and XXXX XXXX  have my credit listed in the 800s. I am tired of dealing with their ineptitude and thus filing this complaint. Thanks, l hope you can help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MT

Complaint narrative:
I am in the Public Service Loan Forgiveness Program and I made my 119th monthly payment on XX/XX/2020 through XXXX. Due to the CARES Act I do not have a payment due until XX/XX/2020. However the XXXX states that each month for which a loan payment was suspended under this law shall be treated as if the borrower made a payment for the purpose of any loan forgiveness program for which the borrower would have otherwise qualified. 
This means that for borrowers in an income-driven repayment plan, the suspended payments are considered qualifying payments that can be counted toward forgiveness. Borrowers working toward Public Service Loan Forgiveness will also have time in suspension counted toward their 10 years of qualifying payments. My statement should have come out out on XX/XX/XXXX. I am still employed by the State of Montana and have met all of the qualifications for forgiveness as the XXXX payment would have been my 120th payment. FedLoan has had a history of not correctly assigning my payments and I have had to go through CFPB to get them to correct their errors. I clearly qualify for forgiveness as of XX/XX/XXXX as that is when my bill would have gone out. Please force them to quit violating the CARES Act on my account and grant my loan forgiveness. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Myself and several other Bank of America customers that bank with a XXXX XXXX XXXX XXXX in XXXX XXXX are having a very difficult time transferring funds between Bank of America and XXXX XXXX  ( XXXX # XXXX ). Anytime we try and put in the routing number of XXXX XXXX  we get the message that it is " not in our directory ''. XXXX XXXX  is an FDIC regulated, American financial institution and has been in business since XX/XX/2019. We have been trying since XXXX to get Bank of America to update their ABA directory to include the newest ABA numbers issued. Because they feel the need to not update this database, several mutual customers are inconvenienced and unable to transfer funds between the two banks.

All I want is someone from the correct department to handle this request and get the ABA added to their directory so mutual customers are able to transfer funds between banks.

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 2020-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Over the years Portfolio Recovery Associates has inaccurately reported debt to my credit report bureaus. They've been reporting on a monthly basis for several years severely damaging my credit for a debt that's not owe or belonging to me. They are the ONLY debt collection agency in my report which should tell you that I'm not a person who doesn't pay their bills. 

I've tried various methods to get them to remove the debt. I've sent them numerous certified letters to validate that the debt owed by me, I've disputed the debt various times with the credit bureaus and even spoke with Portfolios representatives via the phone. To now avail have they been able to validate the debt and still refuse to remove it, years later. 

This type of inaccurate illegal reporting is hurting my credit and they can't seem to justify or validate their claims or why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have been attempting to reach my credit card company for over a week now. Calls and emails are not being responded to. Barclays manages my credit card and their customer service is not available during the worldwide pandemic. If you look up Barclays on XXXX you will see a number of people communicating with the company about not answering their phones. I have attempted to reach them about a balance transfer arrangement I am making with another company. Due to their lack of customer service support my account has resulted in late charges and additional interest. I have been trying to reach the company for over a week. Please help their customers find out when and if theyll be able to speak with or get an email response from a financial institution they are dealing 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 monetary relief
Consumer complaint received 2020-04-22 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: PA

Complaint narrative:
XX/XX/2020, I pulled my credit reports from Experian and XXXX  and I realized that there were unauthorized inquires on my credit reports. I sent letters to both bureaus, Experian and XXXX, stating that the information reported was inaccurate and requesting that it be removed and I haven't received a response.

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 2020-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
There was fraud/scam on my account through the service Zelle and no help will be given by any of the financial service companies associated with my account. The amount of the fraud was {$850.00}. It was sent there due to a scam about a puppy and the company the transaction was made to was a shell company and did not ever intend to trade any good for the money stolen from me. XXXX  XXXX XXXX and Zelle are of no help in this fraudelent case and have done nothing to resolve this issue or take the scamming business user off of their services. This business is consistent in their ways, as I had my significant other creat an application, to which the whole process was exactly the same, and I assume the process is repeated over and over again to many eager dog wanting consumers out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

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 2020-04-22 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: NV

Complaint narrative:
Several account are reporting on my credit history that I have never opened or given my authority to run my credit for these 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 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC.
State: FL

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation