vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. But Affirm 's website won't let me dispute and their customer service was not helpful. I need affirm to dispute this item and refund my {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I have a loan for a Hyundai XXXX I purchased on XX/XX/XXXX in XXXX. I moved to XXXX state and need to register my vehicle in XXXX I completed Hyundai Motor Finances title transfer online as well as had the local XXXX XXXX fax a request for the transfer on XX/XX/XXXX. The website says to allow for XXXX business days. It has now been XXXX and I am being told that it could be another XXXX business days. I am unable to register my car as required by law because of the delay. Customer service has said there is no way to contact the title department and I must just wait. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are no notices or warnings that there is a delay or any process to expedite title services when the lack of title renders the car unusable and violates state law.

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 2022-08-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Fay Servicing purchased our mortgage when we refinanced on a 10-unit apartment complex my sister and I own. On XX/XX/2022 they made three payments totaling {$1300.00} from our escrow account for insurance that isn't ours. We initially thought it was " lender forced insurance '' because they kept sending us letters stating that they hadn't received proof of insurance even though both we and our agent had repeatedly faxed, emailed, snail mailed and upload proof of insurance multiple times. We recently learned that the payments were sent to an insurance company we don't even use, presumable another account holder 's insurance company. 

Then on XX/XX/2022 Fay Servicing purchased flood insurance from our escrow account for {$2000.00} on our behalf, supposedly because they hadn't received proof of insurance even though both we and our agent had repeatedly faxed, emailed, snail mailed, and upload proof of insurance multiple times. 

The property includes five duplexes and FEMA required a separate policy for each building. So, we have five policies that never lapsed, four at {$50000.00} and one at {$55000.00}, which is {$5000.00} more than the {$250000.00} of coverage that Fay Servicing requires for the property. But, they only recognize the policy for one of the buildings, which has the XXXXame street address as the entire property. We have repeatedly emailed, snail-mailed, and uploaded documentation showing that the five policies are all for the same property. I have spent hours on the phone speaking with their representatives, explaining the situation, and trying to resolve it. Each time the representative I speak with seems to understand the issues and promises to correct them but they never do. I spoke with an agent again two weeks ago and was told he would get back to me within a week but that didn't happen. They won't let me talk to anyone in the insurance department, where there is probably someone that could understand and resolve the issues. 

It looks like we are going to have to go through Small Claims Court to resolve this, which will also be time-consuming. I've read a number of reviews for Fay Servicing and many complain of similar issues as ours. It's no wonder they have a one-star rating on XXXX, it would be zero-stars if that was an option. It seems that Fay Servicing spends much more time answering complaints to the XXXX CFPB, state insurance commissions and attorney generals, etc. than it would take to resolve the issues. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent numerous requests via mail and telephone to resolve my credit reporting errors to the companies in regards to late payments on my account. I have sent my personal information along with a copy of The Heroes Act and explained that I was negatively impacted by Covid 19 and per the Heroes Act be protected from it affecting my credit score. I have sent requests in XX/XX/2022, XX/XX/2022, XX/XX/2022 and also had several phone requests without any resolution into the matter. This is severely impacting my credit and which in turn is not allowing me to purchase a new home and it was beyond my control and again per the The Heroes Act I am requesting that the late payments that were reported during the Pandemic be removed from my credit reports.

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 2022-08-30 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have sent numerous requests via mail and telephone to resolve my credit reporting errors to the companies in regards to late payments on my account. I have sent my personal information along with a copy of The Heroes Act and explained that I was negatively impacted by Covid 19 and per the Heroes Act be protected from it affecting my credit score. I have sent requests in XX/XX/2022, XX/XX/2022, XX/XX/2022 and also had several phone requests without any resolution into the matter. This is severely impacting my credit and which in turn is not allowing me to purchase a new home and it was beyond my control and again per the The Heroes Act I am requesting that the late payments that were reported during the Pandemic be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
Our co-borrower submitted a complaint yesterday. She is a 'borrower ' on our loan modification documents, but Flagstar Bank will not add her to our account as a borrower or as an authorized person. Today, she received an email response from Flagstar and CFPB that stated : " This complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' This is exactly the point she was making in her complaint. Her complaint submitted yesterday stated the following : " The mortgage for our house was modified by Flagstar Bank. In the modification documents that were signed by everyone and recorded, Flagstar included me as a 'borrower. ' Originally, I was on the deed as an owner, but I was not on the original mortgage loan documents as a borrower. During the modification process, Flagstar added me as a borrower, I think because I have an ownership interest in the property. The loan modification document that includes me as a borrower has been signed by everyone ( including the Vice President of Flagstar ), notarized, and recorded. Still, Flagstar refuses to add me as a borrower and an authorized person on the account. I can not make payments or discuss the mortgage loan even though I am technically a " borrower '' on the legal document. I tried to fix this issue with Flagstar, but Flagstar refuses to talk to me. Flagstar claimed that I am not a borrower even though my name is listed as the 'borrower ' on the first page of the modification and 'borrower ' is my title on the signature line next to my name. It is not okay with me that I am a borrower on the legal loan document, but can not discuss any matter with Flagstar or access any information about the loan. Flagstar said that because I am not personally liable for the loan, I am not a borrower. This can't be true because our lawyer told me that there are many people who are borrowers with non-recourse loans who are not personally liable for their loans. '' The loan agreement listing her as a borrower and the response to her complaint is attached.

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 2022-08-30 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: CA

Complaint narrative:
Hello : I have had a PayPal account for personal use for over 10 years. I just received a notification that for " Possible '' risky activity, they have permanently suspended my account, tried to " Close '' the account and they will not let me. When I finally was able to contact a representative, I was told that she could not see anything on her end, regarding my account, that could lead us to understand exactly what it was that triggered the suspension. Thus, she informed me that she would send the case upwards for appeal. I just received a notification that upon reviewing my account that their Permanent Suspension would stand, still without any specific reason given other than " POSSIBLE '' risky activity and as such per their Terms of Service they have the right to refuse service. 

The takeaways here are that ONE : There is no stated actual rationale for the suspension.

TWO : That while I can still log in and view my account, I am blocked from engaging in any activity, such as buying or sending money, the only activity I have ever used this account! 
THREE : I have been informed, via the website, that I am unable to close this account, as such my confidential information is open to being " Hacked ''. 

I have done some research into this and it seems that for some reason, not stated, PayPal has been doing this to it's customers for some time and as far as I can tell it is happening more and more frequently. 

The goal here is to either have my account re-instated without prejudice, PayPay held accountable, or to have the ability to close this account ( again without prejudice ) so that I maybe able to reopen my account with new and updated credentials... PayPal is one of the very few ways to be able to purchase goods and services on-line and thus is very important to have available for use. Lastly, to be informed as to EXACTLY what it was or is that triggered the suspension to begin with!!! 

I was going to try and upload a screen print of the chat session I had with PayPal and it is no longer available for review!! 

Thank you for taking the time to review my issue. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I had an account with XXXX XXXX. They could never get my bill correct from the start. It was always different amounts. I switched to XXXX and got credit to pay off thge phones we were leaseing. After I switched I recieved different bills ranging from a credit of {$450.00} twice to {$1000.00}. I have called at least 10 times trying to find out which bill is correct. They can not give me any information at all. Transunion just keeps coming back with the same results that it will stay on my credit for 7 years. I know I owe them money but I doi not know how much. I Told XXXX on thwe last call that I Owe them money, but bunless they can explain all the different bills i will not pay. I told them if they want thier money to call with that information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
this card is not mine i did not sign for it my id was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MI

Complaint narrative:
On XX/XX/2022, I received an overdraft notification from my bank. A fraudulent charge had been posted from Google in the amount of {$1000.00} for a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Unlocked ) '' and was sent using my name to an address I'd never heard of, " XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX United States '' I don't know how this was done, as no one else has access to my Google account or devices. I reported the fraud to my bank, XXXX, who agreed that it was fraudulent and reimbursed me. However, Google then proceeded to freeze my Google Payments  account, meaning that I can no longer use Google Pay, pay via Google Play, or make any transactions via my Google Wallet. No one at Google has been able to give me an answer as to what device the fraudulent transaction happened from or how they were able to use my account to do this. The Google transaction ID is XXXX and my Claim ID is XXXX. They declared that they didn't believe the transaction to be fraudulent, without any reason why, and so I'm stuck in a limbo of not being able to use my Google account for payments until they re-enable my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I received a bill for a charge from XXXX, I never made the charge, I called to dispute the charge. I called the company many times to try to get a response, while in the meantime they charged late fees, and started reporting to the credit agencies that I was not making on time payments. After many calls I was told by a supervisor that the dispute was never filed correctly in their system, therefore never triggering a dispute, and he assured me that he would get it resolved. I have never received any communication from them regarding the dispute, even after calling many times. Today I called and was told that the dispute had been resolved and it was found to be a valid charge. It is not. It seems like they are trying to scam me out of money, and they have done irreparable damage to my credit by reporting that I am behind on payments by 5 months when I never charged anything in the first place. This card was an emergency card that I did not use, the last charge I made on this card was in XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: MI

Complaint narrative:
I have sent numerous requests via mail and telephone to resolve my credit reporting errors to the companies in regards to late payments on my account. I have sent my personal information along with a copy of The Heroes Act and explained that I was negatively impacted by Covid 19 and per the Heroes Act be protected from it affecting my credit score. I have sent requests in XX/XX/2022, XX/XX/2022, XX/XX/2022 and also had several phone requests without any resolution into the matter. This is severely impacting my credit and which in turn is not allowing me to purchase a new home and it was beyond my control and again per the The Heroes Act I am requesting that the late payments that were reported during the Pandemic be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NY

Complaint narrative:
I sent documents in to transunion asking to investigate inaccurate error on my consumer report I sent docs in XX/XX/XXXX no response XX/XX/XXXX no response and now XXXX still no response they our reporting accounts thats inaccurate and XXXX or XXXX  isnt reporting. According to the FCRA Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below 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 non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP
State: GA

Complaint narrative:
1. Opened the account on XX/XX/2022 successfully. 
2. Key BankXXXXXXXX XXXX customer service sends me a notification for further identification on XX/XX/2022 including proof of residence, driver 's license and copy of social security card through a protected time-limited email chain. 
3. I comply the same day. Two days later, I have to send an additional email to check on the progress. No response for an additional 17 days, from either the customer service through email or phone, since it looked like the application was not in the system, yet they had me provide my personal information on multiple encounters. 
4. XXXX XXXX connected with XXXX from customer service who investigated more on my case. He said I would be getting an email to complete the application and get my accounting information the next day, since I was " approved ''. 
5. XX/XX/XXXX I was, all of a sudden, declined to open the account given a " XXXX Report  '' through an email from XXXX XXXX. Called customer service rep XXXX, and he could not give me a response initially. 
6. I called XX/XX/XXXX, and requested my information be permanently deleted and the account closed since I do not want my information remaining with a bank I have not established a banking relationship with. 
7. Overall, has been an extremely bad customer service representative experience, no clear concise reason as to why they requested additional information and then decided to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I purchased an abandoned home in XXXX and I have not missed a payment. The bank that owns the loan is Banco Popular de Puerto Rico. I remodeled it to be my home ( therefore it increased its value significantly ) and recently made a large payment to the principal balance of my loan. I qualify to request the cancellation of the mortgage insurance, which I did in XX/XX/XXXX ( confirmation # XXXX ). The application was supposed to be answered by XX/XX/XXXX, but the bank requested 15 additional days.That extension expired on XX/XX/XXXX. Two appraisals have been made. The bank has still not answered my application, and indeed after my complain to the bank they assigned a new confirmation number to my application, and are now telling me they have another 30 days to answer my request ( confirmation # XXXX ). The bank only tells me that it is the " investor '' ( which is XXXX XXXX  ) who has not completed the process. In the meantime, they are forcing me to pay a monthly fee for an insurance I don't need ; and I qualify for its elimination according to the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
Midland credit company, I do not know who these people are. They call from random numbers from early morning around XXXX XXXX  until late at night approximately XXXX XXXX. They won't say who is calling me, they just say your name and expect you to confirm who you are without identifying themselves. Over the past 18 months or so I have had to block at last XXXX phone numbers. Now I am getting letters threatening lawsuits for around XXXX dollars and they still have not told me who this is for, they continue to say XXXX XXXX however, they are not XXXX XXXX  I have a few credit accounts with XXXX XXXX and I don't have a problem with those accounts. I sold my home in 2019 and moved and settled a debt 100 percent with these people and everything was cleared up and it was for XXXX XXXX. Now they are harassing me again, calling from different numbers and locations without identifying who they are. I would work it out if I indeed owe anything because I am completely caught up with my bills and I work constantly to keep my bills paid and this is negatively affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. I was told by a legal expert in an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue 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 non-monetary relief