vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SYNERGY ONE LENDING, INC.
State: NM

Complaint narrative:
I am having a problem with the management of my escrow account. 

Around XX/XX/XXXX, XXXX of XXXX, overwrote my property insurance with an incorrect policy. This has resulted in an incorrect payment being made, an incorrect adjustment to my monthly payment, a proof of insurance request from an outside vendor, and a threatening letter that I am underinsured. 

I called around XX/XX/XXXX, to speak with customer service and alert them to revert back my proper insurance information to avoid incorrect higher payments. I was told the issue would be taken care of. 

I wrote a letter on XX/XX/XXXX, via the secure online portal, following up on the actions taken. 

I called again around XX/XX/XXXX, to follow up. I was told that I was being transferred to a supervisor, but then was hung up on. ( After waiting an hour to be initially connected XXXX Now it has been over a month and I have had no resolution to this issue. I can not get through to customer service and I can not get a call or email back. This issues has cost me time and money, as incorrect higher assessments have been levied toward my mismanged escrow account ( since an incorrect and unnecessary payment was made from my acccount ). 

I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: AZ

Complaint narrative:
I am a victim of identity theft. I applied for a credit card at XXXX XXXX XXXX on XX/XX/XXXX and was rejected because of XXXX negative accounts ; XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, but they do not belong to me and I never approved anyone to open them under my personal information. My personal belongings were stolen from my house on XX/XX/XXXX which included my Driver 's license and Social Security card amongst other personal items. I filed a report with CFPB already along with a police report with the XXXX Police Department and its an ongoing investigations, no arrest have been made yet. I need these accounts removed from my credit report as soon as possible because I am interviewing for a job and Satisfactory Credit history is needed. I never received any goods, money or services from these accounts. I also never authorize any bank to check my credit much less add accounts to it. My identity was stolen and I already contacted all the banks/accounts subject in this Identity Theft. All statements are true and correct without any omission of facts, to the best of my knowledge Please attach the follow documents to my dispute request.

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 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have asked to stop receiving these calls. I even tried blocking numbers but they keep calling from different numbers several times a day while I am at work. Sometimes I get more than one call within one minute like spam calling. Please help I just want my phone to stop buzzing all day long repeatedly. At this point I am being harassed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Hello, I have been working from home since XX/XX/2020 due to the pandemic. Because of this I had to order more furniture pieces in my house such as a home office, chair, etc. Normally, before the pandemic I was working in my office so this was never an issue. So, when the pandemic happened I decided to order these pieces from Wayfair, LLC. on XX/XX/2020 ONLY because they had advertised at a 0 % interest rate. After 2 months I received a Masters Credit Card from Comenity Bank stating I should activate the card. At the time I thought it was junk mail because I have not carried a credit card in 20 years. I never activated the card, however I am starting to get harassing phone calls from them about making a payment. At that point, I had no clue who they were until when I called and they told me that they are through Wayfair, LLC. I am currently a grad student and I was hit hard at the end of XX/XX/2020 with federal taxes for being a student on top of living paycheck to paycheck. I was consistently making payments to Wayfair/Comenity Bank, balance {$1800.00} but because of taxes being taking out of my paycheck each month it is making it harder to make the payments. I asked Comentity Bank numerous times if they had a financial hardship program. What I am disgusted by with this company and bank is that they are taking advantage of their consumers during a pandemic. They advertised at the start of the pandemic it was 0 % interest rate and now they are telling me that I have a 26.99 % interest rate on this card. I was wondering why my payments and billing was getting higher and higher. I never activated my card but they somehow keep charging me {$40.00} a month for late fees. I have asked them to close my account numerous of times and they have not done so. I have enough stress financially going on. Since the pandemic I had to spend more on my household and food because I am stuck working from home. Please investigate this business because what they are doing is WRONG!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I had a biz CC ( AMEX ) debt that I believe was written off by AMEX after we went to court in 2018. Lately the collection company XXXX XXXX XXXX XXXX has been calling me on my cell phone at various times of the day, usually before XXXX. I advised them that as this was a business debt they should call me at my store after XXXX PST. The call calls continued. 

I don't mind them calling as long as the hour is not too early according to my schedule ( not theirs ) and to my business phone number, not my cell number. 

I finally called them back, told them I thought the debt had been written off by AMEX and figured XXXX XXXX XXXX was fishing. AMEX has never tried to contact me by mail or phoe during the 2 years.I was turned over to XXXX XXXX. She (? ) was pleasant and cooperative and promised to resolve the phone number issue, etc. 

However, I still believe the debt was written off by AMEX, I paid taxes on the paid off amount, and believed the matter was settled, especially after 2 years. I'm not sure I should start paying this collector. 

Thanks for any assistance you can offer in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: Alpine Credit, Inc
State: CO

Complaint narrative:
On XX/XX/2019, ALPINE CREDIT INC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ALPINE CREDIT INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: GA

Complaint narrative:
XXXX XXXX, Equifax XXXX, Violates my given Rights in reports, an refused to remove, Reinvestigate a dispute Request about Entire Public Records Section, displaying XXXX Unverified Bankruptcies, Incorrect reporting. Dates, case numbers, amounts, and court info is wrong. Asked for Method Of Verification, They did not give me how/ who furnished the information. MY right under Section 609 states I have a right to know provided information, they told me I dont have that Right and its not a Law. ALL Public Records Items Were Not 100 % Verified with the actual Data Furnisher- the Courts, in which i provided documentation from the Courts is included. This is Defamation of Character and also violated/ continues to Violate my Rights under FCRA and FTC XXXX CFPB which they choose to Buy & purchase inaccurate information that Was Not Completely Verified. I ASKED AND BY law to Remove said information in Public Records Section concerning XXXX wrong inaccurate Bankruptcy cases. Documentation provided from which they told me they Verified with below equifax website and letter states XXXX XXXX, no bankruptcies are on my XXXX XXXX, XXXX said Court Clerks themselves, Court furnished me letters & said They Don't Verify with CRAs and its online. Well online is full of Fraud and XXXX information and victim of Identity theft already, keep using inaccurate unverified online platforms or a 3rd party to gather is in Direct Violation of my Rights and Breaking the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CBC Companies, Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX, Violates my given Rights in reports, an refused to remove, Reinvestigate a dispute Request about Entire Public Records Section, displaying XXXX Unverified Bankruptcies, Incorrect reporting. Dates, case numbers, amounts, and court info is wrong. Asked for Method Of Verification, They did not give me how/ who furnished the information. MY right under Section 609 states I have a right to know provided information, they told me I dont have that Right and its not a Law. ALL Public Records Items Were Not 100 % Verified with the actual Data Furnisher- the Courts, in which i provided documentation from the Courts is included. This is Defamation of Character and also violated/ continues to Violate my Rights under FCRA and FTC XXXX CFPB which they choose to Buy & purchase inaccurate information that Was Not Completely Verified. I ASKED AND BY law to Remove said information in Public Records Section concerning XXXX wrong inaccurate Bankruptcy cases. Documentation provided from which they told me they Verified with below equifax website and letter states XXXX XXXX, no bankruptcies are on my XXXX XXXX, XXXX said Court Clerks themselves, Court furnished me letters & said They Don't Verify with CRAs and its online. Well online is full of Fraud and XXXX information and victim of Identity theft already, keep using inaccurate unverified online platforms or a 3rd party to gather is in Direct Violation of my Rights and Breaking the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
By law I advised the CRA to remove every address thats not Mines that I did not register with them or USPS or updated. 
My Only Addresses on file with CRA should only be XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX And XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ga XXXX. 
Other addresses are not Mines I dont receive mail there or live there, they refuse to remove said addresses. They are collecting wrong inaccurate information and went to correct it and they will not delete.

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 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am the co-Personal Representative of an estate of one of my firm 's deceased clients. I have attempted to marshal XXXX Bank of America checking accounts in the late client 's name. I appeared in person at the XXXX XXXX, XXXX, XXXX branch of Bank of America and provided them with the Certified copy of my Letters of Authority, an original signed letter from the other Co-Representative who lives in XXXX authorizing the release of the accounts in question to the Estate, and an original Death Certificate. I spent over an hour at the Branch and was informed the bank would be mailing a check made payable to the Estate to my office. That was almost XXXX months ago. Just last week my office received a checklist from Bank of America requesting the same information which I already provided to the XXXX, XXXX branch in person. My office called and spoke with someone at the XXXX XXXX, XXXX, XXXX Bank of America branch and was told that the account is not in their branch and they can not assist us. 

In my opinion, this a breach of the bank 's obligations and I wish to have this complaint filed and have the funds released to the late client 's estate.

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 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
Company : SPS, Select Portfolio Servicing Issue : they did not process my Rate Renewal application. 

I asked them for Rate Renewal application 3 months ago. About two months ago, I were asked to file a dispute and wait for 30 days for a response. I were then told to wait another 30 days. I received a letter Dated XX/XX/XXXX, asked to call back to ... complete an application. Due to COVID-19, I only got the letter yesterday. I called them back today, XX/XX/XXXX. They still do nothing, I asked to escalate to manager, after long wait, I were told that no manager available, so disappoint ... Please help.

Background info : 1 ) The mortgage load was provided by XXXX XXXX originally, with a Rate Renew Feature : ... Apply for a Rate Renewal and relock your rate for another 5 years .... I did it several times. 
2 ) The loan was Transferred to XXXX  XXXX, I did another Rate Renewal XX/XX/XXXX, relocked the rate to XX/XX/XXXX 3 ) The loan was then Transferred to SPS. They did not follow the mortgage documentations, for an example, not long after transfer, they hiked the rate. When I asked them for a Rate Renewal, they appeared to know nothing about it, I were allowed a dispute only after long phone call and after I sent them copies of the original load documents and a copy of Rate Renew I did in past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: NV

Complaint narrative:
I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal request to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been XXXX months now and I have not received any responses from XXXX  and TransUnion to my requests. I did receive a response from XXXX but not all of my issues were fixed.

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 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses from XXXX  and XXXX  to my requests. I did receive a response from Equifax but not all of my issues were fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: VA

Complaint narrative:
Every time I try to log into my PayPal account online, I am met with a Security Challenge that does not work correctly.

The Security Challenge is a captcha that continuously tells you that you failed it, no matter what you do. 
The website does not seem to remember my computer as they keep sending me Emails saying a new login was detected. There is no way to get in touch with them at all, besides an automated message service on their website, or through XXXX / XXXX, both of which they ignore, and do not reply to. If you try to call, you get an automated response system, which directs you to use the message service on the website, and then hangs up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/2020 I filed a claim for unauthorized pay friend transfer. I filed this claim when I went to look at my account and seen that my account had been completely drained of {$2000.00} I had set aside from my University XXXX XXXX refund I had gotten on XX/XX/2020. Normally I get notifications from chime when my account balance is low or if Ive done anything on my account but on XX/XX/2020 my account was hacked and all my money was gone and I didnt get an alert or anything from chime saying my account was low. I had gotten a refund from school on XX/XX/2020 and the refund was for {$2400.00}. I had gotten my unemployment payment as well and so sent money to my XXXX  account to be sent to my bank to cover bills I had to pay. I left {$2000.00} in my Chime account thinking it was safe there until I needed it. But one day after getting my school money and sending money to my back my Chime account was HACKED and my money was gone. Of course it looks like I sent the money, but thats how hackers work. They can log into your account from anywhere as if they were you and do what they need to do. If this done by me I wouldnt waste my time writing this and fighting for my money I thought was safe in my Chime account. I have never use the transfer to friends feature on the Chime app and all of my transactions of sending money have been to myself. That {$2000.00} is all the money I had, my rent was apart of that {$2000.00}. All Im asking to have my money returned back to me. This was a fraudulent transfer that I did not do. I have no clue who the person is that was the recipient. If I did send the money trust me all of this typing and pleading my case would not be happening but it is because it wasnt me. I only have {$20.00} something dollars to my name in my bank account and so I dont have {$2000.00} to be sending to anyone ... so yeah Im going to fight for my money. I pray this will help because I really dont want to have to go to court and fight for even more money due to inconvenience and breach of security because I may have to. I all I want in my {$2000.00} back and thats it. After I filed this complaint on XX/XX/2020 chime closed my account with them and will not tell me why they closed it.

Company response to consumer: Closed with explanation