vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
XXXX I suffering from memory loss and XXXX recently divorced husband left me with the house. Im on a fixed income and I apply for a modification however this company SPS denied my modification. They forced me info a forbearance when I thought my second mortgage would be modified. Also Im have issues because of covid because i am high risk. They continue to report late payments to the credit bureau to purposely harm me even though Im making payments. I was able to modify my first mortgage however XXXX put me in this horrible forbearance without my knowledge and will want full balloon payment in full in XXXX of almost XXXX dollars in which Im on a fixed income and will have no way of paying. XXXX not trying to help me they just set me up for failure Please help anyway you can as if i was modified I can pay all my payments on time. Im in and out the hospital XXXX days a week because of my XXXX conditions.They refuse to work with me. Seems they are more interested in reporting derogatory information to the credit bureaus that helping me in my situation..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient I am sorry you misinterpreted my previous complaint. I requested Navient to send me a copy of the XXXX federal consolidation loans in XXXX that appear on credit report. My credit report contains XXXX federal consolidation loans. With an amount totaling over {$100000.00}. 
I contacted the federal government. They wrote me back and stated this. In XXXX I had a bankruptcy. Your student loans were not in default. So they sent my student back to XXXX for automatic repurchase in which XXXX complied. Then in XXXX XXXX lost their license to consolidation of federal student loans. As of XXXX XXXX is a private lender of student loans. Then I sent the contract Navient sent me for over {$49000.00} in student loans to the federal government then they wrote me back stating the FFELP Consolidation loan of XXXX they knew nothing about the consolidation loan of XXXX nor could XXXX write a federal Consolidation loan in XXXX due to no license with the federal government. The federal government stated as of today I do not owe on any student loan with the government They also stated no one never purchased my student loans. 

In XXXX Navient was formed aka SallieMae and that the transition did not go well documents were lost and forged. 

So they told me to ask Navient to send me a legal contract of a Consolidation FFELP student loan with XXXX in XXXX so they can review both license of XXXX and Navient. Third request. 
Also I am asking Navient did you purchase my student loans and if so send me the chain of custody. Navient did you turn my student loans into private student loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To whom it may concern, My name is " XXXX XXXX XXXX '', I have been trying to request investigation and removal of inaccurate items in my credit report but none of my affords have been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Address reported** XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX These addressed are not belong to me XXXX i have attached proofs of my current address below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX How can there be XXXX $ monthly payment on a charge off and closed account. DELETE IT IMMEDIATELY!!! 
XXXX hard XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX BANK XXXX : XXXX. XXXX, XXXX All Banks UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _UNIVERSAL CREDIT SER Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. I also never receipt any writing mailed disclosure about this report according to XXXX XXXX XXXX ( a ) XXXX requires early warning notice ONLY after they have notified said person before it is placed on the credit 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 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To whom it may concern, My name is " XXXX XXXX XXXX '', I have been trying to request investigation and removal of inaccurate items in my credit report but none of my affords have been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Address reported** XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX These addressed are not belong to me XXXX i have attached proofs of my current address below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX How can there be XXXX $ monthly payment on a charge off and closed account. DELETE IT IMMEDIATELY!!! 
XXXX hard XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _CREDIT PLUS Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX BANK XXXX : XXXX. XXXX, XXXX All Banks UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _UNIVERSAL CREDIT SER Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. I also never receipt any writing mailed disclosure about this report according to XXXX XXXX XXXX ( a ) XXXX requires early warning notice ONLY after they have notified said person before it is placed on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have been using the XXXX app to help get through until paydays and I am no longer able to connect my PNC bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Im trying to link my bank account to a site because their giving XXXX money away to XXXX XXXX an its faster an pnc blocked the option

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
I am a 100 % combat XXXX veteran, Navient ( my account Number XXXX ) has been listed as paid charge off, I am a XXXX veteran, the military paid this account because I was XXXX and therefore was not a charge off. this was taken off my report t XXXX time as the other XXXX XXXX have reported. they are insisting that this is a paid charge off, do I need to sue them, I will, I'm sick of equifax, their unwillingness to take this off cost me a personal loan I was trying to get. please let me know how I need to proceed with this unfair company. I can not help that I was injuryed in a XXXX XXXX, I can not help if the Government was late paying, thats if they were late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX CT, XXXX XXXX XX/XX/XXXX Chase Card Services XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX : XXXX checking account number XXXX and XXXX XXXX credit card number XXXX XXXX Dear XXXX Chase Bank XXXX XXXX XXXX is XXXX XXXX who has XXXX loyal customers for years. I was travelling in XX/XX/XXXX and came back to XXXX in XX/XX/XXXX due to XXXX travel restriction. After coming back to XXXX, I found out Chase closed all my accounts without notifications and justification in the middle of COVID-19 pandemic. Due to COVID-19, booking travel to redeem my total points of XXXX was not an option, so I made multiple attempts with chase sapphire reserve customer service and Chase promised me to redeem my chase points as a check to my XXXX  XXXX XXXX account. 
Unfortunately, when I called chase again on XX/XX/XXXX I was being told Chase will not issue me a check of {$1200.00} because the points were forfeited. I find it to be unacceptable because 1 ) Chase has the responsibility to at minimum issue customer a check for the points when Chase decided to close clients account without any justification. But Chase optimized the COVID-19 pandemic and defrauded a loyal customer reward value of {$1200.00} after customer paid {$2200.00} annual credit card fee ( XXXX per year for 4 years ).

2 ) The point expiration should be suspended for year 2020 due to Covid-19 pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
In early XXXX we received a pre approval for a VA mortgage through USAA Federal Bank ( Loan Application XXXX ). We are attempting to buy a home in XXXX XXXX  as my wife received an employment offer in the immediate area. We moved to a rental in XXXX while the loan was in process for a home that we had placed under contract. We received pre approval and began the application process during the entire month of XXXX. On XX/XX/XXXX. We were informed that our loan application was denied because we had placed our present home into forbearance when we were employed in XXXX   and there was concern over our continued employment hours. During the loan application process we were asked to bring our existing home mortgage current which we have done. USAA stated that they required that all existing mortgages demonstrate 12 consecutive months of mortgage payments. It is our understanding that the federal forbearance mandate precluded any negative credit issues in regard to our credit rating. Our credit does not reflect any negative issues in regard to the mortgage or any other negative credit issues. We feel that the USAA Federal Bank has violated the federal mandate in regard to our VA loan application as they did not accept temporary forbearance in determining our loan. In addition the home is under contract and will close in late XXXX. USAA one day later after notifying us of the denial to continue a {$500.00} dollar appraisal which we had paid as required by USAA. We are now out the {$500.00} appraisal fee. We have contacted several individuals in the mortgage department and have only received confirmation that the loan application was denied due to federally granted forbearance. We would appreciate someone to determine the appropriateness of the denial and the loss of {$500.00}. Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
A transaction in the amount of {$30.00} was sent to user ID $ XXXX on XX/XX/XXXX by mistake, wrong person.. The error occurred due to user ID appearing last, this person was sent money prior on XX/XX/XXXX and therefore the ID came up after amount selected. Also, the person has a similar name to person intended for. I requested a refund shortly after, it does not appear the person will refund as it has not been processed as of yet.. Since the person did not refund, appears to be a scammer, I have blocked the user ID. My Cashapp ID is $ XXXX. I request Cashapp refund the transaction as the transaction is in error and person appears to be a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have received a letter from Wells Fargo in regards to three different claims submitted through the CFPB on XX/XX/2020 ( Claim # 's XXXX, XXXX, and XXXX ) Wells Fargo states on XX/XX/2020 my account ending in XXXX was credited correctly of {$2000.00}. I never received that credit of {$2000.00}. 
In the letter, it also stated that they took action to close my credit card ending in XXXX due to fraud, but my card ending in XXXX was never recognized and no action was taken to help secure my funds even though I called Wells Fargo to let them know of suspicious activity on my debit card. 
When I tried to dispute the {$620.00}, the dispute got denied again. Wells Fargo indicated that that there was an overdraft protection charge in the amount of {$620.00} and was sent to my everyday checking ending in XXXX. I was not aware of this transaction. There was no indication of them letting me know as a customer about them transferring this money too and from my accounts. I never authorized them to do that.

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 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have a XXXX XXXX  charge card through Comenity Bank. I have a XXXX   balance and have always paid my entire full balance EARLY each and every month -- well, basically as soon as charges appear on my account. Even though I have a XXXX balance and there are NO BACK-ORDERS they keep reporting that my available credit is only {$350.00} when it should be {$900.00}. 

Attachment 1 - Shows that I have consistently paid my balance off as soon as charges show up on my online account. 

Attachment 2 - Shows the erroneous available credit compared to my credit limit. 

Attachment 3 - Shows my .pdf statement has it correct, but the bank insists that I only have a {$350.00} available credit instead of the TRUTH -- {$900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates
State: OH

Complaint narrative:
The Company Lewis McDonnell & Associates a debt collection company located in XXXX, California has placed a collection account on my credit report for an item I have no knowledge of. I received an alert from XXXX that a change affected my credit report and when I checked I found the above company had done this. 

I received a phone call last month from the company above and the way they introduced themselves I thought they were a law office. They informed me that a legal court case had been filed against me and they had to serve me with court documents. I explained I was out of town and if they could email a copy of the papers so I could see what was going on. I gave them my email address and have NEVER received anything from this company. 

NOW I get a collections account placed on my credit report with no accountability of anything. My attorney, XXXX XXXX ( XXXX ) XXXX has informed me that these collection tactics are out of line. According to the Fair Debt Collection Act, these are illegal tactics. 

I have sent a Certified Letter via US mail service for VALIDATION of this account and also have asked this company to provide proof that they are licensed to perform collections in the state of Ohio. Also under the fair debt collection act, this collection account needs to be removed from all credit reporting agencies while being disputed. 

Also attached are several website addresses listing the multiple complaints against this company even with the XXXX XXXX XXXX and with a " C- '' credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hi CapitalOne team, As I was reviewing my account and credit report I noticed the following compliance-related issues due to inaccurate information in relation to billing statements compliance, per FCBA, and CARES Act 4021 ( FCRA ) reporting issues compliance. 

I never received a billing statement, electronic or regular mail, showing a balance after the XX/XX/2020, payment was made. 

Reporting incorrect information and non-compliance with FCRA and provision of the CARES Act section 4021. Failure to update and set balance to XXXX. 
Failure to provide accommodations during the COVID-19 National State Of Emergency. ( CARES Act section 4021 ). 
Failure to provide current status for account information ( CARES Act section 4021 ) Failure to provide timely and accurate billings statements if a balance is due per FCBA. 
FCBA requires periodic ( normally monthly ) billing statements if there is a balance due. 
I never received a billing statement, electronic or regular mail, showing a balance after the XXXX payment was made. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a XXXX XXXX  charge card through XXXX XXXX. I have a XXXX   balance and have always paid my entire full balance EARLY each and every month -- well, basically as soon as charges appear on my account. Even though I have a XXXX balance and there are NO BACK-ORDERS they keep reporting that my available credit is only {$350.00} when it should be {$900.00}. 

Attachment 1 - Shows that I have consistently paid my balance off as soon as charges show up on my online account. 

Attachment 2 - Shows the erroneous available credit compared to my credit limit. 

Attachment 3 - Shows my .pdf statement has it correct, but the bank insists that I only have a {$350.00} available credit instead of the TRUTH -- {$900.00}.

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 2020-07-01 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: PNC Bank N.A.
State: PA

Complaint narrative:
My same PNC is not letting me withdraw or accept my money from XXXX

Company response to consumer: Closed with explanation