vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I used square card to take payment for items i was selling online. Square card sent the invoice to the customer and took payment via credit card from the buyer. They put the money in my account. I then shipped the items to the buyer, received signature confirmation! Several weeks kater a chargeback was filed as " not recognized ''. I provided square card with all of the emails which stated he had received the items, and filed the chargeback because he thought i was a scammer, but he would call gis bank and try to cancel the cchargeback, apologize for the confusssion. Dispite all of this evidence the money is still being taken from me. The amount is {$3100.00}, i am expected to pay even though i have no product. I tried to speak with square and they blocked my phone calls and are now threatening me with collections. I had to file a police report as this is FRAUD, he buyer clearly stated he got the items, and filed the dispute in error. His reasoning of " not recognized '' is clearly fraud and nothing is being done about it. It is considered grand larceny according to my local police dept. They should be going after the card company and or the card holder as fraud is illegal, and they have evidence of him admitting to such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to XXXX and Equifax to investigate the following inaccurate information on my credit report, which includes but is not limited to : Incorrect Names Incorrect Employment Incorrect Address Incorrect Credit Information In addition, I asked these XXXX companies to please send me all notices of corrections to anyone who received my credit report in the past XXXX months. 

These XXXX companies have failed to comply. My credit information on my report is very importand to me and I wish to get incorrect information off my report history as soon as possible. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
Google Pay has offers for spending at specific merchants after activating the offer in the app. One such offer was 4.5 % cashback for spending at XXXX XXXX. I followed all the instructions and spent at XXXX XXXX on XX/XX/2021 but have yet to receive the credit to my account. I sent evidence to XXXX, including the receipt and screenshots demonstrating the offer was activated and my credit card was enrolled in the offer. It has been nearly XXXX months of back and forth emails in which XXXX has frustratingly asked me to re-send evidence and insisted that my card was not enrolled, not understanding the root cause of their problem. XXXX 's process is simply broken. Even though the terms say you have to " pay with enrolled card, plastic or contact less. You don't have to use Google pay '', the system is not actually integrated this way as the plastic/contactless transactions ( at least on XXXX ) are not registered in the app. Presumably this is why I was not automatically credited, but XXXX has instead insisted my card is not enrolled even though I demonstrated irrefutable evidence that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX reported my experian credit report twice two different accounts number and wouldnt remove the lost and stolen account with the balance {$1100.00} and I have XXXX accounts now and I would like for the old account number removed from my credit report and keep the new account number on my credit report please fix and my second issues is Im unable to make any change on my XXXX online profile and Im getting a error message saying this online profile is not available I cant make any changes such as my phone number or request a credit limit increase at all or update my phone number

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 2021-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I and my children were supposed to get temporary credits based on dispute claims XXXX, XXXX, XXXX and XXXX from Bank of America. Most banks and Bank of America issued temporary credits for clients within XXXX business day. Dispute department has delayed for a long time. So when my bank account balance went down, and Bank of America charged overdraft fees XXXX times, total XXXX dollars Bank of America should return back all my moneys because low balance is not my fault. It is their fault for delaying to give us temporary credits. News medias and I will bring this case to XXXX XXXX office representing us. 
Evidences are attached ( including XXXX letter ) 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 monetary relief
Consumer complaint received 2021-11-23 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: MCU Holdings, LLC
State: UT

Complaint narrative:
XX/XX/XXXX, a representative from XXXX collections company called me and left a message. I called them back immediately and was transferred to the agent who left the message. The man told me I owed {$1800.00} to XXXX and that the company asked him to call me before they got XXXX XXXX XXXX involved. I asked if they are planning to sue me then since he said they were planning to get XXXX XXXX XXXX involved. The representative denied that he said anything of the sort and I asked him why XXXX XXXX XXXX would get involved unless they were planning legal action. He didn't really address that question. I asked for detailed information on the debt, account info, original contract, etc. and he said they sent me a letter ( which I never received ). He said he could email me the letter and I asked him to. When I received the letter, there was just the amount they said I owed, with absolutely no itemized breakdown of charges or original contract. Just a letter with company letter head. I watch my credit carefully and just refinanced my home. I don't have anything from XXXX on my credit and I don't recognize the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
At closing of the property, in which we were the seller, we learned of XXXX XXXX liens against property which turned out to be from a forbearance. Before we listed property for sale, I paid off the entire amount of the forbearance per flagstar. Now the title company held XXXX XXXX times the amount of liens to in escrow and flagstar will not release payoffs so I can get the funds and we on verge of missing closing on our new house. We called on XX/XX/21 and were told by the representative that she found the problem and it would take XXXX days to resolve. On XX/XX/21 we called to check status and it was like we were starting the entire process over again and now we are being told it will take XXXX days. Also the XXXX loans were never processed properly and never even applied to my mortgage. So when I paid back flagstar they just paid off my monthly payments for was behind and never notified 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 2021-11-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Regarding Transunion XXXX On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Transunion has on file ; and on XX/XX/2021 I sent Transunion a demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. It has been XXXX days and still noconclusion to their investigation. 

According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), Transunion is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 XXXX notice has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: NJ

Complaint narrative:
XXXX, XXXX and Transunion refuse to remove unverified information from my credit profile. I have disputed items on my credit profile numerous times and all XXXX keep sending letter saying all items were verified. These accounts are unverifiable and should be remove immediately, they do not belong to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Although many foreclosure attorneys representing banks are of the opinion that bill " XXXX '' favors banks by speeding up the foreclosure process, in actuality not only requires more paper work but also serves to prevent fraudulent lenders from filling frivolous complaints. XXXX XXXX XXXX ( XXXX ), requires that lender seeking a lost or destroyed note must attached a copy of a certification to the complaint " Under penalty of perjury '' The certification must detail a clear chain of all endorsements, transfers, or assignments. SPS failed to comply with this STATUTORY REQUIREMENT. SPS used a certification of lost note at trial which failed to meet the statutory legal language " Under Penalty of perjury ''. Therefore the affidavit is useless in the face of the law. Their affidavit failed to provide a detail chain of endorsement and assignments. See the list of documents filed before trial and used for the purposes. None of the documents filed in court have any legal enforcement whatsoever. See the list of docs attached herein for your review. The lost note affidavit never mentioned the word " Under Penalty of Perjury '', nor the assignment was ever recorded, nor the loan modification ever valid because the stamps and intangible were never paid and therefore not valid in the state of XXXX or with any legal " ENFORCEABILITY " IN ANY CIVIL COURT ROOM WIHIN THE ENTIRE STATE OF XXXX. Action is hereby required from the Consumer Financial to act, sps has engaged in a multitude of fraudulent documents without having any rights or enforcement on the face of XXXX XXXX. yes ladies and gentlemen, sps is the one of the biggest fraudulent financial predators out there! The question we have to the consumer financial Protection is WHEN ARE YOU GOING TO ACT? Don't just stand there, act!!!! The passage of time does not make void documents legit!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: GA

Complaint narrative:
In XXXX of 2021 I opened a Credit Karma spending and savings accounts ( with proceeds from a home sale ). Over the course of a month I deposited a total of XXXX into my savings account. On XXXX XXXX I withdrew XXXX ( earnest money for a new home ). When I tried to deposit additional money into Credit Karma on XXXX XXXX I was told my account was frozen. I emailed Credit Karma for assistance and was told my count was " under review ''. They requested a copy of my id and my bank statement. I sent my ID and expressed concern over sending my bank statement. Prior to doing so, I asked for an explanation as to why my acct was under review. I got no response. For the next XXXX weeks I called the only number I had for Credit Karma and was repeatedly told my account was under review ( no reason given ) and that the dept. that had the power to unlock it did not have a phone number and that I would have to wait for an email response. I got an email today ( XXXX XXXX ) stating my account is under a " risk review '' and it would be another XXXX business days for an update ( not resolution ). I need my money for a down payment on a house and having my money not accessible for a month seems unreasonable. The FDIC has agreed and suggested I reach out to CFPB. 

I have since read numerous complaints about the same thing on XXXX and social platforms. 

Credit Karma Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage was with Wells Fargo Home Mortgage. During the pandemic they offered me XXXX, 3 month Payment Deferrals I have the XXXX letters from Wells Fargo Home Mortgage detailing the deferring of XXXX payments ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then a confirmation letter of XX/XX/XXXX, confirming that then interest and principal payment defer of the XXXX payments was moved to the end of the loan. Wells Fargo Mortgage only deferred XXXX of the payments, and when I would call because my monthly statement showed that I was behind in my payments I was told that " they could see that the deferment was still in process and it takes time. 
For the first XXXX months of XXXX, I was attempted to straighten the issue out with Wells Fargo Mortgage, with no straight answer, having me fill out loan preservation applications, unanswered emails and phone calls not being answered. 
Wells Fargo Home Mortgage sold my loan and the servicing of my loan to XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX of XXXX. 
Since then Wells Fargo and XXXX XXXX have given me XXXX different answers on why the deferment didn't happen. Their answers in " quotes '' XXXX " The deferment process did happen '' with a paragraph that is just listing off the account entries, showing XXXX but not XXXX payment deferrals. 
XXXX CFPB policy changes and investor policy guidelines won't allow all the payment deferrals because In was behind in my payments XXXX I didn't get my " Payment Assistance application didnt qualify because I didnt submit by XX/XX/XXXX my XXXX most recent payment stubs. Even though the date of the letter that I needed to submit the paystubs was on XX/XX/XXXX gave me until XX/XX/XXXX, and XXXX sold my mortgage on XX/XX/XXXX. 
XXXX That the second XXXX month payment deferral was actually a " payment suspension '' and had XXXX had no obligation to defer payments. 
As a result, XXXX servicing is threatening foreclosing on my mortgage, they won't let me make a payment because I am more than XXXX days behind. 
I can make up {$10000.00} worth of payments. XXXX made a promise of relief during the pandemic, I took them up on that promise and planned my family finances accordingly, it is wrong for them to not fulfill that promise.

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 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I bank with Wells Fargo and my card was charged {$2300.00} thats with cash apps and other frivolous charges .I then called Wellss Fargo they investigate it just to tell me that the card was used with my person identification number and denied my claim. when I explain to them that it wasnt me at all they caught a attitude and told me take it up with the merchants .I then explain that the card was stolen and its like they didnt care.I then explain to them that card was stolen again and anybody could have used my card with or without the pin again they didnt care

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 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
on Friday at XXXX pm I received an e-mail from XXXX that my Conversion from XXXX was unsuccessful. I have submitted a Case with XXXX on Sat, XX/XX/XXXX, XXXX XXXX 

I am concerned that XXXX is taking too long to fix the " glitch '' that occurred apparently I was not supposed to do this conversion because it was not intended. 

The balance before the glitch, which multiplied everyone 's balance by XXXX times, has been restored, but we are still unable to trade. XXXX. 

We are still waiting to hear if we can trade XXXX, and if this is fair practice by coinbase, given the length of time it has been. 

Thank you kindly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Received notification that collection account was placed on credit file. No validation of debt received to date. This is in violation of the FCRA standards.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My debit card was hacked and used on XXXX. {$240.00} worth of merchandise was charged and shipped to an individual in XXXX XXXXXXXX AZ. Her name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( that is showing on my XXXX receipt ) I immediately contacted XXXX and they cancelled part of the order but were unable to cancel it all as the items were shipped individually. They told me to call my Bank. I called Chase Bank who is saying because the Transaction is pending ( XXXX has noted this is Fraud ) they can not do anything. So as of this morning I have {$7.00} in my account. I am frustrated given XXXX is 2 days away and Chase is supposed to protect my account. Help please. Both entities are pointing their fingers at the other and NO ONE IS DOING ANYTHING!!!!! I have receipt copies of the Fraud charges. Please help me. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had several payments that were suppose to post on XXXX XXXX. I was checking my account throughout the day and late into the night to confirm the payments were going through and to make sure I wouldnt overdraft. Not once did my account show it was overdrawn or was going to overdraw. I deposited more money the morning of XXXX XXXX and saw my account was negative due to my bank charging me a total of {$100.00} in overdraft fees. I contacted my bank to get a refund of those charges as there was no reason they should have been charged and were told they could not refund the fees imposed. My account is now in negative balance because of those fees and Im unable to pay other bills that are pending this week.

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 2021-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I paid off the balance in full for Comenity/XXXX XXXX XX/XX/2021 in the amount of {$2500.00}, which was the amount indicated to be paid to fully close out the account according to the payment site. Naturally, the account should close itself after the payment posted as no subsequent charges were made to the account. 
I was billed a residual finance charge a month later on XX/XX/2021 of {$5.00}, which I was unaware of as I knew I had no further obligation to this account. 
Once I realized that XXXXComenity was still sending statements, I called to find out what the charge was for and paid it immediately. This residual finance charge of {$5.00} reported as a 30 day late marker for XX/XX/2021, which is inaccurate as my entire pay history with this account has been on time. I never received any delinquent notice nor a phone call from their collections team to remedy. 
I initially called to review this with ComenityXXXX but XXXX refused to speak to me about the reporting of my account. I then submitted a dispute to the credit bureaus and ComenityXXXX XXXX XXXX negative reporting. But they have now put the inaccurate reporting back. I have again recently disputed and they have not resolved the reporting. 
It is disturbing that I have paid all charges due and interest that they required, they billed me more charges after the fact, and then report derogatory information for a {$5.00} fee that I was not even aware of. This is unfair treatment that I want resolved immediately. This {$5.00} fee has drastically negatively impacted my credit and my life.

Company response to consumer: Closed with explanation