vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX a merchant, XXXX XXXX XXXX XXXX, double charged me for services. I called Well Fargo to dispute the second charge. After Wells Fargos investigation, they determined that my dispute claim is denied. After the denial, I call Wells Fargo on XX/XX/XXXX to get a better understanding of the claim denial. In turn, the supplied with a new credit card I did not ask for and ultimately never resolved my claim.

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 2021-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: DE

Complaint narrative:
I got involved with Freedom debt Relief and they were charging me high fees to settle debt so they said and at the time they settled nothing. They were sued in California for the same practices. I have never missed a payment in over two years and the majority of my money is going for fees high fees and when you call ask whats going on there is no reasonable answer. I really have no idea what they are doing with my money. in two years I have paid them over XXXX XXXX dollars. I had a debt with XXXX and I was faithfully paying and in two years time they did not give them two dollars which I knew nothing about until I had a police officer serving me papers to appear in court. I was told by Freedom debt that they hold off paying these debts in order to get a better settlement which is crazy. I would have been angry if I was XXXX I do and continue to this day to try and pay my debt I made a mistake getting involved with this company, this is the same thing they did in California. I should have dealt with my creditors directly and I tried but now its too late. I know I have a case her I just need help from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Our loan is serviced by Selene Finance, LP. It was an investment property which is now our primary property. Selene had given us a rate of 5.85 % as an investment property. We had renters staying there from XXXX till early part of XXXX. They stopped paying rent as their business was affected by Covid and they have moved out since and we have moved in and is now our primary dwelling. We are affected by not being able to get jobs to sustain us as we previously did due to our age. The tenants were protected by eviction ( rental ) moratoriums and now that they have left, we are left owing their arrears. We have a lot of equity in the house and want to hold it for another 3 to 5 years at least. Therefore we have requested Selene Finance to work with us on an affordable loan modification and they are not dropping the rate from a investment account to a primary owned property. 

For the last 3 to 6 months, we have requested Selene Finance for a loan modification that will help us retain the house by 1. Deferring the arrears to the back of the loan 2. To drop the current rate of 5.85 % ( investment home rate ) to around 2.5 % ( more in line with a primary home rate ) 3. to spread the terms over 40 years to make it more affordable for us We have made this request a couple of times by increasing withdrawal from our retirement income. They have denied us the loan modification based on our income. I have requested to see what interest rate they have used to qualify us and deny us and what income we need to have. We have also requested the investors name and contact information and they have denied to furnish us with this information. We would like CFPB to get involved and have them work with us. 

We have appealed their denial before and we will be appealing their second denial as we submitted our second application based on numbers given to us by some kind souls at Selene trying to help us get a loan modification and they still denied us. 

Please help us with this process. Thank you. Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: CA

Complaint narrative:
XXXX the XXXX I called chase cc, to explain that I got a new job finally but I get direct deposit on the XXXX and XXXX of the month. I was very concerned about being late. I had been accumulating my rewards points for over a year and had the equivalent of {$790.00}. I had once before requested the vouchers and used them SD payment. She said that they no longer send vouchers but can apply the points directly to my PAYMENT. I was so happy, because I have not been late on this card. 
On the XXXX I went to get gas and something told me to call and make sure everything was OK. To my shock I was late and no payment was applied. After speaking with not 1 but 2 managers I was told the rewards get applied to the balance not the payment. I explained that the rep failed to tell me this and had I known that I would have said no, I would have paid it day XXXX and called back to work on late fee. I would have never said ok. Both managers were as cold as ice and enjoyed telling me there was nothing they could do and I'd have to make my payment and they could not reverse my points. I have filed 1 complaint directly with chase before they did an " interal '' investigation and listened to the recorded call and they said that i was told by the rep but I was never given a transcript of said recorded call. This time I will not be ripped off. I survived 19 months of a pandemic, I lost my business, I've been banking with them for 19 years yet I feel like there are illegal things being done in their CC division. The rest of the bank acts as if it's a separate company or entity. I will hire an attorney this time, and contact my state rep XXXX XXXX to find out from XXXX XXXX if he is aware of how vile their cc divisions is. I am not letting this go ... i have a strange feeling this is the norm ... for them. It's not the norm for struggling consumers during a pandemic. I'm appalled and disgusted and this is not going away like the first one they " supposedly " investigated. I can not use the card to get gas to go to work now because it's late and I used the money I had to pay other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: TX

Complaint narrative:
On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Since our loan was sold back in 2019 and since changed Servicers twice, we have had consistent score changes and ongoing " Remarks Added '' which also affects the scoring. 
Both Servicers I've been fighting in the 23 month period to properly report payment history and in one case remove excessive balance amounts. This has been an 23 month pursuit that has yet to yield TRUTHFUL reporting.

More recently Transunion has entered the huge score drop that in most cases the my score drops more than 100 points and for not valid reason, considering there are no negatives accounts or missed or late payments. Fact is the only flaws on my credit report is what two mortgage Servicers has reported and refuse to correct. Now in the past month, Transunion has been doing the huge score drop and but they have restored it once. But like clock work, it seems that if I either apply for refinancing or maybe they think I have my score takes a huge drop. Sometimes they even attach the drop to one of my other accounts that has never shown a negative or missed payment, so we know any small change like the account being added, which usually increases the score because I have a very few account on record. This is interesting especially being told that the credit bureaus are allowing third or other parties access to consumer credit reports. And explains why in our near 40 year mortgage history, the last 23 months has produced these problems. We've never had problems with the credit bureaus before the loan sold back in 2019.

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 2021-08-28 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: CA

Complaint narrative:
In XX/XX/XXXX, I received a copy of my credit report from all 3-credit reporting bureau 's ; Transunion, XXXX, and XXXX. There were collection items on my credit report that were questionable. I reached out to all three bureau 's and disputed these items and asked them to validate this debt, verify this debt and provide me with supporting documentation ( wet ink signature of a contract with my name on it ) or any supporting documentation showing that this debt is mine. The reply back was simply, this debt has been verified. 
In XX/XX/XXXX, I re-disputed these items again, inquiring about methods used to determine that these debts actually belonged to me and to provide any supporting documentation that shows these 3-debts as valid and verified. Transunion and XXXX  failed to respond to me, failed to accurately and thoroughly investigate and failed to provide me with any supporting documentation.

The FCRA and the U.S. Congress states that the burden is on the credit bureau 's to provide documentation to the consumer that supports their verification and validation findings regarding a debt dispute. Reference : United States Court of Appeals, Third circuit, Jennifer CUSHMAN, Appellant v Transunion Corporation, No. 96-1553. Decided June 09, 1997. I cited this case when sending re-dispute request letters to all 3-credit reporting agencies, yet they have failed to comply.

In addition, I have received a collection letter from XXXX XXXX XXXX XXXX for a debt that I don't recognize as belonging to me, as I can't recall signing anything or agreeing to anything. They have also failed to respond to my request to send me supporting documents that this debt belongs to me. 
This is negatively impacting my finances and is causing great harm to me. These bureau 's have failed to follow debt dispute procedures. I am the victim of identity theft and having documentation validating and verifying this debt is imperative. These items should be removed when they failed to accurately verify and validate the debt and send me evidence of their findings. 
Please allow me the ability to submit my certified letters that included my drivers license, a current utility bill and my social security number so they may help identify me. As well as my certified letter to the collection agency requesting verification, validation and any agreement/contract that identifies the debt as belonging to me.

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 2021-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I received a copy of my credit report from all 3-credit reporting bureau 's ; XXXX, XXXX, and Experian. There were collection items on my credit report that were questionable. I reached out to all three bureau 's and disputed these items and asked them to validate this debt, verify this debt and provide me with supporting documentation ( wet ink signature of a contract with my name on it ) or any supporting documentation showing that this debt is mine. The reply back was simply, this debt has been verified. 
In XX/XX/XXXX, I re-disputed these items again, inquiring about methods used to determine that these debts actually belonged to me and to provide any supporting documentation that shows these XXXX-debts as valid and verified. XXXX  and Experian failed to respond to me, failed to accurately and thoroughly investigate and failed to provide me with any supporting documentation.

The FCRA and the U.S. Congress states that the burden is on the credit bureau 's to provide documentation to the consumer that supports their verification and validation findings regarding a debt dispute. Reference : United States Court of Appeals, Third circuit, Jennifer CUSHMAN, Appellant v Transunion Corporation, No. 96-1553. Decided June 09, 1997. I cited this case when sending re-dispute request letters to all 3-credit reporting agencies, yet they have failed to comply.

In addition, I have received a collection letter from XXXX XXXX XXXX XXXX for a debt that I don't recognize as belonging to me, as I can't recall signing anything or agreeing to anything. They have also failed to respond to my request to send me supporting documents that this debt belongs to me. 
This is negatively impacting my finances and is causing great harm to me. These bureau 's have failed to follow debt dispute procedures. I am the victim of identity theft and having documentation validating and verifying this debt is imperative. These items should be removed when they failed to accurately verify and validate the debt and send me evidence of their findings. 
Please allow me the ability to submit my certified letters that included my drivers license, a current utility bill and my social security number so they may help identify me. As well as my certified letter to the collection agency requesting verification, validation and any agreement/contract that identifies the debt as belonging to me.

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 2021-08-28 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: TX

Complaint narrative:
On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy. As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.

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 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Access to my two accounts, one personal and one a d/b/a/ XXXX  account, was completely blocked on XX/XX/2021 until I was ... forced ... to agree to electronic communication and a lengthy terms and conditions agreement, as part of the consolidation of BB & T Bank and Suntrust Bank . 

The lengthy agreement is something that should be reviewed by a lawyer. 

The electronic communications agreement includes text messaging. I do not text. Just as with 27.5 million other American adults I use a flip phone. This is something I've called to the attention of BB & T on, at least, two other occasions.

There is no way to modify the " agreements '' especially the one dealing with electronic communication. That means that customers can not access their accounts without surrendering their control of their own 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 2021-08-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
in XXXX to XXXX i was in bankruptcy in XXXX i was suppose to pay my second mortgage payment at that time XXXX  did not resume billing. after calling XXXX  they said loan was sold to XXXX XXXX, XXXX XXXX is my first mortgage and said they did not have it. after exhausting all my resources my lawyer said it will show up on my credit report and never did. in XXXX i started my search again with no luck. no company could find this loan. in XX/XX/XXXX Planet home lending started to send statements at first i thought it was junk mail. there was no notice that this was sold acquired by planet home lending. so i reached out to the phone number to try to figure out if this is the loan or fraud with no results, there phone system can only help with payment hard to talk to someone about my situation. I have sent 8 letters trying to resolve this. its been 7 years since this loan could be found. and they are accelerating loan and i can pay the amount owed at the time i was out of bankruptcy i can not pay the amount owed now. its 3 times the amount. and says last payment due XX/XX/XXXX. this loan was paid XX/XX/XXXX by trustee. Holding the loan for 7 years and not being able to find loan nothing on my credit report is very deceptive if not fraud. planet home lending not talking to me is very unprofessional business practice there statement is not accurate fees exceed what is allowed. this would have been taken care of in XX/XX/XXXX if it could be found XXXX dollars not XXXX and i am still willing to pay XXXX that i owed. if forced back to bankruptcy this will not happen. that's where its going with planet home lending poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: GA

Complaint narrative:
U.S bankruptcy Court ( XX/XX/XXXX ) ref XXXX and XX/XX/XXXX ( ref XXXX ), XX/XX/XXXX ( refXXXX ) I have tried to dispute using a letter and I have called several times about these bankruptcies on my credit report, and no response these bankruptcies were taken off my XXXX  credit report. but they still exist on my TransUnion

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 2021-08-28 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 — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2021 a purchase was made on my chime credit builder card for {$240.00} from XXXX that I did not authorize. I filed a complaint with chime and a few days later I was told that they didnt find any error and they were closing my dispute and not reversing the charge. I asked for the documents they used to determine there was no error and they sent me a letter stating that they called the merchant and the merchant said that my name billing address and email were used for the purchase ( letter is attached below ). I have never done business with XXXX. Chime is giving me the run around so they dont have to re open the dispute. They said if I send proof that I didnt make the purchase they can re open. When I ask what proof to send because o didnt make the purchase. they say anything to prove that but not giving me specific documents. Ive sent my web browser history, my emails showing I have never received and email from XXXX  and they keep saying thats not sufficient but. It telling me what to send in a case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was going to transfer my balance to another financial company when I read there would be a 24 hour hold on the funds I clicked no I declined that transfer however PayPal did it anyway holding all my funds without transferring and funds to other account

Company response to consumer: Closed with explanation