vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-18 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: TX

Complaint narrative:
see attached file, the credit bureaus are reporting this account inaccurately and they are violating the FCRA CARES ACT.

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 2021-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
see attached file, the credit bureaus are reporting this account inaccurately and they are violating the FCRA CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I received an email that my credit was run by Amerisave. Thankfully I have a freeze on my credit so the pull did not go through. I applied for a loan with the company in early XXXX but decided to purchase through another mortgage company. I have not heard from this loan officer since XXXX XXXX. I then received an email from this loan officer asking me to log into my account and update the information as a returning customer. Upon logging in, all of my old application info was updated with XX/XX/XXXX date and they were asking for most recent pay stubs. I spoke to the loan officer the next morning, XX/XX/XXXX. He said he had no clue what happened and underwriting decided to run my credit. First, this is illegal without my permission. Second, this file should have been closed after months of inactivity. Third, why would you still make all my info available and update from 3 months ago ( pay stubs, bank account numbers, W-2s, my entire life was in that application ) Shouldn't that info be purged after a certain period of time. This is how data breaches happen. Forth, the company has yet been able to tell me why my credit was run. I have been a victim of identity theft. I'm now wondering if it it came from this company or did the identity thieves call impersonating me? ALOT of unanswered questions and the company is only saying we will cavcel the application but it will take days. I want answers. I want to know who gave them access to run my credit and was their a breech in their system. I want all my personal info purged, not just the application cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A fraudulent checking and savings accounts were opened in my name using my social. I currently bank with Wells Fargo and had 4 accounts opened with them. These new accounts used a different email, phone number and mailing address when opened. Then the identity thieves opened a new profile with a seperate social to access these accounts online. At no time was this flagged or notified me. If using my name and social but everything else was different, why wouldn't these be flags in their system. I could see all of these accounts under my profile but they said the fraudulent profile could only see the 2 new accounts. Doesn't make sense to me. 

The fraudulent accounts never had money put into them but they transferred {$100.00} from the checking to the savings. How do you transfer money when no money was there? So the account was negative {$100.00}. Then they transferred {$160.00} from the savings to a XXXX XXXX Checking account. Again how do you transfer money out of an account when no money was ever there? Wells Fargo couldn't even explain the activity. All of these things should have been flags in their security system. Where are their protocols and protection to the consumer?

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 2021-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express Savings constantly & non stop sending me email asking me to fund my savings account. So time came i had some money and funded mentioned Savings Account. Ive probably move movie ( {$20.00} not more ) from my external pre paid account to this savings & vice versa. Until one day I eas to login to check status of a certain transfer, i couldnt login so I call and talk to someone and asked whats the status of my account why dont i have the access to it? 
He went put me on hold, then came back and told me, theyve decided to close my account due to suspicious activity? Anyways, long story short, i accepted their decision bec i dont wan na have to argue with themnbec funds are less than {$100.00} dollars! Which is not my point though. My frustrations are.. theyve closed my savings account and kept my funds too??? Why is this happening to me to much? I cant put my life back together bec of all these XXXX! Please XXXX me retrieve my money back! I need it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
After given several cease and desist notices still sending several written communications. Even attempting to have XXXX XXXX XXXX harass consumer. Refusing to comply with consumers request to cease and desist.

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 2021-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
This complaint is regarding Paypal. I was a Paypal customer for over a decade with no problems. 

On Thursday, XX/XX/XXXX I received an email stating that my account was permanently " limited '' ( closed ) but no reason was given. When I called the company I was told that I had violated one of the prohibited action provisions in their User Agreement, but none of the three people I spoke with could tell me which one. I reviewed their prohibited actions, and I am certain that I did not violate any. I have offered to prove this several times but was only told that this " type of violation '' was " irreversible. '' However, no one could or would tell me what " type of violation '' this was. 

There was some increased activity on my account just before it was closed : typically I just use Paypal for online purchases or donations. However, I had recently laid out funds for an event for a community group I am part of, and some members were paying me back. I received three payments of {$33.00} each before the account was shut down. I offered to prove all of this to Paypal, and sent them screen caps of the receipt for the event, and emails discussing the reimbursements, and received only a form response which made it seem very likely that no one had even looked at what I had sent them. 

In addition, Paypal has frozen the {$99.00} that had been paid to me, and I received an email that after 180 days they will inform me of how I can obtain the funds ( not that they would release the funds or credit my account, just that they would inform me of how I can obtain them ). 

In doing some research online, it is clear that I am not the only person Paypal has done this to. A quick XXXX searched turned up this discussion on their own community message board that contains many very similar stories : XXXX  : XXXX. Many of these people have lost far more money and endured greater hardship than I have. Fortunately, I do not rely on Paypal for my income. 

I am hoping that you can look into this, and that Paypal can at least be made to have some sort of dispute resolution process, rather than simply kicking people off, accusing them of violating the User Agreement with no proof, and ( most likely ) just keeping their money. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Hello, since 4 months i dont have any access to my account on Kraken. I tried and did everything possible and still there is no response.

When my account was blocked, i wrote many support tickets with all documents to prove my identity, these tickets were also escalated, so it was put forward. They promised to reply via email, still this day, Im waiting for that reply. Through their Live Chat, i spoke with their service staff many times, they just wrote the same generic answer, that they cant do anything for me. 
I did even post many times on XXXX/kraken support and there it was the same case. 

They dont have any service phone number or a office where you can go. I`m completely out of option and totally desperate. My coins and my deposit on my account, i dont know what is happening with it. It`s been over 4 months and there no help at all. 
For a realtime trading company this is horrible, it is a absolute breach of contract. 
This is criminal. 

Please someone need to help me, Im desperate and helpless. 

kindly regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Unbeknownst to me, apparently, in XXXX, my mortgage company sold my mortgage to a company known as " Mr . Cooper. '' I started receiving generic letters from " Mr . Cooper. '' I presumed it was just spam. Never did I ever expect or imagine a mortgage company would be called " Mr . Cooper. '' My son finally opened one of their letters yesterday because he had recently bought tires for his car from " XXXX XXXX. '' Suffice to say, we were shocked to find out that Mr. Cooper 's legal team was notifying me that I was {$4900.00} in default and that Mr. Cooper would take legal action. 

Lucky for me, as a retired XXXX XXXX, I have the means to pay this sum of me. I have had many many mortgages and they are have been bought and sold and never did I have to restart my automatic deposits. I can only imagine those less well off than me who are about to lose their homes to a company that has cleverly chose a name so as not to bring attention to itself or let you know the importance of them. I think this is nothing but an effort to take the homes from people by naming a company a ridiculous name so that its customers will not realize the severity of ignoring them. 

I hope you will take a look at the duplicitous business practices of this company and the intent/origins of their name. I bet you will find that many of its customers are defaulting on their loans simply because they were unaware that their loans had been bought out. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo took my XXXX XXXX XXXX XXXX while I was totally 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 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I broke my lease with XXXX in XX/XX/2021 due to security circumstances. I had to pay a debt to break my lease. I have been having communication issues with them due to their negligence on correcting my online account to pay my bill online. I paid the first portion by money order in person ( this was a 30 minute commute for me ) after I addressed them that if they don't fix this I will have it reported, they finally fixed my online account so I was able to pay the final portion of my bill in XX/XX/2021. However, I was still receiving emails from their parent company. I informed them by email again that I paid my bill and if these emails continue I will report them, so they stopped. However, when I checked my mail today ( XX/XX/2021 ), they apparently sent my " balance '' to a collections company. This is false because I have emails, screenshots, and even I can show you a screenshot that this money was withdrawn from my account to XXXX. They have the money. I don't know what they did with it but considering I did my part, it is not fair that they are demanding money that I don't owe them. After many attempts to warn them of this abusive behavior, I'm now forwarding this as a complaint. I also would like to add that this rental property has a reputation in XXXX of taking advantage of people in the poverty line. They would do all they can to take your money and now I can show my story, because they are trying to do this me, even though I paid my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
Since XX/XX/2020, Helvey & Associates, Inc at XXXX XXXX XXXX XXXX XXXX, IN XXXX has been sending me collection notices in the amount of {$280.00}. 

The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: PA

Complaint narrative:
On XX/XX/2021 Transuion was supposed to remove fraudulent accounts XXXX XXXX, XXXX XXXX XXXX XXXX  off my report as well as 6 Hard inquiries XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, Factual that are no obligation of mines 1692b. It is pass the 30 days need to review. Transuion has denied my access too my credit Report via online and over the phone. This is violating my consumer right 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691 I sent them a affidavit of Truth, Cease and Desist, Validation letter, and a invoice for 15 usc 1692k- civil liability ; for failure to comply with a provision of this subchapter.

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 2021-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: SC

Complaint narrative:
For the last 4 Months, my Monthly payments have went from {$780.00} to {$1200.00} this has caused a hardship and a struggle to keep up and prevent from getting behind in my payments. I have reached out to my loan servicer on several occasions only to be bullied into paying without any suggestions or help or any available solutions Although I have a signed contract with a fixed rate loan, my payments exceeded {$400.00} over my contract amount. We are currently in a pandemic were hourly salaries are impacted from week to week based on consumer buying habits. There is currently a moratorium on mortgages through the Federal Govt yet Ameris Bank has engaged in price gouging and very slow relief efforts. 
I applied for the lower tax rate of 4 % with my local county Assessor 's office which took 10 weeks to go through the review and approval process. Although my loan servicer knew an approval would mean a reduction in taxes owed I was told that I had to continue to pay the overage until they received the information and proof. 

They have received this information yet when you call them they continually have an excuse as to why my mortgage payments have not been returned to normal, They have no urgency in trying to help me except to bully you by saying you must pay the overage until the issue is resolved. {$400.00} is a large amount of money, money that can be going toward other obligations to keep those bills from going past due!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: MA

Complaint narrative:
Trans-union failed to delete a delinquent account that had been resolved with the CFPB. 
XXXX XXXX  informed this credit reporting bureau to delete the account and they failed to do so. 
I also submitted evidence that the account information be corrected as not delinquent to Trans-union.

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 2021-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
We refinanced our home in XX/XX/2020. The company we had was Loan Care. I thought it went smooth but we have sold our home and upon the title search found out that the lien loan care had on our home they had paid it off but have not released the lien. In turn this will not let us close on our home. I have tried for over 3 weeks and have been told every excuse in the book promised to have it done XX/XX/XXXX and I still do not have it done. I have missed several job openings, rescheduled the XXXX, rescheduled my work here last date 3 times. We must have this to close and need ASAP before the people back out from buying our home. Please help me get them to finish this so we can close our loan.

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 2021-07-18 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX failed to delete a delinquent account that had been resolved with the CFPB. 
Synchrony Bank informed this credit reporting bureau to delete the account and they failed to do so. 
I also submitted evidence that the account information be corrected as not delinquent to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a complaint # XXXX as Experian has stopped computing and publishing my XXXX  score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my XXXX  scores for 7 months now. After investigating with XXXX XXXX XXXX XXXX, where I do have a XXXX  Mastercard account since XX/XX/XXXX with ( statement attached ) XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX ( attached ) from XXXX XXXX XXXX  certifying that they do properly report to Experian all my financial payments. In addition, I can see some of my financial data appearing within my online Experian account ( scree capture of today attached ) where the year XXXX and XXXX are fully missing. This is the proof that Experian knows about my account at XXXX XXXX but do not investigate on the failure cause and resolve the issue.

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 2021-07-18 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: PNC Bank N.A.
State: AL

Complaint narrative:
Between XX/XX/21 and XX/XX/21 there were a number of fraudulent charges made on the credit card I had at that time, totaling {$5100.00}. I called and reported this to the credit card company, BBVA Visa. They cancelled the card and issued me a new card, sending it to me via US Mail. Before I received the new card in the mail, I noticed on my account for the new card ( via online banking ) that all the fraudulent charges had been transferred to the new card, but the amounts had changed somewhat. On the new card, which I have never activated, the fraudulent charges total {$2800.00}. Again, I called and disputed the charges and advised them that the amounts of the charges had changed from the original card. On XX/XX/21 I received a letter from BBVA Card Fraud Operations Group that the investigation was closed and the " corresponding credit applied to my credit card account in the amount of {$590.00} is considered final ''. They are charging me interest on the fraudulent charges. I will continue to fight this with BBVA, but have been advised I needed to report the issue to FTC, which redirected me to CFBP. Any help you can provide will be greatly appreciated.

Company response to consumer: Closed with explanation