vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
Our home loan was sold to Flagstar Bank in XX/XX/2020, with a new payment due XX/XX/XXXX. 
Having recieved short notice, I made our payment by paper check, though the mail. The payment was processed with out issue. 
For XXXX 's payment, I proceeded to set up an online account through their portal, XXXX. I attempted to pay for XXXX, only to discover, about 10 days later, the payment had been reversed. I did this with the same checking account that the first payment was drawn from. Thinking there was an error, I called to see what the problem was, and was told Flagstar was " unable to find '' our bank. I reentered routing and checking numbers and tried again. This payment was also reversed. Each attempt at payment and the reversal take an excessive 5-8 days. I called again, issued a paper check by mail and the payment was eventually withdrawn. 
My husband attempted to straighten out our online account for XXXX. He was on the phone with a representative for 30 minutes. They reentered the banking information together on the phone. We were told that the routing number correctly identified our bank, and that the account numbe was accepted. Much to our dismay, this payment has also been reversed. I once again mailed a check on XX/XX/XXXX. Today is XX/XX/XXXX and it still has not cleared. 
Yesterday, I recieved a letter from Flagstar stating that because of our history of failed payments, they will no longer take payment from us in any form other than a cashiers check or wire transfer. 
This company is treating us as if we are indigent, when it is their payment system that will not allow us to pay. I would love nothing more than for them to take our money, which we have in ample supply. 
I am not optimistic that filing this complaint will help us any time soon, but this company requires some attention for their incompetence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
on XX/XX/2020 I sent out a letter to Trans Union, XXXX  and XXXX, notifying them that after checking my credit report there were several credit inquires that I did not authorize on my credit report. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days i sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/2020 the North Carolina Department of Commerce deposited 2 checks for my girlfriends P.U.A. Covid relief unemployment benefits into my PayPal account and as soon as they were deposited Paypal put a permanent limitation on my account and is wanting to part ways and keep my money for 180 days. These are Unemployment benefits that came from the government and Paypal clearly states that there services can be used to have your government benefits deposited into a account with them. We have no means on paying our bills or anything because they are holding all of her covid payments which is {$16000.00}. 
XX/XX/2020- {$1800.00} XX/XX/2020- XXXX I provided them my government ID and everything they wanted and even proof of my girlfriends benefits and they just keep saying exssive risk and they want return the money or anything. I've also filed a complaint with the XXXX on XXXX XXXX2020 case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: NY

Complaint narrative:
The reason for this complaint, is because Equifax has repeatedly failed to address my concern and are acting in negligence. An account reporting on my Equifax credit file by the name of XXXX XXXX XXXX has been disputed numerous times for lack of validation. I have asked Equifax to conduct a reasonable investigation to which I receive automated responses stating that the account has been verified. See attached Confirmation # XXXX I have reached out to XXXX  XXXX XXXX to resolve this dispute to no avail. My last attempt was dated on XXXX XXXX where I made a request to XXXX XXXX XXXX to validate the debt. I never got a response. 
Letter sent on XX/XX/XXXX to Equifax to investigate the fraudulent account XXXX sent on XX/XX/XXXX to Equifax to re-investigate the fraudulent account Letter sent on XX/XX/XXXX to Equifax to request how the account was verified. 
Letter sent on XX/XX/XXXX to XXXX XXXX XXXX to validate the debt. Never got a response. 

I have done my due diligence to reach out to the creditor and Equifax, but I have yet to see any form of validation for this debt/account. If this complaint does not resolve my request, I will move forward and file a claim in the XXXX District Court of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I received mail saying I had an past due bill for an XX/XX/XXXX account but everytime I attempted to call IC SYSTEMS, inc ( the debt collection agency ) to dispute they never answered the phone. To dispute via their website, I would need to have a bureau investigation number, but the fact that this is NOT my account I dont know what it is. I decided to wait for it to hit my XX/XX/XXXX app then dispute it. Ive been disputing for over 3 months and nothing at all. Ive dispute even through my chase app and I believe IC systems is trashing ever dispute entered without reading it. Someone opened some type of cable bill/phone bill and stopped paying it in XXXX of this month. This account was never on my credit UNTIL the XXXX month meaning someone slapped my name and address on it and they accepted without rulos le checking. I want proof that I opened this account with signatures and dates. Its said how some debt collector workers get paid commission over something that literally can effect someones livelihood without double checking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: IL

Complaint narrative:
on XX/XX/2020 I sent out a letter to XXXX XXXX, Equifax and XXXX, notifying them that after checking my credit report there were several credit inquires that I did not authorize on my credit report. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days i sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: IL

Complaint narrative:
on XX/XX/2020 I sent out a letter to XXXX XXXX, XXXX and Experian, notifying them that after checking my credit report there were several credit inquires that I did not authorize on my credit report. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days i sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I sent out a letter to Trans Union, XXXX and XXXX, notifying them that after checking my credit report there were several inaccuracies being reported of late payments. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days I sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: HI

Complaint narrative:
In XX/XX/2020 I was alerted to a new account showing on my Credit Report. This new account was the result of Fraud and Identity Theft. 
I contacted the lender ; XXXX, XXXX XXXX XXXX and reported this theft. I also mailed in the FTC theft report to XXXX and a letter stating the theft and requesting it be resolved. I also filed an Identity Theft report with the FTC. 
XXXX reports to TransUnion. However TransUnion has failed to remove the fraudulent account information from my Credit Report. 
The account went delinquent around XXXX, and has now gone to a collection agency and that is also showing on my credit report. 
Clearly the system is broken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Good evening, I have had a horrible experience with Chase bank, I am in the process of filing a law suit. This bank where I opened my business account with has had such horrible customer service and absolutely no customer protection. I have an online e commerce company, the first time Chase locked my account for 7 days that meant no business no sales no incoming payments for 7 days during the heigh of covid 19. Than after repeatedly hounding them down calling 50x with no answer and being hung up on, they tell me if was their fault and than everything would be fine. Than I check my account 3 weeks later, to find out it is restricted again, this time they sent XXXX in sales back to the customer with no notification to me that their was a dispute nothing. Just sent my money back after the customers got their products 3 weeks after the sale.To follow they have decided to close my business account in the middle of the holiday XXXX shopping season. To date if progression and sales were to follow their average trend i have lost around XXXX XXXX dollars in revenue. Worst bank i have ever dealt with, the only time they do anything is if you mention sueing, they XXXX their own customers over with no amends nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX  is reporting an account as a charge off, when it is not it was paid in full before the first payment was due. 
Paid in full no deliquencies or charge off, Paid in full, Excellent payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX  is reporting an account as a charge off, when it is not it was paid in full before the first payment was due. 
Paid in full no deliquencies or charge off, Paid in full, Excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stuart-Lippman and Associates, Inc
State: OH

Complaint narrative:
this is a new complaint with reguards to stuart-lippman and associates a collection agency as i was involved in a accident on XX/XX/2020 as the other person involved in the auto accident they insurance company which was XXXX XXXX paid for they car damage of XXXX as XXXX insurance turned over the amount of the car repairs to stuart-lippman and associates as i was in contact with a person name XXXX XXXX who work for stuart-lippman and associates collection agency as she stated she attempting to collect a debt which was XXXX i told her i am disputing the car accident because i was not at fault in the auto accident because i did not run a red light so XXXX XXXX told me that she is submitting documents to the dmv to have my license suspended as she told me this more than once if i dont pay the XXXXon XX/XX/2020 XX/XX/XXXXXXXX submitted documents to the dmv to have my license suspended as i did some research and talk to some attorneys with legal aid a collection agency can not submit documents to the dmv to have my license suspended thats a violation of the fair debt collection practice act i faxed the documents to stuart-lippman and associates that states that a collection agency can not submit documents to the dmv to have to someone license suspended as XX/XX/XXXXXXXX did that on XX/XX/2020 i contacted XX/XX/XXXXXXXX and ask her can she show me documents that state that a collection agency can submit documents to the dmv to have my license suspended she told me she will have to contact her manager her manager XXXX XXXX contacted me and i ask her also can she show me any type of documents that states that a collection agency can submit documents to have someone license suspended she told me she cant show such documents of that i ask her repeatdly and i also told her that a collection agency can not submit documents to the dmv to have someone license suspended she said yes they can i said again can you provide me documents that states that she said she cant also on my first complaint in a response to my complaint a person said that the collection agency is required by our clients to notify the appropriate state agency that handle responsibiltiy issues as i want stuart -lippman and associates to provide documents to me stating that a collection agency can subit documents to the dmv to have someone license suspended as i provided documents to stuart -lippman and associates that they can not do that because they dont have the power to tell the dmv what to do only the court system can not a collection agency so im requesting documents from thus collection agency stating they can subit documents to the dmv to have someone license suspended as this place is in violaton of the fair debt collection practice act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20 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: IL

Complaint narrative:
On XX/XX/2020 I sent out a letter to XXXX XXXX, Equifax and XXXX, notifying them that after checking my credit report there were several inaccuracies being reported of late payments. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days I sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: IL

Complaint narrative:
On XX/XX/2020 I sent out a letter to XXXX XXXX, XXXX  and Experian, notifying them that after checking my credit report there were several inaccuracies being reported of late payments. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days I sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/2020 I attempted to re-finance my house with the existing Wells Fargo, who I have had the loan with for many years. I was trying to get a lower interest rate. I provided all of the documents and waited for some communication from Wells Fargo. I got in touch with Wells Fargo and they said I needed to provide my Divorce Settlement Agreement. I have been divorced for six plus years and have paid my former wife all of her equity in all our joint holdings. When I asked if I could provide just the parts that have to do with house and alimony I was told they would look into it and get back to me. Over two months I would contact Wells Fargo and got the same answer. Finally I received a letter stating I did not provide the documents that they wanted so the loan was cancelled. I paid for the appraisal of the house, and I feel they should refund me at least that amount, ( {$530.00} ). I attempted to contact Wells Fargo at least 25 times up until XX/XX/2020 and all I received was people hanging up on me, and a lot of smoke and mirrors, baloney, telling me how important I was to them, and how much they value my business. I was stressed out over the past nine months and have not got any satisfactory resolution of this matter. I believe they have discriminated against me also. I have the dates, and people I have talked to, on my log of this mess. I feel Wells Fargo personal are incompetent, and completely miss-managed this issue. I have been a Wells Fargo customer for many years, and will be refinancing my house with a company who values me as a customer.

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