vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: SD

Complaint narrative:
Regarding Cardconnect, a First Data Company : Their risk department closed our account without warning. Of the five days worth of processed payment transactions ( Batch receipts for XXXX = {$490.00} ; XXXX = {$370.00} ; XXXX = {$190.00} ; XXXX = {$260.00} ; and XXXX = {$400.00} ) totaling {$1700.00}, we received nothing into our bank account. I called Cardconnect and their origination entity ( XXXX ) numerous times and was told our credit card processing account was closed by their risk department. They said that since the account was closed, the charges were not processed by Cardconnect. That means that services we provided were not paid for because Cardconnect said they didn't charge the money, even though we have receipts showing everything was settled successfully. There is no way for us to recover that money. We view this as theft on the part of Cardconnect.

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 2021-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: DC

Complaint narrative:
NetNel reported three late payments on my credit in regards to student loans. The loans originated in XXXX with a separate loan servicer ( XXXX XXXX XXXX XXXX XXXX ). The loans were transferred to NetNel at some point in XXXX. I never received information from NetNel notifying me of the transfer. I entered XXXX   school in XXXX and my loans went into automatic deferment. After requesting a summary or copy of contact from NetNel I was provided a single document. NetNel sent a letter XX/XX/XXXX with a repayment schedule. The letter was sent to XXXX XXXX XXXX, an address I am unfamiliar with and never used ( I can provide a list of both my and my family 's addresses since XXXX if it would be helpful ). I was previously under the assumption NetNel had tried to mail something to my parent 's address, the address on my Master Promissory Note and the address my previous loan services sent communications. NetNel explained to me over the phone that I had selected " paper delivery only '' so they did not try to contact me by any other method. I have not been provided, nor would I have ever requested, a document requesting " paper delivery only. '' NetNel never sent any letters stating that loan repayment was required at this time, given that these were federal Stafford loans and the CARES Act forbearance. When I explained that the address that they sent communication to was not accurate, at this time or ever, I was told it was my fault for not updating studentaid.gov. My studentaid.gov address would have been correct from the time they sent their only communication, to now. When I go to studentaid.gov, the only way I could have ever discovered NelNet was now my loan service provider, it shows no next payment date. Within two days of receiving notice of the credit report, I paid off the three loans in full. For the following reasons I believe the late payments should be removed from by credit report : ( 1 ) I never received that loan payments had come due ( these were federal loans and without a formal understanding of FFELP loans and a reading of the CARES Act I would not have been aware that payments were due at this period ), ( 2 ) NetNel, would they have tried to contact me, had a incorrect address that was likely entered by mistake when they assumed the loan, ( 3 ) Before the credit reporting there was never any attempt to contact me that there was a missed payment, at a correct or incorrect address. For the entirety of the loan my contact information information was kept up-to-date by myself in every system in which I was aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
Earlier this year I was making my mortgage payments weekly at $ XXXX totaling {$800.00} a month. My actual monthly payment was only {$700.00} a month. Rushmore refused to apply these payments when they reached {$700.00} and would hold my money in a suspended account, which I believe is in my original contract to hold my payments until the monthly amount is reached. Even though the amount in my suspense account would exceed {$700.00} prior to the grace period they would continue to hold this money until after the date so they could tack on late fees and other charges. When I would call them they would claim that it was a computer error and my account was current or the payment hadn't processed in time. They were sending me monthly notices claiming nonpayment as well and threatening me with foreclosure even though the statement would show that they had received my payment it just was not applied. I also had the bank statements verifying these payment as I paid them directly from my account. I reached the point I was having to threaten getting a lawyer, but they continued this leading to me becoming very irrate. 
I adjusted my payment strategy to only apply one payment directly from my account on the XXXX of each month in the amount of {$710.00}. The harassment stopped until this week. My payment rose from {$700.00} to {$760.00} starting XX/XX/XXXX due to escrow changes and I did not update my automatic payment in time so I sent another payment of {$60.00} on XX/XX/XXXX making my total payment for the month of XXXX {$770.00}. I initially ignored the calls assuming that the payment had not processed yet, however this is XX/XX/XXXX six day since the payment was sent and 2 days before my grace date of the XXXX and I received another call and was hung up on when I answered so I called back and the computer claims I have not made my payment for this month. 
I'm paying more than I owe there is no way I am not making my payments. The company thankfully hasn't tried to make false claims of late payments to the credit bureaus so it has not negatively affect that yet. It has however severely frayed my nerves to the point that I take it out their customer service reps. when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG Financial Services, Inc.
State: NE

Complaint narrative:
CMG Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Papillion, XXXX XXXX Every Customer, Every Time, No Exceptions, No Excuses. 

This is the email tagline for one of their Jr. Loan Officers XXXX XXXX . My wife and I are looking to build a new home and put our house on the market in early XXXX. Before listing, we received two offers and went with one that received a pre-approval from this institution. 

We signed our purchase agreement with the buyer on XX/XX/XXXX and XXXX XXXX had almost two months to ensure the buyer he Pre-Approved was ready to go. The HUD appraisal was done on XX/XX/XXXX and the termite inspection was done on XX/XX/XXXX. A day before closing ( XX/XX/XXXX ) the buyer and seller 's agents are notified that the buyer may not qualify. 

As a last resort, the buyer 's agent reached out to another lender that typically is a miracle worker for her. That lender said there was nothing she could do and, in her opinion, the buyer would never have received Pre-Approval at their institution. While I understand things come up in the process, it seems like XXXX XXXX did not do his due diligence and will not admit his error. 

My advice going forward for anyone looking to use CMG Financial that I know in Nebraska : If you are given approval by this lender, follow up and ensure they are actually doing their jobs. Babysit them during the process so unlike the Pre-Approved buyer we had, you are not giving up your home expecting to move and left homeless the day of closing. 

As for my wife and I, we put our home back on the market before our contingent sale deadline and loss of our deposit. We paid for rent and mortgage since we moved out of our house on XX/XX/XXXX. XXXX XXXX dodged the phone calls of our realtor after XX/XX/XXXX. I really feel bad for the buyer as he canceled his lease for the day before signing and anticipated moving into the house that next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was on a 6 month settlement agreement with Capital One Car Financing, to pay {$610.00} a month for 6 months and my title would be given to me. It was set up on auto pay from my bank account. XXXX was the last month for them to take the last payment from my account. They evidently didn't take the last payment because they said that the payment was rejected because there was no funds in there. I didn't know they didn't take the payment until I received a call from them in XXXX stating I defaulted on my settlement agreement and I owe them {$3500.00} more dollars. At that time I explained to them that they made a mistake in assuming I didn't have the money in my account, so I faxed them my bank statement showing I had upwards of {$2000.00} in my account the month of XX/XX/2020. I also received my Title for the vehicle by the end of XXXX. And since XXXX they continously keep having people call me from their office stating that I can settle my balance of {$3500.00} with them, when I already settled my settlement agreement with them. If they never took the very last payment from my account, that's not my fault. It was setup as an auto-pay so I don't control that. It was they're mistake if they didn't take it out. But I keep being harassed and bombarded with phone calls weekly from their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
I have tried multiple times to dispute with XXXX  and the creditor directly. I am not aware or have done any business with Southwest. I have requested a signed document or other identification to prove I owe this debt. 

All I have received is statements. Anyone can generate a bill and say it mine. The company or the Credit bureau has not been able to provide proof the debt is valid and I am the true person that owe it. 

Please help me with this collection as it is hindering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: NJ

Complaint narrative:
I contacted Equifax on XX/XX/XXXX via USPS certified mail to dispute a few inaccurate collections on my credit report. I received a copy of my credit report and found the following item ( s ) to be in error. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$940.00} These are not my hospital bills. Please remove. 
I never received a response or investigation from Equifax into my dispute of these fraudulent medical bills on my report. I contacted Equifax a 2nd time on XX/XX/XXXX via certified mail and still have not heard from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020, I XXXX transferred XXXX dollars to my husbands XXXX  account from my Chase account in which he never received. I have transferred this amount of money to him every month for the past two years and never had an issue until now. 
We called XXXX bank and they told us the money never reached their banking system. 
When I called Chase to find the money- they opened a claim for me and told me that the money had been transferred and sent to a random chase account ( XXXX ) that was not my husband- but somehow was occupying my husbands email. When I asked if I could verify that this other person didn't have access to this email ( XXXX XXXX I was denied this. 
Regardless, The claim went through and the money was put back into my account. But not a short while later chase reversed the claim and withdrew the money again, stating that the money was sent to the correct account in the first place- when they clearly saw that it was not and they previously confirmed that they could see from previous transactions that it was not the correct account. 
At this point they closed my claim and refused to help any further. They told me it was a matter I was to take up with XXXX. However upon calling XXXX to discuss this issue : the system automates a response about how if your issue is with an online money transfer through your banking app, you must take the matter up with your Bank- and hangs up. At this point this is my last saving grace. I am not being helped on any front and XXXX dollars was stolen from my Chase account through XXXX. I do not know what else to do, so I am filing this formal complaint. 
I have provided attachments of bank statements and transactions from my Chase account to my husbands XXXX  account up until XX/XX/XXXX XXXX when the XXXX dollars I had sent was transferred to account random account # XXXX. 
I have also attached the claim notices I received from Chase banking. They are in XXXX form, if need be, I can resend through another medium.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. 
I was notified through an alert that on XX/XX/2020 a thief who stole my identity applied using my name and social security number, for a Capital One credit card. I notified Capital One of this fraudulent application. Capital One reviewed the application and determined that indeed the application was fraudulent and thereby cancelled the application. 
On XX/XX/2020 I formally requested through the Federal Trade Commission, a request for a copy of that application and request for other related records/documents from Capital One. To this date Capital One has refused to comply with that request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/XXXX Hello, I have a mortgage with Chase. On XX/XX/XXXX, I sent a check to Chase XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) in the amount of {$6300.00} which included {$1800.00} regular payment due XX/XX/XXXX + {$4500.00} additional principal. Check # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX PA XXXX ) ) cleared my bank on XX/XX/XXXX, but {$6300.00} did not appear in my account in Chase. I contacted the customer services departments of both banks and both banks pledged to investigate the matter. 
I received a letter from XXXX. They say Our records show that the above said check was cleared from your XXXX  on XX/XX/XXXX, and the XXXX was JP MORGAN CHASE. Also, XXXX provided me with a Source of Receipt ( SOR ) that describes this transaction and a photocopy of the check. I sent this information to Chase and ask them to conduct an investigation to find my money. 
I received several letters from Chase that copy each other and say : Our research shows that your check XXXX dated XX/XX/XXXX, for {$6300.00} was not received to be processed for your mortgage account As a result : 1. {$6300.00} disappeared from my account in XXXX 2. During the last four weeks, neither institution seemed all that bothered to contact each other, conduct an effective and thorough investigation to resolve the case. 
I would be very grateful if you could help me to resolve this problem. 
Thank you Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I've been suffering from XXXX and been living in assistance living at XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX since XX/XX/2017. 
I no loner can work or drive but I have received a letter from Amex with collections and charge offs from Amex which I have never used. 
Right now I am suffering from XXXX and been hospitalized forseveral months. 
Before I die I want to make it clear that I had never opened any Amex or used it. 
I probably have about a year to live but at lease I would like to dispute for fraudulent account which I had nver authorized to open nor used it. 
I no longer can walk straight or drive so please remove this account from Credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My previous complaint on paypal yesterday regarding the limitations on my account has been taken care of by paypal after they received the complaint from your office. HOWEVER they have not released my XXXX stimulus that was deposited into that account on XX/XX/XXXX. 2021. When I ask all of a sudden my account shut down and I could not log in and it would not Allow me to take screenshots of the page. 
Now paypal said last week on a phone call that all stimulus deposits was received and deposited to all accounts. However but mine is not there at all period. 
Again. They will not answer me back and I have messaged and emailed several times. 
I really need my money. And it is illegal for PayPal hold or hide it. 
Please help one more time. thank you all so very much XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing because I am not getting any where with XX/XX/XXXXand Equifax in regard to an dispute. I begin writing these companies since XX/XX/XXXX in regards to inaccurate information being reported from XXXX XXXX XX/XX/XXXXXXXX and XXXX XXXX Equifax XXXX. XX/XX/XXXXremoved this account when I wrote them to dispute this reporting. This account is fraudulent and I have been unable to get any resolution from the Data furnisher XXXX XXXX XXXX XXXX XXXX XXXX. I even wrote the CEO XXXX XXXX at XXXX XXXX on XX/XX/XXXX. He didn't respond to my letter requesting an investigation into my frauded application. I contacted the XXXX XXXX XXXX credit management team on XX/XX/XXXX and XX/XX/XXXX again no response. I've been writing XXXX since XXXX with no response so that why I don't understand how these credit bureau is getting verified, accurate and updated from my dispute. I can't even get a response back from certified and return receipt letter. I am no longer disputing this item and I am asking these credit bureaus that the dispute verbiage needs to be removed immediately. I just don't understand why I am being ignored from both off these companies. I am buying a house and this is causing issues with my pre-approval. Furthermore Equifax and XX/XX/XXXXis reporting wrong information on my credit report. I also wrote letter to CT Attorney XXXX XXXX again no response from them.

Company response to consumer: Closed with explanation