vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Having researched and found the owner of XXXX XXXX XXXX in XXXX, California I was offered an opportunity to buy the property for approximately {$600000.00} ; an estimated market rate for the derelict property. According to the owner, the house was purchased from a XXXX XXXX named XXXX who was starting a business and it seemed right to sell to a XXXX who attended XXXX and was trying to start a business. Despite the owner 's repeated attempts to sell me the property, the XXXX XXXX Wells Fargo refused to.return my phone calls and merely ignored the requests of the owner and myself. Therefore I filed a complaint with the CFPB and Wells Fargo responded. In their response, they promised to notkify me when the property was ready for sale. Not.only did they fail to.notify me, but they sold it based on fraudulent financial data and the purchaser was convicted criminally. The property has been renovated and is now actively listed for {>= $1,000,000}. I lost out on potential earnings of {>= $1,000,000}.

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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have tried to fix my issue with XXXX numerous times concerning my credit report. They are reporting numerous accounts that are inaccurate and unverified. I have looked at all 3 credit bureau reports and noticed XXXX is reporting the views on the cumberland was opened on XX/XX/2016. Then on my Transunion report I have that it was opened on XX/XX/2016. None of the dates match up on my credit report. They should all say the same exact thing. Every date from the date it was opened until the day it was closed or charged off should be the same. I wanting this account removed immediately from all 3 credit bureaus for reporting inaccurate information.

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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have tried to fix my issue with XXXX  numerous times concerning my credit report. They are reporting numerous accounts that are inaccurate and unverified. I have looked at all 3 credit bureau reports and noticed XXXX is reporting the views on the cumberland was opened on XX/XX/2016. Then on my XXXX  report I have that it was opened on XX/XX/2016. None of the dates match up on my credit report. They should all say the same exact thing. Every date from the date it was opened until the day it was closed or charged off should be the same. I wanting this account removed immediately from all 3 credit bureaus for reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im submitting this complaint against EQUIFAX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
In XX/XX/2018 I switched to XXXX  mobile service from XXXX. The salesman advised he would pay off any amount due to XXXX XXXX and took all four of our existing XXXX XXXX  phones. I received several calls from XXXX XXXX  advising me of a {$870.00} balance due. I made contact with XXXX and XXXX XXXX many times trying to resolve the matter without success. At one time I was told that the salesman was fired for making false promises to potential customers. The debt was sent to Credence resource management and is now on my credit report. Please help. Thankyou

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is reporting a charge off every month when it should be only reported once that it was charged off. Not that it has charged off 45 times which is impossible. They have XXXX XXXX  and XXXX XXXX which I am sure are the same company reporting Charge off numerous times on my credit report. XXXX XXXX  was transferred to XXXX XXXX because of the building being closed down. I am asking that XXXX XXXX and XXXX XXXX be removed and deleted from my credit report immediately. None of the dates nor information lines up with the other credit bureaus. I have asked for a full investigation numerous time from all of these bureaus. Nothing has been resolved. I am asking again that the XXXX XXXX  and XXXX XXXX be removed for reporting inaccurate information. All 3 credit bureaus have different information and I can't tell which is accurate and inaccurate. When you compare all 3 none of the info matches but the balance. No dates match or info about the debt matches. Then I have receive a letter from a company called XXXX XXXX that I am assuming has purchased this debt.

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 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am filing grievance against New Rez, https : //www.newrez.com/ I have been a victim of discrimination by my mortgage company, New Rez while applying for refinancing my home. I was denied the lower interest refinancing option even though I already have a mortgage with them at a higher interest rate. They delayed the process of closing after locking in the rate and offering a conditional approval 3 months ago. After completing the appraisal of the home and home owners insurance clearance, survey of my home by underwriting, New Rez denied me the loan. They were advice of my earning potential and temporary loss of income due to temporary XXXX. 
My loan was handled by multiple loan officers and underwriter and mistakes were made by New Rez in the application process. I was later wrongfully denied the loan and discriminated against and victimized by New Rez. Now I am caught between a rock and a hard place as I still have the mortgage with New Rez at a higher interest rate and was denied refinancing with them at a lower interest rate. I am seeking justice and requesting them to close the loan by XX/XX/2021 before the locking rate of 2.25 expires. They have denied my the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them, they said that they will hold my account for 180 days which is a very long time and I think it is inhumane act, I thought that I can't do anything about it because I'm a new user, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  is reporting a charge off every month when it should be only reported once that it was charged off. Not that it has charged off 45 times which is impossible. They have XXXX XXXX and XXXX XXXX which I am sure are the same company reporting Charge off numerous times on my credit report. General credit was transferred to XXXX XXXX because of the building being closed down. I am asking that XXXX XXXX and XXXX XXXX be removed and deleted from my credit report immediately. None of the dates nor information lines up with the other credit bureaus. I have asked for a full investigation numerous time from all of these bureaus. Nothing has been resolved. I am asking again that the XXXX XXXX and XXXX XXXX be removed for reporting inaccurate information. All 3 credit bureaus have different information and I can't tell which is accurate and inaccurate. When you compare all 3 none of the info matches but the balance. No dates match or info about the debt matches. Then I have receive a letter from a company called XXXX XXXX that I am assuming has purchased this debt.

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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX  is reporting a charge off every month when it should be only reported once that it was charged off. Not that it has charged off 45 times which is impossible. They have XXXX XXXX and XXXX XXXX which I am sure are the same company reporting Charge off numerous times on my credit report. General credit was transferred to XXXX XXXX because of the building being closed down. I am asking that XXXX XXXX and XXXX XXXX be removed and deleted from my credit report immediately. None of the dates nor information lines up with the other credit bureaus. I have asked for a full investigation numerous time from all of these bureaus. Nothing has been resolved. I am asking again that the XXXX XXXX  and XXXX XXXX be removed for reporting inaccurate information. All 3 credit bureaus have different information and I can't tell which is accurate and inaccurate. When you compare all 3 none of the info matches but the balance. No dates match or info about the debt matches. Then I have receive a letter from a company called XXXX XXXX that I am assuming has purchased this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRO Consulting Services, Inc.
State: TX

Complaint narrative:
PRO XXXX is claiming that I owe them {$3300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I rented an apartment and my lease was up in XXXX I am in the XXXX and was on XXXX orders and submitted all of this in order to move out early. After doing the move-out inspection the leasing lady said I would get letter in the mail along with a copy of the inspection form. I never received it. Once the apartment starting showing on my credit report I disputed it because I was never made aware that I would be charged and wanted proof of everything. I even tried contacting the company to settle it because after 5 years of fighting it I just wanted it removed. They refused the payment. The rep gave me the info on the website of the charges I had and the letter was not sent to my forwarding address but sent back to the address of the apartment I moved out of. 

Not only are they charging me for ridiculous damages but they also are charging me for 2 months of rent when I should not have been charged at all given I have them my XXXX orders. 

The account has been deleted from one report because they were unable to verify the account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
In early XXXX I called American Express ( AMEX ) to discuss card options. The representative told me I was " preapproved for a Gold and Platinum card, we ( AMEX ) can have it to you in two days. '' I stressed the importance of such an upgrade since I grew up relatively poor and that card would have emotional significance to me. The representative then spent the next two hours details the benefits of both cards, stressing, really stressing, even pressing my to accept on the phone, that I was PREAPPROVED. Not considered, but that the card was " already mine, '' I " just had to say yes. '' I considered it and applied later that night. I was denied. With a hard credit check on my report. I have called AMEX 6 times since this incident because : 1. I was proud of the achievement in fixing my credit and so told many people I was getting a Gold card. Now I look like a XXXX 2. AMEX said they would review the call. They determined that they made no mistake, but would not send me a transcript of the call now let me review it. I have had to threaten legal action and they still say they " made no error. '' I can assure you that they did, as I spent two hours on the phone with someone who lied to me so they could make their quotas.

3. Two separate managers told me that what happened was unacceptable, and that I would be emailed and the problem would be solved. AMEX has completely avoided me, hoping I will go away. I will not. 
4.I told the representative on XX/XX/XXXX I would pursuing this further. They still would not send me the call Look, AMEX really played me. Multiple people have lied to me. My solution was ok, I'll pay for the Gold card ( I didn't even want anything free ) since that was what was promised. 

Now I have spent 20+ hours on this issue. I am beyond angry and AMEX negatively affected my credit score, made me look like an XXXX, and wasted my time. 
This issue has taken more than a month. AMEX has made 0 contact with me. They have admitted guilt but done nothing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: LA

Complaint narrative:
I have a claim with the mortgage company from the hurricanes. The insurance finally paid me in XXXX. I had to send the check to the mortgage company because they were also listed as payee on the check. On XX/XX/XXXX the mortgage company received the check. 

I have been calling weekly since then to get the money sent to me and they have still not released my money to me so we can rebuild our house. Every time I call its a different excuse as to why and I have to speak with a different person every time. 

I have asked to speak with a supervisor the last 4 times I called and they tell me they do not have a supervisor available but one will call me back. I have never received a call back from a supervisor. 
It is now XX/XX/XXXX and they are holding on to money owed to me to repair my home that is currently not livable. 
Please help!! 

Mortgage company is ServiceMac

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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I sent my son some money for my grand kids. I used my cash app to send the money. The amount was {$140.00}. My son said he misplaced his password and tried to get help from the Cash App Support team. My son followed the directions sent by the support team but still was unable receive the funds. After haggling with the support team many times their was one gentlemen who said they were not authorized to return the funds to me because the funds were stuck out there in virtual space. I was upset that a company like Square Inc. who owns the cash app service did my son and I a disservice. The company does not even have a phone set up to talk with some one. You have to email back and forth. Now XXXX XXXX the XXXX of Square Inc is worth {$12.00} XXXX dollars and you mean to tell me that I can't call anyone to rectify the problem when you handle money transfers daily and I can't get my {$140.00} back because my son misplaced his password? Something is wrong with this picture. So, I did some investigating and I have seen other Cash App Users have had problems with the App. I will attach a communication between myself and the Cash App Support team.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On Saturday XX/XX/2021, I sent various payments to a person which I thought was a legitimate provider of a service. Upon paying {$550.00} XXXX in various increments, this person then cut off all contact with me and blocked my number. I then tried to contact the bank and was later told my claim was refused because they had said even though it was a scam, it went through successfully according to how I decided to send the money. They then told me I can do nothing more except look over documents saying why my claims were refused. I have been completely honest with my bank and yet they still tell me that there is nothing that can be done to get back my hard earned money in the event of a fraud/scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation