vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MO

Complaint narrative:
I submitted an international money transfer request on XX/XX/2020 to help my parent in XXXX for {$500.00} in USD through Remitly.com. It was promised to be delivered on XX/XX/2020 XXXX XXXX   PDT which is XX/XX/2020 XXXX XXXX  KST for the amount XXXX in XXXX. That day, I was contacted that it was stopped by their quality assurance team that it needs some additional information of my recipient. I understood that and waited. I continued to notify my parent that the bank would contact her for verification and I made sure that she was aware if somebody contact her for more bank information. A few days later, my parent still hasn't heard from anyone and I was contacted my Remitly team again that it the transaction was failed. And they need the same information ( recipient name, account number and the currency unit ) to resubmit the transaction or cancel it for refund. They requested me to call them or email them back. I first tried calling, but I could not connect to anyone possibly due to COVID-19. Even though in the e-mail, I need to reach them as soon as possible by phone or email. So instead of calling them, I emailed them back with the information they requested. The next day or two, I receive the same email saying they need the additional information. They apparently hasn't received my respond. I tried calling them again, no answer. So I email them back again with the same information. The next day, I get another same email requesting the same information for the third time. I respond back the same information for the third time and request them a refund and a cancellation since this has way passed the time they promised and my money is on the air. And I am having such hard time communicating with them, I can not get a hold of anyone on their team. I do not know where my money is at right now and I can not talk to anyone. It's very frustrating because I was trying to help my parent not being able to work due to COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: AR

Complaint narrative:
I recently realized my identity had become compromised and that I had become a victim of identity theft. I reached to all three of the major consumer reporting agencies to file a dispute an to submit an identity theft report as instructed by my local law enforcement agency. I included a copy of my drivers license, utility bill, and social security along with an updated copy of current address, name, and etc. I also was sure to include in the identity theft report a list of the fraudulent addresses associated with the fraudulent accounts to make sure the were removed from my credit file. Some of the accounts in question, being the identity theft report would only allow me to list 5 are 1.XXXX/XXXX  XXXX  XXXX  # XXXX, 2. XXXX XXXX XXXX  # XXXX, 3. XXXX # XXXX, 4. XXXX XXXX XXXX  # XXXX, 5 XXXX # XXXX. I received a vague notice from Transunion Report # XXXX stating they were not able to honor my request due to my documents not being ledgible. I find this unacceptable due to fact it was legible enough for Transunion to mail this bogus response back to me.This This highly unacceptable when I provided Transunion more than the required documents and in addition Transunion has not provided any proof nor has provided any nor accurate verification period. Anyone who would have access to my personal information would be able to fraudulent open or establish accounts in my name. Transunion has violated the Fair Credit Reporting Act sections 605b, 609, and 611. I have sent Transunion more than enough of supporting documentation supporting my claim and yet these fraudulent accounts sill remain on my credit file. My consumer rights have and continue to be violated, not to mention denial of credit from creditors continues to be an 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 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I already submitted a complaint, ref # XXXX. However, I need make a correction on the mortgage payment amount referred to in two areas of my complaint. Since this can not be corrected, I am submitting this new complaint. 
On XX/XX/XXXX, I refinanced my house located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX through a loan company called XXXX XXXX. The loan was done to pay off my back taxes on a XXXX XXXX. The loan servicer was XXXX XXXX XXXX XXXX. They took an excessive escrow amount for impounds on property taxes. A payoff processing fee of {$7600.00} and additional amount of {$6700.00} for property taxes which totals to {$14000.00}. My interest rate was suppose to be 5.7 % but they changed it to 5.8 and included a prepayment penalty on loan document signing. The payment schedule is confusing on the loan disclosure. It states that the monthly payment will be {$1600.00} which included principal and interest. Now, my mortgage statement says this will only include interest and they have my monthly payments at {$3000.00}. They have not corrected my mortgage payment for the adjustment in property taxes. I have called both XXXX XXXX XXXX XXXX department and I contacted Select Portfolio Servicing three times already to correct this. SPS sent me a letter on XX/XX/XXXX about hazard insurance required on the XXXX XXXX XXXX, XXXX XXXX, CA XXXX and they plan to buy insurance at a possible higher cost. I already had insurance and they were sent the documentation. Because of the problems in servicing my escrow account, I notified them in writing on XX/XX/XXXX, that I did not want an escrow account. I told them that I already paid my property insurance/property taxes and plan on paying both in the future. Yet, Select Portfolio refuses to refund the money taken for my escrow impound account and keep sending me for monthly mortgage payment of {$3000.00}, which is incorrect and I can not afford. I have been making a monthly payment of {$1600.00} on time. That amount is for the first 120 months which is stated on the first page of the loan documents. I want my escrow money refunded, my mortgage payment reflecting {$1600.00} to include principal and interest. I'm worried that they will foreclose on me for not paying the mortgage amount that they are requesting. I would greatly appreciate if you would investigate this matter and this resolved. 
Sincerely, XXXX XXXX SPS Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: OK

Complaint narrative:
There is a car loan with a repossession on both my Experian and XXXX Credit reports. I have tried getting information from both the lien holder and car dealership listed on the report. The car dealership is no longer in business and the State of Oklahoma has no record that the entity existed as a legal business in the state of Oklahoma. I have repeatedly requested information including a contract and signatures from XXXX XXXX XXXX regarding this transaction. I believe this is a case of identity theft and I am unable to provide ANY information for an investigation and XXXX XXXX XXXX has NOT provided proof of the debt to me. I have disputed with all three credit bureaus. XXXX  concluded that XXXX XXXX XXXX has NOT and CAN NOT provide proof of debt and removed it from my report. Experian says the debt has been verified. I have repeatedly asked Experian both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my aforementioned dispute. Experian has NOT provided this information. It has been more than 6 months and I have made multiple calls and sent several letters that have gone ignored.

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Im working on myCredit and I see a couple of inquiries that I have no idea where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Purchased 3 pairs of boots/shoes from company online - it was fraudulent XXXX popup site and when they provided international tracking # I knew it was scam. The shipper wouldn't respond to emails and once item showed delivered ( XX/XX/2020 ) to my 3 inch by 12 inch mailbox I went to check - no items. But shows delivered- Junk mail? Not exactly sure what came- but never received 3 pairs of shoes!!! I called Barclay XX/XX/2020 and filed claim - they gave Case ID XXXX and opened investigation. Barclay 's called XX/XX/2020, and left me on voicemail, and I called them back 5 minutes later and spoke with a rep who asked me if I received my package, and I again stated NO - nothing received. On XX/XX/XXXX, I check my card statement and see that they ruled in the scammer 's favor saying that I didn't respond to call, and that scammer has proof of delivery (? ) how do you have proof of delivering 3 pairs of shoes ( XXXX western boots ) to a 3 '' x12 '' mailbox? The order was {$76.00}, which I get that I fell victim for 'bargain ' prices - won't ever do it again. I contacted Barclays and faxed them a letter as directed and have not heard a response back.

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 2020-03-25 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: OH

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
I have made several attempts to resolve this issue. I am not sure if National Credit Audit Co is a legitimate debt collections company. They have the same rude person XXXX, asking the phone. I called again on XXXX XXXX around XXXX XXXX  to discuss this possible debt. I informed her, if a settlement was available, and I want a notice from the debt collection agency.XXXX placed me on hold, and then disconnected the call on purpose. She refused to send any information, regarding the debt. First I do not agree with the debt. Second, this place seems like a scam. Why are there only 2 people working, the same. I am asking to investigate this company further, to confirm. Then I want a copy of the notice, t mailed to my address provided on the complaint form. If this place is not a scam, settle the account with someone other then rude XXXX. its unacceptable for XXXX, to be rude and unprofessional and lie about disconnecting the call. I did a screen snap, to show she placed me on hold as evidence if needed. Resolve my issue and remove from my credit report. 

* XXXX claims I disconnected the call, which is a lie. If that is the case, why did she not call back. I immediately called back and left a message. Clearly XXXX is not telling the truth

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
1. In 2018, my access to my account was limited and the bank said they need to complete investigation which was estimated to take one month. All the questions and information requested were given. 

2. I have attempted severally to reach the people handling the account without success. 
I called and left several messages and text on the account with no response or reply. 

3. I noticed severally were withdrawals were made by the bank and called the bank to find out who was taking money from my account. I noticed the few days the money was placed back into my account. This has been on going since 2018. 

4. My request to the bank is clear to close my account and return my balance with a cashier 's check to my home address with the account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit A*R, Inc.
State: TX

Complaint narrative:
I recently discovered that Summit Account Resolution is reporting a debt that I do not owe to all three credit bureaus. After discovering this discrepancy I reached out via certified mail to Summit Account  Resolutions providing proof of full payment made to the original creditor and also requested removal of the negative account being reported. Summit replied by mail still requesting that I remit payment for a debt that I do not owe ( refusal to remove negative account ). This is a violation of the FCRA and if this matter is not resolved immediately I will be filing a claim for damages.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted loan application documents at the request of personal who contacted me from Prosper services. I realized that my name was not correct on the loan, it was XXXX, my former legal name. My new name was XXXX, and I forwarded the appropriate court documents and drivers license to verify. I was verbally told by phone that I was approved and that I should submit these documents and confirm my application online. Upon submitting everything, I received a call on the morning of XX/XX/XXXX, confirming yet again that I had been approved. I logged into my account after receiving an email stating that I had an update. Upon logging in I was notified my account had been suspended and my loan was cancelled. The message read : Unable to verify identity, employment, credit history, income or other information on the application.This is impossible as I had provided all necessary information and documentation to Prosper.I called back and was told " sorry, and to reapply in 90 days, '' as this was unacceptable I asked to speak to a supervisor. His name was XXXX, and he told me this would be forwarded to investigation services for their review. They are no refusing to answer my calls and update me on the investigation, meanwhile a hard credit exists without any reasonable answer as to why they cancelled my loan request.

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 2020-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged a overdraft fee, due to insufficient funds. Over 2 plus  years I signed a document stating if I dont have the funds in my account dont accept it. But Wells Fargo continues to accept it, so that they can receive the {$35.00} fee.

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: DE

Complaint narrative:
Im working on myCredit and I see a couple of inquiries that I have no idea where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.

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 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
Around XX/XX/2018, I called XXXX XXXX to shut off my service. At that time, I was required to pay off the entire remaining balance - which I did. A few weeks later, I called again to make sure I didnt have new charges so I could pay them. At that time, I was told I was up-to-date and that I did not have a balance and that my account account had been terminated. 

Recently, I got a credit report alert that I had an account in collection. Ive tried to call the collection agency several times and no one answers. 

I need to know why no one has tried to contact me in the last two years  about this {$110.00} supposed debt. I would have gladly paid it immediately had someone contacted me.

Company response to consumer: Closed with non-monetary relief