vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: OK

Complaint narrative:
Simmons Bank is not willing to work with me on my matured real estate loan. I have asked if they can pause or extend the matured loan for 180 days like what the CAREs Act provides, but they have refused to do the extension. Here is the banks reponse for my request : On XXXX XXXX, 2020, at XXXX XXXX, XXXX XXXX XXXX wrote : XXXX , From my understanding of all of the lending managers that I was able to speak with today We are not allowed to do a 3 mth extension. Refinance is the only option. I am still waiting for a call back from the manager that oversees the portfolio lending, meaning a refinance that stays within our bank. I am trying to find out what the rate would be and what fees are involved. I sent to you last month what a secondary loan would look like as far as fees and the rate and that should be the same now. So, as far as our bank it appears there will 2 options we have to offer. Secondary or port refi. As I stated, I will find out what the fees and rate are on the port loan. 
When I have more information I will share it with you. I would like to help you if I can. 
Thank you XXXX This is what I asked for : I am requesting a 3 month change in terms/ extension due to the following reasons : corona virus/Oklahoma having several cases recently, I am not comfortable getting out in public at this time, XXXX/simmons not informing me that the loan was maturing till after the loan matured ( after I made several attempts to multiple employees to figure out what was wrong with the loan ), and finally I have never been late on any payment to XXXX or simmons bank. 

Let me know as soon as possible whether or not you can make file the 3 month extension. 

Please reach out and help me fix this with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenderfi, Inc.
State: TX

Complaint narrative:
I applied for a loan on Friday XXXX/XXXX/2020. I've sent number messages to my loan officer on getting a loan estimate. Loan officer does not respond. I sent an email to the lender on XX/XX/XXXX and they never responded/called me. I provided all the required information and lender pulled my credit report. Lender is supposed to provide a loan estimate within 3 business days. It is now more than 3 business days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-07-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
wellsforgo close my account with out me knowing

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 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I filed a claim with the Bank of America ( BoA ) Fraud Department about two fraudulent checking account transactions in the amounts of {$10000.00} and {$6000.00}. Both transactions were online bill payments to XXXX credit card accounts. I did not make this transaction. BoA said that it was initiated from a bill pay on my account. I have never used bill pay. 

BoA initially denied my claim on XX/XX/XXXX. I went into the local BoA branch on XX/XX/XXXX to get more information about my case.The banker called the BoA Fraud Department on my behalf. The banker explained that in order to appeal the claim denial, I needed to fax my XXXX Credit Card account statement showing that the BoA bill payments were not made to on my XXXX Credit Card account. 

I pulled my credit reports on XX/XX/XXXX and found there were two XXXX credit cards fraudulently opened in my name in XX/XX/XXXX. Those same accounts were closed in XX/XX/XXXX. I immediately disputed them with the credit bureaus, and froze my credit report on XXXX XXXX, XXXX 

Right now, I am awaiting a response from the credit bureau on my disputes, an update on the investigation from the police department, and reconsideration of my BoA claim. 

Please also note that it has been really hard to get consistent accurate help from BoA regarding my claim and I do not trust BoA 's handling of my claim. There has been attempts to change my email address on my BoA online account, in which I let the local branch know and they did not do anything about it. I have received fraudulent voice messages regarding my claim status. It's really hard to know who to trust in this situation.

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 monetary relief
Consumer complaint received 2020-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; Trans Union, XXXX, XXXX via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from XXXX. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.

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 2020-07-02 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; XXXX XXXX, Experian, XXXX via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from XXXX. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.

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 2020-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, I contacted a loan officer at my bank and attempted to take a small personal loan to pay bills until my unemployment went through. I was denied on XX/XX/XXXX, and told that as a new collection account had recently been opened, I was deemed to great a credit risk. Within a few days, my auto insurance renewal premium also went up. After checking all 3 major credit bureaus, I became aware of an account listed as " Opened XX/XX/XXXX, by Ability Recovery Services , LLC. '' This account is actually from XXXX. The fact that Ability is not even the first 3rd party agency to own the account, shows that they intentionally misrepresented the age in an attempt to " revive '' the account. This is a violation of WIS 427.104 ( 1 ) ( c ), and therefore by being illegally represented, a violation of FDCPA and FCRP.

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 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My account was closed by Paypal on XXXX XXXX, 2020 with a balance of {$13000.00}. Paypal has stated that they will hold my funds for 180 days before releasing them to me. I understand that this is a standard policy for merchants who have received these funds as a payment for goods, as Paypal needs to allow the chargeback period to expire before releasing the funds to me. The money in my account, however, was not received as payment for goods. It was received as a peer to peer transfer, which is irreversible, and impossible to have a chargeback filed against. As such, Paypal would need to release my money immediately, as it is not theirs to hold by law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/2020 a mortgage payment in the amount of {$760.00} : for mortgage payment {$700.00} plus {$59.00} for principal, was made to ShellPoint mortgage company. 
On XX/XX/2020 ShellPoint Mortgage servicing company withdrew Insurance premium disbursements {$490.00} from my escrow account. I have never had insurance premium disbursement withdrawn. I have homeowners insurance and the condominium complex has their own insurance for the condominium property. 
On XX/XX/2020, the ShellPoint mortgage company has the escrow balance showing to be {$1200.00} after the {$490.00} was withdrawn for the insurance premium disbursement. 
This is incorrect as my escrow balance should actually be {$1700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a credit line with PayPal credit ( thru Synchronic Bank ), they gave me six months for special purchase ( over {$99.00} ), but if I returned any of those purchases, they gave me credit but did not remove or update the original purchase. I noticed this problem a few  months ago and every month I need to call them to correct the transaction. Now I have more than four transactions and they don't give me the credit.

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 2020-07-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX account still showing under negative accounts This account was paid in full and closed and to be removed per the company Experian has been notified of this and still is reporting the account incorrectly The other two credit agencies have deleted the account but Experian has not and will not I have reached out numerous times and sent the sent of removal as well

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 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
Starting in XXXX FlagStar Mortgage added a {$30.00} Fax/Email fee to my mortgage with no explanation. They should not be able to add fees for no reason as I have always paid my mortgage in full on time and provided no explanation for the 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 2020-07-02 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: Sensible Auto Lending, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2020 consumerfinance.gov Consumer Finance Re : Payoff Company PHH Mortgage Loan : XXXXXXXX To whom it may concern : I sent a check in the amount of {$4700.00} to PPH Mortgage and they put my money into a suspend account on XX/XX/2020. They did not credit my account. Today, XX/XX/2020 I call XXXX the manager at PHH Mortgage, he said I could not pay off my account without a payoff quote. He ordered me one and it could take one to two I believe this is unfair, Im still paying interest on my loan on my current principle balance of {$4600.00} and they are getting interest on my money. 

Please help me get my loan payoff. My ID for the last complaint against this company is XXXX. The corporate office for PHH is XXXX XXXX XXXX, NJ. 

If you have any questions, please call me at XXXX. 

Thank you for your help in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NV

Complaint narrative:
Dear to whom it may concern, Defendant EQUIFAX, XXXX and XXXX XXXX is a foreign company that furnishes consumer credit information to consumer reporting agencies. 15 U.S.C. 1681s-2.XXXX  and XXXX XXXX failed to maintain and failed to follow reasonable procedures to assure maximum possible accuracy of Plaintiffs credit report, concerning the accounts in question, violating 15 U.S.C. 1681e ( b ). 
My name is " XXXX XXXX ". % % **. The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to XXXX, Equifax, and XXXX and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not ' help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address. 
**Address** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My address now is XXXX XXXX XXXX XXXX XXXX, the other addresses are either old or incorrect so please delete them. 
**Credit cards** XXXX XXXX Reported :XX/XX/XXXX Where is the original contract, application or other proof which clearly shows my consent and signature? What is the name of the person you received this information from? What was your method of verification? Using an electronic response is not an acceptable proof and must be verified in itself. This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard inquiries** XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Telephone Companies Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The account should have been in COVID forbearance and not negatively reported for the months of XXXX, XXXX and XXXX, however they reported the account late and also I recently have made a payment and have paid off the account and they are not showing my on time payment in the credit report. I need them to fix my credit information as it is negatively affecting my credit rating,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02 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: VA

Complaint narrative:
In XXXX County  North Carolina, I was ordered for XXXX XXXX, it was not accurate and the forementioned XXXX XXXX services show a order for XXXX dollars a month, with a past due balance XXXX that has accrued. And it is still showing up on my credit report every month, even though it is easily verified that what Ive repeatedly informed experian of is accurate. I just needed to call the XXXX XXXX services, and put in my information, and it will tell whoever calls that I do not owe anything.

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