vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is a continuation of the prior complaint # XXXX XXXX regarding loan number XXXX. Over the last 6 months XXXX XXXX, my point of contact at Shellpoint Mortgage Servicing Company, and I had been working on a plan to come out of forebearance, through a loan modification and moving some of the payments if not all, to the back of the existing loan. During this period, I had offered to pay the monthly payment of {$5800.00} which includes principal of {$1100.00}, interest of {$2200.00}, escrow of taxes and insurance of {$2400.00}. XXXX told me repeatedly not to make the monthly payment until Shellpoint had corrected the total balance outstanding minus the escrow amounts I had already paid. During this time XXXX had submitted my request to have 6 months of the the monthly payments placed at the backend of the original loan. We spoke at least twice per month and he insisted not to permit me to make monthly payments to reduce the outstanding balance. I was looking at other options including a reverse mortgage. I was informed from the reverse mortgage companies that my credit score had dropped to XXXX from well over 700 due to Shellpoint submitting a delinquence notice to the credit companies. Then I received a call from XXXX XXXX, who indicated that she was my new point of contact at Shellpoint and that the outstanding balance had increased to {$70000.00} and they needed payment to prevent Shellpoint proceeding further with foreclosure of my property. Needless to say I am in shock. No one had indicated that foreclosure would occur during the period I was in good faith trying to work a plan to come out of forebearance and continue my monthly payments. It was my understanding that Shellpoint would not report me as late to the credit bureaus as long as I was trying to work out a plan with Shellpoint to resolve the forebearance resulting from Covid 19. XXXX from Shellpoint continued to indicate that my loan modification had been denied without explanation. I had received the paperwork for a loan modification from Shellpoint the week of XX/XX/XXXX, completed and returned the paperwork requested by Shellpoint on XX/XX/2022. My continuing issues with Shellpoint are 1 ) not giving me proper credit for the taxes and insurance I paid, 2 ) denying my loan modification during the phone conversation with XXXX Shellpoints customer service representative, 3 ) improperly reporting me as late on my payments when I was working on a solution with XXXX XXXX, 4 ) charging me late fees and attorney fees during the resolution workout period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian have my XXXX XXXX credit card opened on XX/XX/22 as currently in dispute and which is incorrect I need my account to be taken out of dispute status because it is not in dispute with the lender or any credit bureau so incorrect furnishing of credit account I need them to take my account out of dispute status and update payment history and account data.

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 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Friday XX/XX/2022 I logged into my chase mobile banking app and found three occasions of fraudulent activity. The first two transactions were made on XXXX XX/XX/2022 at XXXX and the third unauthorized transaction was placed on XXXX XX/XX/2022 at XXXX. The first transaction was for {$1000.00}, the second transaction placed at the same time was also for {$1000.00}, and the third transaction was placed was for {$1500.00}. Each transaction was made through a banking feature called XXXX. I called Chase and was transferred to a dept that handles XXXX fraud charges and was asked a series of questions. Afterwards the rep agreed the activity appeared fraudulent. I was then transferred to a different dept to change my login info. 

On Monday XX/XX/2022, three reversal payments were deposited back into my checking account ; one deposit for {$1000.00}, a second for {$1000.00}, and a third deposit for {$1500.00}. This morning XXXX  XX/XX/2022 I received a notification that my account was overdrawn by {$3400.00}. I drove to the Chase bank near me to resolve the issue. I spoke with an employee who called customer service and it was explained to him that the case was closed due to an IP address that was linked to my phone and the alleged use of facial recognition warranted a reversal of fraud coverage. The case was determined to not be fraudulent by Chase. I was told to go to an XXXX store or the XXXX squad at a XXXX XXXX to determine if my phone was hacked. After speaking with a geek squad employee, he informed me that they will not be able to determine if the phone was hacked. 

It is my understanding that Chase ( A ) did not protect me from 3 fraudulent activities, ( B ) failed to notify me of the three large consecutive fraudulent transactions, ( C ) have withdrawn needed funds without notice, ( D ) attempted to charge me overdraft fees, ( E ) asserted that facial recognition is a legal means to positively identify an individual, ( F ) have failed to adhere to regulation E which is designed to protect consumers from such events. 

Chase is now demanding I repay them {$3400.00}. I have already lost {$3500.00}, and for a financial institution to penalize a victim of fraud another large amount, this could result in a sum total loss of close to {$7000.00}. As a part time worker and part time student, funds are extremely limited and I can not afford to be taken advantage of by scammers and banks. 

I was not provided with a claim number or anything in writing or email to show an investigation was performed. Attached are screen shots of the original fraudulent transactions ( pics 1 and 2 ), the deposits ( pic 3 ), and the withdrawn funds by Chase ( pic 4 ). Please get in contact with me as soon as possible. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Paid account in full request a replacement credit card. They stated they closed the account later had to pay XXXX and reapply for credit again. Navy Federal credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I contacted Equifax about some inaccurate accounts on my credit report. they verified these accounts through automatic verification which I did not consent to. XXXX found these same accounts not mine and removed them but Equifax has yet to do so. They have violated my rights and these accounts should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
Due to the pandemic fromMarch of 2020, Navient has been taking my monthly payment for my student loan and it has come to my attention that all payments were to be on hold. No one will answer my questions and being passed around from one person to another

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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:
I submitted a dispute in regards to an account I believe was opened fraudulently on XXXX XXXX through the online dispute center trans union offers they still have not got back to me and it says dispute under investigation still I want this item removed they are not abiding by there own policy not only thats the law its been past 30days

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 2022-09-14 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a former employee of XXXX XXXX, out of XXXX XXXX XXXX, Fl. Right before I was laid off from XXXX XXXX, they merged with XXXX XXXX. I called XXXX 's today to request my exact start and end dates of employment that I need for a home loan. They referred me to Equifax ( XXXX ). After a drawn out process of the phone menu, leading me to wrong departments, I finally was able to speak to a representative. She verified some information, and asked me why I was requesting this information and I told her it was for a mortgage application. She then proceeded to tell me that she can not give it to me and that the mortgage company that needs the information, would have to contact XXXX. This is preposterous!!! I can not get my own information, but a third party most certainly can ( for a fee, I'm guessing )!?? I was able to pull up my own prior work history but lo and behold, this very one that I need, is NOT on it. All other employers were able to give me the information I asked for, after verifying it was me, over the phone and this is a bogus bad practice effort, either by XXXX 's, Equifax or BOTH. The mortgage company is not going to PAY for information, that I should be able to receive, that is my OWN PERSONAL information. If I sent this loan application through without this information, the mortgage company will STILL need the exact dates and will hinder the quick process of the application. This should not be allowed and I don't know how they are getting by with it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Source Receivables XXXX XXXX XXXX  ) Account # XXXX and XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Source Receivables XXXX XXXX XXXX  ) Account # XXXX and XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-14 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/22, I went to XXXX XXXX in XXXX GA to purchase several items. When checking out, the clerk offered the opportunity to apply for a Lowe 's credit card in order to save {$100.00}. I accepted and she completed the application for me. Then she said there was a hold on the application and she called Synchrony Bank to see why. They got info from her and then asked to speak to me. I was told, " in order to prevent identity theft, I needed to go to XXXXXXXX XXXX ( don't remember the x 's ) and answer some questions. I explained that I was standing in a check out lane at XXXX XXXX, She said I could do this on my phone, I went to the website and the instructions were to record 15 second video of myself, take a pic front and back of my license and view a tutorial on all this. I said, again, I'm standing in a check out line I can't do all this here ( not sure how to video myself and upload all this stuff. ) I told her to just withdraw the application. Now I have a hard inquiry on my credit and no card, so it appears I was declined. If they were going to require all that, it should have been asked for, BEFORE they pulled my credit! I would have declined to apply. I'd like the inquiry removed please.

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 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal closed my business account ( XXXX XXXX XXXX ) on XXXX XXXX. The message I got from them is that I violated their User Agreement and they are holding the money in my account for 180 days. My business transaction was legitimate. My investor sent $ XXXX through paypal for 1 % ownership in our feature films. Little did I know Paypal took {$150.00} of it and now the balance is {$4800.00}. I agreed to send him a refund so he can do a cashiers check for $ XXXX. That's when Paypal put an accounts limitations on it and requested docs which I sent. After docs sent I got that dreadful message not allowed to do business with Paypal.. I've been trying to get a hold of someone for an explanation, but this " relevant '' team they forwarded my problems to never got back to me. All I want to do is get access the money in my account and refund my investor, bur they put this ridiculous hold on my account without even telling me the reason. They have been trying to refund the $ XXXX through my business checking account twice and I got a {$29.00} NSF fee each time because of it. I can't understand why they would try to get the $ XXXX from my account when the money is the the Paypal account. These guys are shady. I simply want to get access to my money and give the refund to my investor. I don't want them trying to get it out of my checking account like they did twice before. My investor has been waiting 12 days now for a refund and shouldn't have to wait anymore. Paypal shouldn't be trying to get the money out of my business checking account either when the money is in the Paypal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/2022, I was forced to send {$600.00} on cash app to cash app name $ XXXX ( XXXX ). I was held against my will and had to reach out to get the money from others on cash app. The police were called and he was arrested. Additionally, he stole my car keys. 

My cash app name is $ XXXX ( XXXX XXXX XXXX XXXX my name that is listed there. 

I have the police report number which I've offered to provide to cash app. They have been unwilling to assist ; however, I do not believe he should keep my money after it was forcefully taken during the act of a crime.

Company response to consumer: Closed with explanation