vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
On XX/XX/22 I submitted a application to request assistance from Planet Home Lending due to my FHA loan being in default because of COVID-19 and loss of employment. I was told by XXXX XXXX in the Mitigation Dept that I was not eligible to receive assistance because documentation was not received and that I have insufficient income to reinstate my loan account. I have a FHA loan that specifically states the following : Recovery Home Retention Options and ( 1 ) COVID-19 Recovery Standalone Partial Claim ( a ) Eligibility states, The Mortgagee [ your mortgage company ] must ensure that : the Borrower indicates they have the ability to resume making on-time Mortgage Payments ; and the Property is owner-occupied.

No documentation is required. See the attachment FHA Center. According to FHA, To receive a COVID-19 Recovery Loss Mitigation Option ( COVID-19 Recovery Option ), the Borrower does not need to provide the Mortgagee with documentation to prove that they can or can not resume their Mortgage payment or that they can or can not make the modified Mortgage payment, aside from affirming that they can or can not make those monthly payments. 
My Documents was uploaded to their online portal on XX/XX/22. They then advise me my application was denied bc of failure to submit documents. 
My mortgage company refused to grant a Standalone Partial Claim on my behalf to stop the foreclosure sale of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I did try to open a checking account with Bank of America, I tried online and I was able do it it, after 2 dias the account was closed, I call the customer service and they told me to go to the bank, I went to the bank and was told that I needed to open a new account because the account I had opened online was already closed and jurying couldnt be done. I did open a new account with XXXX XXXX ( so lovely ), then after 2 days this new account that I opened in inside the bank also was closed. 
I tried to call more then 10 times and nobody was able to explain me why the accounts was been closed and my money got frozen. 
Nobody was able to explain anything about it. 
I did show all my IDs and prove or name change when I went to the bank and open the account with XXXX XXXX, that proves that is. O way to be fraude on that. Im Still Waiting to have my account reopened and my money back. 
I had my money frozen in the 2 accounts that I tried to open, Bank of America ask for a {$100.00} deposit to open it. 
I really appreciate if someone can help me With that since the customer service wasnt able to.

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 2022-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
XXXX I called in and ordered the company to stop calling me. They have since called twice and are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XXXX of XXXX I attempted to buy my husband a XXXX via XXXX for his birthday. I tried twice to make purchases via XXXX, but I was refunded via XXXX and XXXX as the listings were scams. However, in the process of one transaction, I unfortunately fell for sending money to an individual via XXXX XXXX to secure the item. I believe during this process this person somehow got my information, or infected my phone and this started the chain of events that lead to them fraudulently using my Wells-Fargo credit card and sending money from my Wells-Fargo checking account. 

I had believed my Wells Fargo accounts were actually closed on XX/XX/XXXX, up until XX/XX/XXXX when I checked my credit score and noticed a bad mark posted to my report from Wells Fargo. It turns out from XX/XX/XXXX individuals took cash advances and made fraudulent payments to my credit account. They also transferred monies to my checking account and used cash apps to take money out of the checking. 

I have tried to resolve this issue with Wells Fargo repeatedly to no avail. I have sent multiple letters and called multiple times. It is very frustrating that no one person can be contacted over the phone to sort out the details of the case. The purchases, deposits, and activity on the card throughout this period match no prior activity or behavior patterns since the inception of the account. I maintained an 800+ credit score prior to this incident and have routinely contributed to my savings and retirement accounts. My behavior doesnt match someone who made these charges, or even knew of them. Wells Fargo has denied my claim for two reasons from what I can tell. The first is that Ive made payments on the card, which I have not, and that the transaction came from an authorized user, or gateway. I am the only authorized user of my account and I did not make these purchases. 

I sent a letter disputing this again XX/XX/XXXX to Wells Fargo. I have not heard back from them, so on XX/XX/XXXX I filed a police report with the XXXX Economic Crimes Unit and I am filing a complaint with the Consumer FInancial Protection Bureau. I hope these actions can help cause this issue to come to a proper closure.

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 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
My phone was hacked and XXXX was transferred to a pay anyone option. Chime is the bank. I never authorized or give permission. Didnt request pr receive anything nor service. Funds transferred to a bogus email and chime Locke my account and refused to return my koneybafter untold them my phone was hacked and I didnt authorize XXXX for any reason. Chime states that the ip address used to transfer the funds is my phone and I told them again my phone was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been hacked and scammed over XXXX times and it continues to happen while my XXXX XXXX sits at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX and I can do nothing I have reported to Police, XXXX, OIG, AIG, CFPB, XXXX, XXXX and elected officials and the credit agencies and Pay pal before this charge even went through because I told them cause it was already charged on my account They did nothing at paypal to stop it and the other company said they were not going to remove it because I reported to paypal and they would get away with it and show proof on there end that they could get away with this, Please HELP, ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
On XX/XX/XXXX I received an email to confirm my email for a Bank of America account. I did not touch the email and then received many more about the account being opened. The number listed in the email is also different from that listed on their website. So at this time I feel uncomfortable taking further action in any way due to their website and these emails all having different 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 non-monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CO

Complaint narrative:
My daughter, XXXX XXXX XXXX, was allowed to open a Cashapp account without an adult sponsor. 
Cashapp then made XXXX withdrawals from her bank account. When contacted about this, cashapp told me that they are not controlled by the FDIC and they refused to help me due to the fact that I don't have an account with them. Cashapp will not allow the minor to withdraw these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I got letter in the mail from Target that credit card was declined and needed my driver 's license, social security card and a copy of utility bill. I called Target told them I never applied for card. The lady told me the email that was used it was not correct, also driver 's license number was incorrect also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: TX

Complaint narrative:
my insurance company paid for my rental while my car was being worked on. I provided my credit card for incidentals only, as described and agreed with XXXX. The insurance company issued full payment of $ XXXX to XXXX and the car was returned without damage and adequate fuel. Weeks later, XXXX charged me thte full rental amount. I confirmed XXXX had already funded this rental, and XXXX cashed their check. XXXX refused to provide a refund, and Discover has declined my dispute request, even with adequate documentation from XXXX showing they already issued payment to XXXX. I feel unheard, and thrown about in this situation, with Discover not honoring their -zero-liability claim. I did not authorize this transaction from XXXX, and Discover is asking to " prove '' I did not, which is impossible. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX. XXXX XXXX {$220.00} acct # XXXX XXXX. XXXX XXXX {$820.00} acct # XXXX XXXX. XXXX XXXX XXXX {$8100.00} acct # XXXX XXXX. XXXX XXXX XXXX {$18000.00} acct # XXXX XXXX. XXXX XXXX {$1000.00} acct # XXXX XXXX. XXXX XXXX {$140.00} acct # XXXX XXXX. XXXX XXXXry {$1300.00} acct # XXXX XXXX XXXX XXXX {$110.00} acct # XXXX XXXX. XXXX. XXXX {$250.00} acct # XXXX XXXX. XXXX XXXX XXXX {$950.00} acct # XXXX XXXX. XXXX XXXX XXXX {$570.00} acct # XXXX

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 2022-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX credit card was opened in XXXX 2022 it had a credit limit of {$2000.00} and I did not open a credit card with this company. I now have a balance on my report in the amount of {$1100.00} of which is fraudulent. I have reached out to a lawyers office for counsel in this matter. I am hoping that I will be able to handle this matter myself without retaining counsel and this fraudulent information removed from all three credit bureaus. This is impacting my credit badly. I have filed a report with the FTC online about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: IA

Complaint narrative:
FCRA 605B ( 15 U.S.C. 1681c-2 ) states, A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This consumer reporting agency has not complied with the federal law, and therefore are in violation of the federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following Accounts, have 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 an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I've been a victim of identity theft and never applied for any of these accounts : American Express XXXX XX/XX/2018 I have a letter from American Express stating the account was opened fraudulently I also a police report and a FTC REPORT. 

Please remove the American Express account from my XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: OR

Complaint narrative:
I had mortgage payments deferred from XX/XX/XXXX onward. In XX/XX/XXXX I tried to make a payment to Fay Servicing but they refused my XXXX payment insisting that all deferred payments were dueXXXX XXXX rules for deferments required deferred payments to be moved to the end of the loan if agreement could not be reached by the servicer and the borrower. I did not agree with Fay. In XXXX of XXXX I was diagnosed with a XXXX XXXX XXXX and was contending with XXXX from the XXXX. I received notification from the XXXX XXXX XXXX XXXX that I had missed their deadline to respond. They had tried to reach me by phone but Fay had provided them with an incorrect phone number. I then started working with XXXX a non-profit mortgage counselor, to apply for the Homeowner Assistance Fund program ( HAF ) to repay back mortgage payments. At the end of XXXX I had XXXX to remove the XXXX XXXX and was XXXX  for a week. During XX/XX/XXXX I was heavily medicated following XXXX. In XX/XX/XXXX I continued with my application to HAF. Fay had set a foreclosure sale date of XX/XX/XXXX for my home. I contacted Fay on XX/XX/XXXX and also on the XXXX informing Fay that I was working with HAF. HAF contacted Fay on XX/XX/XXXX asking them to postpone the sale but Fay refused. Fay later claimed they had no third party authorization for HAF but I had provided that to XXXX  on XX/XX/XXXX, and HAF received it on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
As a trustees for my sisters irrevocable trust, my brother and I authorized a transfer of funds from her XXXX XXXX account to her personal Wells Fargo account in the amount of {$35000.00}. The funds never arrived, and were apparently sent to an incorrect account number. Wells Fargo has not provided any answers, nor has it refunded the money. Our account advisors at XXXX XXXX have been actively seeking answers, but to no avail. 
We believe that Wells Fargo is fully aware of where the funds ended up, but have made no effort to retrieve them. 
The funds transfer occurred on Thursday XX/XX/2022 and it has now been almost 2 1/2 months that the funds have been held by Wells Fargo. 

It is worth noting that the funds were allocated to replace a car that had died unexpectedly. When the funds did not arrive, my sister was forced to pay an additional {$600.00} in car rental fees.

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 2022-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc.
State: TN

Complaint narrative:
American First Finance XX/XX/2022 XXXX : {$1900.00} I looked at my credit report and noticed companies that I did not do business with or authorize any debt under my name. I also did not authorize any transmittal of my information to these companies. I do not know these companies these are fraudulent accounts. 


Sincerely, To Whom It May Concern

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
It has now been over 30 days since I sent my dispute letters regarding the late payments, I recently discovered on my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX account # XXXX : XXXX ( 30 days late XX/XX/XXXX, XXXX and XX/XX/XXXX ) XXXX ( 30 days late XXXX and XX/XX/XXXX ). 


These three major bureaus are in direct violation of my rights and I am seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX usc XXXX. 
Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX acct # XXXX XXXXXXXX XXXX  ( acct # XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On a payment plan they set up. I got email confirmation and they are charging me late fees. Will not resolve and ive spent over 5 hours on the phone. The min is {$120.00}. Ive been paying {$150.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12 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: DE

Complaint narrative:
It has now been over 30 days since I sent my dispute letters regarding the late payments, I recently discovered on my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX account # XXXX : XXXX ( 30 days late XX/XX/XXXX, XXXX and XX/XX/XXXX ) XXXX ( 30 days late XXXX and XX/XX/XXXX ). 


These three major bureaus are in direct violation of my rights and I am seeking legal action.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
It has now been over 30 days since I sent my dispute letters regarding the late payments, I recently discovered on my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX account # XXXX : XXXX ( 30 days late XX/XX/XXXX, XXXX and XX/XX/XXXX ) XXXX ( 30 days late XXXX and XX/XX/XXXX ). 


These three major bureaus are in direct violation of my rights and I am seeking legal action.

Company response to consumer: Closed with explanation