vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: RI

Complaint narrative:
On XX/XX/XXXX I made an online payment through to PayPal for my PayPal Credit account which is owned or managed by Synchrony Bank. The one time payment was made once ( 1 ), however I received two ( 2 ) charges for the withdrawal in my bank account in the amount of {$160.00} each. When I received notification from my bank that I got 2 charges I reached out by calling the number to contact for PayPal customer service XXXX XXXX. I spoke with a representative by the name of XXXX or XXXX he stated that they couldn't reverse or send the money back the same way it was paid and that the only means is by sending a check via mail which can take 7-15 days. I asked if there was anyway to expedite that being that the payment was made online, to which he stated he can only inquire to see if it was possible. I then asked to speak to a supervisor to which after waiting for a several minutes I spoke with XXXX rep ID # XXXX to which she confirmed the same thing as the first rep and stated this was the only option available for Synchrony Bank. I informed them I would be making s formal complaint about this practice.

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 2022-03-08 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: Nelnet, Inc.
State: CA

Complaint narrative:
Account should show paid/ never late and closed. Instead nelnet continues to fabricate their quest to update the information however they have not does so for six accounts. CFPB consumer financial protection bureau has contacted this company requesting an immediate update, to no avail. Nelnet writes a letter stating they will make corrections but has never done so and has refused to update the credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I own a home in NJ. Claim # XXXX ( XXXX XXXX XXXX, XXXX NJ ). My house sustained a house fire on XX/XX/2021. My insurance proceeds were sent to Fay Servicing to hold in escrow. Fay released 1 initial payment for {$26000.00}. After the funds were used and the initial demo was complete, I requested an inspection. A 3rd party inspector came to the house to take pictures and conduct a walk through. 2-3 Days later, I verified via XXXX  that my inspection failed. I contacted Fay to verify why I failed. I Could not get an answer from the representative I spoke to. No explanation as to why I failed or what additional repairs need to be done in order to pass the inspection and recieve additional funds. A few weeks pass no money, no explanation letter etc. I invested XXXX of my own money to pay for the installation of new windows, doors, wood work on the exterior of the house, permitting and engineering plans. I then contacted Fay again to have another inspection once that work was complete. The inspector came out to take photos and completed a walk through. 2-3 days later, I verified via XXXX that I failed the inspection for the 2nd time after investing my own money into the property. I again contacted Fay Servicing to verify why I failed the inspection. I was informed that there were required documents that were not submitted online. I then informed the representative that those documents were submitted in XXXX. The representative located the documents and also informed that my account will be escalated to the main office requesting additional funds which will take 5 days to complete. I have been calling every day since my account was escalated, no answer, still pending. We are on day 8 now with no answer as to why I have not received additional funds. Fay claims they have tried to call me but my phone is busy. Cell phones are never busy, they route to voicemail when on the phone. I have my phone in my pocket at all times, I never miss calls. NOT 1 TIME HAVE I RECEIVED a call from them. They are having an issue with their outbound calling. I was previously informed by one of the call center representatives that 50 percent of repairs need to be done in order pass the inspection. I am not sure how 50 percent of repairs can be done with {$26000.00}. Meanwhile, I contacted Fay Servicing approx 30 times with no explanation as to why funds arent being released. In addition, I've requested to speak to a supervisor 3x but yet to receive a returned call from them. Every month I am making a {$2300.00} mortgage payment for a house that is sitting vacant for 1 year now and Fay Servicing is witholding my repair funds. I have been asking for additional funds since XXXX. It is now XXXX, no answer, no funds, no nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-08 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: NY

Complaint narrative:
EXPERIAN RECEIVED DOCUMENTS STATING THAT THEY DID NOT DO THEIR DUE DILIGENCE AND ALLOWED FOR THIS COLLECTION TO LINGER ON MY REPORT. I ENDED UP GETTING IT DELETED AND EXPERIAN UPDATED AND DELETED IT I WANT TO GET COMPENSATED BECAUSE MY CONSUMER RIGHTS WAS VIOLATED UNDER THE FCRA. I AM ENCLOSING THE INFORMATION THAT I UPLOADED BEFORE THAT NOTHING WAS DONE THEY CLAIM THAT THEY DONT SEE IT ON FILE BECAUSE IT WAS DELETED. DELETION IS ADMISSION. EXPERIAN DIDNT DO THEIR INITIAL INVESTIGATIONS. I GOT IN TOUCH WITH THE XXXX OFFICE OF CONSUMER FRAUDS AND PROTECTION. I WILL GO FURTHER IF I HAVE TO. ACCORDING TO 15 UCS 1681N. I AM ENTITLE TO COMPENSATE. I HAVE PAPER TRAIL IF THEY WANT TO TAKE THIS THING FURTHER I HAVE TIME AND PATIENCE.

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 2022-03-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 28 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has denied this and I need your help PLEASE! 

Wells Fargo Bank XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX On XX/XX/21, I was contacted via my computer with a SCAM. I immediately replied to XXXX that I did NOT even know what XXXX was, nor did I know who this person was. Within minutes, I received another email that {$3400.00} had been taken from my XXXX account. 

We immediately went down to our local branch in XXXX XXXX XXXX branch and spoke to XXXX. She closed our account and initiated a request for a new account. While on hold with the Fraud Department, her phone was cut off at noon ( since bank closed for XXXX XXXX at noon? ). 

We went home and I immediately contacted the Fraud Department myself. I advised them that the transaction for {$3400.00} was a SCAM I have NO IDEA who the person was who was initiating a XXXX transaction for this amount. I also had NO IDEA what XXXX even was until the Bank representative told me. Apparently this is something that someone has to initiate with their account # or something and we did not do this. 

There was another XXXX request the next day simply stating that someone wanted initiate something but no amount ever went through on this. It was a different person 's name but both were XXXX requests. They may even be 'working together ' on this SCAM.

Whoever this is needs to be reported. We have requested that NO XXXX TRANSACTIONS be processed on our account and the local branch has assured me that this is done now. 

Please reinstate this {$3400.00} credit to the account. It is a totally false transaction and it is not fair that I have to have this case closed because XXXX states they can do nothing further. Another bank would have investigated this further and found out exactly who these individuals are.

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 2022-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: CO

Complaint narrative:
For the second month in a row, I have had misapplied payments intended to be applied to mortgage principal only as regular mortgage payments. The payments are made within 1 week of the normal mortgage payment in amounts greater than the normal monthly payment. The checks issued by my bank have the words " PRINCIPAL ONLY '' in the memo field. When calling the mortgage company to correct the situation, I have also requested that a supervisor call me back, to further discuss my displeasure with the company and I do not receive a call back as promised. The adjusting transactions that are supposed to be dated back to the original date received from last month were not back dated which will result in additional interest being charged to my account. I find this totally inappropriate and should be illegal. This is my second complaint filed just one month from the previous complaint. This company needs to be investigated by the CFPB to insure that other customers are not also being handled improperly. This looks like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I purchased a XXXX range  in early XX/XX/XXXX using a just openned Lowes/Synchrony credit card. A couple of months went by and as I checked Lowes to regarding the purchase, I discovered that the range I had ordered was not available, thus I cancelled the purchase order. 

In the meantime, I had paid, in-full, the amount charged ( {$1100.00} ) to my Lowes/Synchrony credit card ; I sent a check in that amount dated XX/XX/XXXX. Following my cancelation of the order, I made numerous calls to the many numbers provided by XXXX and Synchrony regarding the refund of my {$1100.00}. 

In XXXX Loewes/Synchrony issued a check to me in the amount of {$950.00} for the appliance. However, when I made this purchase, I included and paid for a Lowe 's 5-year extended warranty. This amount was not broken out in the billing statement I received from Lowes/Synchrony, but appears in the receipt at a price of {$150.00}. I have not received the return of this un-used ( no appliance, no need to warrant ) 5-year extended warrant amount 0f {$150.00}. 

I would appreciate any assistance your can provide in the recovery of the {$150.00}. 

P.S. after having some CFPB problems yesterday ( XX/XX/XXXX ), I called again today to try again for some help. I got your wonderful customer service rep called XXXX ( after XXXXXXXX XXXX former prime minister XXXX XXXX ). The review logged off before I could give him a 5-star review. He was so kind, patient and helpful ; bravo 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 monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I purchased a new home in XXXX of XXXX. We put down 10 % and were required to have mortgage insurance. Immediately after purchasing our home, we completed major renovations - over {$100000.00}. When our renovations were complete in XXXX of XXXX we requested our mortgage insurance be removed. We contacted our servicer, Dovenmuehle to start the process to remove our mortgage insurance. They informed us that we needed to pay for a Brokers Price Opinion and we sent in a check for {$100.00} and the BPO was completed on XX/XX/XXXX and determined our value at {$670000.00}, well over the value needed to remove our mortgage insurance. On XX/XX/XXXX we received our first notification that we needed to pay down the principal balance to remove mortgage insurance, regardless of the new appraised value. It also stated that if we wanted to order a BPO because of renovations we could start that process -???. Over the past 9 months I have had several calls and emails with XXXX, our Servicer and our mortgage company XXXX. XXXX will tell us to contact the servicer and the servicer will tell us to contact the mortgage company. Both telling us it's out of their hands. Now they are saying that it looks like the value is good to remove my mortgage insurance, however, since I ordered my own BPO independently they can not use it. I recently had to email a copy of the cancelled check that was sent directly to XXXX to show the BPO was NOT ordered independently, but as directed by XXXX as part of their process. I am very disappointed in the process and run around I have had throughout my quest to remove mortgage insurance. Both the servicer and mortgage company have pushed me off to the other side and then have given various reasons why they can not approve the removal. 

Purchase Price : {$570000.00} Down Payment : {$59000.00} = 90 % LTV New Appraised Value : {$670000.00} Updated Principal Balance : {$490000.00} = 74 % LTV On a side note, I have 27 years of mortgage experience, so I understand the guidelines and requirements for removing mortgage insurance. I have been VERY patient and my patience has now run out. Throughout this entire process XXXX has continued to send me the SAME paperwork repeatedly telling me that I can petition to remove my mortgage insurance by ordering a BPO if I send in a check. If I were a normal consumer without the experience I have, this would have added to my confusion immensely!! 

XXXX has told me I am able to remove my mortgage insurance and I am not sure what the delay is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: NJ

Complaint narrative:
I have been sent to XXXX XXXX  from a dental office that I have never been to nor had any services from. I never even been to that area. I also never received a bill from XXXX XXXX XXXX in XXXX NY. I have never been to that office nor received any services from them. When I asked for a copy of a bill and evidence that I received services, none was provided. I disputed the bill and the collections report on my credit statement with XXXX and XXXX nor Capital Accounts did not verify nor obtain any evidence that I received any services from XXXX XXXX XXXX. I also researched and saw that this company sent other individuals to collection for not receiving services. This is outright fraud and need to be reported as this dental office is selling names of individuals to collection agencies for fictitious collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 28 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: MI

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXX Balance {$73000.00} XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX {$16000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX Amount - CHAPTER XXXX BANKRUPTCY FILING XXXX Amount XXXX XXXX  Balance {$1500.00} Chapter XXXX Bankruptcy : Bankruptcy XXXX Amount Chapter XXXX Bankruptcy : Bankruptcy XXXX Amount

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 2022-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I sent a debt validation letter on XX/XX/2022 and this company has failed to validate my debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

company : Medical Revenue Services Medical data Systems, INC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX 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 explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My personal information was leaked in the XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TX

Complaint narrative:
I, XXXX XXXX am a victim of identity theft.

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 2022-03-08 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: TX

Complaint narrative:
I, XXXX XXXX am a victim of identity theft.

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