vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I am on XXXX XXXX orders covered by The California Military Families Financial Relief Act. I have mortgage with United Wholesale Mortgage. They are not complying with The California Military Families Financial Relief Act. I requested mortgage deferral and sent in my military orders in XX/XX/2022. It was approved. All communication is being done verbally as far as where the mortgage status is at. I can never get anything in writing. It has been several months since I have requested my mortage to be brought current and term extended, but I can not get that accomplished. The lender is asking me to pay {$23000.00} and keeps sending me to collections. They are ignoring the The California XXXX XXXX XXXX XXXX XXXX and keep me running in circles with long phone conversations about same thing as if noone is taking notes on anything. I'm at the point that I can not make payments anymore until I pay the past XXXX mortgage payments. It is unacceptable and is putting huge strain on me. I have made XXXX mortgage payment past 2 months and they have seemed to get frozen in the system and some applied to escrow. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NY

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau Staff, As a timely bill payer, I am destined to get to the bottom of my disagreement with American Express. I find it odd that American Express is the only company who gets late payments from me. I have been with the company since XXXX. I have had more late bills from them than all three of my other credit cards put together in the same time frame. I take my credit rating seriously, and will never intentionally cause a bad rating due to a lack of responsibility. 

It is my belief that customers who pay bills via US mail with American Express may be caught up in a web of late fees. When paying by mail, it is my word again AEs word. So what I did was pay by certified mail all bills to them after XXXX, XXXX. Not one payment was late. The bill arrived in four to five days, which is what was typical behavior. It just seemed suspicious that I get caught up with late fees at least once a year. The bill in question was sent off nine days in advance due to the XX/XX/XXXX holiday in XXXX. Supposedly the bill arrived in twelve days. Please view my attachments. You will see where the bill did not arrive by XXXX p.m. on XX/XX/XXXX, but did arrive before midnight on XX/XX/XXXX, but posted in an email on XX/XX/XXXX at XXXX a.m. I am in awe of the postal service delivering mail between XXXX and XXXX midnight on XX/XX/XXXX. 

CFPB, please consider the number of customers paying bills by US Postal Service versus the ones paying online. Is there a bias towards those customers paying by U.S. mail? Also, does my zip code have anything to do with my issue? 

I am attaching and numbering all the documentation. Some have anecdotal notes, and others do not. It has been a year now. I have tried to resolve this issue with AE several times. Everytime I attempted to drop it, my spirit would not allow me to do so. Self-avocation is very important. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: MOHELA
State: WV

Complaint narrative:
I am applying for XXXX XXXX XXXX XXXX with MOHELA. I sent in my income verification in Fall of XXXX. While some of my income has been verified and approved, much of it has not. Some of my income does not qualify and I understand this. However for the rest of my income that does qualify it is taking a VERY VERY long time for the information to process and be certified. I have called several times and every time I am told they are working on it, yet I do not see progress with my account. 
For instance - I have a period of qualifying income that dates from XXXX to XXXX. MOHELA has certified my income for this employer from XXXX only. I am missing 3 years of certified payments and income! 
I have sent them verification of my employment from XX/XX/XXXX to XX/XX/XXXX. Once again they have only certified part of this time period despite the fact that I worked for the same employer the entire time. 
Employment information I have sent more recently, covering from XX/XX/XXXX to XX/XX/XXXX has already been processed but the earlier information has not- despite it clearly showing as received and processed. 
PLEASE update my file so it accurately reflects my efforts at XXXX. I am doing my part MOHELA needs to do theirs!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concern, I'd like to make a complaint against Fifth Third Bank. Specifically about their " Fifth Third XXXX  Checking Account. '' I recently learned that they've been charging me a " Dormant Account Fee '' since XX/XX/XXXX of XXXX to present the month ( XX/XX/XXXX ). This dormant fee was never mentioned by the fifth third bank associate that offered it to me. The info was not in any of the account information pamphlets or paperwork that they provided which could be easily seen, identified or found. 

This momentum checking account was advertised at the time of signing and is still being advertised today ( verified on their website today XX/XX/XXXX ) as " free, no minimum balance checking account, no minimum deposit, no monthly maintenance fees, no hidden fees ''. 

While speaking to a Fifth Third Bank customer service representative today ( XX/XX/XXXX ) by the name of XXXX XXXX customer service phone number XXXX ) he mentioned that the fee would not occur if I had a balance in the low {$2000.00} 's ). I was then told by his supervisor ( title : customer service call center supervisor ) XXXX that the information he provided was incorrect. However, the dormant fee is charged when there's no account activity for more than 12 months. She then mentioned that the " dormant fee '' information can be found in the rules and regulation tab somewhere on their website under some inconspicuous rule section that has a number and letter. 

This fee is deceptive, manipulative and wrong. Any fees should be explicitly made and displayed by the banking institution and their representatives. The supervisor claims that the bank sent me emails warning me that my account was on the verge of going into a " dormant '' state but I could not find any emails from the bank mentioning this or any " dormant fee ''. 

They've charged my account {$35.00} and refuse to waive the total fees. They've chosen to only waive {$15.00} and that's unacceptable. I'm sure I'm not the only customer they've done this to. 

I've included screenshots of Fifth third Bank 's website info for their momentum checking account as proof of their deceptive tactics. Please help me get this matter resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submitted a dispute to XXXX and Transunion, asking them to remove a collection that doesn't belong to me. XXXX and Transunion did not remove the collection after the investigation, nor did XXXX or Transunion provide evidence of the debt per my request. The collection reflected in my credit report is not my collection.

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 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I hope this message finds you well. I am writing to address a matter of utmost importance concerning my PayPal account with the email address XXXX. 

I recently received notification that my account has been permanently limited, and I must express my deep concern and disbelief regarding this decision. I firmly believe that this limitation must have been placed on my account by mistake. I have been a loyal PayPal user for many years, and I have always adhered to PayPal 's policies and guidelines. 

I would like to emphasize that I have not violated any of PayPal 's terms of service or policies, knowingly or unknowingly. I take pride in conducting my transactions with honesty and integrity, ensuring that all my activities comply with PayPal 's guidelines. 

In light of this, I kindly request PayPal to reconsider and thoroughly re-investigate my case. I am confident that upon closer examination, it will become evident that there has been a misunderstanding or misinterpretation leading to this unfortunate limitation. 

I sincerely hope that PayPal will grant me the opportunity to rectify any discrepancies and demonstrate my commitment to upholding the principles that PayPal values. It is of great importance to me to have my account reinstated, as it plays a crucial role in both personal and professional financial transactions. 

I understand the need for security measures to safeguard the platform and its users, and I fully support PayPal 's efforts in this regard. However, I humbly request a fair chance to present my case and prove my innocence in this matter. 

I kindly urge you to treat this appeal with the utmost priority and urgency, as I am eager to reach a resolution at the earliest possible time. I have complete faith in PayPal 's commitment to fairness and am hopeful that my appeal will be considered with an open mind. 

Thank you for your attention to this matter. I look forward to a positive response and the reinstatement of my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I took out a small loan in XXXX, made perfect payments of XXXX per month, I paid off the loan in XXXX of XXXX, six months later XXXX dropped my score, Equifax did not ; who knows what XXXX has done as they keep themselves hidden from my credit union and XXXX XXXX unless you pay. 
Last month-JXXXX XXXX XXXXXXXX, 3 years later out of the blue once again XXXX dropped my credit score when I have not touch anything to do with credit since XXXX of XXXX ; Equifax did not. As of today XX/XX/XXXX in viewing my credit score at my credit union and on XXXX.com I now see that Equifax has followed XXXX and has also dropped my score by XXXX points! 
In these past 3 years I've watched my credit score slowly increase which made me happy in case I need to apply for a loan or credit. 
How can they just drop my score when I've not touched anything that has to do with credit? All bills are always paid on time and I have no outstanding debt to be paid! Nothing touched since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: IN

Complaint narrative:
I took out a small loan in XXXX, made perfect payments of XXXX per month, I paid off the loan in XXXX of XXXX, six months later XXXX dropped my score, XXXX did not ; who knows what Experian has done as they keep themselves hidden from my credit union and XXXX XXXX unless you pay. 
Last XXXX of XXXX, 3 years later out of the blue once again XXXX dropped my credit score when I have not touch anything to do with credit since XXXX of XXXX ; XXXX did not. As of today XX/XX/XXXX in viewing my credit score at my credit union and on XXXX.com I now see that XXXX has followed XXXX and has also dropped my score by XXXX points! 
In these past 3 years I've watched my credit score slowly increase which made me happy in case I need to apply for a loan or credit. 
How can they just drop my score when I've not touched anything that has to do with credit? All bills are always paid on time and I have no outstanding debt to be paid! Nothing touched since 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 2023-08-02 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: GA

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 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 seven years. 

15 U.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 non-monetary relief
Consumer complaint received 2023-08-02 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: GA

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 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 seven years. 

15 U.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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Auto debits were taken out of my account even though it was no money in the account. There was XXXX debits taken out, which resulted in XXXX {$36.00} charges ( {$100.00} ). When I did not pay the overdraft fees in XXXX days I was charged another {$36.00} for a total of {$140.00} in overdraft fees. I went to the bank ( XX/XX/XXXX ) to see if I could get any help or get one removed, after waiting over a hour I was told no. I paid the fees so I wouldnt get anymore fees. I asked to close the account that day as well. On XX/XX/XXXX I was charged a {$1.00} service charge for prior period. I have never heard of this charge before, I went to the bank on XX/XX/XXXX to ask what the fee was for and the teller said it was unusual and did not have or offer an explanation. I paid that fee. The account was still not closed on that date. I have since called to get account closed and Im awaiting documentation of closed 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 non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: MD

Complaint narrative:
I saw a home for sale ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) on XX/XX/2023, learned it was a VA loan, and submitted an offer that required a VA Loan Assumption ( swapping out the current owner 's VA XXXX loan entitlement for mine ), and it was accepted on XX/XX/2023 with a contractually obligated closing date of XX/XX/2023. The lender, XXXX XXXX XXXX XXXX ), provided the wrong direction to me, for the first 2 weeks of a 30-day closing process. You see, I had XXXX homes on a VA Loan at the time, one in XXXX XXXX, IA, and one in XXXX XXXX, MD. VU confirmed to me, multiple times, by multiple loan officers, that I only had to refinance XXXX the XXXX XXXX XXXX out of a VA Loan and I was good. On Friday, XX/XX/2023, XXXX contacted me to let me know that everything they had been telling me to do was wrong. When I asked why, they were unable to explain why or provide supporting documentation in the VA XXXX XXXX why. I requested documentation but never received an explanation or citation. The new direction I received was that 1 home had to be sold and the other home refinanced out of a VA XXXX. Now, on the Friday before XX/XX/XXXX, I just had XXXX weeks to now sell the XXXX XXXX XXXX and begin the refinancing process of XXXX XXXX. I was able to accomplish both tasks but VU was constantly making up new rules and requirements. In the final XXXX weeks of closing, I had to call the Department XXXX XXXX XXXX XXXX VA ) nearly daily in order to get them to contact VU and have them explain themselves, and every time VU would fold and rescind their requirements. XXXX specific examples are : ( XXXX ) on Tuesday, XX/XX/2023, VU contacted me to inform me that they could not close on XX/XX/XXXX without an updated VA XXXX XXXX XXXX ( XXXX ) which is factually incorrect. I contacted the VA, the VA emailed VU, and VU honored the VA XXXX XXXX and confirmed they could close on the XXXX, MD XXXX on XX/XX/XXXX. This happened, yet again, within XXXX hours of closing, at XXXX pm on Thursday, XX/XX/XXXX, that VU would not close without a new, updated XXXX. VU 's loan XXXX, XXXX XXXX, informed me that XXXX 's legal team stepped in and enforced this requirement without providing any supporting documentation or explanation. Again, I called the VA, and they fixed the situation yet again but were alarmed to hear that a company 's legal team stepped into the mortgage closing process after the " cleared to close '' has been issued, within XXXX hours of closing. We demanded an explanation from VU to explain the irregularity of their legal team 's involvement but were provided none. I believe that XXXX was trying to prevent the loan assumption because it would be less profitable for them because the loan was going to be assumed at 2.75 %.

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