vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 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: NV

Complaint narrative:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Experian on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Experian continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Experian is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC
State: PA

Complaint narrative:
I had an issue with my Mortgage. The mortgage was issued by Sprouts mortgage and brokered by XXXX XXXX. The mortgage was originally suppose to close on XX/XX/XXXX. I called every day for two weeks prior and we were suppose to close and everything was fine and i had setup my move. At XXXX XXXX on XX/XX/XXXX, i was told it was not going through. The company went radio silent and i di not really hear form them again until XX/XX/XXXX when they told me they were ready. I tried every day. I was effectively homeless and had to make arrangement on where to live with a 1 year old. It cost me XXXX buck and was not fully reimbursed. In addition, it took the firm over a month to get it set up on their system for me to make my first payment. This company was taking advantage of consumers and left people homeless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
We purchased the home on XX/XX/XXXX at the original loan amount of {$90000.00} with the original loan company, GreenTree Financial. Our loan has switched hands 3 times and is now with Sheelpoint Mortage. We had been making on time payments for over 20 years but our balance today remains at {$120000.00}. I, as main income provider, in the past 3 years have had medical problems that has made me miss work a total of 1 year and then in XXXX of XXXX, I was downsize from my job and have been on unemployment. Shellpoint is going to foreclose on our home. I feel this loan is a PREDATORY LOAN because even when we were able and did keep our payments current it did not effect or decrease our loan at any time. Now that we have had income problems Shellpoint is willing to foreclose and take our home away from us and we feel with this loan we were never given the chance to make good on it. We are attaching the original GreenTree letter and the current foreclosure statement to show the loan amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: PA

Complaint narrative:
I have been a victim of Identity theft and have submitted copies of my dispute and they want additional information. I am submitting additional information to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I purchased 5 packages containing 2 face gaiters each from XXXX on XX/XX/2020, order # XXXX. 
XXXX was delivered on XX/XX/2020. 
On XX/XX/2020 I emailed the company to inquire about procedures for returning the merchandise because it did not fit. 
XXXXXXXX XXXX responded with a form to fill out for returns. I filled the form out to return 9 of the 10 face gaiters because per the company, they only accepted unopened returns and I had opened one mask try on. 
I returned the items within the required 15 day window. 
On XX/XX/XXXX I emailed the company to notify them that I had sent back the items several weeks prior and wanted to know when I would receive a refund. 
The company replied on XX/XX/XXXX stating they received my returned merchandise minus the one gaiter I did not include ( because it was opened ). 
The company then refused to issue a refund. 
I emailed the company again on XX/XX/XXXX to find out why they had not refunded me and I did not receive a reply. 
I filed a claim with Bank of America for this charge on XX/XX/2020. 
On XX/XX/2020 I provided Bank of America with a statement letter as requested, along with email correspondence between myself and the merchant, XXXX. In the emails I provided, I included the email where the company admitted to receiving my returned merchandise. 
This claim has remained opened and unresolved for nearly 4 months with Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$2000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$2000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello! 

On Friday the XXXX I saw that my paypal was hacked and someone fraudulently opened up a debit card without my knowledge. I reported the unauthorized transaction and paypal refunded the scammer and not me although they said it was a fraud transaction. This leaves my account in the negative XXXX dollars I am XXXX and on a fixed income so paying this back is very difficult. I found out a few hours later they have banned me from paypal for life and will not respond to any of my messages. I do not want this out standing balance to ruin my credit. Please help as I am very stressed out and should not be held responsible for this hacking. Paypal ruled I my favor that the transaction was fraudulent but returned the money to them and not me. They are now saying I owe the XXXX dollars and my paypal account is permanently banned and my credit will be ruined as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17 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: NV

Complaint narrative:
This is a second request. There is an account on my credit report thats not mine. Please remove it. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: NV

Complaint narrative:
This is a second request. There is an account on my credit report thats not mine. Please remove it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I have credit card with Wells Fargo, and my credit line is {$5000.00}. In XXXX, I received balance transfer offer from Wells Fargo ; the same month XXXX XX/XX/2020 XXXX, I applied for balance transfer in the amount of {$3000.00} plus {$120.00} transfer fee ( total {$3100.00} XXXX. The advertised terms says that " Enjoy a 0 % APR on balance transfers for 15 months ... .by XX/XX/2020 ... After that, your standard APR for purchases and balance transfer will apply ( currently 22.49 % ) ... 4 % balance transfer fee applies to transfers made in pursuant to this offer '' and Payment terms further says that " Generally, we will apply your minimum payment first to lower APR balances ( such as Purchases ) before balances with higher APRs ... Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. 
From XX/XX/2020 to XX/XX/2020 I had a purchase balance of {$2600.00}, and I made payment of {$2600.00}. Also, the minimum payment was {$61.00}. According to the Payment terms, {$61.00} minimum payment should be applied to my balance transfer XXXX $ XXXX {$61.00} XXXX, and XXXX should reduce my purchase balance to {$35.00}. And also, my balance transfer balance should be {$3000.00} XXXX $ XXXX {$61.00} XXXX for me to enjoy the advertised 0 % for 15 months ( the reason I made the transaction ). 
Wells Fargo instead, reduced the balance transfer that is subject to 0 % APR for 15 months with my payments. This contrasts with the advertisement and then begins to charge me interest on my purchase balance. My purchase balance is the one with higher APR and balance transfer has lower APR ( 0 % ). 
I called them to complain about this issue, and they sent some documents repeating the terms as advertised, and I thought they would adjust my account balances to reflect the terms. However, Well Fargo refused to make any adjustments but instead, repeated the same practices, reducing the balance transfer balance to almost {$0.00} and charged me interest again. I called their Research and Remediation Analyst, XXXX XXXX at XXXX. She told me there's nothing she can do about it that Wells Fargo can change its advertised terms any time without notice.

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 2020-11-17 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: NV

Complaint narrative:
This is a second request. There is an account on my credit report thats not mine. Please remove it. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Arvest is the present mortgage company prior that was XXXX. When began forbearance XXXX in XXXX promised to waive accumlated ate charges if I got caught up with payments which I did.. But then they regnigted and suddenly sold the loan around XXXX giving me a two dsy notice. Similarly having same problems with new mortgage company. The noted late charges accumulated {$1800.00} XXXX promise to forgive / wave back in XXXX in keeping with forebearance if I get caught up in monthly payments which I did. Both XXXX and now Arvest leave been giving me the run around ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have 2 accounts at Wells Fargo, on thurs the XXXX of XXXX. I sent a friend {$500.00} through XXXX  and was called by fraud dept. I was fully verified and the transfer was sent to the receiving party, on Fri the XXXX I initiated a transfer by wire for {$1800.00} to my friends Wells account which was again stopped by the fraud dept, department, called in and they locked my online banking and have since told me to come in branch to verify Identity.I work 12 hours a day 7 days most weeks, I start work before the bank opens and come after closing. I have always been an online customer and don't have the luxury of coming in due to work schedule.I have been on the phone 2 times per day at least for almost 5 days.They refused to close my account upon asking, the agent on the phones name was 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 2020-11-17 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Recently, I reached out and spoke with a representative of Santander Consumers USA. Upon speaking with the representative an agreement was made that if I was to bring the account current ( it was in 60 days past due status ) that my account would be made current and the late payments will be made current and late status removed as well. I made the payment amount of XXXX on XX/XX/2020. The account has been made current but the past late payments remain. My job is currently doing a yearly review on our backgrounds and being that I work for a finance company this may prevent me from keeping my job. This is will severely affect my livelihood. I have asked multiple times to have them removed. I have maintained a current status with my car loan since I was able to get my finances on track since obtaining steady employment. I currently solely provide for my daughter I am unable to risk losing my current job. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: MO

Complaint narrative:
I received a US Bank Relia Card on XXXX XXXX, 2020. I did not request this card and I do not want this card. I have not file for unemployment and I do not need this card. On XXXX XXXX, 2020, I called five telephone numbers of US Bank Relia Card and I have called each telephone number several times. Every time I call, I get the automated message that all the representatives are business and I have a wait time of ten to fifteen minutes. After a couple of minutes of waiting the Im automatically disconnected. I have not been able to speak with a representative from US Bank Relia Card and no representative in their fraud dept. I want this account closed and deactivated and to inform them the need to verify who the are issuing a card too before just sending it out to individuals who has not requested it. 

I want this account closed and the card deactivated. I was unable to contact US Bank Relia Card online because I will have to create an account with the card and Im not doing that because then the card will be active, then whoever requested this card then will have an account. Would please assist me in contacting US Bank Relia Card to close this account and deactivate or flag the account and the card they have sent me.

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