vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I used PayPal to get my stimulus check deposited and followed the steps to get it all done and was scheduled for a deposit on XX/XX/XXXX and contacted customer service about it and they kept telling me the same generic resposes even when giving them a trace id they still continued to give me the same response. I called the irs and told me they rejected the deposit and will mail a check but to see if they released the funds back so we could issue a check but no help. They continued to say the 3 to 5 bussines days and we can't help. I even called the customer service at PayPal and they are closed. I am so sick from all this and trying to come up with rent and bills I'm wishing I just used XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Disputing Fair Collections and Out Account # XXXX Reason : I paid these charges to XXXX XXXX XXXX before it was sent to collections or before it was charged off. Also the charge for {$320.00} for month to month rent ( XXXX ) is inaccurate. My lease ended XX/XX/2014. 

I have disputed this with Fair Collection and Out first, then the credit bureaus. The collection company refuses to admit that I am not liable for this amount. They have no proof that I owe this collection account and are being unethical by continuing to report to the credit bureaus. 

Additional Documents are provided Letter of Breakdown Statement of Charges Check Stubs Lease Agreement

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 2020-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: OR

Complaint narrative:
The problem I am having is based off of three things : flood insurance for my home ; the type of loan I am in ; and the changing of mortgage companies. 

When I purchased my flood insurance in XXXX of XXXX, my Mortgage company ( at the time ) was well aware that I was going into an FHA loan. One step further, this Mortgage company even helped me acquire my current flood insurance. It was vital that we get the lowest flood insurance possible ; as it was an added expense we could barely afford. 

Then, in XXXX of XXXX our mortgage was bought out by Planet Home Lending. I received a letter in XXXX saying that Planet Home Lending had acquired our mortgage and FDPA requires flood insurance for any property in a flood zone ; BUT Planet Home Lending deemed my current flood insurance : expired, cancelled, or unacceptable. Also, stating that their policy demands an NFIP loan, and quoting me at {$2000.00} ANNUALLY ; when my current flood insurance is {$800.00} ANNUALLY, through the original Mortgage company. 

My discretion is : My loan was sold with very noticeable underwriting guidelines for purchasers to view. Purchasers or buyers are supposed to cross-reference their policies with the current contracts that home-owners are bound to. 

It is clear to me that this did not happen when Planet Home lending bought out our Mortgage from our original Mortgage Company. The criteria in our underwriting was different from Planet Home Lending 's policies, yet they still bought/accepted our mortgage agreement. 

OK, so this is fine, however do not force me into buying a brand new flood insurance that I can not afford. 

So in XXXX, I did contact my insurance agent as I knew something was not right with this new relationship. I informed my agent that I was not quite sure what was going on, since I already had insurance purchased through him ; backed by our Originsl Mortgage Company. My insurance agent then reached out and provided me with Planet Home Lending 's policy, and it appeared that everything was fine. 

I received another letter on XX/XX/XXXX ; and another on XXXX, XXXX XXXX. The letters continued to express that I wasn't covered and that I needed to purchase new Flood Insurance coverage, even though I was already in a contract with current Flood Insurance. 

I do understand that Planet Home Lending has their own policies, and I do understand that mortgages are often bought out. However, I think it is completely unfair to me ; as purchasing a new insurance will surely put me into financial harm. 

I did not do anything wrong ... Planet Home Lending should own up to their own mistake of buying a mortgage whose terms they did not agree to. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
As I have begged in the past this address XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Is not mine nor has it ever been An it's associated with. Credit acceptance account Please remove delete. Or what ever u got ta this 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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I recently pulled my credit and noticed that XXXX XXXX XXXX is reporting a debts on my credit file that I no longer owe or have a balance. XXXX XXXX XXXX is still reporting an active balances. Also, they are double reporting with XXXX. XXXX. I've done some research and per the FCRA regulations listed on their site, it is a violation for two companies to report the same debt on my credit report. I am requesting XXXX XXXX XXXX to remove this debt off my credit file XXXX XXXX XXXX Account # XXXX - XXXX XXXX. XXXX Accounts # 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 2020-05-07 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: NC

Complaint narrative:
XXXX  drop my score 75 points for no reason after starting a reed investigation for no reason. TransUnion continues to post the web bank account on my report as XXXX  has.

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 2020-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
This Account was open XX/XX/2020 The Collection amount is {$620.00} it have been two late payment XXXX XXXX, saw it in my credit report and I never had open this account Credit Report Period XX/XX/2020 I call the creditor and they say is a cable company the company Name is XXXX XXXX # XXXX THIS COMPANY IS IN XXXX XXXX AND I LIVE IN New Jersey. 


I.C. SYSTEM, INC XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( 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 2020-05-07 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: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/29 found a {$350.00} unauthorized charge and immediately filed a dispute. So no action and called the dispute center and was assured they were working on it an I would receive a conditiona credit. In todays statement the is an indication the conditional credit was reversed. Received no communication this, and was initially there would no charge in this months statement. 
Unable to locate the company who initiate the charge to see what's going on

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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
First, I have TRIED to contact Experian directly -- over twenty ( 20 ) times -- but ALL that they now have is several infuriating " customer service numbers '' : NONE of which leads either to a real person, or any of their canned menu options relating to my problem, below. 

Second, I was simply trying to place a " one time use '' release on my Experian " Security Freeze ''. Their website is great -- it allows you to fill out a form to do exactly this. The problem of course is that IT IS NOT WORKING AT ALL! 

Third, so, still, no problem, right? I simply call one of their numbers to talk with a real person to solve this problem, right? SEE NUMBER 1 ABOVE -- THERE IS NO ONE 'AT HOME ' ANYMORE AT EXPERIAN !!! -- one of the 3 MAIN credit reporting agencies in the U.S.!!!

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 2020-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: TX

Complaint narrative:
I obtained a lease from Us Bank approximately a year and half ago, I am in the process of trading this vehicle and there is a early term fee on this lease. I was never disclosed this not have I ever seen it on a lease. 

this payoff I received today XX/XX/XXXX my lease balance is XXXX purchase price option is XXXX EARLY TERM ADMIN CHARGE XXXX SALES TAX XXXX the payoff I received on XX/XX/XXXX lease balance XXXX purchase price option XXXX EARLY TERM ADMIN CHARGE XXXX SALES TAX XXXX 1st off trading the vehicle in I would completely pay my lease balance and the purchase price option off 100 %. there should be no early admin fee as they will be paid 100 % for the vehicle. 2nd issue is there are no taxes as I had a XXXX trade in when I bought this car so there was no taxes. 

I have tried multiple times to correct this with them and every time I call they have zero idea on how to help me they just say I owe it. 

its not an early term the lease and truck would be paid off in full. 

I completely feel as If I was deceived and taken advantage off.

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 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
1/XXXX  XXXX XXXX, does not show my payments. I have NEVER EVER missed a payment. They got the money did not post it. 

2/I never went to XXXX XXXX XXXX, that was fraud.

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 2020-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took out federal student loans in XXXX, then the government unilaterally transferred them to Navient. Now, Navient is telling me I don't qualify for the government-mandated administrative forbearance in response to the Covid-19 pandemic. This forbearance allows you " to temporarily stop making your monthly loan payment. This suspension of payments will last until XXXX XXXX, XXXX. '' But I'm not qualified for this because, Navient says, some other organization is servicing my loans ... even though I deal only with Navient. 
This is pure fleecing. I took out federal loans. I never had any say over who manages and services the loans. I deserve not to have to pay during this crisis like others who took out federal loans. There must be millions of others like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent a letter to Experian on XX/XX/2020, to the address listed on their website ; XXXX. XXXX XXXX, XXXX, TX XXXX. The letter was to address unauthorized inquires that I did not give a creditor, finance company or car dealership permission to pull my credit. I in fact gave them a new 3 bureau credit report listing all my scores for each bureau, including every credit model available. I have not received any response, therefore my attorney advised me to call Experian, which I did today, XX/XX/2020. I spoke to a Representative that told me I did not have to give them permission or authorization to pull my credit report, that inquiring about a vehicle and providing them my personal information gave them all rights to pull my credit and that my signature or authorization was not necessary. I explained I had no choice than to file a complaint, therefore I wanted to be clear, and asked her to repeat this information so I was sure I understood correctly and she confirmed once again. I asked to speak with a supervisor and she would not transfer me for further help. In turn, I spoke to my attorney and he advised me to file this complaint. 

The following creditors did not have my authorization, direct written or verbal consent to pull my credit. I specifically advised the internet sales representative over the phone and confirmed they understood my request, and they agreed they understood. I never went to the dealership or provided any signed application or documents other then my credit report and a current paystub. Later I come to see they had my credit pulled 9 times without my authorization and consent. In my letter I specifically ask Experian to provide proof I consented to the 9 inquires listed below via FCRA section 609 and 605 as well as the accuracy of the 9 inquires mentioned via FCRA 623. If Experian has no proof of one or any, I would like them removed immediately from my consumer report. In addition, I ask Experian to please provide me with the " method of verification '' that their employees/staff used to verify and validate each of these inquiries : ( 1 ) XXXX XXXX XXXX on XX/XX/2020 ( 2 ) XXXX on XX/XX/2020 ( 3 ) XXXX XXXX on XX/XX/2020 ( 4 ) XXXX XXXX XXXX XXXX on XX/XX/2020 ( 5 ) XXXX XXXX XXXX on XX/XX/2020 ( 6 ) XXXX XXXX XXXX on XX/XX/2020 ( 7 ) XXXX XXXX XXXX on XX/XX/2020 ( 8 ) XXXX XXXX on XX/XX/2020 ( 9 ) XXXX XXXX XX/XX/2020 - 2 separate inquires from this finance company. 

I appreciate any assistance with this matter.

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My stimulus check is bottled up with American Express Serve ( dba American Express National Bank, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). 

The IRS notified me ( via an email ) that the funds were deposited into my Serve account on XX/XX/28 but it does not show up in my Serve account ( screenshot of IRS notice is attached to this complaint ). The Serve website says Serve would send him an email to notify me when funds have been deposited, but I've not received any email. And they are not taking any calls on their website. 

I have sent them a letter ( US Post Office ) but have not heard back. 

I've contacted American Express, the apparent parent company, but their phone reps say there's nothing they can do but take down my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I was totally approved and giving the ok to activate my Apple Card and XXXX XXXX XXXX but one still getting a message from my XXXX XXXX XXXX ( even after I got a full approval activation link to my Apple credit card ) that sending and recieving money in messages have been restricted and unavailable for my use. its been very difficult to get around this so Im gon na need a bit more help because Im suspose to be in process of getting cash back from my XXXX credit card from making my XXXX purchase. +example -if you successfully dispute a transaction for which you initially earned XXXX XXXX, which results in a permanent credit being applied to your Account ; or so Im pretty sure that means I am approved for perminate unlimited credit. in Conclusion There are just a few more things from my contract I wanted to point out starting with -PHYSICAL COMPANION CARD Upon your request, we will issue you a physical Card that you can use to make Transactions from your Account. 

& -Welcome to Apple Card! 
Your Apple Card Account is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX ( " Bank '', " we '', " us '', or " our '' ) and this is a legal agreement between you and us. By using your Apple Card Account or adding your Card to XXXX XXXX, you are agreeing to be bound by this " Agreement '', which includes this Apple Card Customer Agreement, together with your rates information, which can be found in your XXXX XXXXt. Please read it carefully, and keep a copy for your records. 
You can view, print, save and email current versions of the Agreement at any time from your XXXX XXXX, or you can request this Agreement by contacting us. 
CONTACTING US XXXX instead of writing this email should I have called because I already spoke to XXXX and she help me as much as possible. Should the percent improve fix Be expected in the new phone?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
3 weeks ago I found a money order that i drew out on my account with formerly known as Washington Mutual who is now Chase Bank. The money order was drawn out years ago but never cashed. I pulled the money order from my account with the bank but now because its drawn out on a now closed washington mutual account they will not honor my money order and refund it. Chase bought out Washington Mutual years ago but I was a customer with an active bank account that was transferred into chase when chase took over. So Chase should honor the money order being that it was drawn out on my account with them when they bought Washington Mutual. The money order is for XXXX dollars and has been returned to me twice even after i was told they would honor it if i could provide the account it was drawn from. That account number with Washington Mutual is XXXX. This account was then transferred to my now Chase account when chase took over. This complaint is made because i feel like they are stealing XXXX dollars from me regardless on how long ago the money order was drawn. Where did the money go? The money order was never cashed. Therefore i should be refunded regardless on time passed. I have been issued fees for depositing my money order twice after speaking to Chase and being advised it would be honored. 
My account now with chase is XXXX. This is the account that i transferred into when Chase took over Washington Mutual.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I mailed credit dispute letters to Equifax, XXXX, and XXXX on XX/XX/2020 and the incorrect items have not been removed. I also have not received any communication back from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: PA

Complaint narrative:
Our lender has caused nothing but problems since pretty much day 1 of this loan. We've had them misplace numerous documents, lose access to ex-employee info that included our file that she was working on, communicate with the seller of our home instead of us directly, and so many more things that I can't even get into right now, but what we really need them to fix here is the fact that since XX/XX/2019 we have been calling repeatedly, sending messages and leaving messages about refinancing our loan due to a loss of income, and more recently with the covid-19 pandemic, we filed again for help with the loan, all with NO REPLY OR RESPONSE from the company! They have been made well aware of the financial situation, we've sent them the hardship papers twice now, and again, the covid-19 application too, so that's 3 applications we've filed for help with them, only to have them completely DESTROY our credit every month by reporting it late despite our pleas for help with this. We just found out they raised our monthly payment roughly {$100.00} per month with absolutely no idea why or explanation from them whatsoever! They refuse to add my wife on the mortgage information ( even though they talked to her thru the mortgage process and not me ) with having that request sent in several times as well! I've been yelled at, transferred, hung up on, and when I finally do get someone on the phone, it's a different story or information every time, so I have no idea what's going on or how to get out of this situation!?! They basically have me screwed right now because no one will touch this loan being it's been reported late from them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation