vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: TX

Complaint narrative:
To whom it may concern : This complaint is in response to Equifax 's claim that the XXXX XXXX tradeline starting with account # XXXX reporting to my Equifax file has been verified in being reported by XXXX standards, 100 % accurately which it is " not ''. I have disputed this credit entry with this particular bureau over the last several months to no avail. I highlighted the fact that Equifax has been falsely reporting payments on this tradeline months after the account has been paid and closed out ; I received a notification today once again from one of the proprietary credit monitoring services for the new month here in XXXX reflecting another payment posting to an non-existent account. I attached the XXXX report to this complaint as example to show that the account has been paid and closed in XXXX of XXXX. The XXXX file still falsely reports the term on this account as " 81 '' months when it was actually 72 months ; but yet it shows the account status as " Paid, and Closed '' with a " 0 '' balance and no payments reporting after XXXX of XXXX. The attached Equifax reports, online and mail, printed report as well as digital, both reflect the same inaccurate information. Equifax reports the status of this account in XXXX of XXXX " Pays account as agrees '' which falsely reports the tradeline as being open, even though the account status reports the account as " closed ''. Equifax reports this tradeline as opened and closed simultaneously. On a tradeline that was paid off in XXXX of XXXX, Equifax reports payments being made in XX/XX/XXXX through XX/XX/XXXX. My XXXX report will reflect a XXXX payment once it updates. The Installment terms are also missing. How is Equifax able to gather all of this detailed information about this account without a term? They report this account as going on forever. The documents I provided all share the same account number across both bureaus as this is one account, yet Equifax reports conflicting inaccurate, unverifiable information and fails to update or correct the entry once being notified. " Do Not '' forward this complaint or my dispute to the furnisher. The legal counsel for XXXX XXXX during pre-trial in Federal Civil case, XXXX XXXX XXXX XXXX XXXX case Civil Action No. XXXX has already certified and provided documentation showing that their client did not initiate the reporting of the inaccurate information that Equifax holds in reference to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
We were told by Sallie Mae ( now Navient ) to consolidate into spousal loan since if both borrowers qualify it would be fine to get PSLF in 10 years with a 30 year payment plan. After starting with {$120000.00} balance, we paid over {$150000.00} in the last 10 years and now owe {$180000.00}. Now with the temporary expansion of PSLF allowing FFEL payments to count, we tried to consolidate to direct. Despite being told my a student loan advocate and attorney that it is not illegal to go from joint loan to individual since the new single borrower agrees to be responsible for the debt ( like any joint loan refinanced into a single loan ), Navient blocked the consolidation into direct. The total spousal loan shows on Fed servicing as being all mine already, but Navient refuses to budge. We wouldve been better off with a regular 10 year amortization as there is no way possible to ever pay this off. Now we are blocked from relief under the expanded PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
on XXXX XXXX I sent for validation under the FDCPA i have the right to request and receive validation of the Dept. never recived any info and I demand its removal from all consumer files. it's XX/XX/XXXX and still has not recived anything it is harming me from getting credit. they are in violation of the consumer law 806 harassment and abuse 807 False or misleading representations 808 unfair practices 809 validation of debts

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 2022-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I have a loan with Exter Finance. I make double my monthly payments and I have repeatedly asked for the extra payments to be applied to principal only. They say they will and it never is applied to the principal and nobody will actually fix it even though they say they will every time I call. There is also no option to view how my payments are applied until after my statement is released each month so I am unable to verify anything until well after payments are made and applied. 

When I have spoken to someone with any ounce of compassion who did try to help, I was told that I incur a {$7.00} a day interest fee no matter what and that's why it won't apply. This is 100 % predatory lending and illegal. My initial payment legally goes to my interest & principle, but any additional payment should go to principal only, when requested to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
In XX/XX/2020 I closed on a streamline refinance. During this refinance I wanted to put my husband on the deed of the home. Instead of filing the document to put him on the deed of the home the closing company put him on the Deed of Trust. He is trying to close on a home in Florida, he can not because when they did a title search, they found that he is obligated to the loan on my home in Maryland. He is not even a joint applicant on the refinance. When I called XXXX XXXX, Maryland Treasurer 's office they told me that a new Deed of Trust needs to be filed. I have called the original loan officer, the title company, my loan servicer, the processor, the closer, and back to my loan servicer. I have emailed and I have received no help at all from this company and they are all affiliated. I was told today that the only way to fix this error is to refinance the loan. I need help fixing this error and I am getting the run around. I have called : XXXX XXXX at XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX = XXXX Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX My Mortgage company is Lakeview Loan Servicing and the servicer is XXXX XXXX in Virginia XXXX Virginia. 

Lakeview Loan Servicing , LLC XXXX : XXXX XXXX Department XXXX XXXX XXXX Virginia XXXX, VA XXXX Please help me get this resolved.

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 2022-02-02 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
I bought what I thought were three canopy sets from XXXX using my PayPal credit card. When I received the items, I realized that they were not sets but covers. I contacted XXXX and asked for a refund of {$140.00}. They responded favorably by sending a return label and indicating that the refund might take about 30 days. I went to the Post Office and mailed it with tracking and paid {$58.00}. Later, I realized that the enclosed return label XXXX XXXX XXXX XXXX XXXX XXXX which was associated with my return was NOT used, instead because I paid out of pocket in error, XXXX XXXX XXXX XXXX XXXX XXXX was used. However, the tracking showed that XXXX had received the package. The transaction ID was XXXX and the Product ID # XXXX and return id XXXX. PayPal immediately processed my refund but days later reversed the charge. Because I complained and escalated my complaint with PayPal, we went back and forth with credit and reversal four times. On my last complaint with PayPal - XXXX XXXX, I was assured that that reversal will not happen again. The communication between PayPal and XXXX was never shared with me. I wrote several times to XXXX  and they used very derogatory language to explain my attitude. It should be noted however that I had bought several items from XXXX in the past without incident. In my last communication with XXXX, in which PayPal offered an email of XXXX, I laid down what I taught was an easy trace find for XXXX  to do to associate the tracking which I used to the return label tracking which they had sent. XXXX  has not bothered to reply. While PayPal has increased their harassment of me to pay up. I told them I can not pay because they have done nothing in my view to have XXXX  do a little research on their side, and I paid {$58.00} out of pocket to return the items and I am NOT in possession of the goods. I just want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, On XXXX I lost my job. I was placed in a financial crisis and was unable to pay cards. Unemployment took a very long time and me and my children were facing eviction. I spoke with several reps at Capital one to see what I could do in XXXX. I started back working the end of XXXX and made a payment to try to avoid closure XX/XX/XXXX. They took payment and closed account XX/XX/XXXX. They applied my XXXX security towards balance. I went in account XXXX to make another payment and noticed account was restricted and closed out. They couldnt explain why/decision was made to close account. With everything going on with loss of jobs, financial crisis due to pandemic, it would seem some of these companies would have something in place to assist at this time. My account was open for over XXXX years. I am a single XXXX and was trying to purchase a home by next year for me and my family. This is XXXX  me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
A balloon payment is due on the second mortgage XX/XX/XXXX in the amount of $ XXXX about. The company is Select Portfolio Servicing XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I have been working with the company since XX/XX/XXXX for a term extension of a few months. We are working on a 103 year old house to get it ready for the spring market. My wife is an experienced top realtor in our area. We can fix the house or pay off the second but can not do both which we have told SPS many times on recorded lines. The house is un-sellable without the deferred maintenance items remitted. We have provided SPS with front and back check copies for $ XXXX of contractor work to date. We have offered in writing to pre-pay any term extension. We can not refinance as I am unemployed do to COVID and my wife 's business has been negatively impacted. 

SPS says they can not extend term or help us because we are current on the loan. None of their loan modification products appear to address being current and asking for short term extension. They have told me numerous times that is because of federal rules which I do not believe to be the case. 

Just got off the phone with SPS ( noon XXXX XX/XX/XXXX ). The agent implied that I could make my regular {$550.00} XXXX payment on line on their site and it would be accepted. He also said for us to apply again for loan modification XX/XX/XXXX which we will do. 

We are trying to not have our credit harmed when we miss the XX/XX/XXXX balloon payment while making our normal monthly payment. 

I have documented every call and there are lots. The CFPB web sight shows 25 complaints on SPS in XX/XX/XXXX alone and XXXX CFPB complaints over the past 3 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I was denied an extension of credit and discriminated by WESTLAKE FINANCIAL SERVICES ON XX/XX/2021 when I was denied an extension of credit when I attempted to obtain a vehicle for my personal household and family use.

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 2022-02-02 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: Fay Servicing, LLC
State: PA

Complaint narrative:
My ex husband purchased a property at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX in XXXX. I wasnt part of sale/never on mortgage. At some point he added me to deed. I was never on loan. We got divorced. I havent lived there at property in over 11 years. Unbeknownst to me, he let property go into foreclosure. I have nothing to do with the foreclosure. All mortgage statements are in his name only and I was never aware of the foreclosure until I went to buy a property last week and its now on my credit report bc Im on the deed. I need this removed! You are ruining my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2022 i sent XXXX payments for {$40.00} each {$80.00} total. While never having used XXXX before through Wells Fargo, it is advertised as powered by Wells Fargo. I figured if it's built into the Wells Fargo app and advertised as a Wells Fargo product that they would have my back if there was any issues. I was scammed out of the {$80.00}. I reported it to Wells Fargo immediately and they are refusing to do anything about it as if it's a completely different company that they have no ownership interest or contracts with XXXX. It is fraud plain and simple but Wells Fargo refuses to accept it as 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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One credit card with a XXXX  limit is not being reported by XXXX. As I have not missed any payments on this account their refusal to report this account is adversely affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I had a mortgage with First Bank Puerto Rico and refinanced in XXXX of 2021 with another lender due to the continual frustration with the servicing of the loan. I've made several complaints with the cfpb in the past regarding those mishaps. I have been attempting to get the status of the 1098 tax form from First Bank Puerto Rico via numerous phone calls and emails. I get a different response every time which includes the 1098 form is mailed already, the 1098 form will be mailed by mid to end of XXXX of this year, the 1098 form will be mailed next week. Historically, I've never been able to get mail from First Bank Puerto Rico. They blame USPS. To that point, I asked that the 1098 be emailed. I received an email from a person in leadership stating the 1098 form will be mailed ( attached ). Did not receive it and during the last call to customer service, I was told that 1098 forms are never sent via email. Yet another discrepancy in information provided by this lender. 

I might add that I no longer have access to their portal since the loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: FL

Complaint narrative:
All XXXX of my credit reports are reporting the same account containing a lot of inaccuracies. The account I am referring to is XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Account XXXX This account is reporting inaccurate late payments and I have been going back and forth trying to correct the information. If the information can not be corrected, the account has to be removed off of all XXXX of my credit reports because it is reporting inaccurate information and violating the FCRA. 
All XXXX Credit Bureaus are reporting that I was 30 days late in XX/XX/XXXX, then you reported again that I was 30 days late in XX/XX/XXXX. They then reported that I was 60 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. How is this so? I can not be 30 days late for two consecutive months back-to-back, then 60 days late the month right after the previous two months, and then 60 days late again the following month. It is impossible. This is a serious error in your reporting. 
I have written multiply letters dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth.

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 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX and sending a complaint without any third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The letter I sent to TransUnion was dated at XX/XX/XXXX up until now I still havent receive any changes regarding the issue. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XXXX XXXX i contacted my bank which is Chase bank better known as JP Morgan to process a wire transfer of 2000 to purchase a car from the company XXXX I asked for assistance on how to go about doing this however none was really given, i proceeded to process the wire transfer to the company of Tresl the account number given to me by the company was : XXXX routing number XXXX the wire transfer was received according to chase bank on XX/XX/XXXX the company XXXX informed me that the account listed does not accept wire transfers as it is an ACH account I have all emails received from the company XXXX i reached out to my bank to cancel the wire transfer or as chase called it recall the wire transfer which failed I am caught in the middle of all this I want my money back into my account and chase is refusing to do so, i find this wrong and i want my money back i have since sent a 1000 down payment for my car and the 2000 according to tresl was received i asked chase XX/XX/XXXX to provide information that the 2000 was not received via wire transfer so far they have not provided that proof i have reached out to XXXX and the same thing so i am convinced this is in fact some sort of fraud/scam and i want my money back.

Company response to consumer: Closed with explanation