vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I mailed a settlement letter on XX/XX/2021 with tracking number : XXXX. XXXX was returned to the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: NC

Complaint narrative:
My patience has completely ran out with the Consumer Affairs agency. This company is suppose to be handling my Identity Theft fraud case. I have filed several identifying documents that was requested of me, such as a, Federal Trade Commission Report, an official police report filled out by a detective at my local police station. I even contacted the companies in question advising them of my identity theft situation. Although a few accounts have been removed, there are still numerous accounts that are still on my credit report. This situation is a very obvious theft case, but the Consumer Affairs division seems to be bias towards consumers. I have did everything required of me, such as, filing the varies reports in detail as to the names of the accounts, dates that I noticed the theft, etc. Consumer Affairs refuses to remove anything off my personal credit report, even thou I have provided every piece of paper work and reports that they have asked for. The excuse they keep throwing at me is The companies have said that everything is accurate No real Investigation just taking the word of the companies that still remain on my credit profile. Im particular, calling out the name, XXXX XXXX, which is a supervisor at the Consumer Affairs division. I spoke with him XXXX time only concerning the documents that I needed to file and send in to them. Since I have did as instructed XXXX XXXX has been avoiding my calls like a break up in a relationship. He refuses to do his job correctly. Instead I believe XXXX XXXX is receiving some sort of compensation from said companies in question. Its to my understanding that The Consumer Affairs agency works for the consumer, not the credit card companies and loan companies. I refuse to pay for accounts that I never owned nor benefited from. I have advised XXXX XXXX that I would have to file a warrant against him for fraud, Identity Theft, and embezzlement. I want the accounts that still linger on my credit report removed thats in question. I have provided all the necessary documents and anything that they have requested. This XXXX XXXX character need to be fired and investigated for taking compensation from these companies. This is highly illegal and it carries felony charges.

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 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OK

Complaint narrative:
My ballet school business ( I teach in schools ) was shut down by Covid, and still is due to the Delta variant. I was on forbearance. I was offered a modification payment of $ XXXXon XX/XX/2021. I was planning to accept but noticed it said my balance due of XXXX} was as much as the original loan of {$XXXX} XXXX  years ago. I have paid them {$XXXX} already. I asked for full payment history with balances from the beginning of the loan, including an explanation of {$XXXX} XXXX XXXX they invented, to show how this balance could be accurate. After months of calling, put on hold for XXXX minutes per time, messaging, emailing, texting, and sending a certified letter, I finally received only the last XXXX years payment history. They had previously charged me almost {XXXX} for a previous modification from XXXX to XXXX % They sent me a new loan modification with a higher payment of {$XXXX on XX/XX/2021, with a maturity date of XXXX. That would be XXXX years of paying them, plus another {XXXX, or {$XXXX} for my {XXXX} house. They will not send me the full payment history, no matter how many times I ask or who I talk to. I asked to resume payments in XXXX when my business is supposed to resume ; they speedily set it up for XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We opened a Bank account in Wells Fargo Bank in XXXX, IL branch. On XX/XX/2021, we received an XXXX amounting {$55000.00} for the services we delivered to a company. We got to know that by mistake the sender company wrote a different company name as beneficiary. Wells Fargo refused to release the funds and asked for a contract and the proof. We provided all the documents but still they refused to release the funds. 
The XXXX and all the staff were very rude. 

We told them to reverse the payment to the sender, so they can send again with a changed beneficiary name. But, Wells Fargo is not returning the funds back or releasing the funds to us, which clearly means they're using our funds. 

It is my request to help me with this. This amount is heard earned money and either they can reverse the payment or release. They can't hold our money like this.

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 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I've been a customer for XXXX  years and I've been told to avoid fees to keep my balance above {$1200.00} but it has changed to {$1500.00} and I wasn't notified. I've increased the balance now that I'm aware but I request the {$36.00} back in fees that I was charged and was told they could not be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I received a dunning letter datedXX/XX/XXXX from Linebarger Goggan et al. claiming that I owed XXXX XXXX {$170.00}, presumably for an uncollected toll with unknown surcharges ( their online payment number XXXX ). This is the first I had heard of this alleged uncollected toll. I have not owned a vehicle that may have been driven in Colorado sinceXX/XX/XXXX 

I wrote Linebarger XXXX XX/XX/XXXX, disputing the debt, stating I have not owned any vehicle driven in Colorado since XX/XX/XXXX and stating that an alleged uncollected toll from more than 4 years ago has no credibility. 

Linebarger never acknowleged my letter. Rather, they sent a " SECOND NOTICE '' wrongly claiming that I had not responded to theirXX/XX/XXXX letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
REVISED : My loan had gone into default. Select Portfolio Servicing , Inc. sent a letter to my homeowners insurance company stating that my mortgage was in default and foreclosure actions were being initiated. My home never went into foreclosure because I made payment in full. SPS never gave me a receipt or a complete breakdown of where my monies were applied, i.e., how much went toward mortgage payments, late fees, and all other charges. 

My insurance company at the time, XXXX XXXX XXXX. XXXX ) requested proof that my mortgage was not in default on XX/XX/2021 to prevent my home insurance from being canceled. SPS refused to give me the proof when I requested. My insurance agent, XXXX XXXX ( XXXX ) also called SPS to request the information and she was also denied the information on XXXX XXXX, 2021. SPS ' attorney never sent me any information either. If SPS  would have provided me with a letter, or XXXX to my insurance agent, my policy with XXXX XXXX would not have been canceled. SPS did not provide me the information for the insurance until after I filed my first complaint. Now SPS is charging me {$510.00} for their policy from XXXX XXXX, 2021 to XXXX XXXX, 2021. My policy with XXXX XXXX was canceled because of SPS ' refusal to cooperate and provide information in a timely manner, all the while making a profit. 

I lost my policy and now XXXX XXXX XXXX XXXX will not reinstate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX, we signed the paperwork with XXXX XXXX, XXXX Design Consultant @ XXXX XXXX, for window replacement/installation project in our summer house in XXXX, NY. I opened a Home Depot credit card as part of the deal and began repaying the deposit for this project ( XX/XX/XXXX - {$500.00} ; XXXX - {$200.00} ; XX/XX/XXXX - {$200.00} ; {$900.00} all together ). In XXXX, we got our windows measured by another XXXX XXXX employee. In XXXX, we scheduled the date for installation - XX/XX/XXXX, Saturday. We were very specific about a Saturday appointment as we live in XXXX and can only come every other Saturday. For the past XXXX weeks ( before XX/XX/XXXX ), we would get reminders a few times a week- via text messages, e-mails, and voice mails- about the upcoming installation date asking us to be in the house between XXXX and XXXX a.m. and reminding us about the importance of removing everything XXXX feet away from the windows. As law abiding and loyal customers, we came Friday night ( XX/XX/XXXX ) to follow the instructions. At XXXX (!!! ) a.m., we got a phone call from XXXX XXXX ( XXXX ) who told us that they had to cancel an appointment since they didn't have installation crew... He failed to answer when I asked him if he had found out about that issue at XXXX a.m. on Saturday. We were upset to the point my husband had to take his XXXX XXXX XXXX medication and pain relief pills. It was so unacceptable and unprofessional on the XXXX XXXX! 
We explained to XXXX XXXX that we are not available in XXXX- the whole point of that project was to get the windows replaced before winter. I tried to reach someone at Customer Service to get help. It was not easy as it was Saturday. I spoke to XXXX ( XXXX XXXX at XXXX, ext. XXXX ) who assured that XXXX XXXX ( XXXX XXXX ; ext. XXXX ) would give me a call the first thing on Monday, XX/XX/XXXX. Today is Monday XX/XX/XXXX ; no one has contacted me. I had to call these people myself : XXXX did not pick the phone and did not return my message ; XXXX again promised someone would contact me. 
Now, I am trying to close the XXXX XXXX card and get my money back ( {$900.00} ). Credit Card XXXX explained it is not up to them. XXXX XXXX Customer Service explained it is not up to them. Who is it up to??? We are so disappointed with the way they speak and treat us when we try to explain the issue. 
Please assist us to cancel the deal, close the credit card, and get the money back. 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 non-monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all the XXXX CREDIT BUREAUS as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Currently in federal litigation with XXXX XXXX XXXX. Consumer reporting agency transferred me over 5 times after they saw the lawsuit. Company didn't honor cease and desist, company didn't validate information, federal lawsuit was done when inaccurate information was posted to my consumer report without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello, XXXX did not authorize the car company XXXX XXXX XXXX. Located in XXXX XXXX XXXX in XXXX pa to run my credit report at all! I did not give them authorization to run my report and this is unacceptable, they ran my credit through XXXX companies of the name of capital one auto finance and XXXX. I had really tried to get this removed and to no avail. Please report this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all the XXXX CREDIT BUREAUS as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal allows anyone to send funds to anybody, without prior acknowledgment. 

My friend sent me {$130.00} to reimburse me for an expense. 
According to PayPal, she sent as a commercial transaction instead of personal transfer. I don't have any control over who and how they send me money. She did put a note that this was a transaction between friends. 

Upon receipt, I notice PayPal charged ME a fee. I tried to work on that with PayPal, but it's PayPal so they don't help in any way. Had they looked my account, I don't have any indication that this could be a commercial transaction, this was a transfer between friends. 

PayPal suggested me to refund, however I would still have to pay XXXX in non-refundable fee. See the problem here? Someone sent me money, I decided not to accept, and I still have to pay a fee ( not the person that sent it by mistake ). I'm paying for someone else 's mistake. Something completely out of my control, and I'm the one being charged a fee. How is this legal to be charged a fee for something you don't accept? If a fee must be charged, I'm not the one to pay for it. I did not initiate this, I did not sent any request, I made no mistake. How is it legal that I'm the one paying a fee?! 

The problem doesn't stop there. The representative said multiple times I'd be charged XXXX fee. I proceeded with the refund, and I was charged XXXX in fees. I wrote back asking about this difference, and then they said yes, my fee is higher and should be XXXX. You see the next problem? None of the fees PayPal told me matches what I was charged, which is higher. 

By the way, PayPal, of course, does not allow me to save the conversation to share with regulators. Isn't it nice? I had a lot of work to be able to copy and paste, and it is attached. There is a reason for them to make it difficult. 

This is clearly lack of regulators watching what these companies do. Why? Someone is probably making a lot of money, because it's unacceptable to have so much uncertainty in the financial industry. PayPal is taking advantage that regulators are not watching their operations. 

I regret choosing PayPal and that was the last time, I promise you. I thank PayPal for giving me the opportunity to find a competitor that made everything so much faster and simpler ( XXXX ) and, fortunately, I won't use PayPal or Venmo for any transaction in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
There are three hard inquires reporting on my credit report that were not authorized by me. I have tried contacting the credit consumers to request for details about the reports but the company was unable to provide me with the information needed to confirm that the inquire were authorized by me. Two of the inquires are from the same company and were reported two days in a role which should have alerted the credit bureau as a red flag. Please see the details for the three inquires below. 

XXXX-XXXX XXXX, 2021 XXXXXXXX XXXX, 2021 XXXX XXXX XXXXXXXX XXXX, 2021

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 2021-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have learned that TransUnion gave out my credit information fraudulently in response to two " hard '' credit inquiries, to an entity called " XXXX via XXXX XXXX, '' on XX/XX/2020 and XX/XX/2020. I do not know who or what this entity is. I have never dealt with it. I have never authorized anyone to give this entity. I have attempted to get TransUnion to remove these inquiries from my credit report via its website, but the TransUnion website doesn't permit anyone to contest false and fraudulent credit inquiries online When I tried to get TransUnion to remove these inquiries via their on-line chat, I was told I had to file a complaint with the police first and mail ( via U.S. mail , no online equivalent ) a police report first. That's ridiculous and contrary to law ; it's THEIR burden ( TransUnion 's ) to prove that they were authorized by me to respond to the credit inquiry. I have attempted to file a complaint with the FTC online but it directed me here.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Re : Requesting a Method of Verification Letter To Whom It May Concern, I recently received an answer to a dispute which state that the accounts XXXX XXXX XXXX XXXX and XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX XXXX XXXX and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). This is a request under FCRA XXXX ( a ) ( XXXX ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA XXXX ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA XXXX ( a ) ( XXXX ). Please reply within XXXX days or delete the items, as originally requested.

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 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I had financed my car through a small loan company in XXXX TX. This co was purchased by One Main Financial office in XXXX XXXX TX, this company has officies all over the USA. In XX/XX/2019 they demanded that I pay them a large sum of money and I explained I did not have the amount of {$570.00} if i remember correctly, the mgr lady said she would try for a modification if i paid. She deposited that check that day, and it was visable in my bank account that day, i called my bank and explained that i had told the company not to cash the check, my bank reversed the payment. XX/XX/2019 they sent a repo guy to take the car, never advised me so I could remove the personal belongings mainly my Bible etc, The call went to the repo dept, never talked to anyone, i did leave my number to call me. no calls was returned. I began looking for a car to drive and found on at a dealership. I purchased that car and notified my ins carrier. I recieved my payment schedule on the auto policy, it was over {$400.00} per month, I called my agency and was told that this was due to an accident and claim filed on that car, I had no accident nor did I file any claim. I called the One Main ofc numbers but got a run arouid about where the car was. After numerous calls I gave up and began working on my ins co for paying the claim on that car, finally reached the reginal mgr in the XXXX area. I explained what had happened and he removed the claim from the ins co data. That brought my payments back to normal. This past month I had to get a new policy and a couple of agencies asked about this claim, was able to obtain a policy through a local agency and payments reasonable.

Company response to consumer: Closed with explanation