vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XX/XX/XXXX I was forced to sign a promissory note that required I pay a reduced debt of {$26000.00} at XXXX month no interest so that a short sale on my property could be completed and my XXXX clearance as a XXXX XXXX in XXXX XXXX XXXX , would not be in jeopardy. The property sold for {$280000.00} but the original purchase price in XX/XX/XXXX was {$400000.00}. I had a XXXX XXXX arm loan originally with XXXX good until XXXX but soon after the loan was transferred to XXXX XXXX XXXX during the financial crisis. In XXXX I refinanced the smaller part of the loan ( XXXX ) with XXXX XXXX to keep the interest rate stable. ( It previously a HELOC with XXXX ) Unfortunately, the market bubble broke in XXXX and the Value of my property plummeted. I made a request in XXXX to XXXX XXXX to reduce my obligation in XXXX but I was informed that I must continue to pay this debt monthly and if I were to default I would be held responsible for {$73000.00}. I have been paying on time since the XX/XX/XXXX. This practice of denying Short-sales and requiring customers to sign promissory notes was banned after XXXX. I have email and letter communications from XXXX XXXX XXXX XXXX, XXXX XXXX, that state he would not alter the amount owed on my credit report to reflect this lesser amount owed. My other complaint is that XXXX XXXX received Bailout Monies in XXXX XXXX and XXXX which never had to be repaid according to XXXX. The soldiers and sailors relief act would not protect me as I was commissioned in XXXX XXXX XXXX at the time. I feel that the timing of my situation made me fall into a, predatory gap which allowed XXXX XXXX to take advantage of me. I hope that you can assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I sent to the CFPB a complaint on Credit Reporting. XX/XX/2021. Everything has to do with Wells Fargo. The CFPB has to initiate a standard of protection to the Home Owner at no fault of their own, due to Wells Fargo error, Foreclosures are basically a scam and the only ones who profit are Foreclosure Attorneys and their Mills and the Banks. 

Please review the info I sent today. The other company I mentioned are HOA 's and the Management companies they hire and they are growing in numbers and in strength. They used to be good years ago not anymore. 

What if a bank has one bad loan officer and scams the victims with out knowing it until it is to late. 

My present bank, I spoke with an employee who used to work for Wells Fargo. I told her you don't know me but I was with Wells Fargo and was informed of a certain loan officer who was not suppose to be trusted. I mentioned her name. She informed me, " I heard the same. '' Does Wells Fargo instruct their loan officers to deceive people? 

In the middle of a major dispute with Wells Fargo 's attorneys. My soon to be ex attorney will dismiss himself which saved me the trouble of firing him. He did absolutely nothing. No meeting. Nothing. No counter claim. Nothing. 

My request to CFPB that all foreclosures especially with Wells Fargo, will be mediated with a law clerk with some form knowledge of contracts or some form of fraud. Wells Fargo, breached the contract by posting my payments on the wrong account. Not applying more to principal. Opening an account which I never applied for. The list goes on. 

The number one issue when CEO XXXX said, " There was a glitch in the computer mortgage program '' How can anyone know what that glitch was. How much Wells Fargo profitted along with Foreclosure Attorneys and their Mills from that glitch. 

It will be up to CFPB and DOJ to stop foreclosures and have mediation for those who feel they were truly a victim of Wells Fargo 's Fraud. 

A Criminal Entity.

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 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, a fraudulent charge was made against my XXXX account by a person in XXXX, XXXX. I first learned of this charge on XX/XX/XXXX when XXXX sent an email threatening to refer me to collections if I did not pay. 

After repeated back-and-forth over email and phone, XXXX recognized that the charge was fraudulent ( after I emailed their general counsel and threatened legal action ). They apologized, made a note in the account, and promised not to refer me to collections. 

On XX/XX/XXXX, I received an email from Cedars Business Services attempting to collect this debt on behalf of XXXX ( which has since ceased operations in the US ). 

I provided Cedars with the email correspondence from XXXX with XXXX. Although the amount and transaction date match the purported debt that Cedars is attempting to collect, Cedars tells me that the account number is different and that they will need to investigate further. 

I am hoping that you will be able to help me have Cedars drop the current collection effort. Thanks in advance for anything you can do. I'm attaching my correspondence with XXXX from XXXX and with the Cedars agent from yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
XXXX  is reporting 5 late payments on my credit report when I have not had a late payment since BEFORE my bankruptcy was filed and discharged in 2017. Experian told me Barclays Card is reporting as delinquent and that is the source of the late payments. I have contacted Barclays who refuses to provide me any information other than that they say I owe them {$850.00} and that my account is listed as a collection account. I spoke with multiple service reps and all hung up on me and said they couldnt help me, that I needed to contact the credit collection company. So, I contacted XXXX XXXX who informed me that my account has been closed with their office since XX/XX/2017 and I needed to contact Barclays because THEY are the ones reporting inaccurately to the credit bureau. Barclays will not help me. This debt was discharged in Chapter XXXX bankruptcy in XX/XX/2017. I should not have any late payments on my credit report! Someone please help me deal with this horrible company!

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 2021-06-17 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: Freedom Mortgage Company
State: FL

Complaint narrative:
I have made 8 payments of {$1700.00} through XXXX Bill Pay recorded confirmed payments to Freedom mortgage yet, Freedom mortgage has damaged my 100 % payment history by reporting continuous damaging lies. Dropping my scores down 200 points after decades of caring and making payments 100 % on time. Freedom mortgage for example reported on XX/XX/XXXX to XXXX that the loan # XXXX was delinquent in XX/XX/XXXX, lies again as I have a first payment letter that states XX/XX/XXXX. I am currently paid through XX/XX/XXXX. In addition in a prior complaint in XX/XX/XXXX with the CFPB, a director for Freedom mortgage states he is crediting a unnecessary legal fee of {$950.00}. to add it back on XX/XX/XXXX the last statement populated or available to view as of today XX/XX/XXXX. Where is my XXXX statement? that I should have received prior to XX/XX/XXXX. For over 6 MONTHS Freedom mortgage is purposely damaging my reputation and credit scores for No reason. They get a Direct payment from me and they are not included in any Chapter XXXX. In fact they acknowledge receipt from XX/XX/XXXX by a Mr. XXXX XXXX for Freedom mortgage to the CRPB back then!

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 2021-06-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been trying to contact Transunion for 2 weeks about 3 fraudulent inquiries on my credit report. I have contacted the creditors and have advise them to block the applications attached to the inquiries. I have also requested a fraud alert on my credit report. However, even after submitting my FTC report to transunion, I was advised that the information is not enough to remove the inquiries.

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 2021-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
I was contacted by XXXX and XXXX via phone. It was a recorded message in which I could select a button to transfer to a representative. When I did that the person I spoke with at XXXX and XXXX threatened me and then hung up when I requested a future date call back. I've been requesting pay-off options and have been willing to surrender the vehicle from the start of going into default on this loan / debit. I understand that's not an option and I'm working to get the money to pay this off. However, I do not think its acceptable to be treated as such a way. When I called back this person continued swearing at me using the XXXX  word and hanging up. I'm simply requesting a future date to settle this. I just need more time to get the money. The original loan amount was {$550.00}, they're settlement offer is {$690.00}. However, the person I spoke with at XXXX and XXXX threatened me saying she's removing my number and sending my default to court where I'll be forced to pay over {$3000.00} and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
The chase account jpmorgan is incorrect. They caused the problem with COVID not doing job right I was with them every 15 to 30 days as I was told then in XXXX they were suppose to have a program to fix me pay 3 payments for 3 mos. then it would all correct then. In XXXX I then found out that person never did that correctly or had authority. The Now a lady has all for XXXX a month for 50 mos. auto pay and no interest and in the 3 months. They would fix. Which would be XXXX. I have paid and tried to pay always. Chase messes me over and it has snow balled. I have all documentation. Please help and fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Chime Financial Inc
State: VA

Complaint narrative:
I contacted Chime on XX/XX/XXXX about my cellphone being stolen on XX/XX/XXXX and seeing 2 fraudulent charges pending on XX/XX/XXXX. I was instructed to call back once the charges were cleared which happened XX/XX/XXXX. I was then told I would be issued a provisional credit which could take up to 10 days while the investigation was in progress. I never received the provisional credit and my dispute was denied. Their reason for denying my dispute was because my card was in my possession but the charges/transfers were clearly done through their site/app. They now refuse to reinvestigate my case or compensate me for the fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
TODAY XX/XX/XXXX XXXX time I received an email from Paypal that they permanently suspended my new created account for unknown reason. They said theres a suspicious activity on the card that I used which is link to my 3 different bank accounts This is my Email ID : XXXXTHis account is under XXXX XXXX XXXX but the docs submitted are all mine. I created this account for work related purposes but since hes just starting for work and no government issued ID and needs to create a paypal account I created one for him which includes my ID in it and they are all link to two of my personal phone number and bank but thats all with my permission. 
This 2 accounts are under my name and submitted all my valid ids such as passport XXXX XXXX, Bank statement, Proof of address Selfie picture holding my bankcards. But still I end up in 180 days limitation XXXX XXXX I tried to contact them via XXXX, through chat and email also over the phone and all of them tell me the same thing that this is final and they cant do anything about it. Theres no way of using the money until 180 days. Please help me. Im just using this for work and online purchases. Now they blocked my account I wont be able to receive money from my part time job since It will just gon na add up to my suspended account. I explained to them that and showed all the proof to lift the restriction. I have enough proof to re-review the case but still I ended up with the same resolution. This case really impacted me a lot. I have all the earnings transferred to that new account. And I dont know how to proceed from here. Please help me : (

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
the accounts listed here were reported on my credit report without any authorization, review dentity Theft AMER HONDA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I started disputing this account on my credit report on XX/XX/2021. Experian has yet to respond to my dispute about it, so I sent another one on XX/XX/2021 and again today, XX/XX/2021. The fact that they're not even acknowledging the dispute is beyond unprofessional to a client.

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 2021-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: NJ

Complaint narrative:
Please note that the debt with this creditor, Capital Accounts , LLC, has been satisfied. Creditor refuses to update my credit report to reflect {$0.00} balance. Why hasn't this been updated? I received threatening messages from this company and fear of being sued for a debt already satisfied. A possible judgment will damage my credit for at least 7 years. 

I am afraid in fear of being sued by this company and the potential damage this will do my to credit forever. I need help. Please! This is a medical bill that is no longer relevant in the amount of {$95.00}. This doctor isn't a practicing physician and bill was already paid- being scammed here for bill already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: GA

Complaint narrative:
These CRAs are currently reporting a false and invalid account on my report. The account in question is NOT mine and I have proof.

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 2021-06-17 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: SC

Complaint narrative:
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.

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 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Good Afternoon, NATIONAL CREDIT SYSTEMS Date opened : XX/XX/2017 Person who is Associated is : XXXX XXXX  Asking for amount : {$31000.00} for Original creditor XXXX XXXXXXXX XXXX XXXX Detail : I was not aware of this until recently and XXXX told me about it when I was doing my credit check and I have no idea this happened before and my identification was used and I did not authorize this. I have disputed with expedience few time and they advised me to file FTD and send them the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have had several accounts removed, and Experian is still showing old fraudulent accounts, and my credit score went down when I filled a dispute and never went back up. Ive called, as well sent information that has been requested. 
XXXX, XXXX have removed and scores have increased.

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 2021-06-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted the credit company about the false information that they were reporting on my reports. I feel that I am being taken advantage of and being bullied. The law clearly states that any false or inaccurate information must be removed immediately. I was never notified of any investigation. I will be forced to seek litigation if this can not be handled appropriately

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 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: NJ

Complaint narrative:
On XX/XX/2021 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " Americollect Inc. '' The company received my letter on XX/XX/2021 and someone from the company signed for it. Withing my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I mailed another letter asking for a request validation of the debt they say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: DISCOVER BANK
State: WA

Complaint narrative:
In XXXX, XXXX, I received an offer from Discover about " {$45.00} back when you join XXXXXXXX XXXX XXXX ''. In the offer, it says " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' I did exactly what the offer asked for. However, I still haven't get the statement credit back after 6 months. Then I contacted discover card on XX/XX/XXXX, I was told that I wasn't qualified for the offer because I was an existing XXXX XXXX member and my XX/XX/XXXX transaction was for a renewal of my XXXX membership. However, the CSR stated that without any evidence and lied to Consumer Financial Protection Bureau ( CFPB ). I have contact XXXXXXXX XXXX XXXX  and confirmed that my membership purchase in XXXX XXXX was for a new membership.

Company response to consumer: Closed with explanation