vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX incorrectly reported my car lease/loan account as delinquent. The car was returned on time prior to the lease end date and all payments were made on time. In the time of hardship during covid-19, it brought my credit score down drastically and affected my ability to receive a personal loan because of this issue. The bank admitted it was a mistake but never resolved the issue with credit reporting.

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 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
On XX/XX/2020 my husband and I sent {$650.00} to a woman who claimed to have a XXXX kitten for sale. She has an entire webpage and claims to be a breeder of 12 plus years with Marvelous XXXX Kittens. I reached out to her via email to ask about the kitten. She was very prompt and knowledgeable in her responses. Ultimately, after receiving pictures and having all of our questions answered, and feeling comfortable with her, we decided to purchase the kitten, and he was to be shipped to us. We were told to use Zelle for a payment method. I had never heard of this, however, we bank with XXXX and the Zelle option is in their app, which seemed legit. The transaction was made. The next day I received another email from her stating all arrangements had been made and the pet carrier would contact me with delivery. I received an email from someone claiming to be with XXXX XXXX XXXX, stating they had my kitten and were getting ready to fly him from Arkansas but before they proceeded they needed me to purchase an air conditioned pet crate. Options to rent/and or buy one were given in the email. The crates were upwards of {$1000.00}! The email stated that after delivery 98 % of my money would be refunded. This sounded incredibly weird to me and I told the lady that I wasnt comfortable with this and that this wasnt disclosed beforehand ; I had already paid {$650.00}, {$100.00} of which was to pay for shipping. She told me this was the carriers decision and there was nothing she could do. I told her then to please refund my money because I wasnt comfortable with what was going on. She never responded. I sent several emails and she has yet to respond to any of them. Obviously, my husband and I were dealing with a scammer. We filed a complaint with XXXX, because thats what Zelle said to do, that they werent responsible. Our bank got back with us and told us pretty much there was nothing they could do because the payment was made through Zelle, a money transfer service that they back! This is absolutely ridiculous! We got scammed and want our money back and nobody is responsible?! After doing some research, thousands of people are complaining of the same thing when it comes to Zelle, that they claim they arent responsible. How many more people have to come forward and tell about how they are being scammed and Zelle AND their banks are turning a blind eye, before a lawsuit is filed? I am so upset at all of this. I have every single email correspondence, the Zelle transaction and everything. The bank nor Zelle even want it! I have the proof! I even have pictures of the fake website she has created. How many others are there? I just want my money back. My husband and I have XXXX kids and this just isnt right. I need to know what my next step is because Im not letting this go. Its not chump change. Its {$650.00}! Someone has to do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
Property AddressXXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX I took a reverse Mortgage on my home on XX/XX/2014 with RMS. The Reverse Mortgage Company   without my knowledge put forced placed insurance on my property which they than demanded I pay in full or I would lose my home. I did pay them {$4800.00} towards the insurance. I had made a payment agreement with them. They have since sold my mortgage to Celink and are nearly impossible to reach. In addition Celink is not honoring the payment arrangement and I am concerned about being without a home to live in. Plesse advise me as to what I must do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from Phoenix Financial. I reached out to this institution via phone # XXXX XXXX XXXX XXXX twice on XX/XX/2020. The original rep I spoke with was combative, used vulgarity and refused to disclose my account # which resulted to him hanging up in my face. In addition, Rep violated HIPPA by disclosing sensitive information prior to authenticating account fully! I called back a second time and spoke with Supervisor XXXX XXXX and was able to obtain account number. I advised her I do not have an account with Phoenix Financial and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from Phoenix Financial. I  am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing a complaint due to harassment and the lack of professionalism.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I submitted a disputed with Experian credit Bureau, informing them that several items on my credit report was incorrect please review attached document. Mind you, I had to mail the letter twice on XX/XX/XXXX, XX/XX/XXXX and submit a request online on XX/XX/XXXX, before anything was updated. But, it still reflects incorrect information. 

For the following Telephone Number still appear : XXXX, XXXX and XXXX, I do not recognize any of these number and neither of these numbers belong to me. I have asked that no number appear on my credit report, for security reason. They continue to report the wrong information in this section. 

Spouse or Co-Applicant : They continue to report XXXX. 
I have no spouse nor any co-applicant, I am a single female and ask that the following name be removed from my credit report. This is an unknown individual, with no last name on my credit report just XXXX. 


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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested this company remove addresses that I have not resided from my credit report. They have failed to do so and refuse to.

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 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: AR

Complaint narrative:
I bought a my vanilla prepaid Visa card at the XXXX  XXXX. I added {$80.00} to the card at the XXXX  XXXX  register when I bought the card. When I tried to register the the card online it wouldn't let my information go through and wouldnt activate my card it gave me I error message in red at the top of the screen saying to contact customer support. When I called the number that was provided for customer support it said they are experiencing extreme call wait times and I was placed on hold for over a hour. I have tried several times to call them back and they still havent answered their customer care line. I am extremely upset at this company for not allowing me to activate my card. The card is distributed and serviced by InComm Financial Services , Inc. And the phone number for then customer care center is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
As of my statement dated XX/XX/2020 on my citibank double cash back card I had a balance of {$230.00}. This statement explicitly stated I had " Your Cash Rewards : {$200.00} '' ; this balance is what I have accumulated over the years in their " Double Cash Back '' program. This statement stated I had until XX/XX/2020 to make payment. I redeemed the entire " Cash Rewards '' balance of {$200.00} on XX/XX/2020, in addition I sent a payment of {$30.00} on XX/XX/2020 for a grand total of {$230.00}. I then waited for my next statement to generate as my current statement I believed to be paid in full. On XX/XX/2020 I logged into my account online to see what the damage was for the month when a notification popped up telling me I was delinquent and I need to make payment immediately. As a result I scheduled another payment and performed some investigation as I thought I may have scheduled payment for the wrong date or for another account thinking it was this account. I then found out my payments were on time and exceeded the balance of my XXXX statement of {$230.00} as my cash back redemption combined with payment was {$230.00}. With this information I immediately called Citibank to remove a {$29.00} late charge because my balance was paid in full and before the due date. I then was told by the customer service representative " The minimum payment due was {$35.00} and you paid {$30.00}. ". I then replied I redeemed my CASH REWARDS balance coupled with my payment of {$30.00} exceeded the total balance of {$230.00}. The representative then told me " Redemption 's to your statement are treated as a credit and not cash. '' I then replied your signage advertise 's the card as " DOUBLE CASH BACK '', the statement generated says " CASH REWARDS '' therefore when I redeem the value I have earned it should be treated as CASH ; otherwise the card name needs to change as well as the statement wording. I was then told " It was redeemed to your statement therefore it was treated as credit not cash and since you paid {$30.00} and the minimum due was {$35.00} you were late and the {$29.00} late fee was added to your account '' I told the representative you can either remove the unfair late fee of {$29.00} or close the account and the representative closed the account. 

My contention is the card is advertised as being " CASH BACK '' and the statement lists the amount as " CASH REWARDS '' therefore it should be treated as a CASH payment. It is my believe the {$29.00} late fee is unfair and recorded in error since my entire XXXX balance was paid in full with my CASH payment of {$30.00} coupled with my CASH REWARDS of {$200.00}.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union is reporting my name as my maiden name even though I was married XXXX   years ago. I submitted a dispute including a Marriage Certificate, CA Driver 's License and Social Security card, all with my married name, and sent them a dispute by mail asking that they accurately report my name. When their reply came back, it was addressed to my maiden name. They continue to use this name even though it is NOT my name. 

I've already been denied credit because of their inaccurate reporting. I informed them of this and even included the credit denial in the dispute letter I sent. That denial is still on my credit report. 

This is the SECOND TIME I've sent this information to Trans Union. In 2016 I sent my driver 's license, social security card and a utility bill to prove that my maiden name was no longer valid. And they did nothing. 

Trans Union is flagrantly violating the law and their inaccurate reporting is, and has, ruined my chances for credit and caused me severe and grievous harm.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under F

RCA, Section 616, and pursue legal action. -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
We have not received an acceleration letter from the alleged servicer/lender. 

Per the CARES Act " A federally backed mortgage loan servicer is prohibited from initiating any foreclosure process, seeking foreclosure judgment or order of sale, or executing a foreclosure-related eviction or foreclosure sale for at least a 60-day period that began on XX/XX/XXXX. 

We received 2 sets of foreclosure papers, one dated XX/XX/XXXX and another dated XX/XX/XXXX. 

It appears that on XX/XX/XXXX, XXXX  XXXX  purchased the Securitization : XXXX   XXXX from XXXX XXXX under XXXX XXXX XXXX Then it appears that XXXX  XXXX  sold the aforementioned to XXXX XXXX XXXX XXXX XXXX - the investment bank. 

Additionally, the " Trust '' closed on XX/XX/XXXX. 

XXXX XXXX  advised all servicers to cease using their name to foreclose XX/XX/XXXX. 

We have multiple documents that show that there is a zero balance. 

Also, there are multiple pending appeals in multiple courts, yet the attorney law firm, XXXX XXXX XXXX ( part of the LOGS network ), using XXXX XXXX XXXX XXXX XXXX 

I am/was in a bankruptcy case. The Chapter XXXX Trustee ( office ) entered my unauthorized signature on a confirmation of my Chapter XXXX plan. The Chapter XXXX trustee openly admitted that the endorsement was a mistake. The Bankruptcy Court - still allowed the Chapter XXXX Trustee to withdraw and vacate the plan -- outside the allotted fourteen day window, Also, the former defense attorney ( no longer with the law firm ) entered into the United States Bankruptcy Court - an alleged 9-page promissory note. 

Eventually, the Court provided me with a certified copy of this 9-page promissory note. 

BUT, here 's the crux - I was not at closing - I did not sign a deed of trust or a promissory note -- We have also researched and learned that the alleged notary public was not a notary - at the time ( XXXX ) There are illegal documents recorded in our local County recorders office. 

My automatic stay continues to be violated. 

There remains an active XXXX XXXX on our property. 

Yet, XXXX XXXX XXXX is scheduled to foreclose on our property illegally on XX/XX/XXXX. 

The deed of trust and the promissory note is voided ab initio. 

There is so much more to this story - but this illegal sale needs to be stapped. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am experiencing continuing service problems with PayPal. I have filed several complaints previously about the same XXXX thing, they have responded, apologized and now are doing exactly the same. Adding money to my VERIFIED PAYPAL ACCOUNT IN GOOD STANDING, from a CONFIRMED AND ACTIVE PREVIOUSLY USED BANK ACCOUNT is being blocked without explanation and for no reason. I tried numerous times with the same XXXX error message as several months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested this company remove addresses that I have not resided from my credit report. They have failed to do so and refuse to.

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 2020-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a prepaid XXXX card for unemployment benefits. I have the Bank of America app on my phone but got email that I need to go to website to confirm my checking and routing numbers to have the money transferred to my XXXX account. I can not sign in to the website as it says my security information is incorrect. I have tried to call the telephone number being on hold for over 30 minutes and then disconnected. I have been on hold 5 times now at all different times during the day. Now I am not even able to hold the recording simply says they are too busy. I have money in the account that I am unable to access. I have written two emails to Bank of America detailing the problem and received instructions to call the same number that I have been calling all week.

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 2020-04-21 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 EXPRESS COMPANY
State: MD

Complaint narrative:
I was an employee of the non-profit organization, the XXXX XXXX for XXXX XXXX ( XXXX ) from XXXX. I was laid off XX/XX/XXXX, but the company retained me as a consultant on an as needed basis. I surrendered my bank cards, credit cards, checkbooks, keys, and all other company property at this time. I notified the banks and credit card companies of my departure and gave the names of the current officers of the Board of Directors for them to speak to. I also tried to get the company to take all the accounts, including the corporate AMEX card, out of my name and into a name of one of the officers, per the bylaws and also since I was not an employee any longer. The Board refused to take the card out of my name. I have this documented in email correspondence. Since then, I have learned that the AMEX account was charged off. 

In XXXX, XXXX hired an attorney, XXXX XXXX, to manage its debts, which included the AMEX company card. We verified with AMEX that I never signed a personal liability form, and the card has always been used for company purchases. I have an email thread where he has reached out to a representative at AMEX multiple times verifying that the card was a company account and that the organization does not hold me personally responsible for the debt on it. 

The Board Treasurer and Accountant approved and reviewed all purchases, which were reported at the Board meetings, so there is documentation that the purchases have always been for the company. 

I just discovered that the XXXX AMEX card has since been charged off and reported on my credit score that I am responsible for the $ XXXX amount that was used for the company.

Company response to consumer: Closed with explanation