vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GRIFFIN FUNDING, INC.
State: TX

Complaint narrative:
I began the loan process on XX/XX/2020. I started out with XXXX XXXX as my loan officer. I had an in depth conversation with her about my circumstances to ensure there would be no issues before formally applying. I applied and things were moving along fine until the week I was suppose to close. I signed disclosures, locked a rate and was approved by the lender. After all of this XXXX disappeared without notice. After calling over and over, I was finally told she no longer worked with the company. Even tho disclosures were signed I was then told they no longer offered the kind of loan ( for self employed people ) that I had applied for. I was a qualified applicant with a binding legal document executed and yet I after asking repeatedly I was given no real concrete answer as to why my loan was all of a sudden not fulfilled. 

Because this originator is a broker they told me they would " flip me to a new lender '' .I was then made to go through the entire underwriting process again. This took another full month. Once again I met the criteria and was approved. Again I was promised I was going to be able to close XX/XX/XXXX XXXX on the XXXX I was told that my loan wouldn't close " because of Covid 19 ''! They said the lender XXXX Mortgage was not funding loans due to the crisis and was not going to do that type of loan anymore. I talked directly with XXXX XXXX  and they said that was false information. I am writing this complaint because I believe I was discriminated against due to being self employed among other factors. I am requesting this lender been fined, their license be taken away and/or my loan be honored, whatever is appropriate in the case of discriminatory lending practices. I have good credit and met income criteria. Just because I am a XXXX, XXXX XXXX XXXX XXXX XXXX should not mean I can not get a loan like anyone else who is qualified.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I closed a checking and savings account with Chase in XX/XX/XXXX, and left {$1000.00} in each account. I was told these funds, totaling {$2000.00}, would be mailed to the address on file. Those checks never arrived. 

I contacted Chase on XX/XX/XXXX about this issue. I was told, on XX/XX/XXXX, that the original checks would be canceled, and new ones would be sent to the address on file. These checks did not arrive either. 

On XX/XX/XXXX, I passed by the Chase branch located at XXXX XXXX XXXX, XXXX, MD XXXX, United States. The branch manager contacted a service that supposedly resent the checks again. Today is XX/XX/XXXX, and I have not received the checks. 

Today, XX/XX/XXXX, I contacted customer support by phone ( I contacted online customer support earlier, and was asked to contact the phone service ). The senior account manager I was redirected to informed me that the only thing he could do would be to send the checks for the fourth time. Despite my repeated requests toward a different solution, including contacting someone that could look into the issue more closely, I was repeatedly told that the only approach would be to resend the checks for the fourth time, thus repeating the same procedure but expecting different results. 

It has now been more than 3 months since I closed my accounts, and I have yet to receive the 2 checks. The first one is in the amount of {$1000.00}, and the second is in the amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
I financed the XXXX XXXX at the end of XX/XX/XXXX, it is now the end of XX/XX/XXXX. I have received 4 notices ( I have had the truck for 6 months ) from MAS Financial Services claiming that MAS Financial Services is not listed as the Loss Payee on my insurance, which has been current since the day after I purchased the vehicle. The notice also states that if I do not fax a current declaration page within 7 Days they will add coverage and charge my account, Increasing my monthly balance. After each one of  these notices I have contacted my insurance agency XXXX XXXX XXXX and they have confirmed that MAS Financial is listed as a Loss Payee. XXXX XXXX XXXX even let me know that MAS Financial returned an acknowledgment in return stating that they received the Declaration Page. I should not be harassed by MAS Financial on almost a monthly basis into sending them a current Insurance Declaration Page ( that hasn't changed and is still current ). MAS Financial is betting on the possibility that I ( XXXX Year old young man ) may not deal with their threat, in order to get more money out of me. In addition the notice I received Monday XXXX had a falsified date on it of XXXX, the same date as the notice I received the month prior. I am only attaching 3 of the 4 notices I received as I have misplaced the original notice i  received just after purchasing and insuring the truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: NH

Complaint narrative:
Complaint summery Trans Union has failed to respond to written disputes in 30 days. Trans Union has failed to verify and validate inaccuracy 's on my credit report. I am requesting to have these immediately removed.

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 2020-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 we noticed unauthorized charges on our business account in totaling {$22000.00}. We immediately called our banker XXXX XXXX to advise him what happened. Upon further research it was brought to our attention 3 individuals names had been added to our " Direct Deposit Recipients ''. The names are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. We have no idea who these individuals are and how they were able to add themselves to our account to be paid. The individuals paid themselves different amounts. XXXX XXXX XXXX {$3500.00}, XXXX XXXX XXXX {$15000.00} and XXXX XXXX {$3500.00}. We have gone back and forth with BB & T ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX P ( XXXX ) XXXX ) with absolutely no resolution. The minute we contacted them which about the situation, which was the same day, they should have froze the funds and this was not done. We have only received {$3000.00} out of the {$22000.00} that was fraudulently taken from our account. This is absolutely unacceptable. We have been told that there is nothing they are able to do. How is it that my company is out {$19000.00} and nothing was done. 
Our company name is XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Cashier check was sent to Capital One with certain stipulations. I have contacted Capital One regarding this matter and also filed a complaint. Capital one did not honor the agreement and also sold the account to another creditor while I had a written agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My TransUnion score is XXXX. My XXXX  score is XXXX. Last check XXXX   went up 5 points, TransUnion went down 46 points. Why? There is nothing listed to show such a sharp decline.

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 2020-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
On Monday, XX/XX/2019 around XXXX, I was trying to help a friend get XXXX home from work because they were stuck. I had told them I would be willing to help them out by sending {$15.00}. I planned on sending the XXXX dollars through cash app, but I mistakenly ended up sending {$1500.00}. I messaged the person and requested the money back from this person but they only sent me back {$500.00} at XXXX. So I requested {$1000.00} back but they declined my request. I then began texting them requesting for the money back but received no response. I immediately proceeded to contact cash app as well as XXXX, my bank because this has over-drafted my account - {$900.00}. My bank, told me they would give me my money back within 3-5 but theyd have to wait till the payment was done processing to start an investigation and file for a claim.Today, Thursday, XX/XX/2019 I received an email from cash app saying there was nothing they could possibly due because the payment had already been processed and the person had withdrew all the money from their account. As well as my bank emailing me about my claim saying that it has been declined. I went to the police station to file a report but unfortunately there was nothing they could do. I still have bills to pay, food to buy but I am unable to do all of this because my check was already deposited into my account. With this pandemic going on it has made things very hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I set up a PayPal account XXXX and as soon as I received the money in my account {$1500.00} they permanently locked me out during the coronavirus crisis making more stressful to take care of my family telling me I can not recieve my money for 180 days. They told me I had 2 accounts that I owed amounts on and that if I paid then that would restore my account and I would have complete access to my funds {$1200.00} after making accounts current which I did no questions but as soon as I paid the locked me out. If i cant use PayPal then why allow me to make an account verify me and then keep my money. I'm not a seller this was only a transfer ONLY. Legally they are not a bank and can only hold funds up to 21 days by law. Now they wont respond of give me my money nor an explanation. They can not keep anybodys money it is not legal. And with this crisis I should not have to apply for government assistance when I legally have my own money they will not give me. I also have photos of conversation with PayPal telling me if I make old accounts current that they would give me access to my money in that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
A fraudulent account from Discover Card is reporting on my credit. I did not open this account nor did I live in the State of California in the year 2018. I live in the State of Louisiana. My address at the time this account was open was : XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: OH

Complaint narrative:
I do not know what kind of games this collection agency is trying to play. I requested a signed credit agreement and I did not receive that. XXXX  sent me copies of some statements and the statements were not the originals but nonetheless I requested THE SIGNED CREDIT AGREEMENT BEARING MY SIGNATURE. XXXX  closed the accounts but did not remove the accounts. The accounts need to be removed NOW! The accounts are fraudulent! No one has provided me with nothing with my signature. I have requested this information numerous times. I have seeked legal representation a consumer attorney for legal advice. If this goes to court XXXX  will have to show a signed agreement with my signature and a host of other paperwork. I also need details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I emailed XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I can prove that XXXX  responded that they received my emails but did not send the information that I requested. REMOVE IMMEDIATELY the three accounts on all 3 credit reports. This is not a duplicate complaint. Please do not send me a email stating this complaint is closed due to it being a duplicate. This is not a duplicate!

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 2020-03-27 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: EQUIFAX, INC.
State: NH

Complaint narrative:
Equifax has failed to verify and validate inaccuracy 's on my credit report. I am requesting to have these immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
This account is no longer in active state it expires XX/XX/20 and should be removed from my act. Consumer still have active on the account as open charge off and account again should be closed and removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I am trying to have my student loans with Navient deferred for 6 months per the new stimulus package which passed this week. The customer service representative stated the loans were now " Navient Federal '' loans not just federal loans, and therefore only qualify for a 90 day deferral.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have been a Walmart credit customer in good standing since 1976. Capital One bought out XXXX XXXX  Walmart charge accounts. When I received their letter informing me of this fact, I tried to establish an account with them online because I pay all my bills online. It took 5 weeks of phone calls to determine they did not have anything about me correct in the transferred record. At this point, they started treating me like a criminal in identity theft! For another 2 months I tried to reconcile with them but they never responded to letters ( which they require for disputes ) They made countless mistakes with my personal and banking information, each time charging me a fee and interest on those fees. In a timely manner, I paid all outstanding charges on my Walmart credit card, but I ignored their fees because they should never have been applied! Over a period of 4 months, I wrote 5 letters ( never a response from them ), and a total of 12 hours on the phone trying to get this resolved. In my last conversation, an employee saw their mistake and agreed to cancel the returned check fee and late fee for that month, but refused to refund all other late fees and interest that had been applied. The problem with that is that by then, I had a XXXX  balance owed and subsequent fees and interest were calculated on their mistakes. After 2 months of this mistreatment, I cancelled the card and have not used it since. They refuse to do the right thing and cancel this out. They just keep sending me invoices with more fees and interest. Not one single dime of the outstanding balance is legitimate. Practices like this should not be permitted!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
the collection company named : XXXX XXXX XXXX XXXX has falsely reported collection on my name and they don't if they really have my social security number? 
I contacted the Original creditor reported on their claim and they are not aware of any collection on my name meanwhile I am a month to month membership and I have ALL the receipts of my up to date payments I contacted the agency XXXX XXXX XXXX and they still did not remove the information from my credit report This is really false and it hurt my credit rating too much without any fault from my side Please I need this information to be removed from ALL my credit reports and I need to know if this company has my social security number and how they get it Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The accounts on my credit report are unverified and unauthorized and the credit bureau continues to report this information

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 2020-03-27 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:
I tried to remove unverified and unauthorized accounts on my credit report and the credit bureaus continue to report the information

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 2020-03-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried to remove unverified and unauthorized accounts on my credit report and the credit bureaus continue to report the information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I was in desperate need of a vehicle and the dealer convinced me accept a loan from XXXX XXXX XXXX for $ XXXX/month. I was told i could refinance in 6 months. When I attempted to refinance I was told by XXXX XXXX that refinancing wans't an option or a service they offered. I struggled to try and make the payments on the loan but it was repossessed in XX/XX/XXXX. 

I have been trying to correct this matter and since I have started appealing the report for the balance owed, after the vehicle was sold at auction ; XXXX XXXX XXXX has in retaliation, started reporting to the CRA as a charge off every month. My accounts now show 16 charge offs, since I am refusing to settle for their intimidation, They still call me and my relatives daily. 

I have mailed the attached letter to XXXX XXXX XXXX and I am prepared for my attorney to follow up.

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I was in desperate need of a vehicle and the dealer convinced me accept a loan from XXXX XXXX XXXX for $ XXXX/month. I was told i could refinance in 6 months. When I attempted to refinance I was told by XXXX XXXX that refinancing wans't an option or a service they offered. I struggled to try and make the payments on the loan but it was repossessed in XX/XX/XXXX. 

I have been trying to correct this matter and since I have started appealing the report for the balance owed, after the vehicle was sold at auction ; XXXX XXXX XXXX has in retaliation, started reporting to the CRA as a charge off every month. My accounts now show 16 charge offs, since I am refusing to settle for their intimidation, They still call me and my relatives daily. 

I have mailed the attached letter to XXXX XXXX XXXX and I am prepared for my attorney to follow up.

Company response to consumer: Closed with explanation