vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanSnap, Inc.
State: SC

Complaint narrative:
Went online to look for best rate available they advertised a 30 year fixed rate on lending tree at 1.99 % APR. XXXX XXXX app took me over to LOANSNAP to apply for the loan. I wanted a lower rate and I wanted to remove my PMI form my loan. I have excellent credit and I have very good income. I am in the mortgage business. 

What they are doing is a classic bait and switch. 

I spoke with XXXX at LOAN snap by TXT  and he went on to advise me that they do not update their rates at Loan snap on the l XXXX XXXX  porthole for months and that that rate is not available to anyone. To be able to speak with a loan officer h you have to upload your w2 's paystubs, mortgage statements, and insurance information. Last txt I received was that they didn't have any programs that would provide a tangible benefit for me. 

Twice in the txt I had with them they say their rates they advertise are not current and not currently available. 

They completely wasted my time and they do not have the products they are advertising.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
over XXXX dollars is being held because at some point in time in the next 6 months there may be a charge back, this is absurd and fraud, They Don't want us to XXXX XXXX  fine I am An XXXX  ( means federally licensed to XXXX XXXX ) and have been for the entire time I was a customer, if its a problem now that's fine there are other services that aren't run by communist, I'm a XXXX   % XXXX veteran and you are purposely and directly harming me both financially and emotionally this is terrorism and probably racially motivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: Global Lending Services LLC
State: VA

Complaint narrative:
On date XX/XX/2019 Global Lending Service pulled my credit without my authorization from XXXX. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with Global Lending Service Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
XX/XX/2021 I clicked a phishing link saying my Coinbase account was compromised. I reset my password on the internet browser link and then logged in on the app where I saw different tokens being converted into Bitcoin. I called Coinbase to freeze my account and did it virtually as there are no live people. I got an email saying my funds were frozen. Then I got an email saying all of my funds were transferred out into a different wallet. I did not do any two factor authentication as I am supposed to. I did not authorize any funds transferring out. I also did not authorize any computer besides my phone to complete any transaction ever. Someone took around XXXX from me, which Coinbase shouldnt have allowed within seconds of a password being changed. They also could have reversed or stopped this as I was on the phone within seconds of changing my password. I have contacted them repeatedly but it has been over two weeks now without any personalized response or acknowledgement. They said they transferred my case to a specialist and are not responding to any more emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have received new social security number. Previously I was using Individual Tax Identification number ( ITIN ). American Express is still using my ITIN even though I have requested them to update my new social security number in my records. I have mailed them cover letter, photocopy of SSN, photocopy of Drivers License and the documents were delivered to Amex at XXXX XXXX, TX on XX/XX/2021. I have called AMEX customer service to know if my social security number is updated. I was told that they have received my documents. But still my records are not updated with my social security number. Due to this, I am not able to get my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Im not sure that you were the right agency but Im sure you can direct me to who I need to contact for over a year I have been trying to end an account with Wells Fargo advisors even submitted a XXXX complaint about Wells Fargo advisors solutions! They continue to bill me annually and have made it impossible to close my own my own account that Ive had with him for over a decade. They keep moving my advisor out of Nevada in two different states I have worn them for many years if they continue to do this Im going to close the account now they have refused giving me all sorts of runaround.

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 2021-04-21 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
When I opened my credit card account back in XXXX. I was promised XXXX miles. I only received XXXX miles. I just traveled to XXXX last week and I heard the flight attendants advertising the same promotion of XXXX miles for opening up the same credit card. So I took the same application I filled out in XXXX. I have it here in front of me. Sure enough in the fine print, it says I am to receive XXXX miles after a net purchase is made within the first 90 days of your card account open date. Ive talked to both Barclays and XXXX XXXX. They both refer you to the other and point the finger at the other. My wife and I both heard the flight attendants say XXXX miles on both our XXXX flight ( when we opened the credit card account ) and our flight this month. To take it a step further, XXXX is advertising XXXX miles on their in-flight entertainment and on small billboards inside airports. I will enclose pictures I have of their advertisements and what is printed on their credit card applications.

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 2021-04-21 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: CA

Complaint narrative:
There is one account on my credit that is not mine I need this off my credit report since it does not belong to me in any shape or form I have not applied signed or used an account like this. 

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 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TN

Complaint narrative:
Subject : XXXX XXXX XXXX ; XXXX Claim Ending # XXXX ; Missing XXXX $ in Next Day ACH Transfer. 

I initiated a next day ACH Transfer from my XXXX XXXX XXXX Checking Account on XXXX XX/XX/2021 to TransferWise Business Checking Account but it never got deposited into Recipient 's account. It has not credited back to my account either. 

After further investigation, we noticed the TransferWise account number in the transaction is incorrect and XXXX XXXX XXXX requested for a Recall of the funds. 

It has been almost 30 days now but no update on where the funds are from both the financial institutions ( XXXX XXXX XXXX & TransferWise ). 

I created one claim with XXXX XXXX XXXX ( which was not approved ) that has all the information and multiple tickets to TransferWise on the missing funds but nothing worked till date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CA

Complaint narrative:
There is one account on my credit that is not mine I need this off my credit report since it does not belong to me in any shape or form I have not applied signed or used an account like this. 

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 2021-04-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is one account on my credit that is not mine I need this off my credit report since it does not belong to me in any shape or form I have not applied signed or used an account like this. 

XXXX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Rent recovery solutions/ XXXX XXXX XXXX, XXXX XXXX XXXX , GA XXXX is still calling my phone harassing me about a debt collection I do not own. I asked this company for debt validation and to this day they have failed to validate the debt they claim I owe them. Its been over 3 months and still no debt validation letters. This company flagged XXXX to have this collection placed in my credit file. I have good credit and all on time payments in my credit file and this company is making my character look bad. I know my consumer rights and this company is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group
State: TX

Complaint narrative:
On or about XX/XX/2019, I contracted with XXXX XXXX to build a deck. XXXX XXXX advised me that the deck would cost {$10000.00} and available financing through Foundation Finance. I requested an itemization from XXXX XXXX. but never received. The deck began falling apart. I advised Foundation Finance of the problems and also asked for the price of the deck. FF refused to provide this information. I tried several times to work this out with Foundation Finance who refused to assist and instead continued to request payment. Finally it became useless. 
I just discovered that the deck actually cost {$2500.00} instead of {$10000.00}. I believe FF was a part of this scam with the contractor as FF refused to look into this matter further. Due to this major scam and discrepancy, I am left paying for a deck that is only worth {$2500.00}. The finance charges will cost the loan to double which is certainly due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
They opened a membership in my name with XXXX and charged amounts to these companies : Afni, Inc {$1400.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$490.00} Opened XXXX XXXX, XXXX U S DEPT OF ED/XXXX {$1200.00} Opened XX/XX/XXXX This whole membership under my name is fraud. All charges to my name were not confirmed by me. There are different addresses and numbers registered as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: GA

Complaint narrative:
Elevate Recoveries LLC XXXX XXXX XXXX XXXX. 
XXXX TX. XXXX Placed a fraudulent medical collection debt on my XXXX Credit Report. I have never been notified by the accuser that I am obligated to render service to any debt as is required by Federal Law. If I had been, I would have promptly disputed the debt as is my legal right and demanded full " Validation '' of the debt in question. Attention not to confuse legal " Validation '' with mere " Verification '' under the law as the demand of the former outweighs the latter. This alleged debt was never bought to my attention because it is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank closed my bank account because of the SBA loan. Chase holds the fund and never send it back to SBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
i am a XXXX of XXXX.Ms XXXX present to my office for treatment on XX/XX/20 for XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX i offered her a XXXX XXXX XXXX for XXXX which she agreed to and signed all the relevant paperwork.ms XXXX treated from XX/XX/20 to XX/XX/20 of which Care Credit funded the treatment to the amount of XXXX ms XXXX then told care Credit she didn't agree to the treatment, after receiving 14 visits with all the daily SOAP signed by her, then Care Credit issued a charge back on my Account and the money ( XXXX ) was withdrawn from my Account I would like care credit to reimburse me in the amount 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 2021-04-21 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: NV

Complaint narrative:
On XX/XX/2021 I contacted TransUnion by phone and did write a letter to initiate a dispute about inaccurate information they are reporting about me. I was not given the opportunity to initiate a dispute but Instead, I was told by the representative to contact the six financial institutions who placed an inquiry on me and request that they send TransUnion a letter of dispute inquiry. I know that according to the FTC rules, TransUnion is supposed to personally investigate and initiate a dispute on my behalf with these six financial institutions when I bring to their attention that they are reporting inaccurate information against me. To this date, I have not had a response from TransUnion and I would like them investigated my disputed inquiries. TransUnion is reporting in accurate information about me that is affecting my credit score and refusing to investigate the inaccuracies I have brought to their attention. I did not authorize these financial institutions to run inquiries on my credit. These inquiries should be removed from my credit report. I should be given a fair chance to have these inquiries investigated and 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 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I received a mortgage statement from XXXX XXXX d/b/a PHH showing a fee of {$550.00} was due. In XX/XX/XXXX I paid {$650.00} for attorney fees ; I was told by PHH Rep the payment went into a suspense account. Each mortgage statement requested a payment of the fee of {$550.00}. In XX/XX/XXXX, I paid the fee again, this time writing on my check specifically the payment intent to pay attorney fees. The check was cashed. In XX/XX/XXXX, my statement still showed a line item that I owed {$550.00} ( fees ) and requested that I was due to pay {$1800.00} ; although it included my current mortgage amount of {$1200.00}. In XX/XX/XXXX, I contacted PHH and was told the fee was credited to the suspense account and a reversal was being sought to apply the payment accurately. The resolve will correct the mortgage statement. This went on for an additional 5 months ; statements from the mortgage company requesting I pay {$1800.00} including a {$550.00} fee and my current mortgage amount of {$1200.00} although I was told the issue had been corrected. Also in XX/XX/XXXX, I received a letter from XXXX XXXX/PHH stating as of XX/XX/XXXX the funds ( {$550.00} ) were applied to the fees, and the mortgage statement would be corrected beginning XX/XX/XXXX. 
In XX/XX/XXXX, I contacted PHH 's escalation department without resolve. The mortgage statement still representing a payment of {$550.00} was due to XXXX XXXX/PHH. 

To date, each month I receive a mortgage statement requesting an additional {$550.00} for fees that I have paid twice already. The mortgage statement each month is inaccurate and I have exhausted any possible remedy within PHH. Hence, my complaint..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
Paramount Recovery Systems XXXX XXXX XXXX. 
XXXX XXXX XXXX TX. XXXX Placed fraudulent medical debt on my XXXX & XXXX, credit reports. I have dispute this fraudulent information with both agencies. Paramount Recovery never contacted me directly as required by Federal Law, concerning this alleged debt. I would have disputed the debt in question and demanded full validation as is my legal right under the law. This alleged debt can not be legally Validated as mere verification is insufficient under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There is one account showing on my credit report that looks like a collection and it does not belong to me I have reached out to the furnisher as well as the bureau reporting this and I have received no response back I need this taken care of ASAP. 

XXXX Acct # XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This may not be a legitimate " complaint '' per se, but merely a request for clarification and/or explanation. 

Due to exigent circumstances ( medical and vehicle repair expenses ), my overall credit use increased by a little over {$1100.00} last month, As a consequence, on XX/XX/XXXX my credit scores at Equifax and Transunion incurred a 17 point hit/drop. 

On. XX/XX/XXXX, I paid down those balances by XXXX and my scores rose only 1 point! 

On XX/XX/XXXX, I paid down another {$200.00} XXXX for a total of {$740.00} in 3 days ), and my score rose only 1 point, again! 

As I've paid nearly 70 % of the debt increase that cost me 17 points, why hasn't my score rebounded by commensurate amount - to an increase of 12 points??? 

My XXXX Credit Score remains at XXXX, XXXX, or XXXX, depending on which other bureau or creditor I view. 

My Score Rating is " Good '' Payment history rated " Grade A - 100 % '' Account Mix - Credit Age - Inquiries are all also rated " Grade A '' Credit Usage alone is rated " Grade XXXX  '' ( 67 % ) Why the disparity in scores, and - most egregiously - WHY DO MY SCORES RISE SO LETHARGICALLY AS COMPARED TO THE SUBSTANTIAL - AND IMMEDIATE - DROPS? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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:
There is an account that has been on my credit for a long time that absolutely not be there. I have no contracts with the company and did not agree to pay any money to them. I believe, that I couldnt owe this much. I know that mistakes happen on peoples credit reports, and I am quite certain there is a mistake. I believe that someone used my name. 
I think that I may be a victim of identity theft.

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