vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MS

Complaint narrative:
Fay Servicing LLC has continuously ignored the letters and notices that have been sent to them. We have sent multiple letters in XX/XX/XXXX and XX/XX/XXXX, in which they have completely ignored or sent back. As I told Fay Servicing before, this was not an attempt to not pay the mortgage, this was an attempt to see exactly where the money I have paid is being applied to? I received a letter around XX/XX/XXXX to inform me that my payments would go up almost 50 % from {$700.00} to {$1100.00} and can not find that information from the " contract '' that they sent when I asked. That is not giving full disclosure to the consumer and that is against the law. They have sent people I do not know to take pictures of my house, they have reported information on my credit report, that is adverse action. It seems they are trying to take advantage of me in this situation instead of providing the information that I asked. When asked who is the " owner of the loan '' no information was given. Those are elements of fraud and I feel that Fay Servicing is extorting me for a debt that they can not and refuse to verify. I received a letter on XX/XX/XXXX stating that they have hired a foreclosure attorney when they have not provided any information that I have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX account # XXXX ( XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX account # XXXX ( XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-23 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: MD

Complaint narrative:
XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX These Inquiries are reporting on my personal credit file with ( XXXX/TransUnion ) credit reporting agency . These Inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

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 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXXXXXX XXXX {$36.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
To my recent complaint to Capital One that it does not provide the same level of services to consumers who do not communicate via telephone, Capital One responded : " Capital One is committed to providing accessible products and services, and we believe in financial independence for everyone. We wanted to let you know that we can provide reasonable ADA accommodations as needed. Please know that one option for closing accounts by phone, is by speaking with one of our associates using a relay service. Keep in mind that you may also be able to use a relay service through the internet rather than telephone, known as Internet Protocol ( IP ) Relay Services. For more information on IP Relay Services, please visit http : //www.fcc.gov/guides/internet-protocol-ip-relay-service. We can also be reached using the free National Relay Service by dialing XXXX. '' Capital One response indicates a certain level of disregard to the needs of a minority group of consumers who prefer not to communicate via telephone neither by using vocal chords communication methods nor using any relay services or teletyping. 

Capital One representative responding to the complaint manifested arrogance and unawareness when addressing the issue. The alternative methods that Capital One representative suggested are not appropriate for all consumers and represent a significant burden for many of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received a credit card with account deposit slip from Chime. I did not open this, it is fraud. I contacted chime at support.chime.com to close out the account, the number listed no one picks up. 

phone number is XXXX The card number sent to me is # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony Bank refuses to provide account agreement. They've never sent me any agreement, and have refused to provide me my signed agreement, and have hung the phone up on me when attempting to call.

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 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX, someone, most likely a PayPal employee, accessed my account, linked a new XXXX XXXX account, and transferred {$28000.00} to that new XXXX XXXX account. I notified you of the unauthorized transfer immediately on XX/XX/XXXX and also notified XXXX XXXX of the unauthorized transfer. XXXX XXXX restricted the account as an identity theft account, and requested instructions from PayPal to return the funds. PayPal refused to acknowledge that the transfer was unauthorized, and therefore refused to provide instructions for XXXX XXXX to return the funds. After almost 2 months, and dozens of phones calls, and countless hours of hold time, by myself, and Detective XXXX of the XXXX, XXXX Police Dept, PayPal finally informed me that you have provided instructions to XXXX XXXX to return the funds. 

XXXX XX/XX/XXXX, XXXX XXXX transferred {$27000.00} back to PayPal. As of today, XX/XX/XXXX, PayPal has yet to return the funds to my account, claiming they can't find the funds. That is obviously not credible. The instructions that PayPal sent to XXXX XXXX would include the beneficiary of the funds to be returned, with my name and account number, etc. It is not credible that {$27000.00} was transferred back to my PayPal account, yet PayPal can't find the funds after 2 weeks of searching. 

PayPal has done everything possible to avoid returning money stolen from my PayPal account, back to me, even with the money still sitting in a XXXX XXXX account ready to be returned. Now that the money has finally been returned to PayPal, PayPal is pretending you can't find it!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
I had bought a brand new Toyota XXXX not too much later I think like three or four months later somebody hit me and my car was totaled out I tried to use the gap insurance but they said it didnt cover something Im not even sure what but I tried to get Toyota to take care of it and the problem was like 1200 or {$1800.00} difference that I still had to pay but I tried to get the money back from all the services or product state sold me that I wasnt even aware of the money back from all the services I didnt use to cover the rest of the loan payment I guess and Toyota never responded to me they just kept putting me off putting me off putting me off its XXXX Toyota XXXX XXXX XXXX XXXX XXXX in XXXX Wisconsin I tried my hardest to get them to rectify the situation because it was damaging my credit and to this day I call them literally every 2 to 3 months to find out if they are going to fix it and they still have not gotten back to me please help I need my credit fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Global Lending Services LLC
State: GA

Complaint narrative:
My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX and XXXX bureaus in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed indicated in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: V and H Portfolio
State: TX

Complaint narrative:
I received a letter from Vance and Huffman saying I owe a debt. I disputed the account in question and did not hear back from them. I found out today that there is a collection on my credit. Called them and a person answered stating they are with a law office and her name and how she may direct the call. Come to find out that they are not a law office but in fact a third-party debt collector. Spoke to XXXX XXXX and he gave me the login to look at the documents. In the document list is a Credit Disclosure that is not even for me. This concerns me because I have no relation to this person and makes me worried about what information of mine has been leaked to others from this company. I brought this to the attention of XXXX XXXX and he boastfully denied that this ever happens, and they do not make mistakes. I have the screen shots of it showing on the portal. They are not willing to remove the account from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
on XX/XX/XXXX, I called to have Genesis FS Card Services aka Milestone Mastercard removed the XXXX annual fee for this year and close the account so that I can pay the balance off and the customer service representative refused to removed the fee and close the account citing that I used the card at a vendor. I informed the representative that I used the card at XXXX on XXXX and the fee was placed on the card XX/XX/XXXX which is after the charge. I asked for a supervisor and the representative dropped the call. I want the company to remove the fee, close this account so that I can pay the balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AR

Complaint narrative:
Hello, I submitted my PSLF paperwork to fedloan in XXXX. In XXXX they approved 83 payments. They did not include payments I made from XXXX XXXX XXXX while I was working for the XXXX XXXX for a member of XXXX and that employment was also not listed as an approved employer. I have called FedLoan 3 times but they tell me I need to wait to for the waiver to be applied. But these payments arent part of the new waiver and should have already been counted. I submitted a complaint through studentaid.gov on XX/XX/XXXX. Their website says 15 days and I should hear back but I called at 15 days, 30 days, and again today at 35 days and they still have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I have been trying since XX/XX/2021 to obtain a VA Disaster Modification OR a VA Covid Partial Claim. NO ONE and and I mean NO ONE has tried to help me get my mortgage back on track and I have never been able to speak with a supervisor or my dedicated Loss Mitigation representative to obtain assistance with this matter. It seems that your company wants me to go into foreclosure and lose my home. This is very disappointing. 

I have tried to appeal the VA Disaster modification decision and explain that I can make the mortgage payment even if the payment increases but NO ONE has offered to assist me. I have asked for a VA Covid Partial Claim and NO ONE has submitted the request for review. I am told that I must submit a full Modification Application with all documents to be considered for loss mitigation options. But, when I speak with the VA Regional Office they said there is a streamline ( no document ) option for VA mortgage borrowers that does not require a modification application. Again I can not get any remedy with your company because NO ONE is calling me to provide me with clear instructions on how to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have been disputing the late payments showing on my account for XXXX XXXX XXXX which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MD

Complaint narrative:
XXXXXXXX XXXX XXXX XX/XX/2021 ; ThIS Inquiry is reporting on my personal credit file with ( Experian/XXXX ) credit reporting agency. This Inquiry was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

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 2022-02-23 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: TX

Complaint narrative:
The Address listed below doesn't belong to me and I have Never lived at the address listed below. Please Delete it from my credit report once and for all! 
Unknown Address - XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2022-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX and XXXX opened a Genesis Financial Services account when I was purchasing furniture I had a account already with XXXX so Im not sure why they opened the second account but I disputed with credit bureaus and it was closed in XXXX but reopened by Genesis in XXXX I have disputed 3x with credit bureaus but Genesis XXXX rains the account When I call Genesis they tell me its closed but its still o my credit report as open for {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a Barclays credit card in the last 6 months. So Barclays Inquiry on XX/XX/2022 is not resulting from my personal action.

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 2022-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IA

Complaint narrative:
Since XXXX I have been waiting on response on my discharge application. A month ago they erroneously deemed my application incomplete based on not having accounting transcripts that were in fact provided to them Nevertheless, I paid to have official transcripts sent and still have not heard anything back. Its been one thing after another and its ridiculous - not to mention these erroneous loans are causing strife as I am a single mother. This is unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I bought an item that required I wire the money to the other which is XXXX XXXX for XXXX on XX/XX/2001. To my surprise they sent me an email stating they transfer the same amount of money to the same bank on XXXX XXXX. Since then I am fighting them to correct that mistake and they did nothing to remedy that issue. I even spoke to a case manager on that same issue whose name is XXXX and the case number is XXXX. For a month I am unable to pay my bill because of their mistake. One of their representative told they can try to recuperate the money but I will get less of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc.
State: AK

Complaint narrative:
Have been a victim of Identity Theft since XXXX when I turned XXXX, have not checked my credit until XXXX where I experienced a life changing situation and did not monitor my credit since. Had student loans and other unauthorized charges on my credit report, have been disputing them after confirming these charges were fraudulent.

Company response to consumer: Closed with explanation