vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 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: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
My loan was place into forbearance last year. I was at the time 30 days late. 
Every month pennymac reported loan as 30 days late, for that month. Lower credit score monthly. I reach out to pennymac ask how to update loan, I received a email extra paining the following. 
That per the cares act when the late payment is as paid XX/XX/XXXX payment the loan would be reporting would be up dated to current in forbearance. 
XX/XX/XXXX received email Made payment and it was posted to account XX/XX/XXXX. 
The supervisor informed me that although the loan was not longer 30 days past due That the loan would still be reported as 30 days late in forbearance. 
I need help my credit score has be reduce to poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Firstsource Advantage LLC is calling and harassing my mother about my XXXX XXXX XXXX credit card balance of {$560.00}. This is crossing a line and I want them to stop. Do not call anyone but me about my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I was scam out of {$14000.00} by XXXX XXXX, XXXX XXXX and XXXX XXXX. 
XXXX XXXX work for XXXX XXXX, XXXX XXXX with XXXX Account and XXXX XXXX with Lifestyle Holiday Vacation. XXXX was the agent selling my timesharing. XXXX XXXX was suppose to be the closing office. XXXX was suppose to be Business Administrator at XXXX. XXXX was selling my timesharing for {$90000.00}. XXXX advised me there will be a transfer fee of {$9000.00} and XXXX called and said you will be reimburse at the closing. The closing was schedule for XX/XX/2021. Nothing happen no closing. XXXX again call talking about {$5800.00} administration fee for XXXX {$5800.00} to get this close out. Closing schedule for XX/XX/2021. Still no closing. XXXX came back with another fee for {$14000.00}. That when I realize I had been SCAM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX XXXX XXXX Capital Accounts XXXX XXXX XXXX XXXX, XXXX Nebraska XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
I sent an email regarding my direct deposit and received a response back that my direct deposit had been received by the bank but, the funds have not been applied to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/21 i was overcharged by a cashier at the local XXXX  that not only rang up my order 3 times but also stepped away with my debt card and went to a back area where only employees were allowed and had my debt card the entire 18 mins, doing something i believe was illegal because i was overcharged XXXX $ soon after my original total was XXXX $ but when i got home i realized i was charged XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently sent a dispute letter to Equifax and XXXX on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX continues to hurt my credit by saying my private student loan is in active collections. This account, originally owned by National Collegiate Trust and XXXX XXXX, was included on my 2015 Chapter XXXX bankruptcy case. The original lender was contacted regarding my Chapter XXXX petition, and they never responded or took me to court for payment. The judge and court discharged and closed my case. No other lender has done this. All the other accounts that were included in my petition have been closed and say " discharged in bankruptcy '' since 2015. XXXX reports this account as new, and active, which is FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to open a bank account and she informed me there was a security freeze. I have provided a copy of my driver 's license and ss card for identity verification.

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 2021-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit Financial Corp.
State: FL

Complaint narrative:
Summit Finiancial is a NONE DEBT REPORTING AGENCY, as listed with the government. They are NOT suppose to be reporting on my credit report. Two of the credit bureau have removed them from my report for that reason. XXXX has refused to do so which is causing my score to be lowered. I HAVE SINCE PAID THIS DEBT OFF WITH THE XXXX XXXX COMPANY, XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, ( XXXX ) XXXX, and Summit STILL will not remove the debt from XXXX. This Attorney even said Summit isn't suppose to report debt, and he can't remove it for me.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MT

Complaint narrative:
AmeriSave I applied for a loan to refinance my home on XX/XX/2021. The initial conversations were great. Once I completed my initial upload of documents, things became extremely difficult. I did not receive any communication for a month. Once I did hear back, it was with a closing document with a floating rate. I was told initially we were locking in my rate at 3 % around XX/XX/XXXX. The loan processor stated " I am sure they are looking out for your best interest in getting you the best rate possible. ". This did not happen as my rate was increased immediately after that email. 

I went over a month sending constant emails and calling trying to clarify what was happening with my loan. I received no responses after daily emails and weekly voicemails. When I asked my loan processor to give me contact information for a supervisor to clarify documents and processes, he openly refused stating that he would never give me that information. 

After finally closing my loan I was told that my pay offs did not go through because my current back did not accept wire transfers and my pay offs would be late. 

I believe this company should be researched for fraud based on the behavior I saw while trying to complete my loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2021, I received a call from XXXX. It was an automated system, claiming to be XXXX, asking had I recently purchased an XXXX XXXX for {$790.00}. I answered no, and was routed to a person that advised me to go to my play store and search for and then download a support app. The app was called XXXX It allowed him into my phone. I wasn't aware of this though. He had me go into the XXXX account and change my password and add otp. The then switched me to a lady. She asked me to go to my bank account app and check to see if the XXXX purchase had went through. She also gave me a number to reach her if I had any other issues, XXXX, and a confirmation number, for fixing the XXXX account issue. Once I was in my account, she started sending herself money through XXXX. I hit no, when it asked did I agree. But at that point, I no longer had control of my phone, or account. And she was able to send money from her side. I called XXXX about an hour after it happened. Then called my bank the following day. Capital One denied all 5 disputes and told me to go back to the merchant. I have the names, phone numbers and email address 's she used to steal my money. And I have filed a police report with the local authorizes in my parish/county. 
XXXX. ) XXXX XXXX - {$220.00} XXXX XXXX. ) XXXX XXXX - {$500.00} XXXX XXXX. ) XXXX XXXX - {$500.00} Ph # XXXX XXXX XXXX. ) XXXX. XXXX XXXX XXXX {$490.00} & {$500.00} Ph # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Few months back tried to open up a checking and savings at Wells Fargo bank. And at the last minute I had to cancel because they found an excuse by which they could refuse to make internal transfers For me. And it was something very specific to my situation. Too much automation My finances were a tailspin I couldnt get control I couldnt put out the money fire because of what XXXX bank did to me. And they prolonged it.

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 2021-04-13 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: NY

Complaint narrative:
My loan was place into forbearance last year. I was at the time 30 days late. 
Every month XXXX reported loan as 30 days late, for that month. Lower credit score monthly. I reach out to pennymac ask how to update loan, I received a email extra paining the following. 
That per the cares act when the late payment is as paid XX/XX/XXXX payment the loan would be reporting would be up dated to current in forbearance. 
XX/XX/XXXX received email Made payment and it was posted to account XX/XX/XXXX. 
The supervisor informed me that although the loan was not longer 30 days past due That the loan would still be reported as 30 days late in forbearance. 
I need help my credit score has be reduce to poor.

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 2021-04-13 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: NY

Complaint narrative:
My loan was place into forbearance last year. I was at the time 30 days late. 
Every month XXXX reported loan as 30 days late, for that month. Lower credit score monthly. I reach out to pennymac ask how to update loan, I received a email extra paining the following. 
That per the cares act when the late payment is as paid XX/XX/XXXX payment the loan would be reporting would be up dated to current in forbearance. 
XX/XX/XXXX received email Made payment and it was posted to account XX/XX/XXXX. 
The supervisor informed me that although the loan was not longer 30 days past due That the loan would still be reported as 30 days late in forbearance. 
I need help my credit score has be reduce to poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: NY

Complaint narrative:
My loan was place into forbearance last year. I was at the time 30 days late. 
Every month XXXX reported loan as 30 days late, for that month. Lower credit score monthly. I reach out to pennymac ask how to update loan, I received a email extra paining the following. 
That per the cares act when the late payment is as paid XX/XX/XXXX payment the loan would be reporting would be up dated to current in forbearance. 
XX/XX/XXXX received email Made payment and it was posted to account XX/XX/XXXX. 
The supervisor informed me that although the loan was not longer 30 days past due That the loan would still be reported as 30 days late in forbearance. 
I need help my credit score has be reduce to poor.

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 2021-04-13 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: TN

Complaint narrative:
Equifax, XXXX XXXX XXXX are reporting incorrect information on my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To whom this may concern : This letter is to inform you that these numbers XXXX and XXXX are inaccurate. 

This is not my phone number and I am not reachable at these numbers. These numbers should not be on my credit report profile ; they are incorrect. Please remove. 

My correct and accurate phone number is XXXX I have tried to dispute these numbers on my Experian credit report via the Experian website but Experian will not delete them.

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting an erroneous balance on a XXXX XXXX XXXX account that was a part of a bankruptcy. The balance should be reported as XXXX but is showing as {$19000.00}. This should be corrected as no money is owed to XXXX XXXX XXXX. I have disputed this with Equifax for many months and have attached the latest letter sent to XXXX XXXX XXXX along with the certified mail receipt number. 

Certified mail receipt number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
US Bank XXXX XXXX After having this card for unemployment for months and not having issues all of the sudden the locked my account and said they need to verify its me with a selfie. They locked all of my funds that Im using to support my family right now due to being unemployed from the Pandemic.

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 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Dear Consumer Finance Bureau, I have attempted to deal with Wells Fargo for many years, almost 15 to be exact. During that time, I have continuously asked for them NOT to send physical bank statements and marketing correspondence. I have been to the branch many times and asked for this to be changed. I am concerned about my privacy in financial matters, as my family has several accounts. I do not believe that my complaints are taken seriously at Wells Fargo. I perceive that they have too much business, inadequate system design, and not enough customer service help. Regardless, my continued requests and concern for me banking privacy are not being addressed. The branch that I go to is located at : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Kindest Regards, 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 2021-04-13 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: MI

Complaint narrative:
Sent several certified letters to verify accounts that supposedly belong to them and they came back stating they investigated them but they couldnt have because none of these companies have not sent verification documentation to me. However, they did state they will not investigate anymore after I submitted certified proof. I feel like they have not done their job and violated my rights. The credit company nor the collection companies.

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 2021-04-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In relation to my previous claim - XXXX. 

I have noticed a charge on my XXXX for Experian again! XX/XX/2021 PLEASE STOP CHARGING ME. I don't know what my options to deal with this, it's like this big company just takes my money and I can't do anything about it.

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 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: IN

Complaint narrative:
Made a purchase for 3 items ending up returning the items with the prepaid label enclosed by the merchant. Merchandise was received by the merchant. The merchant didn't issue the full refund. provided proof of return to Chime and chime has denied the claim several times. I am due a refund of {$160.00} Chime unwilling to fix this issue. even with all requested proof being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I comsumer XXXX, XXXX, XXXX entered into a consumer credit transaction with XXXX XXXX Bank in are around 2015. I used my credit card as defined under 15 USC 1602 ( l ). I've never conducted any business with this company PORTFOLIO RECOVERY. They have violated numerous consumer rights. I've sent them a consumer enforcement settlement order do to those violations, but haven't heard back from them.

Company response to consumer: Closed with explanation