vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Qualified for a CARES act defferal, 6 month option, and resumed making payments in XX/XX/2020. ( Tenants did not pay rent for 6 months ). Now owe more money on my home than when I started given I could not afford to remake payments. Wells Fargo capitalized principal AND interest at the end of the mortgage, which was not fully disclosed. Also, now Wells Fargo will not refinance since I still am in forbearance and other lenders also have told me they will not refinance the loan because they can tell we used the forbearance on credit score ( mortgage balance went up ). I have made payments on time since XXXX, and was always current previously. Finally, since I have a larger loan balance, I am worried the bank is now charging me more interest than before given the capitalized interest from the deferral period ( also not clearly disclosed in CARES act documentation ). If I had know the information and that I would owe more than before, I may have made a different choice despite the financial strain for those 6 months.

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 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX financed my car a XXXX XXXX XXXX it was totaled in an accident by another insured driver in XXXX of XXXX. My insurance Company Paid a settlement of over {$15000.00} and They were ready in 6 days to finalize the settlement from the date of loss. XXXX XXXX kept MY insurance company XXXX XXXX XXXX XXXX waiting til the first offer expired in 45 days. not only that they did not send my Gap Insurance company XXXX XXXX XXXX XXXX XXXX a copy of the police report and this delayed the process further. I called XXXX XXXX repeatedly on behalf of my insurance company XXXX XXXX XXXX XXXX XXXX they ask me to call XXXX so the check for pay on the settlement would not cancel by issued date.And XXXX wanted to pickup the total loss car that they settled for. Furthermore, it was not Until XXXX, XXXX that I was told to contact my Gap insurance company. XXXX XXXX informed me that XXXX XXXX did not send them the police report and this report was in the file from XXXX that had to be sent over with both company communicating specifications of the accident. Why I was appalled and after I gave my copy of the police report XXXX XXXX XXXX issued the balance on the car ( see uploaded documents ) .XXXX XXXX, XXXX the check was sent for XXXX from XXXX  XXXX Gap insurance to settle the account in full.XXXX XXXX wrongfully charged my credit account of as bad debt on my credit report and still arre trying to blame me for there teams errors and i want help. I am still being harrassed by them with a letter to date of XX/XX/XXXX. I've submitted this documentation to prove my case.

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 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2021, I attempted to log into my checking account online. The account was locked, so I called the bank. I was informed that five-wire transactions had occurred in my account. I file a fraud claim because I did not perform the transactions. I have called the local chase bank location, the corporate office, and the FDIC. I have received calls back to tell me that the issue is still being investigated. Over {$2800.00} was taken out of my account in their bank under their security. I'm so frustrated. I have never wired money, nor have I ever sent money out of the country. This money is used for my daily living, and I have been on hold for too long. Please let me know what other options I can try. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Called multiple times to Affirm to discuss validating debt. Tried to email to get my request in writing but they do not monitor their email address anymore. Their additional help is just a link to a Q & A.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I used XXXX to send money to my sister in XXXX on XX/XX/XXXX. Money was not delivered as of XX/XX/XXXX. I filed multiple complaints with XXXX  and every time they come up with new excuse and ask me to wait. Please resolve this as money is urgently needed in XXXX to to COVID impact ( food and medicines )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I have been asking Caine & Weiner at XXXX. XXXX XXXX XXXX XXXX, CA XXXX, Phone # XXXX to VALIDATE a debt that they say I owe since the middle of 2020. But instead, their company ALONG with all 3 credit bureaus have only VERIFIED the debt ... This is severely hurting my credit profile and ruining my chances at homeownership. I have asked for certain things like the contract with my signature, and how did they calculate the amount of the debt owed etc ... and the only thing they keep sending me are things like a settlement letter from their company ( Caine & Weiner ), or a COPY of a payment coupon from the original creditor with no signed contract ... And the bureaus keep reporting this as VERIFIED which is not VALIDATING the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
We went for a mortgage to one company and they had my Equifax report. 
When we decided to go to another company the report no longer exists. 
I have been told so many different reasons this has happened, one of which was my credit cards must have reported to only 2 companies and not theirs. Another was that there is nothing that matches my name on the report just my social. I could list more excuses they have if need be. 

I sent a fax as requested, they said it takes 10 days, it's past 10 days, when I call there is no one that I can even escalate the call to. They won't let me speak to a supervisor. 

I am going for a Mortgage, already put money down on a home. I have 2 reports but Equifax is missing. This is not acceptable especially since the previous lender got the Equifax score and with that my interest rate was less!!! 

Every time I call I get a different story, please help us because this is so bad that they lost my report. I also called all my cards and they have been reporting to Equifax for over 3 years. They made a mistake. They need to own it and fix it so I don't have to get a higher interest rate through no fault of my own. And they need to fix it right and put it back to the way it was prior to it magically disappearing on their end. Thank you please contact me further if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paradigm Assets, LLC
State: DC

Complaint narrative:
The company in question is JHPDE Finance 1 LLC. I have never been contacted by this company, ever. I found out they had an open collections account on me from 2018 when I recently started paying off my debts. That account was sent to a civil court in VA for a judgement but was dismissed. Now, they reopened that collections account. Once again, they made no attempt contact me. I only found out through alerts from my credit monitoring service. I've tried calling them and they keep referring me to different departments, both whom insist they don't have my information in the system. None had my contact info or address. How is possible they are able to open a collections account on me when they never contacted me, or when they don't even have my account in their system? I painstakingly paid off all of my debts in the last 3 years ( over XXXX in debt ), and right when my credit was improving, these guys do this. To make matters worse, I am ready and willing to pay the full balance right now, but I can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
XX/XX/21 I called my mortgage company because I did not receive a monthly statement. Although, I had receive XXXX the month before. XXXX XXXX XXXX explained that because my loan Mature in XXXX that I could only get a payoff statement but could make payments against my loan. Now if that is not a deceptive practice, then I do not what is. This gives the company the ability to apply the payments as they see fit. So, it does not go against the debt but whatever makes the servicer the most money on. If I do not know if my payments are being applied correct then I am to trust a payoff letter is correct? I realized my loan mature but do the pandemic I do have the funds to paid it off. I did apply for Loss Mitigation but was offer a short sale even thought XXXX XXXX XXXX XXXX showed I would have equity

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 2021-05-18 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: AZ

Complaint narrative:
Hello, Experian is showing one of my credit card account as being closed. XXXX XXXX XXXX. I've been in contact with XXXX and they assured me that the account is opened and in excellent standing. I've been using the card regularly as well. XXXX  and XXXX both are showing this account being active and with the correct line of credit. Experian on the other hand, has removed my available credit line from my XXXX XXXX XXXXccount as well as deducting that amount from my total line of credit. I don't understand why they are not taking this as seriously as I am. XXXX XXXX  informed me that they notify all credit reporting agencies on a monthly basis, and the problem that I'm having, is with Experian, which I totally agree. Every time I contact Experian about this, all they say is to file a dispute, which I have. But Experian doesn't realize that the dispute is with them, not with XXXX XXXX I hoping you the CFPB, could help me with this. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My original credit balance should have been {$210.00} as of XX/XX/XXXX and whatever additional charges added after. I made multiple gift card purchases back in XX/XX/XXXX and none of them were issued a balance except for 1 giftcard, which is why I have {$210.00} balance. I have been disputing this case for over a year and I have refused to make payments until the balance was corrected. Of course covid happened and I did end up missing payments when the balance was corrected back in XX/XX/XXXX to {$170.00} and some change. By XXXX of XXXX I was charged for the gift cards again. I did dispute the charges once again, this time I wrote a letter, the emails and phone calls were useless. XX/XX/XXXX billing statement show some corrections made but I am being billed {$630.00} + fees and interest which puts me at {$790.00} as of XX/XX/XXXX. That's not correct. {$210.00} plus whatever late fees for the {$210.00} is what I owe. If the balance of {$790.00} is fair I would like to know what gift cards were funded because only one gift card was funded for either {$200.00} or {$250.00}, the remaining gift cards were not. I did make a payment on the balance. The bill of almost {$800.00} does not make any sense for a gift card of {$250.00} or less. I would like the billing correction to be made or have the gift card they are billing me for funded. I am not paying for a gift card that never had a fund. I would like the billed amount corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
1. This is a Business, not a personal account.

2. Company Has not provided a contract and or additional information to validate this account.

3. I attempted to contact the company and sis not receive any information.

4. I disputed the account with TransUnion and did not a response with valid information to keep reporting this on my credit report.

5. XXXX XXXX  is Re-aging this account which is a FCRA violation. Attached is my report. XXXX and TransUnion are reporting XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 6. The High Credit Balance is listed as : {$7800.00} but the balance on the account is listed as {$10000.00} showing that this information is inaccurate

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 2021-05-18 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Continually received unauthorized charges to my account and closed it in XX/XX/XXXX. Fraud Investigations confirmed the charges were not mine and reversed 2 out of the 3 charges and missed the third charge. Called numerous times to have the third charge removed. This was finally done but then in XXXX a fourth charge to the same retailer appeared on my account on XX/XX/XXXX, which appeared on my XX/XX/XXXX statement. Called Fraud Investigations on XX/XX/XXXX to have the fraudulent charge reversed, which XXXX confirmed was already done. In fact, the fraudulent charge was never reversed and I have now accrued penalties and interested to XXXX.I thought I had finally had my issues resolved when I recieved my XX/XX/XXXX statement, which reflected a reversal of fees, interest, and fraudulent changes and a XXXX balance. Also received a letter of apology from Barclays which stated that they took responsibility for not handling my complaints properly. Much to my surprise, I just received another statement reflecting the same fraudulent charge from XXXX of {$12.00}, which was backdated to XX/XX/XXXX and posted on my account as of XX/XX/XXXX, an account which was closed 10 months ago!

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 monetary relief
Consumer complaint received 2021-05-18 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: IL

Complaint narrative:
The XXXX XXXX XXXX replied with a letter XX/XX/2020. They addressed the issue about this bill. I disputed this account several times. They stated they would cease any attempts to collect on this bill. They said they would contact the bureaus if they wanted to resume collections. Equifax has failed to remove this from my credit file. I think the credit bureaus should be held accountable. This changes a person credit history tremendously. This affects people lives. I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
This account have been sold to another lender. As to my research I am no longer liable for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Hello, My account is frozen and i have sent gemini trust company support 3 messages and no answer. 
Im losing alot of money and i cant do anything. 

What can i do? 
How can i unfreeze my account? 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion consistently ( for TEN years! ) has refused to provide me my free annual credit report online. Their reason is always either technical difficulty or could not verify my identity. They then tell me I have to pay for my credit report for a monthly fee of {$24.00}. I use the exact same form with the exact same information for XXXX and XXXX and have never had a problem accessing my free annual credit report online. This is a problem specific to TransUnion. I also notice that when I put my address information in the form, when it gets to the TransUnion site, it puts my previous address in the current address field, which could potentially cause a verification issue, but that aside, even when I have lived at the same address for more than 2 years and don't need to provide a previous address, I still get error messages of a technical difficulty or can not verify my identity. Again, the exact same form from the annual credit report official website with the exact same information does not create any problems in access my credit reports for XXXX nor XXXX. This is TransUnion only and I believe they are just trying to get people to subscribe to their service and pay the monthly fee when people are unable or unwilling to wait up to 30 days to get their report, rather than get it instantly like XXXX and 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 2021-05-18 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: VA

Complaint narrative:
On XX/XX/XXXX I send a letter to the credit company 's standing that my bankruptcy was placed on my credit, not by the courts, and need to be removed. The letter attached from the US court stating they do not report to the credit 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 2021-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: VA

Complaint narrative:
I am receiving loan solicitations for a person whom does not live at my address ( XXXX XXXX, in this case ). I do not wish to receive these mailings and Discover Student Loans ' web site makes it difficult to find contact information to opt out of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 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: NJ

Complaint narrative:
I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was looking for a loan for new furniture. I got notified of a pre approved loan opportunity with netcredit. After looking at it, it first said {$6800.00}, 36 months, When I was finally ready to get the loan, I got to the contract and it was {$270.00}, bi-weekly for 71 months. So once I saw the terms had changed I closed it out and did not request the loan. On XX/XX/XXXX I received a letter of denial. I never made the request or signed anything electronically. My credit score dropped 30 points.

Company response to consumer: Closed with explanation