vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
On XX/XX/XXXX money was sent to God-daughter, a XXXX gift. She is unable to pick up, lost id and has a XXXX. 

On XX/XX/XXXX e-mail XXXX and received case number, SF XXXX, on XX/XX/XXXX with instructions to use at store for refund. 

On XX/XX/XXXX tried to use case number at store for refund, CSR unable to locate case number. Called XXXX stayed on phone for 14 minutes -- CSR unable to assist with refund. 

On XX/XX/XXXX sent another e-mail to XXXX asking for a refund via check. I have received no response. 

To date the XXXX still had the money. It has not been picked up. 

The total amount due to me is {$57.00}. 

As of today, XXXX XX/XX/XXXX Reference No. XXXX Transaction Status Ready For Pickup Receiver XXXX XXXX Send Amount XXXX USD In-Store

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CITIBANK, N.A.
State: DC

Complaint narrative:
CITIBANK , N.A . has failed to resolve in my favor a dispute for {$770.00} that was charged to my Citi Advantage Master Card. I had submitted to CITIBANK , N.A . evidence that confirms that I never received the product for which I was charged {$770.00}. Nevertheless, CITIBANK , N.A . collected its fees and benefit from this transaction, for which I received nothing. The Dispute Case No.is 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 monetary relief
Consumer complaint received 2021-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XXXX the XXXX or XXXX I received XXXX XXXX XXXX in the mail that I did not apply for. One of the cards had someone else 's name on it. I called the card company and had them cancel the account. Master Card advised that the account was opened on XX/XX/2021, and no charges had been made on the account. Master card advised that they had my social security number and date of birth. The Master Cards were taken out under the name of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted Transunion Credit agency to get my credit score. I tried online at the website and tried calling. I spoke with representative and said I would Ike to know what my credit score is. I was told I would have to pay for a membership. I explained to representative that I can go online to XXXX  and XXXX  and look at my credit score instantly. Why does Transunion charge a person a fee to get information on their owe credit? So I would like this to be investigated. Transunion should not be making money off of one 's own information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Angel Oak Mortgage Solutions LLC
State: FL

Complaint narrative:
We started the refinance process in XXXX of 2020. We were also purchasing a home at the same time. We closed on our new home in THREE weeks, that was quadrupple the price and value of our rental property. This company was selected by our broker because they offered the best interest rates. We signed the contract and the intesrest rate was 3.625 %. After countless back and forth, requesting documents that we had submitted multiple times, we were set to close in XXXX. We received closing information on XX/XX/XXXX, to close on XX/XX/XXXX. The interest rate was 4.625 %. We never received a loan disclosure indicating that the interest rate changed. There was not formal paperwork disclosing the change in rate or the reason why. We have been dealing with the lack of professionalism for thre months. It does not take three months to complete a refinance on the home. There were no issues with credit, or any of the normal things that can delay the process, so the three month time frame was excessive and daunting. Mortgage lenders are required to notify you of changes in rates in writing, along with and explanation. The only way we found out was when the title company sent over the documents to review. I have every email and corresondance and they never sent a loan disclosure or settlement documents. Our mortgage broker contacted them immediately and the only thing they said, was that the appraisal came in low, so they had to increase the interest rate. My issue is that no one from this mortgage company contacted us in writing and failed to provide the proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am a Client of NEWREZ and I was looking to do a REFI. They strung me along for almost 5 months ( XXXX XXXX XX/XX/2021 ). Once the CD was sent out, it was double what I was promised and I wouldn't sign it. They then declined my loan and told me I was high risk! I have a six figure income with a low DTI RATIO, with almost XXXX in equity in my home. I was taking a loan for XXXX and got denied after I rejected NEWREZ CD. There are numerous filing 's with the XXXX complaining about the same issues that I am dealing with from this company. There lening practices needs to be investigated, it could just be discrimination because I am a minority!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: SC

Complaint narrative:
I was in a deferral period with both Fed Loan Servicing and XXXX and submitted the paperwork to consolidate and continue to defer my loans. The organizations did not process my paperwork in a timely manner and it caused all my student loan accounts to go into delinquency. I was never informed that the paperwork had not been processed or that I was back in a repayment period ; therefore, I became 180 days delinquent without ever being notified. Finally after the 180 day mark I received a letter from the organization stating that I was delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Transunion from my previous complaints filed here and sent through certified mail.

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 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
For five months Portfolio Recovery has not responded to any of my requests for validation while continuing to verify these account to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
my credit card account with XXXX XXXX XXXX has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2021 2021

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 2021-03-10 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: MD

Complaint narrative:
my credit card account with XXXX  XXXX XXXX has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
my auto loan account with USAA credit union has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2019 XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Paypal Holdings, Inc

Complaint narrative:
Hi there, PayPal have closed my account and are holding XXXX British sterling pounds. I believe this is a mistake as I have done nothing wrong. they have said they will be holding my funds for 180 days and this is disastrous due to covid. please can you ask them to release my funds and restore my account as I am a genuine customer and they have told me they will close the account after 180 days. My PayPal account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: MD

Complaint narrative:
my auto loan account with XXXX XXXX XXXX has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
my auto loan account with XXXX XXXX XXXX has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2019 2019

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 2021-03-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has reported my credit card account with XXXX XXXX as 60 days delinquent, which is inaccurate. 
Date : XX/XX/2019, XX/XX/2019 XX/XX/2019

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 2021-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation
State: GA

Complaint narrative:
I have a mortgage with SWBC mortgage and have for about 5 years. In XXXX I took advantage of the Covid forbearance program due to lost of income and increase in expenses. 

I put in an application for modification to start paying back on my mortgage in XXXX. I submitted ALL documents asked for, I have the email to prove. Later I was asked to submit a document from my husbands previous employer on their company letterhead stating that my husband no longer works for the company and validation of expenses " documentation can be in form of bills, statement or bank statments ''. I let SWBC know that this is something that I wasnt able to provide, his company did not let him go in a letter, they are not even in business anymore. I did however attached his tax documents for receiving unemployment in XXXX. I spoke with a representative on the XXXX and asked was that sufficient and was told that that is enough to show lost in income. 

Email 4 is when i sent the unemployment stub on XX/XX/XXXX. 
Email 1 shows utility bills sent XX/XX/XXXX. 

*Note* my husband is not even on my loan as a borrower or guarantor. 

Everytime I ask for a supervisor they say I have to wait 48 hours and I NEVER receive a call. I call the customer service the rep tells me they are working from home so its no way to get supervisor help or ask the underwriter specific questions. I do have a hud counselor involved now but things are not moving. This is my home! I dont understand why they will not take unemployment documents from the government to prove that he was unemployed instead of a letter. 

I have attached all documents submitted by email with time stamp.

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 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is a business debt. I disputed previously disputed this through XXXX XXXX which is XXXX. As you can see by the attached documentation they changed it to a joint responsibility, While still incorrect, they concluded their investigation that this was correct. Only to change the status back a few days later. I disputed again, it changed again, then a few days later it changed back. 

I sent a dispute on the XXXX of XXXX to XXXX  and have no received a response. It's been over 30 days. 

They have a responsibility to only furnish correct information. Not whatever they want it to be to satisfy their claim. When these changes occurred they had 5 days to notify me. It never happened. This is a clear violation of the FCRA. 

Not to mention as you see from their response, it never speaks to the responsibility for the account. I ask that this is removed from all 3 bureaus immediately, as this erroneous information injuries my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Paypal Holdings, Inc

Complaint narrative:
Paypal has closed my account for no reason and will not help me to get it up and running. They asked me to provide proof of all my information. I provided them with the information on the XX/XX/2021. They responded on the XX/XX/2021, saying that they have decided to close my account. I even went ahead to tell them that I was working online and paypal is the only mode of payment allowed by my employer and they still decided to close it with my money in it, for absolutely no reason. 
Am not sure whether it is a mistake but I haven't received any help from them so I felt I should just file my report here as I feel they are not doing their job properly and its really affecting me a great deal as I use paypal frequently. My paypal email is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIRST REPUBLIC BANK

Complaint narrative:
I was solicited to purchase shares of stock in XXXX XXXX ( NASDAQ : XXXX XXXX by the broker XXXX XXXX XXXX on XX/XX/2020. 

XXXX XXXX XXXX instructed me to transfer the cash for the purchase to their account with XXXX XXXX XXXX through their account with First Republic Bank. 

Since that time, I have become aware that XXXX XXXX is a fraudulent bucket shop. Evidence is here : XXXX XXXX XXXX I have also become aware that XXXX XXXX  XXXX is engaging in fraud.Here is the evidence of the fraud : XXXX XXXX XXXX XXXX XXXX //XXXX XXXX XXXX XXXX So I am now reporting to you that First Republic Bank is providing account services to a company engaged in securities fraud : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX The account is with First Republic Bank, XXXX XXXX XXXX, XXXX XXXX, CA 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 2021-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma
State: TX

Complaint narrative:
I received a negative credit score, so I disputed the collection because I did not even know about this amount owed or to who. Impacting my credit was the first I heard of it. In attempt to call the company Sarma Collection as shown on my credit report it shows as scam.

The debt disputed was approved and removed, but today it came back up and impacted me at -64 points for a balance of {$130.00}. 
I tried calling the collectors and no response. 

I am in the process of buying a home and this is impacting my home purchasing process. 

Please help. This credit collector for medical violated my rights by not informing me of such bill or a way to stop this from affecting my credit. I am up to date with anything else I owe and had a XXXX credit score before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I was in a deferral period with both XXXX and Navient and submitted the paperwork to consolidate and continue to defer my loans. The organizations did not process my paperwork in a timely manner and it caused all my student loan accounts to go into delinquency. I was never informed that the paperwork had not been processed or that I was back in a repayment period ; therefore, I became 180 days delinquent without ever being notified. Finally after the 180 day mark I received a letter from the organization stating that I was delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX, XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I refinanced my mortgage at the end of 2020. My prior mortgage was with Bank of America. I had paid ahead on my mortgage so BofA provided me with a check for monies I paid ahead. The amount paid to me was not the full amount that was owed to me. Below is the calculation of what is owed to me Original Mortgage Amount : XXXX + Int. disclosed to me on tax forms XXXX New Balance XXXX -Payments made by me XXXX New Balance XXXX - Payoff amount sent to BofA XXXX Difference XXXX + check sent to me by BofA XXXX Difference XXXX As you can see BofA owes me {$7900.00}. I have raised this issue with them several times during the past month ( I have been given the following case numbers SR XXXX, SR XXXX, SR XXXX ) and keep getting passed from group to group. I have attached the Form 1098 for the years of the loan, a copy of the BofA Payoff check and a spreadsheet that details the payments I made to BofA during the life of the loan. I can provide the checking statements showing each payment if you wish.

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 2021-03-10 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXXXXX XXXX XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation