vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells fargo home mortgage has XXXX dollars in a escrow account for insurance claim fund from Hurricane Florence. I  have asked for a XXXX check payable to me and XXXX XXXX XXXX so I can get the house painted. The insurance company has authorized this repair .Mortgage # XXXX for XXXX XXXX house at XXXX XXXX XXXX XXXX XXXX Nc XXXX phone XXXX The painting company wants to start and I do not have half down so i can give them a wells fargo check and let them hold the check and I will sign it when the job is done. After 4 phone calls to wells fargo in XXXX Mn they have assigned XXXX XXXX to give me an answer by XX/XX/XXXX. I need the check this week! XXXX can be reached at XXXX ext XXXX. This is my money and I have faithfully spent all previous escrow releases..

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 2020-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: PA

Complaint narrative:
For the past few months, I've been disputing this account. I have received no information from them, even though I've requested everything. they have continued to report the debt, even though they have not validated it, which is a violation of the FCRA and FDCPA. I do not know what this debt is for, and they have never sent me any validation. Please help me with this, I do not know what else to do, they are destroying my credit and my life! During a National Crisis, this is deplorable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been trying to work with the Mortgage Bank Chase JP Morgan in XXXX ohio. completing the loan modification over every 30 days as Chase stated that this would prolong my foreclosure. Each time the denied my request. So I filed for Bankruptcy chapter XXXX and bankruptcy court new I asked to keep my home. This was XX/XX/2020. My attorney XXXX XXXX XXXX XXXX XXXX Ohio said that he would help me with completing these steps to keep my home with Chase. Chase never called my attorney XXXX XXXX back, or called my back. I have continued to try to contact to Chase to prevent any and all foreclosure or sale of my home. I have been given information on hope now, contacted them and said there is nothing they can do for me since Chase has bought the home out from underneath me XXXX XX/XX/2020 This year. This prevented me from any type of mortgage assistance or any type of prevention to keep me in my home. This I feel that being a older woman I have discriminated against, since I am a widow. This has been going on for two years., I do have a plan b to live at my brothers place, but this needs to be investigated due to if this continued to happen to me how many other people will this happen too!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent Transunion a dispute via USPS, tracking number XXXX XXXX XXXX XXXX XXXX they received the dispute on XX/XX/2020. As of XX/XX/2020. They have not mailed back an updated credit report or mailed back the results from the investigation.

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 2020-03-30 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: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I purchased a car for my wife, a XXXX XXXX XXXX XXXX. She has made all the payments for the vehicle. In XX/XX/XXXX she was side swiped by a XXXX bucket truck. XX/XX/XXXX XXXX insurance company deemed the car totaled, as soon as we found out we contacted Santander. The requested that the insurance company reach out to the, which is what they have done. According to my wifes attorney the insurance company has continually sent the documents via email, fax, and have sent letters. Each time weve contacted them they have said the insurance company has either sent the wrong documents or that they havent received them yet. The insurance company ( XXXX ) has told my wifes attorney ( XXXX XXXX XXXX XXXX  his name handling this is XXXX XXXX XXXX ) that they are not sure what is going on over there, that they are not " acting in good faith. '' The paperwork that they are requesting is no different than anyone else who has Gap insurance. Santander is now sending me certified letters they are welcome to take the car, if that will get them to do the right thing, at this point we are very frustrated with this company and will never do business with them and we will make sure all of our friends and family will know to avoid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BREMER BANK, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Click to expand XX/XX/XXXX CONTINUOUS OD FEE XXXX XXXX Click to expand XX/XX/XXXX CONTINUOUS OD FEE XXXX XXXX Click to expand XX/XX/XXXX OVERDRAFT FEE XXXX XXXX Bremer Bank is predatory charging continuous weekly overdraft fees. With the issue of COVID-19 they will not even consider waiving the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Circle Internet Financial
State: IL

Complaint narrative:
On XX/XX/2020, In my account with Circle, I verified my bank account information by sending them a domestic wire in the amount of XXXX US Dollars. This process was to add and verify my bank account to the Circle account. My bank details were verified. 

On XX/XX/2020, I have transferred in XXXX USDC Token to my Circle account. On the same day, I have redeemed XXXX USDC for XXXX US Dollars and initiated a domestic wire transfer to my bank account in the amount of XXXX US Dollars. 

I have contacted Circle support center and exchanged emails regarding this issue. XXXX from Circle support said that it takes some business days for funds to clear that I should wait. I waited, in the meantime, contacted my bank about the transfer. They did not see any incoming wires, again. My bank opened an investigation along with the intermediary bank to resolve this issue. They could not identify such a transfer made to my name with my bank account information. 

On XX/XX/XXXX is the last email I have received from Circle support stating that my case has been escalated to the treasury team. Today is XX/XX/XXXX. It has been 40 Days. I do not have my funds or a response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I attempted to bring my loan current through submitting a payment of {$12000.00} on the XX/XX/XXXX. The check cleared the attorney 's account on XX/XX/XXXX. I submitted a payment in mid XX/XX/XXXX that cleared my business account just the same. My house was sold on the court house steps in XX/XX/XXXX. Every time I call Suntrust they are researching the file or I can not get through. At no point did Suntrust call me to inform me nor my attorney that the amount I submitted was insufficient. Talking with the help line, they said they refunded the amount to me, but I have received a check nor have my attorney. I would like for the bank to overturn the foreclosure for wrongful decision.

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 2020-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/2020 I received a hard inquiry from XXXX on my Transunion report. I called Transunion 3 times and they couldn't create a dispute for hard inquiries and they told me to ask XXXX to have a letter on cancellation. I called XXXX and they confimed me that hard inquiry is not mine. I asked for the letter but XXXX told thay they will provide the information to the credit bureau when they received the complaint. Then I proceed to call Transunion again and they told me that they could not create a complaint until I got the letter. 

Please advice. It's unfair to have this remark for 2 years in my credit report that it is not mine.

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 2020-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: MN

Complaint narrative:
On Monday XX/XX/XXXX, I received in the mail a notice that my entire state and federal return had been taken by Ascendium Education Group to a total of {$9800.00}. When I called the number listed for this loan agency, I was transferred to another loan agency XXXX. It was at this moment that I found out that my loan is now in the hands of XXXX. I have been attempting to reach XXXX for an explanation of why my entire refund was taken by them, and they are currently not in office due to the corona virus and unable to take phone calls and instead are only operating by email. I wrote an email on XX/XX/XXXX stating my questions and due to the circumstances, hoping they will be empathetic and release my return either partial or full. I received a canned email with a attachment for an economic hardship application, not at all addressing one of my questions. 

I was not aware of my default status, either was my loan consignor. I had been on automatic withdrawal from my checking account for over a year to Ascendium Education Group and it appears due to an inputting error with my debit card, the past 3 months of automatic withdrawals were not going through. Does 3 months of a mistake really warrant a {$9800.00} seize of my funds? 

I have called MN Department of Revenue, the US Department of Treasury and both have been unable to assist me until I get information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I purchased an item from Neiman Marcus online back in XX/XX/XXXX. The item was over {$100.00} and was scheduled to be delivered via XXXX. Unfortunately, the item was lost and I contacted the company, telling them the problem. They investigated and determine the item was lost and refunded the item I was charged ( available in my billing statement ). Now, looking over my statement ( XX/XX/XXXX ), the charge that was refunded to me back in XXXX was charged on my account again. An item I didn't receive and was determined lost by Neiman Marcus. I called the company and they gave a story on how they refunded me an item that I was never charged, which is false because I have a statement showing that I was charged for the purchase, but refunded due to it being lost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
On XX/XX/XXXX, I signed up for a saving account to work on saving my funds so i can better budget my finances. So I signed up with Ally Finance due to their APR, This placed a hard inquiry on my credit report for the date above. 


On XX/XX/2019, Ally Finance give me a second hard inquiry on my credit report and closed my account due to no other reason whatsoever. This inquiry also affect my credit report and has made it hard for me to continuing improving my credit report. As a student and someone from another country. I am still getting my feet wet with the financial system in the US. I have learned a lot from this experience and deserves a second chance to start from scratch by removing these two hard inquiries on my report. 

The company mentioned that there was nothing that they could do to help me with this since my account is already closed by 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 explanation
Consumer complaint received 2020-03-30 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: AR

Complaint narrative:
I went to file my taxes and I was told by my tax consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX  XXXX XXXX {$210.00} XXXX XXXX XXXX {$740.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: MARINER FINANCE, LLC
State: PA

Complaint narrative:
i disputed once with the credit bureaus in which i received a letter saying this debt was verified. 
I then reached out to XXXX XXXX XXXX and they say it is validated ... .How can this account be verified and validated when there are tons of inaccurate information being reported? I have attached a copy of the contract they sent with the obvious different spelling of the name similar to mine. i have never lived at that address either. 

i am attaching a copy of both letters. 

This account is reporting on XXXX and XXXX ( XXXX deleted ) with 2 different dates of last activity XX/XX/XXXX and XX/XX/XXXX this account has been reaged. 

And account type reading as an auto loan when in fact it should read credit sale. 

I have attached a copy for your review. these are clear violations and there is no possible way they conducted a proper investigation as required by law. 

i also contacted the credit bureaus pertaining to Mariner Finc as they are reporting a tradeline tied to this account they also stated that this is verified. i am attaching a copy of the letters sent to them. There are multiple violations and inaccuracies reported.

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 2020-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
They attempted call at XXXX XXXX on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: CA

Complaint narrative:
I recently disputed a bankruptcy that I saw on my credit report with your company. I disputed it because it is unverifiable, yet you updated the report with the statement that the account was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY-DISMISSED XXXX {$0.00}

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 2020-03-30 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY-DISMISSED XXXX {$0.00}

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 2020-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/XXXX I had a customer file a false dispute on a dress she bought from me. 

Paypal immediately took {$120.00} from my account within MINUTES of the report and demanded I pay them to bring the account to a positive balance. 

I did so and complained about the process.. They ignored me. 

I provided numerous screenshots proving tears and condition were disclosed on the listing, in images AND on the invoice. I also stated that I believed the customer had her daughter wear the dress in a pageant and then filed a false report because she admitted her daughter wore the dress to the pageant. This was all provided through the official resolution center and recorded as a response. 

Paypal ignored my screenshots and stated they refunded her anyway. 

I reached out and asked why after I provided evidence. They said they didn't get the screenshots and didn't ask me for them because they didn't 'think ' to do so. But I could appeal when I received the dress back. 

The customer was permitted to return the dress she used. 

Then Paypal deducted ANOTHER {$120.00} from my account today XX/XX/2020. 
Recall : I already paid for the {$120.00} on XX/XX/XXXX. 

I also received an email from them stating the reason they found in favor of the customer was because I didn't respond to the claim. 

This is false. I replied to the claim and they admitted it. 

I replied to the email and got an automated reply to message through the resolution center. 

I messaged in and waited three hours on chat for a reply. 

XXXX stated Paypal acknowledges the summary was not correct but refused to send a corrected statement summarizing the dispute. 

I asked why I paid twice and he refused to provide an accounting or explanation saying " it just looks that way '' I asked for a manager. He refused to send me to one. 

I asked to be called. 

He said Paypal won't call their customers. 

I asked for the chat to be transferred. 

He refused. 

I informed him I'd be filing this complaint, he said " feel free '' Paypal has intentionally created false records and is refusing to correct them. 

These records are critical to my recourse against the lying consumer, my business history with Paypal and my personal records. 

They are required by law to provide factual summaries. 

They are required by law to provide accurate accounting on disputes and transactions. 

Paypal did neither and then refused to do so when asked. 

Paypal refused to escalate the matter. 

I would like a corrected case summary sent to me and I would like a full accounting and explanation as to why the {$120.00} was taken twice from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: VA

Complaint narrative:
Under the CARES act, it is my understanding that if you go into administrative forbearance, the suspended payments are considered qualifying payments that can be counted toward forgiveness under the PSLF program. ( See the CFPB 's blog on the subject, here : https : //www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/ ). However, DirectLoan 's  website provides contrary information. Under the heading " Special Considerations for Borrowers Pursuing Public Service Loan Forgiveness or Loan Forgiveness Through an Income-Driven Repayment ( IDR ) Plan, '' it says " The time spent on the emergency administrative forbearance will not count toward your required payment count. '' See https : //myfedloan.org/borrowers/covid/.

It appears that FedLoan is providing inaccurate and misleading information to borrowers at this time, that would lead borrowers to continue making student loan payments so that they don't extend their PSLF payment count, when in fact, they should go into emergency forbearance.

Company response to consumer: Closed with monetary relief