vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Over the last few months I have disputed this account with the credit bureaus. Each time the credit bureaus come back and tell me this debt has been verified. This company is inaccurately reporting to the credit bureaus each month. This company is negligently and willfully violated the Fair Credit Reporting Act. Bridgecrest negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely and Bridgecrest can not supply that and report accurate information to the credit bureaus they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a payment of {$300.00} on XX/XX/XXXX through PayPal as part of my XXXX baby registry. PayPal has withheld the funds until now with no explanation other than under review and will not allow me to cancel the transaction and refund our friends or do anything. The money is simply sitting in PayPals account and they refuse to take any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
My mortgage lender XXXX XXXX and XXXX XXXX XXXX have both tried to attain my credit report from Experian, and are unable to do so. There is no freeze or alert in place to prevent these two firms and the credit vendors to pull my credit. I have contacted Experian customer service and member service to resolve the issue for over 3 week. I am still having problem where my credit report is blocked my Experian. I have been trying to have my credit report pulled since XX/XX/2021. Vendors receive error message, credit report locked due to consumers request, I requested to have all alerts and freezes removed sometime aroundXX/XX/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 non-monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Specialized Loan Servicing has not paid the real estate taxes on my mortgage secured loan and I have received multiple delinquent notices from XXXX XXXX, Virginia. On XX/XX/2021 I contacted the mortgage company regarding my delinquent notice. I was never able to speak with someone and instead was given an address to mail my bill to. Even though our escrow balance is above the amount that our real estate taxes are, and I have sent the letter with the delinquent tax bill per automated instructions, our tax bill has increased as it has not been paid.

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 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I made a balance transfer of {$5000.00} on XX/XX/XXXX with a promotional rate of XXXX which expires on XXXX XXXX. 
On XX/XX/2021, I made a purchase of {$5500.00}. 
On XX/XX/2021, I made a payment of {$5000.00}. 
The minimum payment was {$56.00}. 
The overpayment was applied to the balance with the lower interest rate. 
{$4900.00} should had been applied to the balance with the higher interest rate. 
I am now paying 18 % on a balance and my promotional rate balance 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 explanation
Consumer complaint received 2021-11-01 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: TX

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG EMPLOYERS TO BE DELETE, A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021, a complaint was filed against Wells Fargo Mortgage with CFPB to recover a missing mortgage payment in the amount of {$3400.00}. The mortgage payment in question was made on XXXX XXXX, my checking account at XXXX XXXX  XXXX . 
An investigation conducted by a Wells Fargo Mortgage Case Specialist, Ms. XXXX XXXX on XXXX XXXX claims, the XXXX XXXX mortgage payment was returned to my checking account at XXXX XXXX XXXXXXXX on XXXX, and therefore, my claim against Wells Fargo Mortgage is now closed. 
When contacted XXXX  XXXX XXXX with Ms. XXXX finding, XXXX XXXXXXXX XXXX contradicted Ms. XXXX finding and found no evidence of a payment being returned to my account on XX/XX/2021. Also, my checking statement has no evidence of payment being returned on XX/XX/2021 as the Case Specialist claims. 
Furthermore, three different Wells Fargo Case Specialists have provided three different findings where the payment might be, but refused to contact XXXX XXXXXXXX XXXX to find the whereabouts of the returned payment. 
The latest finding by the Case XXXX, Ms. XXXX XXXX, is confusing and hard to follow. I have reached out to Ms. XXXX on several occasions and left three voice mail messages, to go over her findings, but no response from her to my messages. 
My request is, to have Wells Fargo Mortgage, contact XXXX XXXX XXXX  directly and find where about of my XXXX XXXX mortgage payment.

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 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My checking acct is in a negative balance due to over draft fees, returned items fees and sustained fees since XXXX XXXX. Citizens bank is not happy with me for the fact that during covid they were charging their customers fees when they were not supposed to. They did give me back overdraft fees after they went against their policies. I returned to work last week after being out from covid then recently being diagnosed with XXXX XXXX and was going through treatment. I am asking that citizens bank please refunds me my fees as I can not afford to pay them XXXX $ back. And there is a pattern with them they charge a returned item fee, over draft fee same day for multiple payments. I feel I am being discriminated against due to me having fees returned when they were not allowed to take fees from their customers. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
OnXX/XX/2021, Chase bank has restricted access to my money in the business account a week after opening the account. No reasons have been given, no official communication have been sent, no customer service attended my calls, the branch employees were not able to assist, my several complaints have been ignored. I would like to regain access to my money in the account. The bank behavior towards me is not acceptable, the banks should not have the right to accept opening account then restrict it without providing reasons. My account is now been restricted for more than 45 days and cant find a way to understand why or to be able to speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FB FINANCIAL CORPORATION
State: VA

Complaint narrative:
This complaint follows Complaint ID : XXXX from XX/XX/XXXX Complaint ID : XXXX from XX/XX/XXXX regarding FirstBank Mortgage. This complaint is regarding the following : Disregarding my multiple requests to reverse approximately {$710.00} in late fees assessed while loan was in forbearance. 
FirstBank Mortgage has shown a complete disregard for my situation from the moment I was granted forbearance on my loan in XX/XX/XXXX. Their customer service representatives are ill equipped to read notes taken on previous calls and/or lack the necessary skills or training to review a customers history and provide solutions. I have had over 30 calls with them. In each call, I have had to repeat the complete story from the beginning. Every representative says the same thing I will make a note in the system, I will email the right group, Im escalating this, I will call you within 48 to 72 hours, and nothing gets resolved. On my call to FirstBank Mortgage on XX/XX/XXXX, where I spoke with their XXXX XXXX XXXX XXXX XXXX # XXXX, she said I will personally call you within 48 to 72 hours regarding the reversal of approximately {$710.00} in late fees that were assessed while on forbearance. As of XX/XX/XXXX they still show late fees of {$710.00} on my account that have not been reversed. Nobody has called me to indicate that these charges have been reversed.

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 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Transferred Etherium ( worth {$8000.00} ) ( cryptocurrency ) from one online exchange to coinbase on XX/XX/XXXX. Coinbase 's policy is to wait for 35 network confirmations for this transaction to complete. My transaction completed, and has been ready for 5 days, but coinbase has my funds as " pending '' and I can not access them to withdraw my savings. 

I have contacted " support '' dozens of times and only get canned automated responses and never can speak to a human. I don't think they have people actually working support. The emails are just the same text that are on the help section of their website. I can not speak to anyone over the phone because they don't have phone support for issues like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: PA

Complaint narrative:
Over the last few months I have disputed this account with the credit bureaus. Each time the credit bureaus come back and tell me this debt has been verified. This company is inaccurately reporting to the credit bureaus each month. This company is negligently and willfully violated the Fair Credit Reporting Act. XXXX negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely and XXXX can not supply that and report accurate information to the credit bureaus they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: PA

Complaint narrative:
Over the last few months I have disputed this account with the credit bureaus. Each time the credit bureaus come back and tell me this debt has been verified. This company is inaccurately reporting to the credit bureaus each month. This company is negligently and willfully violated the Fair Credit Reporting Act. XXXX negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely and XXXX can not supply that and report accurate information to the credit bureaus they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act.

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 2021-11-01 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: LA

Complaint narrative:
XXXX XXXX XXXX  amount XXXX ; disputed account and requested for it to be removed because this is not my account and it is still on my credit report with all 3 credit bureaus

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 2021-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There is an address on my XXXX and Trans Union Credit Report that is not mine : XXXX XXXX XXXX, XXXX CT 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 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
Bank account was fraudulently accessed ( XXXX ) by agent claiming to represent XXXX XXXX Department ; {$4000.00} was electronically transferred to an unknown recipient. US Bank has refused to repay this amount though the EFT Act specifically requires this : If a third party fraudulently induces a consumer into sharing account access information that is used to initiate an electronic fund transfer from the consumers account, does the transfer meet Regulation Es definition of unauthorized electronic fund transfer? 
Yes. 

If a third party fraudulently induces a consumer to share account access information, are subsequent transfers initiated with the fraudulently obtained account information excluded from Regulation Es definition of unauthorized electronic fund transfer because they are initiated [ b ] y a person who was furnished the access device to the consumer 's account by the consumer? 
No. 

Can a financial institution consider a consumers negligence when determining liability for unauthorized electronic fund transfers under Regulation E? 
No. 

Can a financial institution require a consumer to file a police report or other documentation as a condition of initiating an error resolution investigation? 
No.

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 2021-11-01 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX  # XXXX -CREDIT COLLECTION SERV # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
in XXXX we completed a trial period then the account rep stop taking our calls or emails. we stopped payments because of ongoing pandemic and personal hardships, Out of the blue we received an offer trial payment modification for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with a {$10000.00} payment! i advised BSI INC, that we would have {$13000.00} some time in XXXX. when We contacted BSI in XX/XX/XXXX saying we have the {$10000.00}, BSI said we now must pay {$26000.00}. BSI sent us a notice of intent to foreclose on XX/XX/XXXX. We have sent BSI many notices asking for reconsideration and reinstatement and another chance a modification along with a copy of a check for {$15000.00}! Meanwhile, we have been receiving calls, emails and texts from investors saying they want to buy our house even though our house has not been put up for foreclosure. We think BSi has never really intended or wanted us to have a modification, We sent BSi a certified letter in XX/XX/XXXX requesting a review of our escrow account. Since that time BSI has not given us a stable monthly payment. Now they have leaked our personal delinquent account information out to investors and are trying to force us to foreclose without any fair chance at a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2021 @ approximately XXXX, our small 2 person mobile repair company received a call from a truck owner who had a driver in distress on the interstate. Our mobile mechanic was dispatched and found the customers issue, in which he repaired. The customer was billed, the invoice sent via square text services and he then paid the invoice in full using his American Express Card. And the driver was on his way. 

The owner called back shortly after to advise the driver was pulled over about 30 miles from the original site with another issue. Our mechanic returned to the truck and found another issue in which we advised required a part in which our parts vendor wasnt able to provide until next day after noon. As an alternative, the mechanic repaired the truck enough for the driver to return to home where we advised it would need to be seen immediately by the customers mechanic. As a courtesy, the customer was not charged for the return back to the truck. A message notating the visit was sent which documented the encounter. 


Later that afternoon, the owner called a third time to advise the driver never left and they wanted us to get the part and repair the truck. This was done and billed. The customer paid agin using XXXX and the driver was on his way. 

We later received an email from square stating the customer never received the first charge we of course disputed and they still ruled in the customers favor as if they did not receive the repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
XXXX account # : XXXX. Looking over my credit report, I saw your company reporting the collection account referenced herein. Following the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information. Original contract agreement, clause in the original signed contract that authorizes the third party like yourself to collect on this debt, statements from the original creditor and itemization of monies owed, copy of bill showing last default date, proof that the debt is valid and collectible and within the statute of limitations for this state, proof that you are licensed to collect in my state of residence and a agreement between your company and the original creditor that authorizes you to collect on this debt. I am allowing you 30 days to give me this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.Your failure to act will result in this matter heading to small claims court for violations of the FDCPA.

Company response to consumer: Closed with explanation