vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My home insurance is supposed to be paid by the escrow account. I have made payments on time and the account has adequate funds for this. However, the company did not make payment in time. I have until the XXXX  or my policy will be cancelled. 

I contacted the company via email but they have taken days to response. The phone line is always busy and I was not able to get on the phone with anyone regarding this. It appears they are evading the issue. I have asked them to contact me instead.

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 2020-04-12 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Evidently someone somewhere had a card in my name that i knew nothing about. I had caused great negative harm to my credit report. I got a civil summons to go to court and thats when i started investigating. Now XXXX XXXX and equifax  is saying it its me. Who is going to repair my credit score? It has dropped nearly 200 points due to this. Please see attached images.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
Evidently someone somewhere had a card in my name that i knew nothing about. I had caused great negative harm to my credit report. I got a civil summons to go to court and thats when i started investigating. Now XXXX XXXX and XXXX  is saying it its me. Who is going to repair my credit score? It has dropped nearly 200 points due to this. Please see attached images.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: TX

Complaint narrative:
On or about XX/XX/2020 I filed a dispute with Paypal about one of their merchants. I provided Paypal with massive amounts of information supporting my claim. They took well over 10 days to respond to my dispute without reviewing my documents and decided to close it. I appealed it and they came back with another closed case. Their reason was I chose the wrong dispute reason. I tried to change the reason and Paypal only gave me one option to choose and I chose it. After having done that It took them less than 10 hours to close the case permanently. I called and they have no customer service agents, I even sent a message through their online message portal and I have gotten nothing back from them regarding my dispute. What happened was on XX/XX/2020 I purchased a service from one of their merchants in the amount of XXXX. On XX/XX/XXXX the merchant canceled the service and did not return my funds. I contacted Paypal about it and they have not been willing to work with me at all. I can speak to no one, chat with no one, I have contacted the merchant and they are non responsive as well. PayPal is supposed to be a safe and secure way to pay for items and I have taken advantage of by their merchant with no resolve from them. I am contacting CFPB for help in this matter as Paypal had neglected their oath as a responsible party in this matter. Paypal gets a cut of the money I extended their merchant I am just trying to get my funds back. That is all seems like extortion. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: IL

Complaint narrative:
My first time was on XX/XX/XXXX. Money was taken from a debit card. For XXXX at XXXX in XXXX, Il it was from my Direct Express Card then the next time, I had money come off my XXXX checking acct for XXXX. I believed my apartment has hidden camera because when trying to send emails I can't and the wall and floors tap is their anyway you can help me because this has happen several times I'm trying to move. Whoever is doing this to me is nearby. What do you suggest? Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was inquiring about getting credit or a loan. I filled out this form and it was said that they will do what is a Soft inquiry that would not make my credit score go down. They hit my credit anyway and now my score is lower.

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 2020-04-12 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
i DID NOT AUTHORIZE THIS INQUIRY. The site says it will giveme an aswer in minutes which they did do. But they said it would be a soft inquiry. They instead did a hard inquiry making my score go down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
i DID NOT AUTHORIZE THIS INQUIRY. The site says it will giveme an aswer in minutes which they did do. But they said it would be a soft inquiry. They instead did a hard inquiry making my score go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I sent letters to Experian, XXXX, and XXXX For a dispute request about items on my credit report that were not accurate. I sent them a second letter on XX/XX/2020, with a 30 day demand to comply letter because I did not hear anything within the first 30 days. It has been over 30 days and I have not heard back from Experian, XXXX, or XXXX on these matters.

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 2020-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from Wells Fargo indicating that they have a promotion available for me if I open a new business account and fund it with {$25000.00}. I went to the branch & the business account specialist told me I would recieve BONUS of {$1000.00} after opening a new account & maintain balance of {$25000.00} for 6 months. I did exactly what the specialist told me. In fact, I kept over {$140000.00} in the account. After 7 months, I realized i never received the promotion and contacted the same specialist. After looking into it, he notified me that Wells Fargo cant honor the contract because I never used my ATM card. I explained to him that I never received my ATM card. Wellsfargo has used a loophole in their system to deny me my {$1000.00} BONUS despite the fact that I maintained over {$100000.00} in the bank account for the term of the bonus promotion. I am requesting that Wells Fargo honor their promotion & deposit the {$1000.00} BONUS as I have honored my portion of the agreement. 

Business Name : XXXX XXXX XXXX. 
Business Checking Account # : XXXX My customer relationship with Wells Fargo dates back to XX/XX/XXXX. It is disheartening to know that they will breach the contract for a simple {$1000.00} bonus despite the fact that I have deposited millions of dollars over the the years I am prepared to take legal action against Wellsfargo for breach of contract if my {$1000.00} BONUS is not applied.

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 2020-04-12 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: CA

Complaint narrative:
On XX/XX/2020, I sent letters to XXXX, XXXX, and TransUnion For a dispute request about items on my credit report that were not accurate. I sent them a second letter on XX/XX/2020, with a 30 day demand to comply letter because I did not hear anything within the first 30 days. It has been over 30 days and I have not heard back from XXXX, TransUnion, or XXXX on these matters.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I sent letters to XXXX, Equifax, and XXXX For a dispute request about items on my credit report that were not accurate. I sent them a second letter on XX/XX/2020, with a 30 day demand to comply letter because I did not hear anything within the first 30 days. It has been over 30 days and I have not heard back from XXXX, XXXX, or Equifax on these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 I received a letter from CHASE indicating that they have a promotion available for me if I open a new business account and fund it with {$1000.00}. I went to the branch & the business account specialist told me I would recieve a BONUS of {$300.00} after opening a new account & maintain balance of {$1000.00} for 6 months. I did exactly what the specialist told me. In fact, I had over {$10000.00} in the account. After I realized that I only need to maintain a minimum of {$1000.00} to make the promotion valid, I went into the branch to withdraw the additional {$9000.00}. I immediately went into a CHASE branch and explained to a bank teller the situation & SPECIFICALLY ordered the teller to withdraw the maximum amount that will leave {$1000.00} in the account. A month later I recieve a statement indicating that my balance fell below the required {$1000.00}. The bank teller incorrectly withdrew more leaving only ~ {$990.00} in the account for whatever reason ( poor arithmetic skills, lack of training, intentional ). As a result, CHASE notified me that that could no longer honor the {$300.00} promotion. CHASE has used a loophole in their system to deny me my {$300.00} BONUS despite the fact that I instructed the teller to ensure that {$1000.00} is in the bank account f. I am requesting that CHASE honor their promotion & deposit the {$300.00} BONUS as I have honored my portion of the agreement. 

Business Name : XXXX XXXX XXXX Business My customer relationship with dates back many years so It is extremely disheartening to know that they will breach the contract for a simple {$300.00} bonus despite the fact that I have deposited millions of dollars over the the years. I am prepared to take legal action against CHASE for breach of contract if my {$300.00} BONUS is not applied. 

I want the CFPB to publish this complaint. I am requesting that the CFPB ensure that CHASE honor their contract or I will take legal action against CHASE for breach of contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-12 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: NY

Complaint narrative:
On XX/XX/2020, I received a letter from FedLoan, U.S. Department of Education, stating that " On XX/XX/XXXX, the President signed the CARES ACT ''. Through THE CARES ACT, FEDLOANS 'PLACED THE [ MY ] LOANS IDENTIFIED XXXX e.g. XXXX # XXXX ] IN AN ADMINISTRATIVE FORBEARANCE FOR THE PERIOD XX/XX/2020, THROUGH XX/XX/2020. '' 1 ). For a student to be placed in Forbearance, THE STUDENT MUST REQUEST and call FEDLOANS Servicing Center at ( XXXX ) XXXX. Upon a request of THE student, " General Forbearance is decided by the LOAN SERVICER '' " if the student is temporarily unable to make [ your ] scheduled monthly loan payments for the following reasons : & Financial difficulties ; & Medical expenses, & Change in employment & Other reasons acceptable to your loan servicer ''. 

2 ) I NEVER REQUESTED A FORBEARANCE from FedStudent Loans Servicing. Although the CARES ACT serves as a protection for those students who experience a hardship during the Corona Virus Shut-Down, there are students LIKE MYSELF who are accepted in the PUBLIC SERVICE FORGIVENESS PROGRAM ( PSFP ). 
3 ) I NEVER INTENDED TO FORBEAR MY STUDENT LOANS AS I AM COMMITTED TO PAY ON TIME 120 PAYMENTS IN ORDER MY STUDENT LOANS TO BE FORGIVEN. PUBLIC SERVICE FORGIVENESS PROGRAM ( PSFP ) DOES NOT RECOGNIZE FORBEARANCE AS A COUNTING PAYMENTS TOWARD A PERIOD FOR FORGIVENESS CONSIDERATION. 
4 ). FedStudent Loans, while BLINDLY adhering to the CARES ACT, is violating [ TOOK CONTROL OVER ] my Consumer RIGHT TO SELECT my best option, pertaining to MY situation and choice NOT TO PLACE MY STUDENT LOANS IN FORBEARANCE. WITHOUT MY CONSENT, such ADMINISTRATIVE FORBERANCE violates the Consumer Protection Laws " The Right to Choose '', or " the customers have access and availability to a variety of quality products and services '', and " The Right to Information '' or " be adequately informed for product, or service ''. THERE IS ONLY ONE CHOICE : ADMINISTRATIVE FORBEARANCE. 
5 ) ADMINISTRATIVE FORBERANCE BY FEDLOANS cut my ACCESS to serve properly my PSFP per the terms and conditions, defined originally in the PSFP acceptance letter. 
6 ) ADMINISTRATIVE FORBERANCE imposed BY FEDLOANS provides NO ADEQUATE information to how this Administrative Forbearance will have a NEGATIVE effect on PSFP PARTICIPANTS. 
7 ). ONCE MORE, I do not wish any Administrative Forbearance. I continue to make regular payments ( made already in XXXX 2020 XXXX toward my FedStudent Loans to asure my good status at Public Service Forgivenes Program. In other words, I execute my Consumer right to 'choose ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I tried to dispute the portfolio recovery it says I owe them XXXX n some dollars on my XXXX XXXX tried several times letting them know even writing in that I believe this was my sister or a family member that use my information and they refused to remove the information they say that you know it's under certain laws I'm not really sure but I didn't do this this is identity that my sister knows my social security birthday is so do a few other family members that are really not the best of people should I say and it's terrible this is the things that I have to go through now because of what she's done or one of my family members

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I hired XXXX XXXX XXXX to file Chapter XXXX to avoid foreclosure. I missed regular payments to JP Morgan Chase for my Home Equity Loan. JP Morgan Chase filed a motion to dismiss the automatic stay. My attorney did not notify me and did not appear in court for me. The judge allowed the automatic stay to be lifted. A sheriff sale was set for XX/XX/XXXX. Due to the Covid-19, the foreclosure was stopped. I re-applied for a loan modification and once again was denied. See complaint XXXX. 
JP Morgan Chase will resume foreclosure after the the Covid-19 foreclosure moratorium. 

The CFPB and other financial regulators have encouraged financial institutions to work with borrowers who are or may be unable to meet their obligations because of the effects of COVID-19. Your servicer should help you identify alternatives that may be available to you given your specific circumstances. 

The only offerings they have are a Standard Short Sale, Deed-in Lieu of Foreclosure. 

I want to keep my home. I have a lot of equity in the home, the city appraisal is {$160000.00}, I owe {$46000.00}. 

I would be able to make the reinstatement amount by the end of XX/XX/2020. JP Morgan Chase will not work with me for a repayment plan or forebearance. 

I am unable to refinance due to the Chapter XXXX and my credit score being XXXX. 

Once I gain my normal hours back after the Corona Virus stay at home gets lifted, I will be able to make my monthly payments, plus additional money if needed and then pay the reinstatement in full be XX/XX/2020, I am asking for help to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 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: NJ

Complaint narrative:
The credit bureau stated they receives the verification from a bankruptcy from the court and that is not true. Since they did not disclose the correct verification process they have to remove the item from my report and not report it again. They removed it before and put it back on which they are not supposed to do.

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 2020-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: IL

Complaint narrative:
I've wrote to all 3 credit bureaus to address some errors i've found on XX/XX/XXXX. As a result of this dispute the information came back verified. In which I totally disagree with. So I followed the steps as directed by XXXX that I could dispute this item directly with the furnisher. So I wrote an letter to Account Resolution Corp requesting to validate this debt they have listed on my credit report. They responded with a print out with vauge information. I asked how can I or anyone determine that this can belong to anyone. I've been scammed before this exact same way! So I sent a follow up letter on XX/XX/XXXX. Please provide this information and what were they methods? So that I may compare them with my records. This company has failed to respond, but continue to report on my credit report as resolved but consumer disputes. 
I am XXXX Veteran. All of my medical needs are handle by XXXX VA Hospital.

Company response to consumer: Closed with explanation