vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 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: PA

Complaint narrative:
I consistently contact the credit bureau via their online dispute center and via phone to remove the hard inquiries on my account because I am a VICTIM of their Inquiry issue. 

I still have these hard inquiries on my account that have not been resolved. I've stated the inquires next as a resolution.

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 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
My account has a escrow shortage and my county has agreed to refund {$3400.00} for the overpayment and shortage. On XX/XX/2021 the supervisor from the county tax office and I did conference call with the tax department at my mortgage company and a refund request application was sent to the mortgage company and they still will not fill out the form and send back to the tax office to at least try to help bring my account current. I have never missed a payment and yet again my mortgage company is refusing to work with me to make sure that I don't get behind in payments because the shortage has caused my monthly mortgage payments to increase to XXXX monthly. I am a single mom who is only trying to provide the best life possible for my daughter. I can't afford {$3200.00} monthly, this will cause financial hardship and possible foreclosure. I wish the tax department would just send the signed refund request application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: CURO Intermediate Holdings
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX is reporting that I was late on 2 payments 2019. The first one that there are reporting is in XX/XX/2019. In XX/XX/2019 XXXX XXXX XXXX is reporting that i was 30 days late on a full payment which is {$400.00} The second payment XXXX XXXX XXXX is not reporting correctly in XXXX of 2019 stating that i am 60 days behind. both are not correct. I have disputed the late payments with all 3 credit bureaus. Also, I have reached out to XXXX XXXX XXXX multiple times.

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX is reporting that I was late on 2 payments 2019. The first one that there are reporting is in XX/XX/2019. In XX/XX/2019 XXXX XXXX XXXX is reporting that i was 30 days late on a full payment which is {$400.00} The second payment XXXX XXXX XXXX is not reporting correctly in XXXX of 2019 stating that i am 60 days behind. both are not correct. I have disputed the late payments with all 3 credit bureaus. Also, I have reached out to XXXX XXXX XXXX multiple times.

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 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Called myself and my husband multiple times even after I asked not to be called and for them to not call my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX I was advised by Chime bank that my account was being placed on hold until I can verify activity of deposits to my account. Initially and with much urgency I replied to the email and advised them that I had recently received XXXX rather large deposits into my account the first large deposit in the amount of {$19000.00} which came from a lender by the name of XXXX XXXX, this deposit was for a small business loan to support activity for my sole proprietorship as a seasonal XXXX XXXX. I received the loan from XXXX on XX/XX/XXXX. A few days later I received a deposit in the amount of {$8900.00} from an insurance company that goes by the name of XXXX XXXX  for a payout on my vehicle that was totaled in a recent car accident. Chime bank initially requested my picture Identification and anything that supports my proof of residence secondary identification and any documents that supports the deposits received. I then sent as a reply to the email my drivers license social security card a copy of my utility bill and the release that I signed for the insurance company along with a page from the company that sent the small business loan stating the amount and deposit account numbers for destination of the loan. After receiving the supporting documentation chime requested a picture of me holding my identification and a tax return transcript that supports sole proprietor and I sent those items to them as well. I also explained to chime that according to the sequence of deposits that I had already allocated and spent the funds that were deposited for my business loan and that the funds remaining in the account were my personal funds from employment cash transfers and the money from the insurance company. After going back and forth with them for 4 days I advised them that I had provided them with as much information that I could and that I didnt have anything else to give to them and they closed my account and said that I was ineligible for a refund they also stated that I wasnt in compliance with their internal policies and would not explain any further after I asked several times for an explanation. They made it as to where I can only talk to them via email and they no longer reply I had to find other avenues by going through XXXX bank to open a ticket for resolution. I was hung up on several times when they asked what I was calling about after verifying my account they would then disconnect the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I have a PayPal XXXX account for my company XXXX XXXX. During the year 2019, I was operating a PayPal account using my company 's email ( XXXX ) and tried to sell items that PayPal did not allow for the sale of in their acceptable items list. I was selling Vaporizers in accordance with Oklahoma law where I was selling them. PayPal 's brand risk department and I spoke through email correspondence and resolved the issue I removed all vaporizers from my store and stopped selling them. 
PayPal then fully reactivated my account, and I did not try to sell vaporizers anymore instead men 's clothing and electric bicycles were the products I decided to sell. During this past XXXX, I started using PayPal 's currency conversion tool that is in their Money tab to convert my USDs to Foreign XXXX Currencies ( I diversified spreading risk among multiple investments in foreign currency as my Finance Degree told me to ). I chose well, and my investments increased in value due to increases in exchange rates. PayPal then froze my account again and sighted my trying to sell vaporizers as the reason for the freeze. I have actually had really bad sales through PaPal and only had been using it to store small amounts of capital I was using for advertising payments to internet-based ad agencies in attempts to sell the men 's suits, and electric bicycles I had purchased wholesale from XXXX manufacturing plants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I recieved notices dated XX/XX/2021 and XX/XX/2021 XXXX the Denial Letters XXXX whereby lender denied my request to subordinate my second position loan ( the XXXX XXXX  XXXX ) to a new first position mortgage. I have also sent a letter dated XX/XX/2021 in response to XXXX XXXX  's initial denial letter. 

Within the Denial Letters, the reason given for denial is that it was based on a business decision. I am currently experiencing a financial hardship and request that that Select Portfolio Servicing and XXXX XXXX  reconsider my request to subordinate my loan to reduce my monthly interest in the refinance of my property which will reduce my monthly payment without changing the XXXX XXXX  loan whatsoever. On XX/XX/2021 I sent XXXX XXXX a recent notice by my employer regarding a reduction in my salary XXXX 20 % reduction ) due to the present economic environment. I am trying to amicably reduce my expenses and thus far, I have managed to keep current on my mortgage. To be clear, I am not claiming a COVID financial hardship, and I request that XXXX XXXX  do not report my account as a COVID financial hardship. Hence, SPS or XXXX XXXX  may not mark my account as a COVID hardship and doing so will cancel my ability to refinance my home. 

I have previously shown that the refinance of the property will save me more than the payment to SPS or XXXX XXXX. I have encouraged XXXX XXXX  to accept the subordination agreement to avoid unnecessary action on my part. 

I am concerned that I will not be able to make the payment, particularly if XXXX XXXX XXXX and XXXX XXXX  continue to refuse to subordinate the loan to a new first mortgage. 

Although XXXX XXXX  has asserted that the denial of the subordination of my XXXX XXXX loan is based on a business decision, it would seem to me that the best business decision would be the one that would mitigate risk to the mortgage owner. Not only would consenting to the subordination of my mortgage facilitate a lower interest rate and lower payment, the denial of the subordination would only serve to increase the risk of affordability, especially during the current climate of economic uncertainty due to the XXXX pandemic. 

I have advised XXXX XXXX  that time is of the essence in the refinance of my first mortgage as I do not want to lose the opportunity of closing at my current rate lock.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I have disputed multiple times payment history is incorrect on account. This account is showing open from 2015 and has no payment history but yet has late payments? I have also sent them a certified letter disputing errors and they did not respond at all. It has been 30 days now as well and they have not responded according to the Fair Credit Reporting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I enrolled in the Wells Fargo Forbearance plan last XXXX. Before I enrolled in the forbearance plan, my loan balance was {$160000.00} XXXX or {$150000.00} from Wells Fargo representative ). After 5 months, when I am ready to resume monthly payment to the loan, I found out that my loan balance is increased to {$160000.00}. I didnt make any modifications to the loan. I called the Wells Fargo loan department. The representative told me that the increased amount of {$4900.00} XXXX $ XXXX {$150000.00} XXXX is the total deferred monthly payment, and is added back to the loan balance at end of the forbearance plan. However, the deferred amount did not deduct from the loan balance at the beginning of the forbearance plan. So, I need to pay XXXX the deferred monthly payment. The loan balance should not change at end of the forbearance plan since the loan was not modified. I called Wells Fargo several times and spent more than 10+ hours on this case, and they refuse to fix the mistake.

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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I received a ATM Debit card from Chase Bank. I never had a Chase Bank Account or opened a Checking Account with Chase Bank. This is identity theft and fraud. They used my social security account, birthday, and address. Chase Bank caught it and closed the account due to fraud and send us a check in the amount of XXXX cents. We called the bank on the XX/XX/2021 to make sure the account was closed due to fraud. We went into the branch on XX/XX/2021 to return the check. I am not taking responsibility of this account or the check. They wrote void across and I kept it for my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have disputed multiple times payment history is incorrect on account. This account is showing open from 2015 and has no payment history but yet has late payments? I have also sent them a certified letter disputing errors and they did not respond at all. It has been 30 days now as well and they have not responded according to the Fair 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 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My account was hacked and there was an unauthorized charge of {$480.00} on XX/XX/2019. I submitted a claim to Paypal that it was not me who authorized the transaction and someone had been accessing my account. After a few days they responded to me that they were not accepting my claim and that they would leave the negative balance on my account. Now I see in my credit report that XXXX Bank ( collection bank for PayPal ) has a charge off and is lowering my credit score. I went ahead and I paid that balance to avoid any more damage to my credit. But now I cant even buy a car at a low interest rate because of this account is still showing on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
On XX/XX/2021, I called deliquent recovery to work out a payment arrangement on debt. I was told by the Judge and Attorney XXXX XXXX on XX/XX/2021 to work out a payment plan with the collection agency. On my paperwork Attorney XXXX notated for me to speak with " XXXX ''. When I called XXXX transferred me to " XXXX ''. I offered {$60.00}, {$80.00}, and {$100.00}. I explained to her that that's what I could afford. She started yelling at me and told me I was ridiculous and I better get out of the double digits. I explained that I was told to call and work out a payment plan. I asked to speak with XXXX XXXX she told me that he was in court and that he worked for them. I told her that my balance is XXXX and she told me my balance was XXXX. My paperwork has the amount, but she trying to make me pay more. Also, they are trying to make me pay for damages to an apartment, however, the landlord could not provide pictures of the damages. I dont agree to having to pay for something that could not be proven. She said she was going to garnish my paycheck and hung up the phone.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I wrote a check for {$6400.00} to XXXX on XX/XX/2020, but the payee of the check was changed to XXXX. The payee was changed to be an invalid check. I went to the bank to deal with it, but they deliberately made things difficult., Find all kinds of reasons to shirk responsibility.

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 2021-03-16 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: AL

Complaint narrative:
On or around XXXX, I disputed items with Transunion that were not my accounts. Even though I told them they weren't mines they remain on my credit report. If these accounts have my info they were fraudulent accounts. I asked them for a method of verification and fail to send me a proper one and only said these accounts were mines, without any proof. About two years ago I had to take a company to court for failing to remove an account that someone created by using my social security number. I told Transunion, but they fail to do a full investigation and said they were mines. Here is the info for the dispute results

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 2021-03-16 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: NY

Complaint narrative:
With my identity there has been fraudulent activity going on. I noticed some Inquiries and some closed accounts that I have no knowledge of reporting on My credit report. The items are now negatively impacting my credit score. I have tried resolving several times and now this is getting ridiculous.Not only is this misrepresenting me but it is also holding me back from moving on from this nightmare.

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 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
On XX/XX/2021 i spoke with XXXX XXXX and he told me if i paid {$500.00} that amerisave would lock in a rate of 2.75 % for 90 days. When i told him that i was going with another lender he stated he would try to get my money back. When i reviewed the disclosure it did not state that i had a locked in rate but a floating rate which i had not agreed to. Once he took the money he started communicating through his personal hone number. I text messaged him that i would not use amerisave in the future and let everyone know about the fraudulent {$500.00} lock in rate scam i no longer received any correspondence from him at all and my loan was closed. I should get my money back and people should be aware of this type of fraud. This in my mind constitutes a scam and should not be allowed to happen. I am just trying to get my {$500.00} back.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: NV

Complaint narrative:
I found direct express page on tablet on XXXX upted from XXXX about will my check come normal regust direct deposit from a check be charged stop card shows card to open log into account card mine but I never askedpaper check sent direct express I stimulus payment declined not ready not approved I receive XXXX so I think someone stopped card switch a check shows calendar call first week then XXXX and I'm not getting 2 stimulus I don't know what to do so trying this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with non-monetary relief