vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was trying to purchase a dog for my mother that she found on line, the price of the animal was to be {$600.00} with shipping from allegedly Montana. I was speaking with the guy over the phone trying to gauge some sort of authenticity about him. I checked the website also trying to avoid being scammed. Since I was not sure or trusting I reached out to my banking institution, Wells Fargo for some clarity and assurance about making said transaction via XXXX on XX/XX/2020. the gentleman that I spoke with told me that my money would be covered if I did not get what I was purchasing after I explained what my issue was with the seller. After I was assured by my bank that I was protected I proceeded with the transaction over 2 days time sending {$500.00} on the XXXX of XX/XX/2020 and {$100.00} on the XXXX to XXXX XXXX. Shortly after I started getting the run around about the dog. Then I called Wells Fargo to dispute which went well, they told me give it 7 to 10 days for the matter to be resolved. I then reached out to them again and now they are telling me it is nothing they can do because I initiated the transaction even after talking to a supervisor. They also apologized for the first guy giving me false information but its out their control. My issue is had I not been given the assurance from them the transaction would not have been made because I was already suspect of fraud. So now I'm out of {$600.00}, can someone please help?

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 2020-08-16 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 — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I requested from XXXX XXXX a statement or the letter of approval from the year XXXX THE ORIGINAL DATE these credit card were OPENED AND NOT SOLD. 

AGAIN, I do not need a confirmation of when the account was sold to PORTFOLIO RECOVERY IN XXXX. 


I NEED from XXXX  XXXX WHEN THIS ACCOUNT WAS ORIGINALLY OPENED!!!!!!!! 


APPARENTLY, THE WANT TO IGNORE MY ORIGINAL REQUEST OR SWITCH AND BAIT. 
AGAIN XXXX XXXX I NEED A RECORD OF MY ORIGINAL STATEMENT OR THE LETTER OF APPROVAL FROM XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Received a Notice of Collection from Penn Credit Corporation to an address that I have not lived at in 29 years. They are trying to collect {$880.00} from a company XXXX XXXX that I have never ordered from and have never had a credit card with it. I called on XX/XX/2020 to let them know that XXXX XXXX is known as a scam on the XXXX and that their company I am sure is too. They said they have a social security number on file and tried to get me to tell them the last four digits of my number, which I did not. I also looked up Penn Credit Corporation and they have many complaints on the XXXX as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my credit file. see list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate this account. in pursuant to the FCRA section 6099 ( A ) ( B ) ( C ) I would like the name, email address, the addressed telephone number of the person who furnished and verified this derogatory information with transition. further I am requesting verification the amounts of any and all payments that led to this alleged debt being placed on my transunion consumer profile. al information pursuant to the FCRA section 609 should be mailed to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, tx XXXX. I am disputingand requesting information on the following accounts. account name XXXX XXXX. account name enhanced recovery XXXX XXXX. account name XXXX XXXX XXXX. failure to properly investigate the accounts listed above will result in a " non verification '' which requires that the inaccurate information be immediately removed from my credit file. if any items return as verified please provide all records in regard to the FCRA section 609. I also  understand that the Fair Credit Reporting Act -specifically 15 USC section 1681i ( D ) AND 1681 J- requires that I receive both written notification of the appropriate corrections and updated credit report at no charge. thank you for your attention to this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NC

Complaint narrative:
ok back in XXXX i had several loans out then i finally got them all consolidated with fed loan i have talked with fed loan reps and they see the problem and tried to help me but since i had so many seperate loans for being consolidated it was exhausting..so i was finally told about what deferments was because i had lost my job and was unable to pay so i got them and everything was ok i was supposed to every year get another one so i moved to another state and my deferment ran out i didnt recieve a notice or anything about i need to get another one finally my mail caught up with me but by that time i had been without deferment for 90 days quickly fed loan reinstated my deferment with no problem but would not remove my late pmts now since i had so many loans it shows on my credit like 8 missed pmts or maybe 10 all im saying since these loans was consolidated shouldnt i just have one missed pmt of 90 days instead of 8 to 10 which now like with XXXX  XXXX is seriously stopping me from getting a mortage all im asking is why should i have so many missed pmts it degrates my credit with so many missed pmts i acknowledge the missed all im asking is why so many consecutive have to show instead of just one missed pmt of 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not recieved a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong person hands.

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 2020-08-16 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
I have a loan with UAC/CARHOP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both all 3-bureaus and UAC/CARHOP with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 30 days late

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 2020-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I started a company and used my PayPal to collect goods and services from customers. They then banned my account on XX/XX/XXXX and when I called they told me that they had no reason to ban my account what so ever. They said and I quote we can not give you specific reasoning to why this account was banned because we dont have one. They then said they are holding the almost {$2000.00} for 6 months. But said that I should make a business account and that I can still use my account that way. I then made one and connected my website to it via XXXX. Immediately once I connected my bank account they put my account under review on XX/XX/XXXX. While I followed every single guideline for PayPal.  Then today on XX/XX/XXXX they banned my account again for not one reason at all and am holding my money, around {$7000.00}, for 6 months. They are making money off of my money while I need that money crucially to run my business. They discriminating against me for no reason at all what so ever. They told me I could use my business account but immediately banned it once I had more money in there and found out it was my business. Which this business is  legal. I own a XXXX XXXX business where I XXXX XXXX XXXX XXXX XXXX. I have all legal documents to run this business, Tax ID, Kansas Tax number, Kansas State resell certificate, and every other document I can think of. This is getting ridiculous from PayPal as they are holding close to {$10000.00} in 2 accounts that I need now. They accused me of being a liability, but I have NEVER had a customer charge me back or even start a case to charge back. Thank you guys for all the help you will provide me with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STERLING BANCORP
State: DC

Complaint narrative:
My husband and I contact Sterling National Bank, to inquire about mortgage forbearance in XXXX. We requested the terms of any possible forbearance to be sent to us in writing. Within a few days, the bank sent us a letter detailing the forbearance. After review, we decided not to execute the forbearance paperwork. We continued to pay our mortgage on time, in full. Interestingly, Sterling National Bank continued to send us our regular monthly paperwork, showing that our payments were received, and showing an ongoing reduction in our mortgage. I would emphasize, we NEVER signed paperwork executing the forbearance paperwork. 

On XX/XX/2020, we received notice that our forbearance period was ending, and we immediately investigated our credit and saw that Sterling National Bank had put our account into forbearance ( but collected our full mortgage payment monthly ), and notified credit bureaus. Sterling National Bank had no right to put our accounts into forbearance, and unilaterally put our account into forbearance without our agreement. This is in clear violation of federal law not to mention traditional contracting principles. Moreover, Sterling National Bank continued to receive our full timely mortgage payment monthly, and never mentioned forbearance on our monthly mortgage statement. 

We request that the CFPB immediately investigate Sterling National Bank. Their mistake will likely have impacted not only our mortgage, but countless others. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX. MY PHONE IS XXXX. MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX. I HAD A SECURED CREDIT CARD ACCOUNT WITH CITI BANK SINCE ONE YEAR NOW AND I DECIDED TO CLOSED IT SINCE THREE MONTHS AGO BECAUSE I NEED MY FUND TO PAY MY BILLS DUE TO THE PANDEMIC, I HAVE NOT WORKED FOR A FEW MONTHS NOW AND I NEED THE FUND TO PAY MY BILLS BUT EVERYTIME I CALLED THE SAID THE FUNDS IS ON THE WAY TO ME FROM SINCE LAST MONTH BUT I HAVE NEVER RECIEVED ANY. MY ACCOUNT NUMBER IS XXXX XXXX XXXX XXXX. I ALSO HAD CHARGES THAT WAS REFUNED TO ME ON THE ACCOUNT BUT SINCE I CLOSED THE ACCOUNT THE PUT BACK THE CHARGES THAT WAS REFUNED AND REMOVED FROM MY FUNDS WHICH I HAD TO PAY. THESE CREDIT CARD COMPANYS DON'T CARE ABOUT HOW MUCH PEOPLE HAVE TO STRUGGLE IN LIFE BUT ALL THE WANT TO FIND A WAY TO RIP YOU OFF, THIS IS ONE OF THE MAIN REASON WHY EVERYONE HAVE HAVE TO SUFFER THIS PANDEMIC. THER ARE NO HONESTY NO SYMPATHY FOR ANYONE, EVERYTHING THAT MATTERS IS MONEY AND POSITION NOTHING ELSE. I WOULD BE GREATLY APPRECIATE YOUR HELP AND YOUR SUPPORT ON THIS MATTER AS SOON AS POSSIBLE. THANK YOU. 
XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a checking account ending in XXXX and I provided the CPA letter to show business ownership to Chase Bank via email and sent it to XXXX I need my funds that are rightfully owed to me. This is {$22000.00} that I have to pay back to the government. I also need the other remaining funds of {$4700.00} which is a total of {$26000.00} I spoke to XXXX at the executive office and did not hear from him nor anyone at Chase since XX/XX/XXXX and it's already XX/XX/XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
Received a Notice of Collection from XXXX XXXX XXXX to an address that I have not lived at in 29 years. They are trying to collect {$880.00} from a company XXXX XXXX that I have never ordered from and have never had a credit card with it. I called on XX/XX/2020 to let them know that XXXX XXXX is known as a scam on the XXXX  and that their company I am sure is too. They said they have a social security number on file and tried to get me to tell them the last four digits of my number, which I did not. I also looked up XXXX XXXX XXXX and they have many complaints on the XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Dear sirs, We have been clients of HSBC Bank since XXXX. First abroad and then in the USA. 

But since we are XXXX  and dont live in the USA, we have just maintained our account, and we used to receive statements by the post. Suddenly they have stopped arriving, but since it is not our main account, we haven't noticed. It hasnt changed the balance over the years and we weret worried about it. 

In the beginning of XX/XX/XXXX we received an email from the manager,  saying that the account is negative. And a week later 2 cards by post office - dated XX/XX/XXXX and XX/XX/XXXX. 

We are astonished to get acknowledge that our account has been emptied, without a single email notice, or written letter, explaining that there would be a monthly charge of US {$50.00} if the balance was below a minimum balance of US {$75000.00} after a determined date! 

We checked the account and was successful ordering previous statements ( online, inside the accounts service ) - that the Bank sent by mail - the envelope arrived fastly. More astonishing - they began deducting on XXXX XX/XX/XXXX. 4 managers took care of the account since then. NONE OF THEM, NEVER, HAS EVER INTRODUCED THEMSELVES, CALLED OR SENT AN EMAIL OR A LETTER - NONE EVER PRETENDED TO TAKE CARE OF THE ACCOUNT OR CARE FOR THE CUSTOMER. NONE OF THEM GOT IN TOUCH TO OFFER TO LOWER THE CATEGORY OF THE ACCOUNT, TO BE CHARGED A MONTHLY FEE OF US {$3.00}. 

On XX/XX/XXXX I got in touch thru a chat, explained the case, asked for a ombudsman contact, but the answer is that nothing can be done, and that there isnt an ombudsman contact. The attendat offered that the accounts manager gets in touch, bus this hasnt happened. I asked for the cHat transcript thru e-mail, I gave 2 email addresses but hasnt received it in any of them. Fortunately I saved a pdf copy of it. 

Today, XX/XX/XXXX I tryed to check the balance in order to check if they continue debiting the account, but theres a message to get in touch and I cant access the extract or balance. 

We kindly ask you to refund our account, since we didn't have at all the opportunity to make a deposit and adequate to the new conditions of the bank. We were deeply harmed by this situation and it is not fair to face such a great loss inadvertently. We just want to be refunded and proceed the account closeure, with minor prejudice We really appreciate your best efforts and attention in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc.
State: NJ

Complaint narrative:
I was with Prosperity Home Mortgage LLC and I had difficulty in the application process. I was not happy with the service or how I was being treated. During this time I was made to pay {$500.00} for an FHA appraisal before any underwriting began and I would like to have a copy of it as I was promised. I called this morning XX/XX/2020 and was promised it would be emailed to me today XX/XX/2020 immediately. This company always promises things and then doesn't carry through. Please allow me to get my appraisal and have my FHA loan number freed up for my new lender to process my loan.

Company response to consumer: Closed with explanation