vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: WA

Complaint narrative:
After financial hardship, my loan account from Moneylion that I took out at the beginning of the pandemic went into collections. As of today, XX/XX/2022, the payoff amount is {$140.00} as reported to XXXX, but when I tried to pay the amount on the moneylion app, the loan account wasn't showing and the app wouldn't let me cancel the unused membership without paying off the loan first. 
Since I couldn't find a way to pay it in the app, I logged into the website on my browser, and the website said " Looks like we are unable to process your payment at the moment. Please login to the mobile app to make your payment there instead '' I then called customer support at ( XXXX ) XXXX, where they told me the payment amount is now {$170.00}. Although the difference is {$30.00}, this is still a lot for me, as I've had to save up to have the {$140.00} available to pay it off. The customer service representative on the phone was unwilling to tell me why the balances were different, and demanded that I pay the full {$170.00}. I was unable to come to an agreement with him, as I'm only capable of paying the {$140.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: MA

Complaint narrative:
XXXX  I tried everything to get them to stop charging my card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
When covid hit I lost my job as a XXXX, my husband was already out on XXXX from a XXXX XXXX  and with my mother moving in with me there were not many options ( she is a senior ) I applied for and was granted the pandemic relief - I finally got a job after about a year and wanted to start repaying my house. They refuse every modification and when I apply they do not even ask for paperwork, nothing. They Just deny it. 
I hired a lawyer to help me, they refuse to respond to him. My hands are tied they want the full XXXX  I am behind in full. They will accept no less. 
I saved up XXXX  an they still will not take it even though I am only technically behind {XXXX} in principal and interest. 
They want XXXX  to cover all fees etc.

I would love for them to help me and take a partial payment and allow me to catch up on the balance. They want to foreclose and sell it because of home values right now. They refuse to even consider a modification. 
Please help me! 
This is Mr.Cooper bank that used to be Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
At XXXXXXXX XXXX  on XX/XX/XXXX my credit card was used fraudulently at XXXX XXXX XXXX. While I was at home I received at text message notification from Chase asking if the transaction was made by me. I replied no and the charge was taken off my account, the card cancelled, and a new one sent to me that I have been using ever since. In XXXX of XXXX I looked at my credit card statement and noticed the amount of the charge, {$1700.00}, was added back to my credit card bill. 

I called Chase to inquire as to why the charge was back on my statement. The individual I spoke with told me because I had possession of the card, had no duplicate cards, and had no other authorized users of the card that the transaction was valid as it had taken place at a chip terminal. 

I set to acquiring any evidence I could gather to the contrary. First I called XXXX XXXX XXXX to acquire a receipt regarding the transaction but XXXX XXXX XXXX was unable to get one timely. 

I filed a police report on XX/XX/XXXX with the XXXX  Police Department and sent it to Chase on XX/XX/XXXX and was told that was insufficient evidence to overturn the fraud claim. I called Chase to ask what sufficient evidence would be and was essentially told to send them anything and they would look. 

On XX/XX/XXXX I submitted every statement I have received for my credit card and one and a half year 's of debit card statements to Chase for review regarding the fraud case. The credit card and debit card statements both show I have never shopped at XXXX XXXX XXXX in two years and anything a shopper at XXXX XXXX XXXX  or a XXXX XXXX XXXX member would purchase there I purchase at a multitude of other retailers and vendors. I wrote a narrative describing the credit card statements and debit card statements, impressing the fact that I can not shop at XXXX XXXX XXXX  since I am not a member and have no member ID, I don't shop there for anything XXXX XXXX XXXX customers shop for, and that at the time of the transaction I was at home. This was also rejected and the transaction is still posted to my credit card statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Someone tried to open a Wells Fargo deposit account I received a letter from Wells Fargo. On XX/XX/2022 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 2022-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Complaint is against PennyMac loan services When I bought my home in XXXX initially, I was told that my loan is fixed and the said amount I am paying XXXX approximately. I was my first time buying a home. Overtime this XXXX has a bad dubious business practice. They continue indiscriminative escalate my monthly payment without justification why my monthly payment continues to increase discriminately. Today as of now the hick to XXXX? The sad practice is that the actual amount that goes to my principal is extremely low. Imagine XXXX out of the XXXX $ dollars goes for my principal. The worst still they have been asking me to refinance my house claiming that will provide me an opportunity to saving XXXX XXXX In other words, they arbitrarily hick the prices then ask me to refinance in other to saving money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I had an eye exam with XXXX XXXX XXXX in XXXX, CA in 2017. They told me that I needed XXXX XXXX XXXX XXXX XXXX and was sent to XXXX in XXXX, CA for the XXXX XXXXXXXX. The billing department at XXXX called my husbands vision care provider XXXX XXXX  for an approval and was accepted. After I had the XXXX, I think I received a phone call from XXXX billing department telling me that the insurance did not cover the procedure. I do not agree with the balance because I was misled by XXXX and agreed with the XXXX  because they told me that the insurance company would cover most of it and I would only be responsible for the deductible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I contacted BOA in regards to disputing transactions after my debit card, dl and items were stolen. I had been XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I noticed a payment was declined, checked my account seen my account was drained. Charges range from XX/XX/XXXX XX/XX/XXXX. I called bank, disputed charges. I faxed police report, other items where someone opened a account with chase bank, Car I, XXXX XXXX. Bank of America said they had not received. They denied claim. I called again, faxed papers again. They reopened claim, I called for days asking if they received, each time a representative told me something different. I have the recordings from each of the representatives. Then after a day and half of reopening the claim, they deny claim yet again. In the meantime I have started calling the merchants to dispute from them, they all are stating they did not receive a dispute from bank of America. A few I called tried to reverse payment, but was denied from Bank of Ameica. I have been in contact with Legal Aid, however everything takes time.

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 2022-04-02 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: SC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I submitted a complaint before. 
My loan was transferred from XXXX XXXX to Fay Servicing XX/XX/2021. My investor changed from XXXX to non government investor in the middle of my covid forbearance. 
We were affected by covid. 
Just recently received an approval for the modification increasing payment almost double. 
My payment was almost XXXX with a step rate but max interest rate lower than Fay gave me on the modification. 

My new payment has increased to XXXX With 5.50 interest amortized by 40 years with a maturity date of 30 years leaving a balloon amount that they are charging me interest on plus I will need to either refinance the balloon or pay off which is more interest. 
I had a balloon payment from previous mod that drew no interest. 

They are offering a larger interest rate then current rate today trying to make more money on our loan. 

The home went into foreclosure and Im having no other choice other than to accept this modification to keep our home. The rate is to high We wanted to continue making regular payments. 
I will be making the trial plan payments in hopes and prayer the rate can be reviewed for lower and the balloon payment be taken in consideration to not pay interest on this balance. 

Fay Servicing has been difficult to work with and dont care. The loan officer we spoke to going over the numbers said were past do and the investor can do what they want its not government loan.. even though this changed in the middle of our covid forbearance. We were current prior. 

This is causing us to pay more for this loan, like charging for the modification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: MO

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 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 2022-04-02 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: TN

Complaint narrative:
his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX

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