vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was contacted by a collections agent in XXXX XXXX regarding a late payment to TD Bank, NA, for a XXXX XXXX account. When setting up the account, I elected the autopay feature, which effectively paid my balance monthly. I stated this to the agent, and she confirmed that I was enrolled in autopay. However, she then told me that when the phone is paid off and the account reaches a XXXX balance, the autopay feature stops. This was never communicated to me prior to enrolling in autopay. 

Although there was a XXXX balance at that time due to the phone being paid off, the insurance for the phone was still being billed to that account. I assumed the account was being paid off because I had previously been enrolled in autopay. TD Bank, NA, then assessed late fees and negative reports to the credit bureaus. The " late '' payment ended up significantly adversely affecting my credit score and history, although I have never had any adverse actions in the past. 

I was instructed to fill out a XXXX XXXX Credit Report Dispute Form and wait to hear back from their institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I can not see my free annual credit report. When I went to transunion website, it just kept the loading page up for my credit report. I never got to see my report. I have sent a screenshot of the previous report and what keeps popping up when I try to view my credit report. I have called in twice and have used to live chat twice over the past 45 days and this issue has not been fixed.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
THIS COMPANY MICROBILT CORPORATIO Inquiry : XXXX. XXXX, XXXX  ADDED A HARD INQUIRY TO MY XXXX CREDIT REPORT WITHOUT MY AUTHORIZATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX AND TRANSUNION AND XXXX CONSPIRED TO CHARGE ME FOR SERVICES RENDERED WHEN THEY NEVER RENDERED ME ANY SERVICES. 

I ORDERED XXXX SERVICES ON LINE AND PHONE AND THEY SET A DATE IN ONE WEEK TO SETUP THE SERVICES AND ON THAT DAY XXXX NEVER SHOWED UP TO INSTALL ANYTHING. I CALLED THEM AND THEY SAID SORRY THEY COULD NOT MAKE IT BUT THEY WOULD COME BACK OUT IN ANOTHER WEEK. I TOLD THEM NO THAT I WANTED EVERYTHING CANCEL AS THEY DID NOT HAVE THE COURTSEY TO EVEN CALL ME FOR NOT SHOWING UP AND I DID NOT WISH TO DO BUSINESS WITH SUCH A POOR COMPANY. THEY NEVER CAME TO MY HOUSE PERIOD FOR ANYTHING. 

NEXT I CALLED XXXX AND THEY SAID ALL WAS CANCELLED. 

THAN I GOT REPORTED TO THE TWO CREDIT COMPANIES. AND WROTE BOTH CERTIFIED LETTERS TO NO EFFECT.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX AND XXXX AND XXXX CONSPIRED TO CHARGE ME FOR SERVICES RENDERED WHEN THEY NEVER RENDERED ME ANY SERVICES. 

I ORDERED XXXX SERVICES ON LINE AND PHONE AND THEY SET A DATE IN ONE WEEK TO SETUP THE SERVICES AND ON THAT DAY XXXX NEVER SHOWED UP TO INSTALL ANYTHING. I CALLED THEM AND THEY SAID SORRY THEY COULD NOT MAKE IT BUT THEY WOULD COME BACK OUT IN ANOTHER WEEK. I TOLD THEM NO THAT I WANTED EVERYTHING CANCEL AS THEY DID NOT HAVE THE COURTSEY TO EVEN CALL ME FOR NOT SHOWING UP AND I DID NOT WISH TO DO BUSINESS WITH SUCH A POOR COMPANY. THEY NEVER CAME TO MY HOUSE PERIOD FOR ANYTHING. 

NEXT I CALLED XXXX AND THEY SAID ALL WAS CANCELLED. 

THAN I GOT REPORTED TO THE TWO CREDIT COMPANIES. AND WROTE BOTH CERTIFIED LETTERS TO NO EFFECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023 a fence contractor XXXX XXXX of XXXX asked me to XXXX him {$3500.00}. The payment options were XXXX or cash to obtain village permit and materials before beginning the construction. I thought the bank would protect me from fraud or fight the other bank on my behalf to get my money back especially if there was a scammer and fraud involved. They have not even tried. My bank ( Bank of America ) said there is nothing they can do but as his bank ( XXXX XXXX  ). They should have protection against scammers and fraudulent transactions. People like him should not be protected. His account should be over drafted or frozen not protected. The fact that I have to be the one fighting instead of the institution is unacceptable and unfair.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please update your system, this is causing plenty of heartburn for me. Thank you.

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 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Aidvantage is my student loan service provider managing my loans. I have two Federal unsubsidized loans : 1 ) graduate unsubsidized loan {$6800.00} 2 ) graduate unsubsidized XXXX XXXX loan {$6600.00}. As of now, I am unemployed and told i'm in the " SAVE '' plan according to studentaid.gov. 

Interest should NOT be accruing for both of my loans given my income is {$0.00}, unemployed. My monthly payment according to Aidvantage is {$0.00} per month. However, interest per loan is accumulating every day for loan 1 ) {$1.00} per day loan 2 ) {$1.00} per day. 

As of XXXX XXXX I have accrued interest of {$46.00}. 

Aidvantage is NOT following studentaid.gov guidelines.

Attachment is proof of quantities charged from Aidvantage towards my name.

Attachment is proof of legislation from Department of Education stating " STOP charging monthly fee ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet is an utter failure. They are not able to handle the new rollout and can not give any real answers to simple questions such as " When will my payments post on my account '' or " when will my updated payment plan be instituted ''. This company is going to literally cost people XXXX  of dollars becuase of their incompetence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
We have been trying to work with Freedom Mortgage for almost a year now. We got a little behind and after that we got to a point where the company wouldn't allow until to make a payment and we hired a company called the XXXX XXXX to help us they didn't help us at all. We have children age XXXX and XXXX we have memories and want to keep our home. We have done everything we know to do do. Can you please help us. We submitted everything Freedom Mortgage requested and it seems like the information would time out and then they would request more since XXXX of XXXX  and now we are in XXXX and basically about to be homeless. At one point in this process we did refinancing and because the notary didn't sign her middle initial that caused alot of issues. We just want to be able to resume payments and keep our home.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
LETTER OF INTENT TO SUE EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX Effective Date : XX/XX/2023 RE : Notice of Intent to File Lawsuit To whom it concerns, This letter of intent to sue shall serve as formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : 1. Unauthorized use of personal information 15 U.S. Code 1681b. 
2. Redundant inaccurate reporting, after numerous certified mail disputes 15 U.S. Code 1681n - Civil liability for willful noncompliance/ U.S. Code 1681s-2 ( b ) Reporting information after notice and confirmation of errors 3. There are multiple references of dated, late and missed payments which are a part of transaction history the listing of such is illegal see 15 U.S. Code 1681 ( A ). 4. Inaccurate, unfair and Noncompliant reporting has ruined my image during background checks for security clearances, and the option to rent. Ive personally missed 3 job opportunities over XXXX each due to negative credit shown on my consumer report. Ive also had to consult with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX after XXXX and financial hardship. 
. 
I. The Plaintiff. XXXX XXXX XXXX XXXX. The Defendant. Equifax III. Settlement Demand. 
Equifax Data breach Settlement Claim Number : XXXX As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX XXXX XXXX ( {$220000.00} ) for psychological, financial, reputational damage. 
This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 30 days from the Effective Date. 
V. Governing Law. This Letter of Intent shall be governed under the laws of the State of North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
I opted out of the XXXX forbearance program when my loan was with XXXX XXXX. when Mohela took over my student loans they put me into the forbearance. I contacted them and they told me I had to recertify my ibr program to get out of the forbearance. I didn't feel like that was fair but I went ahead and I recertified for the XXXX. this did take my loan out of forbearance. I don't know for how long because the next time I checked, it was in forbearance again. I call customer service again they tried to tell me I had to recertify again I told them I would not and I did not have to because I had already recertified and I opted out of the XXXX forbearance. they got rude with me and said that " well most people do the forbearance '' and I told them I didn't care what most people did I opted out I wanted my loans immediately taken forbearance and put into the repayment because my ibr repayment is {$0.00}. I got a notice yesterday that due to the forbearance program that they put me in against my will against my wishes that I now have to pay them XXXX by XX/XX/XXXX. I am beyond fed up with this as I continue to try to take care of this even though it's not anything that I did wrong. I did all the proper steps. I opted out of the forbearance program. I've recertified my ibr. I have taken care of this student loan for more than 10 years without a problem until I experienced the servicer Mohela. I need them to correct my loan by back dating taking off that forbearance. correct every month for that XXXX that I should have been counted for XXXX and not in forbearance and get rid of the {$7000.00} payment that I have no idea what it's even for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Back in XXXX my credit got messed up, XXXXXXXX XXXX XXXX put in on report, I totally understand, XXXX  put in on my credit report twice with two XXXX  companies, now after five years they sell it to LVNV funding and they mark my credit report for a third time, so this is being held against me for twelve years, they make it where you can never get on your feet. XXXX made a lot of money off me since XXXX when I first received the card. I don't think I should be terrorized by them for twelve years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I bought XXXX {$500.00} using my XXXX on XX/XX/XXXX pay a friend. I wanted to transfer it to a wallet but i was told i needed to verify my account.I did upload my ID and picture for verification several times more 10times and was told i could not not be verified. 
I was given a link and and a case number XXXX to upload my my ID and picture, which i did. On several occasion i did chat support they they will say the received my case and it has be escalated and they will get back to me in XXXX hours, its now XXXX since i first uploaded my id. i have not heard from them. I have called customer care about 4times. The last person i spoke to was XXXX on XXXX.He said he would escalate the the issue, I then told him this is the same response i get from the previous staff i spoke with.I also told them that i need a refund of my money that the money was intended to pay for my rent.so i just need my refund pending when ever they complete the verification that usually last 3days they could not help me. My money is still tied down with what app and i have not still been verified.This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
XX/XX/, we were notified they would be adding PMI ( private mortgage insurance ) despite the fact the prior lendor had already removed PMI due the property reaching the 80 % LTV ( loan to value ) being exceeded. They included in the escrow letter PMI notice how to remove the PMI. I followed their instructions and sent them written request to remove the PMI as soon as we were notified in XX/XX/. I foolishly did not get a delivery receipt for this letter or saved a copy as I made the foolish assumption that if we followed their process that this issue would be resolved in a timely manner. I then finally received a letter back from them with their form that needed to be completed for the request in XXXX. I completed their form and emailed it back to them. I then was contacted via email on XX/XX/XXXX that they needed the form sent to them, which had already been completed and sent to them. I resent the same form, ensuring no errors and full completion that same day. XX/XX/XXXX, they sent the same form via email requesting the form be completed. I then sent the form AGAIN on that same day. Finally yesterday XX/XX/XXXX, I received postal mail that I needed complete the form ( THE SAME EXACT FORM ) to complete my request to remove my PMI. I emailed them the completed form AGAIN, now this is the 5th time I have fully complied with their process and it has now been 8 months and they have not completed the request and continue to falsely inflate the cost of my loan to collect funds they are not owed that should have applied towards my principal balance. At this point it seems to be consciously malicious and purposeful to in order to falsely collect over inflated funds they are not owed.

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 2023-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I took a loan for {$750.00} made four payments, 2 months of XXXX XXXXXXXXbiweekly and should have covered the loan and interest which is XXXX XXXX   day/ {$100.00} loaned, I have paid back the loan plus interest, but they are trying to continue to debt my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citicard Bank just raised the APR on my account from 12.5 to 21.5. 
My credit score is XXXX. 
On line I see the average interest rate for a XXXX credit rating is 13.5 I spoke with customer service. I was told I could request a lower rate but there are other factors in addition to credit score. If anything, I have less debt than I had prior to the increase.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please update your system, this is causing plenty of heartburn for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi, I bought this American Express gift card today ( XX/XX/2023 ) and it is active. I bought because the company American express says that it is useable as long as the merchant accepts American Express... Well, it is a gross misrepresentation and a lie. My gift card has been declined by XXXX and XXXX. XXXX even closed my account for 24 hours because of this. Later I googled this phenomenon and came to know other people have also suffered from this. 

I thought maybe it is best to use it on a different merchant that accepts American Express cards, so this is what I did. I ordered XXXX USD worth of products and yet again it went into pending transaction. My question is why was my transaction not completed? Balance of my Gift is reduced by the same amount i.e. XXXX USD but the merchant hasn't confirmed the receipt of the payment. I have a bad feeling that American Express has taken my money in the name of " Pending transaction '' and nothing beneficial will come out of this for me. I have also read experiences of users on internet regarding the same problem and they never either got the products they ordered or received their money back. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was unable to finish paying this credit card due to financial hardships and an ending of a relationship that left me in a lot of debt.

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