vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I ordered stereo from XXXX XXXX, and it was paid by Affirm. I reached out to XXXX XXXX  that I did not receive the item and they said the Carrier who delivered said it was delivered and they would not do anything. XXXX XXXX said they will not refund me or send another item because XXXX said it was delivered and shut me out. I reached out to Affirm where I got the loan to pay XXXX XXXX and the did an investigation, they told me it was in XXXX XXXX XXXX  favor and to contact the Carrier who delivered it, I received information from Affirm to reach out to the Carrier which was OnTrack and they said because it took over 6 weeks they can not open a dispute and there was no notes XXXX XXXX ever reached out to me. I did another dispute with Affirm and they said they could do anything to Make XXXX XXXX refund me and I need to reach out to XXXX XXXX I have called XXXX XXXX and still to this day they have not called me. I sent an email and they just say it has been resolved and do not saay anything else. I am not paying for something I have never receive. I have used Affirm many times and now because of this I can not use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I contacted XXXX regarding the credit card issued by Goldman Sachs. In my correspondence, I explained about billing error and asked them to send me documentary evidence for this account. 
They have responded with an email that does not address my correspondence to them. I have called them and no one seems to be able to assist or act like they don't know what I am talking about. 
I have also sent them an endorsed coupon which they received ( everything was in the same envelope ) They have not contacted me to let me know whether they will honor it or not, neither have they returned it, yet the balance has not been updated. 
They continue saying they are a paperless company and continue to violate federal laws, as 12 CFR 1026.13 ( a ) ( 7 ) clearly states the creditor must mail statements to the last known address. 
They have also received my billing error notice package and signed for it on XX/XX/2022 by XXXX XXXX at XXXX ( see attached ). On the email I received XX/XX/2022, XXXXXXXX XXXX they do not address any of the Billing Error Notice I sent, therefore this does not constitute as acknowledgment of the correspondence I sent as required by 12 CFR 1026.13 ( c ) ( 1 ). They also continue collection action on the disputed amount as of the moment I am typing this complaint, nor have they sent documentary evidence for this account as requested. I also requested them to refund all monies paid until this moment, and that has not been addressed either. I requested them to give me access to my open-end credit and I zero it out at the end of every billing period, and still they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am requesting the following inquiries be removed from my credit file. Myself and XXXX XXXX have obtained approval from the creditors to remove the inquiries listed below. If you do not do so please provide valid information proof that these inquiries showed remain after full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
Had an escrow overage. Requested escrow analysis to get overage for property taxes but specifically asked for payment not to decrease as the first year 's property taxes were based on the lot value and would be grossly under estimated for this year, if changed. Received check. Payment lowered. 3 attempts to raise payment have been made. XXXX ext. XXXX Discussed increasing payment back to {$3600.00} on XXXX at XXXX. He is getting with the escrow department to get payment increased after the escrow analysis. Calling me back. Never received a call. Called Back and spoke with XXXX ( dialed XXXX 's ext ) on XXXX at XXXX. Was told by XXXX to call back on Friday XXXX to follow up. Asked why they can't call me? She said that the outbound calls are automated and she suggested me calling back to follow up. Offered to send the Closing Disclosure to verify estimated taxes. No go ( I have attached for verification along with the title work- Please note that this is not my XXXX when reading ). Why is there no e-mail or messages that can be sent back and forth to track progress?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I received an earnings withholding order from Mandarich Law Group regarding a debt that I apparently owed from a company XXXX XXXX XXXX from my employer XX/XX/2025. I contacted Mandarich, the same day to inquire about this issue and to try and stop the garnishment. I was advised that XXXX was suing me on behalf of XXXX to which I've no recollection. I've since pulled my credit report & there's not a single collection from XXXX nor this XXXX and any of the 3 of the credit bureau reports. I'm not sure what to do now because a garnishment has hit my paycheck for {$770.00} for which I can not afford. Right now Mandarich will not stop the garnishment, will not provide me with a debt notice it's become their word against mine and i'm pinned to a corner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I lost my XXXX  a month after I got my XXXX XXXX. I was making XXXX an hour. For the past 2 yrs. I have struggled to make my XXXX car payment every month. I have tried to refinance but my income didn't meet the income guidelines. I have had to have 3 defer payments with this vehicle. I'm jus getting further in debit with it. I am currently employed but with XXXX  and my hours and pay have been cut drastically. My auto loan is with capital one auto loan for the amount of XXXX a month. If u can help resolve this in anyway please feel free to contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: MN

Complaint narrative:
I am requesting TransUnion removal of the following inquiries. I have spoken to all companies and gained approval for the removal of these unauthorized inquiries. Please follow suite and processing the removal of the inquiries.

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I, XXXX XXXX XXXX opened a dispute with XXXX XXXX XXXX on XX/XX/2022. I advised them the information they have is not only inaccurate and unverifiable, I also made them aware I do not give them consent to have any of my information at all. EARLY WARNING SERVICES display person information which includes experiences and personal transactions. Some of which are completely incorrect. All of this is violating me pursuant to 15 USC 1681a ( d ) ( 2 ) Which states the exclusions to a Consumer report. Even after a written instruction of the violations they are committing against me without my consent, they continue to fraudulently report defaming information on my consumer report. I requested EARLY WARNING SERVICES to investigate the information that was being furnished to them by BANK XXXX XXXX, They did not provide me with any verifying documents to validate their data, in fact they sent me a letter stating " We do not have the documents to verify these accounts, please contact the bank '' I called them several times on XX/XX/XXXX, XXXX, XXXX and XXXX of 2022. Asking them to tell me how they verified documents they do not have. EARLY WARNING SERVICES then informed me they did not have access to the documents from the furnisher BANK XXXX XXXX. This makes no sense and is a complete violation. I have been defamed and denied multiple checking and credit accounts because of the information they report without my consent. I then requested an Re investigation procedure description from EARLY WARNING SERVICES pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and they told me on the phone XX/XX/2022 " we do not give you that information because it is our policy '' Which is a violation and fraud. After sending them a written request for this information on XX/XX/2022 via fax and certified mail return receipt. They sent me a response stating " upon review, it has been determined that your dispute does not offer any new or additional information '' EARLY WARNING SERVICES continue to report my information without properly investigating the information furnished to them, they continue to publish inaccurate and personal information about me without my written consent. They continue to ignore FCRA guidelines and damage me everyday they do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
The debt collection company keeps trying to contact me during working hours I am at work. This is impacting my work as I am seeing their phone number appear and its causing me XXXX  and for my XXXX to become an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Some use my identity at Wells Fargo bank i lost ID and got a police to show for it

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 2022-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Synchrony Bank failed to notify customers about changes in its new transfer limits ( for inbound and outbound transfers ). 

According to a bank representative : " the inbound funding limits for all products is {$500000.00} per customer. '' While the outbound funding limits for all products " will depend on the tenurity of your balance to your account, the minimum amount for outbound transfer limit is up to {$25000.00} daily. '' In the past, I have previously transferred ( outbound ) more than {$25000.00} daily without any issues. Now, I no longer can transfer more than that amount. 

Synchrony Bank failed to send letters or post the new transfer funding limits policies on their website informing its customers. Has a Synchrony Bank customer I have now incurred additional unnecessary expenses because the bank failed to communicate said policy changes. 

I requested the bank to share with me its new policies and to post them on its website and the bank did not share all the details about its new policies and only agreed on passing my feedback to its manager. 

I need to withdraw more than the new daily limit and Synchrony Bank is refusing to help me.

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 2022-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I had a home equity loan from XXXX. In XXXX I refinanced the XXXXXXXX XXXX which was supposed to include the equity loan. I was not aware this was out there and not being paid because I never received anything until XXXX. At that time, they were threating to foreclose on my home. Needless to say, I contacted Planet Lending and agreed to take payments. I made all payments on time. After XXXX years of payments, they wanted a balloon payment of {$55000.00}. All the payments I did make of XXXX a month only {$50.00} went towards the principle. I do not have that amount of money on hand. So, I asked if I could continue with payments which they refused. I tried to continue making the payments, but they would not allow any payments to the account after XXXX. Now they have reported them delinquent and have ruined my XXXX score. Every time I try to get in touch with the loss mitigation dept. they hang up on me. When I agreed to the original loan pay off had no choice or lose my home. I have attached a copy of the bill for XXXX and a letter received. They are asking for the payments which I attempted to make but they refused payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Amex Hard Inquiry Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within 60 days this is still not removed. 

XXXX Hard Inquiry Dates without consent on XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within 60 days this is still not removed. 


XXXX Hard Inquiry Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX investigated and ruled unfounded. 

I have credit alerts and froze my accounts due to fraudulent activity. I also received a letter from the Bureau of Labor and Industry that my information was compromised as a result of the XXXX  Claim system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 non-monetary relief
Consumer complaint received 2022-03-21 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: NY

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 non-monetary relief
Consumer complaint received 2022-03-21 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: TX

Complaint narrative:
I recently sent in a dispute and equifax has failed to process my dispute claiming it was not clear on what I was asking when I was indeed very direct. I will resubmit another dispute and attach it to this complaint but they have been a huge liability and detriment to my life and causing severe XXXX upon me due to their harsh unfair and inaccurate consumer reporting which is causing me to lose out on my home as my current lease is ending and I have nowhere to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I fell behind on my mortgage due to covid19 and a household members XXXX diagnosis the same time covi19 started. I got approved for financial help from my county/state for mortgage assistance. The department of human services of XXXX XXXX New Jersey sent a fax of a purchase order that needed to be signed in order for them to release a check. This was sent on XXXX XXXX. My mortgage company has told me 5 different times already that they can see the document that needs to be signed, and will escalate it to the appropriate department. Everytime I call I get the same answer. It is like I am getting a runaround each time with no solution. I already have received some letters from the mortgage company about a foreclosure process. If they would have signed the paper and sent it back to my department of human services, I wouldn't be in this position. I called on XX/XX/2022, again XX/XX/2022, again XX/XX/2022, again XX/XX/2022, again XXXX, XXXX. All these conversations are recorded and saved in their notes, because evertime I call they can see everthing that was discussed. I talked to XXXX, XXXX, XXXX, XXXX, XXXX. I don't know why this is happening. I got your information from my department of human services.

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 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/2022 I closed my account with Netspend. I had {$450.00} in that account and they have been refusing to send me my refund of check to me. I have verified the address on file, Ive verified my identity, Ive verified the mailing address which the check needs to be delivered to. Ive been trying to do this for a month now and at this point they are stealing from me. Please help me

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 2022-03-21 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank Headquarters XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to complain about my experience and service of how fraudulent charges on my credit card were handled. 
On XX/XX/XXXX I received a text about a fraudulent charge on my account, I instantly called TD to inquiry about the charge. When I spoke to the agent, we reviewed charges and discovered there were multiple unauthorized charge. The charges were XXXX transactions of {$200.00} for XXXX XXXX ( Total {$400.00} ). Agent informed me that charges would be investigated. 
On XX/XX/XXXX I received a letter that after reviewing and investigating available information and documentation that I was responsible for the charges. After receiving the letter I called TD bank. They informed me that I could appeal the decision and that I would be contacted with a decision. In XXXX, I called to follow-up because I had not received a call back and was informed that they were still reviewing and I should be patient that the case was still being reviewed. In XXXX, I called again and I received the same response to be patient. In XXXX, after still no response from anyone from TD, I called back and was informed that they never call any customer back with a decision and that my appeal was denied and I was responsible for the charges I had never made. I asked to speak to the appeals department or someone in a higher position. The agent informed me that there was no one who could assist me because they were the highest contact I could speak to via phone in regards to the matter and I needed to contact headquarters. I also, tried reaching out to the branch and they told me that there is nothing they could do in the matter, either. 
As you look at my history, I have been a customer for a long time and Ive never been late on a payment. I had a {$12000.00} credit limit and I have always shown to be responsible with my accounts. I had {$50000.00} in my checking account, which has now been closed and moved to XXXX due to the service received in this matter. After being a customer for so long, I felt I deserved the respect of a phone call about this situation but nothing. 
So as of right now I have these charges on my account that I have never made and they are accruing finance charges on them to. Honestly if I had made the charges I would have paid them because Ive made many charges on the card and as you could see in my history I have always paid. There would be no reason for me not to pay if I had made them. I would appreciate a call back on this matter.

Company response to consumer: Closed with monetary relief