vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: DE

Complaint narrative:
1. The account is registered ( deactivated ) in XXXX, and the payment terms of XXXX are applicable. Square binds customers to its XX/XX/XXXX updated payment terms. 
2. Your email customer promises to review and release within 90-120 days. You broke the contract without any results. 
3. The account did not trigger the 12 items you mentioned ( no customer refunds or disputes occurred ) 4. The account was delayed for 2 years. You did not contact the customer to propose a solution midway and deliberately delayed the process. Instead, after complaining to XXXX XXXX XXXX, it will be " permanently retained '' and based on your company 's payment terms XXXX ( it does not indicate that you have this authority ) ( or trigger Article 12 ) ) Summary : Square Company complained that the manager abused the terms, breached the contract at will, bullied consumers, and deducted customer funds at will. It is hoped that the relevant financial departments will intervene to investigate Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This complaint is in regards to Wayfair Order # XXXX I earned {$180.00} and decided to use my points to purchase four items. 

The total of my order was {$190.00} - which left {$9.00}. The sytem showed me that was how much would be charged to my card! But when I checked my email, it didn't use my points at all and instead charged me the full amount! 

It felt like a scam and I contacted Wayfair and no one responded to me. I wanted to keep my items, but after no response I asked for refund tags. The problem with Wayfair is they don't give 100 % refunds! 

They charge a tax refund and return of shipping cost. 

So even if I returned the items they charged me for, they would still keep {$41.00}! 

I will accept either a 100 % refund and I can return the item or I can keep the items and Wayfair can use all of my points and charge me the {$9.00}, as I orignally indicated in the checkout page. 

I sent them an email requesting a full refund to my credit card statement and asked them to use my points as I indicated on my confirmation page.

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 2023-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX I was an XXXX of Wells Fargo but was let go, I was currently working with the XXXX modification program but since I was let go they denied that application. I tried to apply through the normal channels for a loan modification but with recently being unemployed I would not qualify. I went to another company called Keep your home California and was approved, they were going to pay my arrears and my loan payment for one year. There were documents that they needed from Wells Fargo and both myself and the company requested it several times. Had Wells Fargo handled the request in a timely manner that loan would have closed and I would still have my home today. Because of their procrastination Wells Fargo trustee sold my home in XX/XX/XXXX, they advised me to go to the court house to see if I could stop it, but ultimately I watched my house be auctioned off. Their lack of willingness to simply send over the documents that were required by the company that was going to help me caused my home to go into foreclosure.

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 2023-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters to the actual company and all 3-credit reporting agency that for validation and to have this inaccurate information deleted from my credit report. The following tradeline item is inaccurate because you have inaccurate open date, inaccurate, comments and inaccurate date last active. By this being inaccurate on my consumer report this item need to be removed and deleted. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The are in violation of the USC. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
This is follow-up to complaint XXXX. 

I still have not received my overpayment refund that I've been expecting since XX/XX/2023 ( XXXX months ). 

The letter that I received from complaint XXXX stated that a refund would be manually processed in the coming weeks. It's been another month, and I haven't received anything. 

Also, MOHELA did not reply to my request asking what the amount of the refund is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 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.

This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill.

The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies.

As a victim of identity theft I have reported several alerts to my credit bureau accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NEW YORK COMMUNITY BANCORP INC
State: ND

Complaint narrative:
I have tried working with flagstar bank to resolve several problems and they have yet to do so. First issue at hand is the incorrect last name they have. My loan was transfer to them and they did not correct my last name. I have sent them my marriage certificate, social security card, driver license, copy of a piece of mail and yet they have refused to update my last name. Legally making it impossible to sign any documents. When I contacted them about this issue they place me on hold and no wants to resolve it. I have sent them these request documents in email, mail and even uploaded it to them and yet each time I call the representative always say maam I apologize this was not the way to sent it please sent the information this way

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 2023-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: VA

Complaint narrative:
I used Wise Transfer to send money to my supplier in XXXX XXXXXXXX back in XX/XX/XXXX, wise promise that funds will be available to my recipients account within 3 days. 5 days gone by the recipient never received the funds. Wise emailed me asking for additional information on XX/XX/XXXX and I sent whatever information they needed. 5 days later my recipient still didnt receive the money I sent and I asked for the cancellation. It has been 16 days since the money was sent out and that my recipient still have not received the funds and I didnt received a refund from wise and been going back and forth with them spoke to 7 agents who just keep hanging up on me. Wise is holding my money in XXXXstage and it is for {$14000.00} USD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a bank of America prepaid debit card issued by the state of Az for pandemic unemployment assistance. I filed a complaint under case number XXXX which in fact is not resolved but bofa has since sent unrelated correspondence to me in regards to my complaint. The bank is circumventing the issue and covering up my issue of the multiple double charges that I have proof of. The original compliant was filed on XX/XX/2023. Nothing has been done to resolve the problem. I want my statements.

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 2023-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OH

Complaint narrative:
*There is simply no right to " retain client funds permanently '' under clauses 12 and 36 of your payment terms. A timely refund also means all funds. You have no right to confiscate all funds. You are maliciously abusing the contract. ( XXXX ) * Copy emails to reply to customers and insult customers. ( Picture : XXXX ) **Square provided false information when CFBP responded to customers. The customer is informed by email that the funds will only be retained for 90-120 days for review before the funds can be released. But you also did not issue an information request with the customer to cooperate with the investigation. It's completely one-sided and unfair to customers. ( Picture : XXXX ) 1. The account registration ( deactivation ) time is XXXX, and the payment terms of XXXX apply. Square requires customers to abide by its updated payment terms in XX/XX/XXXX. 
XXXX. Your email client promises to review and publish it within 90-120 days. You broke the contract and nothing came of it. 

XXXX. The account is delayed for 2 years. You did not contact the customer midway to propose a solution, deliberately delaying the process. Instead, after a complaint is made to the " XXXX '', it will be " permanently retained '' and will be subject to your company 's payment terms XXXX ( which does not indicate that you have this authority ) ( or trigger Article 12 ) ) Summary : Square complained that managers abused terms, violated contracts at will, bullied consumers, and deducted customer funds at will. It is hoped that the relevant financial authorities will intervene to investigate Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : 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 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 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 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 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 explanation
Consumer complaint received 2023-10-28 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 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. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 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. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 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. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NH

Complaint narrative:
I am a XXXX XXXX and submitted my application for XXXX in XX/XX/2022. I have enough payments to qualify between my XXXX XXXX and two jobs post XXXX 

Both the XXXX XXXX XXXX and federally qualified XXXX XXXX that I worked in have been deemed as not eligible employers, however that is impossible I attended XXXX from XXXX, Worked in the state of CA at an approved NHSC XXXXt loan forgiveness site from XXXX, and a Federally Qualified XXXX XXXX XXXX. 

I have called Mohela 7 times spend in over XXXX on the phone, since XX/XX/2022. Multiple addendums have been added and submissions for reconsideration and I still get rejected. 

I have submitted my Tax documents for my work in California, as well as both a letter from the hospital that owned the clinic stating that I was under a service agreement with them & my XXXX site approval letter and successful completion. 

My last employer verification for the XXXX was submitted and verified. I should have no reason to delay forgiveness. 

I am undergoing a divorce and these extra loans are an unnecessary burden to me. 


I would like my student loans forgiven asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In 2005 I obtained a Citibank Costco credit card. I was approached by an employee at the store and was urged to sign up for the Business card. I explained that I was a free-lance writer with income that varied year to year, but that I was married and my husband and I had income from several other sources. The employee nonetheless urged me to get the Business card, rather than an individual card, and a secondary card was issued to my husband. 
Since then, I estimate I have made purchases totalling well over a XXXX dollars and faithfully paid off the monthly balance. My credit score is in the mid XXXX. 
In late XXXX, in advance of a long trip to XXXX, I attempted to and was able to raise my credit limit to {$25000.00}. I was notified by email within 24 hours of my request that it had been approved. My husband and I both notified Citi by phone that we were traveling to XXXX and would be using our cards there, to avoid triggering security concerns.I received no other communication from Citi and flew to XXXX with my husband for a XXXX trip. 
On our arrival, my Citi card was declined. Upon calling, we learned that Citi had closed my account without my knowledge and with no communication. When we called, we were told that it was closed because I had told the person approving the credit increase limit that the " business '' was closed. I believe I told him I had no income from writing last year, but gave another substantial sum that is my family 's annual income. The person must have misconstrued my answer, because in fact, I will continue to earn income in the future as a writer. When we called to find out why the card was declined, we were told that Citi had notified us by mail the reasons for the closure, despite the fact that they had my email address and phone number and knew that we were not at our XXXX home, but traveling in XXXX. I spent several frustrating days calling Citi and being told I would hear from someone, and finally received a stock email refusing to reopen the account. Upon our return, I found a letter from Citi claiming that they had reached out to me for more information about the business, which is a total falsehood. When I inquired about what would happen to the approximately {$1500.00} in cash-back rewards I had earned this year, I was told they would be " forfeited '' because the account was closed.

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 2023-10-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has had my 2 XXXX loans posted from the beginning. Why did my score drop XXXX points from XXXX to XXXX in one day? 
I have made 2 payments already and not increased it but this is what is added to my report : Credit report changes Comparing reports from XX/XX/XXXX and XX/XX/XXXX COULD HURT The balance of XXXX accounts increased ACCOUNT INCREASED DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX COULD HELP The percentage of your accounts always paid on time has increased by 1 % COULD HELP Your credit utilization decreased by 3 % COULD 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 explanation