vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
IN 2020, Covid-19 happened. Forebearance programs were offered by the mortgage companies, including Mr. Cooper, in the name of the lender, to help homeowners. 
At the end of the forbearance program there were certain ways to pay back the amount owed. 
1/loan modification which deferrs payment - 2/ lump sum payment of all of the monies owed - 3/ payment plan. 
I have an excellent mortgage, and a modification could not be found. 
I was then offered that I pay, a lump sum ( {$35000.00} ) or lose my home. I was to pay off {$7200.00} of the XXXX - having to borrow money. I asked for a payment plan of 12 months. 
I was offered a 6 month payment plan ( because the only alternative is to lose my home ) so instead of {$2300.00} per month- i now have to pay {$6200.00} per month. 
on what planet is this logical!!??!! i asked for forbearance help because I NEEDED FINANCIAL HELP. 
WHERE DO THEY THINK I CAN COME UP WITH AN EXTRA {$4000.00} EVERY MONTH??? 
I am only asking that the plan be extended to 12 months, so instead of {$4000.00} I have to come up with an extra {$2000.00}, ( which i can handle ) I want to stay in my home! 
Please see the logic, simple logic in this. I do not mind paying interest on the amount I owe ; I plan to keep my house and do want to pay off this debt. I am only asking that the terms be extended to 12 months instead of 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: NY

Complaint narrative:
In XX/XX/XXXX I loaded {$75.00} onto a Transact Prepaid Mastercard issued by Netspend so that I can purchase my XXXX Ticket to go home and get my XXXX XXXX XXXX and to pick up my medication. After loading the money and calling the number too activate the card - I was told that I had to wait to speak with customer service- this would take 6 hours because they were not open. I miss my train, I miss my appointment for my XXXX XXXX XXXX and now i dont have my medication and Im stranded without money to get home. I spoke to customer service and for unknown reasons they said they couldnt activate my card and that they will send me a check which will take 7-10 business days - this has put me in major medical bind because - the series of vaccinations are scheduled on purpose so that it will be effective - netspend has negligently handled my situation and has failed to provide due diligence in ensuring I get my funds so that I can handle my medical needs.

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 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a Kabbage checking account on or around XX/XX/21 because of a promotion they offered which promised a {$300.00} bonus after using their debit card for five purchases. I maintained this account in good standing. 

Sometime around XX/XX/21 I tried to log in to my account online and received a notice that my access had been blocked. When I emailed Kabbage to inquire, they first responded on XX/XX/21 as such : " Hi XXXX, Thank you for reaching out to us. We appreciate your time and effort in letting us know your situation. Please be advised that we closely monitor accounts for unusual activity and due to this, your account has been permanently locked. For the account 's privacy, we do not have further information. 

Please be reminded that you may no longer spend with your debit card, withdraw funds, or receive and make deposits due to the status of your account. 

Thanks, XXXX Kabbage Banking Specialist '' Later, on XX/XX/21, they sent this second message, without any prompting from me : " Hello XXXX, Thank you for reaching out to us. We will need you to give us a call in order to properly resolve your issue. 

Please contact us between XXXX XXXX XXXX XXXX XXXX XXXX Monday - Friday at XXXX at your convenience so we can resolve your inquiry. 
Thank you. 

XXXX XXXX | Kabbage Customer Service Support '' This morning, XX/XX/21, I called to check my balance and determine next steps to restore my access and was informed by the friendly agent I reached that my account was still blocked and he did not think it could be unblocked. He further suggested I have XXXX get my money from Kabbage, even though he could not tell me what my balance was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX The bank participated in corrupt, confusing, unsafe and unsound practices. They have the available balance listed on the homepage but you have to click elsewhere to check the actual balance which is so deceitful. I was charged {$35.00} two times. I requested the bank refund me one charge of {$35.00} because one made sense and the other one didnt. 

I am also in a federally declared disaster area ( XXXX, NJ, XXXX XXXX ) due to the remnants of XXXX XXXX. The FDIC has provisions in place for banks to refund or eaive fees for a few months following a natural disaster. 

I was refunded in XXXX and because of that I was only asking for one fee back this time. I was a victim of flooding. 

I chatted with XXXX in the chat and she was unhelpful and also tried to tell me she could not trasnfer chats. SHe was just giving me scripted answers which are horrible. 
If you see exhibit a that is what I see on the homepage, Exhibit B is where XXXX told me to go and I had to click out of the homepage to see this!! How horrible is this this is so deceiving and the order in which they post transactions favors the bank.

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 2021-10-05 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: DC

Complaint narrative:
I sent in a letter XX/XX/2021 about incorrect information reporting to my credit report. It was a list of personal information and accounts that does not belong to me.I asked them to investigate and remove this information. Its been over 30 days and they have not got back to me, they still have no update. This is completely absurd that they can treat people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: MD

Complaint narrative:
There is a number of personal items and accounts that does not belong to me and that are incorrect. I originally sent a letter about this when i found out on XX/XX/2021. It has been well over 30 days and i have not been updated. There are no updates and the credit bureaus do not help or give any helpful information at all. I dont like that the credit bureaus get to ignore consumer laws, this is really unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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:
I have been sending in disputes since XXXX of 2021. I still have not received any results. Every time it is verified. The information they are reporting is not correct.

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 2021-10-05 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: SC

Complaint narrative:
I have been sending in disputes since XXXX of 2021. I still have not received any results. Every time it is verified. The information they are reporting is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America despite other major banks helping customers with covid related issues has made it known after one occurrence of that, they will not offer any solutions to waiving fees even if the customer is dealing with reoccurring covid issues and it not able to work. My Personal bank advantage checking has a {$140.00} hold of fees that are a result of dealing with covid related issues and instead of waving the fees to help reduce the Covid burden the bank has made an extension to offset the fees but still charge it late on XX/XX/2022. XXXX XXXX and my other major banks have been able to work with me on several occurrences these last 4 months as I am dealing with reoccurring covid symptoms preventing me from working and stopping my flow of cash to deposit into my accounts. Bank of America has informed me that they at most might only offer one occurrence of assistance even if they are aware of a customer experiencing ongoing covid related issues.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XX/XX/2020 inquiry. XXXX XXXX XXXX. I did not make this request and have no idea what it is. No other credit agencies are reporting this. 
XXXX XXXX and XXXX XXXX  XXXX are the same inquiry and happened on the same date. The other agencies are reporting this correctly as one inquiry. 
Have tried to dispute this multiple times but the transition app and website keeps telling me that there are technical issues and to try back later.

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 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
Security credit service I attempted to contact the company and let them know this is fraudulent activity on my credit report. I did not take this like of credit out. An ex friend of mine took my information and opened a line of credit. I also reported to dispute.transunion.com. this is NOT my debt.you can check the cameras at the establishment this line of credit was taken out at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: SC

Complaint narrative:
I have disputing theses incorrect Items on my credit since XX/XX/XXXX. They keep saying that is is verified. they have not sent any documents stating who verified it. their name and number.

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 2021-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Two problems same banking credit company Bank in charge of two of my credit cards XXXX XXXX XXXX XXXX and XXXX. First XXXX I purchased a custom XXXX  and put it on monthly payments which were interest free. I paid off the ring in XXXX of 2021 in full. I had received statements every month till XXXX which listed my balance as XXXX. Then in XXXX I get a bill that stated I owed XXXX some dollars I immediately called customer service and asked why I owe this amount and why hadnt I gotten a statement before this if I did owe money which I didnt because I paid off the account. They stated I owed XXXX as a close out of the account that was paid in full of over XXXX $ then they charged finance fees for late payment. After a long discussion and speaking with supervisor it was of course erased. 
Now they reported I was late a payment which I was not and my credit score took a XXXX of XXXX points Does it end there! 
XXXX again Comenity Bank get a Bill for over XXXX dollars all finance charges for a bill that was paid in full but interest was not until next statement since I call in to pay Bills each month and knowing I had paid in full my statement from XXXX I had no idea that there was an interest amount to be paid. They in turn charged late fees totally XXXX XXXX Yes I again had a discussion with a supervisor and again it was taken care of with me owing nothing. 
Why the complaint Comenity bank is getting over and I believe charging fraudulent charges. This is the Fourth incident I have had with them over the last 10 years. The first two happening well over 10 years. To have 2 so close together and so similar in accounts. Either they know they are deceptive or something is wrong with their automated services, which I doubt because I NEVER have any problems with any other bank I deal with my credit cards with. I can only imagine the number of people who dont know about their deceptive practices and how their credit scores can be affected. I believe Comenity bank practices should seriously be investigated!

You didnt allow space for two credit cards so here is. XXXX # XXXX This surely shows a pattern and if you note my credit history I am always on time with all my payments 100 % of the time and most times pay off the entire balance monthly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im trying to apply for loan and the rep refuses to correct my information.They put make XXXX a year when I make XXXXThe company is giving runaround. I asked multiple times seems they dont understand English.They told me falsified income asked them to correct it they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: PA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there is an inaccurate, unverified and fraudulent item listed on my credit report. This have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: VA

Complaint narrative:
i have this negative remark in my credit report, by XXXX XXXX XXXX. this is not mine, i have written the bureaus over a year, and XXXX XXXX XXXX, ( XX/XX/2021 ) asking for validation, of this debt. They have refused to validate, the credit bureaus, only saying it has been verfifeid which is clearly not the same. theses large giant companies, flaunt the rules, and the credit bureaus are in bed with them, verifying and validating are two different things, i'm a single mom looking to buy a home, and this erroneous mark is preventing it, can anyone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: VA

Complaint narrative:
i have this negative remark in my credit report, by XXXX  XXXX XXXX. this is not mine, i have written the bureaus over a year, and XXXX  XXXX XXXX ( XX/XX/2021 ) asking for validation, of this debt. They have refused to validate, the credit bureaus, only saying it has been verfifeid which is clearly not the same. theses large giant companies, flaunt the rules, and the credit bureaus are in bed with them, verifying and validating are two different things, i'm a single mom looking to buy a home, and this erroneous mark is preventing it, can anyone 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 2021-10-05 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: DC

Complaint narrative:
I sent in a letter XX/XX/2021 about incorrect information reporting to my credit report. It was a list of personal information and accounts that does not belong to me.I asked them to investigate and remove this information. Its been over 30 days and they have not got back to me, they still have no update. This is completely absurd that they can treat people 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 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am writing to file a complaint on Square Inc which is a credit/debit card processor. Their business headquarters is located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. 

My name is XXXX XXXX and my husband and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We offer brand new brand named furniture. We have been open since XXXX and have used square card processing since opening. We have not experienced any problems with them until now. 

On XX/XX/XXXX and XX/XX/XXXX we processed payments as normal as we always do. At the end of business Saturday XX/XX/XXXX we realized our deposits has not been made into our account at the end of business. After inquiring through a phone call to square they advised me without warning that our account was deactivated and all of our funds from XX/XX/XXXX and XX/XX/XXXX and would be holding {$10000.00} for 90 to 120 days. They could not explain to me why this happened and just said the system at random reviews accounts. These transactions were not out of the ordinary nor should have flagged a review. Also the merchandise valued at the same cost has left my store and the bill is due to the vendor for such items. I called and emailed Square several times in which they provided no details of why they were holding my funds. I asked to be transferred to a supervisor and the legal department and was told in this situation it was not allowed. That I would need to email but probably would not receive a response. That I am forced to wait 120 days. I would gladly send any information to confirm these transactions but they refuse to clear it up. Now that I have called they have deactivated a way to speak to anyone in customer service leaving my only option to email which allows them not to respond. 

I am asking for my {$10000.00} to be released to me immediately. Also have conducting research online I have found thousands of customers that have been scammed by Square, held funds, and not even released past the 120 days! 

This is how small businesses survive!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
The company, which I did not recognise who try to collect money I did not own. Continue to send me bills ( I did not own ) for a year, took long time for me to find out the address ( they refuse to disclose address ) - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. 
The Company, try to collect money, send me response to my letter ( 3 months later ), refusing to answer my request questions about : - why do they think I own debt, and whm do I owe it ; - license number, name, state agency issuing license ; - physical address of the creditor. 
I'm XXXX XXXX XXXX retired XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
there sending me a bill for an account i never opened and the original creditor XXXX  knows this they removed the debt now they send me collections

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