vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
When I invoked Covid forbearance protections in XXXX, my VA loan with Caliber was not delinquent. Instead of continuing to report my mortgage as current for the duration of my forbearance. Caliber did not report my mortgage as current as required by the Cares Act and continued to suppress reporting any status until XX/XX/XXXX. My forbearance ended XX/XX/XXXX and I have made at least the regularly contractually scheduled monthly payment required at least since XX/XX/XXXX. 

Caliber is improperly reporting my mortgage status for the duration of the forbearance and thereafter and is making it impossible for me to refinance due to the VA seasoning requirement to have 6 consecutive regular payments as reported by the credit agencies. Due to the suppression protection Caliber did not report the mortgage payments as current or delinquent but they where required to report the mortgage as current based on the Cares Act and the status of the loan when covid forbearance was invoked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The following inquiries were not authorized by me. I have attached the necessary documentation with the inquiries listed as well as my proof of identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
Fed Loan servicing advised me that I needed to consolidate my XXXX direct loans to Fed Loans to be eligible for the waiver for XXXX. I have paid on my loans since the program began in XXXX. I did receive loan forgiveness in XX/XX/XXXX, for which I am very grateful, but lost all overpayment eligibility with the unnecessary consolidation into Fed Loans. I am requesting Fed Loan retract the consolidation and/or update my eligibility date to XXXX. I would then be eligible for the 5 years of direct loan over payments from XXXX. This is a significant amount of money and bad advice from unqualified loan representatives have cost me thousands of dollars. I am requesting they get this issue expedited to a supervisor. There has to be a way to fix what they did wrong. They should be the experts in this new loan program, not me! I will continue to contact my state representatives as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Wells Fargo credit card was hacked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a bag of ice at a self service register at XXXX XXXX. My charge should have been a total of {$4.00}. I removed the credit card from the register and left the store with my credit card and with the ice. A man went to that same register and seeing that my transaction had not properly terminated charged {$640.00} worth of gift cards on my credit card. On XX/XX/XXXX, I became aware of the charge by seeing it online on my credit card charges so I called XXXX and spoke to a manager, who told me that it seemed that my credit card number had been stolen. I then called Chase Credit Card Services and told them what happened. They sent me a new card and were going to investigate the situation. In XXXX of XXXX I see the charge of {$640.00} back on my card and Chase tells me they can not remove the charge because it was an in-person transaction. I go into XXXX with my credit card statement and the old credit card on which the fraudulent charges occurred. I was advised that the store 's bookkeeper would contact me. The following day, I called the bookkeeper who sent me a copy of the receipt and told me he would give the information to the main manager. ( It seems that XXXX XXXX has several Managers. ) Upon my follow up I was told that the manager would not refund the money because the store did not want to take the loss. 
The store knows the man who man who charged on my card because he is a regular customer and he left his name and phone number with them besides putting in his XXXX reward number on the transaction. I even called XXXX, the parent company of XXXX and they said that XXXX could not keep the money because that is considered a blended transaction and it is not XXXX 's practice to keep unauthorized charges. They also told me that they could not reverse the charge because it has to be done by the store manager. I once again spoke to Chase and once again they concluded that they could do nothing. None of these companies, XXXX, XXXX or Chase have refunded this charge which was fraudulently made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18 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: CORELOGIC INC
State: WA

Complaint narrative:
When I invoked Covid forbearance protections in XXXX, my VA loan with XXXX was not delinquent. Instead of continuing to report my mortgage as current for the duration of my forbearance. XXXX  did not report my mortgage as current as required by the Cares Act and continued to suppress reporting any status until XX/XX/XXXX. My forbearance ended XX/XX/XXXX and I have made at least the regularly contractually scheduled monthly payment required at least since XX/XX/XXXX. 

XXXX  is improperly reporting my mortgage status for the duration of the forbearance and thereafter and is making it impossible for me to refinance due to the VA seasoning requirement to have 6 consecutive regular payments as reported by the credit agencies. Due to the suppression protection XXXX did not report the mortgage payments as current or delinquent but they where required to report the mortgage as current based on the Cares Act and the status of the loan when covid forbearance was invoked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PRESTIGE FINANCIAL SERVICES INC
State: CT

Complaint narrative:
In 2012 the truck that I was financing through Prestige Financial was reposed voluntarily, they sold the truck at auction and never made it known to me the value that they received for it ( I have asked ), fast-forward XXXX, shortly after I started working at my current job they garnished my paycheck for over a year, then abruptly stopped. Today, I received another wage garnishment letter from them that they plan on doing the same thing again. The customer service agents are quite rude and impatient and I can not get anyone to talk to regarding this. I do not live in the state where I have to appear in court and can not contest it because I would have to show up. Are they legally allowed to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX  and XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX 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 account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
These people keep calling from Quantum. They were told years ago that they have the wrong number. They keep calling even though they claim they lost their license last year ( I filled a previous complaint a few weeks ago and that was their response ). I have phone records showing they are calling from multiple lines. When I have picked up recently no one answers. They just keep calling. They have no business with anyone in my home so they need to stop calling. We have been on the do not call list since 2011.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I have unauthorized inquiries on my credit report that I have attempted to get removed from my credit report on several occasions to no resolution. As well as disputing these inquiries on my credit report. 

List of inquiries : OneMain Financial : XX/XX/2020 XXXX  : XX/XX/2020 XXXX XXXX XXXX : XX/XX/2020 XXXX  XXXX XXXX  : XX/XX/2020 XXXX  XXXX XXXX  XXXX  : XX/XX/2020 XXXX XXXX of XXXX : XX/XX/2020 XXXX  : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: MD

Complaint narrative:
The following inquiries were not authorized by me. I have attached the necessary documentation with the inquiries listed as well as my proof of identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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:
The following inquiries were not authorized by me. I have attached the necessary documentation with the inquiries listed as well as my proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was notified from a credit unit on XX/XX/XXXX that Bank of America was showing a past due charge and unpaid balance on a closed account Acct # ending XXXX. The account had been closed and Bank of America Charged an annual fee on a closed account. Then reported it to the credit agency and in XX/XX/XXXX XXXX other companies lowered credit limits on other credit cards to the current balance, it affected my credit score from XXXX to XXXX. I have spoken to Bank of America on XX/XX/XXXX and they agreed that they had made the mistake and I should get notification 2-3 weeks in writing. As of this date they have removed the annual fee charge however they have not made any effort in correcting the credit reporting error.

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 2022-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Called on XX/XX/22 to call about my kohls credit card I had. Was told that they would waive the late fees due to not getting statements that the balance due was XXXX. I paid that balance in full on XXXX XXXX only to get mail that says I paid the amount above on the date listed but no fees waived, another fee, interest assessed, and false report made to credit bureaus. The statement and right to cure are dated for XXXX and feel that this is deceptive a violation of my rights under the fair debt collection practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18 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: Experian Information Solutions Inc.
State: SC

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

15 U.S.C 1681section 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: UT

Complaint narrative:
I lost my wallet and within 20 minutes I had XXXX dollors in charges on my cashapp card as soon as my phone notified me I stoped the card and ordered a new one. I contacted support they asked me to wait for an email within 24 hours. It has been over 3 days with no email. The three charges starting with the XXXX and the two charges above that at XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
On XXXX of XX/XX/2022, I made a swift transfer from my XXXX XXXX  account on wise.com with a wrong amount : XXXX USD ( instead of XXXX USD ). 
The transaction has passed and recipient has received the money on XXXX XXXX. 

I've asked the recipient for return. Recipient said he couldn't confirm my identity because the transfer is international and can only execute the return if it comes through intermediate bank. So, recipient needs to receive a " Request for Cancellation '' from wise.com 's bank. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX I contacted wise.com on XXXX XXXX and tried to negotiate " Request for Cancellantion ''. Wise denied me the request to quoting its Customer Service Agreement : XXXX You must ensure the information you provide to us is correct. You must make sure that the information you provide when setting up a payment order is accurate. If we have processed your order in accordance with the information you have provided to us it will be considered correctly completed even if you have made a mistake. 

I don't see it as a reason to deny " Request for Cancellation '' because it is a common practice for swift payments. 
Is there any law that enforces wise.com to send the request? 

Bank Name : XXXX XXXX  and Trust Wise Address in the US : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX United States Wise 's Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX United States

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I were lied to yesterday XX/XX/XXXX by XXXX  at XXXX XXXX XXXX eastern time and are an very unfair process and according to the games they play my outstanding 19 years of missing benefits hidden by them will never entered into the needed accounts XXXX, XXXX, XXXX and XXXX because they for the longest make the decision themselves without my authorization to block my accounts which blocks any benefits from elsewhere a chance to enter the accounts and effect my credit score and they are embarrassing me by repeated over and over you have XXXX cents in your account XXXX they I finally got them to unblock. I ask to send code finally they did and ask to speak to supervisor XXXX refused to open all my accounts and indicated the other four are closed. I told her no they are not closed because i can enter my account ending XXXX and tells me the other four accounts are at XXXX dollars and that based on that response they are not closed but she denied me. I filed several complaints against XXXX that she lied and i wish to have all my accounts open and later i spoke to XXXX whom documented my complaint very helpful about missing funds and agreed with me that the account is not closed. They are also effecting my credit score by holding back my benefits and forced my bank account first state bank XXXX into the negative and also harms my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I were lied to yesterday XX/XX/XXXX by XXXX  at XXXX XXXX XXXX eastern time and are an very unfair process and according to the games they play my outstanding 19 years of missing benefits hidden by them will never entered into the needed accounts XXXX, XXXX, XXXX and XXXX because they for the longest make the decision themselves without my authorization to block my accounts which blocks any benefits from elsewhere a chance to enter the accounts and effect my credit score and they are embarrassing me by repeated over and over you have XXXX cents in your account XXXX they I finally got them to unblock. I ask to send code finally they did and ask to speak to supervisor XXXX refused to open all my accounts and indicated the other four are closed. I told her no they are not closed because i can enter my account ending XXXX and tells me the other four accounts are at XXXX dollars and that based on that response they are not closed but she denied me. I filed several complaints against XXXX  that she lied and i wish to have all my accounts open and later i spoke to XXXX whom documented my complaint very helpful about missing funds and agreed with me that the account is not closed. They are also effecting my credit score by holding back my benefits and forced my bank account first state bank XXXX into the negative and also harms my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  has been reporting a charged off account on my credit report when this debt is showing {$650.00}. They charged this debt off & never sent a 1099-C form & by law anything over {$600.00} that form is supposed to be sent & I would have to file an amendment on my tax return due to understated income. Ive been questioning the validity of this account for some years now & it all makes sense why I never got one. XXXX XXXX XXXX  updated my address through a CFPB complaint which makes me question the name as well as address that was used to apply for this account. They still have not verified this information after Ive asked them to, anyone can open a credit card account in your name if they have access to your social security number. Not only is this account not a charge off, they have defamed my character by insisting that this account belongs to me when they cant even verify the name & address at the time the account was opened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  has been reporting a charged off account on my credit report when this debt is showing {$650.00}. They charged this debt off & never sent a 1099-C form & by law anything over {$600.00} that form is supposed to be sent & I would have to file an amendment on my tax return due to understated income. Ive been questioning the validity of this account for some years now & it all makes sense why I never got one. XXXX XXXX XXXX  updated my address through a CFPB complaint which makes me question the name as well as address that was used to apply for this account. They still have not verified this information after Ive asked them to, anyone can open a credit card account in your name if they have access to your social security number. Not only is this account not a charge off, they have defamed my character by insisting that this account belongs to me when they cant even verify the name & address at the time the account was opened

Company response to consumer: Closed with explanation