vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
my former brother in law and co worker XXXX XXXX XXXX had access to our company records and he access these records and opened several accounts for credit for me and other co workers I have tried to alert several credit issuers bit I have not been successful in getting any assistance

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 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NC

Complaint narrative:
On XXXX XXXX, XXXX I was notified by my county that our county tax bill was many months past due and a lien was about to be place on our property. I immediately paid the XXXX tax bill plus a late fee out of pocket even though our taxes are escrowed in our mortgage loan. I quickly called Guaranteed Rate and provided them with a receipt of my payment for a refund, but they have failed to provide a refund in the following 6 weeks. A case has been escalated multiple times to their Tax resolution department, but has been closed twice now with the company finding that they do not owe us a refund because the details are being improperly communicated internally. XXXX continues to " escalate '' the case and promise to call back with a resolution, but we have never heard from them and have spent countless hours on the phone trying to resolve the issue. I am unable to speak directly with anyone the case is being escalated to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: AR

Complaint narrative:
I got a notification on XX/XX/2022, that my score has dropped. So I immediately go check to see what it was. There was a missed payment on an account that is not mine. I disputed this account before and it was removed from my credit report. I didn't know it was added back to my report. Nothing was sent to me confirming this account was added back or even proof that this account belongs to 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 2022-03-14 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: AR

Complaint narrative:
I got a notification on XX/XX/2022, that my score has dropped. So I immediately go check to see what it was. There was a missed payment on an account that is not mine. I disputed this account before and it was removed from my credit report. I didn't know it was added back to my report. Nothing was sent to me confirming this account was added back or even proof that this account belongs to 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 2022-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
Hi, I had some fraud happen on my XXXX account and my bank and employer XXXX XXXX disputed the transaction iao {$80.00}. 

Not short after, my XXXX account was closed. I would like to know why specifically XXXX closed my account ; what violation am I being accused of doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Fed Loan improperly denied my PSLF using wrong or inaccurate applicaiton criteria. I submitted on more than one occassion my employment verification, they did not apply my prior payments in all plans as set forth by the Department of Education. I have followed all of the steps set forth by the Derpartment of Education established in XX/XX/XXXX, under the temporary waiver for PSLF. They do not communicate with me, despite emails and phone calls. I am submitting an appeal that will likely be disregarded. Per the temporary waiver criteria I have calculated I have made at least 101 payments towards the required 120. I demand credit towards the PSLF. I want an immeidate correction to the applicaiton I submitted on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Letter sent XX/XX/2022 a formal complaint to XXXX Transunion and XXXX for Violating my Federally Protected Rights as a consumer ; received no response. Sent a follow up letter XX/XX/2022 demanding them to comply to their policies with verifying accounts within 30 days; received no response.

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 2022-03-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Letter sent XX/XX/2022 a formal complaint to XXXX XXXX and Equifax for Violating my Federally Protected Rights as a consumer ; received no response. Sent a follow up letter XX/XX/2022 demanding them to comply to their policies with verifying accounts within 30 days; received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I dispute a third party charge to my card from a merchant previously dispute that fraudulently charged my account. The merchant is in another state and my banking records show I was not in that area or motel. Bank has reversed claim with no explanation. I suspect BOA is fraudulent working to obtain funds due to failing business.

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 2022-03-14 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: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
This complaint is in response to XXXX I mentioned the company is violating 15 USC 1681a ( d ) ( 3 ) which is the violation I was making aware in the FCRA NOT the FDCPA. I believe the company misread the complaint. The FDCPA is covered in 15 USC 1692-1692p. The FCRA is covered in 15 USC 1681-1681x.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I filed bankruptcy in XXXX. My mortgage with Wells Fargo was not included in the bankruptcy, I continued to my on time monthly payments until XX/XX/XXXX. I paid the loan off in XXXX of XXXX. I have a lien release letter from Wells Fargo and a Certificate of Satisfaction letter for this loan. 
Wells Fargo, stopped reporting my payments to the credit bureaus in XXXX, as if it were part of the bankruptcy. The account is still open and shows the amount on the loan in XXXX ( {$130000.00} ). 
My credit report should reflect all payments made through XXXX of XXXX, and then closed in XXXX of XXXX. As, again, I made all on-time monthly payments through that date with no acknowledgment.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: MI

Complaint narrative:
XXXX ordered a background in XXXX XXXX. Checkr reported incorrect information stating I did not have a current valid driver 's license. 
They provided information on a license I no longer have for Florida because I now have a Michigan license since I now live in Michigan & you can't legally have 2. I filed a report with Checkr explaining the issue. They asked me for a copy of my Michigan license & I gave them a copy. Checkr corrects my report & tells me it's clear & to wait on XXXX. Months later XXXX insists they never got the corrected report ( even though I could see the corrected report when I logged into Checkr ). I argue with them for days, so they just order a new report from Checkr because they never got notified that it was corrected. What does Checkr do? They go back to reporting incorrect information and not including the Michigan license information I gave them last time. 
Now months later I am back to having an incorrect report in Checkr & again denied the ability to drive for XXXX. I have attached the initial incorrect report, the emails to Checkr regarding correcting it, The previously corrected report after I complained, The now once again incorrect report & my 2nd email regarding correcting the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: OH

Complaint narrative:
XXXX XXXX / XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-03-14 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: OH

Complaint narrative:
XXXX XXXX / XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: OH

Complaint narrative:
XXXX XXXX / XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-03-14 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I purchased XXXX XXXX XXXX XXXX on XX/XX/2021. However, I received XXXX XXXX XXXX XXXX. After multiple emails to the merchant I was offered the following options : XX/XX/XXXX : Merchant Requested that I send photos of what was received along with a picture of the tracking number to show the correct package was being reference. 

XX/XX/XXXX : Merchant offered to refund {$15.00} to keep the order as is. I declined the offer. 

XX/XX/XXXX : Merchant offered {$35.00} to keep order. I declined the offer. 

XX/XX/XXXX : Merchant offered {$50.00} to keep order. I declined the offer. 

XX/XX/XXXX : Management would authorize {$65.00} to keep the order. I declined the offer. 

XX/XX/XXXX : Offered {$86.00} for items but not {$12.00} for shipping. The original offered free shipping if 2 or more XXXX  were purchased. I order XXXX and declined the offer as I do not need any XXXX 

XX/XX/XXXX : Merchant was to apply for a full refund and advised to wait another 5-7 days. No refund was issued. 

I contacted the credit card company, disputed the charge and was issued a temporary refund on XX/XX/XXXX. The credit card company sent me a letter with a notice from the merchant showing the package was delivered. I acknowledged the receipt of the package ; but, as the previous photos showed the wrong items were in package. I was rebilled by the credit card company and I immediately opened a dispute on the rebill. The information was forwarded to the credit card company on XX/XX/XXXX via XXXX  and XXXX Mail. Both sets of documents were received. 

In the meantime, I place a second order for a XXXX XXXX XXXX for {$96.00} on XX/XX/XXXX. The XXXX never arrived and I disputed that charge. The credit was issued on XXXX but the credit was applied to the disputed amount of {$99.00} and not put back on my credit card as expected. The bank has refused to put the {$99.00} in a disputed status and I now owe {$3.00} due to the differences in the amount charged. I requested to speak with a supervisor multiple times but XXXX ( operator id XXXX ) refused to get a supervisor and said I would have to wait for up to 2 billing cycles for the issue to be investigated. This is unacceptable as I was told at the time of the dispute, I would not have to make a payment for the rebilled {$99.00} until the issue was investigated. Instead of getting my {$96.00} credit to my account it was applied to the open dispute. 

see the attached emails and pics attached showing what was received. You can see the tracking number associated with my XXXX order.

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 2022-03-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The complaint numbers above are all regarding the same case and order number. 
Complaint # XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Order # XXXX On XX/XX/XXXX and XX/XX/2022, I received letters from CapitalOne/Neiman Marcus stating that my case is closed as they have credited my account in XXXX for {$2300.00} and issued a credit in the amount of {$210.00} for a total balance for the item purchased and paid for {$2600.00} and stated they consider the matter closed. I received a letter dated XX/XX/XXXX, that referred to the letters dated XX/XX/2022. 

My problem is no one, when I call seems to be unable to address any of my questions. Instead of having a direct point person you can work with, you get a new person every time you call. You must explain the situation again, and in the end, the representative is unable to answer questions or do anything. 

None of the correspondence received from CapitalOne/Neiman Marcus answers any of the questions I presented in my complaints to CapitalOne/Neiman Marcus or the CFPB XXXX 

I want the answer to the following addressed : 1. What is going to happen once Neiman Marcus exchange the product out in XX/XX/2022? I can see this becoming a big mess again because Neiman Marcus is going to handle the exchanged item as a new purchase ; I will receive a bill stating that I owe them, and this circus gets repeated. 

2. What about all of the credits due me from Neiman Marcus? Submitted proof of the credits to CapitalOne/Neiman Marcus back on XX/XX/2022, and again on XX/XX/2022. 

None of my statements reflect the credits that Neiman Marcus stated they were giving me. The credits were issued to the old account number ending in XXXX and are still not reflected on my new account ending in XXXX. XXXX Neiman Marcus be issuing me a check for credits? 

XXXX. I was told that I was going to receive a check in the amount of {$5200.00} ( XXXX XXXX ) ; then I was told I would be receiving a check in the amount of {$2600.00}, ( XXXX XXXX ) and lastly, I was told that my account would be credited the {$2600.00} ( XXXX XXXX ). Currently, my account is at a {$0.00} balance. 

I believe the account should indicate a credit of {$2600.00}. Once the item has been exchanged, the account should equal out, and a statement is not generated requesting payment which could impact my credit report and XXXX having to go back through this same issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
We had a XXXX XXXX XXXX with Citizens Bank, I had tried to payoff the balance of {$460.00} online and it did not appear to go through. On XX/XX/22 I went to the branch and asked if they see that an online payment is coming through, they said no. I asked for the payoff amount and gave them a check for that amount of {$530.00}. On XX/XX/22 {$460.00} was then deducted from my account. I called right away and was told they don't see it, but supposedly put in a cancel. I called again about a week later and was told oh they have it and was just sitting there. A few days later I called back and was told about 10 days ago that they were sending it to me via fed ex. As of Friday XX/XX/22 I had not received the fed ex. I called and no one called back. I called again today and continue to get a run around. I suggested that I just come to the bank and pick up the refund, no they can't do that said XXXX they alleged branch manager. Who has been giving me the runaround. I just want a refund of the overpaid amount and I want them to stop lying about where it is, since they still have it and my loan is paid in full since XX/XX/22. And I have yet to receive my documents stating that the loan is paid in full.

Company response to consumer: Closed with explanation