vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have fallen a little behind on my monthly loan payment. I am only XXXX  days past due on my account and I have never been late. I was XXXX  for a month and was not able to work and I do not get sick pay from my employer. Wilshire Consumer Credit has been calling me from different numbers 7 times per day to collect on a loan that is not even XXXX month late. 

On XX/XX/2024 at XXXX I received a call from the company ( Wilshire Consumer Credit XXXX and let the representative know about my situation. They were not sympathetic to my situation and proceeded to make rude comments to me about my outstanding balance. I asked to speak to their supervisor, I waited on hold for XXXX and the call disconnected on me. 

On XX/XX/2024 at XXXX am, I called the company back and got a different representative and I explained the previous situation to her. She put me on hold XXXX  times and then eventually said she was able to submit a request for a deferment for my past due XXXX balance and that I would have to check the website within XXXX hours to see if it was accepted and posted to my account. She also said she placed me on the XXXXDo not call list ' and would be sure I wouldn't get any more calls. 

On XX/XX/2024 at XXXX XXXX, I was called again by Wilshire Consumer Credit. I didn't answer. 

On XX/XX/2024 at XXXX XXXX, I received another call from Wilshire Consumer Credit and it was another different representative. So far this was the third person of the day from the same company. I explained that I had already taken care of the situation and he was not very nice to me. He spoke to me aggressively. I again asked to be placed on the do not call list. He seemed upset about that and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Qualified for the XXXX XXXX XXXX XXXX, which was at first denied by Mohela in XXXX as they had not calculated the correct number of payments I paid. Was placed in an Administrative Forbearance while they were recalculating. They now show that I have enough payments to qualify for XXXX, but instead of processing this they are ending my forbearance and asking me to start paying again early next month. Loan should be forgiven and balance should be XXXX. No further payments are required and yet they are sending bills. They do not respond to emails and phone hold times are hours and often end up being dropped calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, TransUnion are consumer reporting agencies I am the consumer. I have the right to make sure my private information is not shared which is back by 15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

The U.S. Department of Education notified me that my application for Borrower Defense to Repayments discharge of my loans has been approved and that I will receive full relief. Discharging 100 % of the loans, as a result the loans have no remaining balance.

According to The Fair Credit Reporting Act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

The Family Educational Rights and Privacy Act 20 U.S. Code 1232g ( b ) states No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying XX/XX/XXXX - {$3500.00} XX/XX/XXXX - {$1900.00} XXXX/XXXX/XXXX - {$6000.00} XX/XX/XXXX - {$3300.00} XX/XX/XXXX - {$1500.00} XX/XX/XXXX - {$4500.00} XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$3500.00} XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$6000.00} XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$6000.00} XX/XX/XXXX - {$5800.00}

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 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I made a mobile deposit of 6 XXXX XXXX money orders to my checking account with USAA Federal Savings. Per XXXX XXXX, these funds can be verified electronically as soon as the money order is issued through their system which banks can access any time. USAA instead put a 15 day hold on more than 50 % of my funds. I have banked with USAA for more than 10 years without a single overdraft or problem from me. 

I complained to the customer service and then spoke with a supervisor who both verified the deposits and the hold but said it was done to prevent fraud. However, since the funds can be verified instantly with XXXX XXXX, this is not true and the bank could have easily verified the funds in a reasonable 24-48 hours instead of holding my funds hostage for up to 2 weeks. I want to stress, THESE ARE NOT CHECKS, THEY ARE MONEY ORDERS- I BOUGHT THEM SPECIFICALLY BECAUSE THEY CAN BE VERIFIED WITHOUT THE NORMAL CHECK CLEARING PROCESS. USAA simply wants to use the fraud prevention as an excuse to not make my funds available to me. It my money, not their to sit on and use as they like for weeks on end. 

If they have done this to me, they are no doubt doing the same for thousands of other customers, holding their funds without the customer being able to access for long periods of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
Roundpoint assumed mortgage from XXXX effective XXXX. We immediately made our payment through our XXXX bill pay. XXXX sent the payment to the XXXX headquarters, in XXXX, N.C. We heard nothing until a month had passed. Then the payment was returned because the address was incorrect. Payments were to be sent to XXXX 's XXXX office. We immediately sent the payment to XXXX, and also sent the XXXX payment to XXXX. 
We have continued to make our payment, on time, but XXXX continues to deny receipt of the XXXX payment. We have spent countless hour in phone calls, sent emails and a letter to the XXXX. All with no result, after XXXX  months.

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 2024-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Let the company know I was the victim of identity theft and fraud on my account they still keeping unwanted information on my profile against my will and consent I ask for the removal which I'm in the right to do.

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 2024-01-20 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: LA

Complaint narrative:
Let the company know I was the victim of identity theft and fraud on my account they still keeping unwanted information on my profile against my will and consent I ask for the removal which I'm in the right to do.

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 2024-01-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I purchased a certificate of deposit with Citibank which matured in XX/XX/2023. They told me multiple times my check has been issued. I've also contacted them for more than XXXX times. No representative really understands my issue and they just kept telling me they will escalate the issue or the check will be received by certain dates. It has passed their promised due dates a couple of times but I still have not received my fund.

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 2024-01-20 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX sincerly XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened a dispute with Capital One for an unauthorized charge I didnt notice on my statement. I was informed a new card would be shipped and my account would be credited for the amount right away. However, I still havent received the amount in my available credit as promised. I also was unable to get detailed information on the entire process and likely outcome, as this is my first time ever opening a dispute. I need this credit to be applied asap with clarity on the procedure going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc.
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reached out to Experian in regards to inaccurate reportings pertaining to addresses\employer information, the reporting of my transactions history on the credit report and also an inquiry that is on the report.. I spoke with a representative, XXXX, in which I expressed that I wanted all inaccurate addresses & employers removed because they are non mailing addresses and they are also not my employer. I noticed the transaction history and an inquiry that was on my report as well. I received the results from the dispute back and noticed on the dispute report the transaction history, inquiry history are still on my report and also a non mailing address was left on the report as well. I called and spoke with a representative who advised a manager would be calling back within 48-72 hours. I also asked the representative where they get this information from? I was then told Experian receives their information from non affiliates ( third parties ) and Experian is also sharing and receiving information non affiliates as well! Not only did Experian violate my rights under the Privacy Act of 1974 but also all this information should have been removed due to 15 USC 1681. Experian also is violating their own Privacy Right to Correct : You have the right to request correction of inaccurate personal information that Experian maintains about you. The law states it is illegal to report Transactions History ( which has not been updated on my report ).

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 2024-01-20 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent a letter onXX/XX/XXXX and asked them to investigate the completeness and accuracy because I found that some things are inaccurate and not complete. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too.Can you fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NJ

Complaint narrative:
Prior to covid my student loans were affordable now with the new repayment plan they tripled to the point they are unaffordable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
It's been going for years. Something about 3-2 years and daily. They even call me on holidays and Sundays. There are other numbers too that I believe is related to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My card was used to rent a car in the XXXX, I was in XXXX at the time. i dispute the transaction but the wrong amount was entered. i went back and forth with Cap one and no one ever said i need to file a police report. which i did in XXXX all fees are associated with that charged. i didn't pay the bill because i didn't cause the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FISERV FINXACT CORE
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX assumed mortgage from XXXX effective XXXX. We immediately made our payment through our XXXX bill pay. XXXX sent the payment to the XXXX headquarters, in XXXX, N.C. We heard nothing until a month had passed. Then the payment was returned because the address was incorrect. Payments were to be sent to XXXX XXXX XXXX office. We immediately sent the payment to XXXX, and also sent the XXXX payment to XXXX. 
We have continued to make our payment, on time, but XXXX continues to deny receipt of the XXXX payment. We have spent countless hour in phone calls, sent emails and a letter to the President. All with no result, after 3 months.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIB Group, Inc.
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
on XX/XX/2023. I booked a flight with XXXX XXXX via PayPal in 4. I later that night received an email that the flight was canceled. I immediately contacted PayPal. PayPal approved my dispute and my money was refunded by my bank. The case was never closed, and I keep getting contacted by PayPal stating I owe them money. The way the representative explained it to me is that PayPal paid for the ticket and I was responsible for paying them back. However the flight was canceled and the money was refunded by XXXX XXXX. However PayPal is stating that I still owe them, for a flight I never took, that was not cancelled on my part but by XXXX XXXX. Also XXXX XXXX refunded them. If I pay them, then they are being paid twice, by myself and XXXX XXXX. Lastly, if I still owed them money then why did they refund me {$290.00}. They would've just kept those funds, instead of refunding me to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit 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: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I opened a dispute with Milestone / Concora Credit for an unauthorized charge I didnt notice on my statement. I was informed a new card would be shipped and the investigation would take XXXX days. I was unable to get detailed information on the entire process and likely outcome from the representative I spoke to, as this is my first time ever opening a dispute. I ended up having to call twice and both representatives didnt seem to know what they were talking about. I need this credit to be applied asap with clarity on the procedure going forward.

Company response to consumer: Closed with explanation