vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The Transunion Credit bureau must remove an old account that is ready to fall off my report I have tried several times to get this account removed.

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 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The Equifax Credit bureau must remove an old account that is ready to fall off my report I have tried several times to get this account removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: NH

Complaint narrative:
Guild has already promised to make me whole in the following matter, but I am filing this complaint for the benefit of others similarly situated who are not aware that Guild is mishandling their account to its own advantage. 

Earlier in 2022, I took out a conventional fixed-rate mortgage from Guild Mortgage Company in connection with a new home purchase. As is routine and expected, Guild promptly sold the note while continuing to service the loan. 

I recently received a letter from Guild, stating that " As a result of an examination of your mortgage loan file, a refund for appraisal fees we collected in the amount of {$150.00} is being made for your benefit and applied to your loan as a principal reduction. '' This {$150.00} fee coincides with a line item " Appraisal Fee - Review '' which appeared on my XXXX settlement statement at closing. My presumption, which Guild did not deny when I alleged it in correspondence with them, is that no such review ever actually occurred ( Guild chose the appraiser, so why bother? ) and so they had no basis for charging this fee.

This {$150.00} fee is a cost that I paid out-of-pocket at closing time, so Guild should have sent me a refund check rather than applying it to my principal balance. Furthermore, even if I had financed my closing costs, they should have given me a credit for the interest which has accrued on the {$150.00} since closing.

By applying the {$150.00} to my principal balance rather than paying it to me directly, Guild was being unjustly enriched at my expense because prevailing mortgage rates, and even treasury rates, have now risen significantly higher than the fixed rate that I received. Until such time as my loan matures and the final payment has to be remitted to the note-holder, the {$150.00} credit to my principal balance is nothing but a bookkeeping entry. By postponing any actual payment until that time, Guild effectively gets to piggyback on my favorable loan terms and invest the money elsewhere at higher yields, taking the same opportunity away from me.

Guild immediately folded when I confronted them and has promised to reverse the principal credit and send me a {$150.00} check instead. They evaded my questions as to why they took these actions in the first place. There are likely many other borrowers in the same situation as mine whom Guild has still not properly compensated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16 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: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I was made aware of fraudulent purchases made on my Gemini credit card account that occurred on approximately XX/XX/2022 totaling approximately {$850.00} by receiving emails reporting suspicious card activity. The following transactions are listed : -XXXX, {$110.00}, XX/XX/2022 -XXXX, {$39.00}, XX/XX/2022 -XXXX, {$39.00}, XX/XX/2022 XXXX XXXX XXXX, {$49.00}, XX/XX/2022 XXXX XXXX XXXX, {$110.00}, XX/XX/2022 -XXXX, {$7.00}, XX/XX/2022 -XXXX, {$110.00}, XX/XX/2022 XXXX XXXX XXXX, {$190.00}, XX/XX/2022 I immediately on XX/XX/XXXX sent a support ticket that I did not in fact make these purchases. I was told that I would have to wait about a week for the purchases to be posted on my account. Approximately a week later, I sent another request detailing all of these fradulent purchases. They opened a dispute case. 

About XXXX and a half months later, I was informed today, XX/XX/2022, that my fraudulent activity claim was denied. I informed Gemini via support email ( as Gemini does not have a phone line support I can contact ) that I will not be paying for any fradulent purchases I did not make, and will file a police report if necessary. I have taken steps to file this CFPB complaint to ensure Gemini does not intend to expect payment from consumers like myself that are victims of credit card fraud or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
I have student loans handled by Ed Financial Services. On XX/XX/2022 I called customer support to get my payment towards my loan made in XXXX of XXXX refunded. I was told I would receive a refund sent to the original payment method within XXXX days. After XXXX days and no refund, I called again, and I was told that there is no estimated timeline for my refund and that I will most likely not receive it before the forgiveness application window in XXXX. I asked to speak to a supervisor to discuss the issue, and I was told that there was no one available for me to talk to. They will not give me any more information of than that I will likely not receive it for XXXX or more months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statebridge Company
State: FL

Complaint narrative:
I contact this company on several occasions and XXXX has also been disputed. I sent a letter to the Statebridge collection company asking them to validate the account, send me contracts, etc. Without any answer. XXXX tells me that this company has reported different information on several occasions. First the amount was {$7800.00} and now they reported {$15000.00}. They have also reported different open dates.It 's frustrating because I'm trying to buy a house for myself and my son and for this account I can't qualify. I have done everything to solve this problem. I communicated with XXXX and nothing. I need help. 

XXXX XXXX XXXX Statebridge Company Number # XXXX Reported by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have a the right to privacy.

16 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-09-16 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Received a Large Payment ( XXXX ) from XXXX XXXXXXXX XXXX on XXXX XXXX, My Mortgage Balance was {$51000.00} and now balance says {$36000.00}, this has to be a mistake on their part, my balance should read now between $ XXXX {$31000.00} owed. Also my name as XXXX XXXX XXXX is the Owner should read on my Loan, not my XXXX whom I XXXX since XXXX XXXX, He ( XXXX XXXX ), he also filed Bankruptcy as of XXXX XXXX, Balance XXXX on his behalf.

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 2022-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear sir/madame, On XX/XX/2022, I sent a wire transfer from my business account at Bank of America to my partner 's account at a bank in XXXX to pay for the services they provided to my company. The receiving bank in XXXX was supposed to be XXXX, though the funds never reached it. The whole chain is Bank of AmericaXXXX XXXX XXXX 
XXXX XXXX. is an intermediary bank in this transaction, and I assume XXXX XXXX. has been holding my funds since then. The XXXX number for this wire is XXXX. 
I have previously submitted a complaint against XXXX with Consumer Financial Protection Bureau, case # XXXX. Based on their response received on XX/XX/2022, XXXX XXXX. is unable to assist with a wire in which XXXX is the intermediary bank. XXXX advised to contact the origination bank, which is Bank of America. 

I have contacted Bank of America prior to that complaint over XXXX times in XXXX and XXXX of 2022 with no luck. Per their verbal statements, they have attempted to request a wire recall which was denied, and can not assist me any further. 
Bank of America has not provided any proofs that such request have been made and/or denied. Their wire department and money move team were not helpful and I would say some representatives were even rude with me. They told me there was nothing they could do to help me to get my money back into account, and advised I should not call them any more about that wire. 

It's almost 5 months I am missing {$52000.00} on my Bank of America account. I am a customer of Bank of America, they were the bank sending that wire that got lost. They have charged me wire service fee, and I believe they did not do their job properly to get those money back into my account. By filing this complaint I am asking Bank of America to provide me documental proofs of wire recall requests being made and being denied, and to further investigate this wire transfer until the money being returned into my account. 

Thank you for the support, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I was told by Freedom Mortgage back in XXXX, that I would need to do a Loss Mitigation Packet, if I want to make a change to my Mortgage regarding payments. So, that's what I did. I submitted my Loss Mitigation a total of 3 times. I have the proof of everything requested and sent. Time would go by of over 30 days, I would be told to submit documents. Each time I complied, and wrote to them, that everything being asked I sent. Over and Over, I submitted the same documents. XX/XX/XXXX the sent a letter, saying the needed more documents that I already submitted by XX/XX/XXXX. I did again. I called 6 days latter to see if finally after submitting the same stuff over and over again. I was told by an agent on or about XX/XX/XXXX, my home was Foreclosed on. My Loss Mitigation never got reviewed, I kept getting the run around. I still live in my house. I asked for them to reverse the decision, no reply. I can afford to stay in my house, and keep it. They never reviewed my Loss Mitigation packet. I've tried to work things out Freedom Mortgage, but I can't seem to get a hold of a person. Online messaging for everything Please help me. Michigan is a redemption period is 6 months. I have 3 months left. Please help me with this. I want to keep my house.

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 2022-09-16 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: CORELOGIC INC
State: AZ

Complaint narrative:
Fraudulent inquires by the following companies without my consent. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX loan. XX/XX/XXXX Credco XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS Admin XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: TX

Complaint narrative:
I applied for a loan and I was approved for {$1400.00} and after deducting their XXXX XXXX Origination Fee, they funded me {$1200.00}. So now they said I must payback {$2200.00} ( XXXX weekly payments of {$220.00} ). I have made XXXX payments totaling {$1500.00} and I still have XXXX more payments remaining totaling {$660.00}. 

So that means they loan me {$1200.00}, I am paying like XXXX XXXX on interest por XXXX months loan. 

I didnt know that when I signed for This loan. I try to talk with them to send me the details about the loan they said this is not a loan and I should read this before signed. 

Can you please help me with this situation? This is a lot of money to pay back for a loan. In this short amount of time. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I have been repeatedly contacted by a XXXX XXXX on behalf of a Milestone Mastercard account that I have been trying to dispute. My brother did a lot of fraud and identity theft on family members, I'm not sure this debt is mine and have asked for confirmation in the past. I never get it, and they stop chasing me a while. I moved almost two years ago. I was contacted today saying that they have sent legal documents for proceedings against me. I told the person that I haven't lived at the address they were sent to for some time. I get bumped up to what I am told is a legal case XXXX, who proceeds to tell me that she refuses to allow me to contest the debt as she is already in legal proceedings against me over such. We wind up in an insult match where she tells me that she will have me in court and take money from me regardless. This is heated, unscrupulous behavior. This agency knows full well that I have attempted to refute this debt on every occasion they have contacted me, and now that they know I have not received the filings sent to me are still trying to pursue this debt I ask to contest. 
I need immediate assistance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: AES/PHEAA
State: MA

Complaint narrative:
The Companies involved include XXXX and XXXX. 
XXXX inherited this issue from Fed Loan. 

As of XX/XX/XXXX I completed my 120 payments for loans 4 and 5.

I submitted in July my paperwork indicating I was still working for a public service agency. 

After finally, correcting its miscalculation in August Fedloan credited me for 2010 payments. 

Still they credited me up to XX/XX/XXXX. I am fine with that. But I should not have to submit anything more to start the formal loan forgiveness. As my employer already signed a form in XX/XX/XXXX. 

I am attaching what I submitted at that time. 

Please note the forms were used to credit me for 120 payments and therefore the signatures and information should be sufficient to forgive my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
ECSI has attached a debt to my credit and willfully violates an automatic stay order of my chapter XXXX bankruptcy in defiant violation of the Fair Credit Reporting Act ( FCRA ). They were notified on three occasions ( via mail, phone and email ) of bankruptcy filing by my attorney and myself. XX/XX/XXXX in the XXXX XXXX of California chapter XXXX was filed on my behalf by attorney XXXX XXXX case # XXXX. ECSI refuses to remove the debt from my credit in clear violation of FCRA. 

Further, the debt is for a student loan allegedly dispersed to me in 2004. The last year I attended XXXX XXXX was XX/XX/XXXX. This charge is fictitious. 

The misreporting of this information has had a negative impact to my credit. It has also recently caused me to be declined for credit. The stress of trying to correct this with the company has been both burdensome and time consuming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The XXXX Credit bureau must remove an old account that is ready to fall off my report I have tried several times to get this account removed.

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