vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I made a deposit and try Iog in to my bank account and I was denied, the next day I call and they said they close my account and they decide not to tell why. 
They said my money will be mailed out the next day. 
It's XX/XX/XXXX and my money still in the account, they been giving me the run around for 3 weeks keep saying the bank haven't not answer their request, to call back in 5 days, I been told that about 3 times already. spoke with a supervisor name XXXX and now she ignoring my calls and not picking up my calls when I get transfer to her. They close my account for no reason, they didn't tell me why and they still my holding my in my account

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 2022-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Hi, This account with Caliber home loans I have had for a while. In XX/XX/XXXX we placed the account on forbearance due to covid which lasted until XX/XX/XXXX. 

In XXXX I reached out to Caliber that I would like to get a loan modification which is offered to all covid forbearance clients. At that time the FRM weekly average rates were running between 3 to 3.5 %. 

Caliber first they said I do not qualify for Flex modification without giving any reasonable explanation. After bunch of phone calls and speaking to supervisors and sendinge-mail they finally agreed to process my request. However, Instead of processing my request in a timely manner which is a few weeks, it took them almost 6 months to process it. 

The issue is that by the time they proceed it rates were already over 5 %. This means that I will have to pay around extra 1.5-2 % ( or 9-12k ) because Caliber did not process my application in a reasonable time frame as required by law, and therfore putting an extre burden on me and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On my Fico score it has 6 late payments 30+ days and I am not behind on those payments. When I called Equafax they said they can only assist with my XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Please help my family and myself. I have contacted Equifax over 15 times in regards to verify some items on my report. I learned from your site that they have 30 days to get back to me. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I emailed the CEO of Exquifax XXXX XXXX and have yet to hear anything back. The items that they have on my report are stoping my family frombeing able to purchase a home, and have cost me an employment opportunity. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NRA Group, LLC
State: TN

Complaint narrative:
Company sent a text to a family member releasing my address, the collection account number, the amount owed, the medical name of the original collector. The date when I was at the doctor. It was sent XX/XX/2022. I have all screenshots of the text. They call me 30 times a day so they have my phone number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: NY

Complaint narrative:
To whom to may concern there is erroneous/ inaccurate information on XX/XX/2021. I am currently being hit with a bunch of hard inquiry 'd on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I never gave any car dealership the right to run my credit score 6 separate times on the same day.

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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a letter from Wells Fargo dated XX/XX/XXXX stating they are contacting me to inform me that my account may not have closed when they told me it was closed.They attached a check in the amount of {$26.00} and said it was for reimbursement for any fees I was charged after the account failed to closed. I also received another letter from Wells Fargo dated XX/XX/XXXX with a enclosed check for the amount of {$27.00} stating that this check was for fees that were charged while a unauthorized restraint was placed on my account.They also instructed that the check includes ban additional amount of {$1.00} to compensate for the time these funds were not available.I 've spoken to multiple representatives for Wells Fargo and XXXX which is a third party company authorized to issue the checks on behalf of Wells Fargo and I have been getting the run around. I get transferred from department to department on cold transfers having to re explain the situation to every representative I speak to. I been. feed inaccurate and incomplete information by representatives from both Wells Fargo and XXXX. I've filed multiple complaints with each department one on XX/XX/XXXX, another XX/XX/XXXX and XX/XX/XXXX for Wells Fargo Remediation Program but have failed to get any answers for any of my questions and concerns.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please help me and my family. I have contacted Transunion over 13 times in regards to verify some items on my report. I learned from your site that they have 30 days to get back to me. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I emailed the CEO of Transunion XXXX XXXX and have yet to hear anything back. The items that they have on my report are stoping my family frombeing able to purchase a home, and have cost me an employment opportunity. Please help me and my family.

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 2022-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES
State: KS

Complaint narrative:
Got my tooth XXXX paid cash the receptionist messed up some how and sent a bill to collections. I called several times and was spoken to like a criminal as if I have done something wrong. I'm not paying something I already paid in 2018 .this needs to go away. I called the dentist. They don't even remember my visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
It is never going to be fixed until PayPal will be sanctioned for its unfair practices to hold onto my money. I spent almost a month to transfer my money to XXXX XXXX without success. Every time I repeated the link process it was stating : successful, but PayPal just resisted to make money available as an external account on my XXXX account. 
Now I transferred my money to my Bank on land and first they began to look for any way to hold onto my money too. Finally, after I told them that I am going to complain they promised that it will take one day and it was done. For the second transfer, in their email PayPal said that the money will be there in one day, but it was not at the same day as it supposed to be, I believe sent virtually in minutes or as stated in email on XX/XX/XXXX, in one day. Today XX/XX/XXXX and my money isn't in the bank yet and my purchase that I planned is jeopardized as I need to make a transfer from the bank. The email arrived that I got a message from PayPal that I can only see partially because PayPal does not allow to see the entire conversation and only part that fit inside the frame on the laptop screen inside smaller frame on PayPal page. There agency was talking about 6-7 days for transfer. This is unbelievable how easy they deceive, take an advantage and make me nervous at my ages. I got so sick at the PayPal games that I need to get a medical assistance. 
I was going to pay for a purchase and now it is fell.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Date : XX/XX/2022 Company : Equifax On XX/XX/2022 from the hours of XXXX est to about XXXX I was On the phone with employees of Equifax seeking information as to why my credit score and items on my credit report were different every time they were checked, from accounts showing balances that were paid off 30-60 days prior to applying for loans and or requesting credit reports. Asking to speak to a supervisor ( who denied my request for his name ) I was met with attitude and given short snappy responses as I tried to seek a better understanding as to why my credit report/score with only Equifax is never in line with what the physical copies of my report or what my banking institutions sees as I try to apply for an auto loan. 

I was left on hold for 40 minutes and counting only to be met with the two question survey about my experience with the Equifax employee today. 

I would like to have my credit scores updated as I have worked hard to improve my credit and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Initial contact with Bank of America via email on XX/XX/XXXX that an application was in progress for an 'advantage safebalance account. ' Called and spoke to several representative over span of a few days, application was cancelled. Bank of America assured me that a fraud flag of some sort was placed on my name for future fraudulent attempts. On XX/XX/XXXX I received the same emails, this time with a subsequent email informing that the account was opened successfully. Bank of America has been unable to connect me successfully with a representative to close the account. The hold times are over an hour and the last representative that I spoke with had the call disconnect. 

Additionally, all three major credit bureaus are frozen, as well as XXXXXXXX XXXX. Bank of America has been unwilling to provide me with any information on how they verified the identity of the criminal trying to open an account in my name with these security freezes in place.

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 2022-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Ive requested through XXXX, XXXX and XXXX for the Prof Debt Account XXXX debt collector to validate the information by providing supporting documentation with the original creditor documents that was sent over to them ( debt collector ) to support the collection on file. I have yet to receive any documents to support that the account insure accurate and correct. I only received a verified status on the credit bureaus. How did you validate the information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed inaccurate information on my credit report and Experian keeps saying either " updated '' or verified. I have asked for proof of verification multiple times and never received it. Also if you look at the attached credit report nothing was updated which proves that the credit bureau lied! I demand this inaccurate information be removed from my report. 

Account XXXX XXXX & XXXX  again, I have never been late on these accounts. Please investigate and provide PROOF OF VERIFICATION. Failure to do so will result in me seeking an attorney to take care of damages.

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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've had a checking account with Citibank for over 20 years. On XX/XX/2022, I wrote a check from my account to a family member 's LLC. Earlier this month, my brother-in-law wrote a check from that same LLC for made out to me that I deposited at a Citibank branch that later was returned as NSF. Subsequently, I made one outgoing ACH payment with funds that had been available that were also returned. 

I was able to re-deposit the check, which cleared, but during this time, my account was frozen by their fraud department. I tried calling multiple times and would be passed around to various departments and on the 5th day of calling, was told my account was being closed down and they could not elaborate as to why. 

This is my primary bank account that is tied to my mortgage, my direct deposit paycheck, my joint account with my wife, and my 16 month old daughters account. This account is my absolute financial centerpiece and with a 16 month old, a 4 month old, and a mortgage to pay for, Citibank completely disregarded the impact that they are creating. They do not even have the courtesy to call or overnight the funds so I can figure out next steps, instead stating it will arrive in 3-5 business days ( I have my next mortgage payment due before then! ). This is criminal behavior that is likely systemic and not a one off situation.

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 2022-09-23 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: VA

Complaint narrative:
This account is inaccurately reporting and I've demanded Transunion to remove and discharge but they refuse. This account was verified as inaccurate by both XXXX and XXXX. They have accurately updated my reports. Transunion is aware of this and still refuse tor remove or update the account accurately. This is intentionally keeping me for gaining access to capital. I've sent an affidavit to their attorneys XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. They are still refusing to correct my consumer report. 

I've sent this request before. XXXX verified the account was inaccurate and removed it via complaint XXXX. Transunion did not remove nor provide copies of the XXXX XXXX documents requested to validate their findings. The complaint # XXXX. 

I've also asked for an inquiry, XXXX XXXX XXXX dated XX/XX/2022 to be removed. This is not my inquiry and I demand it be removed. 

It is your responsibility to make sure I'm treated fairly and my consumer rights are still being violated from this issue. Please assist me with resolving this matter this time.

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 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX {$100.00} cash app Decline payment on XX/XX/XXXX of XXXX And said that it get got directly sent back to the XXXX XXXX merchant But I havent still receive my funds back yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
We have made several attempts and requests to have the PMI removed from our account. I submitted formal paperwork along with the required payment in XXXX. Since then, I have contacted PHH Mortgage requesting an update on my request. Each time I have been given a courtesy email stating they need 10 days to process my request. I received an email from my mortgage company wanting me to refinance my loan and stating the value of my home was more than double what I owed. When I confronted them with this information and asked again WHY I was paying PMI, I was again given the 10 courtesy email. I called and was told unfortunately nothing had been done with my request. When I expressed to them I wanted it handled before my XXXX payment or I would seek another Mortgage company, I was assured this would be taken care of. Today I received a letter stating they are no longer servicing my loan .... no refund of my required payment for the consideration for the PMI removal that was NEVER even reviewed ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: SC

Complaint narrative:
I received letter from Firstsource Advantage dated XX/XX/2022 saying I owe {$5300.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IN

Complaint narrative:
I moved out of XXXX XXXX Apartments in XXXX, XXXX. I checked the rent payment portal for my balance. The balance shown was {$110.00}, paid on XX/XX/XXXX. The early lease termination penalty wasn't posted. 

On XX/XX/XXXX ( or just before ) I received a call from Hunter Warfield, a collection agency, and was told I owed money. I asked for a statement, argued and that was that. 
I called XXXX falls, they provided a statement and I paid the amount shown of {$640.00} on XX/XX/XXXX to XXXX. 

A month or so later I received another call from Hunter Warfield. I told them that I paid the money owed directly to XXXX XXXX. 

when I discovered the negative reporting on XXXX I contacted XXXX XXXX. They refused to correct the status of my debt to Hunter Warfield. 

I opened a dispute with XXXX that did not result in a correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: Nelnet, Inc.
State: IL

Complaint narrative:
I presently have reported that I have a stalker and it is documented with federal agents. We have military and former FBI agents that have been altering and doing identity theft since XXXX in my accounted. My address was XXXX XXXX XXXX XXXX XXXX, Ca XXXX mailing address is XXXX XXXX XXXX XXXX Ca XXXX. I am in XXXX, IL and I am presently being stalked and harassed as documented on TV. I am unable to work due to this as they are a danger to the community. These are 8 FBI agents that have been fired from California in XXXX to present. Attempting to get us to change or statements and all evidence we have collected from their false investigation caused by community sell or give to Arizona as known to the school named as they had some on their campus.

Company response to consumer: Closed with explanation