vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: MN

Complaint narrative:
My phone was stolen on XX/XX/2023 around XXXX. On my XXXX  watched I received a notification saying my account was used to send {$200.00} dollars to someone I did not authorize via Cashapp. I immediatly logged in to Cashapp on my friends phone and contacted support, where they disabled my card due to the fraudulent activity and made a dispute on the transaction. I then called support to double check that it was filed and was hung up on 4 times before I gave up. I was informed today that they will not be refunding me my money because they said I did the transaction. I called them and was on the phone for over an hour filing another dispute and was hung up on. I then get an email saying they had already informed me of their decision and to refer back to the previous claim when I was told we were starting the process over again. I asked why it was denied and they could not give me any specific reason other than they think I did the transaction. I have never disputed a charge with them. I requested documentation as to why they denied me and I all their reasoning was, was to show me the transaction and when it occured and said I did it. There was literally no proof just the amount of the transaction and date, and they said because of this I did it. This is a lot of money to me and getting no support from a company I use and support often is not right. The way I was hung up on multiple times and not given clear information of why I was being denied is not right. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Paypal.com issues customers credit through Synchrony Bank. As a customer, when I log into Paypal.com and select the option " make a payment '', I am redirected to the Synchrony.com platform to make a payment.

However, during the past " few '' ( this has been ongoing for several weeks and possibly months ) weeks, neither paypal.com website NOR synchrony bank website appear to be working properly to allow customers to make payments. 

Refer to " XXXX '' website to see additional customers experiencing the same problem : XXXX XXXX XXXX I have contacted Paypal.com customer service numerous times and filed a complaint. However, there is no resolution or response. Synchrony Bank does not appear to be responding to customer complaints and there is no communication being issued to address this matter. 

Bottom line : I am unable to use their platforms to pay my bill.

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 2023-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have filed a complaint about Wells Fargo on Several occasions and they comeback denying the have done anything wrong. So now I will attach proof of those lies and making it known that the initial filing of foreclosure in XXXX of XXXX was done at the same time I was in active loss mitigation with Wells Fargo and that the hearingnnthat took place in XXXX of XXXX, after the servicing of my loan was passed onto XXXXXXXXin XXXX of XXXX, was done at the sametime I was in a forbearace plan and is a direct violation of the dual tracking law which prohibits any foreclosure action. Furthermore it is stated in the documents sent to me that while in forbearance no further foreclosure action will take place. Proceding with any more foreclosure activity based on a hearing that in itself Violated Federal Law which gives no credability to the results of that hearing, is knowingly pursuing an illegal foreclosure.

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 2023-03-29 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: VA

Complaint narrative:
I have one XXXX credit card, issued by XXXX Bank. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to XXXX customer service, but they said, they can not correct the error that I need to dispute it.

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 2023-03-29 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: VA

Complaint narrative:
I have XXXX XXXX credit card, issued by XXXX Bank. However, the same account is showing up XXXX  on my credit report, effecting my overall utilization. I reached out to XXXX customer service, but they said, they can not correct the error that I need to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: VA

Complaint narrative:
I have XXXX XXXX credit card, issued by XXXX Bank. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to XXXX customer service, but they said, they can not correct the error that I need to dispute it.

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 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Paypal keeps using security as an excuse to not give me my funds. My funds came from my federal tax return, and fafsa refunds. I've been calling paypal since XX/XX/2023 trying to get my funds transferred into my bank account and everytime i call they have different excuses about why i can't access my money and why they've locked my account down. I've been calling everyday trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
When I refinanced my home with Home Point Mortgage I feel that my Escrow money was miss managed. The first year after that my mortgage payment went up almost {$300.00}. I realized that my taxes and insurance did go up so after long discussions with them about the shortage from the loan I paid. Now this year they say I am almost another XXXX in the whole. Taxes and insurance according to them went up by XXXX for the year. I will now be paying {$600.00} dollars more a month for the same fixed rate mortgage that I got XXXX years ago. The price hike is over 2 years. 

This companies shareholders sued the company and won. I see where other customers with the same mortgage provider are suffering the same problem. I would like to know how to go about stopping this ridiculous increase without sufficient evidence that they have not done something wrong when the loan started and miss use of escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have twice asked for inquiry about two debit card purchase on my checking acct statements. Both requests for reimbursement were denied and considered " non fraudulent ''. 
However, the two DBT purchase were both made using XXXX XXXX transfer service. 

XXXX. XX/XX/XXXX {$53.00} XXXX. XX/XX/XXXX {$500.00} In both these transactions my wife and I can not see any way we made these debit charges, nor any goods we purchased in this way. We had used our bank debit card in travel, which we rarely do. Perhaps that was the point where our debit card # was compromised. Of course we obtained new debit cards and I even changed my pin. 

But Citizens Bank refuses to consider these charges as fraud, after two internal inquiries on their part. So we have currently lost over {$550.00}, and Citizen 's Bank could care less!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital one credit card say over my credit limit and not paid. I paid it in full in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
UMB of XXXX XXXX has extended the length of time to do bill pay from accounts and now has refused to make any medication to the problem. All of the problem phone lines say this is a problem and it will be solved ( 2 days ago ). in the mean time I have monthly bills not being paid and having to pay with a 2nd form of payment other then UMB. The usual time for bill pay is 3 days it has now been 7. Is this bank going out of business should I withdraw all of my money before I lose it.. 

Thanks for any help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
Complaint Details During the pandemic, Freedom Mortgage offered a program forbearance. We applied for the program because my wife has her own business that closed temporarily due to the population she works with. This was a huge loss for us. When the Forbearance was completed we were told that we had to pay the entire amount of the forbearance back in XXXX lump sum. We were put into loss mitigation. Then we told we had to make payments on the XXXX  of every month for XXXX months to have the ability to pay on line, which we did. Freedom Mortgage sent out a new payment packet via XXXX XXXX and they put the package in our front door. We were never told it was sent. We do not use our front door and we didn't know it was there until we received a letter stating it was null and void because we didn't return it. I asked to have it sent again. I was told had to start over and fill out all of the paperwork for loss mitigation. After filling out all of the paperwork, we were told we were not in compliance with the submission of a completed loss mitigation packet despite doing so. I filled it out again and sent it. At the end of the time period we were then told that it was never submitted because it was incomplete. Upon filing it again we were always told a different story as to what was missing I then was told that it wasn't right and that they needed something else. I have been given a direct contact name that you can not reach. I have asked them to contact me directly by phone, they have not. I have called in many times to make payments and ask questions and have been told different things by their customer service. I am once again being asked to send in different documentation. I have all of the emails, paperwork saved.

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 2023-03-29 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: Nelnet, Inc.
State: IL

Complaint narrative:
When the XXXX admin announced the student loan forgiveness, I was eligible to have my payments from XX/XX/XXXX thru current date refunded. At the time of the plan 's initial rollout I had already paid my student loans completely off. However, in accordance with the XXXX plan I was able to request all my payments from XX/XX/XXXX to XX/XX/XXXX be refunded to my account and a check mailed to me, or an electronic deposit. I called Nelnet in XXXX or XXXX to have my refund initiated. After a few weeks I saw the balance reappear in my Nelnet account, approximately XXXX XXXX dollars. I then waited many months for the electronic deposit or the paper check to " balance '' this out. I have not yet received such payment. I have called them at least XXXX separate times since last fall to try to get the update on where my money is and every time they say the federal reserve is backed up. However I have also seen and heard countless people doing the exact same tjing as me and they get their refund in a timely manner. I am afraid that if I do not get this check, I will be on the hook for the XXXX XXXX dollars in my account balance, and that is unfair because technically I already paid that off. The studentaid.gov website says that lenders are to refund borrowers via XXXX XXXX that they initially paid in. All my loan payments were made electronically, and therefore a refund should be processed and sent electronically. This process shouldn't take XXXX freaking months. I have tried being nice on the phone every single time and I am at my wits end. Student loan repayments are to be continued this year and I do NOT plan on sending payments to pay a " ghost balance '' in my account to keep my credit score up. I need you guys to force their hand and have the check mailed to me immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NC

Complaint narrative:
True accord llc is a debt collection agency that on XXXX has taken action from XXXXXXXX XXXX the original creditor account sayinh that I owe {$260.00} for XXXX XXXX.i have contacted XXXX  back on XXXX that I have filed a complaint on the phone and also sent a cfpb complaint about this matter and have not received a reply back .so I'm filling out a new complaint with True Accord about this matter

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America fraud Credit card compliant- In the past 2 years Ive had 3 attempts to open a Bank of America XXXX XXXX XXXX XXXX Visa Signature card under my name. Each time I report it to one of the credit bureaus. I was told if I do one, its reported to all 3. I noticed my credit score went down XXXX points because of this most current repeated attempt to open a card under my name. The only reason I know of the application is because B of A sent me a mailing regarding my account. Ive NEVER had an account with B of A. Again this is the third time with B of A. They need to tighten their practices as its impacting my credit score. Where did the breakdown happenAGAIN?

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 2023-03-29 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: NY

Complaint narrative:
FRAUDULENT ACCOUNTS XXXX ) XXXX XXXX  AMOUNT XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX {$320.00} DATE XX/XX/XXXX FRAUDULENT INQUIRIES XXXX ) XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX INCORRECT ADDRESSES XXXX ) XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX aacordance with the fair credit rereporting act These have violated my rights 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written intructions

Company response to consumer: Closed with explanation