vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I applied for my loans to be consolidated in XX/XX/2022. During the wait, I was making payments to XXXX in XX/XX/2022, and XXXX XXXX totaling {$6400.00}. In XXXX, I received a letter stating my loans had been consolidated. However, the payments were not reflected and I received the letter after the appeal deadline to address the incorrect balance. I was told by Aidvantage that they sent over six consolidation payments when I only had five loans in repayment at XXXX ( one loan was paid off in XX/XX/2022 ). However, XXXX claims they received five payments and never received a payment for the loan I paid off. I contacted Aidvantage, XXXX, and XXXX XXXX times over the past three months to inquire why my payments weren't reflected in my current consolidated loan balance. Each time I spoke to each servicer, they informed me it would 30-45 days for the balance to reflect. However, Aidvantage and XXXX do not see any payments I've made and it's been over 45 days. XXXX stated they sent the payments over in XXXX. I only see {$50.00} payments and not anything totaling {$6400.00}. It's been 90 days since my loans were consolidated and my loans have still not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  ) during bankruptcy, failed to acknowledge payments. 

XXXX address XXXX XXXX XXXX, XXXX, Michigan XXXX after bankruptcy & ignoring complaints. Changed company name to " Carrington Mortgage Services LLC '' XXXX XXXX XXXX also in XXXX XXXX with SAME Phone # XXXX XXXX XXXX Carrington & XXXX SEEM TO be the same people with XXXX XXXX XXXX XXXX, XXXX Using different LLC company and abusing bankruptcy to escape liability. 

There is no proof that either XXXX or Carrington are authorized to service the mortgage or to charge extra fees & interest, while refusing payoff of the mortgage. 

I'm filing this complaint as " Proof of Claim '' against XXXX as guided by the XXXX XXXX XXXX Bankruptcy Letter I received from XXXX. In XXXX, XXXX XXXX XXXX XXXX XXXX ) sent me notice & an email saying " They no longer hold the XXXX XXXX # XXXX XXXX XXXX XXXX , despite XXXX being registered as the lien holder. After a complaint XXXX & XXXX was filed with CFPB, XXXX insisted they are no longer responsible for mortgage stating that XXXX XXXX XXXX XXXX XXXX ) bought out the loan. There is NO record of XXXX registered with OHIO as a lien holder. XXXX bank account at XXXXXXXX XXXX ( Acct # XXXX ) was CLOSED when I paid the mortgage off in full. XXXX filed for XXXX XXXX  Bankruptcy & I was given until XX/XX/XXXX to file a claim agaisnt XXXX. XXXX denied they had the Lien previous CFPB complaints therefor, I am requesting XXXX send a Notarized Letter of RELEASE OF LOAN # XXXX ( XXXX Case # XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Attached Files shows PayOff the mortgage in Full from XXXX XXXX to XXXX, XXXX Bankruptcy Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2022 I attempted to purchase a XXXX XXXXXXXX kitten from what I believed to be a breeder for {$850.00}, which seemed reasonable at first. Once the transaction completed, I expected to be able to pick her up, but received a notification that I would not be allowed to pick her up and that I needed to I pay an exorbitant fee, some {$1600.00}, to have her flown to me first class. That seemed wrong, but I was mourning the recent loss of our former, beloved cat and was not thinking straight ; I was also already {$850.00} into the transaction. I was told most of the payment would be refunded as part of a rental service, so I attempted to complete the transaction. It was blocked by Cash App, so I tried a few other methods, all of which were blocked, which lead the party requiring additional payment to request it in terms of XXXX or XXXX gift cards sent via XXXX XXXX. That was a resounding red flag, and I immediately contacted my bank and Cash App to recover my money. Despite many attempts to recover my money, Cash App has persistently refused to refund it claiming they are a peer-to-peer cash transfer service and not a payment service, and thus can not be held accountable for fraud on their platform. Such policies have allowed these scams to run rampant on their platform, wreaking havoc on families such as my own. {$850.00} is a significant amount of money to me. They said all I could do was request a refund from the seller, which a scammer would clearly ignore, but to play their game I requested one and was unsurprisingly rejected. Cash App has refused all further attempts to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TX

Complaint narrative:
I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX for inaccuracy - the payment history is inconsistent, and different account numbers are being reported XXXX, XXXX, and XXXX. How is this accurate when all data furnished should be the same? Why are there different account numbers for the same account and why are there are a variation of different late payments reporting? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Attached is my credit report showing the inaccurate information reporting on my credit 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 2023-03-20 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: M&T BANK CORPORATION
State: AZ

Complaint narrative:
Credit report indicates that M & T Bank reported a mortgage payment as 30 days late. 

Contacted M & T and representative assured there would be a correction and that proper payments would be credited On XXXX a payment of {$2800.00} was made. Unfortunately the payment was credited to only one month. However the payment was clearly for 2 months.

There has never been a 30 day late payment on this 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 explanation
Consumer complaint received 2023-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I was paying on a car form XXXX XXXX XXXX XX/XX/XXXX. The truck constantly needed repairs, and due to the beginning and continual effects of Covid, I had been unable to pay for the truck and it ultimately was re-poed in XXXXXXXX XXXX XXXXXXXX. This company continuously has their parent company XXXX XXXX XXXX ) put a hard inquiry on my credit almost monthly. I did not authorize anyone to run my credit, nor have I applied for a car in over two years. They also are not reporting the status of the account correctly. I was never sent any paperwork after the truck was picked up. I have tried to reach out to the company to correct the status of this car loan on my credit report. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. This company is in clear violation of the law I will attach a copy of the last letter I sent to the company as well as a copy of how this company is reporting to Transunion. XXXX XXXX XXXX also is reporting this account to Transunion as Open and the last activity on the account as of XX/XX/XXXX which is false.

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 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Sunlight Financial LLC
State: NC

Complaint narrative:
i own a XXXX XXXX ( XXXX XXXX XXXX  ), the bank ( Sunlight Financial ) who initiated a loan for a customer ( XXXX ) of mine shorted my company monies ( {$15000.00} ) that we installed a Solar Sytem for. I have called all parties involved with no response. Please advise what would be my next procedures XXXX is XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: NJ

Complaint narrative:
On XX/XX/2023, I spoke to Audi Finance about purchasing my vehicle after the lease had ended. The Audi representative sent me the documents ( via their web site ). I completed the documents and sent them and a check, via XXXX, to Audi Finance to buy out my vehicle. On XX/XX/2023, I confirmed with my bank that Audi cashed the check ( see attached ). The representative told me that the title would be sent in a couple of weeks. On XX/XX/2023, I contacted Audi again, and was told that the vehicle title was being processed and that I would get it in 3 to 4 weeks. I called them again on XX/XX/2023, XX/XX/2023 and XX/XX/2023 and was given the same response that I would get my title in the next couple of weeks. It's been 2 months since they cashed the check, and I need my title to re-register the car. I think 2 months is more than enough time and I don't feel confident in the last response I received, which was the end of lease department would contact the title company to send me the title in 7 to 10 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 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: MN

Complaint narrative:
I had fraudulant bank account opened in my name with Bank of America. This is my second complaint with the first case number XXXX. I see that case was closed and the information provided by the bank is NOT correct. I did receive the requested information nor is anyone helping me to obtain it now. What I want is to have a copy of the application and have been denied it even when I have submitted all the requested documentation. BOA states that a debit card was not issued but I have been told otherwise and was given the address to where it was sent. This is either an inside job or fraud by my exhusband.

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 2023-03-20 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: TX

Complaint narrative:
On my credit report Capitol One account Number XXXX shows that the credit card account was charged off for the first time in XX/XX/XXXX. I noticed these charge off have went on for nearly two years now, negatively impacting my credit score each month up until this current month XX/XX/XXXX. This is illegal! FCRA law section 623 says an account can be reported delinquent on the months THAT IT IS LATE but once an account is closed it CAN ONLY REFLECT charge off up until the closing date. Anything after that is not supposed to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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:
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 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 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was looking for a villa to rent out for a couple of days in the XXXX XXXX and came across the site XXXX  on XX/XX/2022 and inquired about a villas availability from XX/XX/2022 - XX/XX/2022 ( Link to villa is XXXX XXXX XXXX XXXX ) .After submitting my inquiry I was connected with an individual named XXXX XXXX XXXX XXXX XXXX He provided me information about the Villa and quoted me at {$6000.00} for our stay. Before I submitted payment, he provided me an invoice detailing the dates, name of the villa and terms of payment which included 50 % payment to reserve the villa and 50 % payment 1 month before check in. I sent the first payment on XX/XX/2022 in the amount of {$3000.00} through a wire transfer and {$1000.00} through a XXXX  transfer. On XX/XX/2022 I completed the payments and sent {$2000.00}. When the day came to check in I, along with 25 family members and friends, received a message from XXXX stating that he accidentally had me booked for the wrong dates and that the villa wasn't available. He apologized and said that he would refund me my payment by XX/XX/2022. 2 months have passed and he has been avoiding my messages and calls. I did further research and found I was not the only victim of this individuals fraudulent practices. I came across an article ( Link : XXXX XXXX XXXX  ) that states this company defrauded a family out of {$5500.00} last year. I was also placed in contact with a family from XXXX that was robbed by this individual out of {$25000.00}.

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 explanation
Consumer complaint received 2023-03-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A duplicate payment of $ XXXX was made on my Wells Fargo credit card ending in XXXX on XX/XX/23. I called in to have it reversed and the person I talked to said that she made a request to do so but it will take about 11 business days to reverse the payment to a non-Wells Fargo checking account. 

I called in today, XX/XX/23, which is the 11th business day from XX/XX/23 because I still don't see it on my checking account. I was told that it takes 30 days for " research '' to be conducted and another 11 business days for the duplicate payment of $ XXXX to be reversed. This is LONGER than what I was originally told. I asked if there's an escalation process. The representative I talked to transferred me to his next level of support. The next level of support said there was no way to escalate or do a follow-up because there was no contact to talk to in the " research '' department. I asked what was the next line of support I can talk to. She transferred to her " manager. '' That manager hung up the line. 

The $ XXXX that was pulled out of my checking account was supposed to pay for my bills, mortgage, insurance, property taxes ( and checks that now bounced ) that I could not do because Wells Fargo wouldn't give it back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear CFPB : I opened a Chase 3 months CD and signed up for the auto-renew option. However, when I try to cancel the auto-renew, their website doesn't have the option. So I went to a Chase branch to stop the auto-renew. However, I was told by the Chase banker that there is no option of stopping the auto-renew of the CD. I can only wait until the CD is matured, then I can call them or come to the branch to cancel the next CD that is renewed.

I believe it is the consumer 's right to stop renewing the CD. Chase does not have to right to force me to renew it and then I go to their branch to cancel it. It is a violation of the consumer 's rights. Please help to stop these illegal proctices. 

Thanks! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Greetings! 

I am writing to inform you about a scam or phishing attempt. Even though I do not have any debt, I am getting phone calls with no messages left from Midland Credit and XXXX  XXXX. I have not received any information from these companies. I learned these are debt buyers and collectors through an online search, including the Consumer Financial Protection Bureau ( CFPB ) s website ( CFPB, 2015 ). I have reviewed my credit reports from all three Credit Bureaus and confirmed that I do not have any collection. 


Source : CFPB ( 2015 ). CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses are listed here : 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 

I am also showing incorrect employer of XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SERVICEMAC, LLC
State: NY

Complaint narrative:
Dear Investigation officer, I have been paying mortgage from the same bank account for last 1 year and the money was available, but the payment was bounced & marked for 30 days late. I have reached out to the company & they have given me a runaround for the last 3 weeks without any satisfactory answer. I have submitted to show the bank statement that the money was available but as of now there is no result.

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