vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2023 I spoke with XXXX XXXX a float personal banker as well as XXXX XXXX the county region Manager with regards to the many attempts prior to the use of the balance calculator on the checking account. I also called the service number provided. No one had even heard of the balance calculator which is the " check register '' for online banking. I was told that it was my browser although I used different browsers. I was told that it was not a bank error although the message on the screen was generated by the bank. I was told many times that the situation would be addressed and an urgent request was filed by XXXX XXXX. As of this date, nothing has changed. I rely on the balance calculator to help with paying my bills on time and being able to project future balances. I do not feel that my issue was taken seriously. Many of the people I spoke with at the customer service number had no idea what I was talking about until one actually looked at her own account and saw the problem yet nothing was attempted to address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Common Wealth Mortgage Services
State: UT

Complaint narrative:
On XX/XX/XXXX  I contacted my mortgage loan servicer ( Intercap Lending ) to inquire about closing my escrow account with them so that I could assume the payments myself as they failed to properly assess my previous years taxes resulting in a greater than expected shortage on my escrow account. I spoke to their VP of default servicing who assisted me in removing this account and ensured me that I would be receiving a check in the mail for the current balance on my escrow account ( {$1700.00} ) so that I could apply that towards my property taxes. On XX/XX/XXXX I was approved for the closure. Per CFR 1024.34 I was advised that I would be receiving my check in the mail within 20 days. I contacted their office on XX/XX/XXXX  to inquire on the status of the refund and did not receive a reply. I attempted to contact them again on XX/XX/XXXX  and XX/XX/XXXX  again did not receive a reply. Today ( XX/XX/XXXX  ) I was able to speak to a representative and was advised that no escrow refund checks or checks of any type were approved to be sent back to me. I was told to contact the individual whom I worked with however he is out of town and unresponsive. My county tax bill has been sent to me directly and I am to make payment within the next month or face penalties. The loan servicer will not release a check and is currently in violation of CFR 1024.34 as the 20 day deadline has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: OH

Complaint narrative:
Someone stole money from my account. It made is XXXX I had some money in my account then this ather amount came through making it to be negative. So they took what was in my account and left a remaining negative balance of XXXX XXXX dollars and some change. So then a few days letter cash app gives me a credit of XXXX dollars and took that money and made my account positive. Now Cash app for the XXXX from. XXXX bank account. So then that 2 amounts added together equal XXXX. So that is 1 the credit that cash app gave then took cause my account was negative, then they got the money from XXXX  bank account bank account. So cash app was supposed to split that up. XXXX goes to my bank account and the remaining XXXX goes back to them. Bit that didn't happen they kept both amounts. I've looked at my statements and there is nothing showing the gave me what they took from krogers bank account. Plz help me get my money back, cash app thanks they can just steal ppl money. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sulphur Bank Rancheria Enterprises
State: OH

Complaint narrative:
I want return an installment loan sent to me XX/XX/23 because I wanted only {$920.00} and the finance charge is $ XXXX. APR is 700 % I have sent a request to cancel, as instructed, however the loan company gives only 24 hrs to do so. I want to cancel this loan and all future payment obligations. I want to return funding, principal so that obligations for this loan under this agreement will be rescinded. 
I do not appreciate a predatory loan causing great financial difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-10-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My parents ( at whose address I have not lived for over 5 years ) received 2 letters declining an application for a Target card. The first one said that more information was needed ; the second one said there was a problem with the checking account information provided (! ).

I did not request information or apply for a card from Target ; I suspect fraud.

My father called Target on my behalf ( I live overseas ) and both application attempts have been marked as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Bill originally showed up as Comenity Bank, with no other information as proof of my actual purchase through XXXX XXXX XXXX  XXXX. Once I was able to confirm where the purchase was made, I confirmed with XXXX XXXX  that they could release the funds. XXXX XXXX  has confirmed that they did so & Comenity has not been able to locate the payment. They requested proof of payment in 3 different way, at 3 different times. They do not accept electronic communications so they only way to send anything to them it through the mail. Registered/signature reqt 's mail is not allowed. Every time they have requested one manner of proof, I send it. They then say that they have never received the former requested material and that in any case, that particulare material that they had previously reqtd as proof is not acceptable. I had a 3 way call between myself, XXXX XXXX  & Comenity which resulted in them saying they would send me a form to my email that should finalize the problem. I rec 'd the email, but the link did not work. After 6 months of trying to deal with them, at least a dozen hours on the phone, 3 mailings of requested information and more hang-ups ( when they say that they are transferring me to someone more senior ) from them that I can count. I feel that I have exhausted all options at this point & have even had one of their supposed managers tell me that I might want to get an attorney. They continue to call me multiple times a week & my bill has more than triple, which is of course affecting my credit score. Can this office help with this problem?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Please understand that the details in my credit report are inaccurate. It includes name, addresses, employers and inquiries that are not associated with me. I urgently require the removal of this fraudulent information. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I was out of town for awhile with no service for hunt, i get back to town and find theres a inquiry on my report from a company i have never heard of and have no association with.Inquiry was reported on XX/XX/2023. I didnt see it till XX/XX/2023. I looked into the company and its a loan company. I worry that someone has my information and is trying to get a loan under my name and crash my credit score. I talked to my bank and got fraud alert set up now for my report. They recommended i get ahold of XXXX  XXXX  which i did and they said to get a report from you and they will take care of the inquiry on my report. Company name is NetCredit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- XXXX -- XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XX/XX/2023 -- EQUIFAX -- XXXX - XX/XX/2023 XXXX - XXXX XXXX - XX/XX/20XXXX XXXX - XX/XX/202XXXX XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
I was in forbearance for the past year. I called my Loan Servicer up at the end of XXXX in hopes that they would put what I owed into the back of my mortgage. I was instead offered a modification which raised my interest rate from 4.75 % to 7.25 % and increasing my payment to almost {$500.00} per month. I always thought especially with FHA that there had to be a net tangible benefit to refi of modify a mortgage. I told them that I would take this as a last option because I didn't want to lose my home. I also applied for the HAF ERMA program that would bring me current with the same terms. 

I currently have an appeal in with the Loss Mitigation Dept to reverse the modification. There were time stamped recorded phone calls with the Loss Mitigation representatives that told me that they were going to escalate my request to cancel of the modification and was instructed to email them to stop the modification, which I did. I'm going to attach the letter that I sent to my loan servicer today which has the dates of my calls to them and what I was advised to do. These cancelation requests were made more than 3 weeks ago. I was informed at that time that it was not to late and that they would cancel the modification which shouldn't have gone through in the first place being that it was incomplete.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/2023 XXXX XXXX send {$75.00} using CashApp from his account to my CashApp account which was under XXXX. ( XXXX ID # XXXX ) He confirmed that the funds were moved from his account after completing the transaction. On XX/XX/2023 at XXXXXXXX XXXX PDT I received an email from cash app stating I received payment. 

On XX/XX/2023 I logged into my CashApp account using the email XXXX. However, when I went through the account transaction history, there were no payments made to my account. 

Since then, I reached out to CashApp support several times and each time they say they do not see the transaction even though I provided transaction ID number and all relevant information. They said I'm not logged into the account which the money was sent to, and they keep sending me instructions on how to log in. I followed their instructions several times and logged again using the email XXXX and I get the same results every time. 

I asked XXXX to submit a refund and I received an email that he requested the refund. However, since I cant see the transaction when I log in I cant approve the refund. He reached out to CashApp support and they said I am the only one that can approve the refund. 

Essentially, they took XXXX 's money put wont give me access to it for whatever reason and I dont think that is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JP Morgan Chase Customer Service XXXX XXXX XXXX XXXX, DE XXXX. 
Dear Sir or Madam : I am writing to dispute a late payment attributed to my account ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX replacement ). I am a victim of identity theft, and I did not have control of this account on multiple occasions since XXXX of XXXX. My JP Morgan Chase accounts, personal e-mail addresses and personal devices were compromised during this period. Changes were made to this account including payment information that I did not authorize. 

I am requesting that the late payment be removed from my account and that I receive accurate statements going forward. 

Enclosed are copies of the Identity Theft Affidavit, credit monitoring fraud alerts and a subset of police reports supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs. 

Please investigate this matter and correct this error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
you are in direct violation of the fair credit reporting act XXXX XXXX XXXX Account numbers XXXX ; XXXX ; and XXXX have violated my rights.

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 UAC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish an account without my consent I have not given consent to furnish this account. these accounts do not belong to me. Please remove them immediately

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 2023-10-11 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: EdFinancial Services
State: WA

Complaint narrative:
To whom it XXXX concern, I hope this letter finds you well. I am writing to bring to your immediate attention a pressing matter about my student loan account, which Edfinancial Services manages. I am deeply concerned about the lack of response and the unsettling discrepancy in the payment of {$20000.00} that I have made towards my student loan. 

To provide a clear account of the situation, I wish to highlight the following facts : On XXXX XXXX, a total amount of {$20000.00} was debited from my bank account by Edfinancial Services as a payment towards my student loan. I possess the payment confirmation email sent by your organization as incontrovertible evidence of this transaction. 

However, the disconcerting issue at hand is that this payment, though substantiated by documentary proof, is inexplicably absent from Edfinancial 's records. Moreover, it has come to my attention that Edfinancial Services is unaware of the location of this payment. 

This lack of accountability and transparency in financial transactions is gravely concerning, particularly when it involves government-funded loans designed to support students in pursuing higher education. In a world where financial transactions are conducted with precision and transparency, Edfinancial Services ' failure to acknowledge and properly record a substantial payment is disconcerting and undermines the trust and credibility associated with government-affiliated entities. 

Regrettably, I have discovered that my experience is not an isolated incident. Numerous students have reported facing identical issues with Edfinancial Services, casting a shadow on the reputation of both the United States government and the U.S. Department of Education. 

This is a matter of utmost seriousness, one that requires immediate attention and resolution. I implore you to take this matter with the utmost seriousness it deserves and address it at your earliest convenience. The impact of this issue on students ' financial well-being can not be overstated, and Edfinancial Services must rectify this situation promptly. 

I eagerly anticipate a prompt response and a swift resolution to this matter. Your cooperation and expeditious attention to this issue are greatly appreciated. I can be reached at XXXX if you require further information or clarification. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation