vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FISERV FINXACT CORE
State: IA

Complaint narrative:
On XX/XX/XXXX I was issued a new debit card due to fraudulent activity on my account. I paid {$25.00} for the card. XX/XX/XXXX I tried to activate my card and was told my account was closed. The person told me to get a new account with a packet from employer. Told him I didnt work for that employer & wouldnt be able to do that. He then took my credit union info and told me all of my money {$4000.00} would be transferred in 24-48 business days. Called back on XX/XX/XXXX when funds were not received- to go through the same conversation with a lady. She then input my credit union checking info again and again was told 24-48 business hours. Called back XXXX when funds werent deposited. Was told they could only issue me a check via usps to my home address. Was not happy, but said ok. This lady said 7-10 days I will receive my full refundXXXX XXXX I called to check status of my check when I havent received one. Was told there was no check to me, but could process one and it would take 4-5 weeks to receive. I asked to speak to a supervisor was put on hold for XXXX hour and XXXX minutes and hung up on. Tried calling back and the whole customer service was closed. Called XX/XX/XXXX to resolve issues had to call 6 times, waited on hold upwards of XXXX mins, sent to multiple different people, hung up on XXXX times, and have no idea where my money is. I wanted to speak to someone who could actually make sense of this and give me the money Ive been requesting since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Westlake Financial keeps using Robo Calling to contact me. I answer and then they hang up. Now it has restored to getting multiple calls per day. My payments are usually a couple days late due to pay cycle. They call immediately with many calls a day. On XX/XX/XXXX a robo call and actual person called 3 times and 1 time me calling them back to the to stop harassing me. They call from many different numbers.

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 2023-01-12 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: AL

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. Account name : XXXX. XXXX  XXXX XXXX has 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 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 ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: IN

Complaint narrative:
I discovered an account for " XXXX '' that is a personal loan of some type. I have no knowledge of this account. According to XXXX, the account was opened in XX/XX/XXXX for {$11000.00}. It was charged off in XX/XX/XXXX and " closed '' in XX/XX/XXXX. The report does indicate that the first payment was never received. My data was subject to the breach of the XXXX XXXX XXXX XXXX as a federal employee and my file was affected by the Equifax breach.I believe that this account is fraud because I have no knowledge of it. I don't know how to prove a negative. I don't have paperwork on this loan. I just don't know anything about it. Even though it has been " charged off '', the balance increases monthly. It is now up to {$19000.00}. I have disputed this as fraud with all three credit bureaus multiple times to no avail. I have disputed it with the merchant and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: IN

Complaint narrative:
I discovered an account for " XXXX '' that is a personal loan of some type. I have no knowledge of this account. According to Experian, the account was opened in XX/XX/XXXX for {$11000.00}. It was charged off in XX/XX/XXXX and " closed '' in XX/XX/XXXX. The report does indicate that the first payment was never received. My data was subject to the breach of the XXXX XXXX XXXX XXXX as a federal employee and my file was affected by the XXXX breach.I believe that this account is fraud because I have no knowledge of it. I don't know how to prove a negative. I don't have paperwork on this loan. I just don't know anything about it. Even though it has been " charged off '', the balance increases monthly. It is now up to {$19000.00}. I have disputed this as fraud with all three credit bureaus multiple times to no avail. I have disputed it with the merchant and received no response.

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 2023-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I found out recently that a member of Robinhood 's compliance team don't have college educations nor were they an attorney licensed to practice law.

My money when it was so unfortunately managed and stored in Robinhood 's custody, was henceforth looked after by someone who did not have the minimum qualifications that most governmental institutions would require for employment. I also found out that this employee was not licensed to practice law and was therefore in no capacity eligible to interpret law to ensure that the company was at all compliant with its business practices especially when handling my money or their other clients ' money for the time that I was a customer.

I think that people who entrust a company like Robinhood with their money should have people working for them who are qualified in their fields. And no, before Robinhood gives a brochure answer about how their employees are qualified, let me remind them of how many times I needed to speak with a supervisor because the bottom-end employee had no idea what they were doing with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX did not help me resolve the disputed charge of {$4400.00}. The reservation was on XX/XX/XXXX and was canceled on XX/XX/XXXX because I couldn't contact the XXXX host for 24 hours. According to XXXX, if the guest can't reach the host, there will be a 100 % refund ; however, XXXX XXXX  did nothing, although I submitted all the records. I complained, and XXXX refunded {$570.00} a couple of months laterXXXX XXXX XXXX  did not protect consumers ' rights, and the complaint department did not even look at the information I had submitted..

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 2023-01-12 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
( See more details in the included document named Dispute not solved Response to XXXX. ) XXXX did not sent their Dispute Results through the C.F.P.B. no matter I filed the complaint here.

Additional Information and Documents About My Dispute to Help XXXX Resolve It : Dispute Is Not Solved, on XXXX Credit File : XX/XX/XXXX ; Confirmation # XXXX ; account on page 4 o 6, and page 5 of 6 ; with account number ending in XXXX, date opened XX/XX/XXXX, appearing as Paid. 

1. My credit report is about this credit card account, still has to be corrected.

- Santander never reported the 48 monthly payments made of the Certified Payment Agreement as Paid As Agreed, one every month while agreement was active, last 2 payments in just one on XXXX XXXX XXXX. 
Instead : XXXX REPORTED 48 LATE PAYMENTS!!!! 
See XXXX Credit File Included page 4 o 6 and page 5 of 6 - This account was originated and paid, only at XXXX XXXX XXXX XXXX ; NEVER TO A COLLECTION AGENCY. 
just before they left this Island of XXXX XXXX, Paid as Agreed with XXXX XXXX XXXX on XXXX XXXX XXXX, see Merge Result, PDF, all of the 47 monthly payments of {$120.00}, and last payment of {$100.00} in XXXX XXXX XXXX pages 36 - 38 ( pages 3-5 pdf ) - This account was not a loss ; It was Paid in Full to the original Bank, XXXX 2 XXXX XXXX wanted to sell this same account to a Collection Agency, WITHOUT NEVER INFORMING IT TO ME BEFORE I ACCEPTED THIS PAYMENT AGREEMENT, after the 1st monthly payment of the Certified Payment Agreement was paid.. 

No matter this XXXX Credit File of XXXX XXXX, XXXX, for the first time since XXXX XXXX XXXX when account was Paid in Full, shows this account as Paid with a XXXX Balance in any credit report : - it is still reported as a charge off account, when is not true ; this has to be corrected, see XXXX Credit File page 4 - It was Paid in Full directly to the original Bank, XXXX ; this has to be reported with precision - all cash payment receipts are included : see photos included- all payments were made to the original credit card account number ; credit card photo included and receipts- The 2 letters certifying the start of the agreement and the end of it are from XXXX, both included ; there is no collection agency certifying it was paid, but XXXX XXXX from XXXX XXXX, See XXXX XXXX XXXX XXXX, and XXXX Balance Notification, also from XXXX XXXX. 
- The XX/XX/XXXX Payment Receipt appears without the XXXX stamp ; the female officer at this branch, made an additional printed receipt where she put the XXXX stamp, twice, but I was unable to find it on time. 
I believe this payment was made by myself at XXXX main branch in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TX

Complaint narrative:
THIS XXXX  ACCOUNT XXXX IS REPORTING ON MY CREDIT FILE STILL AND IT IS INCORRECT. IT HAS BEEN DELETED FROM ORIGINAL CREDITOR ON XX/XX/2021 AND I NEED THIS INFORMATION UPDATED 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 non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mobile home burned XX/XX/XXXX and my insurance company paid my mortgage off with Ditech on XX/XX/XXXX in the amount of {$41000.00}. Ditech deposited the check on XX/XX/XXXX and I received a statement showing my loan was paid off and I was due a refund from my escrow. Ditech was purchased from Shellpoint Mortgage Servicing and since then they have sent me statements showing my loan was never paid and that I am accruing interest charges. I have contacted them and sent them all of the documents showing that my loan was paid off from my insurance company and that I did not owe the debt that they claim I owe. I still continue to get these statements and the balance continues to grow larger. I have hired XXXX Attorneys to represent me on this matter and they both have reached out to them, sent the documents in to Shellpoint and they still continue to sent me mortgage statements. I do not know what else to do besides file a complaint to try to resolve this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a new checking account with the promise of a {$500.00} bonus if I made direct deposits totaling {$6000.00} or more within 60 days of account opening. I opened the account on XX/XX/2022 and completed over {$6000.00} by XX/XX/2022, fulfilling the requirements for the bonus. The {$500.00} bonus was supposed to be deposited into my account within one statement period after completing the required deposits. I should have received the bonus by XX/XX/2022. It is now more than 60 days after I completed the requirements, and I have not yet received the {$500.00} bonus. I called to ask about this issue, but after spending more than half an hour on hold and being passed to three different operators, I was informed that they had no way of helping me because their " system is down. ''

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
While making a purchase at XXXX XXXX, I was talked into signing up for a card in order to get a discount ( even though I was planning on paying directly ). With many people in line behind me, the signup went fast and the information given kept to minimum. After that I never received information about the card from XXXX. I never received a card, never knew the account number and never knew the card number or that an entity named Fortiva was in charge of it. 

Some time after I tried to pay by calling XXXX several times and even going there in person. Every time I was told they had no account associated to my name or SSN. Several times I tried to comb my email ( junk and inbox ) and the XXXX website, looking for ways to make a payment. All these attempts failed and I couldn't figure out how to pay. I tried combing through the XXXX websites as the XXXX site mentioned their cards were handled by XXXX. All in vain. 

After months of frustration and stress over this, I accidentally found text messages in my " Unknown senders '' folder, it alleged to be from a company named Fortiva, and mentioned a " XXXX '' account. It looked like a scam, but since it said XXXX I eventually decided to look up that link, though concerned it could be a phishing attempt or a virus nest. The webpage had several bugs ( one of my red flags for scammers ), and was very simplistic, asking for payment information but without the usual options. I found it to look very suspicious and was worried to submit payment information through it. I then called XXXX asking if they knew anything about Fortiva, they didn't. Having no other recourse, I kept calling the only trusted party, XXXX, asking about Fortiva. Eventually, an XXXX agent knew of Fortiva and explained they provide services for one of the XXXX card ; she reassured me that Fortiva would have my account information and gave me their phone number. I noticed the number matched the one on the suspicious text messages so I called them. 

I explained the situation, offered to pay in full and requested for late fees to be lifted, given the situation. They initially refused and eventually committed to lift a couple of them ; by then there were several late fees. It seems like a scam to me, they fail to provide proper payment information ( no letters, no emails ), only suspicious text messages and payment page that doesn't instill confidence. I imagine I'm not the only one falling for this and I feel that they need to correct these business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: GA

Complaint narrative:
THIS WILL BE THE SECOND COMPLAINT ABOUT XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-01-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 
See the documents attached.

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 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want this late payment deleted from my account within XXXX XXXX this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
On XX/XX/XXXX after receiving a denial of XXXX< I submitted a reconsideration request ( # XXXX ) for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX counts on my loans from XXXX in which time I was under my first XXXX  payment plan and made payments of {$58.00}. This was submitted to XXXX XXXX XXXX and at their recommendation. For some reason the loans are showing as forbearance, which I did not request. If I had requested a forbearance I would not have been making payments. These payments were made under my qualifying employer at the time, XXXX XXXX XXXX and I have already had all of my employment certified from XXXX XXXX XXXX I currently have 113 qualifying payments on XXXX  and the incorrect count or omission of these payments has caused me to miss out on XXXX  forgiveness. Nothing was ever done with this request and my loans were transferred to Mohela. On XX/XX/XXXX I filed a complaint with the Department of Education requesting information or action to resolve the outstanding issue, Case number # XXXX. I have made multiple calls, uploaded proof of my payments from XXXX for the time period that has been omitted along with additional information showing 25 months of forbearance time which at this point should also have resulted in my loan forgiveness since the new XXXX XXXX  went into effect after XX/XX/XXXX. Each time I call, I get the same story that my case has been assigned an Ombudsman, that it has been escalated and that they will call me back within 48 hours. To date, nothing has happened with this case. I have only received one email from them on XX/XX/XXXX after insisting that a supervisor call me back that said they were turning over the case to Mohela but they never closed the case. When I called Mohela to inquire, they did not know anything about it and have since attempted to just re-process my XXXX application that was already processed by XXXX XXXX back in XX/XX/XXXX. Everything should not take 90-120 days to complete, an email, an application, every little thing. I began this process over a year ago and I have simply fallen through the cracks and I am eligible for forgiveness but I can't get them to do what they are supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
Incorrect credit reporting. XXXX. No response when trying to settle. 

National Credit System Acct XXXX ( collection for XXXX ) Phone # XXXX Balance {$3900.00} Being transferred to a law office that wont return my calls or emails. Cant settle debt that we dont even owe. My signature IS NOT on the form.

Company response to consumer: Closed with explanation