vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX Balance : {$350.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX  XXXX ) XXXX {$1000.00} XXXX  XXXX  ( Original Creditor : 06 XXXX  ) XXXX Balance : {$490.00} XXXX XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$25.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$25.00} XXXX XXXX Balance : {$1000.00} XXXX/XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$12000.00} U S DEPT OF EDXXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX OF EDXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : {$0.00} AD XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX/XXXX  XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLAND FUND ( Original Creditor : 01 XXXX  XXXX XXXX  XXXX XXXX XXXX ) account with the account number XXXX is being reported inaccurately. The Date of the Last activity is at the year XXXX while the payment history is on XXXX already. This show 's that the company is illegally re-aging this account. Also, you can see at the report that I have attached that XXXX XXXX  XXXX has different statements. Please see this matter and address it immediately. I've already sent a letter to bot the XXXX, XXXX and even MID LAND FUND. They have not completed the investigation of this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My credit card information was stolen while traveling in XXXX XXXX, Mexico. I called Barclay to notify them that my card information was stolen from my Barclay XXXX  XXXX Mastercard. I notified them of all the specific charges I disputed. I spent several hours with them on the phone over XXXX separate occasions. They initially informed me that my fraud dispute was denied and that I first had to attempt to dispute the charge with the merchant. However, the business in question is not a merchant but a chip payment processor in XXXX called XXXX, which is similar to XXXX in the Unite States. I contacted XXXX to dispute charges but they ignored me. I called Barclay again and they said fraud department was investigating and they could not provide me any other information. I called once more and they said the same thing. It became clear that I was just being given the run around and nothing was being done by Barclay. It has been several months and I have not received a further response. 

The main charges in question are as follows : XX/XX/21 XXXX  XXXX XXXX XXXX XXXX XX/XX/21 XXXX  XXXX XXXX  XXXX XXXX XX/XX/21 XXXX  XXXX XXXX  XXXX XXXX XX/XX/21 XXXX  XXXX XXXX  XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX XX/XX/21 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 2022-02-22 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX/XXXX  account # XXXX. 
XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXXC account # XXXX 15 U.S.C 1981 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX  XXXX / LoanCare My mortgage includes escrow account for payment of property taxes and property insurance. Ample funds were in the escrow account to pay insurance premium. Servicer had all the correct information but Mortgage servicer did not make premium payment when due. Insurance was canceled for non-payment. I suffered a loss for which I called my insurance company only to discover I did not have coverage due to non-payment of premium. 

Mortgage servicer offered {$880.00} for my loss of {$8100.00}. The loss occured on XX/XX/2021 and I have been communicating with mortgage servicer trying to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
joined as a student at XXXX in 2019 and went there for a XXXX  and XXXX  months, was set on a normal payment plan for my student loans and all was well, i failed one class due to attendance and signed up to retake it now ive been out of XXXX for almost 3 years and i apparently owe XXXX dollars for that one class i had to retake the loan terms and agreements made by the school are sketchy and they will do anything like make students sign loans to make a dollar, my mom had to sign first when i first came to apply for the school but suddenly didnt need to have her there to sign when i had to retake the class mentioned above. also notice how when contacting the school for said documents on the enrollment agreement they only send the initial enrollment agreement paperwork ive provided in the docs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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:
The company, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am in natural person which means my name in ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC1692 ( A ) ( 1 ) The term Bureau means the bureau of consumer financial protection, XXXX, XXXX, invoice, and Experian are assumed to be credit bureaus and there is only one Bureau in that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency Are inconsistent with a declared policy of Congress In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and Every obligation here to four or here after and cured, shall be discharged upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. 15 US C1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged 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 non-monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX. I had an account with Square, which provided a POS for my website XXXX. I resell shoes and apparel, a " customer " orders an item and once they received their tracking decided to report fraud to their financial institution. I filed all of the requested information per Square 's request and they still shut my account down with no explanation aside from stating we do not conduct business with you and we do not fit your business needs. They shut my account down I also had several orders being processed during that time. Square went into my account pulled the funds while over drafting the account. While freezing the funds from my other orders, doing so has caused me a great deal of stress and further hardship. I was informed by the customer that caused this issue in the first place that they had received their order and they would be contacting their bank. I haven't heard anything nor have I received my money from that order. I documented the communication of the correspondence via email. Since then I have communicated to my other customers pertaining to the delay in orders and I'm offering a refund once I receive the return of funds to my company that Square is currently holding. I am being punished for things out of my control. Today I received another complaint pertaining to another fraud alert for an order that square is currently holding the funds for and they want me to fill out that document as well. I'm not really sure what to do now aside from contacting an attorney. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CT

Complaint narrative:
On XX/XX/2020 new buyers were closing on my the house I had just sold and I spent the first night in a hotel because the closing date on my new home purchase XXXX XXXX. I worked with XXXX XXXX from Loan Depot through XXXX XXXX XXXX and XXXX XXXX from Loan Depot for Ct. I was mentally prepared financially to spend money from XX/XX/XXXX to XX/XX/XXXX but I wasn't prepared to stay in a hotel until the XXXX. I was suppose to have a government funded loan but I was decline not knowing the reason and had to have a conventual loan. I ended up paying a total of XXXX for spending 2 months in a hotel. I was only suppose to pay XXXX closing on this new house but then was told that I now had to put money down which was XXXX so that was a total of XXXX that I was not prepared for. Here I have this new house and can't afford to buy new things for it. XXXX XXXX had offered for me to stay at his place during this time which I found to be unprofessional and he also offered his XXXX commission her made on the closing but he wanted to meet for dinner. And still haven't received that money. A young lady an underwriter was terminated because she didn't get the paperwork sent out in a timely manner. The communication from the two of them was horrible I have numerous emails from my real estate agent asking for communication and we had to have several extensions with the sellers agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
In 2011 I was given XXXX bad loans to attend XXXX  university which was overcharging students to attend. The loans have been on forbearance due to high total of loan. I was forced to withdraw due to unable to make payments while in school and have been left with {$17000.00} in student loans. 
I have filed for my loans to be dissolved and handled by the lawsuit by th cfpb and XXXX regarding for profit school. 
They show late payments on my credit report to all three bureaus which has lowered my XXXXredit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE

Complaint narrative:
I purchased a home in XXXX and my mortgage was transferred to Citizens Bank. Since that time, I have spent collectively more than 10 hours on hold with this company trying to get access to my mortgage and account information. First, I could not enroll in online banking and could not get information on my mortgage payments and escrow accounts. In XX/XX/XXXX, after more than three days of calling and more than 6 hours of collective hold time, I was finally able to get an online account established so that I can access certain information. However, I still can not get an answer to why my tax forms have not arrived when they were supposed to be mailed before the end of XXXX and I can not access them electronically. Each time I call, I spend more than an hour on hold before getting through to a person, who tells me they must transfer me. They will then transfer me to another hold, where I either spend an hour more on hold or where the call is dropped, i.e. they hang up on me. I can not file my taxes without this information, and I have had to miss work to make these calls as they are only available for customer service on mortgage issues between XXXX a.m. and XXXX p.m. when I also work. They are an XXXX XXXX bank and I am located in the XXXX so I can not physically visit a bank, and their only other contact options are by phone. There is no email or chat option currently available, and so I am literally without any other options to access these documents other than to call and spend hours on end listening to their hold music.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The company Wellsfargo Dealer services continues to withhold funds over the 120 day threshold they claim they have with North Carolina consumers, which is of my refund of {$290.00} or more... 

XX/XX/2021 the XXXX was canceled in writing. The loan was paid off prior to Wellsfargo receiving the check in my name from the dealership ; the check should have been sent back to the dealership in NorthCarolina, instead Wellsfargo stole the money and kept it without cause and refuse to release the funds, although it's well over 120 days, and XXXXdays past their 120 day rule.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: DC

Complaint narrative:
The company 's name is Affirm and I've attached their link below. 

On XX/XX/XXXX, I received a text message notification that I owe over {$200.00} for an XXXX purchase that was made in XX/XX/XXXX. I immediately called Affirm to report this as fraud because I did not make any purchase from XXXX during that time. Affirm assured me that their XXXX XXXX would handle my fraud claim and they would resolve the matter in XXXX business days. They also assigned a claim number to my case - XXXX. On my first call, they told me that I should not make any payments. I specifically asked if my credit score would be impacted, to which they responded No.

Unfortunately, Affirm did not resolve my fraud claim and they have been sending me repeat text messages and emails every day for the past 2 months. I called them today on XX/XX/XXXX for an update to learn they still haven't resolved my case. I asked once more if my credit would be impacted and this time they said Yes. I asked to speak with a supervisor and was denied that right. I also asked if my case can be expedited and they could not give me a clear answer. 

This is extremely frustrating and I do not want me credit to be impacted by a fraudulent loan that I never requested. 

The support team has been very unhelpful and they appear to be understaffed. I am in need of assistance with resolving this matter urgently. 

https : //www.affirm.com/ Respectfully, XXXX XXXX, XXXX XXXX Attorney at XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My loan was recently sold to Mr. Cooper from XXXX XXXX XXXX, I called and setup the payment on the account manually before the payment was due on Mr. Cooper website and waited for the payment to be taken out. Upon noticing the payment did not process and I called Mr. Cooper mortgage to find out the reason, they slapped me with {$30.00} charge for late payment due to the account not setup correctly. This seems like going ageist the regulation to charge fee for the first 2 months of the payment being setup regardless of who's fault. This seems to go against the Federal law in place to protect people from this nonsense when a new lender buys a loan for two months to sort these issues out. 
Really disappointment with Mr. Cooper Mortgage they started off on wrong foot, this is not about the {$30.00} fee but principle of serving people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion 's web site lacked clarity and lead me to enroll in a credit monitoring membership service I never intended to enroll in. It is was not clear and obvious on the web site that that by freezing my credit report I was agreeing to a free monitoring service followed by a mandatory paid membership to a credit reporting service. Another unfortunate business practice is that I was not sent an email informing me of the specific start date of the paid membership. I only found out about membership fee by accessing my monthly credit card statement on XXXX, XXXX. I immediately cancelled my membership but was charged for the membership until XX/XX/XXXX without a refund. Thus, I am being charged for XXXX  days of monitoring past my cancelling date!

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