vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: MI

Complaint narrative:
I did not initiate these inquiries section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please kindly check the FTC REPORT I 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 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I sent a payment electronically of {$75000.00} through my checking account. 
It was received by Caliber Home Loans on XX/XX/22. 
Instead of applying the XXXX mortgage payment of {$1700.00}, they applied 3 months of mortgage payments and the remainder in a " suspense account '' instead of applying to our principle. 
When I called on XX/XX/22 & spoke to XXXX in the resolution dept., she said this was to be corrected by then end of the week. Instead they then applied {$9900.00} and to the next 5 months mortgage and the rest is somewhere in limbo! 
I called again on XX/XX/22 and spoke to XXXX, again this rep said it was to be corrected immediately, one month mortgage payment and {$73000.00} towards principle. 

Again this morning I sign on, and nothing has been corrected. 
Isn't this a misappropriation of funds!?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Around XX/XX/2021, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX from my Gemini account to fraudulent investment firm ( s ). 

My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Gemini to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) # XXXX, XXXX, XXXX, XXXX 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

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 2022-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) # XXXX, XXXX, XXXX, XXXX  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

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 2022-09-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) # XXXX, XXXX, XXXX, XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: GA

Complaint narrative:
I requested a refund from XXXX on XX/XX/22 in the amount of {$32000.00}. 
XXXX has given me the timeline of XXXX business days to receive the actual refund. They also refused to provide me with any email confirmation after asking for it and were very vague about when I would see my balance reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On the XXXX of XXXX, I found fraudulent transactions from XXXX XXXX. I contacted the bank and the contact center filled my claim wrong. On the XXXX I spoke to the fraud department at Wells Fargo and she claimed to fix it and break it down into separate claims the way it supposed to be. She told me about the 60 day liability but she said it was only for XXXX and XXXX XXXX. The XXXX XXXX transaction just happened recently before 60 days. The other transaction were a year ago. I showed proof from XXXX XXXX statements and letter from them saying my account was compromised and het my money back from my bank. I was XXXX  and XXXX  and I tried to tell the bank and they acted like It didn't matter that I showed proof my account was hacked. The lady messed, y claim she filed it wrong and now they putting it on me. I have all the proof to show that I didn't make the transaction.

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 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, Bank of America sent us a notice that they were revoking our credit and closing all my business and my personal bank accounts and credit cards. This is XXXX accounts total that they closed. We didn't receive any notice at all, we found out on Friday the XXXX, that it was closed when all our cards were declined and we got a notice via e-mail. 

Here 's the issue, I had banked up {$6300.00} in rewards. I know that their policy says that upon termination these rewards are null and void, but I don't think it was fair for them to close without any kind of notice. I could have used those to clear out those balances a bit before finding a new bank. 

As a practice, this seems suspect if we were in good standing, hadn't had any major issues recently and have had a relationship with them for about 20 years. I know they owe us nothing, this just seems a bit predatory. 

I contacted them multiple times on the XXXX and today the XXXX as I was overseas and all they could tell me are the dates when things were going to end. There was no leniency, explanation or flexibility given that this would massively impact my business and since I'm currently overseas on business, really forces my hand into another potentially bad situation because I don't have the time to come back and interview another bank appropriately.

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 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Monthly Payments are being paid but is place in my report as late payments.

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 2022-09-12 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern b

y 15 USC 1681 and they have voilated my rights numerous times. I demand the accounts listed below removed. According to 15 USC 1681 : I have rhe right to privacy and I didn't give equifax permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: PA

Complaint narrative:
CERTIFIED MAIL Receipt # XXXX Hello my name is XXXX XXXX XXXX, I tried contacting WETERN FUNDING INC. Serval times trying to obtain my Full contract, My Truth In Lending Disclosure and My Notice Of Deficiency which is my notice of sale of the vehicle. My vehicle was supposed to be sold XX/XX/2022 and was sold XX/XX/2022 information that the vehicle was sold and the date was from an employee of the company. My contact did not have my Truth In Lending Disclosure it was all black which I received from The Dealership XXXX XXXX XXXX the salesperson name XXXX XXXX. I was not explained to about my contract or was I aware of what I was signing.

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 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NJ

Complaint narrative:
Due to President Biden 's recent announcement of XXXX loan forgiveness, and the pause in payments due to to XXXX, I was requesting a refund with EdFinancial services. On XX/XX/XXXX, I requested a refund of payments made during the COVID relief period, and was advised that a refund was submitted though they couldn't email me confirmation of this. 

It has been about 2 weeks and my account hasn't been updated to reflect my loans being reinstated, while also not informing me about the refund. EdFinancial is quoting me 150 days to receive the refund, whereas they make almost no mention as to when the account would reflect the loans being reinstated. Other loan service providers such as XXXX, XXXX, XXXX XXXX, are quoting 6-8 weeks to receive the refund and their accounts are being reflecting with the update within days of the request being submitted. 

I would like my account to reflect the loans being reinstated, while also having a better timeline on when the refund would process to my bank account. If it's 150 days, why can't my account atleast be updated to reflect the loans? The application for forgiveness is open in XXXX and I can't file said application due to there being no update on my account. Transparency needs to be met from EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
THE COMPANY HAS BLOCKED MY BANK ACCOUNT. AND I CAN'T GET MY MONEY OUT, I ALREADY WENT TO THE BANK IN PERSON BUT THEY TELL ME THEY CAN'T HELP ME ALSO CALL THEY ALSO TELL ME THEY CAN'T HELP ME, THEY TELL ME EVERYTHING IS OKAY THEY DON'T UNDERSTAND WHY I HAVE BLOCKED MY 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 2022-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX # XXXX, has violated my rights. 
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

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 2022-09-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a mail to Equifax stating according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

They have failed to answer me on time, and it has been 30 days. 

1. This account is not mine XXXX XXXX  # XXXX Date open : XX/XX/XXXX Please remove it from my credit report immediately. 

2. This account is past the ten years mark/No late payment XXXX XXXX XXXX # XXXX Date open : XX/XX/XXXX Please remove it from my credit report immediately. 

3. This account was never late XXXX XXXX  # XXXX Date open : XX/XX/XXXX Please remove immediately 4. This account is not mine XXXX XXXX XXXX # XXXX Date open : XX/XX/XXXX Please remove it immediately. 

5. This account is not mine XXXX XXXX XXXX # XXXX Date open : XX/XX/XXXX Please remove it immediately. 

6. This account is not mine XXXX # XXXX Date open : XX/XX/XXXX Please remove immediately 7. Victim of natural disaster/ XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Please remove late payments immediately. 

8. Victim of natural disaster/XXXX/In school and deferment XXXX XXXX # XXXX Date Opened XXXX XX/XX/XXXX Please remove late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX, XXXX I received a XXXX dollars invoice XXXX from XXXX XXXX XXXX ( XXXX  ), for XXXX membership renewal. I contacted by phone XXXX XXXX XXXX, Executive Director of XXXX and authorized a one-time charge of XXXX dollars to my XXXX 's XXXX XXXXXXXX XXXX  credit card XXXX XXXX XXXX XXXX, in order to pay that balance in full. XXXX charged XXXX dollars to my credit card in XXXX, XXXX. 
On XX/XX/XXXX and XX/XX/XXXX XXXX made two charges of XXXX dollars each, total of XXXX to my XXXX credit card. I tried to contact XXXX  by phone, fax, e-mail but they never answered me. I even drove to XXXX 's office and it was closed. I contacted the card company to XXXX XXXX XXXX, to place those new charges of XXXX  in dispute. The credit card company, Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mailed me a letter stating that those charges were placed on dispute and that they will mail me a form if they need additional information. They never send me any form. Anyhow, I mailed to their XXXX XXXX XXXX XXXX Florida XXXX and also faxed to their fax XXXX XXXX XXXX all the pertinent documentation proven my dispute. Next, the credit card company send me a letter, making me responsible of those XXXX XXXX dollars charges, as " the cancellation policy for trial offers and product/service enrollment is determined by the merchant, and the merchant is indicating this was not cancelled according to the agreement. '' This statement does not apply to me. I paid my membership in full to XXXX on XX/XX/XXXX. I never signed any agreement. I contacted the credit card company again, disputing this statement from XXXX. I even requested them to send me copies of any documentation from the merchant, but the credit card company refused. 
This is an scam form XXXX and the credit card company is sponsoring this scam. 
XXXX XXXXXXXX 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