vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: Blackhawk Network Holdings Inc.
State: UT

Complaint narrative:
I had a virtual prepaid mastercard giftcard through XXXX ( card issued by XXXX  ). They restricted what services I could use the card for. Specifically I wanted to use it to pay my water bill ( my water provider accepts credit cards with no extra fee ) and they kept declining the transaction. When I called the card issuer they said I could not use it for that and only for regular stores.

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 — Account information incorrect
Company: Sezzle Inc.
State: GA

Complaint narrative:
As a federally protected consumer, I demand that my credit reports reflect accurately. And it has not with, with Sezzle. I opened the account in XXXX, my payments on time with any issues until I disputed a charge earlier this year. My credit limit at the time was XXXX. Sezzle no longer allowed me to make any purchases with my limits despite having a perfect payment history which in turns violates my rights as a federally protected consumer according to section 623 ( 15 U.S. Code 1681s-2 ( a ) ( 8 ) ) of the Fair Credit Reporting Act. I paid off and close the account which still has not not been accurately reported since XX/XX/XXXX. I demand that my reports with all three bureaus be updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I constantly receive offers from Credit Karma stating I am approved for loans through their vendors/lenders. However, my credit score is always too low and I am always turned down and denied. This affects my credit score. Offers shouldn't continue to be sent if they know I dont actually qualify. It is a huge waste of time, causes my score to decrease, and can also be unsecured as much as I enter my social security number along with other personal information.

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 — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My father passed away. He died with three healthcare aides that needed to be paid, but his Wells Fargo account was frozen before that could be accomplished. 

His account had my brother and I designated as beneficiaries. My brother brought a death certificate to a NY branch and was given his share. I asked the NY banker by telephone if my share could be wired or sent ACH, and he said I had to visit a Branch to get a cashiers check ( Waste of time # 1 ). I went to a branch in XXXX, CO and sat there for over half an hour ( Waste # 2 ), while the banker was on hold trying to remove a hold from the account so my cashiers check could be drafted. In disgust, and to go to a business meeting, I left. He hung up on the XXXX XXXX line, and nothing happened. He then told me I had to be present when he dialed the XXXX XXXX group and wait in his office until they answered because they were going to ask if I were there and if he verified my ID. He verified my ID in the first 30 seconds of that 30 minute wait. 

Firstly, a half hour wait on hold is disgusting, and a clear demonstration of the lack of respect for anyones time. It was a waste of my time and the banker 's. Second, why should one group place a hold on the account, when the death has been verified, just to ask if the beneficiary has been authenticated, and require processing by telephone? Is that really so difficult a question that it should be restricted to a small group that clearly has more demand than supply for time. Why can't the authentication be done and the question answered through the same web site through which they look at the account? All it would take is the banker answering a yes/no question and filling in a document number ( passport, DL, etc ) on a webpage. Third, what is with this policy that I have to be present for the banker to call. These seem like an intentional obstacles to keep me from my money.

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 — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Submitted a request with Aidvantage for a refund on payments ( about XXXX was the request ) made during COVID. The original request was made on XX/XX/22 and I still have not seen the refund or the balance that was requested reflect on my loans through Aidvantage

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: PNC Bank N.A.
State: IN

Complaint narrative:
I was scammed notive the bank on XXXX XXXX on said situation was told i have to file a police report we contacted the bank on XX/XX/XXXX to be told yes we had to file a police report and to come up to the bank close out the account and reopen another account and that the bank would start a investigation, and that I wouldnt be responsible for paying back the dispute because I was scammed. On XX/XX/XXXX I called the bank to find out how the investigation was going to find out nothing had been investigated. So on XX/XX/XXXX we went up to the local bank to have them start a investigation because my whole work check was used to pay back the bank. I have called the fraud department to be told the account has been put on hold nothing can come in and nothing can go out. To find out that another one of my work check was confiscated to pay back the bank. I dont have issues paying the money back and was told I could make payment arrangements but for a month now they have taking my money. I have had no money for a month I have lost my home because I couldnt pay the rent, I am staying with my mom who is on a fixed income. I went to the bank today to find out that they finished the investigation and that the bank was closing my account and mailing a check to me. I did report right away but all they have done is give me the run around and kept my money. All they said is you have a lot of XXXX XXXX  transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have filed a Police Report with the XXXX Police Department and Submitted the Police Report via Certified mail to all 3 bureaus Experian, XXXX, XXXX. Requesting to delete all fraudulent accounts written on the police report and FTC report submitted XX/XX/XXXX. They have not deleted the accounts. 
I respectfully request the help and assistance of the CFPB to assist me in removing these negative fraudulent accounts from my consumer report as per 15.USC 1681 E. Experian XXXX XXXX, XXXX ( VIOLATING MY RIGHT TO PRIVACY BY REPORTING INCORRECT INFORMATION ON MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX Account number XXXX. 
Amount {$220000.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount {$21000.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount {$3700.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$9300.00} Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Amount {$10000.00} Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Amount {$25000.00} Date 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 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, I filled a dispute with Experian credit bureau. They modified my dispute on XX/XX/XXXX. On XX/XX/XXXX they claimed my dispute was complete. 
On XX/XX/XXXX I refilled a dispute asking to see their method of verifying the accounts they claimed to have verified. I asked them to include all written verifications. XX/XX/XXXX they marked my disputes complete and closed them without ever sending any verifications for any of the following accounts. 

XXXX XXXX bank card ... Wrong amount showing written off I paid this in XX/XX/XXXX. I have disputed this account since then XXXX motor shows a 30 day late from XX/XX/XXXX, at which time I was in a XXXX payment arrangement. I have disputed this multiple times since XX/XX/XXXX. 
My XXXX  XXXX account, XXXX secrets account and my XXXX XXXX XXXX account are all also in modified payments due to XXXX. 
Per the American cares act XX/XX/XXXX these accounts can not be reported late during this arrangement. 

XXXX. XXXX XXXX XXXX XXXX .I sent proof a court deemed the credit card charges at fraud, I sent the court papers to Experian during these disputes, the account was still verified as accurate and mine, even after the courts deemed it was NOT mine! 

XXXX. XXXX XXXX XXXX not even mine, after some minor investigation of my own I found out it is a business account! I sent proof and it still remains on my credit. I've disputed this account multiple times. 

XXXX XXXX XXXX serving of $ XXXX is reporting open, it is CLOSED and XXXX XXXX was paid in full in XX/XX/XXXX. 

I have tried disputes and the accounts were not updated, I have asked for proof of their verification method and they closed my case without sending any verification. 
I have included in my disputes the financial hardship I'm enduring due to these inaccurate reportings on behalf of Experian and they fail to report properly. 

I am asking you to please hold Experian liable for their actions.

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 — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Date of transaction : XX/XX/XXXX Name of the bank : CitiBank The amount of the money paid to CitiBank : {$8000.00} What CitiBank committed to provide you : CD Nature of dispute : We have a joint saving account with CitiBank. On XX/XX/XXXX I called CitiBank and talked to customer representative to transfer {$8000.00} from our saving account to CD account. The customer representative immediately transferred {$8000.00} from our saving account to CD account upon my request. I was looking at my account online when I was talking to her on the phone. I immediately saw {$8000.00} deposited in CD account. I immediately printed the copy of transaction. It is with me now. Then, the next day I went to check my account, {$8000.00} disappeared from the CD account. I called the customer service immediately. She said she did not know where the money went but said they will investigate. Since then we have been calling on regular basis ( we called then on XX/XX/XXXX, XXXX and XXXX ). They kept on saying it is under investigation and money will reappear in our saving account. They did not give us any case number or any written communication. We called again on XX/XX/XXXX and XX/XX/XXXX and talked to supervisors who said it may take 5-7 days. No money deposited in our saving account. So we called again on XX/XX/XXXX. This time my husband demanded to talk to higher up and very reluctantly they connected us to their, '' Executive Response Team ''. We talked to guy by name XXXX who said he will help us get our money back. In fact he said he is sending an email to another department to process our request to put the money back into our saving account. He gave us a case number and said he will call us as soon as the money is transferred. So far he hasn't called. We still don't have money deposited in our account. They have been giving us run around and lies. 
Please note that we are senior citizens.

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: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC
State: MO

Complaint narrative:
On XX/XX/2022 Fidelity Information Corp placed a collection on my credit report in the amount of {$300.00}. The collection was placed for rent that was due in XX/XX/2022. The original creditor was XXXX XXXX XXXX. The company placed my account with a collection agency before it was ever 30 days past due. 

Rent at this apartment was due on the 1st of each month. I paid the rent before it was 30 days late. I had a signed payment arrangement with the leasing company with arrangements to pay in full by XXXX. I had all of the rent paid in full on XX/XX/2022. The collection was placed 2 months after the rent was paid in full. I have a XXXX balance with this company and my account should have NEVER been placed in collection. 

I contacted the leasing office about the collection and did not receive a response. I also sent a certified letter to Fidelity Information Corp asking for debt validation. I sent the letter to the address they listed on my credit report. The US postal service entered a note saying they attempted the delivery but the location where the company has listed to send mail is in a locked location that can not be accessed by the US Postal service. I never received any response to my request for debt validation. 

Additionally, Fidelity Information Corp never sent me a debt validation notice as required by Section 1006.34 ( a ) ( 1 ) generally requires a debt collector to provide the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collector 's initial communication. The company placed this debt under collection without giving me an opportunity to respond.

Company public response: Company can't verify or dispute the facts in the complaint
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 — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent you a letter on XX/XX/2022. I never received any response from you in the 30-day period they had to investigate. This is a violation of 15 USC 1681I ( a ) ( XXXX ) ( a ).

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: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I refinanced my mortgage with XXXXXXXX XXXX on XXXX XXXX. Pennymac was paid in full after this process and XXXX XXXX  informed me that I should receive the money back that was in my escrow account with Pennymac. Well the amount in my escrow was {$3600.00} on the XXXX statement but Pennymac only gave me {$660.00} back without any explanation, except some made up escrow analysis which started in XXXX which only shows {$1000.00}. So what happened to the other money on the XXXX statement which is not showing on the analysis?? The first part of discrepancy was on the Escrow Account Disclosure Statement dated XXXX, XXXX 2022. I know each year property tax may increase which will also increase the mortgage payment. My taxes went from {$420.00} to {$670.00} a difference of {$240.00} but Pennymac added on a shortage payment amount of {$290.00} and Escrow Reserve Payment of XXXX which increased my mortgage payment by {$650.00} instead of by {$240.00}. 
They are always messing up the account in order to receive and keep people 's money. They really need to be investigated for these shady practices. Everyone is already suffering from inflation and grocery prices and need their money. They already make millions off the interest!! I need the remaining money from my escrow of {$2900.00}. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
In XX/XX/2021 and XXXX I went to an XXXX XXXX XXXX XXXX XXXX XXXX XXXX was done. At the time of Service I presented My Medical Insurance cards. They looked into which Lab company was covered by My insurance and proceeded with lab work. Now a year later I have these on my credit report. No bills were sent to me no phone call. Now they are in two different collection agencies. 

Place Of Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charges of {$450.00} and {$390.00} I reached out to the Medical office no one has return my call back after they said they would look into it. Today I called one of the XXXX XXXXXXXX and did not get any solution to my concern towards these complaints on My Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: AL

Complaint narrative:
THESE HARD INQUIRIES WERE ATTACHED TO MY CREDIT REPORT WITHOUT MY CONSENT XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Their investigation did not fix an error on your report
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am trying to obtain a loan and my former mortgage company, Ocwen, has late 8 payments on my credit report that is hindering me from obtaining a mortgage loan. I made all successful payments and during the time that I made the late payments I was suffering financial hardship. Please help me get rid of the late payments from my credit report.

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: 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: FL

Complaint narrative:
XX/XX/XXXX, I filled a dispute with XXXX credit bureau. They modified my dispute on XX/XX/XXXX. On XX/XX/XXXX they claimed my dispute was complete. 
On XX/XX/XXXX I refilled a dispute asking to see their method of verifying the accounts they claimed to have verified. I asked them to include all written verifications. XX/XX/XXXX they marked my disputes complete and closed them without ever sending any verifications for any of the following accounts. 

XXXXXXXX XXXX bank card ... Wrong amount showing written off I paid this in XX/XX/XXXX. I have disputed this account since then XXXX XXXX shows a 30 day late from XX/XX/XXXX, at which time I was in a COVID payment arrangement. I have disputed this multiple times since XX/XX/XXXX. 
My XXXX  XXXX account, XXXX XXXX  account and my XXXXXXXX XXXX XXXX  account are all also in modified payments due to COVID. 
Per the American cares act XX/XX/XXXX these accounts can not be reported late during this arrangement. 

XXXX. XXXX XXXX XXXX XXXX .I sent proof a court deemed the credit card charges at fraud, I sent the court papers to XXXX during these disputes, the account was still verified as accurate and mine, even after the courts deemed it was NOT mine! 

XXXX. XXXX XXXX XXXX not even mine, after some minor investigation of my own I found out it is a business account! I sent proof and it still remains on my credit. I've disputed this account multiple times. 

XXXX. XXXX XXXX XXXX of $ XXXX is reporting open, it is CLOSED and XXXX XXXX  was paid in full in XX/XX/XXXX. 

I have tried disputes and the accounts were not updated, I have asked for proof of their verification method and they closed my case without sending any verification. 
I have included in my disputes the financial hardship I'm enduring due to these inaccurate reportings on behalf of XXXX and they fail to report properly. 

I am asking you to please hold XXXX liable for their actions.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company portfolio recovery just keeps calling and calling me even though Ive already sent them information of hardship to them over the years but they keep bothering me about the debt And the numbers are always different where they call out of!!

Company response to consumer: Closed with non-monetary relief