vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: William D. Meeker Enterprises, Inc.
State: NJ

Complaint narrative:
i did not authorize these companies to run my credif i would like these inquiries removed. i also placed a fraud alert on my credit report. cic mortgage credit, XXXX XXXX XXXX, XXXX XXXX, cic credit and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America is trying to circumvent there minimum deposit how by making customer refunds unavailable while they have the funds and tells the customer the funds are with the merchant although the funds have been submitted to Bank of America via a XXXX XXXX clearing house who can confirm the receipt of the funds. Happen to me 5 tmes last week

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 monetary relief
Consumer complaint received 2023-11-06 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:
I have a small business account ( XXXX XXXX XXXX ). On XX/XX/XXXX, were made 4 unauthorized ACHs from my account to a company called XXXX XXXX, in value of {$490.00} each. I have no idea what is this company. These transfers were frauds. So, I called Bank of America and proceeded in the manner they instructed me. After that, I only received one email saying they will investigate my case and will return in 60 business days. I think this time is unreasonable and the email is vague. I can't wait for more than 2 months to have my money back that was stolen from my account. I have bills to pay and I understand that I trust my money in the Bank, I pay fees to have security, so my money can't simply vanish from my account, without explanation for so long time. I started making many calls trying to understand if the Bank was really investigating my case and when I would receive my money back. Believe it or not, I called almost 10 different numbers that the Bank provided me, trying to get transparent information. Each time I called the attendant told me to call in another number and so on. Today, XXXX, I called XXXX and the attendant told me that wasn't sure the Bank would refund me even after I waited for this long and unreasonable time to get an answer. I asked her for a written answer about what the Bank was doing to solve the question but she denied it. They say all callings are recorded. So, my proofs are the records of almost 10 callings. The Bank failed to keep my money safe and I would like to have it back as soon as possible, because the delay is jeopardizing my financial life.

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 monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I made a payment on my credit card on XX/XX/ of {$2200.00}. The disclaimer says the following " transactions submitted before XXXXXXXX XXXX ET with today 's date will be processed and credited to your account immediately and can not be edited or cancelled. '' It is now XX/XX/ and they have only released half of my payment in the amount of {$1100.00}. This has caused an immense amount of distress. I have rent and other bills that were due yesterday and I was unable to pay them because Truist placed a hold on my funds. I asked them why and they said it was because they can. The money is no longer in my checking account but it's not on my Truist card either. Something similar happened last month but they released it in about 2 days still delayed but not like this month. The delay last month caused my statement balance to exceed my credit limit and has impacted my credit rating. This is not fair and should be reversed. It is also not fair that I have to now suffer the consequences of late payments and the distress I have been experiencing due to these unfair practices. When I called Truist to ask why they simply told me because they can, which isn't a reason. If they have the money why is it not available for me to spend? That has never happened with any other credit card I have. They also said I could escalate the issue but that would still take 1-2 business days. I am filing this complaint in hopes of a fair recourse and prevention of anyone else having to deal with this level of stress.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon checking my credit file, I am still seeing the items Currently Reporting on my XXXX, XXXX and Experian Credit file and reporting derogatory information. Please note, the letter attached to this complaint file contains instructions for each bureau regarding this issue. Please adhere.

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 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I called paypal and told them I wanted to open up a paypal claim on a recent purchase I had made. I was advised that due to the nature of the case ( seller provided invalid tracking number ) It would be in my best interest to open up a claim with my bank first. I asked multiple times if my paypal account would be affected and I was told NO, Paypal and my bank would work together to find the best solution for me. Turns out since I paid with " pay in 4 '' my account would indeed be affected. The original 4 payments I had made ( 4 payments of XXXX ) were then removed from paypal as my bank was now holding it. Paypal told me the best solution would be to close the bank claims and re open them on paypal so I did exactly that. Canceled the bank claims and opened it on paypal. After a couple of days I won the paypal claim but the claim winnings were taken by paypal to reimburse them for the original 4 payments that my bank had held BUT I had already closed the bank claims meaning the funds were released back to paypal. So they have my original {$1000.00} and now an additional {$1000.00} from the claim winnings. Its been over 90 days since the claims were closed with my bank, it takes 45 days MAX for funds to be released to a merchant when a claim is closed with your bank. I provided withdrawal letters to paypal, did 3 way calls with my bank and paypal, did all I could yet Im still told that you guys dont have the money. I will be proceeding with legal action under the small claims court if Paypal does not release my funds. The merchant was XXXX XXXX, for the amount of {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/ XXXX XXXX  I applied for Bank of America Travel rewards credit card. Bank needed more verification so I called them XX/XX/XXXX. Application reference number is XXXX. They could not verify my Identity over the phone and advised to go to the bank. Right now I can not physically go to the bank. I have XXXX and remote work. I need to verify my ID by email link.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: KS

Complaint narrative:
I contested the validity of the accidents and information that XXXX XXXX  reported. Had they researched the information the information they list would show it was not me. I have not had a louisiana drivers license for almost 10 years. It was suposed to be fixed and i went to buy insurance which is now double the price due to the false information on the lexus nexis report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
This company MCM keeps calling me. Ive asked him to stop. They dont listen to harassing me to the point to where my XXXX is at an all-time high.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT

Complaint narrative:
They are reporting late payment and it is making my score drop. It was supposed to be automatic out of my account. They admitted and apologized but said they cant do nothing about it to contact credit company. I need this off my credit. I have never been late on none of my payments. They made the mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are several bogus accounts on my credit report. I am attaching the letter sent to credit bureau for deletion.

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 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
My mortgage was transferred to Mr. Cooper from XXXX XXXX in XX/XX/XXXX. Since that time they have not paid my taxes due to the XXXX of XXXX. I received my first late notice from the city in early XX/XX/XXXX, and immediately called Mr. Cooper. I submitted all of the information as directed via email to their escrow/tax subcontractor twice. They still have not paid my taxes ( I called the city this morning, XX/XX/XXXXXXXX and confirmed I am now two tax payments behind ). Mr. Cooper is continuing to charge me escrow. I have contacted Mr. Cooper on six separate occasions and they have not resolved the issue. Part of the issue may be because my condo has a new tax ID as of XX/XX/XXXX. However, all the documentation I provided to Mr. Cooper includes the correct tax ID and I have directly told them to check the tax ID in my communications. As of XX/XX/XXXX ( my third attempt contacting Mr. Cooper ) it is impossible to get through the phone tree to speak to a live person so I have had to use the " chat agent '' feature. On XX/XX/XXXX my case was escalated to a supervisor and I was given an email address for her. I immediately emailed her and provided all the documentation I had plus my written notes on the issue and my attempts to correct it. She responded to my initial email but has not responded since. 

Finally, in the course of all this I noticed that the amount I am charged for escrow is nearly {$100.00} more per month than is needed to pay my taxes. I have raised this issue but have not received a response from Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
On XX/XX/XXXX, my current employer completed the digital certification process to verify my ongoing employment at a 501 ( c ) ( 3 ) organization. This certification will increase my PSLXXXX qualifying payment amount from XXXX to XXXX, making me eligible to apply for Public Service Loan Forgiveness.

As the payment pause came to a close and my certification went unprocessed, I repeatedly attempted to contact MOHELA to understand the status of my employment certification, spending many hours on hold waiting to speak with someone. I was finally able to get through to a representative on XX/XX/XXXX and she acknowleged the delay in processing but said she wasn't able to see why my certification was still pending. She advised that she would place my loans in a processing forbearance for the time being, through the end of XXXX, to give MOHELA more time to process my documentation. I received a letter in my MOHELA inbox stating that my forbearance had been approved until XX/XX/XXXX. 

On the same date ( XX/XX/XXXX ), I received a billing statement dated XXXX in my MOHELA inbox, advising that I had a payment of {$580.00} due on XX/XX/XXXX. I assumed that this had been processed before the forbearance went through and disregarded it. 

As the payment due date approached, I called MOHELA almost daily. Because the tool that allows you to receive a call back instead of waiting in the hold queue is not functioning, I spent hours on hold over several days, never reaching a customer service agent. On Friday, XXXX, the payment due date, I waited on hold for XXXX minutes, interrupting an important work call to speak with the MOHELA rep once they finally answered. I asked him about the billing statement and he shared that my forbearance had actually NOT been approved and that I did, indeed, owe a payment due that day. He said that NO forbearance is allowed until the PSLF qualifying payment count shows XXXX, totally contradicting what the prior customer service agent shared. I received no correspondence from MOHELA notifying me that my forbearance had not actually gone through. 

The agent mentioned that there are significant delays in processing the digital employment certification submissions in particular, as the submission process was flawed, resulting in duplicate records being created, which now have to be manually resolved. He could not advise on the timeline for that resolution and told me there is nothing I can do, including submitting the verification in another format, as that would only create yet another duplicate record to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc.
State: OR

Complaint narrative:
I have a payroll card that someone on line got the information and did several unauthorized transactions. They total {$200.00}. I filed the complaint with the bank which is XXXX XXXX. I stayed in constant contact with them and explained to them multiple times that I wasn't able to find contact information on some of the company 's and I sent them in what I did get back from the company 's I was able to contact. Even though I was in communication with them and I sent in all my documents by the dead lines they placed on me sending them the information about the merchants. Well apparently that wasn't good enough and they denied my claim stating I did not send them in the form they sent me in the time frame they gave me, but I did send in the form but I wasn't able to get all the information and I clearly asked them for help and did not get any help on getting in contact with these places 2 places emailed me that I was able to reach out to and both said they couldn't find an account for me or the transaction and I sent XXXX XXXX those emails another company only had a number to call and they left a voice mail stating the same thing they couldn't find an account or the transaction. I didn't know how to attach a voice mail to email so that I was not able to send. But these were on my account and they are unauthorized transactions and I should be refunded for these. They were not pin code transactions they were internet ones and I contacted them as soon as I noticed them. Which was less then 30 days of them happening. The company denied my claim and now just hangs up on me when I call and I have not been able to reach a higher manager or anyone in regards to this matter. I did everything to my best ability and got them the information bas fast as possible and should be refunded for these fraudulent charges. I will also be filing with the ftc about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In accordance with the fair credit reporting act, The Navyist Rewards Credit Card is issued by Barclays Bank Delaware, Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

*************************************************************************************************** In accordance with the fair credit reporting act, The Navyist Rewards Credit Card is issued by Barclays Bank Delaware, Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Barclays Bank Delaware, XXXXXXXX XXXX XXXX XXXXXXXX, DE 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: MD

Complaint narrative:
I remitted payment to this company a year ago by mail. I sent certified mail to the address listed. that mailing correspondence was returned but not to me or the return address on the envelope. those documents bear my restricted signature and legal tender for the credit of this account. if they do not accept for deposit my legal tender or return it back then they are in violation. they are reporting on my credit profile information that I have disputed with them overhear ago, to which they have not marked this account under dispute during that time period which still continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a phone call from XXXX. Listed as " XXXX XXXX '' when I answered the gentleman on the line said he wasnt sure why it came up as " XXXX XXXX '' andvthen stated he was calling from mcm. I asked what mcm was and he simply stated " Midland. '' This is deceptive call tactics in an effort to dupe people into answering their phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief