vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-21 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: Nelnet, Inc.
State: IL

Complaint narrative:
I am in the process of repairing my credit and in going over my credit report with XXXX I noticed that my Nelnet Student Loan that I am currently paying on is also listed on said report XXXX other times with the same exact information as the current accounts only they have different account numbers showing and are reporting as transferred/sold. I spoke with someone in customer service on XX/XX/2021 and he stated it's not showing on their end at all. I'm trying to figure out how if it was transferred/sold that it is still showing with Nelnet-The original company?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 at XXXX pm an unauthorized transaction of {$1200.00} was made through my CashApp account, leaving my account {$0.00}. This was my entire VA Disability Benefits check. I immediately reported this to CashApp through their chatbot customer service in the app. I received a response from CashApp customer service on XX/XX/2021 but wasn't aware of the email until XX/XX/2021 because I was still communicating through the chatbot and was informed that an email had been sent to me. After checking my email, I realized that the questions were the same that I had already answered in the chatbot but I answered them again anyway. From that day XX/XX/2021 up until XX/XX/2021 I've received the very same email from CashApp with the same questions just from a different representative. I have been given the run around and CashApp hasn't taken any action what so ever to investigate my case or recover my money. I feel completely disrespected and ripped off by this financial institution and totally ignored as a consumer that trusted them with handling my money. They should definitely be held accountable for consumers money and replace those funds after looking into the unauthorized transaction. They didn't even look into it. This transaction could have been reversed or stopped. They are very aware of where they sent the funds to. This shouldn't have ever gotten this far. I have been evicted from my apartment and now am facing homelessness. I am a single XXXX veteran with no family or friends that I can depend on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group
State: NM

Complaint narrative:
Never reviewed any written information on the debt in question. I also was never properly served prior to filing a lawsuit. Lastly, I do not believe this debt collector is properly licensed in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
PHH MORTGAGE I HAVE XXXX ISSUES WITH PHH MORTGAGE. IN XXXX XXXX2020, INFORMED PHH THAT I DID NOT HAVE TO PAY COUNTY TAXES ANYMORE BECAUSE I BECAME 100 % XXXX VETERAN. THEY STATED THAT MY MORTGAGE WOULD BE XXXX PER MONTH. THEN IN XXXX 2021, THEY STATED THAT THE MORTGAGE IS XXXX $ PER MONTH. i ASKED THEM HOW DID THEY MAKE THAT MISTAKE. THEY STATED THAT THEY WOULD DO AN INVESTIGATION. I HAVE NOT HEARD ANYTHING FROM THEM SINCE I INSTIGATED EXCEPT FOR LETTERS STATING IT WAS BEING INVESTIGATED. I BELIEVE THEY OWE ME XXXX $ WHEN I LEFT OCWEN, OCWEN MORTGAGE COMPANY, OCWEN, OWED ME A SUBSTANTIAL AMOUNT OF MONEY BECAUSE THEY DID NOT GIVE ME A PARTIAL EXTENSION DUE TO BEING 90 % XXXX VETERAN. THEY WOULD NOT ADDRESS THAT FACT BECAUSE I WAS TRYING TO GET A MODIFICATION. THEY ALSO CHARGED ME MONTHLY TO PAY MY MORTGAGE. 
OCWEN DELAYED MY MODIFICATION NUMEROUS TIMES BY REPEATEDLY FINDING ISSUES WITH THE SAME ISSUE, NOTARY SIGNATURES. I WAS TRANSFERRED TO PHH MORTGAGE IN XXXX 2020. MY MORTGAGE WAS XXXX WHEN I WAS TRANSFERRED TO PHH MORTGAGE MY EQUITY WAS STOLEN. THE MORTGAGE AMOUNT WAS XXXX. I HAD XXXX STOLEN FROM ME. AT THE TIME I DID NOT UNDERSTAND WHAT HAPPENED. I FEEL THAT I HAD A LOT OF MONEY STOLEN FROM ME BECAUSE OCWEN DID NOT ADDRESS MY 80 % XXXX FROM THE VETERANS AFFAIRS AND IT WAS NOT ADDRESSED WHEN IT WAS TRANSFERRED, I WAS TOLD I HAD TO BE 100 % XXXX DUE TO HAVEING A MODIFICATION AND THAT IS A LIE. 
I WANT ALL THE MONEY THAT IS OWED TO ME BECAUSE OF THESE CIRCUMSTANCES AND MY EQUITY RETURNED. I DO NOT BELIEVE THAT I USED XXXX OF EQUITY DURING THE XXXX - XXXX TIMEFRAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have been unable to access myEquifax.com account for over a month. I called to correct the problem, went through all security protocols and the rep was still not able to fix the issue. I told it would he escalated. I received an email weeks later stating the issue was resolved. It was NOT. I replied to the email and received no response since. I an still unable to access my account. I can not review my credit report or score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NEW IMAGITAS, INC
State: ID

Complaint narrative:
XXXX is advertising Boat & RV Loans through a XXXX paid search campaign ( that says Ad ). When you click on it, nothing discloses that its actually an unsecured personal loan application. In fact, youre given every reason to believe youre applying for a secured boat & rv loan until you consent to a soft pull, at which point you see a list of pre approved personal loan options at outrageous rates. This is deceptive and it pushes consumers into a higher, unsecured, rate thats 2-3x the average secured RV rate. I never would have consented to a credit pull for a personal loan. If thats what theyre selling, then it should be advertised as a Boat & RV loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My Apple card balance is incorrect and needs to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : MB # XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had some fraudulent items on my credit report, I submitted this information in a letter to the credit agencies. It has been over 50 days, and I have not heard back from these agencies. Here are the tracking numbers that show they received my mail, but ignored my requests. XXXX XXXX, Transunion XXXX, and XXXX XXXX. These agencies ' neglecting my account has caused me a great deal of distress and to lose various opportunities.

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 2021-11-21 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: TX

Complaint narrative:
I had some fraudulent items on my credit report, I submitted this information in a letter to the credit agencies. It has been over 50 days, and I have not heard back from these agencies. Here are the tracking numbers that show they received my mail, but ignored my requests. XXXX XXXX, XXXX XXXX, and Equifax XXXX. These agencies ' neglecting my account has caused me a great deal of distress and to lose various opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that are still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Auto Insurance states that I did'nt get their best rate because I have only lived at my current address for XXXX  months ( Equifax Report ) not the XXXX months that is required to get the best rate. 
As you can see from the info copied from Equifax 's website I have lived here since XXXX. 
I moved from as of XX/XX/XXXX But some unknown entity reported me living at a different address onXX/XX/XXXX. 
This address is an address I lived atfrom XXXX I spoke with Equifax and was told that they can not correct the information, only remove it. 
As that would remove over XXXX years of my residence history I told do not completely remove the address. 
This is Crucial History and I am appalled that False Information can be added to your Credt Report Permantly and not be able to be corrected, only removed DATE STATUS ADDRESS XXXX XXXX, XXXX CURRENT Dispute this XXXX XXXX, XXXX  FORMER Dispute this XXXX XXXX, XXXX FORMER Dispute this XXXX XXXX, XXXX FORMER Dispute this XXXX XXXX, XXXX FORMER Dispute this XXXX XXXX, XXXX FORMER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I requested a virtual card for {$220.00} ... the card was then supposed to disappear. Affirm Loan Services added another charge of {$220.00} WITHOUT my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account paid in full XX/XX/XXXX, as of today XX/XX/XXXX Experian shows this account negatively on my credit report. 

Their information is outdated and they have violated my rights as a consumer.

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 2021-11-21 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: EQUIFAX, INC.
State: WA

Complaint narrative:
This is not a duplicate the credit agencies needed proof of my identity and did not state that they received them by mail. The documents are include in this complaint so they can not say that they did not receive them XXXX and Equifax XXXX payment amount for child support reported by EQUIFAX and XXXX is incorrect and according to FCRA should be corrected and updated. I have documented proof but EQUIFAX and XXXX is not acknowledging the uploaded documents online. Equifax and XXXX is stating that my monthly scheduled child support payments is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payments and EQUIFAX and XXXX refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving XXXX AND EQUIFAX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at EQUIFAX and XXXX even though they used to show the correct amount on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
Hello : First Data is a terrible, unethical and illegal merchant credit card service because : ( 1 ) they always take the money out of your checking account first before you are allowed to get a warning, or respond to a frivolous fraudulent, illegal thieving charge back from a criminal client ; ( 2 ) you only receive the physical charge back notice weeks after the money has been removed from your account ; ( 3 ) this policy of removing the money even before a warning or ability to respond, in contrast to 99 % of the credit card merchant services I have used in the last XXXX  years of law firm business causes checks to bounce, payroll to bounce, taxes to bounce, rent to bounce, insurance policies to bounce, etc etc - causing untold permanent damage with 100s of other damages to life, liberty and property in violation of untold myriad federal and state laws, as well as the United States Constitution ( First Data, ie, FISERV, being upon information and belief a XXXX XXXX company doesnt care about the US Constitution, evidently ) ; ( 4 ) aids and abets XXXX and XXXX XXXX upon ones small business with the above referenced behavior - which can often ( and usually is ) committed against a targeted CEO or employee of the small business by enemies, exes, competitors, foreign and domestic intelligence agencies, XXXX, XXXX XXXX and any other type of agent saboteur or provocateur. 

Please urgently investigate and punish not only First Data corporation, but also the credit card charge back offender. 

Thank you, 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 2021-11-21 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is not a duplicate the credit agencies needed proof of my identity and did not state that they received them by mail. The documents are include in this complaint so they can not say that they did not receive them Experian and XXXX XXXX payment amount for child support reported by XXXX and Experian is incorrect and according to FCRA should be corrected and updated. I have documented proof but XXXX and Experian is not acknowledging the uploaded documents online. XXXX and Experian is stating that my monthly scheduled child support payments is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payments and XXXX and Experian refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving EXPERIAN AND XXXX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at XXXX and Experian even though they used to show the correct amount 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 2021-11-21 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: TX

Complaint narrative:
I initially made a complaint regarding several items on my Experian credit report that are the result of identity and involve items that are in collection. I attempted to file a complaint previously against Experian and they claimed they did not recognize the person. I am attempting file the disputes related to identity theft.

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 2021-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XXXX/XXXX/2021 I opened a USAA account service has been great and running smoothly until Monday XXXX/XXXX/2021 I was out to breakfast with my family and when I went to pay I was informed by the restaurant that my card was declined. I called to find out what was going on and was informed my account has been locked from all use and that I need to verify my identity I asked why was no contact made with me prior to blocking my account and I was told that I didnt have to be notified as Im subject to verification.. incredibly frustrated I did what was asked and at XXXX MST on XXXX/XXXX/2021 I submitted what was being asked of me and given the XXXX business days turn around notice I submitted my SSN, my valid drivers license and my date of birth to : www.usaa.com/idproof I have been calling everyday since the third business day Thursday XXXX/XXXX/2021 to just be told to wait another XXXX and they will escalate my concern. Its now XXXX/XXXX/2021 and my account is still locked and I have gone XXXX days without any access to funds bills have come due and I have accrued late fees, I dont have gas for my car and I have a special needs child who needs things on a daily basis as well as XXXX other children I have asked for speak to management and my request have not been met.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Fail to notify me with the proper documentation on why my account has been blocked denied access to my funds With Bank of America Prepaid never received a notification due to filter screening I have been denied my rights as a consumer to obtain my funds I never gave authorization for the bank to deny me from obtaining 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 monetary relief
Consumer complaint received 2021-11-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$1600.00}

Company response to consumer: Closed with explanation