vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XX/XX/2023 I purchased an XXXX XXXX XXXX receiver from XXXX for {$270.00} and paid for the item on my PayPal Credit account and received the item on Friday XX/XX/2023. I setup the receiver and begin the installation process. Almost immediately I encountered a installation software problem which caused the software to go into a software loop. I was able to find a work around this issue. I contacted the seller and informed them of this issue. I was able to continue the installation process which continued over into the weekend and ran into other non-functional operational issues which displayed Coming Soon. On Sunday XX/XX/2023 I decided to return the item for a refund due to the number of non-operational issues. I drafted a note Exhibit 1 regarding the return. I called and left a voicemail for the XXXX support people regarding the return and informed them I had contacted PayPal and filed a dispute. **Regarding this dispute from PayPal , part of the process was to select a category that identified the problem with the item being returned. There was only ONE selection available that came CLOSE to identifying the issues with the item, that was Product Not As Described. Not exactly the truth however, the closest. The item did perform minimally. 
On XX/XX/2023 I received a RMA USPS sticker for the return item and I affixed it and immediately took the package to the Post Office and waited for delivery to the seller USPS receipt and Tracking report attached Exhibit 2. The item was received by the seller at their office on XX/XX/2023 at XXXX. 
The seller convinced me that my decision to go the PayPal dispute route was a mistake, also adding 60-75 days to the process, coupled with the fact that they immediately sent out the RMA sticker for return convinced me to close the PayPal dispute , which I did. The seller got his money from XXXX/PayPal. After that when I contacted PayPal or the seller all I heard was {$15.00} charge deducted, or XXXX or PayPal wont release monies because I had to file a 2nd dispute to get money back. 
Summary : The seller received the item back on XX/XX/2023 in perfect condition. The seller has the {$270.00} I paid for the item. PayPal or XXXX, Im told wont release my money. I have tons of documentation to validate all my claims. If you need anything documentation wise, please let me know. Thank you, 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 monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX I wrote and mailed check # XXXX to XXXX XXXX Treasury for {$7300.00} as payment of the 2nd half real estate tax. I balance my checking account weekly via XXXX and I balance it with the Bank statement monthly. My bank statement does not have digital images of checks, just the date, amount and check number. Everything balanced but on or about XX/XX/XXXX we received notice of our new real estate tax bill along with notice that our previous 2nd half payment was past due, along with a substantial overdue financial penalty. I immediately went online to US Bank, where I was able to access a copy of check # XXXX, which had been changed to an unknown party but left the dollar amount unchanged. I immediately notified the US Bank fraud office and followed their directions to document everything and appeal for reimbursement for the fraudulent check. I provided a copy of my check stub, which showed how check # XXXX was originally written ( the amount was identical to the first half check written XX/XX/XXXX. ) On XX/XX/XXXX I received notice that US Bank had denied reimbursement because I had not notified them within 30 days after the relevant bank statement. Obviously, I had no reasonable way to know of the fraud until I received the overdue notice from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
I disputed the incorrect information on my report twice with no one reaching out to correct information and no updated information on my report for many years. The disputes are disregarded/closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: NC

Complaint narrative:
I have attempted to handle this with Equifax many times. Be advised that this is causing financial damages and emotional duress.. Equifax has failed to provide an appropriate LEGAL and LAWFUL responses & will result in further action. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this debt is not valid. 
Please verify, validate and document that I XXXX XXXX XXXX is LEGALLY obligated to pay this alleged debt. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. {$0.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted several complaints to the Credit bureau and they will not fix the errors and do not reply to my letters that I have sent, I have sent several. It is still reporting inaccurate information and I want this deleted immediately! 

as well as inaccuracies across each credit report. Different dates, different amounts etc. this is by law Illegal! 

There should only be 1 address, 1 name any additional information needs to be deleted

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 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Beginning in XX/XX/2023... .I stopped receiving postal mail and online statements. I believe at the time XXXX as near as I can tell I owed less then {$30.00}. This is on a credit card with Comenity Bank. 
In XXXX of XXXX my XXXX XXXX account sent me a warning that Comenity Bank put a mark on my credit report for 30 days past due. First I tried calling them per thr number on the back of my credit card XXXX different times in XXXX weeks I tried calling them..EVERY TIME after putting in my info. their phone hung up on me. 
I have tried a TOTAL of XXXX times to pay my bill on line and even though I put in MY CREDIT CARD Number it states my account doesn't exist. They have blocked me from all access to my account... but yet according to XXXX XXXX they are charging me {$40.00} a month in late charges. The amount showing on XXXX XXXX I owe is {$120.00} I had to send a check by mail to pay it off. I do not for one minute believe they will either a pay it on time or else acknowledge it is paid. But they have blocked me from my account. On my credit report they are the credit card showing me late in 5 years... but yet no statement of any kind and block my account and my calls I want this straightened out and I want the account I have for the Comenity credit card CLOSED PERMANENTLY Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06 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: NY

Complaint narrative:
I originally submitted all necessary PLSF documents to my previous loan servicer, which were confirmed and then transferred to MOHELA. Prior to the XX/XX/XXXX deadline. After the deadline had passed, MOHELA notified me that they did not have any documentation and I must resubmit all application information. This was completed on or around XX/XX/XXXX, with confirmation of fax receipt received. However, MOHELA then rejected and canceled these documents, noting them as duplicate, despite informing me that the documents were never received. I did not receive this information until I personally checked in XX/XX/XXXX. I called to resolve this issue and MOHELA insisted I use the online portal to resubmit all documents for the third time. This was done. However, on XX/XX/XXXX, my application was again canceled and determined to be a duplicate. I called to have this issue resolved and was informed that my account was actually being worked on, but MOHELA was unable to provide any evidence of this. MOHELA then stated that my application was being worked on since XX/XX/XXXX, but then were unable to explain why I was told that all of my documents were missing. When I requested escalation, I was placed on hold, then the call was abruptly ended.

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 2023-04-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
In XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX finance my home. I applied for the XXXX mortgage assistance in XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX ). I signed the third-party authorization form for XXXX to process my request. XX/XX/XXXX, my application was approved for 12 months of mortgage payments up to {$50.00}, XXXX toward my loan. XXXX begin submitting payments in the amount {$1800.00} on my behalf to XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. 

On XX/XX/XXXX, my mortgage loan was transferred to Specialized Loan Services LLC XXXX ID XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX Fax : XXXX. I have filed previous complaints regarding SLS Mortgage failure to provide XXXX Information to resume my mortgage payments and correcting my credit report at the Credit Bureaus. After 6 months of call and submitting numerous complaints, SLS MORTGAGE finally provided the requested information to XXXX. Unfortunately, I am still experiencing problems with SLS Mortgage. 

The mortgage company is not posting my AHFA payments ( on my behalf ) to my mortgage account. According to XXXX, on XX/XX/XXXX ( attached ), their office processed and submitted my mortgage payment in the amount {$1800.00} via XXXX to SLS Mortgage for my XX/XX/XXXX payment. Although, XXXX recently reported, XX/XX/XXXX, correcting and applying the AHFA payment to my XX/XX/XXXX mortgage payment, I am having the same issue with my XX/XX/XXXX mortgage payment. 

As of this writing, my XXXX XX/XX/XXXX payment has not been applied to my account. I have contacted their office numerous times and requested an investigation to locate and post my XXXX XXXX payment to my account. However, the issue has not been resolved and I am concerned that I will soon start getting numerous phone calls from SLS Mortgage regarding my XX/XX/XXXX payment as in the past. 

According to XXXX records, my XX/XX/XXXX mortgage payment was processed and wired on XX/XX/XXXX. However, SLS Mortgage denies that they have received my XX/XX/XXXX mortgage payment from XXXX and it is not posted to my account. I am contacting your office for help to get the issue resolve so that to bring my loan current. Thank you,

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 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
On XX/XX/2023, somebody got into my checking account, transferred {$5000.00} to my joint tenant brokerage account, and then proceeded to successfully wire {$3500.00} to what I assume was their own bank account. They attempted to wire more money out, but luckily my bank ( Charles Schwab ) blocked these wires from going through. Charles Schwab immediately contacted me in order to get me a new debit card, submit a police report, and fill me in on what was to happen moving forward. They stated that their fraud department would begin an investigation into what happened. They stated that the investigation could take up to 90 days to be completed. 
Well, as of today, it has been 90 days. I have yet to be updated on anything related to the investigation. Since XX/XX/2023, I have contacted Charles Schwab in relation to this investigation on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. These were all calls, but I also contacted them on other dates over online chat on the bank 's website ( of which I have no records of ). In all of these instances, the representative would tell me that they'd contact the fraud department and ask for an update. Each time, I also asked about the likelihood of me being able to receive my money back that was stolen. They would state that I SHOULD get my money back, but that they couldn't GUARANTEE it since it was not their expertise. During these past 90 days, I never received a call or email back from the representatives or fraud department. 
What should I do? I don't see how I could possibly be in the wrong here. Should I take this to court? I do not know. I am just a college student at the XXXX XXXX XXXX XXXX XXXX. This money that was stolen is part of my scholarship/grant/student-loan money. I utilize this for paying for my way through school... I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was trying to debt consolidate and move the amount I owed on the Wells Fargo credit card to my other credit card. I had first try to do it online but then the process was rejected and so I called and they told me I had done it wrong. On XX/XX/XXXX. I had an employee complete the transaction for me so that it was done correctly. Then for me that I should have no problems, and that everything was done correctly. a couple days later on XX/XX/XXXX my card was closed with no explanation. They claim they sent out mail but there is no way they could have sent mail and I had received it within just a couple of days. They said it was because of those two attempts to move the funds It was considered fraud. Again, I was not aware a bank was able to just close that account without calling or making sure if it was fraud. I explained that to them and no one ever got back to me. I kept calling and calling and calling and no one ever had any answers. Since then I have gone through financial struggle and my credit completely plummeted. I want to take legal action, but I was in the middle of having my first child, and I had too much to deal with to keep calling and haggling with them when they knew it was their fault. Below is a list of all the conversations and times that they should have even on their record. They record phone calls, so they have this on there and also. I have been a customer since XXXX and it is extremely heartbreaking All my hard work has gone to waste. 

Called to complete transaction : - XX/XX/XXXX Card Closed - XX/XX/XXXX ( Mailed of info about card ) Case Opened - XX/XX/XXXX Case Closed by bank - Case # : XXXX - XX/XX/XXXX ( XXXX ) XXXX Case was closed because the issues was resolved - Only point of contact or follow up was through mail Follow Up Call - XX/XX/XXXX - new case # created : XXXX - Intake group department # to follow up XXXX - Hours : M-F XXXX central time - Will be contacted within 10 days, stated by employee

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 2023-04-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Account XXXX & XXXX was deleted between XXXX XXXX XXXX, and XX/XX/, and you reinserted them between XXXX XXXX XXXX, and XX/XX/, without notifying me 5 days after this account is in violation.

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 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from 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 non-monetary relief
Consumer complaint received 2023-04-06 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: EQUIFAX, INC.
State: SD

Complaint narrative:
XXXX XXXX  has been reporting Fraudulent information to my credit report since XXXX  without my written promission and without any communication or opt out ever sent to me. 

Fraud Alert. This account does not belong to you.

No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything. 
Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report.

Provide me with bona fide evidence that you have abided by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have loan with DEPT OF EDUCATIONXXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/XXXX  but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX  XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}

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 2023-04-06 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: FL

Complaint narrative:
I have loan with DEPT OF EDUCATIONXXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}

Company response to consumer: Closed with explanation