vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had opened an XXXX XXXX  and experienced fraud. I went though the process of doing claims and and the identity verifications for the XXXX. I was given direction to submit claims to Bank of America. A year later I still not have received my funds I am owed from XX/XX/XXXX - XX/XX/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 2021-06-25 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: AES/PHEAA
State: MD

Complaint narrative:
I submitted my TEPSLF documentation to FedLoan around XX/XX/XXXX. I have worked for the Federal government ( one employer ) for over 10 years I thought this would be a good chance to see if my payments qualified considering the Covid relief bill allowed the months of forbearance to count as qualifying payments. I received a letter about a week later saying that they received my application and are verifying my employer. 

A month later, I submitted my wife 's paperwork which included two different employer verifications. In two weeks, they reviewed her documentation and found she didn't have the years of service yet to qualify. I found this odd since I haven't received anything other than my initial letter. I called and was told it could take 60 days and to call back in a month. 

I called in XXXX and was told it was still being processed. I called again in XXXX and was told that they are reviewing them as they come in and have a backlog. I said I mailed my wife 's a month after and she was done. I was told well verifying some employers take longer. 

I contacted the Dept of Education and they had FedLoan escalations contact me. They requested updated documentation the time I was requesting that they look at it but then said that they will send a letter when they finish reviewing it. No timeframe or anything. The TEPSLF is a temporary program. It seems like FedLoans is slow-rolling anyone that might actually qualify. 

I can send you my forms but it does have XXXX in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 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: MI

Complaint narrative:
I HAVE BEEN IN CONTACT WITH EQUIFAX ON MULTPLE OCCASIONS ABOUT THIS INCORRECT ACCOUNT STATUS. THEY CONTINUE TO IGNORE MY REQUEST. I HAVE CONTACTED THEM, THE CREDITOR HAS CONTACTED THEM AND THEY REFUSE TO CORRECT MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are five accounts on my credit report that were deleted and recently re-added after being deemed in accurate and uncertain These accounts also were open without my acknowledgment and they made the FCRA requirements deleted by consumer Ive reached out to these credit bureaus XXXX  Trans Union and XXXX  and were unsuccessful Ive also sent a 609 dispute letter in detail and writing via certified mail XX/XX/2021 XXXX ( XXXX  XXXX XXXX XXXX XXXX {$1800.00} XXXX ( XXXX XXXX ) {$660.00} XXXX ( XXXX XXXX XXXX ) {$570.00} XXXX ( XXXX  XXXX ) {$600.00} ( XXXX XXXX XXXX XXXX {$740.00}

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 explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are five accounts on my credit report that were deleted and recently re-added after being deemed in accurate and uncertain These accounts also were open without my acknowledgment and they made the FCRA requirements deleted by consumer Ive reached out to these credit bureaus XXXX  XXXX XXXX and Equifax and were unsuccessful Ive also sent a 609 dispute letter in detail and writing via certified mail XX/XX/2021 XXXX ( XXXX  XXXX XXXX XXXX XXXX {$1800.00} XXXX ( XXXX XXXX ) {$660.00} XXXX ( XXXX XXXX XXXX ) {$570.00} XXXX ( XXXX XXXX  ) {$600.00} ( XXXX XXXX XXXX XXXX {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TX

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I am disputing a collection account showing on my credit report from XXXX XXXX XXXX XXXX XXXX in the amount of {$7000.00}, originally from Santander Consumer USA XXXX, which I do not believe I owe this amount. I have disputed this account directly with XXXX and the credit reporting agencies, and even hired a company to assist me with no result. They were informed of my dispute and that I was requesting a copy of the Explanation of Calculation of Surplus or deficiency as proof of the amount they claimed I owed, since I never got a copy from Santander. XXXX continues to report this account on my credit reports and this information is affecting my credit rating and ability to obtain credit, This situation have also created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
To whom it may concern, the following bill that was provided is incorrect. I do not owe any amount of money to cypress grove apartments. I have paid receipts and bank transaction showing I paid my rent every month from XX/XX/XXXX until XX/XX/XXXX right when the apartment complex was sold to another owner out of XXXX fl. I'm a former employee who use to live and work there and i know all the lies and misinformation that XXXX XXXX and XXXX XXXX do as property management. I work with The XXXX XXXX XXXX as the property management company until their services were no longer needed. I had my lease transferred to another property by The XXXX XXXX group as i stayed on with the company when XXXX grove changed hands. please look at the XXXX transactions and bank history provided in the complaint. XXXX and XXXX grove couldnt send in the full lease agreement as you can see only page 1 & 9. where are the other pages? not only the damage information is incorrect, they are not allowed to charge for resurfacing the bathroom and and counter top as that is part of the normal getting the unit ready to move in. i have photos ( provided from my unit when i moved out. XXXX couldnt provide any proof the unit was damage so they dont charge for this so XXXX and all are trying to get extra money out of nothing since i didnt stay on with the company. I gave them my 60 day notice in XXXX which should be in my file unless they took it out but the XXXX XXXX XXXX XXXX XXXX signed off on all my notices. i have all contact information needed for XXXX can call and speak to whomever. This collection should be removed immediately. 

You can have someone at XXXX services to email me with any information that XXXX/XXXX  couldnt provide. i have provided pictures and transaction from the pay site showing XXXX grove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or around XXXX XXXX, XX/XX/21, I signed up for Auto-Pay with my Best Buy Credit Card, by Citi Bank. The option for Auto-Pay selected was " Minimum Amount Due. '' The terms and conditions did not disclose a preset payment would be automatically withdrawn from my checking account, in the event I made a payment earlier. 

In this scenario, My due date was XX/XX/21, for the Minimum Amount Due of {$29.00}. I processed a successful payment of {$300.00} on XX/XX/21. This payment posted by account, as I checked online, where also, my minimum due online was {$0.00}. I was still drafted {$29.00} on XX/XX/21. Essentially, the auto pay does not look at the minimum due amount. The issue is that when the statement generates their system automatically schedules the minimum due on that date. 

I feel this is very abusive because there was no minimum amount due. I do want to keep the auto pay but only when I have forgotten to make a payment, in by case for a backup plan, so that my credit remains unaffected.

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 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/2021 I used a website called simplex to purchase {$500.00} worth of XXXX. After receiving a text from Wells Fargo asking me to confirm that it was me who attempted to make that transaction, I replied with yes. After authorizing this one transaction of XX/XX/2021, there proceeded to be another 19 charges to my debit card in the following 30 days that amounted to {$4100.00} on this website for purchases that I did not authorize nor did I partake in the making of these purchases in any way, shape, or form. I do not check my bank account every day as I am a student in dental school, so I have a very busy schedule. This is a company that is located somewhere in XXXX, and I attempted to reach out the them multiple times and received nothing but automated responses in return. I use the services of a company called XXXX, which allows you to make a purchase and pay it off incrementally later. After attempting to pay my balance off at XXXX, I received a email from Wells Fargo that my account balance had reached {$0.00}. I went to check my balance and realized that I had received over {$100.00} in overdraft fees, on top of having a negative balance. I then glanced through my charges to see where my money went, disputed all of the charges I did not authorize, and had my dispute promptly denied by Wells Fargo the next day. I did not make these purchases, and I did not present my debit card to the merchant nor did I enter a PIN. My card was ran as Credit and my account was completely drained, on top of this, it was cryptocurrency which was purchased, making it untraceable and impossible for me to see where my funds were sent. After calling Wells Fargo and explaining that these charges were not made by myself and that my card was ran as Credit, they told me they had no other information for me and to have a good day.

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 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
On Thursday morning at XXXX, the above number called my phone. They didn't identify themselves or let me know why they were calling. A male caller said " Is this XXXX XXXX? '' I said yes. He said " The XXXX XXXX who lives at ( he proceeded to say a former address ) ''. I said " Whatever address you have, I'm not verifying anything. '' Hs then rudely said " No, that's not what I asked! I need to verify an address to give my process server. " I then said " Do whatever you have to do. " He STILL did not identify himself, his company, or what the matter was about. He then said " Good luck in court XXXX. '' then hung up. This XXXX needs to be fired. I only knew who it was by entering the number in XXXX - National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/2021 Your company checked my credit report and put a inquiry on my report without my consent i never authorized your company to check my credit report without my knowledge. Please remove the inquiry i did not give you permisson to check my credit report. I dont have a account with your company. I wrote letters to you in XX/XX/2021 asking you to remove the inquiries i have not heard anything from you and wrote letters to XXXX XXXX and XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I have 2 companies XXXX XXXX and XXXX XXXX who have been reporting to my credit report. I have contacted the agencies and they still do not remove the information.

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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have 2 companies XXXX XXXX and XXXX XXXX who have been reporting to my credit report. I have contacted the agencies and they still do not remove the information.

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 2021-06-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've asked Experian repeatedly to please update my current address and delete old ones and they have refused. I have sent them a letter, spoken to their representatives and the problem is still not fixed. They shamelessly refuse to update my information. Both XXXX and XXXX have updated my current address and deleted all old ones.

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 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed charges by XXXX for the canceled flight, that clearly expanse in their policy, that if the flight is canceled due to the airlines operation, the customer is fully eligible for nay fees, taxes, the actual ticket and any other charges. After my flight was cancelled by XXXX, I contacted the airline about refund but they refused. By the way they have hundreds of complains on XXXX regarding this fraud and activity. I contacted my bank to dispute examining the entire situation, yet they refuse to admit, I am right. What they do is support the illegal activity of the airlines< which is refusing to refund customers for cancelled flight which also by the way I stated as a policy with the Department of the transportation. I am tired of Capital one of this fraud and not completing a full and accurate investigation, rather than assumption. Please investigate since the want to revert my conditional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I had made a complaint on Target red card last month and you reached out to them for me them they finally answered me, they asked me to fill out a fraud questionaire and i did and all they did was stop the collection department from calling me, it is still showing as if i own the credit card on my report and that i failed to pay, i didn't take out this credit card and i asked them to remove this from my 3 credit reports and its been 30 days and nothing has been done, it's still showing on my credit reports that its been closed by target and past due and that I am delinquent on the account for over a year, this is ruining my credit score and this is not even my credit card. I did not take this card out. I gave them everything they needed in a 24 hour turn around I want this removed off my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My loan was modified years ago. Under pressure, I signed whatever they asked me to sign. I just realized the terms had the rate shoot up to 4 % and included a significant balloon payment. This was done when I experienced hardship years ago. The loan has changed hands since modifying but I want help examing the predatory lending terms on this modification. XXXX was the company that modifying, but Select Portfolio Servicing is over the loan now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I did a instant transfer through Cashapp to my XXXX XXXX XXXX personal account of {$85.00} on XX/XX/XXXX. The money did not transfer, I was then told through their chat service that it would be 1-3 business days even though state instant and was charged a fee of {$1.00} to transfer to my personal account. They refunded the transfer fee and then state again it could be 1-3 days for my money to deposit. They stated I needed to contact my bank because my card my be turned off and or maybe incoming. I spoke with XXXX and they stated they saw nothing incoming for Cashapp at all. As of XX/XX/XXXX, my money still has not been deposited into my account. I reached out to Cashapp XX/XX/XXXX and they stated that they escalated it to a speciality team and to look out for an email, not a call but an email. I was also told that this could be another 48-72 hours. I asked what exactly what happened? No answer, nothing has been explained nor tried to be explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: EMCC Holdings, LLC
State: AZ

Complaint narrative:
Some 3rd party company names EQUIANT FINANCIAL SVCS AKA XXXX XXXX WORKING FOR XXXX XXXX is listedClosed on the credit bureaus is on my credit. This company has a bad reputation and deals with shady timeshares. They are trying to collect a XXXX  balance collection as this matter has been already resolved with the original scam creditor. EQUIANT FINANCIAL SVCS refuses to get off my report, even though they admit they are NOT a party to the transaction nor is there a contract between myself and them. 
THE SCAM BACKGROUND AGAINST CONSUMERS : I attended the TimeShare presentation in XX/XX/2016 in XXXX XXXX. In short, during the presentation I was swayed into purchasing the timeshare of one of their properties as during the presentation I was told that " it is a great deal that you can't lose money on! ", " you can use it at anytime and you can rent the property out to someone else if you don't want to use it yourself '', " No, you can not step away and think about it because it is a very limited time discount that you will get only if you decide right now '' " We have worldwide properties that you can trade your timeshare for and go anywhere you would like '' After signing the paperwork, there were additional fees that were not disclosed to me when I agreed to the deal. It was also not disclosed that even after signing the paperwork, legally, I had a time window to back out of the deal ( because I would, once I had time to do my research ). 

I attempted to trade my week at another property of theirs several times at no luck ( as it turned out, my week was the lowest priority ). Despite what was said at the presentation, I was not allowed to " rent it to a friend '' either. After XXXX years of paying for the timeshare installment loan at at steep rate ( as it turned out no bank wanted to refinance a timeshare ), taxes and maintenance fees and not being able to use it even once, I contacted a consumer protection agency to help me with this. They worked on my behalf to prove that XXXX practice was unethical. Eventually, XXXX agreed to accept the deed back. 

Aside from the aforementioned credit, I have never been late or missed a payment on my credit card and any loans. My credit score on XXXX and XXXX is XXXX and XXXX, respectively ( the agencies where timeshare loan was not reported ).

Company response to consumer: Closed with explanation