vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: SC

Complaint narrative:
After finding a Insurance company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) to cover our XXXX XXXX XXXX XXXX XXXX. My mortgage co ( Veterans United ) paid out of my escrow account held by Veterans United, {$1900.00} for the XXXX XXXX on XX/XX/2022. We the homeowner assumed that our home is now covered. On or about XX/XX/XXXX we experienced significant damage to living room ceiling from a leaking tub upstairs. After calling XXXX XXXX we were told we have no insurance. After further investigation, we found that on XX/XX/2022 {$1900.00} was returned to my escrow account that is being held by Veterans United. Not XXXX XXXX or Veterans United had the decency to inform the homeowner. We now have substantial damage, the written proposals are from {$7100.00} to {$12000.00}. That is bathroom cost ony, does not include ceiling repair. After researching a new policy we are told until damage is repaired and verified no XXXX will write policy. We feel we are not responsible to pay that kind of money, for XXXX XXXX and Veterans United 's negligence. We are willing to pay the original {$1000.00} deductible, after that they are responsible. Thank you. Looking forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Violation of the FCRA and is in violation of XXXX XXXXXXXX Compliant reporting standard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
WELLSFARGO All Banks XX/XX/2022 XXXX I have contacted Wells Fargo and XXXX I DID NOT AUTHERIZE THIS INQURY and i have no open account to dispute for fraud relating to this inquiry please provide proof or remove inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
The debt amount that XXXX XXXX claimed to collect is false. I made several calls to confirm the amount with my health insurance company, XXXX, ( case refer # XXXX and # XXXX ), and confirmed that XXXX XXXX wrongfully claimed ( double claims submissions and overcharging in-network service ) the services they provided on XX/XX/XXXX. 
The staff at XXXX, XXXX, and myself had attempted to call and to leave the voice mails to XXXX XXXX accounting department multiple times. No one answered to the phone or called back. 
Currently, the amount {$450.00} ( including interest {$34.00} ) that XXXX XXXX claimed, through Transworld System Inc ( a debt collector ), offers no details of the services they provided, nor offers the exact date and time the services were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX All Banks XX/XX/2022 Experian I have contacted XXXX XXXX and Experian I DID NOT AUTHERIZE THIS INQURY and i have no open account to dispute for fraud relating to this inquiry please provide proof or remove inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/ Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian I have not applied for anything from XXXX XXXX XXXX since i opened up a business checking account they have informed me they did not pull my credit so please verify account or remove accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2022, I was alarmed to discover that unauthorized payments from my PayPal account had been made since XX/XX/2022 totaling debits of {$1100.00} from my bank account. 

The unauthorized payments had the vendor title of XXXX XXXX and the individual amounts were deceptively small to avoid detection as fraudulent. I had a total of 46 of these transactions over the eight months, averaging to about {$25.00}, which on the surface may look reasonable for the nature of the transaction ; however, NONE of these transactions were in fact authorized by me, nor were used by any member of my family. 

Upon discovering this, I contacted PayPal and opened two cases ( as their online customer complaint tool is very confusing and limited ) : Case ID XXXX and Case ID XXXX. PayPal summarily closed both cases with a statement that I should take this up with the vendor, even after I made it clear that I NEVER authorized these payments. 

I need the CFPBs assistance to compel Paypal to honor their obligation under Regulation E to reimburse me for these obviously fraudulent charges. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
M and t bank will not respond to my requests for termination of my account. Has promised to send me new checks and a debit card but never delivered

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 2022-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/24 I used a debit card with PayPals Bill Pay service for {$990.00}. PayPal accepted the transaction and charged the debit card, but did not send the payment to my vendor, XXXX XXXX XXXX XXXX. PayPal has a transaction ID which they claim is proof that the transaction was successfully completed. The vendor has not credited my account. I've contacted the vendor several times and they have not received the payment from PayPal. I've used PayPal to make similar payments quite often without issue. I've tried to resolve this issue multiple times with PayPal but all have been unsuccessful. The case I opened with PayPal was # XXXX. PayPal closed the case stating the transaction completed successfully. I appealed it and they closed the case again with the same response. On XX/XX/XXXX I initiated a 3 way call between PayPal and XXXX. The XXXX representative explained that they investigated extensively and did not receive the payment from PayPal. The PayPal representative used this information to re-submit the case with a new reason code. On XX/XX/XXXX, I was notified by PayPal that my case had been denied again based on the merchants response and the information we have to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made many complaints/disputes about XXXX reporting error and unfair information on my credit report. Experian has conduted superficial inquiries regarding this matter. I have asked repeatedly for Experian to conduct a reasonable investigation regarding an inaccurate late XXXX 2021, due to creditor 's lack of notification. Proof of payment coupon/notification was sent to a wrong address. Which resulted to the creditor not properly notifiing me. Supporting/Proof was sent and attached via mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
I applied for PSLF during the first round of forgiveness and was denied. I re-applied at the beginning of the eligibility period in XXXX 2022 and mailed my application in. I checked on the status of my loan several times, but was told it was in-process. At some point in the summer of 2022 ( XXXX maybe ) I received notification that MOHELA was taking over the PSLF process and to contact them. I contacted MOHELA by phone in XXXX 2022 and was told MOHELA was waiting on Department of Ed to transfer my information to them, but was assured that the process would be completed by the end of XX/XX/2022. On XXXX XXXX, 2022, I emailed MOHELA to ask about the status of my application, but did not receive a reply. I called them at some point in XXXX 2022 and was told MOHELA does not have payment counts on file for me and my current loans to not qualify. I explained several times over successive phone calls that I have XXXX  sets of loans, an XXXX set from XXXX years ago and my current XXXX school loans, but each time I called, they told me I was ineligible. I gathered my payment counts as best as I could, made formal requests from old servicers, and uploaded my screenshots of payment counts on XX/XX/ 2022. I wrote a formal complaint letter to MOHELA and uploaded it on XXXX XXXX, 2022 as a complaint in MOHELA 's system. I made the same complaint to the Department of Education. During subsequent phone call with MOHELA, they told me I need to consolidate all of my loans before XX/XX/ 2022, and that my XXXX and XXXX school loans could be rolled into one consolidation loan. I was assured that this would smooth the process and make it faster, but that I also needed to re-submit a PSLF application for some reason. I applied for a XXXX time and submitted my documentation on XX/XX/ 2022. I also applied for consolidation at the same time. After I applied and was approved for consolidation, I found out from XXXXXXXX that the consolidation loan only covers the remaining {$3000.00} balance on my XXXX loans. It did not include the XXXX  school loans. This was the most recent of many misrepresentations made by MOHELA customer service agents. This entire process has been XXXX unconscionable, and insane and I have been dealing with it for nearly a year. I attached a copy of the letter I sent to MOHELA with official payment counts from my old XXXX loan servicers. The remaining {$3000.00} balance was just paid to XXXX a few days ago via the consolidation loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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:
In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Violation of the FCRA and is in violation of requisite XXXX Compliant reporting standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have been an XXXX XXXX card member for 20 years when XXXX was using XXXX  XXXX XXXX as their finical bank for their credit card. I never had a problem and thing always worked just find in receiving my money for Cash Back points earn on purchases, etc. Recently, XXXX change banks ( About a little on a month ago ) they now use Comenity Capital Bank to manage their XXXX XXXX XXXX credit Card without any notice given to the consumers. How I found out was when I went to login my account and I couldnt get in. I had to call to find out why. They gave me a number to call and said, everything including my points earned, outstanding balances, payments made online, etc. were transferred to the new bank called Comenity Capital Bank. On XX/XX/XXXX, I transferred some of my points form Comenity Capital Bank to receive {$190.00} wired to my checking account ( Information they have on file ). After not seeing the money transferred into my checking account. I called them inquiring about the transaction of {$190.00} not showing up in my checking account. But it shows on my credit card statement that the transaction was made, and the points were deducted from my account. Credit. But no money was transferred to checking account. In the first call, they said, it takes a few days to show up in your account. So, I gave it a couple of weeks. I still didnt see it there. I called again. That person said, it takes about 10 days for the wire transfer to get to your bank and with the holiday being on Friday the XXXX it should be there on the XXXX of XXXX. I checked again, and sure enough it wasnt there. So, I decided to wait a few more days to give it some time. I called again today for the third time. This person said, you need to contact your bank and asked them, we wired the payment out on XX/XX/XXXX, and it should have transferred over on the XXXX. I asked him for some information like transfer # or something I could provide the bank. He replied, I dont have that information. Your bank should know. So, I contacted my bank and they looked into this and even sent me an email follow up stating there is no transaction from Comenity Capital Bank to me for the {$190.00}. I called again, and the person on the phone said, i will open a depute and someone will call you in XXXX hours. It was Wednesday the XXXX and XXXX being the next day I waited for the call on Friday the XXXX of XXXX. No phone call. I called the next day Saturday the XXXX and this person who answered the phone said, I don't see any depute on this account. I will do it for you now, I asked how long it would take to resolve this issue. He replied, anywhere from 30 to 90 days. 

Regards XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: NC

Complaint narrative:
During the XXXX XXXX XXXX, I made arrangements with the below accounts to make partial payments. I made partial payments and they still reported the accounts late which according to the XXXX - XXXX XXXX. XXXX ( F ) if accommodations were made between the covered period, the account is to be reported as current. 

XXXXXXXX XXXX XXXX XXXXXXXX Showing XXXX late payments which I actually made partial payments. 
XXXX XXXX Account XXXX. XXXX Showing XXXX late payments which I actually made partial payments. 


Also, XXXX  Account XXXX is reporting a debt that I do not owe. I have never been transported by the XXXX company they are collecting for. I sent them a certified letter asking for verification and received no response. See the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: NC

Complaint narrative:
During the XXXX XXXXXXXX XXXX I made arrangements with the below accounts to make partial payments. I made partial payments and they still reported the accounts late which according to the XXXX - XXXX XXXX. XXXX ( F ) if accommodations were made between the covered period, the account is to be reported as current. 

XXXXXXXX XXXX XXXX XXXXXXXX Showing XXXX late payments which I actually made partial payments. 
XXXX XXXXXXXX XXXX XXXXXXXX. XXXX Showing XXXX late payments which I actually made partial payments. 


AlsoXXXX XXXX Account XXXX is reporting a debt that I do not owe. I have never been transported by the XXXX company they are collecting for. I sent them a certified letter asking for verification and received no response. See the attached letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
During the Covid 19 Pandemic, I made arrangements with the below accounts to make partial payments. I made partial payments and they still reported the accounts late which according to the 623 - 15 U.S.C. 1681s-2 ( F ) if accommodations were made between the covered period, the account is to be reported as current. 

XXXX Account XXXX. XXXX Showing XXXX late payments which I actually made partial payments. 
XXXX XXXX Account XXXX. XXXX Showing XXXX late payments which I actually made partial payments. 


Also, XXXX  Account XXXX is reporting a debt that I do not owe. I have never been transported by the EMS company they are collecting for. I sent them a certified letter asking for verification and received no response. See the attached letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Closed a CD account in preparation of hurricane Ian to have funds available in case of natural disaster as our area was in the path of the hurricane. I was charged early withdrawal fee of around {$1600.00}. Called the company several times asking them to get reimbursed for this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/2022 amount XXXX I was told my account was on hold plenty of times then all of a sudden my money was taking out my account chime told me to dispute it and I did they declined my dispute then they closed my account after several times my account got put on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I RECONIZED UNAUTHURIZED INQURIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX CAPITAL ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX CAPITAL ONE Bank XXXX XXXX XX/XX/2022 XXXX I HAVE SENT LETTERS OUT TO VERIFY ANY OPEN ACCOUNTS AND THERE ARE NONE TO DISPUTE PLEASE REMOVE XXXX OR VERIFY ACCOUNTS

Company response to consumer: Closed with explanation