vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: WV

Complaint narrative:
i bought the prepaid card for online purchases, i have tried to use it multiple times and it keeps getting declined, i tried to take my money back at an atm and it was declined and i was charged a fee for it being declined at the atm. i tried to rectify by calling the customer service number but there is no way to talk to a person to fix the problem, it is only automated replies, i went to their website to get answers and tried to use the chat feature, i got an XXXX chat bot that eventually told me to call the customer service number because it could not connect me to a live agent. and of course the customer service number doesnt allow you to talk to a live agent either, so i sent an email and the response said to call the customer service number. i just want to use my card for online purchases but it wont allow, also when i went through the account verification process on their website, it said there was a problem with the verification and to call the customer service line to fix it, again not any way to fix or talk to a live agent on the phone, this is very frustrating.

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 2024-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I requested a loan of {$3600.00} to pay off an automobile repair at XXXX XXXX in XXXX, Arizona with EasyPay Financial Services with the understanding that I would not be paying any interest on the loan if I paid off the entirety of the loan within 90 days of me opening up the loan. I have done this with XXXX other jewelry companies and have had no issues doing so. On XX/XX/XXXX I paid {$500.00}, and noticed that there was an interest charge of {$35.00} which I didn't think would be an issue because if I paid off the entirety of the loan within 90 days I still wouldn't be paying any interest. On XX/XX/XXXX I paid {$150.00}, and on XX/XX/XXXX I paid {$500.00} and when I checked to see what the balance was that was left, I noticed that the entire payment of {$150.00} went towards the interest only and of the {$500.00} I paid that {$70.00} went towards the interests. That is when I noticed that the loan was compounding interest from the very day that I took out the loan and had no intention of letting me have a 90 day grace period to not have any interest at all. When I looked closer at the fine details of the loan, the only thing mentioned was that there wouldn't be any " Finance '' charges for the first 90 days which in fact is a true statement as I didn't have any " Finance '' charges added to the loan and on XX/XX/XXXX I paid the entire rest of the balance of {$3000.00} so that I could end this ridiculous addition of interest each day and subsequently paid off an additional {$78.00} in interest for a total of over {$300.00} in interest for a loan that I took out only XXXX  month ago. That is {$150.00} + {$35.00} + {$70.00} + {$78.00} = {$320.00}. If I could get any of this back I would great appreciate it or add this to any future class action against EasyPay that will occur in the future like has already happend in Washington D.C. and Iowa.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was trying to apply for something, realized I had damages on my credit report. According to the law 15 U.S.C 1681 law, there should not be any damages on my report. Its a defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have recently taken steps to address inaccuracies on my credit report by instructing Experian, XXXX, and XXXX to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite clear inaccuracies and errors in my credit reporting, all three credit reporting agencies have declared that everything is complete and accurate. This situation is in direct violation of the mandate set forth in 15 U.S.C. 1681i ( 5 ), which requires these agencies to remove or modify accounts that are not reporting correctly. 
Furthermore, I want to highlight the importance of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is evident that these agencies have failed to comply with this crucial provision. 
I possess compelling evidence to support my claims of credit reporting violations, and I am submitting this formal complaint to the Consumer Financial Protection Bureau. My goal is to seek a resolution that ensures the accurate reporting of my credit information, aligning with federal laws and guidelines and holding the credit reporting agencies accountable for their actions.

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 2024-01-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have received an Amex Gift Card from my employer as a holiday gift with {$200.00} loaded on it I am unable to use this gift card anywhere online or in-store with payments being declined. 

I have tried calling the customer service phone number multiple times but the call never completes with endless wait time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the XXXX copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the XXXX copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-05 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX Need To Remove False Information And Remove The Account Altogether

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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
On XX/XX/, I applied for an Apple Card. I was applying for {$25000.00}. I was denied. The reasons for denial are against the law. 12cfr 1002.6 Notifications. Subsection - specific reasons. Says : ( Official Interpretation ) - 9. Combined ECOA-FCRA disclosures. Disclosing that a credit report was obtained and used in the denial of the application, as FCRA requires, does NOT satisfy the ECOA requirement to disclose specific reasons. Disclosing the key factors that adversely affected the consumers credit score does NOT satisfy the ECOA requirement to disclose specific reasons for denying or taking other adverse action on an application or extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting 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 just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: MA

Complaint narrative:
Good morning, we have the worst experience with the mortgage company that was transferred from our previous company ( it was sold to them ), back in XX/XX/, a car crushed into our house while we were there, thankfully we survived but emotionally and XXXX  we are struggling a lot, our home insurance had helped us during this time, we are experience so much delays when it comes about getting the funds release from the mortgage company, we are aware that in order to do that we have to request an inspector as the work/ construction progress, but we believe that Safeguard ( the company who is in charge to set the inspections ) clearly has not provide or process their inspections reports properly to Flagstar and because of that it caused a lot delays to pay our contractor, we had to call them pretty much everyday and we can not get one person to handle our case, everytime is a new person/ representative who clearly does not know how everything has been handled from the beginning, we are in so much distress thanks to Flagstar, we had uploaded all documents required by them, every single document that they needed its in our account and every time they speak to us they request something that they have on file, we are paying our mortgage monthly, on time not delays, on top of that we have to pay extra expenses because our homeinsurance policy already covered us for over a year, we explained this to Flagstar and they have zero symphaty with us, they always say a request might take between 5 to 7 bussiness days and we will advise you a resolution that might take another week like we have time to wait?, our contractor has been very patient with us and also he is in so much frustation because of the delays from flagstar, we have spoken with so many representatives that some of them say something diferrent from the others, we want our house to be fixed ASAP but this bank wont cooperate at all, always giving us a hardtime when we need to pay our contractor, they have zero clue how much we are struggling, we have contacted our adjuster that we hired and also the adjuster from our home insurance to be on the phonecall with them to explain and confirm all doubts and costs from our claim, we did this more than 3 times and they still asking questions and wont understand that in order to get more funds release from our home insurance our contractor has to do the work up to code, this was explained thousand times to Flagstar and nothing has been changed, we need HELP to get this funds asap and to pay our contractor on time otherwise we are going to losing him.

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 2024-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: FL

Complaint narrative:
I completed a borrows defense repayment, school gave false advertisement about how they can help students and I did not receive any help from staff after XXXX I never used my certification and I was sent to internship program that was not hiring ( False advertisement )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See document attached

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/2024 Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Subject : Demand for Removal of Charged-Off Accounts from Credit Report and Credit Profile To Whom It May Concern : I am writing to demand the immediate removal of any and all reporting charged-off accounts from my credit report and credit profile. Upon review of my credit profile and most recent credit report, I have noticed that these charged-off accounts are inaccurately reflected, and I am demanding their suppression and deletion based on specific legal grounds. According to the Internal Revenue Service ( IRS ) guidelines and federal case law, charge-offs are considered taxable income. In accordance with federal taxation statutes and established case law, income is defined as an accession to wealth, clearly delineated under the Sixteenth Amendment of the United States Constitution. Furthermore, case law, such as the landmark Supreme Court case Commissioner v. XXXX XXXX XXXX ( XXXX XXXX XXXX ), solidifies the principle that income encompasses any accession to wealth, regardless of source, and is subject to taxation unless explicitly exempted by law. Given the aforementioned legal precedent and IRS classification of charge-offs as taxable income, it is evident that reporting charged-off accounts as part of one 's credit profile is erroneous and misleading. Charge-offs do not reflect ongoing financial obligations or active credit balances but rather constitute a tax consequence that is separate from the creditworthiness of an individual. I am hereby demanding that the charged-off accounts listed on my credit report be promptly suppressed and removed in adherence to federal law and the established legal understanding that charge-offs should not be part of one 's credit profile due to their classification as taxable income by the IRS. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure the accuracy and fairness of the information contained in consumer credit reports. As such, I expect your agency to take immediate action to rectify this discrepancy and expunge the aforementioned charged-off accounts from my credit report within 30 days of receipt of this letter. Failure to comply with this request within the stipulated timeframe will leave me with no choice but to pursue legal action to enforce my rights under the FCRA and seek remedies for the inaccuracies present in my credit report. I appreciate your prompt attention to this matter and expect a written response confirming the removal of the charged-off accounts from my credit report within the specified timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I am contacting you again after a first complaint and response, because to this day I still have not received the money from my blocked wise account in my bank account. 

On XXXX XXXX, I received an email in response to my complaint, stating that the money in my account would be refunded to my bank account after 60 days. 

More than 60 days have passed and still no email from Wise and no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
XXXX XXXX. Received call from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, trying to deliver papers for me to sign from company named XXXX XXXX  XXXX. 
I asked what papers. He said he didn't know. Gave some file # XXXX. Told him I didn't sign papers don't know abt. 
Did a check on them found out since 2008 same people doing same thing to others. 
Another call XX/XX/XXXX. Same number, XXXX XXXX XXXX. I asked for company name address guy wouldnt give it to me.Told him not to call back. He gets angry say I owe some debt from " XXXX '' which I don't. Gave a date over 10 yrs. Told him not to call back. He gets angry, name calling. I record some part of message. Seems these guys been doing this for years. XXXX. 
I blocked number. I don't owe XXXX. 
Need to request Do Not Contact. Trying to collect debts that may have been written off. 
Request an investigation to stop calls.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Initially, I was offered, and advised, that I had TWO YEARS at XXXX percent interest. My account was opened XXXX XXXX and the XXXXXXXX XXXX  racially PROFILED and REDLINED my credit in XXXX XXXX, maliciously decreasing my credit limit. The supervisors excuse was they didnt believe, they would receive their money. Surly, I made every payment XXXX days earlier ; which contradicts her explanation. Now, XX/XX/XXXX my account has been closed, with XXXX late payments, and months away from the XXXX XXXX interest payment being. Most importantly, this shenanigan was intentional, by this unscrupulous company.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed the copy of my credit reports and I noticed inaccurate public information that is not mine. 

I have listed the inaccurate in XXXX and sent it to the Bureaus. Please see the attached file on this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My mother passed away in XXXX of 2022. She left the home to me after I gave up my home to help care for her in her final days. The company intentionally refused to provide any information regarding a supposed mortgage on the property. When I called to make payments would not tell me what the mo thly mortgage is. When XXXX called to assist with the mortgage they refused to cooperate with them as well. They are now sending people out to harass me, a year and a half later, and actively trying to forclose on the home, without cooperation or accepting payments. I am a XXXX single mother of XXXX who also has a son who has a XXXX XXXX. I do not know why they would knowingly attempt to make us homeless when we were trying to work with them. When I spoke with several people, they can not find any proof that this mortgage even exists. So either they have paperwork issues, or they are an extremely corrupt company who targets people when tragedy strikes. Either way, they are in the wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation