vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CommonBond, Inc.
State: PA

Complaint narrative:
Hello, I received an email entitled " Get up to {$5000.00} back when you refinance by XX/XX/XXXX! ". on Friday XX/XX/XXXX late afternoon from CommonBond. I confirmed via email with their support that this was a legitimate offer and the only requirement is that you are approved for a loan and submit documentation by midnight on XX/XX/2021. During the application process, their system did a hard credit inquiry and automatically pulled in information from my 2 existing private student loan lenders and balances. It required " verification '' of 1 of the 2, which is a loan from XXXX XXXX, serviced by XXXX. Unfortunately XXXX XXXX customer service department is closed on Saturday and Sunday, not opening back up until Monday so I was unable to retrieve the requested information and submit the application in time. This makes me both ineligible for the promotion and I now have a hard inquiry and lower credit score as a result. It seems to be a common practice for financial institutions to be closed over the weekend so it seems like it is deceptive of Common Bond to run a promotion that is only offered during a very small period where it would be difficult or impossible to finish the loan application. Not to mention, I was approved and eligible for the promotion until after my credit was pulled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 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: CA

Complaint narrative:
Company sold loan to a debt agency in XXXX of XXXX, I made payment arrangements with the debt agency XXXX and was making monthly payments. Loan was paid off in XX/XX/XXXX and in XX/XX/XXXX XXXX loans reported the full amount of the loan on my credit report. Contacted the company and they were unwilling to do anything about the error in the 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 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had posted an ad on XXXX trying to sell my table and chairs, someone actually seemed interested and sent a check for XXXX . When I received the check I deposited into my mobile Wells Fargo account. This was on XX/XX/21 The check went through the next day with no issues. The person that issued the check said to pay movers through XXXX XXXX  with the check that Wells Fargo cleared on XX/XX/21 an amount of XXXX dollars. So I did. A couple of days later he texts my phone saying they are going to back out from the deal and wont pick up the table and chairs I had listed on XXXX. And wanted me to XXXX him XXXX $ from my account to his zelle email he provided. Fast forward to today XX/XX/21 Wells Fargo had not only overdrawn my account by XXXX $ but theyve have also decided to return the check today instead of actually holding it when it was deposited on XX/XX/21. Now Im negative in my account have no money to help pay for things my child needs. And I am feeling helpless and cant seem to get justice for someone trying to scam me into giving me a fraudulent check in the first place.

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 2021-03-22 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: NV

Complaint narrative:
XX/XX/2021 I filed a dispute with all 3 bureaus and XXXX which was reporting inaccurate information and removal. All 3 bureaus didn't respond within 30 days. I have had previous disputes on this item with all 3 bureaus. The item in question is a Bankruptcy. 

XXXX is reporting inaccurate data on the bankruptcy. The item was dismissed and never pursued. The Bankruptcy never was active or made it to court. The filing has errors. 

All agency was asked to remove this from the report numerous times. A 3rd party data company furnished this information to the bureaus as there was no contact made from the Courts which shows how inaccurate it is being reported. 

This information that was collected was from a 3rd party and shows several mistakes. 
The action I took with XXXX 1. I ordered my file from XXXX to review 2. I checked it over 3. I found the inaccuracy. Then I, 1. Wrote XXXX and all 3 bureaus 2. Sent a description of the inaccuracy to all four bureaus, 3. Waited 30 days for a response and started filing a complaint when I didn't receive an update or the desired results that should be done. 

There were numerous previous letters to all 3 bureaus asking that this erroneous item be removed. With the amount of research I have made on this item my conclusion is that it must be removed based on No direct update from the courts, a 3rd party reporting the data and the data is incorrect. The item is dismissed and never went active in the Courts either and a Bankruptcy never took place. 

1. The item was never active 2. It was reported with inaccuracy through XXXX - the information didn't belong on the report, and was pointed out through the dispute letters 3. The data was collected from a 3rd party and not the courts. 4. The biggest erroneous complaint is there was never a bankruptcy that took place. 

As a consumer, I swear that this information is correct. I wish to file a complaint on all 3 Bureaus and XXXX for the removal of the item discussed in this grievance.

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 2021-03-22 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: NV

Complaint narrative:
XX/XX/2021 I filed a dispute with all 3 bureaus and XXXX which was reporting inaccurate information and removal. All 3 bureaus didn't respond within 30 days. I have had previous disputes on this item with all 3 bureaus. The item in question is a Bankruptcy. 

XXXX is reporting inaccurate data on the bankruptcy. The item was dismissed and never pursued. The Bankruptcy never was active or made it to court. The filing has errors. 

All agency was asked to remove this from the report numerous times. A 3rd party data company furnished this information to the bureaus as there was no contact made from the Courts which shows how inaccurate it is being reported.

This information that was collected was from a 3rd party and shows several mistakes. 
The action I took with XXXX 1. I ordered my file from XXXX to review 2. I checked it over 3. I found the inaccuracy. Then I, 1. Wrote XXXX and all 3 bureaus 2. Sent a description of the inaccuracy to all four bureaus, 3. Waited 30 days for a response and started filing a complaint when I didn't receive an update or the desired results that should be done.

There were numerous previous letters to all 3 bureaus asking that this erroneous item be removed. With the amount of research I have made on this item my conclusion is that it must be removed based on No direct update from the courts, a 3rd party reporting the data and the data is incorrect. The item is dismissed and never went active in the Courts either and a Bankruptcy never took place.

1. The item was never active 2. It was reported with inaccuracy through XXXX - the information didn't belong on the report, and was pointed out through the dispute letters 3. The data was collected from a 3rd party and not the courts. 4. The biggest erroneous complaint is there was never a bankruptcy that took place. 

As a consumer, I swear that this information is correct. I wish to file a complaint on all 3 Bureaus and XXXX for the removal of the item discussed in this grievance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Was diagnosed with XXXX XXXX and lost my ability to work. Requested a payment deferral to be able to catch up with my loan. Filed for social security XXXX support and waiting on my Stimulus to be able to catch up and bring my account current. i was denied and threatened to lose my vehicle. I'm only asking for some time nothing else

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: FL

Complaint narrative:
I disputed these and the results came back as, " Updated '' when in fact they were not. 
1 ) XXXX XXXX 2 ) XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( 2 accounts ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist

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 2021-03-22 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: CA

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely XXXX  up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and XXXX XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of XXXX  to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: RSVP Lending, LLC dba RSVP Loans
State: CA

Complaint narrative:
Company sold loan to a debt agency in XXXX of XXXX, I made payment arrangements with the debt agency XXXX and was making monthly payments. Loan was paid off in XX/XX/XXXX and in XX/XX/XXXX RSVP loans reported the full amount of the loan on my credit report. Contacted the company and they were unwilling to do anything about the error in the report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX refi@ 2.8 %, payoff @ {$66000.00} + fees = XXXX. 
To close approx XXXX Credit @ XXXX XXXX rec XXXX XXXX Chase offer@2.9 & NO fees for {$68000.00}. Expect 2-4 wks to close. 

XXXXec mortgage commitment letter XXXX, XXXX followed up XXXX toldexpect closing 1-2 wks XXXX through XXXX various calls and info sent XXXX XXXX XXXX  preliminary closing received XXXX closing disclosure in mail. 

XXXX? hold up, rep says just got condo info otherwise completed Various calls to rep. Due to delay XXXX missing back page insurance /walls in coverage from XXXX. Emailed them info myself XXXX rep says no deal due 2 income to debt ratio. 

False and verified with XXXX. 
Also : originally with Chase for {$74000.00}. Never late payment ( @ higher rate and less income than now ), & no other debt. 

Now rate increased to 3.1 due to delay by Chase.? either non-competent or 2.9 % with no fees are a come on. 
Detailed reason requested with no response. They cause me yo loose .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have tried numerous times to get in contact with the company to have my loan updated so that i am fully responsible for paying property taxes on my loan. Considering Myloancare 's history with not paying property taxes and causing their clients to lose their homes i wanted to be proactive. I have found it IMPOSSIBLE to get anyone on the phone, as the offices are either close ( for going on a week straight now ) or send you to an automated phone tree that hangs up on you. I even attempted to call the parent company XXXX to see why the offices where closed and if there was a different contact i could use. The lady called me a liar, saying the office are open and hung up. Considering how many other customers seem to be having the same issue, maybe the government will have a less difficult time. This is insane that they are allowed to continue operating.

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 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have tried contacting all 3 credit bureaus to drop these inquiries. Transunion is no help even after speaking with a customer service representative. I can not get XXXX or XXXX to take them off either.

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 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I fell behind on my mortgage about {$14000.00} as a result of being physically XXXX when I was a victim of attack in my home. I filed bankruptcy in 2019 and got behind on my monthly payments agreed in bankruptcy. I had a few retuned payments and now they are only accepting certified checks. I cant make a payment because I am homebound and even have trouble getting to appointments. I am requesting an accommodation for my physical XXXX to be able to make payments online or by phone. 

Also, I want any assistance available to physically XXXX individuals who are facing foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter regarding inaccurate or unknown items on my credit report. To this day over 35 days later I have not received a response yet. these accounts remain on my credit profile unverified and falsely reporting inaccurate information ultimately tarnishing my reputation. I consider this to be harassment and unjust. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items and supply original creditor information within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: MS

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX/XXXX XXXX ... XXXX XXXX*that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
XXXX at Cash App Support = RE : A Message from Cash App Support [ ref : XXXX : ref ] We have had follow up email correspondence with XXXX at the Cash APP Executive Relations Team. We have provided Cash App with specific transaction information from our Bank. Cash App has sent an email stating that they would be returning the cash to our account. 

- Date and Time : XX/XX/21 at XXXX PST - Amount : {$980.00} - Sent to a card ending in : XXXX Our XXXX XXXX XXXX has verified that as of ( XX/XX/21 ) that hasn't been any ( ETF ) Electronic Funds Transfer from Cash App. ( Please see above ) We had originally spoken with XXXX at Cash App. She was a customer service representative. She opened a new case # XXXX to address this. 

Our Cash App Account, it was our understanding, that the funds would be returned to our Account by end of business today, XX/XX/XXXX. 

The original transaction date was ( XX/XX/21 ) at XXXX XXXX PST. 

The Amount was for {$980.00}. 

The payment ( refund ) would be directed back to her Debit Card ending in XXXX That transaction ID was PAMELAKENS XXXX CAUS = ( California, XXXX XXXX XXXX XXXX Banks transaction Identifier is : XXXX. 

Given that the refund was to be issued ( 5 ) business days from Thursday, XX/XX/XXXX, that would indicate that the 5th business day would have been Thursday, XX/XX/XXXX. 

As previously mentioned, our XXXX XXXX XXXX has verified that as of ( XX/XX/21 ) that hasn't been any ( ETF ) Electronic Funds Transfer from Cash App. 

XXXX XXXX XXXX has reached out directly to Cash App. XXXX XXXX XXXX has requested tracking codes from Cash App of the money transfer from Cash App 's Bank which is XXXX XXXX XXXX XXXX XXXX could then match that information and acquire its own transaction tracking code information by providing that in the form of XXXX documentation back to Cash App. Cash App has not responded to any these requests for information. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... CAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I XXXX XXXX enter into a consumer credit transaction with Capital One Bank on XX/XX/2016. A consumer credit transaction is an transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges a consumer credit transaction. I know the finance charge the sum of all charges I was not expecting a bill with Capital One. Capital sent a bill which is a violation according to 15 USC 1692b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
On XX/XX/XXXX I transferred {$1800.00} USD to a recipient in XXXX using WorldRemit. I immediately received a message that the funds had been paid. After about a week the recipient said they still had not received the money. On XX/XX/XXXX I provided WorldRemit with a bank statement showing that the money had not been received. I have contacted them every day or 2 since then asking for it to be resolved. They keep stating that they are waiting for a reply from the local agent and have marked it as urgent. It has now been 6 weeks and the money has not be delivered and WorldRemit has not replied to my queries or following through on their actions for 5 days.

Company response to consumer: Closed with explanation