vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 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: NC

Complaint narrative:
Equifax was asked to correct my name on XXXX. As well as allow my credit report to pull to ger a mortgage one a home. Equifax combined one of middle names and my last name together. It stopped me from buying a home. Equifax ask me to send my Drivers License ( A Real I.D was provided and a copy of my Social Security Card which I did via fax to XXXX. I received a notice that Equifax on XXXX had closed the dispute. Their reason was as follows : Please see attached Documentation. 

XXXX has no way to speak to anyone at all. They will also not allow my mortgage company to pull my report. They stated to mortgage lender that I have no credit file at all. The only two options they provide are hang up or self-service. The Self service from does not allow me a resolution at all. 

XXXX however was very easy to work with if you pay for their monthly service of course.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TX

Complaint narrative:
The hard inquiries that I did not furnish or approve are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The hard inquiries that I did not furnish or approve are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am submitting this complaint because of a Hard Inquiry on my Credit Report by Comenity Bank for a XXXX credit card on XX/XX/2022. ( Appears as COMENITYCAPITAL/XXXX  ) XXXX I have NEVER applied for a XXXX credit card, therefore, the hard inquiry by Comenity Bank is totally unauthorized. I reached out to Comenity Bank and they denied the inquiry stating, " they are unable to explain my credit report ''. They advised me to contact XXXX directly. XXXX confirmed the inquiry and advised me to file a complaint and send copies of the complaint to them to have the hard inquiry removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX months after obtaining a mortgage from XXXX  XXXX, XXXX XXXXXXXX after attempting to make my monthly mortgage payment of {$1800.00} XXXX XXXXXXXX refused to accept my payment and stated that they were force placing insurance on the property which increased the mortgage to {$2.00}, XXXX because there was a discrepancy with the insurance company that the property was no longer covered with insurance, they did not allocate sufficient funds in escrow to cover insurance premium. From XXXX I spoke with XXXX XXXXXXXX on numerous occasions from the course of XXXX I paid {$14000.00} in increments to XXXX XXXXXXXX. In XXXX of XXXX I paid {$5000.00} to XXXX XXXXXXXX and as a result of the pandemic I would be able to defer my payments. The beginning of XXXX Mr. Cooper ( formerly known as Nationstar ) informed me via phone that they had taken over my loan from XXXX XXXXXXXX ( with no prior notice from XXXX XXXX ). Mr. Cooper ( fka Nationstar ) then proceeded to inform me that my loan was in forbearance and that I can continue once that period was over, they assured me that once the forbearance period was over that I would resume my payments. XX/XX/XXXX, I reached out to Mr. Cooper ( fka Nationstar ) to resume my mortgage payments at that time they informed my that they would not accept my mortgage payment and that I needed to pay {$18000.00} in arrearage at this time I retained an attorney. All the attorney did as take my retainer and did nothing. I have been in contact with Mr. Cooper ( fka Nationstar ) over 50 times over a period of two years, Mr. Cooper ( fka Nationstar ) obtained my loan without doing their due diligence and the transfer of my loan, I have bank statements reflecting my payments from XX/XX/XXXX - XX/XX/XXXX to XXXX XXXXl that were not reflected nor transferred to Mr. Cooper ( fka Nationstar ) I have sent documentation to Mr. Cooper, emails to their attorneys, the attorneys have yet to return my phone calls to date when I initiated contacted with them two months ago. My initial mortgage was {$220000.00} and as a result of Michigan Mutuals moral turpitude and misrepresentation and breach of trust I am now forced to contact the FTC that I have tried to come to a resolution with Mr. Cooper and they have violated as well. I have spoken to over 20 representatives at Mr. Cooper, five being in the Escalations Department. Mr. Cooper is now in violation of culpable negligence and breach of trust. I have been proactive in this situation and Mr. Cooper ( fka Nationstar ) has not acted in the best interest of the consumer. Mr. Cooper has issued a lispendens on my home that was currently in modification. At this point I have no other recourse but to contact the FTC, it is my hope that with the help with the FTC that this issue can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK
State: CA

Complaint narrative:
I sent an email to XXXX on XX/XX/23 with this message : My account XXXX, i got the 1099 and it says you withheld money from me, why did this happen when i am not subject to withholding? 

They replied with information that had nothing to do with my inquiry so i called XXXX and spoke to a supervisor on XX/XX/23 requesting my original application paperwork that i signed and completed, it was supposed to arrive in 15 min and it did not, i was supposed to respond to this missing email with my fax # in order to also receive my previous 1099s I called on XX/XX/23 and no supervisor was available and i was told i would receive a call within 48 hrs, that did not happen I sent an email on XX/XX/23 with this message : Hello, I spoke to a supervisor on XX/XX/23 requesting my original application paperwork that i signed and completed, it was supposed to arrive in 15 min and it did not I called on XX/XX/23 and no supervisor was available and i was told i would receive a call within 28 hrs, that did not happen I want my paperwork sent to me and i will not call again and waste my time, if i do not get this paperwork within 28 hrs i will assume VIO is refusing to send it and i will be filing a CFPB complaint XXXX XXXX told me to call the XXXX #

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I applied to renew my income driven repayment plan. It was denied. I called advantage on XX/XX/22 to get information to be placed on a more affordable repayment plan. I was told my payment plan would be XXXX $ /month. I agreed to this. I then received a message the next day denying my plan. I called aidvantage on XXXX was supposed to be connected to a representative but was instead sent to a survey to rate my satisfaction with the representative whom I never spoke to and then the call was automatically disconnected by the servicer at the end of the survey after never connecting me to a representative. I called back and was finally connected with a representative. They asked to put me on a hold. My call was then taken to the survey and again disconnected before any resolution was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or 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: CA

Complaint narrative:
Company : Netspend XXXX XXXX Actions taken : Email sent to XXXX Excess difficulty during the online activation process of the prepaid card. This complaint does not include diffuculty due to personal information during activation process such as social sec number, ID verification, etc. This complaint is due to difficulty accessing the Netspend account in order to activate the card with an email address that is no longer resolving. 

I am asking Netspend to assist in the activation of the card via email, as their website does not have the functionality available to assist me. In other words, their technology solution does not provide the functionality required to activate the card without contacting support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I wrote all XXXX Bureaus about reporting inaccurate information XX/XX/24 it's XXXX now nothing has updated, XXXX and Equifax have sent me forms to process my request that stated I needed to send in my ID and SSN card I will mail out today XX/XX/XXXX and I also will attach documents to this complaint hopefully it speeds up the process a bit. XXXX on the other hand said " Upon competition an updated copy of your credit report will be mailed to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US PostXXXX system '' on my last complaint yet I have still received nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: MI

Complaint narrative:
I wrote all XXXX Bureaus about reporting inaccurate information XX/XX/24 it's XXXX now nothing has updated, XXXX and XXXX have sent me forms to process my request that stated I needed to send in my ID and SSN card I will mail out today XX/XX/XXXX and I also will attach documents to this complaint hopefully it speeds up the process a bit. Experian on the other hand said " Upon competition an updated copy of your credit report will be mailed to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system '' on my last complaint yet I have still received nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear XXXX XXXX, In reference to Consumer Financial Protection Bureau Complaint No : XXXX, I hereby respond as follows : I hope this email finds you well. I am writing to inform you that PayPal Risk has completed their unauthorized review under the assumption of stolen identity, and I have received the outcome of the case. I am pleased to inform you that the case has been decided in my favor. 

As I have been proven innocent, I would like to kindly request that my PayPal account be fully restored, including the balance that was taken as a second recovery. I assure you that I will now be using my PayPal account from my true location and will not be using any anonymizing proxy service. I am currently in the jurisdiction of the XXXX XXXX, and as such, I am accessing my PayPal account from the corresponding jurisdiction. I am also open to providing my passport for verification purposes. 

Additionally, I would like to inform you that any previous documents received under my PayPal account ( s ) were unauthorized, and I was not the one who submitted them. For your reference, I have attached my valid driver 's license with this complaint. I have also email you on the email provided but I am yet to receive a response, therefore I am making this complaint. 

I appreciate your prompt attention to this matter and your help in restoring my PayPal account. If you require any further information or documentation from me, please do not hesitate to ask. 

Thank you for your assistance. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: CA

Complaint narrative:
Upon purchasing a shipping label from XXXX, I was asked if I wanted to initiate a XXXX mychoice account to track shipments and purchase future shipping. I made one purchase with a credit card for around {$12.00}. I am the only one who knew about this account from my company, XXXX XXXX XXXX XXXX and nobody else has access to this account. 

Invoices began arriving from XXXX on XX/XX/XXXX for {$150.00}. The shipping charges indicated were for shipments I did not make or authorize and had no connection to me or my location. All shipments were to/from locations in the eastern half of the United States XXXX I am in California. Additionally, I have no idea how I was receiving paper bills when the payment method I had used was a credit card. 

I called and disputed this first bill and was told it was reversed. I updated my online password. I received a second bill on XX/XX/XXXX for {$600.00} which indicated there was another bill sent on XX/XX/XXXX for {$190.00} that I did not receive. When I called to dispute, I was told both of the invoices ( XXXX and XX/XX/XXXX ) would be reversed. I then received an invoice on XXXX  crediting ( {$210.00} ). Based on the way these responses appeared to flow, I figured this was resolved as was explained over the phone. When I received an invoice on XX/XX/XXXX for a {$48.00} late fee, I figured this was in error and that XXXX would catch and resolve this based on confirmations that all invoices had been cancelled. 

On XX/XX/XXXX I received a collection notice from EGS Financial Care , Inc. attempting to collect a debt that I had confirmed with XXXX was not mine, nor was it current. 

I called XXXX today and spoke with XXXX. She cancelled the invoice on XX/XX/XXXX and provided a confirmation number ( XXXX ), stating ALL invoices had been cancelled/reversed and there was a {$0.00} balance on this account. 

Upon research I have noted MANY online forum complaints that state this happens regularly and that there is a problem with XXXX  ' system that allows anyone to charge shipping to other 's account numbers by simply having the account number that appears on the shipping label. This is wide open for fraud and I am being wrongfully and knowingly collected against as a result. 

Please assist me in seeing that this situation is brought to a stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting false wrong information to my credit reporting regarding XXXX XXXX credit card. The company offered me a settlement offer back in XXXX of XXXX. The settlement offer was for XXXX payments in the amount of {$90.00} by XX/XX/XXXX, giving a total of {$270.00}. 

All three payment were made, and the company have negative information on my credit report saying I owe them three different amounts on all three credit reports. By the fair credit reporting act, they must remove this from my credit due to the error of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I set up direct debit to pay off my monthly statement on my Barclays, XXXX XXXX credit card. The XXXX statement was for roughly {$7000.00}. When Barclays debited my bang account, they debited {$9800.00}. They did not apply a return ( which was returned to XXXX XXXX on XX/XX/XXXX for {$3600.00}. When I called them and apply the {$2800.00} to my bank account they said they couldn't and that they would have to mail me a check ( complicated by the fact I had just moved and did not have the correct address on file ). 

I called my XXXX XXXX bank to complain and they backed out the entire transaction ( what Barclays said they couldn't do ). 

The complaint is I set up bill pay to bring the balance to {$0.00} for the month. Barclays in essence overdrew my account {$2800.00} ( pulling {$9800.00} ) for a statement that showed I owed roughly {$7000.00}. Clearly I was not expecting this since no credit card I have ever had has done this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
I was sold almost 25 to 30 solar panels with the advertisement stating that the panels would cover my electric bill. I would get a tax credit when filing my taxes. This has been a nightmare, I have been paying for these panels and The light bill company for a year, That's almost XXXX XXXX dollars a month. Money I do no have, I have called XXXX several times to let them now that these panels are not working. They continue to beat around the bush claiming to be sending some one out to check the panel. No one has come out yet. Our light bill shows the panels are not producing any solar. We have sent them our light bill months ago, no one has came out yet. They will call me for that payment every month, and no one will send some one out to fix this problem. 
I have read how this company has been treating their costumers for years. Everyone has the exact same complaint. And the sad part is looks like the problem can not be resolved

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation