vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Transworld is illegally reaging a debt and violating my rights under the FCRA and the FDCPA. Transworld is reporting the original date of delinquency is XX/XX/2020 which is a lie. If the original date of delinquency was XX/XX/2020 they would be able to provide a bill from XXXX verifying that I had insurance with them during 2020. They have not been able to provide any paperwork from XXXX showing this date. Nor can they provide any signed contracts between myself and XXXX. Transworld is lying. They can not provide any signed contract showing I had a account with XXXX in 2020 nor can they prove that the date of delinquency is XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX is illegally reaging a debt and violating my rights under the FCRA and the FDCPA. XXXX is reporting the original date of delinquency is XX/XX/2020 which is a lie. If the original date of delinquency was XX/XX/2020 they would be able to provide a bill from XXXX verifying that I had insurance with them during 2020. They have not been able to provide any paperwork from XXXX showing this date. Nor can they provide any signed contracts between myself and XXXX. XXXX is lying. They can not provide any signed contract showing I had a account with XXXX in 2020 nor can they prove that the date of delinquency is XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
I closed on a property in XXXX and financed it with XXXX XXXX, which uses The Money Source for handling the mortgage payments. 
My first payment was due on XX/XX/2020, and I decided to pay in advance ( XX/XX/2020 ) like I typically do. On XX/XX/2020 I received a letter informing that my mortgage was being transferred to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX and that any payments made would be transferred to them within 60 days. 
I have been in contact with The Money Source representatives and supervisors since mid XXXX and I still can not get an answer about where my funds are and when they will be transferred. 
XXXX XXXX, the new service provider, keeps calling me every single day asking about the XXXX payment. With my 60 day protection expiring this weekend, I'm afraid I will start getting late fees and my credit score will be impacted. 
The Money Source is not getting back to me with a solid answer and it seems like no one there knows what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Block, Inc.
State: GA

Complaint narrative:
My cash app account was hacked back in XXXX. I was bit able to get assistance with that service request I submitted. I worked with my bank to move forward and created a new cash app profile. By this time, my only concern was that I purchased stocks via my old cash app profile. I emailed numerous times to get the stocks transferred to the new profile. Someone finally reached out last week to resolve that issue. Well they are providing me with instructions to transfer the stocks myself and the instructions are not working. I have reached out to the XXXX of XXXX, the VP of cash app and to no avail no resolution. Its not millions of dollars but I am a working class citizen and this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
I called our mortgage company on XX/XX/2020 to ask about a refinance to a lower rate. I supplied all requested paperwork to the representative immediately upon request and was instantly approved. Since then I have been repeatedly asked to submit identical paperwork ( which I have done immediately ) and am still getting the run around about our closing date. I have dealt with several different people and have had a hard time getting a straight answer about what the hold up is. I believe they are stalling on the closing so that we have to continue to pay the higher interest rate. We have a $ XXXX yearly income and good credit. Additionally we are already a customer of Freedom Mortgage and are in good standing so there is no reason why we should be hassled this much about a refinance that was preapproved in a matter of hours. The individual who preapproved our refinance even stated that we are preferred borrowers or some similar term. If this is how preferred borrowers are treated I would hate to see how everyone else it treated.

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 2021-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Sir or Madam, I trust you and your team are safe and sound. In the last 180 days, I have received calls from a Student Laon Forgiveness Program. They keep saying I need to complete my application. I have no idea what they are talking about to date. I asked Great Lakes about it and they informed me it is not from them. The last number is XXXX and the poc number is XXXX. 
Please confirm that I am not missing a great Federal Program or that is a scam. Thank you in advance for your assistance with this matter. 

V/r XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten 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 explanation
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Card was charged for something without my authority, merchant sent a copy of their invoice ( which is CLEARLY not mine ) and yet the credit card company reversed the charges.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Looking through my credit reports, I did not find a Bank of America card account there. Account number XXXX, opening date XX/XX/2019. Please add my account and current information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have Citi mastercard ending in XXXX. There was one purchase of XXXX online exam for my son. They were suppose to send us book, practice tests and let him appear in the real exams. 
I enrolled my kid XXXX XXXX as XXXX ( Non School competitor ) as that's what I was told by XXXX and his school ( as his school is not participating ). 
Only after their response and confirmation - I paid {$60.00} for that. 
Later XXXX XXXX XXXX XXXX XXXX stated that my son can not participate as school is cancelling his registration. 
I immediately looped in his School - XXXX XXXX XXXX XXXX 
The School denied that they are objecting to anything and they encourage the kids to participate. 
But even after that XXXX XXXX cancelled my son 's registration. Due to which my son can not participate in the contest. 
I paid {$60.00} for the contest and if his registration is cancelled by XXXX on the wrong reasons - they should refund back the money - {$60.00} but they are not willing to do so. 
Complained the matter to the Virginia attorney General 's office also. The Virginia attorney General 's office acknowledged it - they are awaiting the merchant 's response. 

Dispute # XXXX Even when XXXX agreed that i can get the refund - Citi is not doing anything regarding this dispute. Citi can't even forward the right documents to us ( response from XXXX ). Attorney General of Virginia also intervened and then finally XXXX agreed for the refund as my son didn't got any preparation material and very less time for the final exam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
Starting From XX/XX/2020, this company named XXXX has been reporting to my credit with charge offs. I was a victim of identity theft around that same time. I filled the identity theft form, completed a police report, and submitted my information to all credit bureaus. The only credit bureau that continues to report this false account to my credit is XXXX. I have contacted this supposed company, I can never have access to the fraud department. I have sent letters showing the names do not match. It is not my account, they have sent payment statements of up to {$1000.00} transactions, which are places I have never been. I have called and sent two dispute letters to XXXX. I sent all documents that proves clearly this is not my account. But this company refuses to correct this misinformation, and the only credit bureau that is not corresponding is XXXX. At this point, I am being harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX Balance Owed : {$12000.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance Owed : {$240.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$170.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance Owed : {$120.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.

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 2021-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
XX/XX/XXXX- Made a complaint with CFPB in regards to having complication getting loan cleared. 

XX/XX/XXXX-Received feedback from Ally through CFPB informing me that our account reflected " Paid in Full ''. 

XX/XX/XXXX- Checked Ally app, it reflected that all balances were XXXX and that we owe nothing. We were waiting on an official pay off letter for our records, this payoff letter was requested at the initial complaint and at the time CFPB requested our feedback from the complaint. 

XX/XX/XXXX- Received a notification from Ally that {$70.00} is owed. I have tried to call XXXX the Executive Customer Relations of Ally Bank and have not received a returned call. Based on my experience with Ally it is very complicated to get Ally staff to return phone calls. 

**This account apparently is still open and possibly reflecting on our credit reports. How is it that Ally informed us from the complain that the account has been paid in full but now are asking for more money? We still do not have an official pay off letter on letter head from Ally showing that our account is paid off and that this account is closed.

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 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
On XX/XX/2020 I received a call from someone clamming to be from XXXX and had made a mistake on a refund that they where doing and instead of giving {$130.00} they gave {$1100.00} and that they needed to go into my computer to go to my bank account to withdraw the money for XXXX. In order to do the refund they had to open a XXXX account and transfer {$1000.00} to XXXX which they did. I contacted my bank, the withdrawal was pending and they would not cancel it they would however open a dispute. 
About the XXXX I received word from the bank that they had determined that the transaction was not a scam therefor I was out the {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: PA

Complaint narrative:
Direct Express has not provisionally credited my account under regulation e for a dispute that I filed on XX/XX/XXXX. I spoke to a customer service rep and the supervisor in the supervisors stated that the provisionary credit will be on the account on XX/XX/XXXX under regulation e. I will begin discrimination claim and financial discrimination claim as the dispute Department from Direct Express will be the third party defendants acting in a discriminatory manner. Direct Express has treated me in a discriminatory manner by not providing good customer service hanging up not fully disclosing my terms and conditions and not honoring my terms and conditions I haven't been fully disclosed on my terms and conditions under Regulation Z.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15 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: NY

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX reported card as lost, paid off balance, then locked the account. card was lost, but account had XXXX balance, no fraud to report. 

Lock  feature stated all future transactions would be declined. This is exactly what I wanted. new card arrived in the mail, I never opened the envelope, never unlocked the account. Account stated " locked since XX/XX/XXXX ''. 

On XX/XX/2020, a XXXX charge occured. I had not opened the envelope to even see my card, and the account still stated LOCKED. Called in a fraud notice, frustrated and confused how the account was " locked '', still stated it was " locked '', and yet a transaction had gone through. Customer service suggested that possibly someone had stolen my login credentials, logged in, unlocked the account, used my credit card ( which was still in a sealed envelope on my desk ), made the transaction, then logged back in, and re-locked the account. I asked how the transaction happened on XX/XX/XXXX while my account still stated " locked since XX/XX/XXXX '', and a supervisor told me that " sometimes the lock doesnt do anything. '' this is recorded on my call on or around XX/XX/XXXX, I don't have the exact date. 

I was told the account was closed for fraud, and a new account number was issued, and a new card would be sent out. Frustratingly, this " unlocked '' the account. I logged in, locked it again, and the new card arrived in the mail. I did not open the envelope again. I made sure the account was at XXXX balance. again, new account, new card, locked account, sealed envelope. 

XX/XX/2020, ANOTHER charge occured from " etsy '' for {$1.00}. I have not opened the sealed envelope to access my card number, and the account is still " locked. '' I apparently have no control over my own account, and routinely, it is somehow being given across the internet. If I don't log in regularly and report routine fraud, I would go into late payment, as I have not made any purchases since XXXX. 

Chase is not doing anything to prevent this, and will not answer how my account is being leaked with routine efforts to prevent this on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: AES/PHEAA
State: TX

Complaint narrative:
One more time, I can not be late in XXXX when I paid it off in XXXX. Still there are accounts now showing 120 days late in XXXX of 2020. Almost 18 months after this was paid. This is retaliation for asking them to report correctly

Company response to consumer: Closed with non-monetary relief