vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
cfpb not responding to my former queries ... .also all 5 of my former complaints have been erased... .deleted from this database?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I am writing because of difficulties accessing the Public Service Loan Forgiveness program. I am currently a post-doc at XXXX and have been since XXXX. In XXXX, I sent in a PSLF verification form but received no response. In addition, my loans were not transferred from XXXX XXXX to XXXX  as required. This year, in early XXXX, I again sent in my PSLF verification, both by fax and by letter. I have again received no response. The PSLF form is correctly filled out : it was filled out by XXXX, whose HR department knows the requirements and explicitly confirmed in email she properly signed the document. 
I worry the continuing non-response will jeopardize my ability to participate in the program. Without being part of XXXX or MOHELA, I can not track the status of my PSLF applications or receive feedback concerning whether they have been accepted. I have other, older PSLF forms ready from earlier in my career but I do not want to fax and mail more documents that get me no closer to my goal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
Debt collector called me and I asked that all calls stop and any correspondence be via mail. The agent told me we will keep calling you and hung up on me. I called back and spoke to a different agent to express what transpired during the first phone call and she was just as rude and told me my number has been blocked. I asked if her company was a collection agency she said *no '' and since I didnt ID myself she is going to end the call and hung up on me. I called a third time and asked for a mgr, female ID herself as a mgr. I explained both previous calls and I told her I had requested a XXXX months prior, the mgr told me since I didn't respond to the letter they sent me this is why they are calling me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am having an issue with Equifax and their investigation process. I have an account showing on my credit report with them saying that I have multiple late payments and this is not true. The card was with XXXXXXXX XXXX XXXX XXXX. When I try calling the credit card company noone is able to pull to me up in their system to assist me, so I am not not sure how Equifax can do an investigation in less than 24hrs, when I can't be found in the system at all. I have also asked Equifax for the name, email, or fax number of the person they reached out to that verified this information so I can talk with them and have them help me with this. I wasn't given any new information than what I current have now which is this number XXXX. So if this is the number they are using someone is lying to me. I do not have any late payments on XXXX or XXXX the credit card in question reported to all 3 major credit bureaus. I have also sent letter to XXXX XXXX XXXX XXXX and no one has ever wrote me back or got in contact with me on any way about my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T bank pulled a hard credit report on XX/XX/2022 without first alerting or asking me. Nor did they tell me after. I found out " only '' from an email from a credit reporting agency after they had already pulled it. When I asked the bank why they had done that without asking me, specifying it caused my credit score to drop several points, they said that it was 'normal ' to continue a loan process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: MI

Complaint narrative:
My father passed away in XXXX of XXXX. His XXXX funds where deposited to a Direct Express mastercard which apparently has no physical location. On XX/XX/XXXX I received my personal representative papers and filled out the paperwork to have the balance of XXXX on his Direct Express card disbursed to the estate. I received a letter on XXXX stating the funds were disbursed. When I had not received the funds by XXXX, I called Direct Express to check on the status and was told that the funds left the account on XXXX but she did not know where they had gone. I was transferred several times until I reached XXXX who said she could only speak to my father and who hung up on me when I asked to speak to a supervisor. On XXXX, I called again and spoke to XXXX in the fraud department who said the funds had been sent to my lawyer 's office and the check had been issued on either XXXX or XXXX. She told me to call back if the check still had not been received by the end of the month. I called back on XXXX to ask for the funds to be reissued and mailed to my address since the check had not been received by myself or the lawyer 's office. The person I spoke to told me the case was closed and if i called back I would get the same response and then she hung up on me. I emailed the probate emailing address and requested the check be reissued and gave the address. I also called and left a message on the probate number. I did not receive a response to my call or email. I called again on XXXX and spoke to XXXX and she said she would have someone from upper management call me back. No on called me back. On XXXX, I called again and informed Direct Express I would be filing a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
on XX/XX/2022 made a payment to XXXX of {$170.00} for XXXX XXXX card.After XXXX months of dealing with XXXX they sent me a letter confirming the money was forwarded to Comenity Capital Bank.Call Comenity Bank many times can not get an answer where my money went.Call my bank that made the payment XXXX they gave me a tracking number XXXX and conformation number XXXX. They told me if they do not know where my money went there payment system should be investigated.Been paying XXXX on the XXXX of ever month for XXXX years got a statement in XXXX i payed it like i have always done. In XXXX first staement from Comenity with late fee saying i did not pay them.How can i pay them in XXXX when XXXX sent me a statement to pay them and i did not get XXXX from them until XXXX bank told me if my money is not found they would take futher steps

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be updated. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Purchased fish tank with live fish and corals for {$2100.00} asked how to ensure the set up and transport safety of fish, was charged additional fee of {$100.00} to guarantee them, and the owner brought fish tank to my home! During set up he broke an item off the filter. He struggled getting the tank to turn on and also did not set up lights with me properly! He told me not to worry that he guaranteed everything through the process and fish would be fine even with broken piece on tank! Next day there were issues, he sent some one out to check tank! They worked on it. He also led me to believe this item was only 1-2 years old. Later in text disclosed it was almost 10 years old. I asked him to return it he said no problem he would get someone over to pick up tank! He came and picked up tank! He told me in text he would refund money! Never did. I started dispute with Bank of America they sided with him bc he said he doesnt do returns! There was never any note, or discussion during or through the return or him picking up item telling me he had no return policy until after I filed claim with my bank. He said he guaranteed the item by delivering it and setting it up bc he knew what he was doing. After claim with bank he sent message saying he would give me {$400.00} cash and {$400.00} store credit that is all! I refuse to accept that since I have no item and didnt even have the tank a week

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reached out to Experian, XXXX and XXXX about accounts reporting delinquent when they are indeed not. These reporting agencies will verify without any actual verification. I have requested proof of verification but each company refuses to send verification. I legally have the right to be shown proof of verification. I require full disclosure and documentary evidence pursuant to 15 USC 44, that this information has been properly verified in the event of further legal proceedings. I demand to have full verifiable information. They are required by federal law to provide physical evidence which they have not and Im demanding for all of the inaccuracies being reported be removed 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 2022-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
I logged on to transfer money out of my account. The site ( Gemini.com ) was not accepting the only password I ever used for the site so I changed my password and was not able to access my funds ( simply request the transfer of funds out of that account and to my bank ) : they locked my account for XXXX hrs. Now XXXX weeks later the account is still locked and I still can not process the transfer of funds out of my account. The company has no number that I can call and customer service support is extremely slow and due to my schedule it may take another 5 days before I can get into my account... this is going round and round and is a block to me accessing my money in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be updated. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
My complaint is against both XXXXXXXX XXXX and Freedom Mortgage- for double fees on payoff quotes, and for higher interest charges resulting in my mortgage transfer. 

XXXX XXXX- I listed my home for sale, and it went pending on XX/XX/XXXX XXXX XXXX - Pending XX/XX/XXXX - Roundpoint announces transfer of my mortgage to XXXX while I was pending. They immediately cancel my recurring payments, resulting in higher interest charges to Freedom mortgage. They also do not include new account number at XXXX in announcement, resulting in higher interest rate accruals as I struggled to learn the new account number and pay my mortgage. 

XX/XX/XXXX - XXXX quote requested from XXXX, but was ignored. {$30.00} fee assessed and shows in transaction at Freedom mortgage. 

XX/XX/XXXX - Welcome letter from XXXX, finally with new account number, 6 days after payment due date. Damage was additional daily interest accrual on my payment amount, previously automatically set but cancelled with XXXX. 

XX/XX/XXXX - Payoff quote requested from XXXX, another {$30.00} fee assessed XX/XX/XXXX - close of escrow. Both {$30.00} fees for payoff quotes show up on XXXX ledger and Freedom refuses to refund the duplicate {$30.00} charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jeffereson Capital Systems alleges I defaulted on my credit cards and that my account was purchased against my will. I had no knowledge of my account being purchased and request documents and proof. 

Jeffereson Capital Systems has forced a court suit to a family member in my name against their will and wishes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with fair reporting act acct # XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 ( a ) states i have right to privacy 15 USC1681 section 604 ( a ) it also states a consumer reorting agency can not furnish a account without any written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have reached out to XXXX, XXXX and Transunion about accounts reporting delinquent when they are indeed not. These reporting agencies will verify without any actual verification. I have requested proof of verification but each company refuses to send verification. I legally have the right to be shown proof of verification. I require full disclosure and documentary evidence pursuant to 15 USC 44, that this information has been properly verified in the event of further legal proceedings. I demand to have full verifiable information. They are required by federal law to provide physical evidence which they have not and Im demanding for all of the inaccuracies being reported be removed 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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reached out to XXXX, Equifax and XXXX about accounts reporting delinquent when they are indeed not. These reporting agencies will verify without any actual verification. I have requested proof of verification but each company refuses to send verification. I legally have the right to be shown proof of verification. I require full disclosure and documentary evidence pursuant to 15 USC 44, that this information has been properly verified in the event of further legal proceedings. I demand to have full verifiable information. They are required by federal law to provide physical evidence which they have not and Im demanding for all of the inaccuracies being reported be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I have a car loan with TOYOTA MOTOR CREDIT ( XXXX XXXX ) and I was using their new FINACIAL app to pay the monthly installments. However, due to an error in their FINACIAL app, I was paying more than double the monthly installment to the extent that the due date on the paper statements, I received from the company, was three months from the statement date!! My XXXX credit report shows that the reported monthly installments by TOYOTA MOTOR CREDIT was XXXX on some months which means that the account was over paid!! 

I contacted TOYOTA MOTOR CREDIT ( which also takes care of XXXX loans, like mine ) and they admitted that their FINACIAL app was not working properly and they waived the late fee on my account as I told them I had to stop using their app for payment until I avoid any over payments from my Bank account, during the course of such switch, a payment was not promptly sent!!. 

The credit report history for my payment with TOYOTA is Crystal clear and shows the over payment on the account. 

Now the payment is current without any over payment since I stopped using the app and started paying directly from my bank account. 

I disputed the late payment with TOYOTA and they apologized of the false reporting of the late payment on the account without admitting to the error on their newly developed app. 

I need my credit report to be cleared from this late payment as I explained the reason behind it earlier. Also, I have other revolving accounts on my credit report that are all have perfect status.. 

My credit was more than XXXX before reporting the late payment and it is now XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: MN

Complaint narrative:
Penfed Credit Union Credit Card 1. in XX/XX/XXXX and asked for information to resolve purchases made fraudulently and requested lengthy series of personal information for nearly XXXX minutes over the phone.. When I followed up, other personnel did not recognize or seem to know who I talked with. 

2.People who said they were not directly associated with Penfed took additional info and alerted Penfed. 
3. Penfed seemed to resolve issue after lengthy interrogation ( XXXX ) and sent a new card and updated statement.The statement did not include a previous payment of {$100.00}. Date : XXXX XXXX XXXXWhen I called about incorrect statement another lengthy series of questions were asked including SSAN ( social security # ) in order to move previous payment from old account to new account. Previous payment was verbally recognized, but not in writing. 

5. Another call received XX/XX/XXXX from Penfed ( XXXX XXXX ) alerting me of another fraudulent purchased even though newcard has not been used, XXXX insisted I needed to provide SSAN in order to resolve issue for nearly 30 minutes. When I finally gave SSAN he claimed I had been rude and hung up. Issue not resolved.

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