vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Exoerian claims to oof some membership they say is free. However they have been charging me {$24.00} on a weekly basis. I didn't sign up for any paid service and it is unclear what the service it is providing. I can not log into the website to cancel this service or call them. The phone refers me to the website and the website refers my to call. So I am being charged with no way to make it stop. In addition I have no idea what service they are charging me for. 

None of this should be a factor because allowing the reporting agency to charge for any service or to sign people up automatically for overpriced service is not compliant with the fair credit reporting act. As it is neither fair or a free report at all. It is like allowing the officials of a football game to also bet on the outcome of that game. Because I have no faith at all that you will do anything or can do anything about this. I now have to cancel my card and change my account. Then post it on social media so people know to stay away from the free service and hopefully generate some action for you folks with complaints. Look to see if there is a class action suite against them. I imagine you have failed the people by giving so much unchecked power that people are far to afraid to do anything let alone seek justice.

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 2022-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccurate account on my Credit Report and regardless of the multiple written requests, NELNET LNS is still being reported reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: VA

Complaint narrative:
XXXX XXXX Credit Karma advanced refund lie. 

Used XXXX to do my taxes for 2021. They claim credit Karma can give an advance of up to {$1000.00} for your tax refund after a few hours of your refund being accepted by the irs. They have this advance plastered everywhere but once you sign up it disappears and there is no help in regards to credit karma and the advance. Credit karma simply mislead me into believing that I code get a refund advance and have it within 24 hrs if not a few hours.

No customer service no response or reply from credit karma. I found a comment section that had hundreds of complaints about this same situation happening to others. Having someone sign up to use your app just to not have the one thing the user wanted available is totally misleading. I would have never opened up an account with credit karma if I knew they were like this. Now I have to wait until my refund arrives and hopefully they wont freeze my account ( horror stories Ive read online ) so I can transfer my funds out of there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently had my credit reports pulled by a lender and realized that only XXXX was reporting my data. After much research, it was determined that there is a problem with my social security number. It appears that at some point the last two digits of my social security number were compromised, and now both numbers are associated with my information. 

Please be advised that the last 4 digits of my social security number are XXXX, but some reports have it as XXXX. This error is having a detrimental effect on my ability to obtain credit and needs to be corrected IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had an automatic charge go to my capital one account that I hadn't known about. I just started a new job so I went into a cap one cafe and asked how long to bring account current. They told 56 days or XXXX. Mind you, this is all over {$40.00}. I get paid from my new job tomorrow. They decided to close my account today - a day early. I called and they told me tough, can't help you, doesn't matter if info you got was wrong. Again, this is over {$40.00} which will be paid by the time you probably get back to me. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
XXXX, XX/XX/XXXX Re : CFPB Complaint # XXXX Loan # XXXX Property address : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX : I am not required to provide you with all my personal banking information. Please provide proof of such a requirement. 

XXXX XXXX your statement does not make it fact. The two pages of my statement provide all and sufficient data required for proof of payment. Admitting you are wrong is very difficult. 

XXXX XXXX provide substantiating data that show in XXXX of XXXX an actual need to increase our mortgage payment. 

XXXX XXXX if such proof is not provided, I request the CFPB rightly find you personally and Planet Home Lending , LLC in violation of the terms of my mortgage agreement. XXXX XXXX and Planet Home Lending , LLC must be held accountable to the highest degree of the laws. 

Empirical data proves that Planet Home Lending , LLC has a history of misrepresenting the truth, changing the monthly loan payment without ANY substantiating data and then falsely reporting to credit reporting agencies. 

Logically one would try to contact Planet Home Lending , LLC about the above mentioned issues but there is not customer service and a point of contact is never available and furthermore never is there a return call. 

Planet Home Lending , LLC is a predatory lender ; it is not conducting business in an honest and above-board fashion. They are lying to suit their purpose. I have provided sufficient, legal data to show proof of loan payment. These data are sufficient in all legal matters. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NY

Complaint narrative:
Have tried multiple times to reconcile issue with Equifax without success. Every agent states that additional information is required to remove fraudulent inquiry. Ive been given an incorrect fax number on two occasions. Finally presented an FTC complain exactly worded and containing the information they required to XXXX. They acknowledge receipt of the fax on XXXX XX/XX/2022 but the new excuse is that they can not read the FTC complaint number or date on the fax. The FTC complaint was downloaded and faxed electronically. The complaint number XXXX and date are clearly legible. This fraud occurred XX/XX/XXXX and it makes no sense that a victim of identity theft cant resolve fraudulent inquiries with a credit reporting agency in more than 6 months. Ive also contacted the bank and have been assured that they submitted the appropriate paperwork to have the inquiry removed. 
At this point, they are willfully violating a consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
After reviewing my statement from XXXX XXXX via Synchrony Bank I noticed there were card security fees, a phone number was listed and the call hours are between XXXX EST I've called numerous times. There is a pre-recorded message saying to please try again later, which I've been doing. No other department at Synchrony can help because it's a specific card security department.

Synchrony will only show it's customers 11 months worth of statements, and every single one had these fee 's that I never signed up for or authorized. The fee 's have added up to over {$80.00}, and that's just on the statements I was able to view. 

Beware of this card, they will charge you for a program you never signed up for a hide behind the fees. 

I've never had a late payment, and I am appalled by what little resources they have to fix 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 monetary relief
Consumer complaint received 2022-02-08 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: CT

Complaint narrative:
I SUBMITTED AN INVESTIGATION INTO MY CREDIT REPORT DUE TO INACURRATE INFORMATION ON BOTH AND CONFLICTING REPORTS VIA USPS MAIL TO TRANSUNION AND XXXX AND HAVE NOT RECEIVED A RESPONSE VIA MAIL IT HAS BEEN OVER 30 DAYS NOW AND I JUST RECENTLY SENT OUT ANOTHER INVESTIGATION VIA MAIL BECAUSE I HEARD NO RESPONSE FROM THE FIRST ONE.

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 2022-02-08 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: LA

Complaint narrative:
I been contacting equifax XXXX & XXXX every since mad credit card company removed a mistake of a late payment keep calling all 3 and there not helping clear this situation at all waiting on it to clear to expand my business with business funding also my credit card company sent several notification to all 3 companies several times even to me and they are still giving me the run around I constantly call every single day neither company is not help with removing the negative remark

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022 I went into a local branch of Bank of America to deposit a check. Making it perfectly clear that I needed the funds available right away the teller assured me that the the {$3000.00} check would be released XX/XX/XXXX. ( {$220.00} would be released the XXXX ) ( the balance would be released by XXXX XXXX on the XXXX of XXXX. I received an email late that evening that they were extending the hold until the XXXX. The bank was provided proof of funds and there was zero reason to extend the hold an additional week. The email also stated that that any fees I occurred because of the extended hold would be reimbursed. I received 4 returned check charges because of the extended hold. After spending 90 minutes on the phone they reversed 2. Refusing to release the check even when provided proof the check had cleared the other bank. The refuse access to money in the account. Refuse to reverse charges occurred because Of an unnecessary hold.

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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CT

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AND THE PERSON HAD ACCESS TO MY ID AND LICENCE SSN AS WELL. I HAVE DOCUMENTS WITH ID THEFT. GOV AND REPORTS NOT ONLY WAS MY INFORMATION USED FOR THIS COUNT BUT OTHERS ASWELL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I received an unsolicited Cash App card in the mail stating I should activate the card. There is an account number, CVV number and expiration date. Each time I attempt to contact the customer service number, XXXX, I receive a message there is high call volume and no one is able to answer. I want to cancel this account and am now going to resort to sending a letter to Cash App in XXXX XXXX, CA asking them to close the account due to fraud. 
I reached out to Square as they are the parent company and I was told I must contact Cash App directly, which so far has been impossible. 
Via an internet search, I see this is an ongoing problem which they ( Cash App ) should be forced to fix, especially for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
I have attempted to have this account corrected to no avail numerous times as it is outside of the XXXX and its reporting inaccurate information and now we have this issue??? you're in violation of USC 1681 B and you need to delete this account immediately as the dates and the amounts are incorrect, and unverifiable. Please send the account archive file. Do not try and respond in any manner outside of this CFPB portal. Any contact outside of this portal will be considered harassment. Also, during thie investigation, the account needs to cease reporting on my consumer disclosure until the INDEPEDENT investigation is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022 we received a Fraud Alert email from Citibank stating that they noticed suspicious activity on our Debit Card. I immediately called and learned they were alerted to three simultaneous ATM withdrawals from our bank account, in the amounts of {$85.00}, {$85.00} and {$84.00}. All were made at a XXXX XXXX XXXX XXXX, in XXXX California on XX/XX/2022, at the same time. 

I informed the Citi fraud representative that the ATM charges were NOT made by us ( my wife is a joint account holder ) and we had not been to XXXX CA. Its 75 miles from our home. After 41 minutes of answering their questions they said they would investigate our claim and assigned case Number XXXX. 

On XX/XX/XXXX we received an email from Citi that our fraud claim was declined. They said it was declined because we had possession of our cards, which is true. The cards have never been out of our sight for any reason. 

I insisted on appealing their denial of our case and asked for clarification as to why our fraud claim was declined. The Citi fraud representative told me all we could do is refile our claim. So we refiled a new claim on XX/XX/XXXX, case Number XXXX with the same information as the first claim. 

We have been customers of Citi for 26 years in good standing. We take pride in our perfect credit history and are on very solid financial grounds. We would not create fictitious fraud claims for any reason. 

Citibank is not taking us seriously when we give them our assurance that we did not make the three charges at the XXXX XXXXXXXX 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 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BQ & Associates, P.C., L.L.O.
State: KS

Complaint narrative:
Debt Buyers are organizations that purchase credit card debt for a negligible amount of cents on the debts face value ( e.g. XXXX XXXX XXXX XXXX XXXXr ). Some DBs execute intimidating and coercive legal campaigns in pursuit of debtors who are mostly decent people but due to personal crisis, bad luck, lack of education, improvidence, etc. are in the throes of a financial black hole. These unsophisticated debtors clearly are unable to afford legal counsel, forced into an indefensible pro se position, and aggressively pursued by rapacious, predatory collection law offices with their unconscionable legal maneuvers to acquire exorbitant profits. 

Specifically in my matter : Initially, I had a conversation concerning my debt situation with the collection agent to advise of my poor financial situation ( no income, no assets ) precipitated by a $ 2MM embezzlement and discuss options ; the response was a cold Well, well just have to see what the judge says. 

Upon receipt of their pre-trial summons, being in that financial black hole, I bothered a dear friend, XXXX, a retired attorney, for his pro bono assistance. He contacted the plaintiffs legal team on my behalf ( with PoA per plaintiff attorneys demand ) and initiated settlement talks. Ref. email thread dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX doc During on-going negotiations, I asked XXXX if I still needed to appear at the pre-trial to avoid any default for failure to appear. He responded, NO, they are postponing the pre-trial as we were involved in settlement communications. Ref. email thread XX/XX/XXXX, XX/XX/XXXX Time went by without any plaintiff response, or, in fact, any communication whatsoever. Then, upon receipt of, out of the blue, a copy of notice of appearance as attorney on behalf of plaintiff, dated XX/XX/XXXX, I did some research and discovered that plaintiffs attorneys surreptitiously did not postpone the XX/XX/XXXX pre-trial and, in fact, filed for and received a Default Judgment ( XX/XX/XXXX ) for failure to appear at the supposedly postponed pre-trial. NOTE : To this day, we have not received any notification or communication regarding the plan to file, the filing or date for the Default Judgment hearing. Ref. Copy of Entry of Appearance, email thread XX/XX/XXXX Under the superficial appearance of legality, this collection law firm used a sneaky, manipulative, coercive legal strategy that breeches principle and ethics for the sake of disproportionate, XXXX profit. At XXXX XXXX  with no assets nor income other than SS benefits, I am forced to live under the weight of an ill-gotten Court order with no hopes of correcting. This is abuse. This debt collection tactic is unfair, unreasonable and needs to be exposed and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: VT

Complaint narrative:
When I filled out the online form for seeing if I qualified for student loan forgiveness, I found out that MOHELA is claiming that I have made no qualifying payments, yet my loan is decreased by more than {$2000.00}. I make my payments early every month and more than the required amount. I even had a few payments ( like 6 ) made by an employer of more than 2 times the required amount on top of my monthly payment. I have been paying through the forbearance time period and still it says no qualifying payments. I have tried to call numerous times and no one will answer the phone. I am on forever hold and if it does get through, I get hung up on. I filled out an online help ticket and the only response I got for help was a cancellation or closing of the ticket I generated. Why are none of my payments " qualifying '' and if it is so hard to have your payments " qualify '' by their standards, then the early loan forgiveness plan for public service people is a farce. I'm a nurse, I have always worked in small, critical access hospitals. I should qualify. Honestly after the last two years, these student loans for nurses and medical professionals should be 100 % forgiven now... 

Thank you for your help. Sorry for the angry tone, this has been a frustrating endeavor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I have new information regarding this account. 
I submitted a complaint to the cfpb on XXXX, 2022 and Transunion has still not responded to my complaint. 

Transunion is in Direct violation of my federally protected consumer rights. Transunion has gone over 30 days and I have yet to receive a response from the company. Transunion is in default.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently had my credit reports pulled by a lender and realized that only TransUnion was reporting my data. After much research, it was determined that there is a problem with my social security number. It appears that at some point the last two digits of my social security number were compromised, and now both numbers are associated with my information. 

Please be advised that the last 4 digits of my social security number are XXXX, but some reports have it as XXXX. This error is having a detrimental effect on my ability to obtain credit and needs to be corrected 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