vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: WA

Complaint narrative:
I sighed up for a XXXX pay off option with Koalafi on XX/XX/2022 I made the initial payment then was told that I would have under the agreement XXXX days to pay it off on XX/XX/2022 I called into their customer service department as the online option for payment was showing more than XXXX then what was originally supposed to be charged. The customer service agent that I spoke with refused to update the payment due, refused to transfer me to a supervisor and refused to give me his name or ID number. I called back to attempt to get to a supervisor XXXX and he stated that they are refusing to honor the XXXX payment price, their " system '' does not allow it. The XXXX days does not expire until XX/XX/2022. 

For your records, your lease will consist of the following terms : XXXX Payment Option : XXXX as long as you pay off within XXXX days Lease Amount : XXXX Initial Payment : XXXX Scheduled Time to Ownership : XXXX months Initial Payment Tax : XXXX Payment Frequency : XXXX a Month # Remaining Scheduled Payments to Acquire Ownership : XXXX Payments XXXX : XXXX} Last Payment : XXXX Scheduled Total Cost of Ownership : XXXX, if you don't pay off early

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  {$600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$99.00} I reached out to RCI Elite Rewards XXXXXXXX after finding the above fraudulent charges in a minor audit. After filing claims for the above charges they sent out a letter stating that this was not fraud and they are denying the claims. I was told to reach out to company directly to try to process a refund, I've reached out to the companies, with no success of contacting them. Their response was that I need to provide documented proof that I did not authorize these payments, and I explained I have no more information regarding the merchants, as I did not approve these.

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 2023-01-12 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: Checkr, Inc
State: HI

Complaint narrative:
I applied for XXXXXXXX XXXX as a driver to deliver food. XXXX XXXX run a credit report and it came up with wrong information. It said I was in a fraud investigation., and I'm on public assistance, not true I'm unemployed, someone used my identity for unemployment. I was involved in identity theft. All wrong information is given on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: HI

Complaint narrative:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested 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 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On or about XX/XX/XXXX I reached out to who I thought was a client of mine via text and asked him to set aside some baseball tickets for me like always. We begin to have a conversation nothing unusual. Who i thought was a good client of mine said that he had reached his XXXX limit and wanted me to XXXX  a contractor some funds to finish a job on a condo him and his wife had recently purchased, I had no problem with it because he have been a client of mine since XXXX. Between XXXX XXXX a total of XXXX was sent. On XX/XX/XXXX I was scheduled to meet what I believed was my client at his place of business. I arrived at the business and talked with my client at that point he showed me his phone and there was not text thread from us and began to tell me that his number was cloned and he was working with XXXX XXXX to get his number back. At that point i contacted Chase Bank to file a claim of fraud. The bank told me it was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX, On my Experian credit report, it still shows an old address reporting on my credit report. This old address is listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not lived at this address for over XXXX XXXX  and I would like this address to be completely removed from my credit report. Also, there is a bankruptcy still reporting on my credit report on Experian. It has far exceeded the reporting timeframe and should be removed as well. Also, there is a secured XXXXXXXX XXXX XXXX thats being reported on my credit report. At the time when his account was originally opened, I gave a {$200.00} security deposit. Since the account has been charged-off, its still reporting a balance of {$210.00}. However, XXXX credit card kept my security deposit of {$200.00} so theoretically my balance to only be {$18.00} not {$210.00} which is completely inaccurate.

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 2023-01-12 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: NJ

Complaint narrative:
In XXXX of XXXX I requested a refund from Aidvantage for payments I made during the XXXX payment pause. There were XXXX payments made totaling {$5400.00}. The representative told me my request needed a supervisor 's approval since it was over {$5000.00} and that the process would take XXXX weeks. 

I followed up several times over the next 2 months and was told to expect my refund " any day now '' and that it was in processing. I proceeded to consolidate my loans in order to apply for loan forgiveness after being advised that it was ok to do so since the request was in processing. When I followed up on XX/XX/XXXX ( 2 months since request ) I was advised that they were so sorry but no one had ever submitted my request but that they would do so then. I was told it would take XXXX weeks from then. I have followed up every XXXX weeks since then and have been assured that things are moving along and that my request is being processed and to expect my refund by mid-late XXXX. 

I reached out to Aidvantage via email yesterday and was told that since my loan had been transferred ( back in XXXX ) that they could no longer submit the request on my behalf as they are not my current servicer. I called them today to question that, and the gentleman told me that was correct and that I needed to try XXXX, my new servicer. In speaking with XXXX I am being told that since my loans are consolidated now that I am unable to get a refund. I requested the refunds 2 months prior to my consolidation and was advised by more than XXXX Aidvantage rep that as long as my request was submitted prior to consolidation that it would still be processed. 

I have now spent nearly 5 months chasing my money and feel that Aidvantage and its representatives were negligent in not submitting my requests as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Okay so I disputed XXXX charges XXXX was XXXX dollars from XXXX, XXXX  one was XXXX dollars withdrawn and the XXXX  one was XXXX from XXXX. They had send me an email saying they can not honor my claim and give me back my money back because they think I made those XXXX purchases which I did not. They think I did it because I have my card with me and I had told them that my information was compromise that a hacker couldve got my information. Also this is my second time the bank is not giving me back my money. The first claim that they did not give me back my money was for XXXX for XXXX dollars

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 2023-01-12 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: OH

Complaint narrative:
AAG ( American Advisors Group ) sent me notice & an email saying " They no longer hold the XXXX XXXX # XXXX XXXX XXXX XXXX XXXX After a complaint XXXX & XXXX was filed with CFPB, AAG insisted they are no longer responsible for mortgage stating that XXXX ( XXXX XXXX XXXX ) is now responsible for the loan. However there is NO record of XXXX registered with XXXX. XXXX bank account at XXXX ( Acct # XXXX ) was CLOSED & XXXX filed for XXXX  XXXX Bankruptcy. Also XXXX denied they had the Lien under CFPB complaints I am requesting AAG send a Notarized Letter of RELEASE OF LOAN # XXXX ( FHA Case # XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached Files shows Attempts to pay off the mortgage in Full XXXX  Bankruptcy Letter AAG email of no longer managing the LIEN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: AL

Complaint narrative:
I imagine XXXX XXXX Bank is a good Bank but I have not Authorized them to pull my credit. I have sent TransUnion, XXXX, and XXXX 3 different disputes notifying them of Impermissible.Purpose. 

Yet, have the inquires.been removed nor have i been given an details or explanation. 

I've never had a XXXX XXXX account nor have I applied for 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 explanation
Consumer complaint received 2023-01-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I imagine XXXX XXXX Bank is a good Bank but I have not Authorized them to pull my credit. I have sent XXXX, Experian, and XXXX 3 different disputes notifying them of Impermissible.Purpose. 

Yet, have the inquires.been removed nor have i been given an details or explanation. 

I've never had a XXXX XXXX account nor have I applied for 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 explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Holding Company, Inc.
State: OK

Complaint narrative:
Avant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Six months ago, I was approved for a {$4000.00} loan, payable on the XXXX of every month in the amount of {$140.00}. Although I made a payment before the first due date the balance has not decreased much. In addition, I made payments prior to due date in the amount of {$150.00} per month. The creditor would often deduct the {$140.00} instead of the {$150.00} which I authorized ; whereby, preventing me to pay loan off sooner. I have never seen the original loan document with scheduled payments, I tried to refinance the loan to get a lower interest rate but was denied a few months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX initiated an unauthorized wire transfer of 401 ( k ) funds to JP Morgan Chase. The funds were sent to an incorrect and unauthorized account and now JP Morgan Chase claims that they can not find the wire. 
Both companies are aware of the situation and both companies claim that the other company is at fault. All while the customer ( me ) is trying to track down retirement funds, to no avail. 

XXXX XXXX XXXX XXXX XXXX has offered friendly and helpful customer service, but can not do anything for me such as recall the wire. JP Morgan Chase has presented itself with terrible customer service. Every time I call, I have to restate the story from the beginning and I get transferred to multiple people who have no answers. When sending secure messages via the Chase website, I receive canned responses which offer no resolution. I have sent multiple messages, and even waited for more than 7 weeks for a response.

Furthermore, this unauthorized wire transfer of 401 ( k ) funds has tax implications that I will have to bear unfairly. 

Thank you for reading my complaint. I hope this will resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-12 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: Block, Inc.
State: FL

Complaint narrative:
There was 4 charges of XXXX, XXXX, XXXX, XXXX at a XXXX on XX/XX/XXXX or XXXX When I reported it to my bank they told me I made those charges I have told them I did not make them and even went to my local XXXX and they do not even see those charges The bank can not tell me where these charges took place Since they are not finding out who did this I am trying to find out but nobody can tell me where they were done. We have called square a dozen times and do not get a response back when told we would get a call or email They are not trying to resolve this. 
I cant see how XXXX disappeared which I worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is an attached copy report with the creditors that I did not give permission to access my credit file Inquiries I did not consent to.

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 2023-01-12 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: FL

Complaint narrative:
EQUIFAX is in violation of the below laws on the account mentioned, and I want them removed immediately after they failed to respond to my demands in the required 30-day time to respond. 

XXXX XXXX, ACCOUNT # XXXX*HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
After reaching out to the servicer yet again for a status update on the cancellation of the prepaid PMI it appears that their systems are so reckless that they apparently have no idea what I am talking about even though : ( a ) in Complaint XXXX ( attached ) they told me and the CFPB that they had initiated the process to allow us to have the prepaid PMI cancelled and refunded ; ( b ) they ordered the BPO which demonstrated we have enough equity to cancel the PMI ; and ( c ) there have been multiple CFPB complaints about this issue. 
This servicer replied yesterday ( XXXX XXXX ID : XXXX ) saying : Thank you for your inquiry. Our records do not reflect the account having BPMI, and no disbursements out of the escrow account in the last XXXX years. It is our pleasure to assist you. '' We know there is no PMI being paid out of escrow. This is about a prepaid policy that can be cancelled and proportionally refunded. How is that so difficult to understand? 

This servicer should not be allowed to service the loans of federally-backed XXXX XXXX XXXX XXXX They just take money while being incapable of doing anything remotely different or complex.

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 2023-01-12 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: HI

Complaint narrative:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested 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