vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: On Q Financial
State: SC

Complaint narrative:
In XX/XX/XXXX, I started the process with OnQ financial for a construction loan with a new home mortgage per the referral of the home builder. Throughout the entire process, XXXX  was extremely difficult and rude to work with and pulled my credit more times than necessary and dragging out the process which negatively affected my credit score. Credit score was over XXXX and less than a year later was down to XXXX. Consequently, this then disqualified me as an excellent candidate and affected which loans I was approved for as well as a higher interest rate. Hard credit pulls each time, not soft as their communication stated. In addition, now that the construction is in process, each month there is incorrect information provided as far as the loan information such as an interest rate of 33 % when it should have been 6.5 %, sending the invoices to an address that I do not live at, not sending on time thereby causing a late fee, etc. Furthermore, my partner had the same house, same loan, started same time, etc but they treated him differently than myself and he closed 2 months earlier than I did since they continued to drag my process out. They also charged him a lower fee for an appraisal. 
Hard Credit pulls occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I finally signed loan docs and started the payments on XX/XX/XXXX, a full year later, when the builder had all my documents and contracts signed back in XX/XX/XXXX. XXXX XXXX was playing a game with me and my credit history and made so many errors it went into full underwriting for a simple loan for a customer with a small financial portfolio. She wasted my time and required the same documents multiple times. When I finally signed, the package was also incorrect information and documents. Frustrating process and more difficult than necessary due to her lack of ineptitude. Despite multiple complaints to the builder and financial institution, she was not replaced nor has received any adverse affects to herself and her position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I notified XXXX Credit Card by Goldman Sachs about a billing error and they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
My statements always appear in arrears, even when I pay electronically on the XXXX or the XXXX of each month. Make a comparison of when I pay versus the statement ; never been in arrears or late payment for this loan. However, the application or process time for Loan Depot to my account can take days or weeks to be executed. Each day and each time my payments are not applied as expected, the load incurs additional interest. 
Each statement I receive displays the account is behind. 
There is also a 15-day grace period on this loan. This has never had to use it except for a one-time exception when it was a Lender error. When that occurred, the Lender refused to apply for the payment until they resolved this issue internally, which took 15 days. I thought the servicer ( Loan Depot ) typically must credit a payment to your account the day they get it. That way, you don't owe extra fees, and the amount doesn't look late to the Lender. Late payments show up on your credit report and may affect your ability to get credit in the future. However, Loan Depot appears to engage in an old practice trick I used to see back when I was in banking- holding funds. This is probably not just done for my account alone ; I suspect this practice is done on many undeserving applicants. Some lenders use it to make money via additional interest and late fees, which is VERY illegal and unethical. A lender is not legally permitted to delay cashing a payment to charge a borrower late fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2021, Bank of America sent me an email stating my account balance was low. I knew this was impossible, as I had more than {$7900.00} in my account. I called immediately to find a solution to the problem, and they treated me like a criminal stating I had a fraudulent deposit made. 

The deposit was one my friend had sent to my account from the U.S., so I could take out some cash for him while traveling to surf in XXXX. He immediately called the bank and explained that he had sent the money, so they would realize it wasn't fraudulent. Bank of America should have record of him calling numerous times as well as him going into the brick-and-mortar location. Once, they told him I'd have the check in my mailbox in 30 days, but it never arrived. 

I also contacted Bank of America numerous times and continue to call daily. They continue to tell me I will receive a check in the mail, but they can't tell me when or if it will be within 1 year or 10 years. 

I have never done anything fraudulent in my life. I have XXXX debt, have never overdrafted my bank account and have never even paid a credit card late. Yet, Bank of America refuses to send the balance for the account they closed. I've been dealing with this for a year and 3 months and have wasted countless hours. I've lost far more than the {$7900.00} in my bank account. 

I would be beside myself with joy if I could just settle this issue and have my money back, so I can move on with my life and my new bank account. 

Thank you!

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 2022-10-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
In early 2022, I opened a Target XXXX XXXX XXXX I was given a credit line that was insufficient for my needs and was told that if I prepaid ahead of charges I would a ) be able to spend more, and b ) would accelerate and increase the likelihood of recieving automatic credit line increases. 

I made a payment in-store via prepaid debit cards that do not allow credits after activation. 

My last payment was made in XXXX of 2022 totaling {$22000.00} -- XXXX payments in the amount of {$490.00} per prepaid debit card. The payment was made in-store. 

Not long after Target called me and informed me that my account was closed for excessive payments, despite the phone rep telling me that it was an approved method for increasing spending power and was viewed as a positive action by the bank. 

They informed me that they would be refunding the credit balance on the account via a check to the mailing address on file. The prepaid debit cards have been disposed of and they do not accept credits after the initial activation. 

Months after the incident Target informed me that they decided to return the payments to the original payment method despite them having to go out of the way to do this and process 46 individual refunds. This is inconsistent with standard practice, both for Target and for the industry standard. After the funds have cleared and the hold period has elapsed, a check is typically issued to the address on file. Target refuses to correct their mistake and says that I need to call the prepaid debit issuer. Target went out of their way to cause this issue, will not even provide proof that the funds were sent, and will not issue the check they had promised to issue as of Saturday XX/XX/2022. 

The reps claim that this is standard practice in instances where they refund a credit balance on the account, however that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland credit management balance {$130.00} XXXX XXXX XXXX balance {$110.00} In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: TX

Complaint narrative:
I have sent dispute letters for inaccurate reporting on my credit report in XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the XXXX XXXX account reporting on my credit. I have also contacted XXXX XXXX about this issue multiple times. I finally received a letter from XXXX XXXX. 

According to my rights under the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I also have a right to the following : 1. To dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

2. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

3. Seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

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 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I look at my accounts online daily On XXXX XXXX I noticed my XXXX XXXX account said restricted. My payment was due by XXXX XXXX on the XXXX  of XXXX I made a payment for {$300.00}. I called Saturday the XXXX of XXXX to ask for a credit card increase. To only discover my account was closed without any notification or a reason to the closure. This is an active account I pay into and use this account if not daily weekly.This is unacceptable especially when I'm in a crisis do to bereavement of my brother passing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
I contacted MOHELA on XX/XX/XXXX asking to have the payments I've made since XX/XX/XXXX refunded. I didn't receive a response. I called a few days later to follow up and was told that they will put in a request to reopen the loans and refund me all of the payments I've made since XX/XX/XXXX. They didn't give me a confirmation email but did mention it can take up to 30 days to process. I followed up again on XX/XX/XXXX by phone and spoke with XXXX, who let me know that my request was put through on XX/XX/XXXX. I still have not received the refund and there are no changes to my online MOHELA account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: EdFinancial Services
State: TN

Complaint narrative:
Called EdFinancial on XX/XX/2022 to request a refund per the CARES Act. I provided all the requested information. The customer service representative stated that a request was processed and I should see my balance change and a refund in 6-12 weeks. She stated she could not provide confirmation of the request when I asked multiple times. 

Via Chat XX/XX/2022, I asked for confirmation of the request and was told they could not provide confirmation. My account balance has not been updated and I have not received a refund. 

Called EdFinancial on XX/XX/2022 and was hung up on when I requested verification that my refund request was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XX/XX/2019 My loan transferred from XXXX to NewRez then later to Shellpoint. XXXX reported negative escrow and NewRez/Shellpoint continues to take fees that are undisclosed named OTHER out of my escrow and I pay my payments well over the taxes that are to be paid from my escrow yet there is never ever enough money to cover my XXXX annual taxes. I call repeatedly and rarely get a response, each rep has a different name for the ( other fees ). I have written notifications and rarely get a response. I have even asked for my escrow account to be removed since I have well over 20 % equity and always paid my taxes until XXXX changed it. However I am told I can not remove escrow. Calculations never match mathematically. EVERY SINGLE YEAR. The math does not add up. They do nothing to fix it. Always say I am short in escrow. ROBBERY ALSO always ask for condo insurance over and over and I provide it over and over and over and they still take money from escrow. Once they credit money back it is never the amount to bring escrow to the balance needed for my little {$450.00} property tax payment. I pay XXXX to escrow times 12 months is more than enough for my property tax. YET it is always short every single year by hundreds of dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: EdFinancial Services
State: TX

Complaint narrative:
I have not received my student loan refund in full & have received conflicting information each time I call the servicer in regards to my refund being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I still have not been able to get the funds in my PayPal account out of PayPal. It is not day 2 Ive had to report this. I have had assistant call to fix issue once again PayPal has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Orion Portfolio Services, LLC
State: TX

Complaint narrative:
Orion portfolio services LLC acct : XXXX This company has inconsistencies in my account and in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I applied for an Apple card on XX/XX/XXXX, -although I had a credit score over XXXX and only using 15 % of my available credit, I was only given a {$2000.00} line of credit. 
On XX/XX/XXXX, I requested a credit line increase, again my XXXX score was XXXX, my XXXX score was XXXX ( excellent ) My XXXX  score XXXX. My XXXX score of XXXX was used and I again was denied a limit increase. 
More importantly I am currently only using 4 % of my available credit, which is confirmed by my credit report. Only reason Goldman Sachs has given for denying me is that I had too many inquiries. 11 total over the last 2 yrs with 5 of them in XXXX. 
Many of these inquiries were NOT to obtain credit. Also 3 of these inquiries from XXXX were for accounts I immediately closed. The reason banks look at inquiries as a negative is that it COULD signal someone in financial trouble and shopping around too much for credit. One look at my credit report and any high school student can see that is not the case with my credit history. 
I am going to provide an explanation of each inquiry that should have NO bearing towards my credit because those accounts were either closed, were the result of opening a checking account or car shopping and by doing so request a reconsideration from Goldman Sachs for a credit line increase. 
I am using this platform to have an accurate record of this process because I believe I am being discriminated against for reasons currently unknown to me. 
XX/XX/XXXX, XXXX XXXX XXXX  was for an auto loan- which I did not establish a line of credit. I decided to pay cash for the car. 
XX/XX/XXXX- XXXX XXXX inquiry was from opening a new checking account. I had previously closed all my accounts with XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX was for a car- which I did not establish a line of credit. I decided to pay cash for the car. 
XX/XX/XXXX XXXX XXXX XXXX XXXX I closed this account XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX  XXXX - I refused the credit- interest rate was not what they initially promised. 
SO the reality is that I have had 2 inquiries in XXXX that have established any credit and 5 inquiries total over the last 2 years. 
Again I am using only 4 % of my available credit I have no mortgage or car payment and my total cost of living is only 30 % of my monthly salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Never took possession of a rental unit and stated to the landlord that we would not rent the unit. They said we took possession and charged a cancellation fee. They never notified us of this and wrote it off as a disaster relief expense too. 
The company and details are as follows : Transworld Systems {$7100.00} Original : XXXX XXXX XXXX Opened : XXXX Reported : XXXX Act. # : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I have a letter thats an informational subpoena that if I dont answer in 14 days Ill be arrested. I refuse to give them personal information as I already had my id stolen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: Radius Global Solutions LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX balance {$130.00} Radius global solutions balance {$110.00} In accordance with the Fair Credit Reporting act 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 a account without my 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