vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Fraud services ... disputes not resolved since XX/XX/2023 Also, wrong credit limit... it is higher ... wrong APR ... rewards not given properly .... 

Reported to abuse email, bank of America XXXX at XXXX XXXX Texas branch, blacklisted blocked persecuted ilegally restricted victimized forgery Also car loan .... identity theft ... XXXXXXXX XXXX XXXX  ... XXXXinvestigated..no solution Not able to attach police reports, XXXX and FTC report is 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 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
I received an email from Current on XX/XX/XX/XX/XXXXindicating my new virtual credit card was active. I've never heard of this bank and did not open a new account. I found an email address on their website, XX/XX/XXXX and advised them I didn't know what this was and didn't open an account. On XX/XX/ they advised me to provide my First and Last Name, City and State, DOB, and last 4 digits of the card to look up an account. I hesitantly provided this information to this random company. Again, I didn't open this account and they should be able to research from the generated email. They advised that they were going to escalate to their fraud team for review. I asked, again, for contact information so I could call and speak with someone. On XX/XX/ I received a notification that my new card had been shipped via XXXX and if I had any questions, I should use the mobile app. I sent another message indicating this feels like fraud and I need support to assist. I can't use the app because I don't have an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has failed to send out consistent payment reminders. They claim that they did their due diligence to reach out but I do not receive any correspondence. They claim to have sent out letters but we do not receive written correspondence. They have different emails on file and none of them are correct. They also call from unknown numbers that are marked as spam and do not leave any voicemails, therefore I never know who is calling me and for what reason. They also have it documented that they do not leave voicemails when I call and I have been told in the past that they are not permitted to do so. 

My credit score, and the credit score of my co-signer, has dropped significantly due to Navient reporting late payments. But I am unsure how they expect payments to be made if they are not sending out notices to the proper sources of contact and are not leaving any sort of voicemail correspondence. We spoke with them as of Wednesday, XX/XX/XXXX, and they have claimed that they did their due diligence to reach out but this is highly inaccurate as every ounce of information is wrong. 

In addition, an agent from one of the calls made on Wednesday offered to send information via email to file a dispute through a credit union. It is now Saturday and that email has still not been received. I called twice Thursday to follow up. Thursday morning at XXXX XXXX I was told that they will be sending it to an email that should not be on file - I asked them to change the email and they said that would be a XXXXXXXX XXXX process to change it and then another XXXXXXXX XXXX to send out the email with dispute information. I said to leave the email as is so I could just get the dispute information. I called again on Thursday at XXXXXXXX XXXX  as information still has not been received. I was told that this was due to not being signed up for email notices ( no one mentioned this to me in the last two calls ) and that they would set that specific email up for it. I was supposed to receive an email within a half hour from that call confirming some setting changes and then the dispute email in another XXXXXXXX XXXX. It is Saturday morning and I still have not received that information. I will be calling again Monday morning as soon as they are available and will have to call every XXXXXXXX XXXX if the email isnt received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have had no luck obtaining my free annual credit report from all three credit reporting agencies. I am respectfully requesting these copies through the CFPB as a middle third party to see that my request is sincere. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/2023, my cash app card was stolen. on XX/XX/2023 {$46.00} was withdrawn from an ATM fraudulently without my permission/authorization. The despite was denied 3 times finally I decided to go further and here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: KS

Complaint narrative:
On XX/XX/XX/XX/XXXX Paragon Revenue group agreed in response to consumer financial protection bureau complaint number XXXX to remove their collection from all credit reports and from their account. They are also responsible for notifying the original creditor of the complaint and the debt resulting from Identity Theft. Paragon Revenue group has failed to comply with its agreement. The collection is still on my XXXX and XXXX credit reports. With this complaint, I request that Paragon Revenue group comply with its original agreement to remove and block this debt and collection from my credit reports as well as provide me with proof of the notification and information sent to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have had this credit card account for over XXXX  years and have never missed a payment or had a return payment all these years. I recently started using a new bank account for payment and this banks has had a funny way of returning payment even when I have available funds to cover the payment. So a meager payment of {$220.00} that I had funds available was returned on first attempt but went through on second attempt, and I tried explaining to my credit card company the issue with my bank after the charged a returned payment fee of {$29.00}. I requested for a customer courtesy waiver for the returned payment fee been that it was the fault of the bank. To my surprise and disappointment, my request was turned down and even when I spoke with a supervisor, it was still not granted. I have never been denied a courtesy waiver of a fee when it is not what I do. I make full statement balance payment and have never missed a payment. This is what customers are rewarded for until my experience with this credit card company.

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 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Had a barcleys credit card opened in XXXX 

Rewards stolen, apr incorrect, credit line, and tried to reopen, declined... all credit stolen ... by XXXX 

Identity ... theft defamated discriminated forgery restricted discriminated ilegally, persecuted ilegally, retaliated defamated blacklisted Miles rewards, etc.. gone...

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 2023-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
We attempted numerous loan modifications, but ultimately were foreclosed on even though we submitted all requested documentation and made the necessary trial period payments.

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 2023-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
There is a court order signed by XXXX XXXX saying " the interest portion of the debt can not be enlarged beyond the figure it represented on XX/XX/2007 ''. 

XXXX XXXX XXXXXXXX and Select Portfolio Servicing have ignored and violated this order and have continued to add fees, late payments and the like on to the account in question in violation of 12 U.S. Code 2605.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
Ive been having some serious issues with my bank and how they handle my money and I need some serious help me resolve this asap! I was referred to Current ( XXXX XXXX XXXX ) prepaid debit account by a good friend and upon becoming a customer and opening an account, i experienced my 1st problem back in XXXX of XXXX  when a ton of fraudulant charges took place without my authorization nor my approval. On or around Friday XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023. We were able to return to our home on late Monday XX/XX/2023 to assess the XXXX  to our home and learned from several of our XXXX  that after we went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  our home had been XXXX  at least once if not more so we discovered that the suspect had stolen my wallet as it had been left on the dining room table, most of our jewelry was stolen, and a gaming console was also taken so we promptly contacted police and got a report and also called to cancel all my credit/debit cards just to learn of countless fraudulant charges that took place during our XXXX  stay so we disputed all those unauthorized charges and also provided a police report, XXXX XXXX XXXX XXXX XXXX visit, as well as a dozen witness statements from our neighbors that witnessed our home being burglarized but our claim and all apeals were denied. We got a letter in the mail from Current telling us that because we did business at one or more of the businesses that the fraudulant charges were done at, they determined that the charges are valid and they were denying our claim. Thats irrelevant that just because we did business at any of the same businesses that the fraud took place doesnt mean anything. Thats not damning guaranteed evidence proving those charges were by me at all! They must have solid proof the charges belong to me and i guarantee they cant provide that as i already provided proof where i was during that time! Then another situation surfaced again on XX/XX/2023 when we were going through our financial statement and discovered a charge made to a place called " XXXX '' for {$1500.00} and we again disputed the unauthorized transaction as weve never even heard of such a place named " XXXX '', but again our claim was denied. Current stated after review they decided that no error ever occured but thats not right! This is insane! How can any business be allowed to do this? I filed a report with you months ago i believe and you concluded that the bank did nothing wrong which is XXXX! How can all my stacked evidence that i gave them be overlooked? They claim they take all fraud etc very serious and conduct thorough review before deciding and thats hogwash otherwise i would not be reporting it right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Per my previous complaint ; I requested actual statements from XXXX, XXXX, and XXXX to reflect the mortgage balance before, during, and after the partial claim payments were made by HUD to BMO that were to be applied to my mortgage. BMO replied by sending me a copy of my publically accessible partial claim agreement ( that I provided to them ) along with some end of the year tax documents for a few years. Up to last week, I have still made numerous requests for my actual statements and BMO has not been able to provide them, and claim that they can not find them. The information I have requested are my XXXX, XXXX, and XXXX actual mortgage statements. This has NOT been provided, nor has it been shown the payment from HUD was actually applied to my mortgage balance. ( The reason for requesting these statements ).

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

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 2023-10-21 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: MD

Complaint narrative:
I attempted to pay off all my student loans in two payments in XX/XX/2023 but I could not because MOHELA 's portal was unclear and customer service was unresponsive well after the 3 business days waiting period. Additionally, the portal possibly included incorrect information - I say " possibly '' because they still haven't cleared it the confusion. 

- In early XXXX, I made a small payment to see how the payment system worked. This was successful. 
- I made a large " final '' payment to pay off my entire balance. The process to pay off the loan was confusing because I could not see where to pay for the interest, it only showed me an option to pay for principal. When I made my " final '' payment, I thought it included everything since I was reading off of the amounts in the portal. I logged in a few days later to find that more PRINCIPAL was owed ( around {$60.00} ) - I sent them a secure message through their system to ask how to complete the payment of the interest and to clarify why I had a principal balance when I had paid off all my principle. 
-After sending the message to customer service, I made another payment to clear out the remaining {$60.00}. 
- I logged in again today ( XXXX ) and found that an additional amount is still owed. 
- As of this writing, I have yet to receive a response.

My friend has had similar issues paying off her loan in one go and I have encouraged her to submit a complaint as well. I should have not have to go through so many loops to pay off
my student loans. I have the money to pay off everything now - Imagine those who do not and are forced to work with MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have had no luck obtaining my free annual credit report from all three credit reporting agencies. I am respectfully requesting these copies through the CFPB as a middle third party to see that my request is sincere. 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 non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Upon filing for a bankruptcy ten years ago, I was informed that the second lien on my home with Mr. Cooper was part of the bankruptcy process and that I was not responsible for the debt. The debt was with Mr. Cooper and after calling their answering service, stated such, " that the loan was no longer my responsibility ''. Then a year ago, Mr. Cooper informed me that I was responsible for the loan and it was long past due. As I did not have the funds to pay, I applied for a HAF loan with the state of Maryland, as it was less than {$20000.00}, and during the pandemic I could not afford to make payments. The loan was approved and HAF made the payoff amount of {$18000.00}. Statements emailed to me progressively showed the loan being paid to a - {$160.00}. I spoke with a XXXX XXXX who verified the loan was taken care of. Then on XX/XX/XXXX XXXX I received a phone call from a representative at Mr. Cooper informing me if they did not receive {$2800.00} from me by XX/XX/, the HAF funds would be returned and evidently my house would be in default. The representative kept asking me if I was still in the house, even though I have a first mortgage that I have never missed a payment on. I feel I'm being harassed by Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: RI

Complaint narrative:
I called MoneyGram customer service today, on XX/XX/23, at approximately XXXX XXXX  Northeastern Time, regarding issues with logging into their website. Unfortunately, they informed me that they had detected suspicious activity and decided to block my access to MoneyGram, which I believe to be arbitrary and unfounded. 

I politely inquired about the specific allegations of suspicious activity, but they declined to provide any details and simply initiated an internal case. 

Furthermore, I politely requested to file an internal complaint for documentation purposes, and they assigned a case number, XXXX. 

Finally, I asked for information regarding the regulatory authorities to whom I could report my complaint due to their XXXX waiting period. However, the supervisor, XXXX, refused to provide this information. 

I have concerns that MoneyGrams actions may not be in compliance with federal or state laws, and I feel that my rights may have been violated through discriminatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MO

Complaint narrative:
Square froze a payment that a customer sent to my account. This is the 4th payment that has been made by the same customer and same customer information for the last few months. They're holding money for no reason and do not respond to my inquiries.

Company response to consumer: Closed with explanation