vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OH

Complaint narrative:
The police told me to dispute charges because of an problem with XXXX XXXX I didn't they didn't follow through and took my money now I'm in debt and can't pay my bills because of there mishandling of the money and paperwork

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 2022-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I submitted a student loan forgiveness request to the Federal Student Loan Service on XX/XX/XXXX ; a copy of the application was sent be certified mail. and arrived about a week later. Both have been confirmed as received. They are not separate applications, but two copies of the XX/XX/XXXX application. The application guidelines state that the service provider may take up to 120 days to process. It has been more than 120 at this time. When I called to request a status, employee # XXXX of Federal Loan Service stated that they are overwhelmed with applications, the 120 days service response was no longer valid, and he could not confirm ( despite my early submittal of application in XX/XX/XXXX ) if they would be able to process the application by close of the program in XX/XX/XXXX. I asked if he could confirm that I would still be eligible, if their staffing issues prevented my application being processed by XXXX, and he would not commit to my application remaining eligible despite their staff issues. So ... what this appears to be saying is that, despite my being eligible for the TEPSLF program, I could lose my eligibility if the service provider fails to respond in a timely manner ( something over which I have no control ). Can you confirm his statement is correct and, if it is, whether a policy can be put in place that eligible applicants who submitted in a timely manner will retain eligibility regardless of how long it takes for the service provider to process the application and even if it exceeds the XX/XX/XXXX program closure?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
As of today, Thursday, XX/XX/2022 at XXXX, I called XXXXpital One Bank to dispute a certain transaction that caused my account to go into overdraft. I was told by the agent that his manager said there is nothing they can do but I just need to pay the negative balance. The way I set my account up from the very beginning was I opted out of Overdraft Protection in other words, I didn't want the bank to pay for any transaction if there is no money to cover the transaction. I have proof of this. I also set up text messaging to alert me when there is a transaction that shows how much the transaction was, what store, the amount now available in the account after the transaction and the date and time. On Tuesday, XX/XX/2022, I made an in store purchase at XXXX in the amount of {$50.00}, I have proof of this thru my text messages from Capital XXXX itself. It showed I had {$81.00} left in my account after this transaction. I made 2 more transactions after this date. So on Monday, XX/XX/2022, I receive notification that my account is in the negative of {$41.00}. But also on this same day, another company who is on autopay tries to get their payment and it rejects because of insufficient funds .Long story short, I had my account in Auto Decline. No transactions should have never went thru and leave me owing back to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: MD

Complaint narrative:
Due to late markers reporting on an account through XXXX XXXX XXXX, which consequently is reported as a conventional mortgage on my credit profiles, I had enlisted the assistance of outside help to try and correct this matter. On XX/XX/2021, I had submitted a dispute to XXXX directly referencing account number XXXX ( attached ). Additionally, after not hearing back, I had submitted an electronic dispute with XXXX and Equifax directly on XX/XX/2021. Following the 30 days allotted for the dispute to finalize and not receiving any responses as to the status of my disputes and by this account still reflecting as being disputed through the bureaus, I had sent a second request to XXXX and informed them that I would be unable to make my upcoming payments due to them attempting to collect on a debt that I had disputed through both the XXXX directly as well as through the credit bureaus. I had asked that these accounts be placed on hold until being provided with the information requested. There had also been a second request mailed directly to XXXX on XX/XX/2021. After still not being provided with the documentation requested and still no responses from the bureaus, a second dispute to reinvestigate was filed electronically on XX/XX/2021. Again, I hadnt heard back from the disputes filed and the request to postpone my payments had been ignored causing a XXXX and XXXX late marker to be reported as late conventional loan mortgage payments. Again, on XX/XX/2021, and XX/XX/2021, I had sent additional requests to XXXX directly and again was never provided with the information requested. I had cancelled the service through the company I hired and studied my rights under the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: MD

Complaint narrative:
Due to late markers reporting on an account through XXXX XXXX XXXX, which consequently is reported as a conventional mortgage on my credit profiles, I had enlisted the assistance of outside help to try and correct this matter. On XX/XX/2021, I had submitted a dispute to XXXX directly referencing account number XXXX ( attached ). Additionally, after not hearing back, I had submitted an electronic dispute with Experian and XXXX directly on XX/XX/2021. Following the 30 days allotted for the dispute to finalize and not receiving any responses as to the status of my disputes and by this account still reflecting as being disputed through the bureaus, I had sent a second request to XXXX and informed them that I would be unable to make my upcoming payments due to them attempting to collect on a debt that I had disputed through both the XXXX directly as well as through the credit bureaus. I had asked that these accounts be placed on hold until being provided with the information requested. There had also been a second request mailed directly to XXXX on XX/XX/2021. After still not being provided with the documentation requested and still no responses from the bureaus, a second dispute to reinvestigate was filed electronically on XX/XX/2021. Again, I hadnt heard back from the disputes filed and the request to postpone my payments had been ignored causing a XXXX and XXXX late marker to be reported as late conventional loan mortgage payments. Again, on XX/XX/2021, and XX/XX/2021, I had sent additional requests to XXXX directly and again was never provided with the information requested. I had cancelled the service through the company I hired and studied my rights under the FCRA and the FDCPA.

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 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc.
State: MN

Complaint narrative:
Accusation against, Pulte Homes of Minnesota, LLC : deceptive predatory lending practices, deceptive trade practices, fraudulent misrepresentation, by engaging in high sales pressure to sign an unconscionable contract ; i.e., the purchase agreement, stating that without signing immediately the seller would offer to another buyer, thus not allowing the potential buyer adequate time to review the purchase agreement. Additionally, the sales consult ( XXXX XXXX ) pre-qualified the potential buyer based on 3.25 % interest rate, and lower principal price than expected at closing ; therefore, deflating the expected value of the townhouse ; inducing the buyer to commit to signing the purchase agreement. Furthermore, Pulte Mortgage ordered a conditional loan approval based on falsifying the potential buyer credit-debt-ratio ; e.g., XXXX XXXX  denied potential buyer financing based on credit-to-debt ratio ( student loans ) ; on XX/XX/2020. The conditional loan approval with Pulte Mortgage expired XX/XX/2020 ; Pulte Mortgage did not contact potential buyer. The potential buyer contacted Pulte Mortgage XX/XX/2020, and was informed about an increase in interest rates. Seeking a new lender ; aforementioned XXXX XXXX, by which, potential buyer was denied financing based on credit-to-debt ratio ( student loans ). The potential buyer contacted XXXX XXXX, XXXX XXXX, and XXXX XXXX ; via email ; stating the inability to perform the obligations of the purchase agreement, and asked for the return of deposits totaling {$25000.00}. XXXX XXXX offered to process cancellation through XXXX XXXX, but inferred the inability to return deposit money. Pulte then proceeded by offering approval from their lender, without consent or signature from buyer, and emailing a closing date. Buyer replied XX/XX/2020, and XX/XX/2020, restating the inability to perform the obligations in the purchase agreement, and asking for the deposit of {$25000.00}. As of XX/XX/2020, no response has occurred from Pulte Homes of Minnesota , LLC ( XXXX XXXX, XXXX XXXX, XXXX 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 2022-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Requesting assistance in recouping {$4100.00} that was erroneously withdrawn ( stolen ) via our escrow account on XX/XX/2022. We have exhausted every personal effort to resolve this matter beginning XX/XX/XXXX to current with Mr. Cooper ( mortgage company, but are not getting anywhere. 

My wife and I are both military service members, and we were fortunate to purchase a new home last XXXX from XXXX Homes using her VA Loan. At closing we opted to impound a little over $ XXXX into our escrow account that was serviced initially through XXXX Mortgage ( See attached Escrow Closing Doc ). 30 days following closing our account was sold from XXXX Mortgage to a mortgage company that goes by the name of Mr. Cooper. 

On XX/XX/2022 they removed {$4100.00} from our escrow without authorization and/or notification. They have been unable to provide cause for removal or tracking regarding where the funds were placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
Entered a XXXX sweepstakes and this scammer got me good took {$2600.00} from me now chime wont even respond to me!!! Every time I call they say for me to email this and email that nobody ever responses. My dispute was also denied!!!! Help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
The current servicer, Fay Servicing, is claiming interest owed going back to XXXX. I did not receive any mortgage statements from XXXX until XXXX. XXXX XXXX claims to have purchased my loan in XX/XX/XXXX. I never received notice of this transfer in ownership. The previous creditor ( unknown ) did not issue monthly mortgage statements and therefore does not have the right to collect interest during this time period. 

Fay is violating the FDCPA by attempting to collect on a debt where the statute of limitations has expired and by attempting to collect on interest that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive been trying since the covid pandemic began to get Bank of America to refund the fraudulant withdrawals to my CA edd prepaid debit card in the amount of {$700.00} on XX/XX/19. 
Was assisted by journalists in touch with consumer in similar situations and things were looking promising for the bank to come clean and make the refund. I even got a refund letter saying a refund was being made and they considered the case closed. When no refund was issued I contacted them and apparently because of rampant fraud they had closed my original account and opened a new one, but since the system could not refund into the closed account, I still have had no access to or received the refund that was promised.

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 2022-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 ; also states a consumer reporting agency can not furnish an 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
Consumer complaint received 2022-06-02 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: NJ

Complaint narrative:
My complaint because my credit score never been updated on a timely manner My payment history is great however my credit score stop at XXXX score rating as per XXXX score rating which is used by Banks, I want my score to be updated and reflect my Payment history, my score is frozen on XXXX score rating and when Mortgage companies run it it shows XXXX, I'm very confused because my score never been updated for the last 7 months XXXX, XXXX and Transunion never updated my credit score on a timely manner

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 2022-06-02 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: NJ

Complaint narrative:
My complaint because my credit score never been updated on a timely manner My payment history is great however my credit score stop at XXXX score rating as per XXXX  score rating which is used by Banks, I want my score to be updated and reflect my Payment history, my score is frozen on XXXX score rating and when Mortgage companies run it it shows XXXX, I'm very confused because my score never been updated for the last XXXX months XXXX, Equifax and XXXX never updated my credit score on a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rainier Financial Group, LLC
State: UT

Complaint narrative:
Without a written notice or a judgement, 1st choice money center contacted my employer to engage in wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I recieved a 1099-G saying that I needed to pay taxes on {$6000.00} ( unemployment money ). However, I never recieved this money. Bank of America realized there had been some fruad on my account and therefore they began to dispute the charges. All the charges have been disputed and I have been credited for the amount. However, Bank of America does not work in conjunction with the state of Nevada 's unempoyment anymore. They said they need to mail out a check because they can not issue me a debit card for the reason in the last sentence. I requested the first check ( {$2500.00} ) on XX/XX/22 and the check never arrived. We went ahead and cancelled the first check on XX/XX/22. On XX/XX/22 I requested a new check to be sent out again. This check never arrived either and we cancelled this check. We then sent another request for the check to be sent out again but to my parents address. This check request was submitted on XX/XX/22 and it still has not arrived!! I called on XX/XX/22 and they informed me that the rest of the {$6000.00} has been disputed and asked where I wanted this check ( {$3500.00} ) to be sent to and I replied to my parents home ( XXXX XXXX XXXX, XXXX, NY, XXXX ). They mention that the check could take up to 45 days to arrive so I nderstnad that the second check may not have arrived because it is still in that window. However, the check for {$2500.00} should have been mailed to me back in XXXX! I have made 3 attempts to get the money in which I paid taxes and all 3 times I have failed to recieve anything. 

XXXX, I can be contacted here if you need anything more.

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 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I signed up for a XXXX XXXX with Barclays Bank, using my existing XXXX frequent flier number. The bank offered a bonus of XXXX miles after spending at least {$2000.00} within 90 days. I met that requirement in less than 60 days, and paid my balance in full. After waiting for the miles to be posted to my account, I contacted the bank, and was informed that the miles had been posted. I then noticed that the bank had an incorrect XXXX frequent flier account on my credit card. I again contacted the bank to inform them that they had the wrong number. After SEVERAL phone calls, I was told that the bank had created a new frequent flier account with the airline, and hadn't bothered to tell me about it, or supply me with a password to access the account. The bank refused to correct its mistake, and I had to contact XXXX XXXX several time to gain access to this new account. Once I finally gained access, I saw that my XXXX miles had not been posted to the account. When I contacted the bank AGAIN, I was told that I was wrong, and that the miles had been deposited. I'm getting nowhere with Barclay 's Bank. I've spent more than 6 hours trying to resolve this issue, but the bank acts with impunity. Please revoke its ability to operate in the XXXX 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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Choice Recovery, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX!!! I hired this company because I'm a XXXX veteran. This company failed to render services for over a year after I paid them up front. I was told to sign a contract that would only last a year upon signing said contract NOTHING was done in regards to consulting or helping me with my VA claim. I didn't hear back from them for over a year and a half and then I was told that I owe roughly around or over {$5000.00}. 

After a year of waiting with no assistance by this organization, I gathered all the necessary documents on my own in order to continue with my case by myself I was then awarded After that I was then getting harassed by email and phone for about 4 months after that I noticed that I went to collections for a service that was not rendered. 

This company is a scam and not only did they NOT provide any type of service to me... but they then SCAMMED me and tried to claim that I had received full XXXX status because of their efforts when in fact they DID NOT assist me even once in this process.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation