vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
On XX/XX/2022, I went on XXXX to purchase tickets for a concert. While I understand that it is recommended to go through certified ticket re-sellers, I proceeded to go this route because I had done it in the past from this group that I trusted. Regardless, I proceeded to message someone on the XXXX XXXX app for the tickets. The person then told me the cost and asked for me to Zelle or XXXX XXXX the funds ( {$250.00} ). I requested that the user send me the tickets first ( which he did ). Once I saw them in my email I did confirm that they were good I sent the money. The user then proceeded to ask me for another {$50.00} because his wife had paid {$300.00} for them and they would be losing money. After much back and forth I opted to eventually send the {$50.00}, but then I checked the tickets and there was a password lock on them. I then asked the user to please provide the password which they never did and they eventually blocked me after several further attempts. The user mentioned that they did not receive the I XXXX due to a bank network error and said they would send it back if it was a duplicate. They never did and took all of my money.I I contacted my bank " XXXX '' which did absolutely nothing to request any additional information. Zelle also did nothing except point me to my bank. I would like to file a complaint about this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
there are unaccounted balances made on my account due to fraudulent activity being conducted. in result this has hindered me from opening any bank account. i have never made any of these deposits nor owe any bank or financial institution any money.

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 2022-07-19 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: EdFinancial Services
State: IL

Complaint narrative:
I am in need of a a full declining balance payment history for my active loans. 
I have, over the course of 11 months now, been alternatingly told that it isn't possible and that is IS possible and will be in the mail in 30 days. I have never received this information. 

I have been told by other folks in the industry that " a full declining balance payment history '' is exactly verbatim what I should ask for, and that it does exist. This would be the full history since the loan ( s ) were disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
I filed a complaint with CFPB in XXXX of XXXX regarding my mortgage company, Freedom Mortgage, incorrectly submitting paperwork to the Veterans Affairs for a VA Partial Claim due to a forbearance. I had been attempting to resolve the mortgage forbearance for over a year, and reluctantly agreed to the VA Partial claim in XXXX XXXX of XXXX, and signed the Partial Claim agreement in XXXX of XXXX. I heard no more about it, and then in XXXX of XXXX I was informed by the Veterans Affairs that they denied the VA Partial Claim due to it being filed incorrectly by Freedom Mortgage, and that it could take as much as six months or more to resolve. At that point I requested for the Partial Claim to be stopped, as I wanted to pay the full amount of any deferred money owed directly to Freedom Mortgage so that I could move forward financially from this issue. After many attempts, messages and phone calls with the representatives from Freedom Mortgage, and the assistance from the Veterans Affairs, I finally filed my complaint with CFPB, and the issue was resolved, or so I thought. Freedom Mortgage finally accepted the deferred money owed on my mortgage directly from me, and my account was shown in good standing, as I requested, and as was agreed upon by Freedom Mortgage. I was no longer in a forbearance, and all financial obligations were paid and current. I have had no late or missed payments dating back to XXXX of XXXX when I was still in the forbearance plan. 
Now, as of XX/XX/XXXX when Freedom Mortgage reported my mortgage as having three missed payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing my account in default, and dropping my credit score over 80 points. I thought this was just an oversight, but after speaking with Freedom Mortgage representatives, it is clear it was intentional. I have called requesting to speak with a supervisor, never reaching one, and being told I would receive a call from one, ( to this date still no call from anyone ), and I have sent messages via the company website, with no response. My mortgage payments were made, received on time, and in the full amounts for all of the months they are reporting as missed payments. I am requesting these missed payments, and any other derogatory marks or issues be removed from all three credit buraus. On XX/XX/XXXX Freedom Mortgage did update my credit account status, stating my account is now current, but the missed payments are still showing on the account, and the impact on my credit score and credit rating is extremely detrimental Please remove this derogatory information from my accounts, and show my account in good standing with no missed payments, as previously agreed.

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 2022-07-19 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: MS

Complaint narrative:
In accordance with a fair credit reporting act [ XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX, CAPITAL ONE # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 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 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My account was frozen and closed by CitiBank. I was informed of this via email, and it happened immediately - I could not dispute it. I have an outstanding balance of {$1500.00} remaining in the account. I was told that I must wait for them to complete the full closure process and I will not receive my funds ( the {$1500.00} ) until 30-60 days, and that the funds will be sent via a check in the mail. I have attempted to contact CitiBank multiple times and have spent approximately 8 hours on hold or on the phone with agents. On the most recent call, today ( XX/XX/2022 ), the representative hung up on me after I expressed my concerns.

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 2022-07-19 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: OH

Complaint narrative:
I have been disputing a bankruptcy # XXXX on my Equifax CREDIT REPORT CASE # XXXX for the last 2 years every month, Equifax claimed to have verified this bankruptcy on XX/XX/2022 by XXXX and claimed this bankruptcy was reported by XXXX on XX/XX/2022, how is this possible, XXXX informed me that I do not have any bankruptcies on my PUBLIC FILE, XXXX also informed me that Equifax has not contacted the XXXX company about a bankruptcy on my public record file, so where did Equifax get this information of a bankruptcy that Equifax is shown on my credit report, they also didnt get it from the clerk of courts, Equifax has been caught in a lie about a investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XXXX I attempted to make my credit card payment online using the same information I have used before and I got an error payment not processed. Checked all info is the same complete and accurate. Asked me to call a number. I tried again today XX/XX/19 got the same message then I called the number listed. Then used the automated system to make payment but again I got a recording that payment can not be processed. When asking to speak to someone recording says they will charge me XXXX dollars to make a payment with a representative, which sounds abusive because I have been trying through the free options and its impossible. It is unfair to pay fees when I have been trying to pay and system is not working. Makes me feel they are trying for clients to get charged fees. Anyways even when I tried to talk to someone kept me waiting for XXXX for a live rep no response yet. Its been impossible to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I would like to file a complaint against Credit Collections Services. They used a scare tactic to pay a debt and the representative told me that once paid, she would send a letter to the credit bureaus to have removed from reports. It has been over a year and I have yet to hav it removed. I have tried contacting Credit Collection Services numerous times about this and have been told that I was not told by one of their reps that the account would be deleted.I filed a complaint with XXXX 2 weeks ago and they still have not responded to that complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: IL

Complaint narrative:
I received an escrow statement that showed my payment was going up XXXX per a month. I initiated my contact on XX/XX/XXXX with UWM and asked if my escrow shortage could be spread over 60 months to lower my payment My payment went up over XXXX percent, therefore, I am aware that the lender CAN spread the shortage up to 60 months, not 12 months as they did. 
The representative stated she would do so and in 3 business days I should have an answer along with an email that I was expecting Today is XX/XX/XXXX, I never received anything from the lender, so I call back again and speak with XXXX She told me that she sees this request, but the representative did NOTHING with my request besides notate my account Apparently this needs to be sent to the investor for approval I dont really believe this is true, I am now being told at least another 5 business days Nobody cares at customer services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
there are inquiries on my account and i have spoken to the bureaus and still nothing happens

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
The collection agency is attempting to collect funds for services that were not rendered. I have requested that there is proof and the agency ceased to communicate with me. I have made calls and they can not prove that the services were rendered. 

They are slandering my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and must continuously monitor my credit as there continues to be fraudulent accounts on my credit file. The fraudulent items are 2 XXXXXXXX accounts, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXXt and 2 XXXX XXXX accounts. These accounts were not authorized by me and are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
Hi I have transactXXXX prepaid card there a lot fraud activity on my card try to dispute it with transact they said I lost the case and will not refund or credit my catd

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 2022-07-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XXXX of 2022, I sent a dispute to XXXX, XXXX and Transunion credit reporting agencies. The results came back as verified as accurate. On XX/XX/2022, I sent a method of verification letter to all 3 reporting agencies requesting the description of the procedure used to determine the accuracy, name, address and telephone of each person contacted regarding the disputed account and a copy of any documents provided bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. I asked that that those items be sent to me within 15 days and as of today XX/XX/2022, I have not received any documentation. I have attached a copy of the letter sent to all 3 reporting agencies and a copies of the US postal service certified mail receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX ) ( account # XXXX ) ( account # XXXX ) ( account # XXXX Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2 States a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: PA

Complaint narrative:
I was scammed out of XXXX dollars. I was desperate for a job. I signed an acceptance letter from a company called XXXX XXXX. They sent me a check to cash for $ XXXX I sent XXXX to get office supplies before realizing it was a scam. Now the bank wants me to pay the money of the fake check they didn't realize was fake. How is this legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 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 — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner made a report to my credit report without notice to me first once again without allowing me to dispute the charge prior to it being reported to my credit report. This is not the first time they have done this, as there have been times before where they negatively reported to my credit without proper notice and then notified me afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I sent in a dispute for an account that I believe is inaccurate. XXXX XXXX # XXXX. after pulling my 3 bureau side by side credit report I can clearly see inaccuracies 1. date of last activity is accurate 2. date reported is incorrect 3. opened is incorrect 4. account description is incorrect 5.payment status is incorrect 6. last payment is incorrect 7. INCORRECT ADDRESS according to the fcra information as to be 100 % accurate.. why are u reporting different information than XXXX IF YOU'RE BOTH GETTING YOUR INFORMATION FROM THE SAME CREDITOR WHY IS IF DIFFERENT..IVE INCLUDED DOCUMENTS FROM THE ORIGINAL CREDITOR. CORRECT ADDRESS. CORRECT DATES

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 2022-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
On Saturday XXXX XXXX I initiated a wire transfer from my Citibank accelerate savings account for an amount of {$25000.00}. I was contacted by the fraud department that afternoon and answered many identity verification questions. I contacted Citibank again on Sunday XXXX XXXX at their request, answered more basic identify questions and was told the wire should be set in 24 hours. I contacted Citibank again Monday XXXX XXXX, answered more basic identity questions and was told I had to wait another 24 hours for my funds. I contact Citibank on Tuesday XXXX XXXX and transferred to multiple departments after holding more then 45 minutes. 

They made me call multiple phone numbers, talk to many different departments and created unreasonable obstacles to obtaining my funds despite me proving my identity on multiple occasions. At times the representatives were not even to identify who I was being transferred to. Overall I have spent a total of over 80 minutes on the phone or on hold with their fraud department.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY ....

15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES I DIDNT AUTHORIZE. 
______________________________XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XXXX Important dates Inquiry date _______________________________________TRANSUNION XXXX XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Bank ) XX/XX/XXXX XXXXXXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXTRANSUNION COLLECTION BELOW : XXXX XXXX XXXX Original XXXX : XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$320.00} XX/XX/XXXX XX/XX/XXXX, _______________________________________ Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount 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 non-monetary relief