vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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: Synovus Bank
State: CA

Complaint narrative:
My First Progress card was stolen. I reported it to the company and asked them to prevent reverse the fraudulent charges on the account and prevent further fraudulent charges. From what I can tell, they issued a second credit card and allowed fraudulent charges on that and kept two accounts running then failed to post payments to either account. Because of this, I was assessed a late fee and now have a balance of {$520.00}. 

I would like the company to cooperate in an identity theft investigation by closing the account and providing copies of all charges on the account with the transaction type and identity verification used. This request has been made to the company pursuant to California XXXX XXXX which requires parties to cooperate or be subject to a fine of {$100.00} per day paid directly to the injured party ( California XXXX XXXX XXXX XXXX ( XXXX ) " ( XXXX ) In addition to any other civil remedy available, the victim may bring a civil action against the entity for damages, injunctive relief or other equitable relief, and a penalty of XXXX XXXX dollars ( {$100.00} ) per day of noncompliance, plus reasonable attorneys ' fees. '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: NE

Complaint narrative:
ERC has repeatedly called me about collecting a debt. I asked if this is my debt, they said no, but the debtor belongs to my number? They just dont stop calling. This is not me or my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I opened a use auto loan account with Navy Federal Credit Union in Georgia. I was sent paperwork via US mail from the loan officer. Everything was highlighted where my signature was needed. Approximately 3 months later I received a letter from Navy Federal stating that my savings account was debit {$15.00} for XXXX fees. I called Navy Federal on XX/XX/22 at XXXX XXXX  XXXX and spoke with a Representative that was trying to refund my account {$15.00} and was not able to do so. The Rep asked to place me on hold to see how he could refund my account. Before, offering me a refund the Rep did not see any paperwork that I signed giving NFCU the right to debit my account. Once the Rep placed me on hold he came back stating that he spoke with his Supervisor and could not issue a refund. I asked to speak to the supervisor. XXXX ( supervisor ) can on the line and proceed to explain what a title change mean etc. I interrupted XXXX and informed her that I am aware of what a title change means. XXXX was HORRIBLE and did not try to solve my issue. I spoke with XXXX around XXXX XXXX. XXXX was awful. I want to file a complaint against Navy Federal. I did not give Navy Federal permission to debit my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: ID

Complaint narrative:
I have had my Mortgage with XXXX XXXX for over 74 months on auto pay. never a 30 day late payment. I watch my credit like a hawk. XXXX bought mortgage in XXXX I believe and I received emails that went straight to spam folder ( I found this out after calling in to find out what was going on ) when I called to figure out what was going on I was advised of the buy out and I requested a XXXX XXXX XXXX arrangement, this was in XXXX. I filled out all paperwork and sent it back and there was still something still wrong so it could not get set up, I continued trying to get it worked out. I got a call from them in XXXX asking about payment. I was absolutely surprised because they said i was 30 days late. I paid it on the phone right away and tried to figure out how I was late. In XXXX it hit my credit. drop my score XXXX overnight with zero explanation. It took me 4 phone calls to finally get someone to tell me it was XXXX, not XXXX like the other 3 told me. Anyways after much confusion and long phone calls I figured it out and it was a miscommunication on XXXX 's part and on my part for not digging into the junk emails I suppose. I have worked very hard on my credit. I spoke and emailed Mr. Cooper about maybe showing me some grace with this situation ... Got a FLAT HARD NO over the phone As they see it I had only been a debtor with them for a few months and now I am late and zero response to the 3 emails I have sent to XXXX. 
The transfer dates and onboarding grace period were confusing and I felt misled by deceptive and uniformed customer service agents when I called in from the anxiety of having no clear to make the call to resolve my account nor MY anxiety of a negative impact to MY account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: AR

Complaint narrative:
I am filing a complaint XXXX XXXX for operating a payday loan service in the XXXX of Arkansas and charging customers interest rates beyond the allowed limits in the state of Arkansas of 17 %. Also, under Arkansas XXXX payday lenders are prohibited from providing loans to customers in Arkansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: FL

Complaint narrative:
On XX/XX/XXXX I was in communication with Prestige Financial via text message. I asked what was due and was given an amount of XXXX and was told the interest amount was XXXX. I asked if I made a payment of XXXX when would I be due again, the rep stated this amount would take care of XXXX, XXXX, and XXXX 's installment, which would get me current and back due on XX/XX/XXXX. I made the payment and followed up with the associate who told me I was all good and my payment was processed correctly. Today XX/XX/XXXX I get a text telling me my account is past due and I have to make a payment, reached out to the company via text saying this must be a mistake because I was assured that I would be good until XX/XX/XXXX. Then I was basically bullied and said either I can pay XXXX or my account will continue to show past due. I've asked for them to review the text messages and explain to me why this wasn't explained, and they told me I should've known that they were giving me a discount. But like I explained to them I didn't ask for a discount. I asked what was due and when would I be due again. The company refuses to acknowledge their wrong doings and basically is telling me I have to XXXX it up and pay more money because their the finance company and my car could be repoed and or credit impacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
A payment of {$4100.00} was sent to the payment processing center in XXXX NJ it is Showing received & cashed. The XXXX Assistance XXXX XXXX id trying to track down these payments because XXXX refuses to contact their payment center to see why these payments arent applied to my account or sent to the new servicer This Check was sent back in XX/XX/2022 its now going on XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following information that appears on my TransUnion consumer report. These address are incorrect and are not associated to me in any way. I would like TransUnion to delete the following address off of my report immediately.

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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
My loan was transferred to XXXX XX/XX/2019 from XXXX. A letter was sent to us that denied our request to drop PMI. 
The principal balance was about {$200000.00}. Our house sales price was {$420000.00}. 
According to the loan to value we meet the guidelines to drop PMI by XXXX XXXX. 
Why did they continue to charge us? WE are way below the 80 %. 
The company has been charging us {$63.00} a month for no reason. 
I have called, but no response from the PMI department. The customer service rep says they do not take calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Received a collection notice in the mail today without ever being contact about the debt at all. We continue to use the pharmacy and no one has brought the issue up or even a phone to resolve this. They are charging me {$50.00} for XXXX and XXXX, i have paid the debt but want the collection notice removed from the credit agencies

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 2022-12-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
A hotel that I stayed at made an unauthorized transaction on my XXXX  XXXX XXXX XXXX XXXX. The hotel was supposed to charge my stay to my XXXX which was given to the receptionist upon check-in. I asked the hotel to correct the error and they claimed that they did. They did not. I had to dispute the transaction on my XXXX  card due to the unauthorized transaction made by the hotel ; the unauthorized transaction maxed out my credit card limit. I made the dispute on XX/XX/XXXX. After disputing the transaction, XXXX gave me a case number ( XXXX ) and said " We are issuing a provisinal credit to your account in the amount of {$740.00} that will post to your account within 24-72 hours. This credit is considered temporary while we investigate your dispute, ... '' However, XXXX did not supply that credit until XX/XX/2022. I had to call and argue with the account specialist because the delay of XXXX supplying the provisional credit has decreased my credit score by XXXX points. It also seems as though the hotel charged my XXXX  card twice because it made my account- {$2600.00}. I was told I'd received a new card within 5-10 business days. It is XX/XX/XXXX and I still have not received it. I was told that it shipped out on XX/XX/2022. I inquired to XXXX how is my account- {$2600.00} when I don't have the card to spend anything. I was told that they applied the credit to the deactivated card and not the new card. It still did not explain the - {$2600.00}. Upon multiple phone calls with XXXX to resolve this, I received one provisional credit of {$740.00} on XX/XX/2022 but my account still says - {$550.00}. Prior to the hotel making an unauthorized transaction, I was still within my credit limit. I wasn't near maxing out my card. It seems the hotel made 2 unauthorized transactions that maxed out my credit card and decreased my score by XXXX points. The credit company delayed in providing that provisional credit and kept telling me " we have to wait until the investigation is done to give you a credit. '' I told them " your email said you'd provide a provisional credit until the investigation is done '' I cited the email they sent me that said that. I called XXXX on XX/XX/2022 to ask why my account still said - {$550.00} after the provisional credit was provided 11 days after I initiated the dispute. They could not give me an answer and refused to give me another provisional credit to make up for the hotel charging my card a second time. This has affected me financially, emotionally and mentally. I'm trying to get student loans for school with a fair APR rate. This whole situation has affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On Sunday XX/XX/10 I tried to watch a movie on XXXX XXXX XXXX. A page loaded on my TV with a code to enter and a Q code on the other half of the page it said For Support Call XXXX. I called this number. It was answered by a man sayin XXXX XXXX XXXX. He then told me my account was in review because of suspicious activity in TX and OH. He then had me open the app XXXX XXXX which allowed him to see into my XXXX. I was on my XXXX the entire time of the call. He had me install : XXXX, XXXX, XXXX. I already had XXXX. He instructed me to send money to various fictitious people. When I questioned him he said the money would be right back into my account. Most of the time these transactions were denied. Some did go through. XXXX has re=credited me the {$400.00} that was taken out. My credit card also re-credited the money. 

I called my bank USAA as soon as I realized it was a scam. USAA closed my checking account and my two savings accounts. They are frozen and I have no money. USAA said they would not mail me a check for the amount in my accounts when the fraud investigation was complete. They said that could take up to XXXX days. I told USAA that I understood keeping the money in the checking account, but did not understand why they couldn't send me the money in my XXXX savings accounts which is about {$15000.00}. 

USAA has refused to do this. I called the office of the CEO and my case number is XXXX. I do not feel that USAA has the right to hold the money in the savings accounts. I have looked at the agreement that I signed when opening the account and there is nothing in there that says anything about holding my money for up to XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
Our loan servicer Plaza Mortgage transferred our loan on XX/XX/21. At the time they are stating that our escrow balance was {$11000.00}. The new loan servicer XXXX Mortgage stated that they only received {$3000.00} from Plaza in our escrow account. There is a {$8600.00} difference between what one company is stating they received and what one company is stating they sent. I contacted the county and neither company made our XXXX tax payment nor any other payment. I have called both companies for proof of what was sent... cancelled check or proof of wire. And I asked the same thing from the receiving loan servicer. 12 weeks later I have not been able to get this resolved from either company. In the meantime, I am required to pay an addtl. {$800.00} per month due to an " escrow shortage '' in my account. I have called both loan servicer 's several times within the last 12 weeks as well as mailing each of them a certified letter. I am out currently out approx. {$9000.00} and unable to get this issue corrected. I am not sure why I have to keep ping-ponging back & forth between Plaza Mortgage & XXXX Mortgage. Why don't these 2 companies get on the phone with each other, see where the ball was dropped and make me whole again? This is issue is NOT getting resolved. I do not understand that approx. {$9000.00} is missing from escrow account and neither company is held accountable. Isn't this grand larceny?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
i canceled my car insurance with travelers on the correct dates as asked. they tried to send a bill me for {$390.00} saying i was still covered and insisted i owed this amount, when i cancelled in a timely manner as asked. i told them i had proof i canceled. I gave travelers a call and they said they would remove this debt as i showed proper documentation of my cancelation. I was sent a check in the mail to be reimbursed now i am receiving mail again XXXX saying i owe {$140.00}. i am not able to pay this and this is not accurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My husband was traveling for work out of state. He went to a walk-up gas station in XXXX XXXX XXXX New York and XXXX a pack of cigarettes. I saw an unusually large transaction for {$1300.00} dollars come from our account and called him to question the transaction. He said he bought a pack of cigarettes, and it was {$13.00}. We figured out that the clerk entered the wrong amount. My husband went back to the store and the clerk told him that he could not help him and that he would have to file a dispute with the bank. We filed a complaint with Wells Fargo in XXXX, and they credited our account for XXXX and started investigation. They sent us a letter XX/XX/XXXX and stated they concluded their research and denied our claim, they stated they will be taking the money out of our account on XX/XX/XXXX. I called to reopen the claim and they will not assist us or work with us on the XXXX that they will debit out of our account. I have had to fight disputes with other companies and was never told I could not reopen a claim. I feel helpless and I feel that Wells Fargo has done nothing to advocate for their customer. They did say they would send me " documents '' that concluded their investigation, but I will most likely not receive them for another 30 days. I feel absolutely helpless, and I am being put in an awful situation. I know I am just a number to them, but I hope to advocate for future consumers. I do not have funds to hire legal services and I do not know what to do. I am extremely hesitant to use a debit card ever again.

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 2022-12-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am one of the auto loan consumers effected by recent Wells Fargo settlement. I put purchased my vehicle late 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 2022-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
- FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, 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, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: PA

Complaint narrative:
For 6 months keeping reporting a balance on both credit cards. I have a negative balance on both cards and they still keep reporting as accurate.

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