vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ARVEST BANK GROUP, INC.
State: IL

Complaint narrative:
In XXXX we financed 4 trailers through ARVEST EQUIPMENT FINANCE. 

In XX/XX/XXXX we sold 2 out of 4 trailers. ARVEST provided the Authorization for Payoff, and received funds to close the account for two trailers. 

In XX/XX/XXXX we've been notified by the purchaser of the 2 trailers that they've never received the titles. 

We contacted ARVEST and found out that ARVEST has never closed the loan for the 2 trailers sold, and kept on charging us same monthly amount ( as for 4 trailers ).

When we requested clarification, ARVEST explained that they were not informed that we wanted to close the loan for 2 trailers, and instead, ARVEST applied the funds to the principal balance on the loan. This is not the way the agreement was. 

Finally, after pointing to their mistake, ARVEST sent a revised fee schedule, in XX/XX/XXXX. However, Arvest never refunded the overcharges that were placed on our account since XX/XX/XXXX. 

To all my multiple requests, ARVEST is replying with conditional actions : " we will release the funds after we receive a copy of the title '', " we will release the funds after we receive a copy of the insurance '', " we will release the funds after we receive the coverages from XXXX to XXXX '' and so on... That's not how it has to be. Our overcharges has to be release right away. And if they have other requests, then we can address those.

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 2023-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent several certified letters to Experian credit bureau on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to remove addresses and accounts that aren't mine and are errors. They have failed to provide me with necessary documentation verifying the accounts. They havent send me a MAILED COPY of my credit report even though i have request a copy in each letter. The last certified letter i sent they sent me a email stating they didn't receive the necessary documentation to complete my investigation. I know for a fact that all the information needed was sent! they have been giving me a difficult time and it has mentally stressed me out! I need these things to be removed! i have given them all the information they need and they have contentiously disregarded looking into my claims.

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 2023-04-03 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: Block, Inc.
State: GA

Complaint narrative:
I file a complaint with cash app about a withdrawal of {$95.00} that occur on XX/XX/2023 at XXXX XXXX  while I was at work and I reached out to the ATM owner by the phone number thats listed on the ATM which is XXXX XXXX. and was advised if I was trying to file a complaint against a withdrawal I had to reached out to my financial institution which I have done to get my money refund and cash app keep denying my dispute the same back when I file a dispute for {$360.00} I never got my money refunded so this becoming to be a repeated pattern with cash app on not protected consumers money with disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Greetings to whom it may concern, In accordance with the fair credit reporting act Experian, XXXX, XXXX, has violated my rights. The most recent contact with them on XX/XX/2022 and previously on various other dates, this contact was a request to update the contact information on my account to remove all inaccuracies with my personal profile such as incorrect spellings of names, date of births, unrelated address, and employers. Please see attached previous letter. In addition they have failed to respond to the most recent letter on XX/XX/XXXX, XXXX in accordance with the FCRA regulations. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance

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 2023-04-04 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: NC

Complaint narrative:
XXXX has yet to properly investigate and provide proof that these accounts are correct and valid as mine. They have not provided any contract signed by me stating my ownership of these accounts. I request that they are removed immediately and I will not stop until they are removed. 
XXXX XXXX Chargeoff XXXX balance XXXX XXXX Chargeoff XXXX balance XXXX- Chargeoff {$370.00} balance. I have never done business with this company. 
XXXX XXXX Chargeoff- {$350.00} balance. I have never done busienss with this company XXXX Chargeoff- XXXX balance {$2100.00}. balance has changed so many times. Which one is it? Verify or remove this from my report XXXX XXXX {$2600.00} balance. Never had an account with XXXX. Please remove this XXXX and XXXX. {$300.00} collection. I have never done business with XXXX. Please provide a contract signed by me or remove this from my report.

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 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
XX/XX/XXXX a cashiers check was deposited into my account. It was returned with a letter from my bank, refer to maker please contact the person who gave you this check for more information. The check was issued to me from CHARTER ONE BANK, in the amount of {$3500.00}, dated XX/XX/XXXX. ( I closed out an account I had there ) XX/XX/XXXX I contacted unclaimed property, Michigan.gov. Spoke with XXXX ( XXXX ) who said nothing was listed for CHARTER ONE. Called Charter One, which is now, XXXX XXXX. I spoke with XXXX XXXX XXXX ) in the garnishment dept. XXXX and was told it would be looked into and they would get b @ ck to me. 
I called back and sent documentation of the check, to no availemailed etc., no response. 
XX/XX/XXXX spoke with XXXX in garnishment dept., sent all copies of check by email, XXXX XXXX XXXX, she confirmed receipt. Sent another email to XXXX on XX/XX/XXXX requesting info I needed to start a claim, no response. 
XX/XX/XXXX called XXXX, she said it should be turned over to customer resolution. 

Called XXXX XXXX in XXXX, Michigan, spoke with XXXX, she said I need Legal Council from Citizens B @ nk, corporate headquarters in XXXX, XXXX XXXX, XXXX, XXXX XXXX. 
Checked Escruated Property Reclamation in Rhode Island. NOTHING found. Looked under XXXX XXXX, nothing found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to resolve this with TRANSUNION, their website will not allow me to upload supporting documentation. They will not allow me to email them this documentation. I do not have transportation to get to the mail or print this documentation. I am a victim of identity theft. They continue to repot damaging information which is a result of fraud although I have identified that the accounts were opened fraudulently. I have received notification from ProCollect that they have closed the account after I sent them supporting documentation of the fraud, however, TRANSUNION continues to report it. 

There are 2 fraudulent accounts on my credit report ProCollect XXXX XXXX XXXX {$720.00} 15 US Code 1681c-2 states " a consumer reporting agency shall block the information in the file that THE CONSUMER identifies as information that resulted from an alleged identity theft, not later than 4 business days '' I have called multiple times and have sent in documentation of the identity theft several times since XXXX od 2022.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
on XX/XX/ I was served with a charge from Citizens Pay for an XXXX XXXX XXXX Purchased at XXXX XXXX for a charge of {$1200.00}. It is now negatively affecting my credit report and I am hoping to have this record expunged. 
I have contacted citiens one and filed a complaint with XXXX Citiens One claims the account is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: EQUIFAX, INC.
State: AK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NY

Complaint narrative:
i have sent several letters over the past 2 years to have information deleted form my report with all three credit agencies -- - -- XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections -- -XXXX XXXX XXXX  -- - no data reported for year XXXX, then XXXX account in collections account are listed as closed -- - but have negative impact on score -ACCOUNTS NEED TO BE REMOVED DELETED IMMEDATELY HARD INQQUIEERES THAT I DID NOT APPROVE OR REQUEST

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 2023-04-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
i have sent several letters over the past 2 years to have information deleted form my report with all three credit agencies -- - -- XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections -- -XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections account are listed as closed -- - but have negative impact on score -ACCOUNTS NEED TO BE REMOVED DELETED IMMEDATELY HARD INQQUIEERES THAT I DID NOT APPROVE OR REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AZ

Complaint narrative:
At the end of XXXX, I had a few mortgage payments to Primary Residential Mortgage that would overdraft my checking account when my autopay would go through on the XXXX of the month. I never realized this was an issue, I would make a new payment a couple days later when I had funds ; I never had a late payment in the history of my account ( payment past the XXXX of the month ). 

I received a letter that said if my payment doesn't go through again, they will restrict my account to certified funds. Unfortunately, the day I got this letter, they billed my checking and it happened to overdraft. Now I was forced to pay by mail via certified funds. They never called me or left a voice mail regarding this issue. 

In XXXX I used the billpay option with my bank to make the payment to the mortgage company. It was sent by XXXX through my bank, which should definitely be certified. They did accept this payment, which was great. Then, in XXXX, I did the same thing and the payment went through. However, they then sent the payment back to me saying I need to pay by certified funds, they also added a late charge to my account even though they denied my on time valid payment. I don't believe its legal to accept a payment in XXXX by this method and then deny it the next month. These are valid payments certified through my bank. 

I sent them a money order through the mail for XXXX. Then, in XXXX I did the same thing. I sent them a money order through the mail via USPS. These checks were never cashed. Weeks later I called them, should've been XX/XX/XXXX or XXXX. They said they didn't have them, I asked what to do and if I should go get refunds for the checks. The representative told me no, and I should check back later with them to see if they were able to process it. She told me not to worry about my account being ready to default on XX/XX/XXXX because I called and we established the payment is just missing even though I sent it. 

This was a lie, they defaulted my account on XX/XX/XXXX. I just talked to them today on XX/XX/XXXX. They refuse to let me make online payments to bring my account up to date. They refuse to remove almost {$200.00} in various fees, and they refuse to reverse the default on my account which tanked my credit score. 

I have never had a late payment to anything in my life, including any mortgage company. This company is abusing its power, harming consumers for no reason, and potentially breaking laws with their arbitrary accepting of payments. They force me to send my payment by mail, then default my account because they never got it, even after I talked to them before the default date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have sent several letters over the past 2 years to have information deleted form my report with all three credit agencies -- - -- XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections -- -XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections account are listed as closed -- - but have negative impact on score -ACCOUNTS NEED TO BE REMOVED DELETED IMMEDATELY HARD INQQUIEERES THAT I DID NOT APPROVE OR REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This is not mines

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 2023-04-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraud accounts appearing on credit report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX Credit Bureau has been preventing me from filing online disputes for the past six months. I will go to this website, XXXX XXXX XXXX, and log in, just to not be able to file a dispute online and attach supporting documents to each collection account that doesn't belong to me. When I call their dispute department at XXXX, the customer service agents will not listen to me, nor type in the reasoning for my disputes that I'm forced to make over the phone, thus providing inaccurate information on my XXXX Credit file. My rights have been stripped from me from properly filing my own disputes correctly and accurately. And because of that, I have to call their dispute department, and the dispute is NEVER filed correctly sometime the customer service agent will lie and won't file the dispute that I requested at all. This has been going on for over six months and I want the XXXX Credit Bureau to be held accountable for their actions in denying me my rights to file an online dispute, purposely filing inaccurate information, and failing to file my requested disputes over the phone, per the Fair Credit Bureau Act. Please see the supporting attached documents showing that I have not been given access to file a dispute online, and I've called in several times complaining about my phone disputes not being filed correctly and some weren't filed at all but lied to about it. File # 's XXXX, XXXX, just to name a few.

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 2023-04-03 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX Credit Bureau has been preventing me from filing online disputes for the past six months. I will go to this website, XXXX XXXX XXXX, and log in, just to not be able to file a dispute online and attach supporting documents to each collection account that doesn't belong to me. When I call their dispute department at XXXX, the customer service agents will not listen to me, nor type in the reasoning for my disputes that I'm forced to make over the phone, thus providing inaccurate information on my XXXX Credit file. My rights have been stripped from me from properly filing my own disputes correctly and accurately. And because of that, I have to call their dispute department, and the dispute is NEVER filed correctly sometime the customer service agent will lie and won't file the dispute that I requested at all. This has been going on for over six months and I want the XXXX Credit Bureau to be held accountable for their actions in denying me my rights to file an online dispute, purposely filing inaccurate information, and failing to file my requested disputes over the phone, per the Fair Credit Bureau Act. Please see the supporting attached documents showing that I have not been given access to file a dispute online, and I've called in several times complaining about my phone disputes not being filed correctly and some weren't filed at all but lied to about it. File # 's XXXX, XXXX, just to name a few.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
According to AmeriHome Mortgage, an escrow payment was made to XXXX  XXXX XXXX XXXX ( XXXX ) in XX/XX/. In XX/XX/, I received a letter from XXXX that payment had not been made. I contacted the mortgage company, thay claimed payment had been made, to wait another week. Again, in early XXXX I received another letter from XXXX, this time stating that my insurance would be cancelled if payment was not received by XX/XX/. Again, I contacted AmeriHome. Same statement, to wait. I contacted both XXXX and AmeriHome, checking on status of the payment. XX/XX/XXXX  I received notification, that payment had been made. 
However, when I received my XXXX in XXXX, I noticed that AmeriHome had made two ( 2 ) insurance payments, thus, resulting in a negative escrow balance. I have tried to get this resolved, to no avail. They won't admit they made 2 payments and now they are going to raise my mortgage payment to cover the escrow shortfall. There sould n't be a shortfall, since they made 2 payments, and I ver authorized the second payment.

Company response to consumer: Closed with explanation