vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CADENCE BANK
State: MS

Complaint narrative:
My issue is with Cadence Bank 's online system verification that includes being able to pay my credit card. I have changed my telephone number contact number on repeated occasions with Cadence Bank customer service representatives and in the online website account information and the telephone number continues to revert back to a telephone number that no longer applies to me. 
Due to not maintaining bank records, the fraud department was not able to reach me on one occasion and denied a transaction I was conducting and the online verification process can not be completed and I was not allowed to log-in. The process produced the incorrect telephone number and asked if I wanted to receive a text message or a telephone call to complete the verification process. Since the telephone number is no longer good for me and I can not access it, the online system could not complete their verification process. 
I contacted the bank through their contact us link on their website and both times I received a canned response that my email was received and that I would be contacted as soon as possible by a customer service representative. I did not receive any response from their Customer Service with the last request sent to them on XX/XX/XXXX. If they are trying to reach me at the number they have on file, it is incorrect. I have corrected it many times including in correspondence of a previous complaint about this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I reached out to Sallie Mae, requesting a forbearance. I informed them that I had gotten laid off from my job, that I applied for unemployment benefits and that my co-signer ( mom ) is retired and is on a fixed income. In response, the representative claimed that they would still like a payment from me despite all of these circumstances. The representative also suggested I look into an extra job like XXXX to make extra money to keep up with my Sallie Mae payments. I am very disappointed with the way this situation was handled. Sallie Mae has no forbearance system in place for those who have been laid off. At the moment, I have XXXX income and actively searching for work. It is very unfair that Sallie Mae still expects a payment from me and my co-signer based on our circumstances. Based on the Sallie Mae website, you qualify for forbearance if you happen to go back to school/college and yet if you were involuntarily laid off, you dont qualify? I find this very discriminatory that I cant qualify because I am not in school. I also find it unfair at the fact, they want to use part of my unemployment benefits ( which will be used to paying my rent, car insurance, car payment, electricity, water, wifi, etc. ) to determine how much I can still pay. There should be a system in place catered to those who are laid off from their jobs and offer forbearance options too. It doesnt make sense to take payments despite the borrowers circumstances. Its very cruel that they treat their customers like piggy banks instead of actual people. XXXX empathy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was scam and chase bank took my XXXX check was told not to worry close my account two months later my XXXX check was deposited in the account that was supposed to be closed and then they took it said that I owe them money on the scam I guess please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
Equifax keep posting incorrect details in my account for the past 1 year, i do not have any accounts in derogatory status in other bureaus but it still shows my account in derogatory, account with negative information is 6 but when i see each report there are none as all accounts are paid or closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Over the course of XXXX and XXXX, Wells Fargo repeatedly charged overdraft fees, which led me to close the account.

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 2023-05-10 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally continues to send statements requesting to make payment. XXXX checks have been sent to them to address this issue, twice. 
Ally Bank refuses to release title from car loan to The total amounts of car loan has been paid. 
Below you will see copies of statement from Ally Bank addressing this issues. 
Copies of checks send to Ally by 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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
my name is XXXX XXXX I live in XXXX Pennsylvania .us bank, Pennsylvania unemploymentt, so called friends of mine and so on ... ... .I do know this alot of money was taken from me and a lot of people got a lot of money from what they would call a meal ticket ( me ) from XXXX of XXXX to ongoing XXXX still nothing has been done about it and I still am not giving up I have all the proof in the world but yet no one wants to help me I'm not giving up!!! my cell number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
My fiance and I moved from the original creditor property on XX/XX/XXXX. We informed them prior to moving of our intent to do so and provided an address at which we could be contacted. We were not informed of any outstanding balance owed. On XX/XX/XXXX, my fiance and I moved into a different property owned by the creditor. Before we could move in, the manager at that property had to check our names for any unpaid balances with the creditor. Both of our names came up clear. On XX/XX/XXXX, a collections was reported to both my XXXX and XXXX credit reports from Sentry Recovery and Collections for {$1200.00}. The original creditor is XXXX XXXX XXXX with the original balance of {$960.00}. This debt was supposedly opened XX/XX/XXXX. XXXX XXXX states in their registration agreement that any person leaving with an outstanding balance will be consider a " non-eligible '' customer at all XXXX properties until the balance is current or a payment plan is arranged. The debt appears to be manufactured after the fact and false. We should not have been able to move in to the second property if this debt existed. To this date, we have not received anything in writing regarding this debt from either Sentry or XXXX. The balance is currently being reported on both my fiance 's and my credit reports as {$1200.00}. We are still able to receive mail at the address originally provided as it belongs to my mother. I've recently began receiving voicemails from someone saying they are from SRCI. The calls are sent to voicemail as my phone deemed the calls as likely scam calls. The phone number is always different and not the phone number listed for the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TX

Complaint narrative:
Yall are reporting 14 late payments from accounts that have been closed or paid off thats not fair those accounts are from identity theft issues and Im still paying for the prices someone else has to me its not far that third party can stalk my credit and yall report the stuff, by law it cant be done and shouldnt be done but yet yall has done so please take this of my credit please Im asking yall its been years Ive been reaching out to yall spending money that I dont have not fair please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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:
Yall are reporting 14 late payments from accounts that have been closed or paid off thats not fair those accounts are from identity theft issues and Im still paying for the prices someone else has to me its not far that third party can stalk my credit and yall report the stuff, by law it cant be done and shouldnt be done but yet yall has done so please take this of my credit please Im asking yall its been years Ive been reaching out to yall spending money that I dont have not fair please remove them

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 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: GA

Complaint narrative:
A Chime account has been opened in my name with my email address. On XX/XX/2023 I received the first email stating me by first name opened an account, then subsequent emails that a phone number was added which turns out to be a fake number. I called Chime upon receiving this information and they asked for further detailed personal information I would not provide. They stated unless i gave my information they could not assist me. On XX/XX/2023 I received notification that a Chime card has been sent to an address which is in fact an old address of mine. I again called chime and they kept asking for my personal information. They even went as far as changing the email address to stop me from getting emails but did not close the account. All of this activity is fraudulent activity, and the company needs to be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CO

Complaint narrative:
I have currently have collections of {$3900.00} originally from XXXX XXXX, XXXX XXXX XXXX. This is for outstanding rent that is owed for a business I sold in XX/XX/2020. I spoke with representatives from XXXX XXXX because I was charged rent during the pandemic restrictions ( XXXX XXXX XXXX Official Pandemic Declared XX/XX/2020 ) despite my lease agreement containing a Force Majeure clause which would have stopped rent being owed during the Pandemic restrictions. The clause reads as : 39.Any prevention, delay or stoppage due to strikes, lockouts, labor disputes, acts of God, inability to obtain labor or materials or reasonable substitutes, governmental restrictions, regulations, or controls, enemy or hostile government action, civil commotion, fire or other casualty, and other causes; or, any failure or defect in supply, quantity or character of gas electricity or water furnished to the Premises, by reason of any requirement, act or omission of the public utility or others furnishing the Project with gas, electricity or water, or for any other reason, whether similar or dissimilar to the above and beyond the reasonable control of the Party obligated to perform, shall excuse the performance by the Party for a period equal to that resulting from the prevention, delay or stoppage, except those obligations of Tenant to make payment for Rent and other charges pursuant to the terms of this lease. 

I owned a XXXX, and Pandemic restrictions for XXXX was lifted on XX/XX/2020. I continued to pay rent during these restrictions despite the above clause stating I would not have to. My monthly rent was {$3100.00}. Calculating the days I was mandated to cease operations, I paid {$10000.00} when I should not have. 

When I sold the XXXX  at the end of XX/XX/2020, despite my requests for my money back, I was told that they were still trying to " work it out '' with management to compensate me. However, they never did. They also required me to pay one more month of rent, despite new owners taking over the XXXX. This is why the current collections account is open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
In XX/XX/XXXX, I received a text message from Wakefield & Associates regarding a dental bill for services they claim that I received in XX/XX/XXXX. I called the number back and spoke with a representative who stated the call was being monitored and that it was for a dental bill from XXXX XXXX I informed the representative that I have never received services from XXXX XXXX, on XX/XX/XXXX nor or any other time. I told them I don't know of a dentist by this name. As of XX/XX/XXXX, Wakefield & Associates has now reported this account on my credit report. Upon my awareness, I call this company again and informed them that I have never received services from the dentist, and I did not have a dental visit in XX/XX/XXXX. The representative stated the account was in dispute from the last conversation I had with the representative at their office in XX/XX/XXXX. I repeated again, this is not my debt. I do not know the dentist. I did not visit this dentist in XX/XX/XXXX. I informed the representative that I deemed this as being harassment and deceptive as I have told them repeatedly that I don't know this dentist, have never been seen by this dentist and have never been a patient of this dentist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was charged {$12.00} fees every month for years

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 2023-05-10 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: FL

Complaint narrative:
XXXX keep posting incorrect details in my account for the past 1 year, i do not have any accounts in derogatory status in other bureaus but it still shows my account in derogatory, account with negative information is 6 but when i see each report there are none as all accounts are paid or closed

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 2023-05-10 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: FL

Complaint narrative:
XXXX keep posting incorrect details in my account for the past 1 year, i do not have any accounts in derogatory status in other bureaus but it still shows my account in derogatory, account with negative information is 6 but when i see each report there are none as all accounts are paid or closed

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 2023-05-10 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: NV

Complaint narrative:
I was XXXX  during the period of opened accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10 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: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
In XXXX of XXXX, I made my mortgage payment 29 days late. Payment is due on the XXXX  of the month, I paid it on the XXXX  of the month. Now, the lender is showing me as 30 days delinquent on my credit reports for my XX/XX/XXXX  payment status. 
The payment due was {$340.00}, and I made a payment of {$350.00}. 
The FCRA is clear on this matter : payments must be applied on the date received, not on the date posted. 
Therefore, the lender is in clear violation of the CFPB. 
I have disputed this issue with the lender previously. They refuse to update and remove the delinquent payment reporting. I have also disputed this with the credit bureaus, they say that they can not change the reporting unless the lender changes the status and updates them. 
NOTE : The lender at the time of the matter in dispute was Chemical Bank. Sometime after this incident, TCF Bank bought out Chemical Bank. Sometime after that, Huntington Bank bought TCF Bank. Huntington Bank is the current lender who refuses to change the incorrect status of this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I applied for a HELOC loan. I was denial based on my credit. They told me and sent me a denial letter saying the reason why I was denied was because of collection and/or judgement. I called the company that sent my credit report to TD Bank. And, they said it wasn't anything negative reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: CarMax, Inc.
State: AZ

Complaint narrative:
You are in Direct Violation of the The Fair Credit Reporting Act ( CARMAX AUTO FINANCE & XXXX ), has violated several of my rights.

15 U.S.C. 1681 section 602 A. Clearly states that 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.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: SC

Complaint narrative:
I requested information regarding the new " XXXX XXXX XXXX' program, from Ascendium, one month ago via a phone call and email. They requested that I contact XXXX for more information on the program. Today, I received a letter stating my loans are being transferred to XXXX per MY request to begin the " XXXX XXXX  '' program ( see attachment ) - I never made such a request. This would bring my XXXX loans out of rehab status. I would lose certain XXXX loan protections ( not including payment due ) by pulling them out of their current status- this was reiterated to me by a communication from Ascendium last year. ( I can provide the email if need be. ) Again, I did not request for my loans to be moved out of their current status and transferred to XXXX ( or another servicer ). Finally, I want my loans to be held in their current status with Ascendium until the payment moratorium comes to an end. The actions I have taken to resolve this matter were speaking with an Ascendium representative ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I was told debt was paid and there was no further action needed.

Company response to consumer: Closed with explanation