vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover turned my account over to collections/attorney and a garnishment was issued against my paycheck. No paperwork or calls were sent/made to me before I received the garnishment notice from my employer. Discover will not give us any information since this is with an attorney/collections. Charges were made in XXXX, judgement made in XXXX. Garnishments started in XXXX. At no time was I contacted or made aware of this process until I received the garnishment and I have been told nothing could be done since it was already filed and approved. We dispute the charges of XXXX  and need help getting this resolved. Again, no notifications were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I purchased the home in XXXX. I am XXXX XXXX and set up my monthly allotment to pay for the mortgage with the information provided from Freedom mortgage. In XXXX, I received a letter stating I was going to default on my loan. I called them and was informed they had not received any payments. I then paid them {$7300.00} to get my loan caught up. I spoke with XXXX and they stated Freedom Mortgage never returned the payment to them, they had accepted and kept it. For the past 3 months I have tried to get a resolution with them. I have called frequently and get told various information. They received XXXX allotments from XXXX with each being {$3800.00} ( total of {$11000.00} ) on top of me having to pay out of my personal account. They continue to tell me they do not know where the money is and have yet to refund it to me. I really need to have my money back as they are basically stealing.

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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: IN

Complaint narrative:
I opened a US Bank business checking account online on XX/XX/23. The entire opening process was online. 

I was told I need to call in to close the account. 

US Bank should not make it more difficult to close an account than to open one. If they allow online account opening, they should allow online account closing.

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 2023-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I originally filed for a Care Credit card due to not having insurance and needing assistance with paying to have procedures done. I used the card a few times and was making my payments as usual. I then began to notice that my payments were not going down but instead going up. I had some items on there that were to pay before a certain time frame or the interest would apply from the time that the payment occurred. And then there were others that you just paid on as you went. The payments were not going on the ones that had the time frame even if they were at the top of the list but instead to the other ones. I tried to call and make payments over the phone. Either no one answered after being on hold for hours or I was told that they could not assist me. I kept making payments and now I have over {$2000.00} in interest. I have tried to call several times and ask to speak to a higher manager or someone in the HR department. I'm always told the same thing. Someone will call me or email be back and no one ever does. I try to follow up and its like I never made the fir4st call or there is no record of it. I am a single mom and my hours have been cut at my job so I only make {$300.00} a week. I have paid way more than what I should have and still have so much left in interest when if it would have been applied to the correct payments in the first place everything would be paid off by now. I am at a loss of what to do and they now been sending this to the credit agencies so my credit is declining fast.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed a dispute with Experian twice and both times they failed to correct my consumer report then on the second time they filed false information about an account being open that was closed and settled months ago. I sent the first dispute electronically on their website as i just wanted my information corrected, and too continue on my credit building journey. the first dispute changed wrong/ outdated information but said the account was valid. On the second most recent dispute i sent a letter with attached copies of what i paid and too whom the payments were for. I had 3 accounts settled recently and after waiting the 60 period i wanted my information reflected on my consumer credit report. The second report came back worst even after i sent proof stating the account was reopened and the balanced was now 180 days late? I became frustrated, and found out how to get them to fix their intentional mistake as i did send proof ws to contact CFPB. The errors iv found since the dispute came back are, false open account, 180 days late, account not paid/settled, hard inquires and addresses and names that are not mine its a complete mess. The main account that is wrong on my report is 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 2023-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
We rented an apartment from XXXX XXXX XXXXXXXX XXXX ( a XXXX XXXX XXXX ) in the XXXX area for 7 years and left on good terms a few months ago, owing nothing. Now, this week, Fair Collections & Outsourcing of XXXX, MD, has sent collection letters to both myself and my husband, claiming we owe {$53.00}. The letters are bogus but say we're required to send a written, mailed response if we don't want phone calls from these people. The company has our names, our permanent address and the name of the apartment we rented from, including the correct unit number, which means someone sold our rental information to scammers.

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 2023-11-17 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$460.00} XX/XX/XXXX  15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am attempting to have Experian change a landlord debt to mortgage based on the record with the bank and other tax records. Experian has falsely reported this information to XXXX which says that Experian is not changing the information. 


Consumer Attorneys- Dispute to XXXX XXXX  Inbox XXXX XXXX XX/XX/2023, XXXX ( 10 days ago ) to me Hello XXXX , I got a response from our attorney about the issue with your XXXX  XXXX report. Reporting the account as a debt to a landlord is misleading. 

You already disputed the report over the phone, but we would like to have written proof of dispute. So we advise you to file another dispute via email. 



You can use the template below Subject : Report Dispute Hello XXXX XXXX, My name is XXXX XXXX, my date of birth is [ your dob ], and the last 4 of my social are [ last 4 digits of your SSN ]. Recently I was denied an apartment based on your screening report. The property management company is XXXX XXXX XXXX. Your report is showing my mortgage loan with XXXX XXXX  as a debt to a landlord which is not correct, reporting a mortgage as a {$510.00} debt to a landlord is misleading. Please remove this account from the LANDLORD DEBTS section of my report and provide an updated copy to the apartment complex and to me at XXXX. If you have any questions you can reach out to me at XXXX. 



Please fill in your date of birth and the last four of your social and send this template in an email to XXXX XXXX at XXXX Keep me posted on any responses or other correspondence you receive from XXXX XXXX. 



If you have any questions, let me know

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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened a checking account with Ally bank on XX/XX/2023. Ally automatically sends a debit card once your account is funded. I funded my account XX/XX/XXXX and but I never received a debit card. 

Due to this, I was unable to pay several bills and had no way to access my funds. I requested a new debit card to be mailed and expedited to me, which I was told would take up to 7 business days. 

Because my bills were now overdue, I issued 2 wire transfers to my secondary bank account so I would have access to my funds during the additional waiting period for my debit card. 

Ally flagged my wire transfers and sent me an email telling me I needed to verify my identity and the wires. I spoke to several people, multiple times, and verified my identity, answered all security questions and patiently explained that I was sending money to myself so I can by my bills while I wait for my debit card. 

My account was then unlocked, I was told the wire transfers were approved and that no additional information was needed from me. 

Two hours later, I received another email from Ally stating that my account was restricted and that I needed to call to get my account verified again. I called and the agent gave me a # to speak to the loss prevention department, However they were now closed. 

So, this morning I called the loss prevention department and spoke with 2 different agents. They told me my account is under investigation, and refused to give me any further information. I explained to them that I need to speak with someone immediately as I could potentially lose my vehicle and Im behind on several bills because Ally will not give me access to my funds. I asked how long the investigation process takes and how I can speak with someone to resolve it and they again refused to give me any answers or to give me a timeline on when I can expect a response. 

So at this point, Ally is holding over {$20000.00} of my money that I can not access. Theyre an online bank so I cant even walk in and speak with anyone. They will not give me any answers or any updates regarding my case and wont give me the contact information for the department responsible for releasing my funds or account. 

Please, if the CFPB can help me resolve this before I lose my car, I need to pay my rent and my bills and I do not have much time to get this fixed.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX {$2200.00} I have XXXX section 8 the rent was stopped due to landlord not making repairs to the unit. Landlord had 30 days to complete the repairs, it was not done until 3 months later. 
XX/XX/XXXX {$1700.00} same reason as above statement this report should not be on 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 2023-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In the past few months I have had a Bank of America account opened in my name and XXXX inquiry and XXXX hard inquiries on my social security number Last year someone also tried to file for unemployment with my social security

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 2023-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: PA

Complaint narrative:
XXXX XXXX via XXXX sent information to a residence I have not occupied in 3 years in XXXX XXXX XXXX, XXXX, PA XXXX. 

I occupy a different residence of which has already been sold and now moving at XXXX XXXX XXXX, XXXX, PA XXXX. 

This debt also was my ex boyfriend who fraudulently used my credentials to get the XXXX XXXX, I was willing to pay the debt though, even though it was not mine it was XXXX XXXX who occupied the residence at XXXX XXXX XXXX at the time I left several years ago. He may still reside here but he is an ex for a reason and I do not speak to him anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Upon seeing that Aidvantage was my loan servicer, I created an account and set up automatic payments. As I had cash on hand, I attempted to pay {$3000.00} towards one of my loans, the one with the highest interest rate, to get a head on its interest accumulation. On XX/XX/XXXX I submitted this payment. A few days later I noticed that the money had not been taken from my bank account. On XX/XX/XXXX I had assumed I made an error typing in my routing number or similar. I entered it in a second time taking considerable care to ensure it was correct. I thought that should be that, and when I checked my account on XX/XX/XXXX, I saw that once more the payment was reversed. I called Aidvantage, but after an hour on hold without having spoken to a person, I had to go back to work. On XX/XX/XXXX I resubmitted my payment, and noticed that interest had begun accumulating on the original loan amounts, which I had been trying to avoid for two months now. A further attempt to contact the Aidvantage today had been similarly fruitless, and now at the recommendation of family I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Venmo suspended my account asking for verification of my identity. I sent my ID on XX/XX/2023 and was advised my account would be available again within three business days. It is now XX/XX/2023 and Venmo has now advised me that it will be 7-10 business days to review my account. I am a low income single parent in XXXX XXXX. I need that money to pay for food and transportation for myself and my child. Venmo refuses to escalate this matter which has put me in a terrible predicament. I dont have any money for food.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I am writing to bring to your attention the unfortunate situation I have experienced with the solar installation project financed XXXX. My name is XXXX XXXX, and I am an individual who fell victim to a solar scam in XX/XX/2023. 
The incident involved XXXX companies, namely the door-to-door seller, who falsely claimed to be affiliated with DWP, the solar XXXX ( XXXX XXXX XXXX ), and the loan company ( XXXX ). After signing the documents with the salesperson, the solar XXXX installed panels on my roof. However, I later discovered that the XXXX had gone out of business, and the panels were not permitted nor functional, as the necessary permits had never been applied for. 
The salesperson, who turned out to be the main perpetrator of the scam, had no actual office location, making it impossible for me to locate them. I promptly contacted XXXX, requesting the removal of the non-functional panels from my property and the cancellation of my loan. Unfortunately, there was no response, leading me to close my bank account shared with XXXX and lock my credit. 
Despite my attempts to complain to various entities, including the Department XXXX XXXX XXXX and XXXX ( XXXX ), it took more than XXXX months for XXXX to respond. When they finally did, they suggested another XXXX to complete the installation, but this XXXX was unreachable and unresponsive. 
During this period, I refrained from making payments to XXXX due to the lack of cooperation and trust. After another complaint to XXXX, I requested permission to bring in my XXXX, as the one suggested by XXXX was non-responsive even after months. Only after XXXX started cooperating did I resume payments. However, despite explaining the circumstances multiple times, a one-time late payment was reported on my credit, significantly impacting my credit history. 
I acknowledge my commitment to making regular payments since XXXX began cooperating, and I currently do not owe any outstanding payments. However, the negative impact on my credit history caused by the one late payment report remains a significant concern. 
I kindly request that you investigate this matter promptly and request XXXX to remove the negative impact on my credit history. I believe that considering the circumstances and the XXXX months it took to finalize the solar panel installation, it is only fair to rectify this issue. 
Thank you for your attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please see attached correspondence showing what happened in relationship to my accounts due to deposit issue and duplicate payment error by mortgage company. 

I am schedule to travel next week for XXXX and now my funds are on hold. Please I have have consistent deposits for the last 2 yrs with Bmo. 

Please release my funds so I can take care of what I need to get done my credit has already dropped XXXX points due to mortgage payment being late and need resolved asap. 

It was out of my control with the deposit not being processed as I was told by my client company who was paying me.

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 2023-11-17 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XX/XX/XXXX a credit card I have at Bank of America, that I did not open, was charged {$10000.00} in my name. The money was transferred to an account at XXXX XXXX, a bank I have no account with. For some background, in XX/XX/XXXX I purchased a car. The original loan was financed through XXXX via the dealership. I refinanced the car myself in XX/XX/XXXX for a better interest rate with XXXX XXXX XXXX. The loan to XXXX was then paid off in XXXX. I then had no account with XXXX XXXX. I contacted XXXX XXXX  and they verified that I had no account with them at all since XXXX. Bank of America is saying I used the {$10000.00} to cover an overdraft. What overdraft, where?!? I am getting no answers, I would never use a credit card to pay a bill. I pay my credit cards off before the they are due. I have excellent credit. I am very responsible with my money. A few months before a credit card was taken out in my name at XXXX and {$10.00} was transferred to some account. I was contacted immediately, and it was clearly fraud. They closed the case. Bank of America never contacted me when this transfer was made and they charged me a {$300.00} transfer fee! I didnt know this occurred till I looked at my statement, and was shocked. I reported it immediately. I have been on the phone 6 times with the XXXX department at Bank of America and have gotten nowhere. I froze my credit cards with all the credit bureaus. Someone has my information and I feel helpless. What can I do? Please help.

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