vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 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: Self Financial Inc.
State: PA

Complaint narrative:
I wanted to buy and item that charged XXXX XXXX XXXX XXXX. Trying to close the app every screen had additional fees totaling {$61.00}. that I wasnt interested in. There was no phone number listed to cancel. Immediately I called SELF to cancel the transaction, within 1 minute.

They said they would block/cancel the card. Two weeks later the charges are still on my account. When I call the credit card co I am transferred and left on hold up to 30 minutes.

Emails are met with requirements for me to fulfill when all they had to do was cancel the transaction 1 minute later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This morning XX/XX/22 I got an email from XXXX or XXXX XXXX XXXX XXXX ) saying I sent {$480.00} to XXXX for a cannon printer XXXX transaction id : XXXX delivery date XX/XX/22 I dont have a PayPal account. When I called the number XXXX XXXX they hung up on me after I asked why they needed my name. This doesnt seem like it is really PayPal . They sound like they're from a foreign country and have accents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX I filed a ftc report and police report on some i told them that its was identity theft they refuse to delete off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX has not fulfilled its legal duties to fix an erroneous account on my credit report. I was taken advantage of due to malpractice. Several laws were broken under the FCRA by XXXX. XXXX has caused me financial injury and defamation of character. I can not apply for a job or a loan to help my business grow because XXXX has not taken any action to solve the disputes. It has been over 60 days now and still I am waiting on them to correct the mistakes so I can proceed with my life. There has been a security freeze and fraud alert on my credit for the past 4 years. This account has been on my credit too long due to XXXX not following the FCRA laws diligently. I hope this dispute gets resolved soon so I can get back to providing for my family and support my further childs birth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo reported incorrectly on my credit report. I have attached two credit reports that they have two different ratings. I have paid off a collection account in 2019 through a settlement they offered me. All payments were made through my Wells Fargo account. Last week through XXXX XXXX, I had been alerted that Wells Fargo reported inaccurate information. I am in the middle of purchasing a home, and because of this inconvenience, it has dropped my credit score over XXXX points.

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 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Sometime in late XXXX or early XX/XX/2021, I applied for the American Express XXXX XXXX XXXX card. They had an offer on their website for 90,000 miles, in addition to some other benefits, by spending a specific dollar amount within a 3 month time frame. The card was approved and I began using it on XX/XX/XXXX and also paid a {$250.00} annual fee my first month. 

I had not seen my bonus miles show up so I messaged them on XX/XX/XXXX to inquire. I was told that the bonus offer was denied based on my welcome offer history with American Express and another financial institution. The representative also stated that I should have been informed of this at the time of application, they knew that I was not informed and they apologized for me not being notified. I was not informed of this at the time of application. I had even called them shortly after I applied and was approved and the employee had clarified the bonus offer. A transcript of this correspondence containing 3 screenshots is attached. 

AMEX should have notified me right away as they know I applied for that offer on their website. I feel this is misleading. I have also spent over {$15000.00} on this card in the final 3 months of 2021 so AMEX has made good revenue on our activity. Of course I am frustrated by not receiving the rewards I was expecting but more importantly feel like they neglected to inform me of the situation, which added to the frustration. 

I really enjoy the quality of the company and the card benefits but it bothers me that this happened. I have referred many other people to apply for this card as well and I continue to use it as my primary card. The reason I applied for it is a family member recommended it as they use it for frequent travel and we plan on doing more traveling now that our kids are older.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I received a letter from Bull City Financial services around XX/XX/XXXX stating their attempt to collect a debt from XXXX XXXX. I contacted Bull CIty Financial along with XXXX XXXX asking for a statement to substantiate the debt that was owed. According to my records, all amounts owed to XXXX XXXX were paid. XXXX XXXX as well as Bull City stated they would send me the supporting statement. 

I submitted a dispute notice to Bull City along with a request to cease and desist any further action while this debt is being researched, this was confirmed by Bull City it was received on XXXX. 

In XXXX I received a call from a supervisor at XXXX XXXX who advised she would research further and contact me back. I never received a call or a statement. On XX/XX/XXXX I received a letter from Bull City ( see attached ) that did not provide sufficient itemized information to answer my question of what this debt represents. Almost two years had passed and this was my first notification of an outstanding amount. 

On XX/XX/XXXX I contacted Bull City Financial to confirm the cease and desist was received and to again, ask for more detailed information on the nature of this balance before it is paid. I was met with opposition and spoke with a collector by the name of XXXX who advised the " proof of debt '' I received was all I had to be provided. I requested to speak with a supervisor and was ignored and transferred/rerouted for over an hour. 

At this time I sent a second cease and desist letter via certified mail to reiterate there has yet to be a statement provided for this debt., therefore I am still disputing because according to my records all debts were paid. This has since been reported to my credit report and has impacted my credit score.

I have spent hours on the phone with XXXX XXXX as well as Bull CIty, at one point I was advised by XXXX that they changed systems and was unsure of how to obtain the statement in question, yet, they reported me to a debt collector. Who has proven to be uncooperative and mentally abusive with giving me the runaround or mocking my request for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
On XXXX XXXX I made my current monthly payment on My Ally bank home equity loan electronically as I usually do. On around XX/XX/XXXX I received collection notices in the mail indicating that I was in default of my loan. I immediately went to my bank account and to my account with the Ally.to check for payment activity and could not find records of the payment. Unfortunately I did not record the confirmation number when I made the payment. On XX/XX/XXXX I called Ally bank to inquire of this payment. The person assisting me spent quite a bit of time researching but could not find a record of the payment. At this point I assumed that I had made an error when posting the payment and agreed with the company rep to make that payment which was from my XX/XX/XXXX payment, My current payment which was for My XX/XX/XXXX payment and my next payment for my XX/XX/XXXX payment. I received and recorded a confirmation number from Ally for this payment and was assured that all was OK. On XX/XX/XXXX I again received debt collection letters from Ally stating I was in default of my account. I again called in and after considerable wait on the phone I was told that they could see the payment activity and discussions in my account record but could not determine where the payment went. ( this payment was not taken from my bank account either ). Once again we agreed to make the same transaction for three months of payments. Again I received a confirmation number and was assured all was okay. On XX/XX/XXXX I again received mail from Ally saying I was in default on my loan. I checked my bank account and the payment had not been withdrawn. I called Ally again on XX/XX/XXXX and after the same routine and extensive wait times I was told that for some reason due to the type of loan that the payment was put in " suspense ''. Again we agreed to make the payment making my account not only current but paid in advance. Again I received a confirmation number and was assured all was Okay. On XX/XX/XXXX the full payment was withdrawn from my bank account. I went to my Ally account online and found that the payment was still being listed as past due and in default. On XX/XX/XXXX I received an email notice from my bank that my XXXX score had been reduced due to negative credit reporting by Ally Bank. On XX/XX/XXXX I checked my Ally account on line and found that the payments had finally been credited and the account was up to date. Everyone I spoke with at Ally was helpful and assured me that all was Okay. It is not okay that my credit record is being negatively effected my credit record due to internal issues at Ally bank and no fault of my own.

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 2022-01-24 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: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
-made a lump payment of {$17000.00} on XX/XX/2021 exiting my forbearance plan via phone with pennymac -it was communicated to me that after i made this payment i will be able to resume payments as normal -error code that blocks autopay was found on XX/XX/2021 on my account and paid outstanding amount while on the phone with an agent -was told because it was an error on pennymac and i was able to make outstanding and current month payment ( XXXX payments ) that it would not be reported as late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MCCUE MORTGAGE COMPANY, THE
State: CT

Complaint narrative:
Hi! My mortgage company gave me a coupon book with what I owe to them, that is a different price than what I owe. I payed the amount on the coupon book and they are now stating that it is delinquent and will refuse to confirm that it will not go against my credit score. They have also made countless error in the past with my mortgage, including applying my mortgage to another person 's account last year. I would like assistance in resolving this. XXXX. XXXX XXXX XXXX XXXX McCue Mortgage

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
Hello I purchase a vehicle from Santander USA back in 2015 for XXXX which total to around XXXX I still owe almost XXXX seven years later my payments are XXXX a month my credit score was XXXX when I got the loan I needed this vehicle for work even tho I knew the payments were high I still needed transportation over the years i made a total of 11 late payments which over the 6 or 7 years Im aware of the class action lawsuit with Santander I wrote to this company trying to get the late payments removed and they keep saying verified I feeling need to have some if not all removed Santander is destroying my credit with the late ayments that they are currently reporting I need help in this matter my payments have been current and on time please help thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I refinanced by property at XXXX GXXXX XXXX XXXX XXXX Florida. 

Once the loan was funded I received notification that the servicing company was going to be Planet Home Lending and I established automatic payments for the new mortgage payments to be taken from my bank account. 

On XX/XX/XXXX, I received a letter from the bank saying that they were going to be switching servicing companies to XXXX XXXX XXXX XXXX XXXX  ) effective XXXX XXXX. 

On XX/XX/XXXX, i received a goodbye letter from Planet Home Lending saying the loan had been transferred back to themselves On XX/XX/XXXX i received a welcome package from XXXX stating that they were the new mortgage servicer and as a result I set up automatic payments out of my bank account with the new servicing company. 

On XX/XX/XXXX, I called Planet Home lending to ensure that the loan had been transferred as I did not want to make double mortgage payments. I spoke with customer service and they made it clear to me that they were tho OFFICIAL servicer of the loan and that XXXX had no right to contact me and they said that I needed to continue to make my regular monthly payment to them or they would report a derrogatory on my credit report. I then called XXXX and reported the problem and they empantically stated in contradiction to Planet Home Lending that they were in fact the OFFICIAL loan servicer and they had document to prove it. They also suggested that if i did not pay them they would report it negatively on my credit report. 

I have been forced to make double mortgage payments since XXXX. Neither company will contact the other to help resolve this issue. I have made contact with each of the respective companies in excess of 15 times to report the issue and both insist that they are the correct servicer. Meanwhile my bank account has been drained. 
I am now broke. Neither company is wroking to resolve nor refund the excess payments and none are willing to resolve this issue. 
I have spoken with the highest levels of management from both companies and they express to me that nothing can be done within their scopes of authority to fix the situation. 

I need the government to step in an help resolve this and get my overpayments back. 

i have been shuffled around like a deck of cards from one lame customer service agent to another. I honestly can not tell you who is worse ... .XXXX XXXX XXXX or Planet Home Lending. In my opinion they both are less that a 1 out of 10. 

I am sure that there are laws in place that are supposed to prevent things like this from happening to a consumer. The long and short of it is that the companies hide behind their phone systems and emails and largely ignore the situation. 

I recently was advised 2 days ago that Planet Home Lending was going to transfer the loan to XXXX on XX/XX/XXXX but they would not be refunding me my overpayment. 

PLEASE HELP ME get my money back. This is not right!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Lending Club Corp
State: DE

Complaint narrative:
I am trying to obtain my funds from Lending Club. I have requested a transfer on multiple occassions with not success. Thier contact information does not work. Phone line just states no one is in the office. Email address they provide is used for them sending messages only. 

Something is very wrong with this operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2021 the attorney handling the refinance of my home sent a check in the amount of {$7400.00} to my Barclay Credit Card ( XXXX XXXX ) to pay it off. 
I have proof that the check was cashed on XX/XX/2021. 
The payment has not been applied to my account. 
I have reached out to Barclay credit cards starting on XX/XX/2021 and have provided them with a copy of the cashed check and everything else they have asked. 
I have been checking in with them on a weekly basis and have not had any resolution. 

This was a large payment and I am extremely frustrated that after 5 weeks of trying to have this resolved- I am not any closer. 

Can you please help 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 explanation
Consumer complaint received 2022-01-24 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:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
RE : XXXX XXXX XXXX Synchrony Bank XX/XX/XXXX - I paid my entire credit card balance in full prior to the due date. The payment was processed and my credit card account had a zero balance. The following week, a new payment of {$690.00} was automatically deducted from checking account by Synchrony Bank which created a credit balance. As soon as I noticed this over payment, I called to request a refund on XX/XX/XXXX. I was informed a refund would be sent within XXXX days. I received no refund. 

I called again on XX/XX/XXXX and the customer service representative confirmed the communication and my request to receive a refund. The request had been submitted but no refund check had been issued. ( I waited longer than XXXX days to receive it and still no refund. ) Additionally, I was informed by an account manager that the company had been experiencing system issues. I placed another request in which I was informed it would take another XXXX  days to process. My only option to receive a refund is via paper check and through the US mail. If a payment can be taken electronically than a credit should be issued electronically as well. 
.

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 2022-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I checked my credit report and there is a medical debt listed on my report that does not belong to me. Thus far I have tried to dispute the debt to get removed from my credit report to no avail.

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