vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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: U.S. BANCORP
State: NV

Complaint narrative:
My car was in an accident in XX/XX/XXXX and I was not at fault. The tow yard which my car was taken to gave my insurance 30 days to take it out and instead US Bank took the car out after only 5 days without telling anyone and classified it on my credit report but not to anyone else as a repossession and a charge off even though I was making my payments until they closed my account in XX/XX/XXXX. After that I was unable to make payments on it until my insurance got ahold of the car and inspected it to get a value of the car. The problem was US Bank lost the car and it took my insurance a few months of tracking it down for them to find it. After they found it they put a price on it paid off the car and I had my remaining balance. I called US Bank to find out the balance and they told me to wait for their systems to update before I could pay the remaining balance. I called the next week same answer. I called a third and fourth time and they told me to wait until I received a letter in the mail telling me my remaining balance and how to pay it off. While waiting for the letter I received a delinquency hit on my credit report. I called again and they basically said its not their fault and not their problem and I finally got the letter and paid it off. I went to the XXXX credit bureaus to dispute because US Bank told me they would not fix my credit report themselves and my first report I received back from XXXX was that US Bank refused to take accountability and would not allow XXXX to make the changes to my credit 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 2022-07-06 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:
XXXX XXXX XXXX XXXX Account number XXXX is reported on all credit bureaus as a charge off, account sold, and with a balance. 

This account has been disputed through certified mail and i have never received any original documentation verifying this debt. 

I'm unable to cite the exact FCRA information that states the above erroneous information should have already been removed. 

Please assist or advise in the removal of this account from XXXX, Transunion, and XXXX credit bureaus.

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 2022-07-06 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:
XXXX XXXX XXXX XXXX Account number XXXX is reported on all credit bureaus as a charge off, account sold, and with a balance. 

This account has been disputed through certified mail and i have never received any original documentation verifying this debt. 

I'm unable to cite the exact FCRA information that states the above erroneous information should have already been removed. 

Please assist or advise in the removal of this account from XXXX, XXXX, and Equifax credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
XX/XX/14 MD Homeowner 's Assistance Fund underwriting requested documentation from Select portfolio Servicing Inc regarding mortgage account ; XXXX ( XXXX est ) ltr from borrower updating SPS on XXXX  status and asking for a timeframe of when documents would be submitted to XXXX XXXX XXXX ( XXXX est ) duplicate payment canceled ; no mention of a demand notice until XXXX XXXX ( XXXX ) ltr demand notice generated in customer portal ; borrower was unable to access and expected such an important document to be sent certified ; XXXX ( XXXX est ) recorded call clarifying that a payment is still scheduled and asked why a demand notice was issued when customer thought SPS was waiting on funds from XXXX once they send necessary documents XXXX ltr uploaded to customer portal asking that it be sent to a specific address because of mail carrier issues or property address if it would be certified XXXX borrower tried to access " demand notice '' and was successful ; noticed the cure date was XXXX ( one for each address mentioned in letter )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Re : Synchrony Bank, I overpaid on the account and I am due a refund that is CLOSE TO {$2000.00}! I spoke with a supervisor three weeks ago to request a refund and it was NEVER PROCESSED! I tried a chat option today and was advised that I could have a check sent in two weeks. I would like to have the refund direct deposited into a bank account that I provide for them. I do not want a paper check sent regular mail! I need to speak with a bank supervisor and have some guarantee. They will allow me to pay my bill with my check account, so why can't they also send me a refund that way? 

Second problem : my overpayment was obviously a clerical issue, so why was I not contact immediately?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 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: CA

Complaint narrative:
Since the end if XX/XX/2022 I been trying to make corrections on my report regarding trade line if XXXX XXXX XXXX with Equifax, nothing has been fix and instead of conducting a " proper investigation '', they continued to on it, delete and.or do nothing regarding the information disputes. As of this date, I can not have a complete, accurate and verifiable trade line. I tried disputing on line, over the shine and last via cert mail. In addition, I have tried to obtain and dispute directly with XXXX, furnisher with no answer. It is a mystery and/or Comenity is not releasing the records of payments, charges and I am stuck with a trade line full of errors and incomplete because Equifax is not able to verify the information which was previously reported, once disputed, Equifax claimed that they contact the furnisher and it is accurate OR the information disputed is UNKNOWN. I am demanding accuracy completeness errors free in my consumer report. Please review the attachments, I made notes including dates, comments and circled the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
XX/XX/XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was selling a antique stove for {$8000.00} on XXXX XXXX for my mom who is XXXX XXXX XXXX and a person named XXXX XXXX contacted me to purchase. He sent me a check for {$11000.00} which {$3000.00} was to be sent to movers on XX/XX/XXXX thru my XXXX account, the person receiving the money was named XXXX XXXX and her email address was XXXX later in the evening I received a message from XXXX XXXX letting me know that he wanted to cancel the transaction because his only sister who he was buying the stove for got into a serious car accident and was in the XXXX Ohio emergency room, he gave me the phone number of the hospital which was XXXX and when I called a person answered phone XXXX Ohio emergency room, we gave him the information and he continued to give us Information that if this was a true hospital it wouldnt have been given because of HIPPA.He wanted me to send all the money to pay for a operation that she needed right away. I didnt respond then he sent a picture of a woman lying in a hospital bed so I showed my daughter XXXX who did a reverse picture lookup and the picture was from 3 years ago of a softball coach who was in a car accident. I knew then I was scammed so I called Ally bank fraud department right away to let them know about the check, the person I spoke to said he believes it is money laundering. I called again on Thursday to get more information and I was told that my account will be locked I will not be able to take money out and all the money needs to be paid back to bank and this will be reported to credit bureau. I was very upset about the whole situation so I had given permission a number of times for my daughter XXXX to speak with customer service at one point a person named XXXX accused my daughter of impersonating me she also spoke to another person XXXX who was extremely rude as was XXXX. I have spoken to a number of people from Ally bank who were either nice to me or rude. This whole situation is a nightmare, I am being treated by Ally bank as a thief because of the fraudulent check that I didnt know was fraudulent. I have been with Ally bank for a long time my record is clean I have worked hard all my life and this is how I am treated by Ally. My accounts have been locked I dont have access to any money and I have bills to pay. At one point I called to find out my balance and I was told to stop calling. I filed a police report with the city of XXXX on XX/XX/2022 the incident number is XXXX. Ally bank should back up their customers not treat them like thieves. I have filed a complaint with the Attorney Generals office, FBI and 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 2022-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: IN

Complaint narrative:
I had received statements for medical treatment from XXXX XXXX XXXX. I made payments on the balance as best I could and told the staff by phone and in writing that my husband works out of state and gives me a monthly stipend to pay bills. I have been out of the workforce since XXXX. I am in an XXXX relationship and financial control is one form of it, documented in my medical records. I told the billing staff in writing and by phone that I was doing the best I could. When the Pandemic hit, my husband who works for an airline had the potential to be laid off, and I advised billing staff. I requested a print out of my ledger so that I could see my balance and that the payments of {$20.00} or {$25.00} were applied. XXXX never sent it. They stopped sending statements. They said I could only set up a payment arrangement if I submitted my husband 's gross income/ tax return. I do not have access to his money, he keeps most of it in an account I have no access to, and I told the staff. I do not want to risk physical injury to myself by submitting the tax return to them, and it's misleading when I only have a smaller amount to work with- it would not give an accurate view of my financial problem.I believed that my contact with staff would prevent collection activity. However, they submitted my account to Ameri Collect I learned XX/XX/XXXX. I called Ameri Collect and XXXX XXXX claims they sent me a letter XX/XX/XXXX that was returned to them by post office. I asked what address it was sent to, and she refused to reveal it to me, giving only the house number.She had no details s to why it was returned, and said it was sent by " normal mail ''. I asked if it was resent, and she said once it's returned they do not try to mail it again. Apparently they did not confirm my address with XXXX either. She claims to have 9 accounts of mine that were turned over to them, which makes no sense. Again, my written request of XX/XX/XXXX for a print out of my account reflecting payments I made was denied by XXXX of XXXX. She returned my letter to me with her notes scribbled on it. I still have to confirm with XXXX what I owe, and I need to see how the payments I made from XXXX to present were applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I started services with XXXX and I was charged for a kit, and there was a set date where my monthly order would run. I contacted XXXX after finding out it was a pyramid scam and this was after they ran the monthly payment too soon when it was not authorized. I was provided 2 return labels by them and was provided a refund processing time frame which has now been exceeded by weeks after the returns were received. I filed a dispute with USAA in which I feel they are continuously not properly investigated or handled. I received a response after USAA asked me to provide additional proof I supplied documentation that shows the date that the monthly payment was authorized for was not followed also all tracking return info ordering info and the confirmations that show all orders have been received by the vendor with their return labels as of XXXX they have had the item still no refund. USAA sent me a notice on XX/XX/22 stating the transaction was authorized therefore they are once again reversing the provisional credit, and once again siding with the merchant who has the money also merchandise. This vendor attempted to debit my account twice after this was canceled USAA provided no support. They do not actually investigate anything so this means I am out of another {$250.00} this continues to be a trend for USAA in my personal experience there has not been one instance where they used any of my supporting documentation to make a just decision. I would like an explanation of how this continues to be the case, and how we can support merchants keeping merchandise also customers ' money which means I apparently am able to donate because there is nothing I have received out of this transaction also every month my account has been tried for a shipment of the returned items. I am so disappointed as a member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: MoneyLion Inc.
State: NC

Complaint narrative:
money lion is falsely reporting wrong balance amount on my credit report. i paid the account in full on XX/XX/2022 XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: CT

Complaint narrative:
Update on mortgage that was closed in late XX/XX/XXXX late at night in XXXX XXXX CT without a notary and without a lawyer for me or American Financial Network, INK. 

To add to the existing issues reported I got a call from American Financial Network at XXXX at XXXX PM and said for me to call them by automated dialer. I responded by calling them back at XXXX PM a minute later and spoke to someone that I have spoken to previously. I was placed hold for about 4 minutes and was hung up on when I asked about loan modification and documents. 

I then called back at XXXX PM and was hung up on again. 

I have submitted documents that have been requested for approximately a year and every time I submit what is requested of me, I am told a month or 2 later that a paper needs to be updated ( which is good for a month such as bank statement ), then after 1-2 month review the response is over and over, and over again. 

There is more as the workers 1. Give me contradictory information everyone I call as documented in recordings that I have done and the company is required to do. 

2. The workers give me no information that is helpful. The firm issue the workers do is demanded which tone of voice I use when talking to them and talking in a passive and subservient tone. I've accommodated a few times in return for the loan modification getting done and no luck. 

3. I was told to get the right documents in and that it's like a program for approval. When I told the manager 2 months ago that a program is " only accurate if the right data is put into program '' she got mad and was short with me. 

I have continually asked XXXX what documents they need and when I present them they say they need something else and the process never ends. For instance I submitted a Profit and Loss for XXXX and then after a month plus of review XXXX tells me that I also need to sign the document ( after a month plus review ), and then after I submit the new document I was told that I needed something else about old mortgages that I no longer have and on and on and on. 

The contradictory information with every call is made worse when I'm told by XXXX that American Financial Network is not handling the loan modification and then I'm getting calls from American Financial Network and no there just hanging up on me since these Consumer Finance Protection Bureau complaints. 

THIS company and or XXXX has no process or consistency that I can follow and are RANDOMLY making policy and making demands to me as is FINANCIALLY and most feasible action as this complaint is in the works.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: NC

Complaint narrative:
money lion is falsely reporting wrong balance amount on my credit report. i paid the account in full on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have purchased something and cancelled the order without items getting delivered at all from XXXX using XXXX and charged to my Wells Fargo Credit Card. I was short-refunded of {$100.00} short ( e.g {$1000.00} paid, {$900.00} refund ). 

I have opened disputes twice with XXXX, XXXX refused to cooperate, asking for random proof like tracking numbers, recording of call, that I can't possibly prove. 

Then finally I have opened a dispute with Wells Fargo to chargeback XXXX then Wells Fargo declined dispute without any explanation even providing my receipts and proofs plenty of times. 

Important fact is that I am deaf person. That makes a phone call incredibly difficult.

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 2022-07-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Since the end if XX/XX/2022 I been trying to make corrections on my report regarding trade line if Comenity XXXX XXXX with XXXX, nothing has been fix and instead of conducting a " proper investigation '', they continued to on it, delete and.or do nothing regarding the information disputes. As of this date, I can not have a complete, accurate and verifiable trade line. I tried disputing on line, over the shine and last via cert mail. In addition, I have tried to obtain and dispute directly with Comenity, furnisher with no answer. It is a mystery and/or Comenity is not releasing the records of payments, charges and I am stuck with a trade line full of errors and incomplete because XXXX is not able to verify the information which was previously reported, once disputed, XXXX claimed that they contact the furnisher and it is accurate OR the information disputed is UNKNOWN. I am demanding accuracy completeness errors free in my consumer report. Please review the attachments, I made notes including dates, comments and circled the disputed information.

Company response to consumer: Closed with non-monetary relief