vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX of XXXX I purchased my XXXX XXXX XXXX model with credit and they charged me monthly for payments. I recognize that Ally Auto is a third party on this auto transaction due to the fact that I am the original creditor and only creditor. I have sent out an affidavit of truth stating my rights on this alleged debt and exercising my rights for payments to be issued back to me the original creditor and for car lien title to be sent to me with remaining alleged debt to be removed on all third party reports.

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 2022-08-02 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX XXXX XXXX at XXXX - my XXXX computer account shows XXXX date as XX/XX/XXXX, and my XXXX shows the date as XX/XX/XXXX - someone, or some group purchased XXXX temporary tattoos through my XXXX account, which were charged to my XXXX credit card ( Synchrony Bank ). XXXX of them were " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' and XXXX of them were " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' The XXXX account handles that they were sold by were XXXX and XXXX, both of which are no longer registered accounts with XXXX. The charges added up to {$690.00}. It is absurd that I would order XXXX such Tattoos at XXXX on a Tuesday ( XX/XX/2022, was a Tue ). At some point in XXXX, XXXX emailed me that they suspected fraud and/or unauthorized purchases, and so they closed my account, and they made me change my password. I called and suspended my XXXX credit card. After XXXX attempts to resolve and reverse the dispute, the investigation department said they believed I did not make the charges, but because the tracking number or XXXX order said it was delivered, they were not able to reverse the charge. The product never did arrive to my house. ( I'm to sure how the hacker was able to upload tracking ). It is is true that XXXX of the XXXX tattoos, say they were delivered. XXXX of them do not show that they were completed, and I sent screen shots of this to the investigation team. The products showed that I paid in XXXX dollars, and that it was shipped on XX/XX/XXXX, but if they were coming from XXXX they would most likely not get here by XX/XX/XXXX, as shown on the tracking. I explained to the company that I would not order XXXX and XXXX of the same Tattoos at XXXX on a Tue!

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 2022-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NM

Complaint narrative:
Caliber Home Loans has taken a total of {$52000.00} out of my XXXX checking account between the months of XX/XX/XXXX and XX/XX/XXXX. The Caliber Home Loans online payment portal and shows that Caliber Home Loans has only deducted {$37000.00} from the total original debt. That is a difference of {$15000.00}. 

When I call customer service, they tell me that the funds were returned to my bank account, but I called my bank and they said that my bank statements are correct and no money has been returned ( Caliber Home Loans has not refunded any money to my account ). When I brought this to the attention of Caliber Home Loans Customer Service, they informed me that it can take several days. This descrepancy has been an issue since XX/XX/XXXX. 

On Caliber Home Loans website, it shows " misapplied funds '' and " return payment reversals '' in seemingly random amounts on several dates. I was told that at one point Caliber Home Loans had incorrect bank account information for me but, despite that, as of XX/XX/XXXX, a total of {$52000.00} has been removed from my checking account by Caliber Home Loans, {$0.00} has been refunded to my checking account, and only {$37000.00} has been applied to my loan. 

I have bank statements showing that Caliber Home Loans has not refunded any money. They have not applied the correct amount to my loan. 

When I call customer service it is a new person every time and they have no record of the conversations I've had with other customer services reps so I have to repeat the entire situation again. There is no option to escolate or to talk to a supervisor. I wrote a letter and sent it snail mail to their headquarters which resulted in them responding with an apology letter on XX/XX/XXXX. They said that they would apply the funds and refund the late fees they had charged me because I have never been late in making a payent. To this date they have not applied my {$18000.00} payment to my load and they have not returned it to y bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander/ Chrysler Capital There was a joint loan taken out XX/XX/XXXX. 

This is account is to old to remain on my credit. 

The account was up to be taken off my credit XX/XX/XXXX. 

I filled for a dispute 11 times and it keep getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 : 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 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
Hello have fortiva credit card wanted it closed told me they closed it then sent new card! When i made phone payment they REFUSED to give me confirmation number we cant do that said they would send email they dont! They wont send a BILL say i have to request one! Switch me to another dept that never picks up now they say im late and are adding late fees Ive never run into this before is this even legal??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
I was in forbearance and tried to make payments during forbearance and was told 3 different times by Collections department that I can continue to make regular monthly payments after forbearance. Now, the loan servicing company is telling me that I have to pay the {$6100.00} arrears amount in full. 
They will list a foreclosure sale data for XXXX but I will list the house for sale on XX/XX/2022. 

I know this will not delay anything but I wish your agency should something about these business practices. The Collections department recorded my conversations with them and typed in notes but every time I speak with someone from Collections department they ask the same questions as two days prior.

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 2022-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In Accordance with the Fair Credit Reporting Act TRANSUNION, XXXX, and XXXX has violated my rights by furnishing accounts on my consumer report without my written instructions. These are the account that was furnished on my report without my consent. 
XXXX Account # XXXX Dept of Education Account # XXXX Dept of Education Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX ( 6 ) accounts same number Dept of Education XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX Transunion Inquiries : Date XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 602 ( A ) State I have the right to privacy.

15 USC 1681 604 ( A ) section 2. State a consumer reporting agency can not furnish an account without written instructions from the consumer. I am the consumer and I have not given anyone consent to furnish anything on my consumer 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 2022-08-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OK

Complaint narrative:
Received email notifying of my account relationship ending on XX/XX/22. They indicated it was " following a recent review of my Checking Account they have made the decision to end our relationship ''. They indicated the account would be terminated today XX/XX/22. I still had some money in the account but they promptly terminated the account not even giving me the rest of the day to move the funds. They terminated it at the wee hours of the morning. This is a XXXX XXXX company so they terminated it at at least XXXX PDT. 

What a bunch of XXXX  XXXX. Not shocking that they probably cancelled me over my political and religious beliefs since they are out of XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Do yourselves and favor and XXXXXXXX XXXX XXXXXXXX  from your banking lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 


Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX 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 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: ME

Complaint narrative:
XX/XX/2022 I spoke to XXXX. I had a deposit post to my account for {$80.00} after covering an overdraft for fraudulent charges in the amounts of {$15.00} twice to the same company. I had {$37.00} available and went into the XXXX XXXX XXXX to pay {$37.00} for gas. I was charged an overdraft fee of {$20.00} when I clearly had sufficient funds in this account. 
I requested they fix the issue and XXXX tries to yank me around like this was my fault. As I stated {$37.00} is less than {$37.00} therefore I should not have been hit an overdraft fee. 
He thanked me for telling him I was filling a complaint against Netspend. Who thanks someone for filing a complaint? 
I would like a refund of overdraft fees relating to the charges the past few days ad I was not responsible for them and can clearly show I had enough funds in the account to cover the charges. 
XXXX said I was being sent to supervisor when indeed I was hung up on.

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 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Good day, today, XX/XX/22, I received a collection letter from I.C. Systems, Inc. detailing a {$630.00} outstanding bill from XXXX XXXX. Problem is, I don't have any kind of business relationship with this entity. I called I.C. Systems and initiated an Identity Theft report. Turns out, whoever is scamming me has my home address, e-mail address, and social security number. I changed my e-mail password, and will contact the credit agencies to keep a watch on use of my social security number, but I'm filing this with you today so that I have it on proper record. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My Wells Fargo credit card account was closed withouht any warning. The car was was an always had been in good standing with the bank. I had ALWAYS made payments on time. I spoke to 6 WF reps on XX/XX/12 regarding this matter. Wells Fargo credit card services even verified that my account was in good status. I was told that my card was closed because I had another account that was closed years ago by Wells Fargo was not in good standing. ALL of my credit card rewards were erased. I was never warned that his may happen. I have been robbed of all of my rewards.I feel that Wells Fargo has tricked me and closed my account simply so they can continue to add illegal interest on my account. I was deceived and prayed upon.

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