vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Once again, I find it necessary to complain about a problem I am having with Synchrony Bank, Servicer for Pay Pal, Inc regarding suspected charges ( {$19.00} and {$49.00} for " XXXX  '' ). This time, Pay Pal referred me to a phone number at Synchrony which, at first could not identify my account and subsequently cut off the calls. This is not the first time I have found it necessary to complain about this institution - refer to XXXX ( misapplied payment never resolved ), XXXX ( improper Credit Bureau hard inquiry ) and XXXX ( unauthorized charge ) to name three recent issues. Since I am finding it to be impossible to work with Synchrony Bank, this asks for assistance in obtaining credits for these charges.

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 2023-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: ND

Complaint narrative:
Had an account with XXXX XXXX, it was paid off. Then in 2023 the account popped up on my report as a charge off by citizens bank for the amount I originally financed was approx XXXX that was paid off, then they state XXXX is owed. My credit was excellent and then this hit my score hard. You can see my record is impeccable and this is false reporting that is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I filed for bankruptcy. I called the company on my date and gave the information of my attorney and case number. That was Wednesday XX/XX/23. They took the information. My loan was due on XX/XX/23. My loan amount due was XXXX. On XX/XX/23 I checked my banking account and they did a withdrawal for XXXX. I called again and ask why the charges they said they did not. I gave my attorney and case information again and they stated that they they already had the information. They took more than what they were supposed to. I would like my money back and they go through my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I got a notice of an unauthorized transaction on XX/XX/2023 for a total of {$190.00}. I tried to dispute the transaction as fraud and unauthorized with Cash App but they denied my claim. I then took the complaint to my bank, XXXX XXXX and filed a claim, which was ruled in my favor and I received a final credit for the money that I lost. 

I received a message XX/XX/2023 that I had a negative balance in my Cash App account. Cash App charged me back for that previous unauthorized transaction of {$190.00}. They withdrew {$160.00} that I was unaware of from my Cash App balance and the rest was charged but caused my balance to go into the negatives. I called customer support and they told me that " the Add Cash transaction was reversed and the funds had been removed from your balance ''. They then told me to call my bank for further details. The bank told me that the claim was approved on their end and that it was Cash App trying to charge me back for that {$190.00}. So in the end, I am still losing money for that fraud charge. I called various times to Cash App and they kept repeating the same thing over and over and then at some point they would just hang up on me and even started to ignore me. They told me that there was nothing that they could do on their end and that in order to resolve this issue with the negative balance was to add money or get someone else to send me money. 

I am still being charged for a transaction that I did not authorize. My bank, XXXX XXXX credited me back this amount of {$190.00} but I am still being charged by CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding LLC is out of XXXXompliance. According to 15 U.S.C. 1681e. This collection agency has not provided documentation as to how my information was obtain. 

The account number is XXXX XXXX XXXX XXXX XXXX  XXXX. Midland Funding LLC does not have a license to place collections in the State of Georgia, according to XXXX XXXX XXXX. Please delete this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX You are in direct violation of The Fair Credit Reporting Act ( Truist Bank XXXX ), and has violated several of my rights.

15 USC 1681 section 602 A. clearly states the I have the right to privacy.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

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

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

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 2023-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
I am filing a complaint against mortgage broker XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX accepted a deposit for an interest rate lock commitment without securing it with a reputable financial institution as advertised. Ultimately, I did not receive the advertised rate or terms, nor did I receive my money back at closing. 
Despite my initial hesitancy, XXXX reassured me that the company XXXX XXXX was the investor providing my loan and that I would receive my deposit back at closing. On XX/XX/XXXX, I signed a rate lock agreement and wired him {$3100.00} for a nine-month rate lock at 5.24 % ( expiring XX/XX/XXXX ). I sent him a loan application the next day. However, I did not receive the TILA required Loan Estimate within three business days. 
In fact, I did not receive a Loan Estimate until six months later, on XX/XX/XXXX. The first Loan Estimate document from United Wholesale Mortgage did not reflect the loan product or the terms of the loan we agreed upon months earlier.

Upon receipt of these documents, I communicated concerns about incorrect terms, missing information and my missing rate lock credit, which were ignored. XXXX later claimed the deposit was used to pay discounts points for a lower rate. The final Closing Disclosure on XX/XX/XXXX failed to show points paid and instead added a {$3300.00} fee noted as a " Transaction Coordinator Fee '', questionably, that was very close to the amount of my refundable rate lock deposit. XXXX repeatedly changed the explanation of where the deposit money was applied. In his latest email on XX/XX/XXXX, he called the deposit a fee for real estate services, a clear departure from the original intent. 
As a result of XXXX 's negligence, I was denied the advantage of a rate lock in a rapidly rising interest rate environment. Two weeks before my closing date, I was forced to seek a new lender and to close at a much higher interest rate, which caused me significant financial harm. 
To date, XXXX has failed to account for my rate lock funds and refused to provide a full refund for a rate lock that was never secured. He misrepresented a company called XXXX XXXX as an institution that would be providing my loan. On XX/XX/XXXX, an approval document sent to my builder shows his home address as the company address, a change from the previous letterhead. 
XXXX was dishonest in his communications, breaching contract and failing to provide legally required loan documentation. He violated regulations designed to protect consumers in North Carolina. Although he is a sponsored broker of XXXX XXXX XXXX XXXX, the owner, XXXX XXXX, has denied responsibility or liability for his actions. 
I am writing to bring this misconduct to your attention and seeking a full refund of my rate lock deposit of {$3100.00}. All claims made in this complaint can be substantiated with written evidence. Any sensitive information was redacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I purchased a certified pre-owned Mrecedes-Benz XXXX XXXX in XXXX of 2022, added onto the cost of the vehicle was a prepaid maintenance package that cost {$3100.00}. In XXXX of 2022, someone pulled out of a XXXX parking lot and took the front nearly off of my vehicle. The vehicle was deemed a total loss. I never got to use the maintenance package whose sole purpose was to take care of Mercedes-Benz recommended/routine maintenance such as oil changes and transmission servicing for a period of 3 years from date of purchase. I had no issues with the vehicle besides a window being vandalized while parked on my street that was quickly repaired at Mercedes-Benz . Upon my attempt to cancel this prepaid maintenance package I was told it was non-cancellable, that it could be transferred but not cancelled. I explained I never got to use it, therefore it was not in effect yet, such as with the extended warranty I was refunded for. Mercedes refused to issue a refund for the service package.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I had perfect credit with only on account with a 30 day late ever and I went to check my score with Experian and I think my vindictive ex-wife XXXX that I had removed from my report, reported me as deceased because I had her removed as my wife from my report. I looked into it and in order to legally inform creditors of a person being deceased they must send in a certified copy of my death certificate and since I am alive that would be impossible. I am requesting that it be immediately corrected by my creditors or I will sue under the fair credit reporting act. I understand that evil people can do these things but the safeguards of the Act must be complied with to protect consumers so they are not burdened by these measures. Since of course a creditor would not do this deliberately without an adversarial person making the illegal disclosure, I am willing to waive my claim against them as long as my credit score is returned to where it was before the false reporting of my death. 

/s/XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: CA

Complaint narrative:
I have had ID theft in the past and an unknown fraudulent inquiry is being reported. This must be removed. 

XXXX XXXX inquiry is not authorized and fraud. 

Attached is FTC report, ID, SOCIAL to ensure this is handled properly. Thank you police report records are already on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I cant deliver mail to transunion 's dispute address on their website.

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 2023-04-29 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
My Citizens Credit card ending XXXX was used fraudulently from XX/XX/XXXX- XX/XX/XXXX. I reported the transactions over the phone. Then, one week later I got a mail saying that my fraud claim was resolved. The letter contained only one transaction. I called again to check the status of the rest of the transactions, I was told that the initial agent who submitted the claim selected all the transactions but forgot to submit the rest and she only submitted one of the transactions and that was resolved. Then, the second agent told me that he would open a new claim and submit the rest of the charges on XX/XX/XXXX. Then, on XX/XX/XXXX, I got another claim saying that " We completed our investigation of the following claims : and based upon our investigation we have concluded no error occurred. '' I called the fraud department again after getting that mail, and they told me that they only report fraud, but the claims department makes the investigation and decision. They tell me that that department doesn't have a phone number and they would send an email. Also, agent XXXX told me that the second agent also made a mistake and he chose my card as it was in my possession. I guess that's why my claim was denied the second time. 

Then, on XX/XX/XXXX agent named XXXX from Claims Department called me and he acknowledged the both agents made mistakes and he told me that he would refund me the charges. Next day all the charges were refunded to me. However the other next day all the credits were reversed. 

After that, I have been sending call back requests from the fraud department, but no one calls me back. 

All the charges are still on my account and all the credits are reversed and I am rebilled. I am trying to reach XXXX from claims department,

but he doesnt call me back. There is no one to talk to about this and no way to reach the claims department. We have sent several emails but nothing back from them. I did not make these transactions. Please credit me back the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I saw an unknown inquiry on my Equifax Consumer report. 

XXXX XXXX XXXX, 2023 Please remove this unauthorized information. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have called every day for the past two weeks and I have gotten no straight answer. I have sent my social a cover letter my drivers license. Equifax is making it impossible to lift my fraud alert and Im trying to move forward to buy a house. At this point Im at a stand still. I sent a fax at least ten times. Starting on XX/XX/11. They say my file doesnt exist. That they cant verify my identity. I am beyond frustrated and every time I call they say something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: PA

Complaint narrative:
I transferred an amount from one card to a new card with no apr for 12 months that should have bought my credit card usage down alot XXXX recognized this and bought my credit score back up to XXXX trans union did not as of now recognize the same

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 2023-04-29 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to XXXX XXXX compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Equifax, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Having an awful experience with Wells Fargo Support, i filed a fraud claim against XXXX  on 3 transactions totaling {$900.00}. my claim was denied and im at a loss for words here, the XXXX  account isnt even my name, it literally says " XXXX XXXX '' and i reported the transactions as soon as i realized them. i dont know what else to do but file A CFPB report. Their fraud department isnt doing me any justice so i have no choice. i should be covered by Regulation E for these types of things. 

The claim number 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 2023-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
Had an account with care credit, it was paid off. Then in 2023 the account popped up on my report as a charge off by XXXX XXXX for the amount I originally financed was approx XXXX that was paid off, then they state XXXX is owed. My credit was excellent and then this hit my score hard. You can see my record is impeccable and this is false reporting that is damaging my credit.

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