vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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 — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
( Citizens Credit Card ) In XXXX XXXX  XXXX I had received an email of suspicious activity on my account that an XXXX XXXX  XXXX  charge and to call fraud services. I called and confirmed that was not a charge I had ever made. Citizens fraud service cancelled the card and removed the charge from my statement and issued a new card. Fast forward to XX/XX/XXXX. Unbeknownst to me my account shows an approved charge of {$10000.00} to XXXX XXXX XXXX I only discovered this after failing to buy groceries on XX/XX/XXXX and my card was declined. I had tried to call fraud services for 48 hours until someone finally answered on Saturday morning! ( I have proof of calls made and time spent on hold ). The gentleman I spoke with said I maxed out my account! Uhh you dont say Im calling fraud services for a {$10000.00} charge approved by your company on an account with a {$2500.00} credit limit. Mind you no communication was ever made. The gentleman said he put in a claim and I was not responsible for that charge. He was not professional and seemed unfamiliar with processing a claim. I called the following day to get a claim number so I could have some sort of documentation, the woman I spoke with said a claim is not on record and she was more helpful and provided me a claim number. She had said that I was not responsible for the amount and that it would not show on my statement. Well I just got my statement and it indeed shows I am still responsible for this amount. I am so disgusted with how Citizens has handled this issue. And under further investigation by myself that {$10000.00} charge that was approved has the last 4 digits of the original card that was supposed to have been cancelled!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: GATEWAY FIRST BANK
State: WA

Complaint narrative:
I am writing to complain about a denial of account opening without proper explanation. At the end of XXXX, I tried to open a checking account online with Gateway. I was denied with a dubious reason, that my " risk profile '' exceeded their policy : " Good afternoon, Upon further review of your application, we are unable to serve your banking needs at this time. The application risk profile exceeded our policy. Gateway First Bank '' I know for a fact that there are no red flags or delinquent bank accounts on file with any credit or consumer reporting agency. Furthermore, I make over $ XXXX and my FICO score is over XXXX so clearly I am no risk for opening a DEPOSIT account, not credit. Gateway owes me an explanation SPECIFICALLY why this account was denied. I expect a Gateway representative to CALL ME with this explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Harley Davidson Financial Services Inc
State: SC

Complaint narrative:
I had cosigned a note with my grandson for a motorcycle with XXXX XXXX, Due to Covid, employment was lost due to the pandemic, I worked with XXXX XXXX to repossess the bike with a verbal agreement they would not hold me responsible. This was over 3 years ago. Since that time they listed it as Charged Off Due to Natural Disaster. The account has been purchased by other organizations repeatedly, Every couple of months they change the wording on the charge off so they can resubmit this and keep it at the top of my report. My score is greatly affected and when I file a dispute and they fix it, it is reported again and moved back to the top of my reports. 

I feel this is nothing more than harrassment from the people who purchase the loans and continually sell the off to another to report it again. My credit is perfect other than this continuing problem with this from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Dear XXXX, I hope this email finds you well. I am writing to bring your attention to a persisting issue regarding the incorrect reporting of my paid-off credit with your company. Despite my repeated attempts to rectify the situation by contacting you, the problem remains unresolved, leading to significant inconveniences and financial setbacks on my part. 

Firstly, I want to acknowledge that I appreciate the assistance provided by your team in furnishing me with a letter to present to the credit bureaus. However, despite submitting the necessary documentation, the erroneous account information is still being reported on my credit report. This incorrect reporting is not only negatively impacting my credit score but also hampering my chances of securing credit loans promptly. 

Furthermore, as a direct consequence of the inaccurate credit reporting, I have been subjected to higher interest rates on approved credit applications. This situation has put me in a disadvantageous position and is causing undue financial burden. It is essential to rectify this issue as soon as possible to restore my creditworthiness and avoid any further repercussions. 

I kindly request your immediate attention to this matter and ask that you take the necessary steps to update the information on my credit report accurately. I understand that resolving such issues can take time, but considering the impact it has on my financial well-being, I urge you to expedite the process. 

Please provide me with a clear timeline for when I can expect the correction to be reflected on my credit report. Additionally, I would appreciate regular updates on the progress made towards resolving this matter until its satisfactory conclusion. 

I trust that you will prioritize this issue and handle it with the utmost urgency and professionalism. Thank you for your prompt attention to this matter, and I look forward to a swift resolution. 

Yours sincerely,

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 2023-06-09 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: NY

Complaint narrative:
I made an online purchase at XXXX. They shipped out my purchase and it was to be delivered XXXX - I got a call from XXXX  around XXXX asking if I got the package and I told them that I did not. the next thing that I know - XXXX  updates the tracking number saying that it was delivered on XXXX and that I signed for it. I called XXXX and the shipper asking for my AUCTAL signature ( you sign a digital pad/or they take a photo of the package on the doorstep ) to this date they still can not do that. I have tried to explain that I work Monday - Friday XXXX and there is NO way that I signed for this package. I was denied over and over... So i called Synchrony Bank and filed a dispute with them. They keep telling me that I signed for this package and they siding with the shipper. All that I am asking for is show me who signed for it. 

Fast forward to XX/XX/2023. I get a letter from Synchrony on XX/XX/2023 that a credit in the amount of XXXX will be credited to my account on XXXX. This still has not happened. I called the bank yesterday and spoke with a Supervisor and he said that no credit will be issued. 

They can not give me a reason as to why they are not honoring the letter that I received. 

I don't understand any of this. Why is it that just because XXXX says that it was delivered and they cant show proof of that - I am out the money and the package. I explained to XXXX at the bank yesterday, that i have never had an issue in the past and that i have purchased more items from that location from XXXX 

I just want this taken care of - I would like the credit that they said was going on my account.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I have several inquiries from One main financial I didnt authorize. I have one from XXXX  XXXX  I didnt authorize and one from XXXX XXXX XXXX that is unauthorized as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
This company called my cellphone 3 times between XXXX and XXXX this morning XX/XX/2023. My phone is set to do not disturb so calls do not ring through during a specified unless they are repeat calls. In this case, with the repeated calls I'm being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
{$65.00} DEBT WITH TRANS WORLD SYSTEM/XXXX BY CHECKING ACCOUNT - XXXX XXXX XXXX 
PAID IN FULL XX/XX/11 .. CALLED TWICE .. TRANS WORLD SYSTEMS REFUSES TO PROVIDE ME WITH A RECEIPT AND KEEPS TELLING ME I NEED TO WAIT I NEED TO WAIT, BUT THEIR SYSTEMS TELL ME THAT IVE ALREADY PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash App took {$240.00} out of my account after receiving a deposit on XX/XX/2023 When I called to rectify the situation I was told that it was for a merchant I used that they had to pay and it left my account in a negative. They claim that the error only appears on their end after I asked for proof and I asked why I can't see the error on my end in the Cash App transaction history, again they said it only shows up on their end. Furthermore, when I asked why the company did not send a text message or email about the error they said I should have gotten it the same day the {$240.00} was taken from my funds. Also, this " error '' happened between XX/XX/XXXX XXXX XXXX, 2023 They offered to send me a Spreadsheet of my transaction history I accepted. The font was XXXX and hard to decipher. I wanted to escalate to an investigation, but I had to agree first to their policy that if they find I am wrong they will close my CASH APP account. It appears that this can be a SCAM and I'm being bullied by a rigged system. If an error appears on their end the consumer should see it in their app. WHAT ARE MY RIGHTS? How do I know if they are not scamming me? How do they add virtual money to my account and I do not see it, and they don't take it right away? If my account was in the negative why did it take a few hours after a direct deposit for the money to be taken from my account? Why did it happen two months later without any notifications about a negative balance? Why do I have to agree to their policy that if I initiate an investigation and I am wrong my account will be suspended? They only see the error and say it is happening to millions of Cash App users. These are agents in other countries. I would like a refund of my {$240.00} there was no error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Select Portfolio Servicing has been Servicing our loan based on an assignment of Mortgage-RE : XXXX XXXX TRUSTEE, IN TRUST FOR REGISTEREDHOLDERS OF XXXX ASSET-BACKED CERTIFICATES XXXX SERIES XXXX-XXXX XXXXT, ( Also Known As- XXXX XXXX XXXX XXXX ) Fact : XXXX XXXX  ACKNOWLEDGE ASSIGNMENT OF MORTGAGE WAS ADDED IN ERROR., On XXXX we called XXXXXXXX XXXX ( Bankruptcy Dept. who handles all XXXX XXXXXXXX XXXX  accounts ) XXXX and spoke to XXXX XXXX Representative XXXX, we asked her how can XXXXXXXX XXXX  add an Assignment of Mortgage if XXXX was not the Noteholder and we advised her of the copy of the Loan Modification making XXXX our Noteholder and XXXX XXXXXXXX was Servicer, as of XX/XX/XXXX and that XXXXXXXX XXXX  sent this information to us on XX/XX/XXXX, XXXX then verified information and then said XXXX made an error, so XXXX then called the XXXX Mortgage Dept., where they verified that XXXX started collecting as Servicer as of XX/XX/XXXX, while on the phone talking with XXXX a Representative from XXXX XXXXXXXX XXXX  ( XXXX ) called me so we were able to bridge her in, who basically verified they sent us our Satisfaction letter, so XXXX then called Select Portfolio Servicing and advised them that XXXXXXXX XXXX made an error, Select Portfolio Servicing Representative XXXX said basically nothing she can do, to contact the Lawyer we advised her we did, so XXXX then advised us to Fax in the Loan Modification and Title Search, Deed info everything to ( XXXX ) XXXX XXXX investigation Dept., research claims # was XXXX ( HLEO ) Home Loan Executive office, to see why it was transferred and the 2nd one was XXXX to Explain Assignment of Mortgage, they officially received XXXX. XXXX acknowledge they were Noteholder and that there is no Lien and they were willing to work with servicer to remove any Liens, we sent information to Select Portfolio Servicing- ( Servicing for Investor XXXX since XXXX ) and to XXXX  - ( XXXX-servicing for XXXX XXXX XXXX  XXXX until XXXX XXXX XXXX There is No Mortgage, No Assignment of Mortgage, No Lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
XX/XX/2003 PNC Bank closed my savings account due to suspicious activity. PNC Bank failed to protect me as an XXXX SCAM victim. Know your customer was not utilized for international wires. No one from PNC Bank approved the international wire transfers. It has been traumatic to me to have both my PNC Checking and Savings accounts closed since I have been a customer of PNC Bank for approx. 10 yrs. Subsequently I had to open accounts with other banks. The international wires stole all of my money from PNC Bank, PNC Bank approved the international wires. Who had access to my Checking and Savings accounts at PNC? How did this happen without PNC Bank approval? My bank accounts should have been audited for suspicious banking? PNC Bank is at fault for the loss of approx. {$700000.00} from my bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION ASSOCIATES, LTD.
State: OH

Complaint narrative:
I received a court document in XXXX of XXXX stating I was being sued and owed {$1300.00} to XXXX XXXX XXXX, which I have never heard of before. It stated my wages would be garnished if it was not paid. I said a loan was taken out in XXXX for {$250.00}. In XXXX I started to file bankruptcy but got a large amount from the VA so I paid off all debt I had and the bankruptcy was dismissed. I have no record of this loan on any credit reporting agencies, I have no emails or records of a deposit from this agency either. When looking over the documents the signature also does not look like mine and Ive signed the same way since joining the XXXX XXXX back in XXXX. This was the first time I have ever heard of the company who was suing me. I do not believe this loan was even given to me. When documents were send over they blocked out the bank account routing and account number and have yet to provide it so I dont even know if it was sent to an account in my name. Looking up information on XXXX XXXX XXXX online they seen to get this complaint a lot. Please help me get this resolved!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Cascade CISS Holdings, LLC
State: MD

Complaint narrative:
I have several inquiries from XXXXXXXX XXXX XXXX I didnt authorize. I have one from credit plus I didnt authorize and one from XXXX XXXX XXXX that is unauthorized as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
In XXXX I bought a car that was financed through credit acceptance. The car was a XXXX at the end of the agreement a XXXX dollar car cost XXXX. They did not check for employment, and they knew that the chances of default was very high. I defaulted on payments and they repossessed the car. Loan amount at that time was XXXX dollars. They sold the car and the debt remained XXXX. They took out a judgement using hyatt hyatt and landua in XXXX Florida. Even after paying XXXX to XXXX XXXX and XXXX  they are garnishing my checks for a total of over XXXX. I have asked for receipts on where I have made payments and they refuse to give them to me. When I asked about the jusgement they said i only owed XXXX but told the judge it XXXX. Something needs to be done about this company and how they work

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 2023-06-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently went to qualify for a home loan and to my surprise an old Wells Fargo Account appeared - this was fine as I am aware, but it was reporting that I was late as of XX/XX/2023 ( last month ). The account was closed, marked as paid, and settled but it is still appearing. Wells Fargo says the can make no representation on how the account appears and Im at a lost.

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 2023-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Multiple disputes was submitted to this agency regarding the debt. Went to original creditor who provided documentation that the debt is no longer owed. This debt collection agency has not stop contacting or reporting inaccurate information to bureaus after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently went to qualify for a home loan and to my surprise an old XXXX XXXX Account appeared - this was fine as I am aware, but it was reporting that I was late as of XX/XX/2023 ( last month ). The account was closed, marked as paid, and settled but it is still appearing. XXXX XXXX says the can make no representation on how the account appears and Im at a lost.

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 2023-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: FL

Complaint narrative:
I asked CREDIT BUREAUS SYSTEMS , Inc to provide time with anything that would validate my debt and they sent me medical records and my treatment information from XXXX XXXX and to that violated my privacy according to HIPAA 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information.

( a ) Offense A person who knowingly and in violation of this part ( 1 ) uses or causes to be used a unique health identifier ; ( 2 ) obtains individually identifiable health information relating to an individual; or ( 3 ) discloses individually identifiable health information to another person, shall be punished as provided in subsection ( b ). For purposes of the previous sentence, a person ( including an employee or other individual ) shall be considered to have obtained or disclosed individually identifiable health information in violation of this part if the information is maintained by a covered entity ( as defined in the HIPAA privacy regulation described in section 1320d9 ( b ) ( 3 ) of this title ) and the individual obtained or disclosed such information without authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation