vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
They show me having a late payment on XX/XX/2019, however a representative was helping me set up auto pay and did not set it up correctly making my payment late. I did call and nothing was fixed on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have reached out to all XXXX credit agencies but was not resolved. I have been violated according to the laws of the FCRA which states, " I have the the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information, I have the right to ask that a consumer reporting agency block that information from your file. '' I have filed a report with the consumer federal trade commission as well and I have attached that report to this complaint as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 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: WI

Complaint narrative:
I have reached out to all XXXX credit agencies but was not resolved. I have been violated according to the laws of the FCRA which states, " I have the the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information, I have the right to ask that a consumer reporting agency block that information from your file. '' I have filed a report with the consumer federal trade commission as well and I have attached that report to this complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In reviewing my Experian report I noticed multiple accounts that do not belong to me.I have contacted Experian and they are doing nothing about. this issue. The accounts in question are XXXX XXXX XXXX, XXXX XXXX? XXXX XXXX, XXXX? VT. I spoke with XXXX in the Special Services department and was assured this matter was going to be habdled. It still has not been handled.

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 2022-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SERVISFIRST BANCSHARES, INC.
State: AL

Complaint narrative:
I bank at ServisFirst. I am missing {$6800.00} from my account. They're located on XXXX XXXX XXXX XXXX XXXX Alabama XXXX. I just learned about it today

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The Bank of America ave us a schedule of payments and then they changed them by sending monthly notices shown different amounts. Sometimes they were higher and sometimes lower.We always paid the scheduled amount. As a result in some cases we underpaid and some we overpaid The overpaid money went to pay down principle and the underpaid amounts were given a late charge. We paid all these extraneous over charges separately. We want back the amounts paid to principal immediately and while they keep sending us statements I have no proof that they returned the money to me that was used to pay down principal. Because of this I may not have enough money to pay the regular mtg payment Thank You

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 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I am a consumer and natural person. I have sent out a Cease and Desist to Dynamic Recovery Solutions LLC XX/XX/2022, they received this correspondence XX/XX/2022. They have not acknowledged nor sent me any information to validate this alleged debt. They have continued to call me without my consent, after receiving said correspondence in attempt to illegally collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NM

Complaint narrative:
At the end of XXXX, 2021, two unauthorized, unidentified charges were made on my Chime bank account. In early XXXX, the moment I saw them I reported them as unauthorized and disputed them. Chime 's customer service stated it verified the charges as accurate and refuses to credit them. 
I requested documentation that was used to reach their decision. The " documentation '' provided to me was essentially nothing ; they only gave me a document from their own internal system, saying, " POSSESSED CARD AT TIME OF PURCHASE : YES UNAUTHORIZED CARD HOLDER PIN LOCATION : NOWHERE '' They have refused to comment further, despite my many, many repeat attempts to discuss this " document '' with them. The document simply says that it was not a POS transaction ; it was an ACH type of debit transaction made from my account. They are suggesting that the fact that it was an ACH type of charge is proof against my dispute, and that makes no sense. 


These charges were not authorized whatsoever by me, and I am requesting they be reversed and credited as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I co-sign a student loan for a family member. They started to get repayment statements before finishing college. They tried to defend the payment but the bills continue coming and they unable to make any payment on the loan. That was back in XXXX. The debt was several time through out the years. XXXX XXXX XXXX XXXX XXXX has law suit against me to garnish my wage has the co-signer which I can not afford. I am a XXXX year apprentice program. 
This is a old debt that was charge off by the original company. If I had the money I would try and settle with them but I dont have it. Please advise if there is any other option I can take. I think it should be against the law for the practice of buy debt that has been charged off for pennies on the dollars to sue for these outrageous amount of money plus all interest for all these years.There is no protection for us against these debt buyers. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: MS

Complaint narrative:
I filed an identity theft report with the FTC. I have made repeated attempts to have this information deleted from my profile which was not authorized. No one is helping me and no one has communicated back to me after over XXXX attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: LendingPoint Holdings LLC
State: AL

Complaint narrative:
Someone did a hard inquiry on my credit XXXX XXXX and it says there is an installment loan but it does not belong to me! 
I tried to call the company listed and if the and it belongs to a rewards program and there is an automated message and then it hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: Affirm Holdings, Inc
State: MO

Complaint narrative:
XX/XX/XXXX Affirm charged to my XXXX account a fraudulent hotel charge. One payment was automatically charged. 
I notified them numerous times this charge was fraudulent. Have NOT received documentation or any supporting documents, only notices that my account was delinquent. 
They have not tried to resolve issue, but have degraded my credit report. 
On XX/XX/XXXX I filed a FTC report regarding a serial internet hacker who possesses a $ XXXX patent for internet security. I feel confident, with not only this issue but others, that I am repeatedly victim to this PREDATOR. 
Unable to sign-in to FTC account , password recovery does not appear ( redirected ). 
Need personal representative help/assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
I submitted a partial payment via wire at XXXX and I have the receipts of the proof. I had to pay the remainder of my mortgage home payment to Caliber Home Loans, and none of the representatives told me I couldnt go through XXXX at the time. Caliber gave me their wire information with the account number and routing number with the financial institution they go through. I wired the payment through XXXX and somehow caliber has not received it. When their bank verified the payment was received. I went back to XXXX to get my funds refunded to me, and they wasnt able to do so. Caliber Home Loans reported to the credit bureaus I never made the payment even though I have the proof the payment was made by the XXXX to avoid negative credit reporting. I had to file a dispute with XXXX because it is on my credit. Keep in mind, the year of 2022, some representatives will take partial payments over the phone, and others wont. Ive had to argue with them about taking my payment over the phone. Some are rude about it & wont even check my status of past partial payments Ive submitted to them via phone. I have several times requested I speak to a supervisor, more times than I can count on this issue. They refuse to transfer me or they will not have them return my call. I have the print out of receipts that I have submitted the funds before the XXXX. To this day Caliber is saying they have not received my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hi, I am contacting the CFPB on behalf of SYNCB/Care credit under account # XXXX. There are wrongly reported late payments for XX/XX/XXXX, and XX/XX/XXXX, please see the enclosed documentation.

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 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
ENHANCED RESOURCE CENTER CALLED ME TO MY PHONE NUMBER XXXX FROM THEIR PHONE NUMBER XXXX. IT TOOK SEVERAL SECONDS FOR THE REPRESENTATIVE TO COME ONLINE, A TEL TALE SIGN OF AN XXXX. THEY REFUSED TO GIVE ME THEIR ADDRESS ( I WANTED TO DISPUTE THE DEBT THEY WERE ATTEMPTING TO COLLECT. THEY REFUSED TO GIVE ME THEIR XXXX POLICY WHEN I REQUESTED IT. I ASKED IF THEY WERE CALLING ME FROM INSIDE THE UNITED STATES, THEY TOLD ME NO. I ASKED HOW MANY TIMES HAVE THEY CALLED ME, THEY TOLD ME ONCE A DAY. THEY USED A SPOOFED NUMBER TO CALL ME FROM. 
THEY VIOLATED THE FDCPA, TFC SECTION 392, TCPA SECTION 227, AND DTPA ALONG WITH TBCC SECTION 302.301. ( See TBCC 302.302 ). THE TBCC CARRIES A {$5000.00} PER VIOLATION STATUTORY PENALTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX  account # XXXX, Online Information 's account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Department of Education account XXXX XXXX XXXX XXXXt account XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX and XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy. 

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

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 2022-04-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXl account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Department of Education account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX XXXX and XXXX XXXX Bank XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Around XX/XX/XXXX, I applied for a HELOC with Union Bank. They told me that they felt my house would appraise for the amount I requested and that it should close within 30 days. 

At the same time, I applied for the same HELOC with another lender to see which institution could provide better terms. 

Union Bank 's process was difficult and there were long wait times between communication points. The person that I was assigned to said she didn't receive voicemails and emails that I and her co-workers sent her. 

The appraisal that Union Bank ordered came in and it was not sufficient for the amount we needed. The appraisal from the other lender came in much higher and that lender was able to help us with the amount we needed. The other lender asked us to provide written confirmation of cancellation. I requested this with 3 people at Union Bank and did not receive it.

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 2022-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I filed XXXX XXXX bankruptcy in XXXX because I was being evicted from my apt . I paid what I could through the XXXX  XXXX. In XXXX my bankruptcy was coverted to a XXXX  XXXX due to hardship because I had a XXXX XXXX XXXX XXXX XXXXXXXX and declared a hardship. It was discharged six months later XX/XX/XXXX XXXX bankruptcy mostly contains XXXX  loans from XXXX. After discharge, my loans remained and my car was repossessed. Now my loans that I expected to be discharged through hardship has been transferred to AidAdvantage. I'm social security XXXX of XXXX per month and I have to pay for my own medical treatment. I can't pay my own rent right now. I'm in over XXXX in student loan debt right now. And my I have no degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: U.S. BANCORP
State: FL

Complaint narrative:
I've been a victim of fraudulent activity on my credit account that happened to be opening a fraud accounts under my name that doesn't belong to me. 
Date Fraud Began : XX/XX/2021 Amount : {$9200.00}

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 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  every week for the last month - XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 has attempted to review my credit history. 
I NEVER CONTACTED THEM NOR HAVE ANY CONTRACT WITH THEM TO PULL MY CREDIT REPORT. XXXX XXXX is committing fraud by pulling credit information randomly picking names without any approval from the consumer. Please force cease and desist order. Thank you.

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 2022-04-07 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 Center, LLC
State: CA

Complaint narrative:
My son had an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The team 's medic called for an ambulance and he was taken to XXXX XXXXXXXX XXXX ER XXXX XXXX XXXX XXXX There were XXXX separate bills for that event : The ambulance, ER visit, doctor, and XXXX. I had private insurance ( primary ) and I was told to file a claim with the school 's insurance company ( secondary, ) which I did. As I got the bills I called the hospital and was told to wait until both insurance companies paid, and that then I would get my bill for the remainder. I paid the ambulance in full and put the other bills on a payment plan. During the time I was paying off the balance, XXXX Hospital changed companies in charge of payment/billing and that's when mistakes started to happen. Payments that I was making to one account got credited to the wrong account. The hospital 's bills to me didn't reflect the secondary insurance payments which were made -- and I had confirmation numbers from the secondary insurance company to prove it -- but they only noted the primary insurance company 's payments. I was in touch with both insurance companies and the hospital during this time trying to correct the records. I finally confirmed with all parties that the bills were paid in full and filed away my records and copious notes. Thankfully I kept all of them because in XXXX I got a notification from my credit-monitoring service that I had a new negative report on my XXXX credit report from a collections agency in XXXX XXXX ( CCI. ) I had no idea what this was for. ( My credit score is over XXXX. I have no late payments on any of my credit reports from all 3 agencies. ) I was told the collection was for XXXX XXXX. Here is where the action was improper : I had no communication from either XXXX XXXX or CCI that this bill was due or that it was going on my credit report. In fact, if I didn't pay for a credit monitoring system, I would not have know this was on XXXX. I talked to the manager at CCI countless times, emailed him proof that the hospitals billing company had not entered the secondary insurance payments, and he admitted that I should've been notified before this went to XXXX. He said as a " courtesy '' he would take the stain off my record, to which I replied, " it's not a courtesy, it's your obligation, and you harmed me in an unlawful way. '' To make matters worse, I just got another bill from CCI for over {$200.00} for the XXXX Hospital bill. It isn't itemized, it's just a demand that I make a random payment. After everything I've been through with them I don't trust nor believe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I previously requested from the mortgage Servicer PHH Mortgage Services a complete escrow analysis and the servicer has not provided me the requested analysis and as to why my mortgage payments are increasing. I contacted the XXXX County Assessor 's office and was informed that the assessment on my property has not increased I then contacted my insurance company and they indicated that my policy had no increases. I sent a Qualified Written Request requesting a complete escrow analysis and the servicer has refused to provide me the reason for the increase on my mortgage payment. To this date the PHH Mortgage Services has not complied with my request dated XX/XX/2022 Titled Qualified Written Request for Information & property tax escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
XX/XX/2022 and XX/XX/2022 My application was denied and processed as fraud as I was trying to change my name to my legal name and/or cancel the application and start over. They still did a hard inquiry when I asked them not to until I was able to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation