vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I had a debt in the amount of {$2900.00} from an apartment that my now ex-husband and I lived in. I paid that debt that was on my credit report in XX/XX/XXXX and that debt amount came off my report because it was paid in full. well in XX/XX/XXXX this debt collector came back up on my report for the same amount. I did not know it was in there until XX/XX/XXXX, and by that time my credit score had dropped. I have called them and emailed them my paid-in-full letter and they keep saying they have not gotten it. or they will say that it is under a different account number for the same amount and the same apartments. I don't think I should have to pay again for something that I have already paid off can you please 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 explanation
Consumer complaint received 2022-11-18 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: CA

Complaint narrative:
Looking to get all inquiries from transunionXXXX to be removed they were not authorized by me

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
I joined us bank because I am on the road with my work and needed to be able to deposit through the app or atm/ they would often freeze my ability to deposit causing my account to overdraw- then charging me fines and freezing my ability to deposit anything. 

I had multiple work checks I needed to make sure were deposited- they refused to give me access to look up and told me to put through the app. They granted two checks total lying XXXX then before the checks even hit the payee bank they backed out of my account them demanding the money when they already backed out. Now I dont have any access to accounts and they wont help me on the phone nor branches. I cant open another checking account and they have reported to 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
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I was declined for credit from Avant back on XX/XX/2022. They failed to send me an adverse action notice until 194 days later on XX/XX/2022. This is a violation of ECOA Regulation B timeliness requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: TX

Complaint narrative:
I called Wells Fargo XXXX XXXX XXXXXXXX on XX/XX/2022 to report unauthorized transaction, the young lady advised she would need to cancel my card and send me a new card. I advised that I did not want to cancel my XXXX and did not want to move forward with the request as I need my card for the weekend, she said ok. Not only was my card canceled without my permission 2 days later she did not order me a new card after explaining to how important it was to have my card. This caused embarrassment while try to make a purchase and was done without my consent.

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 2022-11-18 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: CA

Complaint narrative:
Looking to get all inquiries from XXXXequifax to be removed they were not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Looking to get all inquiries from XXXX to be removed they were not authorized by me

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 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist is buying loans, requiring homeowners to open Truist accounts to pay their mortgage, and charge unnecessary late fees when a customer forgets to make a payment. This business practice will increase homeowners chances of missed payments and increase late fees assessed by Truist and is an unethical practice to increase their deposits and active accounts. 

I have used the companies Truist Assist chat bot as well as their 'Manage and pay ' tab ( https : //www.truist.com/mortgage/manage-your-mortgage? tru-tab-select=manage-pay*truisttab-XXXX ) and I end up in a never-ending loop of 'Set up recurring payments ' which prompts you to log in and then you are sent to the main Home Screen. Nowhere does it actually allow you to set up any sort of ACH recurring payment or autopay bank withdrawal with an external source through their website. 

Truist makes it unnecessarily difficult to set up autopay which could disproportionately affect lower income and/or tech-illiterate homeowners. The only way I see to allow autopay is through a mail in/fax form.

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 2022-11-18 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Please see attached scanned forms that will outline the full situation. 


Background : On XX/XX/XXXX ( XX/XX/XXXX ), airline tickets relating to XXXX Trip were purchased on XXXX amount totaling in {$720.00}, these included 2 adult tickets and 2 child tickets ( XXXX XXXX to XXXX XXXX ). In addition, on XX/XX/XXXX ( XX/XX/XXXX ) there was 4 additional airline tickets purchased in the amount of {$590.00} each or {$2300.00} total XXXX XXXX XXXX to XXXX airport ). The total loss that my credit card company ( TD XXXX XXXX  ) denied equaled in the amount of {$3100.00} ( XXXX ). Now, due to the war outbreak between XXXX & XXXX, it was in the best interest of my family to get these tickets refunded as we know XXXX is located in XXXX which is also where XXXX and XXXX are located, it was an unsafe environment to place my family there and would be foolish to do so. Upon contacting the original company ( XXXX ), and even my credit card company with additional efforts since, were unsuccessful, even though " flexible '' option on the airline tickets were purchased. Each attempt at contact has been given run arounds with no resolution in sight. 

The TD Bank case numbers that were opened for Fraud/Return of money include : XXXX XXXX I am looking for a fair and swift resolution to refund the amount of {$3100.00} because this would be the just option for an American citizen, looking to receive only the amount I have been unsuccessful in returning to my account from both the vendor ( XXXX  ) as well as my credit card company ( TD VISA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I purchased a XXXX XXXX XXXX with financing though Byrider on XX/XX/2022 at XXXX. My total payment amount once the car is paid off will be {$33000.00} which is three times the amount the car is worth. I went to the location I purchased the car from and told them I wanted the purchase unwound and that I want my trade car back and my down payment refunded. I have been given the run around by both the sales side and financial side. I was told specifically by the general XXXX that Im not the first person that this has happened to, which leads me to believe that they have done this many times before and deliberately just to make money off of desperate people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XXXX is Reporting a debt from a collection agency named Southwest Credit Systems. I have disputed the claim once and it was reinstated. This collection is a cable/cell phone bill of {$100.00} with a collection amount of {$220.00}. I have called the collection agency and spoke with them for over 1.5hrs and the discovered after many attempts they could not verify any active account with all my personal information provided. I spoke with a XXXX XXXX an account rep @ XXXX she told me there is not active account. I asked for a letter or email of proof and she stated no letter or email statement could be provided because there was no active claim account. I have disputed twice with XXXX and they refuse to remove the negative claim that is not mine. I used XXXX XXXX which is XXXX XXXX have been a customer for 15+ years ask for them to run my info for any unpaid or collection and there is nothing active or delinquent on their end. XXXX This is my last option according to XXXX for resolution. Looking at there credit report I may have fallen victim to identity thief or lumped into a similar name situation as there is an address on my credit report that I don't recognize and a city I have never lived in. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: DC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
BSI, you are now in violation of my consumer rights, BSI has failed to update my mortgage payment in a prompt manner. You are in direct violation of the Consumer Financial Protection Bureau. BSI continues to call me and harass me about a late payment for XXXX when in fact BSI has taken my payment in the amount of {$6200.00} on XX/XX/2022. BSI has received paperwork and proof of payment via e-mail and phone on On Wednesday, XX/XX/2022 at XXXXXXXX XXXX  EST and error is still has not been corrected. Today I have received notice of a late payment charge for XXXX payment which is not correct. I demand that you correct my account immediately. A full complaint has been made to the Consumer Financial Protection Bureau explaining these facts and your companys failure to follow federal guidelines. 

Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX Please make sure I am going to stop receiving calls for payments already collected. 
Please appropriate the funds to my Account Number : XXXX immediately and immediately update your website and records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX i was over charged by {$9800.00}. Bank of america credit card took almost one month to return my funds. They still owe me {$10.00} and have had multiple excuses as to why they can not figure out how or when they'll be returning my finds. I always get a different answer, just a run around. Please help so they can not do this to others 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 monetary relief
Consumer complaint received 2022-11-18 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There is an account being reported by XXXX XXXX  which was opened on XX/XX/2022 with an original creditor as XXXX  in the amount of {$140.00}. I have had this fraudulent account removed several times. Experian is being negligent by reporting this account. I have never done business with XXXX. Experian has not done their part and I'm tired of Experian reporting accounts have not been verified properly or investigated properly. My attorney and I am prepared to file charges against Experian for violating the FCRA.

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 2022-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unverified unauthorized accounts, I am a victim of identity theft and found these reported on my file and since then Ive filed a ftc report and reached out to creditor and XXXX to have them removed but they still reflect

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 2022-11-18 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX are unverified unauthorized accounts, I am a victim of identity theft and found these reported on my file and since then Ive filed a ftc report and reached out to creditor and XXXX to have them removed but they still reflect

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Im having a issue with my TD Bank business account, the ban are now put a alart or hold on the account so that im unable to do any withdrawals or make any kinds of transactions or payment, please remove the alart or any hold immediately, and please contact me at XXXX or XXXX if you have any questions or email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have tried numerous times to have this information removed from my credit report, i have never signed or given them access to place it on my report. This item has been reporting since 2017 and the amounts have been wrong and the dates and also late payments. This is affecting my ability to gain credit further.

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 2022-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Betterment LLC
State: FL

Complaint narrative:
XX/XX/2022 I had two ( 2 ) accounts with Betterment and closed both accounts. In one case the funds were easily transferred to an existing linked account. In the other case the bank refused to transfer my funds to the existing linked account but rather forced me to provide a scanned colored photocopy of my government issued ID as well as a bank statement of a bank NOT linked to my account. I expressed concern submitting such a document and photograph especially regarding an account that was NOT associated or linked to this account. The bank refused to release my funds unless I did so. 

Being forced to produce a government issued ID and a bank statement of an external bank unrelated to Betterment seemed both unfair and high suspicious. Such documents raise concerns for Homeland Security as well. 

Since the bank was able to release funds quickly and easily when I closed one account it did not make sense, they refused to do so on the other account without me providing sensitive information. I now have concerns that my ID and bank statement may have compromised my security and I am suspicious why it was needed. 

I requested for Betterment Bank to release my funds as they did with my other account only a day or 2 earlier but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
my XX/XX/2022 payment has been refused to apply to my loan. the company said it was because the amount was less than required, however my payment was exactly the amount on the statement from the loan company.

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 2022-11-18 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:
The following accounts are unauthorized inquiries not authorized by me i am filing a complaint that these account inquiries be removed : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All incorrect addresses and names should have been removed from my Credit Report. I called XXXX, XXXX, and Transunion in XXXX of 2021, and nothing has happened. I mailed out letters to the above Credit bureaus, and nothing has happened.

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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All incorrect addresses and names should have been removed from my Credit Report. I called Equifax, XXXX, and XXXX in XXXX of 2021, and nothing has happened. I mailed out letters to the above Credit bureaus, and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: Synovus Bank
State: FL

Complaint narrative:
RE : XXXX XXXX opened on XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid " XXXX  XXXX ''. Please see attached bank statement. ( bottom of page 1 ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.

Company response to consumer: Closed with explanation