vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: FL

Complaint narrative:
I received letter dated XX/XX/XXXX, related to student loan debt from XXXX, XXXX XXXX XXXX Co, XXXX. Within 30 days, or on XX/XX/XXXX. I wrote to them to let them know that I disputed the loan was past due. To date, I have not heard from them. The same date, XX/XX/XXXX, the loan was reported to XXXX  credit bureau as a collection account. 

I made several attempts and provided documentation to XXXX  to get the collection status removed as I had it removed in the past with previous debt collectors. XXXX  representative XXXX XXXX XXXX, on XX/XX/XXXX XXXX stated that they could not provide me with information on how the debt was verified and that my option to contact Customer Financial Protection Bureau. 

I would greatly appreciate your assistance in resolving this issue. I was paying the loan as agreed and fell behind because of my ongoing divorce matter. The payment sent was returned to me while I have another student loan that is current in payment with the same lender, XXXX  XXXX. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2021-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
This bank allowed these fraudlant transactions on my account and they refuse to even credit me money for recompense. 

XX/XX/2021 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX dollars and XXXX cents {$0.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX  XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX XXXX dollars and XXXX cents {$250.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX dollars and XXXX cents {$500.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX XXXX dollars and XXXX cents {$750.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX dollars and XXXX cents {$1000.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX  XXXX XXXX  NY Amount : negative XXXX XXXX XXXX XXXX dollars {$220.00} Running Balance : XXXX XXXX, XXXX XXXX XXXX dollars and XXXX cents {$1200.00} the above transactions to take place on my account. This is so obviously fraudulent activity and it totally depleted my account, and you tell me it will take 10 days to investigate and get back to me. This is so obvious lack of concern and lack of caring,. Its a textbook case of XXXX. I know lots of XXXX customers. Youll be losing mine and their business very soon.

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 2021-07-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of identity theft and my personal information has been used to open several accounts and more attempts made to get credit. I have included the police report & identity theft report. Please permanently delete these things from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF THE WEST
State: MS

Complaint narrative:
Paid loan off early per information provided by company. Received a letter from company thanking me for my business and even said I was due a refund due to a overpayment. This was XX/XX/2021. Yet the collection department keeps on attempting to draft payment after this and even adds late payments and reports to credit agencies that I am late. Their departments can not coordinate and my calls to the company go nowhere. They say that regardless of a letter and cashed payments from the document dept. I own several XXXX dollars and cant seem to provide any monetary breakdown to show how they come to this amount.

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 2021-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
I closed on the purchase of my home in XX/XX/XXXX. With the economy if XXXX I was able to refinance my home to get a much better rate and payment. After comparisons I chose to refinance with my same lender Cardinal Financial that refinance closed in XX/XX/XXXX. At the end of XXXX I was notified by the county to pay additional supplemental taxes not covered by my lender, which i paid in the amount of XXXX. In XXXX of XXXX I was notified that my house payment would be increased from XXXX toXXXX after an escrow analysis was done on my account due increased taxes. After contacting my company and requesting reanalysis I was notified that my payment would actually be increased from XXXX to XXXX for the remaining 29years left on my home loan and I would need to pay an additional XXXX to my account up to date. The company states during my refinance upon request the county quoted them my property tax at XXXX bi annually but later after closing when the bill came in my property taxes were billed at XXXX bi annually causing the difference. Those wrong numbers were put into my contract by mistake. After contacting the county they state and I have printed proof that my property tax changed in XX/XX/XXXX three months before my closing and the estimate they used of XXXX was only valid from XXXX of XXXX to XXXX of XXXX not through XXXX. Not updating the proper numbers and changing the terms of my loan now has taken any opportunity to continue negotiating before closing or choosing a different lender to refinance with. I believe these actions/inactions breach our negotiated FHA contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX  account # XXXX {$700.00} ( XXXX ) Ive never done business with this company or entered into a signed contract. This account is fraudulent. 

2. XXXX XXXX XXXX account # XXXX {$920.00}. XXXX XXXX XXXX Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent. 

The following inquiries are fraudulent 1. XXXX  XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX 8. XXXX  XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My identity was stolen

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 2021-07-05 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: NY

Complaint narrative:
My identity was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
After reaching out to Venmo several times before having my funds deposited into my account Venmo told me I was able to receive the funds they knew the amount, the depositor and the reason for the funds and I was told it was ok to have such funds deposited into the account. As soon as the funds was deposited they froze my account without telling me why.I have filed a complaint with the FDIC and I hope they don't send these funds back to depositor because it will lead to litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I was pregnant and was put on bedrest due to being XXXX XXXX XXXX. My payments failed behind due to lack of work with my XXXX. I had my son in XX/XX/XXXX. I called in XX/XX/XXXX to get my account back in good standing. So I only had late payments from XX/XX/XXXX - XX/XX/XXXX. I went back to work in XX/XX/XXXX but then XXXX hit in XXXX of XXXX and I still made payments on time during Covid. 

I was making on time payments and using the card after XX/XX/XXXX. I tried to use my card in XXXX of XXXX and the card was declined. I didn't know my account was closed in XX/XX/XXXX. Since then the company has been reporting my account with current late payments. I have called and asked why was my account close and the only thing I received was a copy of my credit score. The letter did not tell me why my account was closed. This company is affecting my credit report with these late payments. I have asked to speak with a supervisor and they said they can not put a supervisor or manager on the phone. I spoke with a rep on XX/XX/XXXX and she stated if I made a payment the account would be reopen and the account is still closed. 

I can not access my account or do anything. Why is the company reporting recent late payments on a card that has been charged off? Its bad enough people have to deal with the issues with Covid19 and then the company is making your credit look bad by reporting inaccurate information. 

Company : Comenity Capital Bank/My Children 's Place Credit Card XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
My car was repossessed on XX/XX/XXXX or XX/XX/XXXX after bankruptcy was discharged on XX/XX/XXXX. The vehicle, a XXXX XXXX XXXX financed with GM Financial, was included in the Bankruptcy and the last payment I made on the vehicle was XX/XX/XXXX. I did not receive any notice that the loan reaffirmation was not approved and I did not receive any notice that my vehicle will be repossessed for amount owed before/after bankruptcy. I called GM Financial on XX/XX/XXXX to see if there is any option to get the vehicle back, but the GM representative who helped me said I have to speak with a certain center handing my account that might not be there because of the holiday. I asked for the phone number of that location in case they are not available, but she declined giving me the contact number saying I would have to leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian received a call ( SEVERAL ) When they answered the call in regard to the access to online reports that are free that has trouble signing in they responded with an email that was time sensitive ( must have been 15 seconds, I was on the phone with them in the process as he commented and disconnected the conversation ) XXXX is the number after all the verification involved. I had reset my password for this free account the week prior do to having trouble with there web site it worked fine. Today they gave me a song and dance on a reset as you can see from there reference number above and told me on the phone that is all they were going to do for now then hung up on me after trying the reset with in seconds it denied me again and every time I called after our first conversation and I give the info IE the social security number the system hangs up on me. So I have hired an attorney to look into the suspicious activity as a preventive action to fraud However, there actions indicate that they are attempting to force consumers into there paid program which defaults the free report from Experian through there credit card services they offer and into a paid or none access.

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 2021-07-05 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
on XXXX XXXX & XX/XX/XXXX XXXX i received numerous notifications that their has been numerous inquires made to my consumer credit report in which i had know knowledge of, issued by the following companies : credit acceptance on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX  on XXXX XXXX and us small administration on XXXX XXXX XXXX : Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave these credit acceptance on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX and us small administration on XXXX XXXX. written consent to report anything on my consumer report, NO consent is identity theft .and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )

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 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MoneyLion Inc.
State: DE

Complaint narrative:
Moneylion is violating my federally protected consumer rights and unfairly impacting my credit for an account I never opened. The phone number and bank account attached to that account do not belong to me. I have disputed this account numerous times to no avail. Please see the attached Affidavit of Truth and invoice. I am invoking remedy pursuant to 15 USC 1692. Moneylion is liable for {$1000.00} per violation in addition to fees relating damages sustained to my personal reputation. I have submitted a police report to XXXX  documenting the theft of my identity documents and I was apart of the XXXX data breach. Moneylion has made no reasonable effort to actually investigate whether this account is mine or belongs to someone else. They only assume that it is mine because its listed under my name and address. Whoever signed for this account was not required to provide an actual signature, only a TYPED digital signature for which they can't even provide a digital certificate proving that it came from a computer belonging to me! The person who signed for this account was obviously not required to provide any identifying documentation ; no picture of my license or ss card and MoneyLion allowed them to open an account in my name. The ESIGN act states that there must be evidence of the signers intent to execute or accept the agreement & a record of the electronic signature must be created at the time of execution and must show the process by which the document was accepted by the signer. Moneylion is required to have the appropriate authentications and certification to prove that I signed an e- agreement with them which they do not have. They've provided a document with a typed signature which they could have created themselves. ANYONE can type a name on a computer, this is not verification of an account belonging to me. 

Because I have stated that this account is related to identity theft under 15 USC 1681c-2 it was to be immediately blocked from any consumer file but it remains. This is my final time requesting that this information be removed from my credit report before pursuing further legal avenues. This is not the first time that Moneylion has been accuse of fraudulent and deceptive practices ; see the class action lawsuit DiCarlo V MoneyLion as well as the growing number of XXXX XXXX XXXX Complaints against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
They claim I missed my XXXX payment. Spent hours on phone. Sent bank statements showing that check was processed with check # and dates when sent and when it went through my bank. Last billing statement had 2 different payoff amounts which we were told is wrong and gave us yet another figure. Told us we needed to send payoff amount to a different address. We told them yes is with the billing statement which they said no, that's not right either. They want me to send in more money for XXXX and they owe me money now. If I send what they say they want me to send in to save my credit score I will have over paid over XXXX dollars. Help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
AR RESOURCES INC, XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX keeps reporting a medical debt. They have NEVER mailed me any notices about any outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
My employer XXXX XXXX XXXX XXXX executed an unauthorized debt from my bank account at USAA FSB. The bank allowed the unauthorized debt to be executed even though there were insufficient funds in the account and transferred funds from a secondary account to fund the transaction. The bank 's overdraft policy is problematic in that it transferred money to satisfy the ACH Debit but it doesn't transfer funds to cover day to day debit card charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have been having problems with this for months now, I keep calling and am being told that I have paid my balance and do not owe anything, yet I keep getting emails stating that I owe.I have been having problem with this account for some time and nothing is being resolved. Is a matter of fact my credit has been ruined because of this. Evertime I call Pay Pal they tell me I owe nothing, which I know is true, my last balance was for {$80.00} ( +- ). 

Following is an account of the times I have called, that I took notes of : XX/XX/2021 Called Pay Pal and spoke with XXXX, put me through wih Synchrony Bank, was told to give it a couple of days to clear, sounded sketchy but I agreed. 

XX/XX/2021 Called XXXX XXXX XXXX I spoke with XXXX who transfered me. I was told that I did not owe anything, that my balance was XXXX. 

XX/XX/2021, Finally called XXXX  and spoke with XXXX and said I could make a dispute at XXXX XXXX, ext. XXXX so they could help me. I spoke with someone named XXXX, I believe, he wanted my complete S.S. number, I told him that I was uncomforable giving my whole number, I told him I had called before and was asked for my last four numbers. I assume he did not like my answer beause he would not talk to me anymore. I could hear he was still on the line but he would not answer me, so I had no other alternative but to hang up. 

XX/XX/2021, Received letter from Synchony Bank called XXXX XXXX XXXX gave my phone number twice and my S.S. twice and was told that they could not find any account with that information. 

I sincerely pray that someone can help me with this mess. I am a retired woman of 70 years owe, to me, my credit is all I have going for me and for it to be taken from me would be desvating since my credit is what gets me through. 
I would appreciate it very if there is help out there. 

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 monetary relief