vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
1. I opened a savings and a checking account with a bonus of {$250.00} for the checking and {$50.00} for the savings. I received {$200.00} for the checking. I filed a complaint with the CFPB three months ago and have yet to receive a response. 

2. I tried to close the account by sending myself a bill pay and they never processed the bill pay. Great thing they provided me with ONE check that I wrote to myself to close both accounts. 

3. I tried to close my accounts and because I have .XX/XX/XXXXXX/XX/XXXXthey asked me to donate my monies to them to close my account. Not only did they short me {$50.00} now they want to keep my interest. It will cost me more to drive there to get .XX/XX/XXXXXX/XX/XXXX. I want my savings account closed and a check issued. I called on XXXX to close the checking account. Please confirm that it has been closed. 

4. Please send the correspondence relating to the CFPB complaint on my {$50.00} and closure of my account to my home emailing address on file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
On XX/XX/XXXX I received a notice on my XXXX XXXX that a credit report inquiry was completed on me by Synchrony Bank. I contacted Synchrony Bank XX/XX/XXXX requesting that this hard inquiry be removed as I did not apply for any type of credit through them. They advised it was for a retail credit card for the XXXX XXXX and marked it as fraud on their end and will send me the appropriate paperwork to complete to have it removed from my credit report. 30 days go by and I dont receive the paperwork so I contact them again and was advised they had the incorrect address for me. In XXXX XXXX they said they would send notification to the credit bureau to have it removed and nothing further is needed from me. They said it would take up to 30 days. XX/XX/XXXX they said no form was submitted to XXXX XXXX to have the inquiry removed, so they confirmed that it was done that day XX/XX/XXXX, however, no confirmation number could be provided. I submitted a complaint with the XXXX  in which Synchrony Bank advised it would take up to 60 days for XXXX XXXX to correct. It has now been over 60 days an the inquiry is still reflecting on my credit report. Over the course of 5-6 months, I've been lied to by this company and they have done nothing to make up for the fact that they have failed. I don't trust that they have taken care of this fraudulent credit inquiry as it still shows on my credit report. Their lack of urgency to address and correct this issue is negatively impacting me financially as it inhibits my ability to secure 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 2021-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/2021 I paid my balance in full on my Macys.com card run by Citibank. The balance was small, In XXXX I receive a statement that I am late on a payment - I noticed a {$2.00} balance. When I researched the item it appears that Macy 's added a {$2.00} fee to my account in XXXX, I did not receive a XXXX statement that showed a {$2.00} fee, the first statement I receive shows that I am past due. After searching on line it appears that this is a practice for Citibank to add a {$2.00} fee if your account is not paid in full by end of the month. I have paid my account in full in the past and have not had this {$2.00} fee assessed. I paid the fee, but am very concerned on how deceptive this fee is, and the impact that this could have on my credit report score.

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 2021-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/XXXX there was no check return and their was never an agreement for an overdraft protection and the credit card company XXXX XXXX credit charge my account {$430.00} for service we did not ask for nor was their a bounce check in XX/XX/XXXX and there was never a bounce check and we believe bank defraud us out {$25.00} off the cost of the credit after paying the claim for overdraft that they mistakenly applied to the credit card to occur fees and interest.

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 2021-04-08 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I previously disputed a tradeline held by the collection agency XXXX for the creditor XXXX/XXXX  in the amount of {$300.00} on my XXXX report on XX/XX/XXXX. On or around XX/XX/XXXX the results were completed and the tradeline was properly removed as inaccurate credit reporting. On XX/XX/XXXX, the XXXX/XXXX  account was transferred to Waypoint Resource Group who reported the same XXXX/XXXX collection account for {$300.00} on my XXXX  report, which I disputed. However, XXXX refused to remove the same tradeline after the dispute was completed on XX/XX/XXXX. Pursuant to 15 U.S.C. 1681i of the FCRA, XXXX  is required to immediately remove the tradeline or face civil liability for willful noncompliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am in need a receipt for the wire transfer that I completed over the telephone with SunTrust Bank. I was unable to do the wire transfer in person at any of the SunTrust bank branches near my office because all of the mangers were on vacation and no one was authorized to do a XXXX wire. I had to do my wire transfer over the telephone and after doing the transfer I was instructed that in order to get a receipt the branch that signed me up would need to sign me up to receive notifications. I then called the branch, the branch transfered me to customer servicie and customer service then transfered me back to the branch. The branch manager was extremely rude and stated she could not help me. No one had any information for me. I need a receipt for this wire that shows what account the money went to. My confirmation number is XXXX. The branch was the XXXX XXXX in XXXX Georgia that refused to assit.

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 2021-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/27 a representative from XXXX XXXX visited our home to quote a replacement window project. Towards the end of the visit my spouse and I told the representative that we're still shopping around and not committing to anyone yet for the project. The representative recommended we do a " soft '' credit check so if we decide to go with them, it will streamline the process for financing. We agreed again stressing it was for only a soft check. Less than a week later, I received in the mail from Wells Fargo a XXXX XXXX  credit card with a $ XXXX line of credit and account agreement. I closed the account with Wells Fargo and requested a Bureau dispute as we did not agree to open a line of credit. This compliant is to report misleading sales practices with XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 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: ERC
State: PA

Complaint narrative:
I check my credit today at XX/XX/2021 and my credit dropped 80 points. Enhanced recovery company destroyed my credit. I called the company and explain to them that I did not live at the address that they said that the person that had the account. I did not open this account therefore I should not be responsible and my credit should not be destroyed because of somebody else. The person that use my Social Security number needs to be in prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: IL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX  XXXX  opened an account in my name. I do not remember opening said account and have reason to believe it is FRAUD. 

As of XXXX, this acct has been reported to collections with XXXX XXXX for {$630.00}. Which is badly affecting my credit score

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 2021-04-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XXXX I sent a letter to all three credit bureaus about an account that I believed to be reporting incorrectly. I sent that letter via mail and still have not received a response back. I don't feel as I am liable for this debt due to the fact that it's not only reporting incorrectly but the bureaus are unable to provide me with anything on how this account was verified.

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 2021-04-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XXXX I sent a letter to all three credit bureaus about an account that I believed to be reporting incorrectly. I sent that letter via mail and still have not received a response back. I don't feel as I am liable for this debt due to the fact that it's not only reporting incorrectly but the bureaus are unable to provide me with anything on how this account was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I have/had an account with Credit Acceptance and I had file a chapter XXXX wager earner. the following year i had drop it and start paying out of pocket again. But later, I notice the had a repo on my credit report but I was paying and driving the car. And it was showing closed. Now, they reopen the account on my credit and mark it as a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have/had an account with XXXX XXXX and I had file a chapter XXXX wager earner. the following year i had drop it and start paying out of pocket again. But later, I notice the had a repo on my credit report but I was paying and driving the car. And it was showing closed. Now, they reopen the account on my credit and mark it as a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TN

Complaint narrative:
XXXX Dovenmuehle Mortgage has collected money through our escrow payments related to the Loan XXXX and saying that they paid the tax disbursements to the XXXX County tax office , it is also reflecting on XXXX sent by XXXX Dovenmuehle Mortgage for XXXX however the XXXX county tax collectors office is saying they never received any payments from XXXX XXXX Mortgage , and the county tax office is asking for the proof of the payments ( front and back of the check ) payments made to the address and also the property address and to the parcel it was made, XXXX Dovenmuehle Mortgage is not providing any proof and the company is avoiding to pay the money back to us. 
We have written several emails, called customer support who are very impolite, and also faxed the letter received from the county for the non-receipt of the payments. The loan is transferred to the XXXX XXXX XXXX  XXXX XXXX and they are also not providing any proof of payment or the property address to which it was made or to where the payments were sent, we need this to be resolved legally or through the normal process, this incident has occurred on XX/XX/XXXX of XXXX and it is almost six months and the mortgage company is not ready to resolve the issue, this is very unfair and the mortgage company is not bothered or ready to resolve the issue Please see the message received from XXXX Dovenmuehle Mortgage : We received your inquiry, dated XX/XX/XXXX, regarding your county tax disbursement. 

Our records indicate that a county tax disbursement in the amount of {$3300.00} was made to XXXX County on XX/XX/XXXX, via check number XXXX. Please note that when we send out tax checks, they usually are in a mass bulk check, containing multiple borrowers payments. For this reason, we are unable to provide copies of these checks. Please follow up with your county regarding this payment. 

Message from the XXXX County Tax collector office : XXXX XXXX XXXX XXXX County Trustee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX. XXXX  XXXX XXXX, TN XXXX XXXX XXXX : XXXX XXXX Property Taxes for XXXX XXXX XXXX XXXX XXXX, TN Parcel ID # XXXX Dear XXXX, I am enclosing a paid in full receipt for the XXXX taxes for XXXX Elk XXXX XXXX XXXX We have received a single payment from XXXX, check # XXXX, on XX/XX/XXXX. No duplicate payment from Dovenmuehle Mortgage has been received. I spoke with our Corelogic Tax Service representative and Corelogic did not receive a payment from any mortgage company this year, as they have in prior years for this parcel. 
Please let me know if you need additional information or assistance. You may e-mail or call our office at ( XXXX ) XXXX. 
Sin.c-e-rely,  XXXX  XXXX XXXX, Trustee c_, ~

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE

Complaint narrative:
My mortgage was recently sold from XXXX XXXX to Carrington Mortgage Services , LLC . I logged into their site only to find that they charge " convenience '' fees if payments are made online or over the phone. I find this practice to be excess. Why should I have to pay a fee to make my mortgage payment online or over the phone? The only ways to avoid their convenience fees are to set up on autopay or mail a check. I have researched Carrington Mortgage Services , LLC online and many consumers give them a low rating due to fees but rating them low won't get rid of the fees nor control who services your mortgage. Many of those ratings also state that they have mailed checks the beginning of each month and the payments are not posted until after the grace period is up and thus incurring late fees. So it seems that Carrington is charging excessively for nearly any payment option. This seems unfair, unethical and unnecessary. 

Also, on my VERY first call with Carrington Mortgage Services , LLC I was told that my mortgage is 5 months past due and it is in fact current. I received a statement from XXXX XXXX earlier this week showing my mortgage next due for XX/XX/2021. I asked why it wasn't reflecting any of my payments and went through the dates the payments had cleared my checking account only to have them tell me that it takes time to load everything when a mortgage is sold. According to the letters I have received, my mortgage was sold to Carrington Mortgage Services , LLC on XX/XX/2021 and servicing was to begin XX/XX/2021, but they have NO record of any payments made over the 5 months. This is bit alarming and concerning as they are showing my account as 120 days past due when in fact it isn't. I also believe there are guidelines, rules & laws that payments received must be posted in a timely manner ; it should reflect the date it was received as the payment date.I can not risk losing my home due to their lack of accounting and crediting my payments in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
PenFed Credit union sent me an approval offer for a credit card, I took the offer They approved my application pending docs and said it would be done in 24 hours I submitted docs. They requested more. I submitted more. They requested more. I submitted more.

I took the offer only based on the approval and I provided all the docs they requested I have been lied to by representatives at the company, told it would be approved and it wasnt, I was told 24 hours and that wasnt honored Given the deceptive and unethical practices I made the request to either honor the offer or delete the inquiry off my credit report and withdraw the application.

Please have the withdraw the application and be sure theyre following ethical business practices

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 2021-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
A solar panel loan was obtained to install solar panels through XXXX XXXX. The panels are not performing as stated in the contract and the loan company has not addressed this with the company. In the meantime I still having electric bills and also paying the installments for the loan. I have reached to the solar company and they have refused to solve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/2021 I requested that Experian, XXXX and XXXX send me a copy of my credit report and how they verified that accounts on my credit report. I believe that there are items being reported incorrectly on my report and I want to know how this account were verified and by who.

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 2021-04-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2021 I requested that XXXX, Equifax and XXXX send me a copy of my credit report and how they verified that accounts on my credit report. I believe that there are items being reported incorrectly on my report and I want to know how this account were verified and by who.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC.
State: TN

Complaint narrative:
I recently sent a letter to XXXX XXXX XXXX making them aware of affidavit filed through identitytheft.gov on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: WA

Complaint narrative:
I have submitted a dispute with Experian and they keep responding that XXXX certified accurate. That is impossible because I have never had any account they claim.

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 2021-04-08 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: IL

Complaint narrative:
ON XX/XX/18 XXXX XXXX XXXX OPENED AN ACCOUNT IN MY NAME. I AM UNABLE TO VALIDATE THIS DEBT AND HAVE REASON TO BELIEVE IT IS FRAUD. 

TO DATE XXXX, HAS REPORTED {$430.00} AS A COLLECTION ACCOUNT. I AM UNAWARE OF THIS ACCOUNT AND DID NOT AUTHORIZE 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 explanation