vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. 

No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of.. 
Theres no proof that I owe anything, at all. 

I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones. 

Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable. 

Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy. 

Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off XXXX XXXX written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: SC

Complaint narrative:
In XX/XX/2023 I sent out a letter asking this company to validate the debt that they claim I owe. In return this company sent Medical records that I did not allow them access to receive. I did not sign a HIPPA form authorizing this collection agency to access my medical records. This is a HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Truist is currently advertising an offer on both XXXX and XXXX for a {$400.00} bonus when a new customer opens a new checking account. Looking at the fine print of the offer it very clearly states The offer is only valid to customers who have had a direct communication from Truist. A XXXX or XXXX ad is NOT a direct communication and therefore anyone who opens a new account through this advertisement would automatically be disqualified from the account opening bonus. I have reached out to Truist with my concerns via XXXX comment, XXXX message and XXXX message. I only had one response which stated that I could look at the fine print on the website to determine my eligibility. This seems like an attempt to intentionally avoid addressing the point I have raised and the whole advertisement appears to be an attempt to mislead customers into opening a new account and then withholding the advertised bonus. 

Here is a link to the ad on XXXX ( I will also attach a screenshot ) XXXX XXXX XXXXXXXX? XXXX Here is a link to their offer site which shows the fine print. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
In regards to the original complaint # XXXX that was closed before the appropriate feedback response that I attached was provided. The appropriate requested resolution has not been reached under HUD XXXX. 
In response to the XX/XX/XXXX SLS response on complaint # XXXX please note below. XXXX ) The Agreement ( offer ) that was sent on XX/XX/XXXX was invalid as the FHA loan was still in CARES ACT Forbearance period. 2 ) As Forbearance was ending XX/XX/XXXX, there was a need to come to an agreement with Mortgage relief options established in the CARES Act which fall under FHA XXXX XXXX waterfall for FHA-insured Loans XXXX The appropriate XXXX Recovery options were never sent in compliance with the FHA XXXX XXXX Loss Mitigation Options before the XX/XX/XXXX Letter. XXXX ) Therefore, Letter that was sent on XX/XX/XXXX, was a form of illegal discrimination under the Fair Housing Act and did not comply with the CARES ACT and/or HUD Law Recovery requirements. XXXX ) SLS claims they responded appropriately to inquiries when in fact XXXX ( HUD ) had an outstanding inquiry we were awaiting response to the on the XX/XX/XXXX letter that were never responded to by SLS. There was an inquiry made by XXXX XXXX HUD ) regarding the if the interest rate could be adjusted to be in line with a previous interest rate offered of 3 % for XXXX Months. XXXX ) The letter on XX/XX/XXXX, saying no longer being reviewed should have not been sent at this time as the SLS did not provide the appropriate response to the outstanding inquiry prior, and a good faith payment was made. XXXX ) The Letter from XX/XX/XXXX was not another modification agreement that complied with HUD XXXX it was a Stand-Alone partial claim. XXXX ) Again, the SLS letter from XX/XX/XXXX was not modification agreement that complied with HUD XXXX it was a Stand-Alone partial claim. XXXX ) In the letter dated XX/XX/XXXX SLS said they left a message with my authorized party XXXX ( HUD ) on XX/XX/XXXX in which I was never notified by the HUD office by phone or email. In addition, I never gave SLS the authority to contact XXXX ( HUD ) by outbound call if that is the case. She was added to call inbound for information on the account. They should be calling me on the number listed on the account unless directed otherwise. I also sent this follow up request to SLS Fax which they received on XX/XX/XXXX XXXX. XXXX ) Please have SLS send the appropriate Modification in compliance with FHA HUD XXXX ( Includes Modified Payment + Partial Claim ) not a Stand-Alone Partial claim. A XXXX XXXX XXXX Modification would establish an affordable monthly payment, resolve the outstanding mortgage payment arrearages, and permanently modify the first mortgage monthly payment so the Partial Claim can eventually be paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I got behind on payments and could not catch up so I had to sell my house in XXXX. The loan started in XXXX. And I received no help from Wells Fargo to help me with 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
Consumer complaint received 2023-01-30 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: TX

Complaint narrative:
THIS COMPLAINT IS DUE TO EXPERIAN NOT RESPONDING AFTER 8 MONTHS OF RECEIVING MY DISPUTE LETTER REGARDING AN INACCURATE ACCOUNT THAT THEY HAVE BEEN REPORTING ON MY ACCOUNT. I HAVE BEEN PATIENT FOR THE LAST FEW MONTHS, BUT IT HAS BEEN ENTIRELY TOO LONG AND I HAVE NOT RECEIVED AN UPDATE OR ANY DOCUMENTATION VALIDTATING HOW EXPERIAN IS REPORTING THIS ACCOUNT AS SUCH. THEY ARE REPORTING XXXX XXXX XXXX AS A REPOSSESION AS WELL AS A VOLUNTARY REPOSSESION. HOW DOES THIS MEET FCRA REGULATIONS? ALSO, THIS WAS NOT A REPOSESSION THE ACCOUNT WAS PAID SO I AM CONFUSED WHY EXPERIAN HAS INCORRECT INFORMATION WHEN XXXX AND XXXX ARE REPORTING THE ACCOUNT AS CLOSED AND PAID. BEING THAT THIS HAS BEEN ONGOING FOR 8 MONTHS I AM DEMANDING THE DELETION OF THIS ACCOUNT OR FOR IT TO BE UPDATED TO PAID AND CLOSED. I WILL BE SEEKING LEGAK ACTION FOR THE MANY VIOLATIONS OF THE FCRA IF THIS IS NOT UPDATED ACCORDINGLY. I WILL ATTACH THE LETTER THAT WAS SENT 8 MONTHS AGO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
I have been contacted 6 times by United Wholesale Mortgage company. I have blocked numbers, I have answered and said take me off your list, I am not interested. I have texted opt-out to their text messages, after I never opted-in to receiving their solicitation text messages. I was called at after XXXX one night by United Wholesale Mortgage XXXX I was called all weekend. I believe they are spoofing numbers so the number they are calling from is the same area code as I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: AR

Complaint narrative:
Payliance send me a bill for {$530.00} that I owe XXXX I have never been on this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I deposited a check Thur the us bank app and my check was cleared Thur the bank I wrote the check on and us bank is still holding back over {$2500.00} of my fund which the whole amount of the deposit was cleared

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: NC

Complaint narrative:
Several fraudulent accounts are reporting on my credit report as a result of identity theft. Equifax I was told would remove and block these accounts. On a call made friday the XXXX I was told that the fraudulent accounts would be blocked from appearing on my credit report within XXXX hours and was given two confirmation numbers supporting this. I called back today the XXXX to confirm this information and to ensure these accounts were removed and blocked from my credit report to which the representative informed me that the previous representative was lying to me and that the information would not be removed and blocked and said that I would have to go through another pointless dispute process. I tried to explain to representative that I had already went through the dispute process multiple times and that this issue was still not corrected she did not seem to care nor understand and instead offered to initiate a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
While on a flight on XX/XX/XXXX, I was incented to apply for a credit card with Barclays bank to get XXXX bonus miles the first time I used the card for any amount ( " welcome bonus '' ). Subsequently my application was approved, I received the card in the mail, and activated it without a problem. The first time I attempted to use the card at a local merchant on XX/XX/XXXX - the charge was declined. I tried using the card again the same day at another merchant with the same result. On XX/XX/XXXX I spent 30 minutes with their customer service call center to finally get an answer that my card was not able to be used until I provided 'know your customer ' documents by mail to the bank in spite of already being a Barclays customer with another open credit card. And, the Security department is not open on Sunday so I would have to call back. I requested confirmation in writing of which documents would be acceptable to clear the XXXX and be able to use my card. 

I was traveling internationally during the following week and attempted to use my other Barclays card on XX/XX/XXXX and that charge was declined. I called the Customer Service number again and was told they couldn't help me and I need to call a different number. That resulted in a call to a call center with a 90 minute wait time, directed to their customer service website that has no option for providing any XXXX documentation or list of acceptable documents. 

So now adverse action has been taken on both of my credit card accounts ( no access to my available credit ) without a solution or any documentation on why ( no written direction was received after my XX/XX/XXXX request for how to lift the block on my card ). I also have a specific timeframe to use my card to get the promised XXXX miles in my airline account and no way to use my card to get them. This also feels like a bit of bait and switch, there is no apparent reason for my account to have been flagged for XXXX documents since I'm an existing customer. And the clock is ticking on me being able to get the reward.

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
PayPal and XXXX XXXX  kept removing funds unauthorised. I lost a ton of money due to fees. Its complicated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: LA

Complaint narrative:
Per FCRA section 15 U.S.C. Sec. 1681i the bureaus are suppose to investigate in a timely matter, let me know they are investigating and respond before 30 days. I've sent letter after letter after letter since XXXX and still there's no word from the bureaus. There nothing but inaccuracies all over my report and they are not trying to fix it nor delete. I'm really upset because it's stopping me from doing what I need to do for my family when it comes to credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: FL

Complaint narrative:
I am interested in disputing all inaccurate information on my credit report with transunion that is hindering my file. all information has been submitted that is invalid please update all information asap.

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 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Tried to lower payments during financial hardship during XXXX and was unsuccessful then vehicle was repossed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I took out a a Synchrony credit card to pay for some dental work at XXXX XXXX XXXX. The amount was {$2400.00} on XX/XX/XXXX. 

I put in auto-debit info and selected pay minimum, which would have been {$74.00}. However, they charged my the full balance, {$2200.00} on XX/XX/XXXX ( they says XXXX which is impossible because of the holiday ), XXXX. I have my XXXX banking statement to prove this ( currently Synchrony says I paid twice, which is incorrect. ) I called to ask for a refund. They said they could only send a check. They said they would send a check, minus first months payment, for {$2100.00}. I received this check and deposited it on XX/XX/XXXX. 

Since then they have added, removed, added, and removed the initial balance to my account to multiple times. Now they say I owe {$4400.00}, instead of the {$2100.00}. 

I have called countless times, and chatted countless times, unable to reach an agent under 1.5 hours, or to be put in endless holds never getting a hold of anyone. They have purposely ignored my requests to resolve this, or lied to me and said I signed up for promotions, or lied saying they were resolving it, only to have other agents say thats not true. 

They sent me a notification on XX/XX/XXXX, that my check bounced, which is why this charge is on my account. I have never sent them a check nor, have I ever used their services and money past the initial charge ( + {$2200.00}, then - {$2200.00} ) and refund check ( + {$2100.00}, what I should owe them. ) Im begging for some help I would just like my balance to be the correct {$2100.00} and I will pay it in full and close my credit card immediately just to escape what is clearly a predatory and fraudulent bank. 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 2023-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I had a medical procedure on XX/XX/XXXX at XXXX XXXX XXXX which is owned by XXXX XXXX. 

XXXX XXXX XXXX billed my insurance and the claim for {$17000.00} was paid out on XX/XX/XXXX with a Patient Responsibility of {$290.00} ( copy of the Medical Insurance Claim enclosed XXXX I received a billing notice from XXXX in XXXX for the outstanding amount and made Payment in Full on XX/XX/XXXX. 
XXXX XXXX XXXX enchased the check on XX/XX/XXXX ( copy of the encashed check enclosed ) XXXX XXXXXXXX XXXX in spite of receiving Payment in Full, sent my case over to Credit Systems International, Inc. on XX/XX/XXXX Case Reference : XXXX I received a letter from Credit Systems International, Inc. dated XX/XX/XXXX asking me to pay the amount of {$290.00} which was Paid in Full on XX/XX/XXXX I have contacted Credit Systems International, Inc. XXXX XX/XX/XXXX to dispute the Debt and spoke to XXXX XXXX from their XXXX XXXX, TX location . 
XXXX XXXX was very professional and promised to contact XXXX and look into my case. However, she said she is unable to call me back because their system does not permit that and I would have to call back in two weeks to check on my case. 

This is an attempt by XXXX XXXX to Double Bill patients and harass them by immediately turning over their case to a Collector in a very short period of less than 90 days. Their XXXX XXXX - XXXX XXXX XXXX XXXX XXXX provides allows electronic capabilities to make payments but makes it difficult to contact them and track a dispute electronically and it has to be done by phone or postal mail. 

XXXX XXXX was prosecuted by the Department of Justice for XXXX XXXX and agreed to pay the US Government {$630.00} XXXX in civil penalties and damages arising from false claims tsubmitted to XXXX and other federal health programs. 
XXXX XXXX XXXXXXXX It is likely that XXXX and its XXXX affiliate XXXX XXXX XXXX is also Double Billing other Patients. 
Requesting that the CFPB please investigate this. 

Please feel free to contact me if you need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
This was a medical bill to XXXX XXXX XXXX XXXX for the amount of {$380.00} on XX/XX/2016 insurance paid {$72.00} and left me with a debt of {$310.00} which insurance paid it directly to the hospita after it was appealedl. They XXXX XXXX XXXX Attempts to collect this debt again on behalf of another agency XXXX XXXX XXXX XXXX XXXX and are asking me for a proof I do not have the receipt, even the hospital now has a different name which is a XXXX XXXX XXXX XXXX XXXX. I spoke to a lawyer, and he told me that this dept should not be in a collection agency. They also opened an account with a debit to decrees my credit score, which is the least thing I would care about because I already own two houses. My opinion is that this agency is trying to collect this money for themselves, and this is my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: CA

Complaint narrative:
Upon checking my credit report XXXX has my account reported as deceased my whole credit profile has been comprised with information and accounts that do not belong to me please verify that this is account belongs to 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