vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Suddenly late XXXX, I noticed that they were not applying payments in full to my promotional payments even though they had the older purchase dates and deadlines were coming due. They were only applying a small amount to the promotional purchase and breaking the rest up over more recent non promotional purchase. I called and the first few times, it was corrected no problem. I was told I would see the adjustment online within 48-72 hours. I'd check back usually 48 hours later and I would see the corrections. I was was also told I would have to call every month to have payments applied correctly. That is ridiculous. I have two deferred interest promotional payments coming due. One in XX/XX/XXXX ( purchase date XX/XX/XXXX ) and another in XX/XX/XXXX ( XX/XX/XXXX ). Then I have standard purchases made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They are basically setting up the two interest deferred purchases for two extremely high interest charges that should be deferred if payments applied correctly. Monday, I called went through the process to correct payment allocation. I was told I would see adjustment online within 48 hour and on paper statement within next couple billing cycles. Today, four days ( 96 hours ) later given run around when inquiring. I'm told I have to allow 48 hours for online and 2 billing cycles for paper statement correction. I point out I have waited 96 hours to see online. I'm not referring to paper. The customer rep is stuck on his script. After constantly repeating that I've waited 96 hours and expressing my frustration and willingness to contact FTC, FDIC, CFPB and my Senator to request Congressional investigation into their practices, it's escalated supposedly to a supervisor who reads from the same script. I repeated what I told the customer rep and now am waiting on a callback within 24 hours from their corporate team. I don't expect a callback. I went to the online complaint forms for FTC, FDIC and CFPB completed them. I also called my United States Senators and Congressional Representive and gave details to their staff and am currently waiting on callbacks from each of them. This type of financial abuse by banks and credit card companies needs to end. My payments are on time and 2 to 3 times the monthly minimum. As mentioned before this has been an ongoing problem for approximately a year. Usually, once I call they follow through and correct the allocation. This week Synchronys customer service representatives decided to not correct the problem, leaving me with a potential interest payment that should be deferred.

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 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/XXXX I was approved by my XXXX church for assistance through them and was given a check by XXXX XXXX for my mortgage I went to US Bank XXXX XXXX XXXX XXXX XXXX, AZ XXXX at approximately XXXX XXXX. And was told I couldn't pay my mortgage due to being on forbearance and was advised to call and request to be taken off forbearance. 

XXXX XXXX I called US Bank XXXX XXXX mortgage department and spoke to a representative that was very rude and I got into a verbal confrontation with and I ended up cussing at him then regained my composer and had to ask for his Supervisor at least 20 times before he would put on the phone ( I have this recording as well ) his Supervisor got on the phone and told me u was not in forbearance I was in the stage right before that but assured me that he was taking care of it. 

So again I went into US Bank and attempted to pay my mortgage with the check I got from my church. Again I went to the teller and was told I couldn't make the payment due to being in forbearance and was instructed to call the home mortgage depot which I did and was instructed to give them the check routing number and account number to pay over the phone and was instructed that my forbearance was taken care of but it would be approximately 30 days before it would update in the system. 

XXXX XX/XX/XXXX. I was just checking all my accounts and when it came to the US Bank account I noticed that my mortgage account numbers were off so I clicked on the account and saw that the payment was reversed. So I went into the branch on XXXX and XXXX in XXXX AZ. And spoke to XXXX who made a call back to the mortgage deposit I talked to XXXX employee i.d. # XXXX who advised me that I needed to speak to a senior account representative before I could speak to a supervisor so I did and I immediately told him turn me over to a supervisor and that when I was put on the phone with Gaberial out of XXXX CA I.D . # XXXX who was very rude and told me I have to talk to a loss mitigation specialist so I asked to talk to his boss to which he said there is no one above him at that office and I would have to file a complaint. He got back on the phone with XXXX and about 30 minutes went by and I was put back on the phone with XXXX i.d. # SVN who was in loss mitigation the retention department and she advised me that who ever I talked to before didn't take me out of forbearance she had to just put in her code and I would be taken out but I would be 5 to 7 business days before I could make a payment

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 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
A third party placed 2 medical debt on my credit report. one for {$5.00} and one for {$95.00} XXXX. I have medical insurance through my job. I also thought it was illegal to place medical debt on credit reports. I asked how did they get their balance without knowing what i was seen for and i asked what date was i seen and they said they didnt have that information so therefore it shouldnt be on my credit report as accurate because without knowng my service how do you really know this is what i owe, I also told them that knowing my balance is also 3rd party and i didnt sign anything giving someone authority to release my information about the balance or anything. This little {$5.00} that the credit agency allowed them to place on my credit report prevented me from getting a mortgage and its not right to destroy someone creditbility for {$5.00} and {$95.00}. Medical is against hippa to be on a credit report to hold someone in bondage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX Bank does not follow Regulation B and literally asks about marriage status for credit reporting, does not report authorized user on a credit card to my credit report even though I have provided my ssn and they are by law supposed to do that, supervisors never call back and agents purposefully avoid getting a supervisor and go so far as to disconnect the call when I request a supervisor or who their primary federal regulator is. This happened to me today with an agent XXXX who would only provide her first name and refused to provide an ID number. I am a credit card agent for a major XXXX Bank and International so am very shocked by all of 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 2021-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
Was making my payments on time and the loan company keeps reporting me that I'm not making my payments on time. Yet it's shows on my bank statement I was. I tried to get them to fix it but they won't do it. There reporting it many times and my credit score keep going down. I need help. This lian company won't listen 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
Consumer complaint received 2021-10-22 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: IL

Complaint narrative:
As per Section 609 I am entitled to see the source of the information, which is the original contract that has my signature, pay off disclosure, interest rate disclosure, and payment history, please provide. 

Equifax XXXX XXXX XXXX Is in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification/ validation for. In the amount of {$490.00} There was no written form of communication contact or signature for this accused debt at all. Starting that I agreed to pay said amount. Section 609 refers to a section of the Fair Credit Reporting Act As per Section 609, I am entitled to see the source of the information. A bill is not a signed contract! Please dont not send me a bill. This is not a signed contract Please send the signed contract explaining that I signed agreement to pay said owed amount. If XXXX wireless can not provide this by law they must immediately have items deleted. The collection agency is required to have and provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
My account with the money source ( formerly with XXXX XXXX ) has been consistently put into forbearance since 2020. I have repeatedly stated that I never wanted it to go into forbearance. I have asked for the paperwork / proof that i requested the loan go into forbearance. I have been denied access to that proof, while each lender, currently the money source, keeps making changes to my account without my consent. 

I will repeat, my account has been repeatedly put into forbearance without my consent. Basically, changes have been made to my account without my consent. 

I have requested the proof of my request for forbearance from my lender and I keep getting denied that proof. I believe that all my lenders are complicit with the illegal activity being sanctioned against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a new account onXX/XX/2021. this was part of a citibank promo with a bonus to be paid out in 90 days after all qualifying activities were completed. so if I count 150 days from XX/XX/XXXX, the date is XX/XX/XXXX. today, is XX/XX/XXXX, and I have seen nothing. 
I have called Repeatedly to Citi customer service, escalated to the XXXX XXXX, CA brand managers and keep getting apologies about the delay and promises that it will be done in a day or two. during my XXXX call, I was assured no later than XX/XX/XXXX, and when I called last week, I was told no later than yesterday. There are several emails that been unanswered by Citibbank. 
i now need to escalate to you and Citi management to get this resolved as soon as possible. Clearly, this is false and misleading advertising.

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 2021-10-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report XXXX of XXXX because I did not agree with a collection that was on my report the original creditor is " XXXX XXXX XXXX '' and the debt collector is " XXXX '' The debt collector informed me that I owe {$2000.00} ( I have a copy of what they sent me ) Equifax, However, was reporting that I owe {$2000.00}, So I asked Equifax to re-investigate this matter because they weren't reporting the same amount ( after it came back " validated '' ) It has now been over a month and I have not heard back from Equifax. 

My next complaint is for the same account but this time with XXXX the same process from above was followed. XXXX, also was reporting that the balance owed was {$2000.00} I then sent them a letter its been well over a month not only have I not heard back from them- they UPDATED the balance owed to {$2000.00} another incorrect balance if these are the SAME ACCOUNT I don't understand why I'm being told 3 different balances. 

I'd like for this all to be removed from my credit file. 

In my possession I have the invoice from the original creditor, debt collector & the letters save that I sent to both credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report :

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 2021-10-22 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: IL

Complaint narrative:
As per Section 609 I am entitled to see the source of the information, which is the original contract that has my signature, pay off disclosure, interest rate disclosure, and payment history, please provide. Equifax / XXXX XXXX Is in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification/ validation for. 
In the amount of {$250.00} There was no written form of communication contact or signature for this accused debt at all. Stating that I agreed to pay said amount. Section 609 refers to a section of the Fair Credit Reporting Act As per Section 609, I am entitled to see the source of the information and signed contract with my signature.A bill is not a signed contract! Please dont not send me a bill. This is not a signed contract Please send the signed contract explaining that I signed agreement to pay said owed amount. If XXXX XXXX can not provide this by law they must immediately have items deleted. The collection agency is required to have and provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GFS II, LLC
State: MD

Complaint narrative:
As of today XX/XX/2021, my affidavit remains unrebutted. Therefore, it remains a fact that the debt from the beginning is fraudulent. Gateway financial solutions is still in possession of my vehicle and have stolen from an address they did not have on file which is a violation and refuse to give it back at this point. Ive had to retrieve my items out of my vehicle just in case anything ends up stolen during this process, which was stressful and inconvenient. This is my 2nd complaint regarding the debt in question. On OXX/XX/2021, I spoke with XXXX an agent and supervisor with the company, she confirmed for me that they abide by the Truth in Lending Act, I then asked her if she was aware of the proper and lawful way to respond when a consumer sends a request for validation according to the law, she claims not to be aware, or could not remember. I asked her to reply to my affidavit with the requested documents, she exclaimed that she was not obligated to do that admitting that they have in fact not addressed all of my request. Its a fact that FDCPA has clear laws on what a debt collector is to do when the debt is challenged. Since the company refuses to send the proper documents requested, they were to stop all debt collection acts until the matter is resolved. They have decided to ignore my request, ignore the law, and continue with collection. Late XXXX Gateway Financial Solutions stole my vehicle AFTER I sent an affidavit and notice to validate the debt. They continue to respond in a dismissive manner. They have threatened to sell my vehicle on XX/XX/21completely disregarding the fact that I, in all my rights as a federally protected consumer have launched an investigation. l will not sit back and allow anyone or company to take advantage of and scam me, no matter how common this scheme may be. I asked in good faith, they ignored in dishonor. As of today XX/XX/2021, my affidavit remains unrebutted and stands as truth. It is my unalienable right and my right as a consumer to rescind any contract if there is evidence of fraud pursuant to 15 USC 1635. There has been no contract in place since XX/XX/XXXX when my initial affidavit was sent. Any power of attorney given has since been revoked. Since the company was not willing to provide me with the bilateral contract, which is lawfully binding and enforceable, proves one does not exist in fact XXXX confirmed that when I spoke with her on XX/XX/21. The unilateral contract that was in place proves that my signature and personal information was used to retrieve the credit that paid for my vehicle. I unknowingly gave the company my information to do so after being made to believe that I was receiving a loan from Gateway Financial Solutions or affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northeast Recovery Solutions, LLC
State: AL

Complaint narrative:
This company is listing 7 accounts on my credit report and I have no knowledge of this company or alleged debts. I have disputed these debts with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. 
Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.

Company response to consumer: Untimely response