vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX pm i transferred XXXX dollors from my current mobile bank app to my XXXX app account it was a debit to debit card transfer it took 30 minutes for it to be transferred it went smoothly but on XX/XX/XXXX the very next day at XXXX am i did another transfer of XXXX dollars it never was transferred from my current bank app to my XXXX account i made the same exact transfer as the day before in my current bank account it says pending but customer service from XXXX XXXX XXXX  says there was no kind of transaction from my bank i explained it to my current bank customer service they said they cant help me i have to deal with the merchant but they never received the transfer so i called back the customer service at my bank she says that it takes 10 days for it to process but the day before it took 30 minutes because it was a debit to debit transfer she never looked into my account to see what was going on with my transfer so now either side dont know where my XXXX dollars is at my current bank account has the receipt # the day and time of my transaction but they dont know where my funds are XXXX account have no transaction of my funds being transferred i explained this to my online current bamk customer service and she was rude and told me that there is nothing they can do ive banked with current for over 6 months now i direct desposit over 2000 dollars with this bank every month i entrusted them with my direct desposits and they just wont look into the matter the receipt # for the XXXX transfer receipt is XXXX it the date of thus incident was XX/XX/XXXX at XXXX in the morning i really need help to resolve this issue i appreciate if simeone would help me i work hard for my cash and i just dont like my money being lost from a bank that i entrust with my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
DESIGNED RECEIVABLE SOLU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DESIGNED RECEIVABLE SOLU has reported false fraudulent information to the 2 credit agencies XXXX and XXXX. 

I have written to the company DESIGNED RECEIVABLE SOLU letting them know the account is not mine. I never signed any contract with anyone at DESIGNED RECEIVABLE SOLU or had ever dealt with them. I have written a letter to them and all 2 credit agencies to immediately remove this fraudulent information. The amount which DESIGNED RECEIVABLE SOLU claims is due is {$360.00}. This appears to be an identity thief. Please help to remove this item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentially XXXX  Account Name # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA, US SM BUS ADMIN ODA. 

15 U.S.C 1681 section602A. States I have the right to privacy.

15 USC 1961 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
President - i closed my td bank account XXXX but they still send account alerts to XXXX. i called yesterday they said its still not closed and there waiting for another department to close it and cant stop the alerts. by law. pta do this now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX est.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
This Complaint is about Select Portfolio Servicing who is a mortgage servicing company and not the mortgage holder. I became completely unemployed due to COVID. I filed and collect Social Security as my only income as I am XXXX years old. I first defaulted in XX/XX/XXXX. I have tried and resolve this issue since by trying a short sale and currently am under review for a surrender deed in lieu when I received notice that my account was referred to an attorney for foreclosure. I have not received any further information about the foreclosure since. The final attempt for a short sale was denied due to a business decision even though offer matched the sale amount that was previously approved by mortgage holder via SPS Servicing. I am not aloud to speak to any representatives from mortgage holder so my case is in limbo as no one is managing my particular account. I have filled out countless applications and reapplications for short sale, deed in lieu and other financial assistance programs with no final solution offer. 
In addition, there was an insurance claim due to flood damage in XX/XX/XXXX. That claim is closed and SPS Servicing is holding on to the over {$27000.00} in settlement funds while the escrow charges including interest, real estate taxes, property insurance and utility costs continue to mount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, lender at XXXX XXXX XXXX ran my credit via XXXX XXXX so he could pre-approve me for a conventional loan. He reported to me that it was showing no credit on my account and he was having issues. When checking my credit score, I noticed, on XX/XX/XXXX, my credit score dropped XXXX points. There were no other changes that had happened on my account that would have affected my score. I notified the lender about the credit change on XX/XX/XXXX and he still reported that I had no credit in the system. On XX/XX/XXXX I asked him to reverse the pull. He denied my request. I believe his company did something that drastically dropped my score. I believe this is an error. I am an informed consumer that checks my credit weekly and my credit score was XXXX according to other lenders and XXXX prior to this occurrence according to Experian through XXXX. Lastly, my credit. checks were supposed to fall off after 120 days. On my credit report, it says they will fall off after XXXX. This is an error. Please help me fix this error and report this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I have been attempting to avoid foreclosure since the separation with my ex husband. I have provided what has been asked of me over and over and over and its a never ending cycle. I am simply asking to avoid foreclosure. Please have someone on behalf of Carrington assigned that is actually going to take responsibilty of receiving my documents and ensuring a decision is reached. Now that I am facing a sale date the bank tells me I should have requested mortgage assistance once again from them 27 days prior to my trustee sale date. Please be fair and allow me to exhaust the option to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Never opened this account. Suspect fraud with Wells Fargo. No one will help me. Wrote letter. No response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Card issuer converted promotional balance to revolving balance and charged {$26.00} in interest when the promotional balance had been paid off. Card issuer refuses to refund interest charged. 

Purchase amount was {$440.00} XX/XX/XXXX. Payments made were {$30.00} XX/XX/XXXX {$48.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$450.00} total was paid and the plan was set to expire XX/XX/XXXX. 

This was paid before the expiration of the plan and should {$26.00} should be refunded. 
Statements attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 's XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 's XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/2021 Synchrony Bank notified me they were closing my account. This was immediately after I had made several large purchases on Amazon and sent in a large payment. As a result of the card cancellation Amazon cancelled my purchases, but Synchrony still cashed my payment. 

As a result of this I have a negative balance of {$61000.00} on my card that they owe me. Their statements clearly show this, that they have my money is not in dispute, each of the XXXX service agents I have talked to over the last XXXX months has agreed that I have this credit in my account. 

However, I have called 4 times and talked to different agents to try to either get my money back or the account re-opened so I can spend the money. 2 agents said they would send a check within XXXX weeks, the other two ( including a supervisor called " XXXX in Account Management '' today ) said I needed to fill a form out showing proof of payment and they send me the request letter I have attached. 

I have faxed online bill pay statements to them ( also attached ) showing the payments, and their statements show the payments, but they refuse to return my $ XXXX. XXXX today said that they now need a letter on bank letterhead stating the payments were made, which in my opinion is just a delaying tactic to avoid repaying my money that they fully admit they have. 

I need your help to get my money back, and at this point I think it would be fair for them to pay me interest on it too. 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 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XXXX XXXX I received a notification from XXXX XXXX that my score went down and went I look I saw that a American express card was opened with a credit limit of {$1000.00} and a balance of {$330.00} and it wasn't me so I called American express to notify them about my issue and they told me that I don't have any account open with them so I called XXXX and made a dispute with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: LA

Complaint narrative:
To whom this may concern on XX/XX/XXXX a previous complaint was filled with the CFPB ( ccomplaint # XXXX ). It has been more than 30 days since my complaint has been filed and I have not received any substantial remedy or status since my initial request. After review by XXXX, the account was removed from there reporting as the account did in fact contain these errors. I requested that the following account be reinvestigated and removed due to multiple errors found within this collection account. By law, only accurate information may be reported and the account was previously disputed and marked as updated. My 1st reason for deletion is inaccurate date of acquisition by XXXX which is reported as being purchased on XXXX XXXX. XXXX XXXX shows the account was actually purchased XX/XX/XXXX. XXXX  XXXX stated on XX/XX/XXXX that the account was closed and would be reported as closed which they failed to do. The account only showed as a collection with no payment history or details. I also requested all documentation showing a summary of all charges because the amounts owed was also wrong. On the last statement received dated XX/XX/XXXX the balance subject to interest is {$2500.00} plus 22.99 % interest ( {$50.00} ) which totals {$2600.00} not $ XXXX.The account was disputed with the original creditor and with XXXX XXXX XXXX XXXX and your bureau Experian. In my original dispute I requested a copy of the original contract with my signature as well as the accounting documents showing how the total amount owed was calculated. I have received neither of the requested items within the time allowed by law. These items are highly damaging to my credit worthiness and character and may be subject to civil compensation. Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI, section 611 subsection A-D I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone has been using my identity. and now I have a whole bunch of unauthorized hard inquries on my credit report prohibiting me from getting credit. 

list of unauthorized hard inquries with a FTC report. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX. Thank you for taking your time out of your day. my desired resolution is the have all of these unauthorized inquires removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 's XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the US Small Business Administration ( SBA ) XX/XX/XXXX for {$17000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ). This was sent to my personal checking account at Citibank. Citibank subsequently froze my account, eventually stating that it was because the funds were sent from the SBA to a personal account and not a business account, which they considered a sign of fraud. I am a sole proprietor with an EIN through my personal name. Citibank did not alert me that my account was frozen ; I found out because automatic scheduled transfers from the account ( to pay my credit card and myself ) were not working - even though I was still able to deposit funds into the account. They proceeded to cancel my account XX/XX/XXXX. When my account was cancelled, I was mailed a check for the total in my account MINUS the XXXX amount of {$17000.00}. Citibank did not send me any documentation regarding the missing funds ; the XXXX total essentially just disappeared. I received a bank statement for XXXX XXXX XXXX XXXX noting my total funds were withdrawn and that my account was now closed. Since XX/XX/XXXX I have been on a countless phone calls with Citibank to try and figure out where the missing XXXX funds are. I was told the XXXX funds were sent back to the SBA, however the SBA continuously states they have never received the funds. On XX/XX/XXXX, through another call with with the bank, I was told that Citibank still has the funds and that I need to send a " letter of written authority '' asking them to disburse the funds back to sender ( SBA ). I was instructed to send the letter via fax or mail a physical copy. On XX/XX/XXXX, I both faxed and mailed this letter, but have not received any further information since then. I tried calling Citi again today ( XX/XX/XXXX ) after speaking to the SBA, who have yet to receive the funds. I was told that my Citi account has now been " blocked '', since XX/XX/XXXX. I have no information whether Citibank still has the XXXX  funds or if the funds are being sent back to the SBA, and spent over 3 hours on phone calls today trying to find any information but still have no resolution.

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