vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
my Address is different than the address Wakefield & Associates has been sending collections letters to. I have contacted them three times in order to set up a payment plan to pay the debt that I owe. The first time I contacted them I was instructed to send an email to XXXX and never received an email back with my account information to start making payments. I followed up with two more phone calls over the past month in order to try and get the account information to start making payments on their patient portal but both of the contact numbers that I have called on their website just send me to an automated message saying they'll get back to me, but they do not. the amount that showed up on my credit report is XXXX $ and is a serious collection that could lose me my job and this company has been very unprofessional with responding the with pertinent information so I can pay towards the debt. I could lose my job because of my inability to make payments on this collection due to this company not assisting me in order to pay the debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: MD

Complaint narrative:
A debt was owed to XXXX 's XXXX in the amount of XXXX which has been paid to XXXX 's XXXX with a receipt attached. First Credit Services has a collection on me for {$35.00} and I do not know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
1 ) The last payment on this Debt is noted as XX/XX/2017. It is past the statute of limitations and should be removed from my credit report.

2 ) I do not recognize this debt and I have submitted a FTC report attached as well. I am a victim of identity theft and I filed a police report that is notated on the FTC report. Additionally, my identity was stolen in the XXXX data breach and the XXXX data breach. I also was notified by the IRS that my identity may have been used to fraudulently seek employment. Please remove this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
i have had regions checking and savings for 28 years my routing number has always been XXXX i used this as i have every year on my tax retun to obtain my refund this year my refund kicked back because of routing number when i called XXXX XXXX branch manager @ regions bank XXXX nmls XXXX was told my routing number was different he could not tell me when the change occured i contacted XXXX regions AHC department with XXXX and XXXX on XXXX and was told my number was different but could not tell me when it was changed

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 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Several weeks ago called for assistance with my Paypal credit card to have the available points applied as a credit against my account. I was told that this had to be completed online. 

Today, updated my account login information and attempted to redeem points. I had two chat sessions while logged in ( see attachments ) attempting to complete this process online. We were unsuccessful. The instructions by the second chat agent makes sense ; however, the field called " redeem '' is not available. When I requested HOW to do this since the redeem option is not there, she disconnected the chat. 

I then proceeded to have four conversations with " customer service '' associates where were unable to help. The last of these conversations I believe was a Synchony Bank Agent. They referred to the " redeem '' feature again- which is not on my login screen. They were then going to transfer me for the fifth time. At this point, it's been two hours getting the run around while attempting to accomplish something that should be easy and everyday. 

Will you please help me in getting my point applied against my accoun? My points are XXXX as shown on the attached statement. I pay a very high interest rate ( my own fault as I'm over the balance ) but Paypal not being willing to perform such a simple request seems unfair to the consumer. If they are not going to honor their committment, they should not offer them. They expect me to pay 31 % interest ; I expect them to give me my credits. 

My desire is to now cancel this card but I would like to wait until the points are applied so they don't just disappear. 

Thank you for recording this complaint. May it protect other cardholders in the future.

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 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX and on XX/XX/XXXX I sent my landlord a rent check in the amount of {$7600.00}. The check was stolen from the post office mailbox and someone thru an ATM deposited the check into their personal account the next day XX/XX/XXXX. On XX/XX/XXXX the funds were withdrawn from my business XXXX account in error by Bank Of America. Bank of America called me on XX/XX/XXXX and asked me if I had authorized a third party check that was made out to an LLC. I responded that I had not and they told me they flagged the check as fraud and I had to go to XXXX and report it. I went to XXXX on XX/XX/XXXX and XXXX filed the necessary papers needed to reclaim the funds from Bank of America. AS of this writing I still have not gotten my funds returned to me. I have had numerous calls to Bank of America in which they responded they have 90 days to pass a judgement on the claim, and then another 180 days to return the funds, and for me to go back to XXXX as it is XXXX responsibility to go after the funds. I have been the XXXX branch in XXXX XXXX six times already and they keep telling me Bank of America will not release the funds even tho Bank Of America knows its fraud. I do not know where to turn to at this point. The funds are marked as fraud, XXXX submitted the proper papers and after four months I still can not get my funds back. My landlord now wants his rent for XXXX and I do not have the fund returned to me account. Bank of America admitted it was their error, then they also stated they have 180 days to return the funds!! Can you imagine, taking my money in error and not giving it back for at least 6 months. Any help will be appreciated, I do not know where to turn as I am hitting a dead end everywhere and my rent is now due. I have all papers to documented if needed. Thank you 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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts on my credit have been opened fraudulently, be made a dispute with credit bureau and notified them of this action and I was told that information was accurate and stays, I do t think they have done their job on fully investigating these claims, Ive never opened these accounts, and they are not mines, Ive sent my Driver license, Ftc Report fraud report and also contacted them and told them the issue. If properly investigated this account wouldve been removed off my credit but it is against the law to claim and action was done and nothing really was solved or done. 

XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX Account number XXXX XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX XXXX XXXX Account number # XXXX, this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it XXXX XXXX XXXX Account number # XXXX this company has been removed for fraud off XXXX and XXXX, I attached copies of it Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America is illegally withholding {$620.00} from me. I reported fraud and the purchases were flagged over 3-4 weeks ago. I called in to report these then and their site specifically states that they will issue a provisional credit after 3-4 weeks have passed, as their investigations take an unnecessarily long time. I am also on the XXXX XXXX  and therefore protected by the Americans with XXXX XXXX. Clearly, BofA is in flagrant violation of federal law and I intend on hiring an attorney. 

I recall about a decade ago, BofA issuing provisional credits immediately. Instead now, I have to waste 45+ minutes on the phone arguing with a customer service rep, because ultimately, BofA doesn't follow the law. I find that to be a disgusting system. 

As I file my complaint, I hope the CFPB gets involved because its concerning, given the recent collapse of XXXX XXXX Bank. It makes me suspect they don't have enough funds on reserve.

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 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
This creditor has contacted from 8 different phone numbers atleast 6 times a day, everyday consecutively for months now. The calls began before I ever even reached 30 days past due. I have spoke with this creditor and informed them of a medical emergency and my recovery that has halted my ability to work after a nearly perfect payment streak with them and this hasnt stopped the aggressive tactics. Although i purchased an insurance plan they sold me for this loan in case of emergencies, apparently i have to jump through hoops to actually use it and it would only help for one month. I even made a payment that further hindered my financial stability and mental to show my intentions to pay as soon as I am well enough to work again. Nothing stops them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/XXXX, called Edfinancial and spoke to a representative : I asked for a refund of 2 payments I made during the CARES ( Coronavirus Aid, Relief, and Economic Security Act ) period ( XX/XX/XXXX, XXXX XXXX, XXXX ) .Under {$3000.00}. They told me 3-6 months for a refund with no email confirmation or any notes on my account I could see. They just said they will send in the request. 

XX/XX/XXXX I called Edfinancial again after seeing my balance update on Edfinancial 's website but no sign of my refund check, they told me could take a while, it was up the Department of Education. thats all that was said. 

As of XX/XX/XXXX havent received any sort of check, and I have seen other people with higher loans receive theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
Home Point Financial has not paid my property taxes, which were due in XXXX, nor my insurance which just became past due. I have spoken with them three times since XXXX trying to get the taxes paid and have been assured each time that a check was being sent. However, I called the county today and they still have not received payment. So the taxes are now two months past due and I am also concerned I am going to lose insurance coverage for the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: TX

Complaint narrative:
1 ) The last payment on this Debt is noted as XX/XX/2017. It is past the statute of limitations and should be removed from my credit report. 

2 ) I do not recognize this debt and I have submitted a FTC report attached as well. I am a victim of identity theft and I filed a police report that is notated on the FTC report. Additionally, my identity was stolen in the XXXX data breach and the XXXX data breach. I also was notified by the IRS that my identity may have been used to fraudulently seek employment. Please remove this debt from 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 explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
For more than a year I have been trying to get current on an alleged missed mortgage payment with Mr. Cooper. For more than a year I have followed their instructions and directions to get current and now that the account is technically current Mr. Cooper is unwilling to do what is necessary to resolve the delinquency. 

In response to the letter received by Mr. Cooper dated XX/XX/2023 RE : Funds Received Suspense Notice : I have performed my due diligence and I have paid the outstanding balance in full. The outstanding balance that Mr. Cooper is looking for, by their own admission, has been split between surplus escrow and unapplied funds accounts, which has been disbursed by Mr. Cooper as they deem appropriate to their monetary advantage not the clients. The money in these accounts is my money, not Mr. Coopers. However, Mr. Cooper decides how and where to distribute funds while trying to make a profit off of my distressed situation. I have done my due diligence per the direction and information provided by Mr. Cooper and Mr. Cooper alone has the ability to bring my account current with my money that I put into the account but refuses and is unwilling to do so and instead is attempting to collect frivolous fees while sending threatening letters of foreclosure to a XXXX an XXXX Veteran. This is predatory and it is being practiced on those less fortunate with the least number of resources to fend for themselves. 

As of XX/XX/2023 according to Mr. Cooper in the letter sent XX/XX/2023 RE : Funds Received Suspense Notice the total balance required to bring the account current is : {$3100.00} : That has increased {$120.00} since XX/XX/2023 As of this date XX/XX/2023 the Unapplied Balance is currently : {$1500.00} As of this date XX/XX/2023 the Escrow Balance is currently {$2900.00} As of this date XX/XX/2023 the total balance in the Unapplied and Escrow accounts total : {$4500.00} To bring account current it being requested that Mr. Cooper reconcile the account. 
o Total Balance Owed : {$3100.00} {$1500.00} [ Unapplied Bal ] = {$1600.00} remaining to bring account current it would be prudent if Mr. Cooper recover remaining balance from the Escrow Account o Escrow Balance {$2900.00} - {$1600.00} [ Remaining total from above ] = {$1300.00} reaming in Escrow Account The remain above balance is more than enough to maintain Escrow Account Minimum. 

I am in the situation because I trusted and followed Mr. Cooper instructions, it is upon Mr. Cooper to correct this. 

MR. COOPER HAS THE MONEY DO THE RIGHT THING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank misleads customers like myself about when funds are credited to the account. Specifically, when making a payment through the Key Bank payment portal using an external bank account, the following warning appears : " A transfer may take up to 4 days to process '' I note that the above does not state " business days '' or " banking days '' or " weekdays, '' but simply " days. '' I made an external transfer on XX/XX/XXXX ( a Friday ). I needed to have these funds available to me on my Key Bank credit card by XX/XX/XXXX. According to my math, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX constitute the maximum number of days that the funds may be held under the stated policy. Thus, the funds should have been available no later than XX/XX/XXXX. They were not. I spent over an hour on XX/XX/XXXX discussing via chat service and telephone with bank representatives, but they insisted that the policy refers to business days and not calendar days. 

This is wrong. In this specific case, the bank 's action has caused me significant inconvenience and the loss of about {$70.00} on a transaction for which these funds were intended. More important, this is another example of an institution misrepresenting its policies to customers with impunity and hence the issue must be addressed. Banking institutions must be held to account for lying to and deceiving customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I paid the total balance due on my credit card bringing my account to XXXX  For some reason, the company charged me interest on account of {$1.00} on XX/XX/2021. From that point to now, they started charging me late fees bringing the amount due to {$47.00}. This was never reflected on my on-line account as anything being owed. I was still thinking the account was paid in full, until I received a call from a XXXXXXXX XXXX representative on behalf of XXXX stating I had an outstanding balance and that my account was past due. I immediately paid the outstanding amount, even though I didn't agree with it. She then gave me a credit of the late fees. She also stated that no statement was ever generated or sent to me indicating that an amount was due. She said that she would submit a request to have this removed as it seemingly was a system error on their part. This is still reflecting on my credit report as a late fee and I would like this removed completely because how was I supposed to know anything was due if it was not reflecting on my on-line account nor did I ever receive a statement from the company informing me that something was due? I was also told they would send me a letter stating the gave me a credit of the late fee and also a letter stating my account reflects a XXXX balance, which I have yet to receive.

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 2023-03-15 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, I paid the total balance due on my credit card bringing my account to XXXX. For some reason, the company charged me interest on account of {$1.00} on XX/XX/2021. From that point to now, they started charging me late fees bringing the amount due to {$47.00}. This was never reflected on my on-line account as anything being owed. I was still thinking the account was paid in full, until I received a call from a XXXXXXXX XXXX  representative on behalf of XXXX  stating I had an outstanding balance and that my account was past due. I immediately paid the outstanding amount, even though I didn't agree with it. She then gave me a credit of the late fees. She also stated that no statement was ever generated or sent to me indicating that an amount was due. She said that she would submit a request to have this removed as it seemingly was a system error on their part. This is still reflecting on my credit report as a late fee and I would like this removed completely because how was I supposed to know anything was due if it was not reflecting on my on-line account nor did I ever receive a statement from the company informing me that something was due? I was also told they would send me a letter stating the gave me a credit of the late fee and also a letter stating my account reflects a XXXX balance, which I have yet to receive.

Company response to consumer: Closed with explanation