vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I opened a joint savings account for myself and my husband at Synchrony Bank in XX/XX/XXXX. For this account, I was able to complete required disclosures online. 

At that time, I also opened XXXX savings accounts for my minor children at Synchrony Bank. 

I was unable to open the children 's accounts online, so I had to call the bank. Because of this, the bank had to mail physical paper signature cards to me to sign on behalf of my children. 

I signed them and mailed them back in XXXX of XXXX. 

The cards were rejected because the scanner could not " see '' the teal ink of my pen. I was sent a letter that they didn't receive the signature cards, no other explanation. 

I uploaded new signature cards for each child to the Synchrony Bank website, as instructed by a telephone rep. The signature card for XXXX child was processed, but the other XXXX children were not processed. 

I received no indication that anything was wrong until I received XXXX for each child in XX/XX/XXXX that there was backup withholding being taken from the interest payments on their accounts. There was no indication of backup withholding on any of the children 's statements, and no letter or phone call ever alerted me that this was occurring. 

In late XXXX of XXXX, I began trying to solve the issue and get the backup withholding removed. After several phone calls, Synchrony Bank finally explained to me that the scanner that received the original signature cards for the children 's accounts did not detect the ink from my pen. I asked them to pull the original documents and re-scan them, and I was told that the signature cards are destroyed immediately upon scanning, so this could not be done. I was also told that the backup withholding had not been removed from my children 's accounts, and that they could not tell me why. I was asked to re-upload the signature cards for the XXXX children that were inexplicably not processed. 

I did that in XXXX of XXXX, and upon calling back on XX/XX/XXXX, was informed that the second set of signature cards did not have the correct naming convention printed on them ( DUE TO BANK ERROR ) and that they would need new signature cards from me... again... and that the backup withholding wouldn't be removed until they had them. 

In addition, I received XXXX letters in XX/XX/XXXX, addressed to the minor children ( not to me, the adult on the accounts ) that they needed substitute XXXX because Synchrony Bank XXXX XXXX their TINs were incorrect. Again, the children clearly can not sign these. 

Synchrony 's banking practices surrounding backup withholding are deceptive in that you receive no notice, can't get it corrected in a timely manner, and the statements give ABSOLUTELY NO INDICATION that it is occurring.

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 2023-02-17 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept. of EducationXXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-17 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept. of EducationXXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Credit Card Comenity Capital Bank, XXXX XXXX XXXX, XXXX, XXXX  XXXX above receives payments at : Comenity - XXXX Credit Card XXXX XXXX XXXX XXXX, XXXX, TX, XXXX I spent {$200.00} in XXXX XXXX XXXX XXXX XXXX, XXXX  in early XX/XX/XXXX. I was encouraged by the clerks to use XXXX XXXX store credit card to get discounts on purchases for my Great grandkids at XXXX. I did not have the XXXX credit card card with me. No worries clerk says, she will look it up on computer. 

I received XXXX bill in the mail, wrote immediately my check # XXXX for entire balance of {$200.00} and placed in XXXX, XXXX XXXX XXXX box myself on XX/XX/XXXX. The due date was XX/XX/XXXX, fully 1 week later. They claim it was not received, but my checking account shows it was paid XX/XX/XXXX. Clearly there is a possibility it was there on time, as Comenity has some processing time to open mail and submit a check for payment. 

In XXXX, I received another bill for a {$29.00} late payment, as Comenity claimed receipt of payment in full was on XX/XX/XXXX, not XX/XX/XXXX. I wrote another check for {$29.00} and mailed it on XX/XX/XXXX at the XXXXXXXX XXXX XXXX XXXX myself. Again, the bill was due XX/XX/XXXX and I mailed the check 10 days before the due date. On XX/XX/XXXX, Comenity, ON THE DATE DUE, printed a bill notifying no payment received and charged an additional fee of {$30.00} added it to the {$29.00} ( which was in transit ) for an immediate payment due of {$59.00}. 

Not surprising to myself, Comenity processed my payment of {$29.00} on XX/XX/XXXX now 23 days after I placed it in the mail. I suspect that it was at the correct location on time as I mailed it 10 days before date it was due. 

Today, I gave up. I called Comenity and gave them permission to draft my bank account over the phone just to get out of this SCAM. The amount I owed was {$66.00} to pay account off in full. I have paid {$95.00} in fees. Of course, I closed the account with Comenity. I do not trust this will occur, as it was over the phone and this bank seems to take every opportunity to avoid documentation of payments received. 

I am reporting Comenity Capital Bank for unfair business practices. I believe that Comenity intentionally delays receipt of payment to generate fees it does not deserve. I believe that it deliberately blames the XXXX XXXX XXXX for Comenitys business practice of insufficient staff to process PAPER checks. I demand that Comenity refund me {$99.00} in unjust fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2023, a girl on XXXX asked if I wanted concert tickets. My daughter is a huge fan and this woman was a friend of a friends. I sent her the money through XXXX. It turns out this person does not exist and ghosted me completely. I contacted Wells Fargo since thats who XXXX is through on my account. They said they researched it but I never got my money back even after they promised I would get it back in XXXX business days. Today I contacted XXXX too after I spoke with representatives of Wells Fargo and they told me I would not be getting money back since this was my fault for getting scammed. Im now trying to find out what I can do, but no one can help. My bank who is supposed to help me, refuses to help saying its hands are tied. This is a XXXX XXXX company where the ceo gets XXXX every quarter. And they cant help 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 2023-02-17 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: Branch Messenger, Inc.
State: CA

Complaint narrative:
Ever since I've started my sideline with XXXX  ( which is a XXXX service ), it was a great sideline. The app is fairly easy to use and pays good. Although the only problem was the company that pays us ( Branch wallet ), all the money I was saving for a business was stolen. I've downloaded the app and activated my card and never used the card since I was only saving all of the money I have from that sideline and ever since I haven't checked my money until now and I was surprised that there's a ton of transactions that I did not authorized. I don't know how those transactions were made. I tried looking for my card and it came to my attention that my card is missing this whole time. There's even a negative fund on my account. I've already contacted the company and I still don't have any response from them. I need the money back that I've worked hard for. The total stolen money out of my account is {$4200.00}. I've attached all the fraudulent transactions below also the steps I took with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial LLC
State: TX

Complaint narrative:
I received a letter from an alleged debt collection company, Assured Collections in XXXX, XXXX. The letter fraudulently alleges that they were attempting to collect a debt owed to " XXXX XXXX Supplies '', in the amount of {$5900.00}. 

I have never heard of " XXXX XXXX XXXX  ', nor have I ever received any products, services, equipment from them and this is a fraudulent claim. 

I do not want to actually CALL either Assured Collections, XXXX, or XXXX XXXX XXXX since this is a matter of fraud or identity theft, and I do not want them to have access to my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage company offered Covid assistance payment deferment ; however, once the deferment payment period ended I was allowed to set-up a payment plan to pay back payments. I completed the payment plan as scheduled-but my credit was reported late while on the payment plan ( docking my credit XXXX points ). For people struggling with payment the assistance was greatly needed, but at the detriment of someone in need credit is unfair, at the very least ( especially without notifying consumers that this would happen by using the assistance program )! I think that an assistance program should help and not hurt-especially when consumer does everything asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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:
I have been trying to work with Ally Auto for the last couple months. 
Contact efforts to their purported designated departments have been made by me by phone, online, email, and in writing. 
Their operations are broken, they do not respond, can not comprehend basic account assistance requests or accomplish anything relevant to servicing my needs at all. 

An internal escalation request was filed more than XXXX month ago with no follow up. 
A second external escalation has been filed XXXX weeks ago with no courtesy of a return response to date. 
This now serves as the third escalation attempt here. 

Please expedite assigning my loan to a competent person at Ally, I can be reached via XXXX I look forward to resolving my loan.

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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Personal information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
usaa lied about my account it is not has not returned my money XXXX XXXX $ XXXX Claim Amount this money was taken from account I want it back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I submitted a credit dispute and sent them certified mail that they received on XX/XX/2023. It is to my understanding that by law they have 30 days to get back to me with the results or delete all the accounts in question. They sent me a letter saying they wont process the request unless it came from me. It certainly did come from me and I even mailed it out from the post office right next to my house.

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 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
After reviewing my credit report I noticed this company report a collection account under XXXX XXXXXXXX XXXX. After countless disputes about the unrecognized debt that I do not owe, the company replied I didn't deny it within 30 days so their company was allowed to report the unowned debt to my consumer report. I never received anything from the company prior to disputing negative account on my Consumer credit report. I have sent countless unresponded rebuttals denying ownership of this collection account and demanding removal. The company only changed the name of its company to XXXX XXXX XXXX  which are part of XXXX XXXXXXXX XXXX. I never received any form of contact to verify/ deny ownership of debt till after the company reported inadequate information to my consumer credit report. The company has illegally obtained and distributed my information without having any contract, verbal, or written permission to have my information. This company is reporting inaccurate and Unverifiable Information to two of the reporting agencies XXXX and XXXX. This debt that this company is reporting another company is now requesting verification or denial of ownership and claims they are owners of the debt. Which further establishes this company 's unlawful violation of my consumer right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: MO

Complaint narrative:
The account that is listed on my Credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Department Of Treasury # XXXX 15 U.S.C 1681 Section 602 A. 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-17 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: GA

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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-17 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: GA

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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I had an existing loan with NewRez shellpoint. I refinanced the loan in XXXX of XXXX with the same lender to satisfy my divorce settlement. I pay my property insurance via mortgage payment. On XX/XX/XXXX of XXXX I called my Insurance provider to report a snow related incident and was told that Newrez stopped my insurance XXXX of XXXX. This was a surprise to me as I even received emails from Newrez saying that they were paying my insurance. They acknowledged their error and assigned me a lender placed insurance. Before the adjuster arrived, I had a partial collapse of an outbuilding of which they gave me a separate claim #. At this time, they are denying the claim saying they dont cover outbuildings ( The policy I had did cover outbuildings ). I have spent hours on the phone with them. They just keep bouncing me around and accidentally hanging up on me. I absolutely had no reason to believe I was uninsured. My loan requires me to have insurance. I was without insurance for a year and a half. They led me to believe I was insured. I payed to be insured.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
ORIGINAL COMPLAINT CASE NUMBER ; XXXX Yesterday, I got an email from CFPB informing of the closure of my case, simply because WELLS FARGO could not find my mortgage number. They could not locate my mortgage by borrowers ' names. I was shocked. This is unacceptable. XXXX XXXX XXXX from WELLS FARGO called me that unless I give her my mortgage number, she could not do anything further. All other mortgage companies use the borrower 's name and social security number. Why can't WELLS FARGO? 
I found a credit report issued in XXXX with XXXX digit mortgage number, XXXX. 
The date opened was XXXX with another bank. Our mortgage was sold several times since then. 
My ex-husband was struggling to pay the mortgage in a timely manner since XXXX. Several foreclosure notices were issued. On XX/XX/XXXX, I had to pay {$30000.00} of late payments to get back to my regular schedule. Both my ex and I requested loan modification, but WELLS FARGO refused. Since my credit has been severely damaged by this, I sold the property via fire sale and paid off WELLS FARGO {$74000.00}. The actual mortgage we owe was only {$66000.00}. However, with exorbitant fees of late penalties, I was forced to pay almost {$8000.00} extra to get out of the contract. 
Hopefully, with XXXX digits of the mortgage number, WELLS FARGO can locate my history of mortgage and tell me why our request for a loan modification was flatly denied. It adversely affected both my ex and my financial situation afterward. 
It took several years for me to build my credit back up. 
Thanks for helping a XXXX lady.

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