vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX  Utah XXXX tried to credit my payment and got the routing numbers wrong on my payment. They could not process the check notified me by E-mail that it was insufficiant funds. I have overdraft protection on the account so not the problem. I called they got it straightened out but they put a closed account on my credit history. Called them said would not open the account and that I would have to reapply to have an account. Told them what they did was their fault not mine and it would affect my credit score. Again was told I would have to reapply. I told them I would bring them to small claims court and file a complaint with you. Their actions affect peoples credit scores and could cost people higher interest rates. They corrected it on my account but I still think they should not be doing this to people and need to correct their system.

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 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Please reference the following CFPB closed complaint : XXXX. There are multiple documents added to the complaint for review and to assist in adjusting the balance.

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 2021-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank had the wrong phone contact and never sent me anything notifying me of a late payment. The first notification was from a paid credit protection service notifying me of two thirty day late payments. My credit score was XXXX prior to this event and has been severely impacted. This was not due to may ability or willingness to pay but rather due to poor customer communication. 
I have made numerous attempts to contact them and submit documentation but the means of contact via fax number they provided have been unsuccessful. 
I am also not receiving mailed documents from the bank that I requested. 
The initial issue stems from a documented theft involving my personal financial information. I had to deal with closing and re-opening several accounts. 
Also : I did receive a mailed document from US bank that may shed light on part of the problem. They are mailing documents that have shifting contents and the address does not show in she clear " address window '' if the envelope. 
Additionally, I have made numerous attempts to fax on multiple occasions and the fax line is busy and transmission does not go through. 
I have been assessed two 30 day late payments do to the banks unwillingness to provide clear communication to me as a customer. Had I been properly notified this would not have happened.

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 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been a capital one customer for many years. from XX/XX/XXXX through XX/XX/XXXX, I had serious medical issues and was incapable physically of paying my credit card on time. I was in a serious medical crisis in XXXX. I reached out to capital one repeatedly asking for XXXX XXXX with the hopes of removing some of the late payments that appear on my credit reports. I've sent letters, made repeated phone calls, to no avail. I have paid off my credit card debt but the late fees are wrecking havoc on my credit scores. 

I have now been told that Capital One is unable to help resolve any of the late fees because it has been more than six months. 

I have a stable track record of payments up until the time of my near death illness and subsequent recovery. 

I've sent registered letters, I've made phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My BB & T debit card got two authorized transactions from XXXX on XXXX XX/XX/2021, one is XXXX $ one is XXXX XXXX Which is happened before on XXXX XXXX and XXXX XX/XX/2021, and I contacted BB & T right time that I found the transactions posted on my online app. Then BB & T refunded the two transactions XXXX XXXX. 

But it happened again XXXX XX/XX/2021, I contacted the BB & T many times, they tell me it was denied by XXXX, I need to show them the proof of the returned items purchased on XXXX. I tried to find the packages documents and emailed to BB & T XXXX XX/XX/2021, then they asked me to wait two work days to receive their response. I called them back after XXXX work days then they just tell me my claim is out of time frame and they can't do anything about my claim. I mean I did everything they told me to do and follow their instructions and I didn't waste any time. I called them last Thursday, the receptionist told me that she will talk to her professional analyst then call me back after two work days. I didn't receive the call and I called them today, the receptionist told me my claim status still remained denied. I don't know what to do because of my XXXX account was lost, so the XXXX told me that they can't do anything for me and what I can do is contact my bank. 

English is my second Language, so I can't express myself very clearly. I'm just an XXXX XXXX, it's a lot money for me. Please help me with BB & T and solve the problem. Thank you very much!

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 2021-10-05 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: GA

Complaint narrative:
For about 36 months, there was an incorrect reporting of a XXXX XXXX account of mine on my credit report. I had consistently attempted to have this information corrected. Each time I filed a complaint, the credit reporting agencies appeared to have sided with XXXX XXXX. After I filed a complaint against XXXX XXXX through the CFPB, the response received from XXXX XXXX response seems to to blame the credit reporting agencies for the incorrect reporting of my XXXX XXXX account. This inaccurate reporting of my XXXX XXXX account caused great harm to my credit score. This is part of the the statement from XXXX XXXX in their response to me on or about XX/XX/XXXX before their credit collector sued me in court and as such, caused me even more financial harm : " We have received multiple electronic disputes from you through the e-OSCAR electronic dispute portal. e-OSCAR is a web-based system that allows credit reporting agencies to respond to disputes. Data furnishers help the credit reporting agencies respond to disputes that are submitted through e-OSCAR. As a data furnisher, XXXX provided responses to each of your disputes directly to the credit reporting agencies through e-OSCAR. Upon receipt of your complaint, we completed another review of the account information displayed in your credit file for account XXXX found that updates are still required at XXXX, where the high credit/original amount and the charge-off amount are missing, and the payment history still does not match our system of record. At TransUnion, this account is reflecting an incorrect closed date, which should be XX/XX/XXXX, the date of sale. At XXXX, the payment history still shows no data for XXXX & XXXX XXXX, we have requested that XXXX, TransUnion and XXXX make those updates. As a courtesy, XXXX will remove the information on account XXXX. Please allow 30-45 days for the updates and the removal of account XXXX to reflect in reporting ''.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been having issues with these people for a long time. I own my first home cash and I have a good amount of money saved up. I currently make XXXX dollars per year. I have been having you call them for a long time to avoid a lawsuit but they just did the same thing again. I need to go to XXXX for a job and I want to keep the same quality if life I have.

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 2021-10-05 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: PA

Complaint narrative:
I have been having issues with these people for a long time. I own my first home cash and I have a good amount of money saved up. I currently make XXXX dollars per year. I have been having you call them for a long time to avoid a lawsuit but they just did the same thing again. I need to go to XXXX for a job and I want to keep the same quality if life I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: PA

Complaint narrative:
I have been having issues with these people for a long time. I own my first home cash and I have a good amount of money saved up. I currently make XXXX dollars per year. I have been having you call them for a long time to avoid a lawsuit but they just did the same thing again. I need to go to XXXX for a job and I want to keep the same quality if life I have.

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 2021-10-05 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: GA

Complaint narrative:
As a natural person, who is federally protected I did not give this consumer reporting agency written permission to furnish any accounts on my consumer report according to 15 USC 1681 ( a ) ( 4 ). It is an invasion of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Also, according to 15 USC 1681a ( e ) factual information shall not be included on a consumer 's credit record. This consumer reporting agency is in violation of three federal laws. I demanded her to remove the accounts referencing federal laws as a protected consumer exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have written to both all three credit reporting bureaus ( TransUnion, XXXX and XXXX ) about conflicting data on the same items, such as : XXXX XXXX shows last payment made as XX/XX/2018 on TransUnion but XXXX shows last payment made on XX/XX/2018 ( and on a previous report as XX/XX/2018 ). 
XXXX XXXX  XXXX shows last payment made as XX/XX/2018 on TransUnion but XXXX shows last payment made on XX/XX/2018. Also the phone number on TransUnion shows as ( XXXX ) XXXX but on XXXX as ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
I have paid my debt in full to Dr. XXXX XXXX on XX/XX/2020. TSC is claiming that I still own this debt. I have included a copy of my final check to Dr. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi restricted and then closed my checking account. will not refund or give me my money back. Citi will not communicate or respond. they sent me a letter from there fraud prevention dept. with a contact number, stating that my call to that number would clear up the matter. when calling said number, they say someone will contact me within 24 to 48 hours. Iv made five such calls and no response. when I call that number now Citi says they closed the account and its under investigation. and if I can prove the money is mine I may get my money back. Citi removed my money from my account 2 weeks ago and still have not contacted me for what ever info they feel they need from me to clear up the situation. other than a letter asking me to contact them. which I have now tried five times with only a response from Citi saying someone will be in contact with me in 24 to 48 hours but they never do,

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 2021-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have been dealing with this company since going into the forbearance. The first agent I talked to told me I would have to call back XX/XX/XXXX with a certain amount which I did & then they tell me that I have to pay more. Now Im going through the process of trying to do a modification, I get a letter saying that they have everything & now they tell me that they need something that I have proof from a chat the social media agent told me was taken care of!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX  XXXX XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
Sold a home last year.Paid remainder of motgage loan off in full.They in return sent to 3 credit bureaus saying it was 60 days late.My credit was ruined for about 6 months.The result. I was forced to stop looking at homes and have been in apartment for a year with my house full of furniture in storage because of it for a year.

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 2021-10-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX I sent a certified letter to XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, To dispute all negative information off my credit report I also sent items verifying my identity I also sent items such as a police report theft affidavit etc to Dispute and Remove all inquiries Negative item etc Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation Im in the process of suing the credit agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now Im sueing

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 2021-10-05 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: GA

Complaint narrative:
I spoke with the supervisor of Equifax, her name is XXXX, in regards to having multiple accounts removed. As a natural person, who is federally protected I did not give this consumer reporting agency written permission to furnish any accounts on my consumer report according to 15 USC 1681 ( a ) ( 4 ). It is an invasion of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Also, according to 15 USC 1681a ( e ) factual information shall not be included on a consumer 's credit record. This consumer reporting agency is in violation of three federal laws. I demanded her to remove the accounts referencing federal laws as a protected consumer exercising my rights. 

I have recently requested the accounts to be removed with them before. As shown in the attachment Equifax removed one of the accounts. I am demanding for the rest to be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
We have been trying since XX/XX/XXXX to get a proper mortgage release for the mortgage that was paid in full in XXXX of 2021. The mortgage was originally with XXXX XXXX XXXX XXXXXXXX XXXX as nominee, then assigned to XXXX XXXX XXXX as Trustee... XXXX XXXX XXXX. 

This mortgage was attempted to be released by XXXX  as nominee for XXXX XXXX XXXX and XXXXXXXX XXXX needs to release this pronto. 

This has been holding up financing for over 2  months, XXXX XXXX is blaming XXXX XXXX XXXX XXXX XXXX  who is not the record owner of this mortgage, NOR do they have a Power of Attorney filed for XXXX to sign for XXXX XXXX, in XXXX XXXX Ohio Records. 

The Satisfaction/Release of Mortgage must come from '' XXXX XXXX XXXX XXXX XXXX relating to Home Equity Mortgage XXXX XXXX XXXX, Home Equity Pass-Through Certificates, Series XXXX " We sent the recorded document chain when we sent the corrected release request. 

Attached is a copy of the recorded documents as well as numerous email attempts to obtain a correct release from XXXX XXXX XXXX  XXXX Department XXXX ; XXXX with no release sent.

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 2021-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX  XXXX XXXX successfully deposited a payment to my PayPal direct deposit on XX/XX/21. Door dash deposited another payment for {$340.00} on XX/XX/21 and have confirmation it was successfully deposited XX/XX/21. PayPal states they have no record of this deposit and I have not received the funds. 

XXXX XXXX confirmed the direct deposit account information was correct. They provided trace id XXXX. I had a 3 way call with door dash and PayPal. According to PayPal, even with the trace id they can not locate the deposit. They said it was XXXX XXXX responsibility to take corrective action with the missing payment. 

XXXX XXXX stated the money was already withdrawn and the transfer was completed. They can not reverse the payment without withdrawing the payment from the direct deposit account. They could then reissue the payment but that would only bring me to a XXXX balance since the funds were never deposited. 

PayPal said it is not their responsibility and I would have to speak to the bank that services the direct deposit transfers. I spoke with XXXX XXXX fdic and they informed me that PayPal provided incorrect information and they are responsible for resolving the missing payment issue. 

PayPal told me there is nothing they can do about the situation.

Company response to consumer: Closed with monetary relief