vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to Experian Credit Bureau via telephone regarding a medical debt with XXXX that is reporting on my credit report. I cited the No Surprise Act as my reason for disputing the debt. I had a car accident in 2021, as a result I had an attorney to reach out to all my medical providers for my bills to get them paid. I am assuming that this may be one of those providers since it is within that timeframe, but I can not be sure. Several providers did not respond to my attorney 's notice for requesting my bills. Again, I am not sure if this is one of the aforementioned providers, but regardless if is is one or not, I was unaware of this bill existing and I did not receive any notification from this company about owing this payment. I realized recently how I had a right to dispute it. I did this with Experian but they did not remove this debt from my report. I need this debt removed immediately because they did not inform me about it prior to putting it on my report. If this is a provider from my car accident in 2021 they should have responded to my attorney 's request to submit their bills for payment, which apparently they did not do. Please assist with this manner as soon as possible.

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 2023-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I made a {$1000.00} electronic payment from my bank account to Synchrony Bank for my Care Credit account. On XX/XX/XXXX the payment posted to my account but when I checked my available balance on XX/XX/XXXX it did not reflect that recent payment. I called customer service and they said they had it but would hold the payment for 10 days before it will reflect on my available balance. This is not a paper check this is an electronic payment where they have cash in hand and won't give me credit. 

I have never seen a company do this to people. This is a medical credit card and I'm waiting to move forward on medical procedures.

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 2023-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: MS

Complaint narrative:
XX/XX/22 I responded to a pre-qualified mail offer for a personal loan of up to {$5000.00}. I went to the Mariner Financial website provided on the mailer and completed my application. The response I received was to call the local office in XXXX XXXX, MS . I called the office and spoke with a customer service rep who pulled up my application and began asking me information to verify my application. She asked me about my employment and I told her that I worked remotely. She still insisted on me giving her an address. Afterward she asked me about verifying my employment. I told her that my company uses XXXX XXXX XXXX to verify employment and that I could also provide a written letter from my company and or my check stubs. She proceeded to tell me that she had to speak with my manager or supervisor to verify my employment. I told her that I am not comfortable with anyone from my employer knowing my personal business. She told me that's the only way they could verify employment. 
I feel that this is racially motivated. If I can provide written proof of my employment and my paycheck stubs why is it necessary to involve my manager in my personal business?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: P&B Capital Group, LLC
State: NJ

Complaint narrative:
This Company Continuously calls me and harasses me even though I've asked them to stop multiple times about a debt that I'm not aware of on XX/XX/23 I received a call from this company claiming they sent me an email about a debt that I never got and that I'm not aware of the lady was extremely rude threatening me that I have 30 days to pay this debt or they will be adding it to my credit report, they are threatening to damage my credit report and improperly use information about me. I will be filing a complaint with the XXXX  about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I contacted Robinhood on XXXX XXXX XXXX as I had a restriction on my account and was unable to initiate a transfer of my funds out to another account. I contacted customer service that day ( XX/XX/XXXX ) and was told my money was locked in for 60 days or I can request a manual transfer if I submitted required documents. I complied with all requested documentation needed that day. After submission of documents an email was received that the transfer would initiate in 2-3 business days. I waited the 3 business days and then began calling to inquire. Each time having to explain the situation as no one seemed to be able to see I had submitted everything, etc. Multiple email responses received requesting an explanation of what was needed to the original replies from the emails requesting the manual transfer on XX/XX/XXXX, an absolute mess. One exception of a customer service agent via phone support who said she could see it was pending to be done. She said she would have someone email a time frame from that department that day. That email never came. Its now going on two weeks. No email responses back and the phone support option has been removed from Robinhoods app. No consistency as each time a communication is initiated it becomes a different case number. Each email reply goes doesnt necessarily go to the same person. I have continued trying to make the transfer myself 3 times now with the same result. Unacceptable customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account was sold to collections which I have already paid off and they have already removed their self off my credit report this account only appears on one of my credit reports even thou it was sold off reports inaccurate information on my credit profile

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 2023-02-16 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 XXXXXXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Ive asked this company to stop calling me and that Ill pay it when I get the money. They call me at Lea 3 times a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently attempted to contact Wells Fargo to inquire about the settlement concerning wrongful practices for mortgage customers. My house was foreclosed in 2012 after my monthly payment increased 30 % and Wells Fargo refused my attempts to refinace or negotiate a loan modification for a path for me to keep my house. After Wells Fargo and other banks received billions in Federal bailout money, they put the squeeze on me and took my house when I was most vulnerable. I had owned the house for over 10 years and in a matter of months it was sold-off for {$30000.00} below fair market value. They just cleared it from there books, another statistic of the Great Financial Crisis. Although Wells Fargo never lost a penny on my mortgage and received many punctual payments and fees from me, the foreclosure stayed on my credit report for years. Even now that the Consumer Financial Protection Bureau has given Wells Fargo an opportunity to make their previous unsatisfied clients " whole '' with a multi-billion dollar settlement I have not received any money or a response from them. The silence is deafening. The article i read said Wells Fargo was " required '' to notify customers and provide " swift '' payment. My mortgage debacle is a case study in the breaking of federal consumer protection laws. Do the right thing Wells Fargo. Sincerely, Lost Decade

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 2023-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: IL

Complaint narrative:
I requested a refund on XX/XX/, for the payments I made on my student loans during the forbearance period. Across my loans, this refund would total out to {$2300.00}. They quoted me a 60-90 day waiting period and said that I would see my original ( pre-payment ) account balance be reinstated on both my Edfinancial account as well as on my Federal Student Aid account. By XX/XX/XXXX, my original loan amount had been reinstated on both of these accounts. By XX/XX/XXXX, I had not heard anything from Edfinancial or received my refund, so I reached out asking for an update on my request. On XX/XX/XXXX, they responded and let me know that my refund request had been canceled on XX/XX/XXXX due to an incorrect address. I had updated my address in their system prior to requesting the refund to ensure that no issues arose, but there must have been an internal error that I was never made aware of so my refund request was canceled. From the time that my refund was canceled up until today ( XX/XX/XXXX ), my loan balance on both Edfinancial 's website and the FSA website never changed from the original pre-payment amount. Unless I'm misinterpreting the timeline, my refund had been canceled for over a month but my loan balance was never changed back to reflect I had made any payments. I called Edfinancial on XX/XX/XXXX to see what exactly the issue was with my refund request, and without giving me specific details as to why my address was incorrect, they resubmitted the refund request. I have since sent them an email asking for an update on where my request is in processing and a ballpark timeline on when I could expect my refund. Their response was that the request had been made and everything was dependent on the U.S. Department of Education 's timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I did not receive a check or anything from the dealership to purchase the vehicle or from the alleged lender which caused me to inquire and ask for validation and verification from the alleged lender.I was not given any ledgers of where the money came from and no information showing how the debt is valid. I also did send a cease and desist until all was resolved and they denied the cease and desist by saying they will only stop calling me but will not cease reporting to the agencies and will not stop charging me until they actually validate and verify the debt. I also received a letter from Santander the alleged lender stating that they are the indirect lender which is very strange and appears fraudulent who is the direct lender.I am requesting payment for the violations, a return of my down payment, the finance charge, transfer of the title to me, and removal of alleged debt from Santander and any third parties

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: MI

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 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, 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 explanation
Consumer complaint received 2023-02-16 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I went to XXXX and did a rental with budget car rental they charged me for my rental which was {$330.00} on XXXX XXXX- XXXX XXXX. I returned the rental and received my deposit, and everything was OK. 
Until a month after I saw a charge from budget for {$240.00}, which I didn't authorized. I then called Capital one and told them and we started a claim. I tried contacting budget and they hang the phone up and when I email no reply. 
Capital one did no investigation they just keep denying my claim. It's unfair for my to pay for this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
Simply attempting to payoff my HELOC account - Santander failed to post the payment I sent - {$12000.00} and double charged interest which is highlighted in the XXXX statement which I included. They acknowledged posting an incorrect payoff amount by sending me a check for {$5.00} - but how is that legal or an accepted practice? 
Secondarily - total credit balance should be {$88.00} after the {$1400.00} payment at the end of XXXX- see below : Balance after the {$1400.00} payment was made : {$12000.00} XXXX - interest due for the statement period as summarized on the statement XXXX - satisfaction fee {$12000.00} - should be total due There were two payments sent : {$170.00} - pulled automatically - but additional interest was taken out of this payment not captured in the summary {$12000.00} - balance payoff sent- though not applied as such - can provide documentation if necessary {$13000.00} - total payments sent The difference between balance due and payments sent should be a credit of {$88.00}. 

The bank has already said they closed the account and my concern once. I've asked them to review again - based on above. 

This is simple math that a citizen shouldn't be fighting with a bank over.

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 2023-02-16 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: U.S. BANCORP
State: OH

Complaint narrative:
This situation began when I purchased concert tickets on XX/XX/XXXX using my U.S. Bank credit card ending in XXXX. 
I then paid the balance in full. 

XX/XX/XXXX - I filled for a charge back because I was working as a traveling front line health care worker and would not be in XXXX  on the new date. 
I live in XXXX XX/XX/XXXX - The charge back was denied to me by U.S. Bank. 

XX/XX/XXXX - XXXX notified me by email that me concert was postponed until XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was CANCELLED and my REFUND WILL BE PROCESSED BACK TO MY ORIGINAL FORM OF PAYMENT. That card ( ending in XXXX ) had expired. 

I ordered a new credit card and was told that my refund would automatically post to my new card. 
( I was told by XXXX more service reps on subsequent phone calls that my old card and new card would be linked. ) XX/XX/XXXX - I requested a refund from XXXX. 
XX/XX/XXXX - XXXX emailed me that my refund will be processed within XXXX days. 

XX/XX/XXXX - I entered the credit card number of my new U.S. Bank credit card on my XXXX account so they could process my refund on to the new card. 

XX/XX/XXXX - As requested by me XXXX processed my refund back to my expired credit card ending in XXXX on XX/XX/XXXX but when I called U.S. Bank they told me they could not process my payment. 

There have been MANY phone calls and emails to both XXXX and U S. Bank concerning this refund. 

I am told by XXXX that the refund has been processed on their end and it is U. S. Bank that has the issue. 
I am told U. S. Bank that they can not process my refund. 

I have told them on multiple occasions that I don't understand why my refund is not being returned to me. 
I am under extreme duress due to this and need help to resolve and get my money returned to me. 

I called US Bank on XX/XX/XXXX to let them know I'm want to fill a UDAAP claim and they said they didn't know what that was and they couldn't help me. 

I have sent many emails and made many phone calls and have left a lot out due to the extent of my documentation. 
I can give any info that is needed. 
Thank you, 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 monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Creditor from XXXX XXXX ( rep named XXXX ) contacted me for a second time on XXXX XXXXXXXX  XXXX, I informed her that this account was not mine and someone opened it fraudulently. I asked to please do not contact until validation that I requested is received by me and reviewed. 
I Contacted creditor back on XXXXXXXX XXXX and they refused to provide their full company name and address to send them appropriate correspondence. The gentleman who did not provide a first name stated that I did not request validation until XX/XX/XXXX which is false. He then Proceeded to hang up the phone. 
Let me clarify that I Requested validation XX/XX/XXXX, at XXXXXXXX when XXXX contacted me via phone, and she provided a civil complaint file number. That interaction is on recording. 
I have absolutely no knowledge of opening this account and I reached out to the creditors in XX/XX/XXXX requesting validation. They failed to provide anything other than a statement from Ace Cash. The statements provided also did not have my correct name. My name is XXXX XXXX XXXX, and the account was under XXXX XXXX which was my father 's name who also resided in the same address at one point. This account has since then been marked as fraud and removed from my credit report. However, XXXX XXXX continues to contact me and threatened to send someone to my home with lawsuit documents. 
Contacted XXXX XXXX one final time to get their mailing address and I spoke with XXXX who provided me with their full business name. This interaction is on recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
Fay Servicing will not do a full appraisal on this property and they only only did an exterior which was done over 6 months ago. We need a current interior appraisal in order to short sale this property and save the seller for foreclosure.

Company response to consumer: Closed with explanation