vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The correct name on the account is XXXX XXXX. This is related to Money Network issued card from XXXX, for XXXX benefits. On XX/XX/year>, I tried to activate my card and the app was not working so I called Money Network XXXX. They told me the card was already activated and my funds ( XXXX ) had already been transferred on XX/XX/year>. I explained to them the card was in my possession the entire time but I did not activate my account yet. I asked for their XXXX XXXX, but they refused to provide me with any contact info. I asked them to open a dispute and they said I would be getting an email to submit my claim to. I never received an email. I called back several times, but they kept transferring me and putting me on hold for over XXXX hr, and never returned to the call. This happened 3 times. Finally I called again and they woman told me to contact XXXX. When I called XXXX, they said they couldn't help me and told me to call Money Network. I tried calling again and still they will not open a claim or help me get directly to the XXXX dept!

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: GA

Complaint narrative:
CFPB PLEASE DO NOT SAY I HAVE SENT THIS IN BEFORE THIS IS A NEW ITEM AS THEY BALANCE AND WHAT IS DUE IS INCORRECT AND I AM HAVING TO RUN CREDIT FOR A NEW HOME LOAN AND IT STILL SHOWS IT OWING A LOT MORE THAN WHAT IS DUE. 

PLEASE ASK THEM TO UPDATE THE CREDIT REPORTS FOR ALL MY CARDS INCLUDING US BANK. IF UNITED COMMUNITY IS SO CUSTOMER FRIENDLY UPDATE THE REPORTS!!! i NEED IT NOW NOT ON THE XXXX OR LATER THANK YOU. 

CFPB PLEASE DO NOT SAY I HAVE SENT THIS IN BEFORE THIS IS A NEW ITEM AS THEY BALANCE AND WHAT IS DUE IS INCORRECT AND I AM HAVING TO RUN CREDIT FOR A NEW HOME LOAN AND IT STILL SHOWS IT OWING A LOT MORE THAN WHAT IS DUE. 

PLEASE ASK THEM TO UPDATE THE CREDIT REPORTS FOR ALL MY CARDS INCLUDING US BANK. IF UNITED COMMUNITY IS SO CUSTOMER FRIENDLY UPDATE THE REPORTS!!! i NEED IT NOW NOT ON THE 29TH OR LATER THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Please see the attached dispute letter that was sent XX/XX/2024 which is dated, and time stamped addressing 2 accounts that are reporting inaccurately. The accounts in question are XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX  XXXX. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). XXXX and Transunion are reporting different dates for the date last active for XXXX XXXX XXXXXXXX. They were notified of this in the letter attached. I contacted the creditor, and they stated that the account was not verified, and all information being reported should be consistent which it is not. XXXX XXXX XXXXXXXX which is being reported by XXXX and Transunion is not accurately reporting. There are different balances being reported with a discrepancy of {$1.00} and the date last active is also inconsistent. The original creditor informed me that there is no balance of this amount, so I am confused why this information is being furnished. Due to non-compliance and obvious FCRA violations I am requesting that the aforementioned account are removed 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 non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the attached dispute letter that was sent XX/XX/2024 which is dated, and time stamped addressing 2 accounts that are reporting inaccurately. The accounts in question are XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). XXXX and XXXX are reporting different dates for the date last active for XXXX XXXX XXXXXXXX. They were notified of this in the letter attached. I contacted the creditor, and they stated that the account was not verified, and all information being reported should be consistent which it is not. XXXX XXXX XXXXXXXX which is being reported by Equifax and XXXX is not accurately reporting. There are different balances being reported with a discrepancy of {$1.00} and the date last active is also inconsistent. The original creditor informed me that there is no balance of this amount, so I am confused why this information is being furnished. Due to non-compliance and obvious FCRA violations I am requesting that the aforementioned account are removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing this complaint against Enerbank USA regarding unfair lending practices and inaccurate credit reporting. 

In XX/XX/XXXX, I entered into a XXXX, 0 % interest, same-as-cash financing agreement with Enerbank USA. Around XX/XX/XXXX, I stopped receiving account statements for XXXX consecutive quarters ( nine statements ). 

Unaware Address Change : My investigation revealed that Enerbank had changed my mailing address without my knowledge or consent. This change prevented me from receiving statements and hindered my efforts to access my account online. 

Attempts to Contact Enerbank : In XXXX XXXX, I attempted to contact Enerbank via their website and phone to request statements, inquire about the final due date for the same-as-cash period, and request a payoff amount. Unfortunately, I was unable to verify my account due to the incorrect address on file. 

Due to a planned trip abroad, I contacted the vendor who facilitated the loan to assist with communication. Upon my return, both the vendor and Enerbank confirmed that my address had been changed to an unknown location. This error was the sole reason for my lack of statements and online access. 

Request for XXXX XXXX : Despite acknowledging their error, Enerbank refused to honor the 0 % interest agreement and final payment attempts made two months before the original deadline. I had already paid {$3000.00} towards a loan of {$9800.00}. However, Enerbank demanded a total of {$9000.00}, resulting in a discrepancy of approximately {$12000.00}.

Intervention by Attorney General 's Offices : I sought assistance from the Attorney General 's offices in Virginia and Alabama. Following this intervention, Enerbank agreed to extend the same-as-cash period to XX/XX/XXXX. They confirmed that paying the principal balance would eliminate interest and late charges. 

Disputed Late Fees : An additional {$180.00} in late fees was added to my account. I dispute these charges because timely payments would have been made had I received proper statements. 

Unfulfilled Promise : Enerbank representative XXXX XXXX verbally confirmed that paying the principal balance by XX/XX/XXXX, would eliminate interest and late fees. I fulfilled this obligation by making a payment on the Enerbank website on XX/XX/XXXX. 

Unexpected Charges : Despite fulfilling the agreement, Enerbank is now claiming over {$3000.00} in interest charges and requesting a {$60.00} settlement fee. 

Reason for Complaint : I believe these actions by Enerbank constitute unfair lending practices. The company 's error in changing my address led to a series of issues, including missed payments, disputed fees, and inaccurate credit 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 monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Was alerted via text about a odd charge to my account XXXX to which I did not authorize. XXXX was a sunday so I had my card shutoff. Called wells fargo. 
Morning of XXXX - a monday Blocked card, called Wells Fargo immediately, and started claim over phone. Went through transactions over phone, stated some transactions are very obvious not me, others I need to look at my calendar, location, and look up vendors and try to verify. Phone rep told me i would receive my claim # via email soon and they need about 10 days to investigate. 
Approx XXXX min after that call I received a text from Wells Fargo, saying they sent email of claim # to my email at XXXX This emial does not belong to me, so I call wells fargo to let them know they have the wrong email and that I Have never had that email. Wells Fargo XXXX told me they did not send the email, and then I read them the phone number to be sure, and I was told it was not their number. The confirmation # in the fraudulent text was correct, so after speaking with rep we came to conclusion my email likely had been hacked- since they did send the confirmation email of claim to my real email. I changed email passwords and bank passwords immediately. 
I began to call merchants to try to confirm who/what the business is so I can give Wells the most accurate info. 
Few days pass and I call and update my claim, by removing XXXX charge from fraud, and also adding some additional unauthorized charges. 
XX/XX/XXXX I recieve notification on wells fargo app- it says my claim was denied. 
I call to dispute and ask how they came to that conclusion. No answer given. They said they would mail me the reasons, and I should receive in 30 days or less.

Im upset and in panic because i need my money.

I call sherrif and file a police report. I contact vendors who send my fraud paperwork. I send completed fraud paperwork to vendors I am able to get ahold of, I have my bank statement and and some fraud report notarized. Sherrif receives screenshot and scans of all evidence I have collected. I call wells fargo and ask If I can submit additional reports, evidence, and information about my claim. Im told I can once I receive the denial info letter explanation in mail. 
XX/XX/XXXX I get denial explanation. It says my pin was used. So they denied me. 
Majority of my claim involves online vendors where a pin is not used. So I call Wells to dispute and add docs to my claim. They say I can not update a claim that they have already made a decision on. I ask what I can do to get my money back. Short answer- nothing. {$2900.00} and they cant do anything ... ... .....

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 2024-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My XXXX Credit Card serviced by Synchrony Bank ( SB ) is missing a payment made on XX/XX/2024 for {$32.00}. I previously filed CFPB Complaint XXXX. SB requested Proof of Payment ( PoP ). I requested PoP from my bank ( paying bank ) and sent it via SB secured messaging on XX/XX/2024 ( no reply from SB ). SB bank replied to CFPB Complaint XXXX on XX/XX/2024 that they never received the PoP. With the above stated, again is my PoP ( see attached ). I asked my bank why a 21st Century bank only permits paper check payment vs ACH and they stated the receiving bank sets the payment method. Also to note, the payment was made on XX/XX/2024 and the check was cashed on XX/XX/2024 ( 14 days after payment ). A previous payment on XX/XX/2024 took 11 days to clear and a post payment on XX/XX/2024 took 13 days to clear. XXXX mail takes XXXX days across country for arrival. Last to note, SB Secured Messaging does not retain a history of Sent messages.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently reviewed again my XXXX, XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Several phone calls have been made to Equifax form XX/XX/XXXX to XX/XX/XXXX. I am currently in the process of obtaining a morgage loan and my lender is unable to access my Equifax credit score. I have spoke with different agents about the problem and it has not been fixed. I was told to tell the lender to use my old address to access my score, but that still did not work. I have mailed documents to confirm my identity as well as submitting online disputes with proof of identity. Equifax is the only credit reporting agency my lender is unable to access. I have been told all of my information is correct, but they still cant tell me why its not accessible. Its states my file has been flagged for fraud. Equifax states there are no fraud alerts on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE Kindly address the immediate removal of the fraudulent inquiries from my credit report, as they were not authorized by me and are causing considerable distress. These accounts were neither initiated nor approved by me, and it is unjust for me to be held accountable for them. I implore you to swiftly rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank toward me as a consumer have been treating me and affecting my credit wrongfully. I received a letter dated XXXX ( attached ) I opened this card through Lowes back in XX/XX/XXXX. I have not used the card since. 
Synchrony has treated me very unfairly and rude. They lowered by credit line " twice '' to what I owe on it and for no reason and negatively affecting my credit score. My payments have been made every month and I am on automatic payments now. Now again this month, XX/XX/XXXX, they lowered it again to what I owe on it for no reason. The letter states these reasons which are highly mannered to attack consumer for no good reason : *High ratio of balance to credit limit over the last 3 months is too high on this account. *The ratio of last payment to amount due is too low. *The number of months since the account was opened is too low. *The average payment on this account over the last 6 months is too low. Again, I have not used this card since almost a year ago and they have been constantly monitoring my credit and mishandling my credit bureau score. They have lied on the letter about my score which is XXXX points lower than my actual score. I spoke to a XXXX who would not give me his last name or any other ID today and complained to him about this letter I received and the reasons they gave are completely wrong and inaccurate. He stated they do quarterly reviews of my credit report. I told him the reasons on this letter are wrong. Every month my minimum payments are made and these payments have been put on Autopay also. So these reasons are completely inaccurate and I advised they are affecting my score negatively every time they pull down the credit line which I was originally given XXXX and they decreased it to what I owe TWICE for NO GOOD REASON!!! I have not used the card since XX/XX/XXXX LAST YEAR and I have been making every monthly payment since!!!!! This bank is screwed up. Also, they are now adding a monthly charge of XXXX a month to your balance owed for paper statements if you don't opt out of paper statements.

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 2024-04-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc.
State: NY

Complaint narrative:
TOMOBOOST keeps trying to charge my card after I have repeatedly asked to cancel the membership since they have dropped from my credit report after missing a payment. I no longer want the service and they are refusing to cancel or respond to my numerous emails to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
The company keeps reversing charges and trying to recharge them. This effectively makes the payment late if I don't have double the amount in my account. The bank has been holding these payments and now has made it so I can not operate my business because of these reckless charges being reversed and resubmitted without them dropping off. Even today, the payments and the accounts do not match up. When you call, they tell you to just trust them and refuse to send anything that helps. I have had two loans with them that caused these issues. This is not okay, I have made payments in advance and always pay on time. My credibility isn't in questions, their ethics should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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