vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I opened an Amazon Synchony Credit card to paid for a purchase of two electric bikes on Amazon on XX/XX/XXXX for {$1300.00}. The bikes delivered about two weeks later and it was not in proper working condition. As advised by Amazon to work with the seller and I did for six months with no progress from the seller. The seller missed multiple dates that he promised to send the battery and other parts. I did everything that was asked by Amazon and seems like they are just telling me what I want to hear and buying time. The last conversation I had with Amazon in early XXXX was the purchase was too far out and they can not do anything about it. I went to Synchony Bank which is the credit card the transaction was made but they didn't help much. I have provided Synchony documents of conversations I had with the seller that he is not fulfilling his promised that Synchony should reverse the transaction. Synchony did not reverse the transaction and I'm stuck with broken bikes and {$1300.00} in debt. I'm sorry but the seller is a con-man and I'm stuck with the bill. Multiple times that this seller mentioned that he does not want his bikes back and not sending me a paid postage label. I really need help on this because I felt like Amazon, this seller and Synchony Bank are not reasoned with me and protecting the bad faith seller and I'm stuck with the bill. Any help with this would be greatly appreciate it as I don't know any other way. I do not want this to ruin my credit that I worked really hard for for many years. 

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 monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: AR

Complaint narrative:
I requested early withdrawal of XXXX from Axos Bank that bought out XXXX in XXXX in amount of {$45000.00}. I still have not received my money. The account balance shows XXXX. I requested the funds be deposited into my local checking account and was twice sent the wrong form for a wire transfer. In XXXX, 2022 I finally requested a cashiers check. I was told it was mailed to my XXXX XXXX address on XXXX XXXX. I have not received it. Today is XXXX XXXX and all the person on the phone would do was give me a case number and wouldn't transfer me to anyone else to discuss. I have seen numerous complaints online some the exact as mine. I am XXXX XXXX XXXX and never had these problems with managing my CD. Your assistance would be greatly appreciated. I feel like these are stall tactics and I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This debt was not verified. I specifically asked what Im being charged for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm submitting this request because it's been over XXXX weeks since I sent my letters out to BUREAU. I haven't received any response at all either written or verbally.

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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I received calls and letters in the mail, sitting by owed dish network {$170.00} so my debt was placed with convergent debt collectors. I stated to them I already paid us with a previous debt collector called XXXX XXXX a year ago! I emailed them my phone record and bake statement which showed the amount of XXXX paid already. So they put it in this cute so they could investigate. I received a letter today, XX/XX/XXXX stating that they confirmed that the charges on the account are still valid and then I still owe XXXX XXXX. I called them and they said they were going to put it in dispute again this is not getting resolved. I keep getting calls in regards to a debt that has already been paid a year ago with provided proof Im still getting harassed about a debt thats already been paid XXXX previous creditor.

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 2023-02-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a Wells Fargo checking account from XXXX and was charged multiple times for not having enough money in my checking account then my account would go negative and I'd be charged again for overdraft fees. If I had less than {$200.00} in the account I would be charged {$8.00}.

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 2023-02-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I paid this vehicle off and 6 months early at that!! There is something wrong here!! They sent in a report that said we were late on vehicle payment. This is not true!!! I made an extra {$4200.00} payment alone in XXXX and then paid it off in XXXX. I've never ever missed a payment on anything and I've been making extra payments. I just got the title yesterday. Never got anything saying I was late on anything. How dare you!! Please look this over again and take this off my credit report and my husbands!! Someone made a mistake and I will got to an attorney if this isn't fixed because it is an error.

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 2023-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Lentegrity Management, LLC
State: TX

Complaint narrative:
My automobile servicer violated the XXXX XXXX XXXX Reform and Consumer Protection Acts prohibition against unfair, abusive, or deceptive acts and practices. 

They Illegally seized my car, because the dealership with whom I obtained the car from refused to honor the service warranty. The car broke down not even 30 days after I obtained ownership of the vehicle. We later found out that the car was still registered in someone else 's name at the XXXX. The XXXX also has an open claim against the dealership. My loan servicer is repossessing vehicles from borrowers who made payments sufficient to stop the repossession or who entered a payment plan. I was not behind on my payments. They did not send a letter of notice which is required by the state of Texas to repossess a car. I never signed any paperwork stating that I wanted to surrender the vehicle. 

They are reporting this on my credit, but how is that fair. They illegally seized the car and refused to XXXX any warranty that was included in the car loan payments. 

An investigation needs to be opened against this lender and the car dealership. The have several cases and complaints open against them for their unethical practices and sloppy record keeping.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I was given the option to extend my credit line to {$1800.00} and then paid {$500.00} towards my bill. The next day on XX/XX/XXXX, I received an email with notice that my accounts ( credit card and credit builder prepay account ) are terminated due to multiple returned payments. Ive had 1 returned payment on XX/XX/XXXX for {$770.00} and made an instant payment the same day for {$1000.00}, paying the balance in full. I have never been late with a payment and had the card over a year, the credit builder account is the second one Ive had and Im only 3 months in. When I contacted the customer service on XX/XX/XXXX via chat I was told the same information, my accounts are terminated, and that my request has been escalated to their fraud team. I contacted customer service after finding their phone number on the internet today, XX/XX/XXXX, waited on hold for 18 minutes and was told the same information by a representative. I explained Ive never been late and thats reflected on my years worth of statements and was told again my request has been escalated. I asked to speak to the fraud team and was told I can speak to a supervisor. I waited another 20 minutes on hold until I was told the supervisor was out today. When I asked why my credit limit would be extended if Ive had multiple returned payments the representative began reading off transactions that, according to my own statements in front of me, did not exist. I said there must be a mistake in their data because I do not have those transactions and I asked to speak to anyone else who could help me- the representative began getting aggressive with me and continued reading off transactions and dates that did not exist. I asked to speak to anyone else and was told to wait on hold ( now totaling 01:09:11 minutes call ) until the call was disconnected at 01:15:54. I called back and had the same representative who gave me the same information as before and told me to wait for an email from their fraud department. I asked how long it would take for a response and she told me she couldnt give me an estimate. I asked for a queue number and she gave me a case number : XXXX. Until then, my accounts have been closed and I have a balance since my credit line was increased the day before closure my payment went into a void and this will severely damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
Chex Systems is reporting incorrect and inaccurate information for me, thus, preventing me from opening a new checking account!

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 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
On XXXX XX/XX/2022, I spoke w/ XXXX from XXXX XXXX bill from debt Collector, Radius Global was paid at XXXX site in person. I sent proof of payment to XXXX per XXXX 's request. I sent a debt validation letter to Radius Global on XXXX XX/XX/2022 & they received the letter on XXXX XXXX giving them 30 days from receipt of letter to VALIDATE per CFPB, with specific documentation ; which they failed to do. They sent a VERIFICATION letter & copy of HEALTH INSURANCE CLAIM FORM which violates HIPPA b/c it has my diagnosis on the form without my signature. Also ignoring verification anything within the VALIDATION letter per Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692G SEC.809 ( b ) I've also contacted XXXX XXXX Privacy & Security Hotline regarding gross violation of my HIPPA Rights.

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Received a credit card which I did not apply for from Comenity BankXXXX XXXX I immediately checked my credit report and noticed that someone had already charged XXXX on the card. It appears the card was opened by someone on or around XX/XX/2023. I contacted Comenity Bank on XX/XX/2023, which is the day I noticed the issue. The CSR at Comenity stated that they were starting an investigation. 

I also noted that on XX/XX/XXXX through XX/XX/2023, there were four hard inquiries for credit cards in my name. These inquiries were not instigated by me or anyone I know. The banks noted on these inquiries were, XXXX XXXX, XXXX, and two by Comenity. I called each of these banks and began a dispute on each. 

I contacted XXXX and reported the above information and requested a freeze on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TN

Complaint narrative:
According to the XXXX credit reporting act 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, amd a respect for the consumers right to privacy. Equifax XXXX and XXXX  are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under title 15 USC 1681 section 604 ( a ) states that, In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies equifax XXXX XXXX ( Furnisher of information to credit agencies ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent weither it be verbal, non-verbal, written, implied or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that, A financial institution may not disclose no public personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my no disclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) A states 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. 15USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 12 CFR 1061.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
I submitted a request on XX/XX/XXXX for a Lienholder 's Certificate which is needed for me to do a Boundary Line Elimination on my property, combining 25 little lots into one lot. This is necessary for tax purposes and county planning and development purposes. It is now XXXX of XXXX. I have provided all their requirements - a property survey, a property plat before the proposed changes and an unheard of {$500.00} charge to create the certificate. After nine months and over 30 phone calls they have still not provided me with the document. Every time I call they tell me it is pending. They have made a few attempts to call me, but have never left messages or a convenient time/way to return calls even though I've requested a specific method of establishing direct contact. The few times I was able to reach a live person, the only information they have provided in nine months is that the request is with their legal department, there is no way to reach that department directly, they can only continue to contact the legal department and ask for updates, and that the matter is still pending. 

I have sent numerous emails and phone calls. I finally submitted the following Letter of Demand by email on XX/XX/XXXX. 

This is a Letter of Demand regarding a request submitted to your office XX/XX/XXXX. The Demand is for a Lienholders Certificate that has not been completed in 8 months since the initial request. SPS requested a plat and survey which was submitted XX/XX/XXXX. By XXXX of XXXX, the document still had not been received. SPS stated the request was sent to the legal department and the cost would be {$500.00} for them to generate the document, but no one knew how or when the payment was to be made. No indication of what the next steps were provided. The same information was given repeatedly and no one had updates from legal. After a number of phone calls to the ombudsman department placed throughout XXXX, XXXX, and XXXX, information was finally provided about how to pay the required fee, which was made immediately on XX/XX/XXXX. Since then, over 20 calls have been placed to SPS for updates and no further progress or information has been provided. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: OH

Complaint narrative:
HI I have recently made a complaint since my credit card with discover was denied every time I apply. I received a feedback saying that I can not apply for discover credit card right now but due to some reason I am not able to apply for any other credit card like XXXX, XXXX XXXX etc. 
Please help me out and let me know what to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I called the bank asking for assistance in disputing transaction from nonrespondong vendor due to incomplete work and dalse charges.Cap One agent promised to send me a follow up letter, I never got it.By accident I found out I need XXXX XXXX fax over, which I did timely.Now they claim thry never got faxed documents and yesterday I received an email communication that my charges were reversed because I failed to provide a paperwork. 
I called to complain and asked them to look at fax better, they offered me an email to upload which I did and they still did not reverse the charges.

Company response to consumer: Closed with explanation