vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
My wife and I took out a home improvement loan for a pool the pool funds were sent to US Bank in XXXX of 2022. We were delayed due to construction of new suer installed around our property. when that construction ended I started making arrangements for the pool to be installed. I found out that the co borrower my wife took the funds from the bank lied to the pool company the financial institution and to me and misappropriated the funds for self gain and the US Bank refused to give any information as to where the funds went how they were used and who took them. I asked them for a complete investigation but US Bank refused to provide any information about the funds and told me that there was no fraud at there bank. I am filing this complaint because as a consumer I shave a right to know what happened to the funds I signed up for a pool the US Bank refused to give any details of the funds who withdrew the funds and where the funds are. As the primary person who is on the loan for repayment I ask for a complete investigation of those XXXX dollars deposited at US Bsnk in XXXX of 2022 this is bank fraud you can not borrow money from the lender for a pool on a home improvement loan and use the funds for self gain benefit defrauding the bank the pool company and the primary borrower she is in breach of the contract and may have committed forgery too thank you XXXX 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 non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2023, with the assistance of a bank rep I opened a new CD with funds from a joint ALLY savings account to an ALLY acct. which was to be a joint CD. I have done this before with ALLY Bank online. The bank 's software was faulty and opened an acct. in my name only. This rep said she could correct and then we were disconnected. The next rep said she could fix and it never happened. Before I disconnected with the second rep, I asked for a case number, She gave me the number of one of our other accounts. I emailed the bank 3 times and got conflicting information back. Today I spoke to a supervisor who said it will be corrected in 7 t0 10 days. I also submitted a fax request yesterday. Interestingly, the beneficiary information passed over without me requesting it, but not the joint ownership. This is a very serious issue. Should I die, my husband 's fund would not go to him, but to the beneficiaries. This is not what we want and we are very concerned about all the misinformation. Hearing repeatedly it will be fixed in 2 days and now 7 to 10 days. I have no confidence that it will be corrected. 

Can you help correct the account title?

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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-27 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am sending you this message in hopes you can assist me with a problem I am having with Bridge Crest regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX Bridge crest sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX Bridgecrest reported a 30day late to my credit bureaus. 



I was in the middle of a real estate transaction, i paid off my car loan with Bridgecrest before a 30day late. Bridge Crest reported the 30day late anyway. 
My score dropped XXXX with XXXX, XXXX points with XXXX and XXXX points with XXXX. 

I called the Customer Service Department of Bridgecrest and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported and would not be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment. why should a consumer be penalized with a 30day late for completing a car payoff before XXXX XXXX XXXX. I want this corrected immediately as it s only fair, based on the email I recived from Bridgecrest on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. My next course of action is the Federal Consumer Protection Bureau.

To date my credit score was not corrected, the points I lost should have been recovered and my score should have been made whole. Instead Bridgecrest and the credit bureau continue to report a history with a final 60day late as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: OK

Complaint narrative:
My Experian score for auto loans is below 500 and there is no reason for it to be so low since 2013 I've had 4 auto loans that were financed over XXXX and all 4 have been paid in full as agreed with only one late payment ... no repossessions or defaults... so I'm having a hard time figuring out why when a finance company checks my Experian report that there seeing that I'm a risky barrower ... i have attached all the auto loans in my file... you can clearly see that i have a perfect barrowing record with auto loans thank you for any help

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 2023-02-27 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: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I contacted Truist Bank to pay on an old collection I had forgotten about. After XXXX  attempts to reach the recovery department I called customer service and they were able to patch me thru. They pulled up my account and agreed to a settlement. I gave them my pay by check information and was given a confirmation number and told that I would receive receipt of payment and settlement offer letter to my email within one to two hours. I did not receive receipt of payment or settlement offer by end of day XX/XX/XXXX so I called back and was told it should be coming through. 

On XX/XX/XXXX I spoke to a representative in customer service because I could not reach the recovery department. This customer service agent told me that my debt had been sold to a 3rd party and that the recovery department would not have record and I would need to call the 3rd party agency. She gave me the phone number. I asked to speak to management as I had given my bank account information on Friday XX/XX/XXXX and received a confirmation code.

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 2023-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I applied for mortgage assistance with XXXX on XX/XX/XXXX. During that time, I sent all of the needed information to XXXX and was told that during the modification process I would not have to pay mortgage and that it would not be reported to the credit bureau, but ultimately it was reported, and I was denied mortgage assistance because my ex-husband did not send in HIS paperwork, which I was not aware of. I called XXXX at least twice a week and would speak to someone different in the modifications department every time. I would get contradicting answers as to what was needed on my behalf. One week I would call and be told that all is good, we have everything needed. The next week would be a completely different response. I was told multiple times that the person in charge of my modification, XXXX XXXX, would call me back to discuss everything with me, but he never called me. I was the one calling XXXX every week, I don't recall anyone calling me. 

Today, XX/XX/XXXX at XXXX XXXX, I called XXXX and spoke to XXXX and let him know my situation. I told him that I was wanting to see if there was any way that I can get the derogatory marks off of my credit since I did pay the past due amount ( s ) that were owed ( {$4500.00} ) between XX/XX/XXXX and XX/XX/XXXX. He told me several times that he did not see that I paid the above amount, so we went back and forth a couple of times and I told him that I am seeing that amount taken out of my account on the dates above ( XX/XX/XXXX, XX/XX/XXXX ). I then asked to speak to a supervisor and was transferred. I let the supervisor ( I can not remember his name ) know my situation and he told me that I was correct and that I did not need to make monthly payments due because I was going through the modification process. He also stated that the that derogatory marks should not have been sent to the credit bureau. He told me that he was filing a complaint against the modifications department at XXXX for their inconsistencies and then he told me that in order to help get the derogatory remarks removed, that I needed to contact the CFPB and file a complaint against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The account is an Estate account. The checking portion s with Bank of America, and the Estate Mutual Funds are with Merrill Lynch, the investment arm of BOA. I was advised that the two work together. 

Most transactions are done online, in a self-directed account, and when there is a problem, phone numbers are listed for both Merrill Lynch and BOA. Every single phone number results in a transfer back to a BOA representative, including when that representative transfers the call directly. BOA can not handle anything from ML, and it is only extremely rarely I am able to reach a ML rep. 

The delays have made the management of the Estate difficult and untimely. Most often, I have to visit a BOA branch directly to receive any service. 

Essentially, Merrill Lynch is not providing assistance to its customers. This appears intentional, as they do not have the means for customer contact. I have never had the problems establishing contact with a financial institution that I have with ML/BOA.

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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
Banned from XXXX XXXX XXXX for a reason they said is a business decision. 

1. Cashback accumulated on the account was not refund to me.

2. I was not informed after this business decision, continued using of XXXXXXXX XXXX card will not get any cash back due to cash back app is banned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Navient states it is charging me for unpaid student loan. However the attached proves at of XXXX the claim of {$3800.00} was paid in the amount of {$3800.00}. 

Servicers have provided fraudulant accounting attached. It allocates payment of interest, thus leaving a balance. 

Servicer states : Any amount not paid by the trustee under the proof of claim will remain due.

XXXX would then be due. I am then due a refund for last years mistake payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I originally corresponded with Transfinancial Companies on XXXX2022 requesting proof of contract, all original documentation with my signature, also providing a contractual obligation directly between myself & Transfinancial Companies and I have not received it. Transfinancial Companies is reporting that I owe a " Medical Debt '' to them for the amount of {$1100.00}. I have NO contractual obligation to Transfinancial Companies, never the less a medical debt obligation. This a clear breach of my Hippa rights. Transfinancial Companies should NOT be in receipt of my medical information, nevertheless reporting to my XXXX, XXXX XXXX XXXX reports such a fraudulent medical account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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 Account # XXXX Account Name : XXXX XXXX Account # XXXX, Account Name : XXXXXXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 2023-02-27 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: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
First up I was never given my interest rate on this loan but once I had a problem than I found out it was 28 % or more and than included coverage for repairs. It was a used car and I didn't even had for a year the suv year was a XXXX and I went to a gas station and it started smoking and I had it towed!!! When I got in contact with Credit Acceptance the mechanic called them and he was told what they wanted him to do to find the problem with no guarantee they would pay him and then Credit Acceptance gave me the mechanics they deal with. Had it towed again and the mechanic did what they told him and told him they were not going to pay normal wear and tear!!! He said the mileage was turned back and the engine number was scratched off!!! I than connected them and told them. I than wrote a letter registered mail to pick it up and I was voluntary returning it back to them. They in turn called the mechanic and told him they didn't want it. But he followed their instructions. I than got the attorney General office in DC and while I was on the line their Lawyer said they didn't want and do anything they want with the suv. They couldn't make any money off. The attorney General office said the insurance coverage that they had on the car people have had the similar problem and they say the same answer normal wear and tear. I had stayed on oil changes etc... They keep harassing me constantly!!! I want this removed off my Credit Report it's been XX/XX/XXXX and so many days they Report I'm so many days over due!!! It's an illegal practice they are doing. I'm XXXX and XXXX XXXX!!! I don't owe them anything!!! They owe me!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-27 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation