vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I keep getting bills from Lockhart , Morris & Montgomery , Inc and XXXX XXXX XXXX. 

I received a letter, I called and they have info on the account number they provided on the letter. No one can tell me what services were provided. What I am being charged for. 
I requested a copy of the bill and services provided, I was told they would have to request those doc 's and then tried to pressure me into paying {$470.00}. 

I need help .... I do not know why they are billing me and adding this to my credit bureau report. 

Please help!!!! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The three credit bureaus TransUnion, XXXX, and XXXX have been causing me extreme distress. Each of these companies have been reporting incorrect information on my credit report! This is really frustrating because I have sent them countless letters and to no avail they aren't even responding to my letters anymore. No explanations or anything, they have completely ignored me beyond the point of disgust. With each of these bureaus reporting different information on these accounts there is absolutely no way to prove who is right and who is wrong. Also this is against FCRA guidelines, per the FCRA each bureau must report identical Information to a credit report and neither credit bureau as adhering to FCRA rules. It is truly disturbing when you have these credit bureaus getting away with such injustices. If they continue to get away with it they will continue to do it. Please help in resolving my issues, 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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The three credit bureaus XXXX, XXXX, and Experian have been causing me extreme distress. Each of these companies have been reporting incorrect information on my credit report! This is really frustrating because I have sent them countless letters and to no avail they aren't even responding to my letters anymore. No explanations or anything, they have completely ignored me beyond the point of disgust. With each of these bureaus reporting different information on these accounts there is absolutely no way to prove who is right and who is wrong. Also this is against FCRA guidelines, per the FCRA each bureau must report identical Information to a credit report and neither credit bureau as adhering to FCRA rules. It is truly disturbing when you have these credit bureaus getting away with such injustices. If they continue to get away with it they will continue to do it. Please help in resolving my issues, 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 explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have a XXXX XXXX MasterCard that has larger balance on it. We were approved for a credit card with XXXX XXXX that had a promotional 0 % interest on balance transfers for a year. Perfect by not dealing with interest we can easily pay off the balance. The balance transfer, {$4700.00}, was approved on XXXX XXXX XX/XX/XXXX. Today, XX/XX/XXXX, I checked and that amount has not been applied to the XXXX XXXX card. When I contact the company I am being told it could take up to 4 weeks to be applied. I have transferred balances in the past and NEVER had this issue with other companies. So even though XXXX XXXX has been paid I am still paying interest on a balance that should not be on that card any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Made a deposit at the U.S Bank ATM at XXXX XXXX in XXXX XXXX, CA. 
The ATM instead disbursed an error receipt, which read A MACHINE ERROR HAS OCCURRED AND WE ARE UNABLE TO CREDIT YOUR ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. PLEASE CONTACT XXXX SO WE CAN ASSIST IN THE RETURN OF THESE ITEMS. 
I called, they opened a claim that they said would take XXXX days to get to, and if I needed immediate assistance with credit to my account to walk into my local branch. 
I drove over to the XXXX XXXX branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and spoke with Branch XXXX, XXXX XXXX. 
She was very rude in assisting us, and did not answer questions I had. Instead told us the XXXX or XXXX number given they unfortunately always send people to the branch thinking we can help and we can not. I asked her the vendor/third party who services the US BANK ATM XXXX and she she why do you need that information? I replied, is it in your policy to not give that information? She replied, The third party vendor is irrelevant to this situation! I replied, it is of relevance to me. So again, is it in your policy to not provide that information? XXXX replied, I am sorry but I can not help you with your situation. 
I am disappointed at the customer service and lack of help. With other banks, they credit you while in investigating the issue, as in this situation it is not the customers fault. Whoever the third party is that maybe services the ATM dropped the ball, and now I am out of funds because I trusted the US BANK name.

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 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a package of 15 Coolsculpting cycles from XXXX The total package was {$13000.00}. I paid {$3400.00} on XX/XX/2021 and I paid {$4000.00} on XX/XX/2021. I used 7 cycles, two of those cycles never properly attached to my skin and the tech noted that in my file. I tried to get a refund for the 8 remaining cycles and they refused to refund my money. Reflections response : XXXX, We have to pre-purchase the cycles, so they are non-refundable. I will be happy to get you scheduled for the remaining treatments at your convenience. Please let me know if you have any questions. 

Im not happy with the cycles that I received. 2 cycles which never attached to my skin which caused my abdomen to be uneven and it takes three months before you see results. 
On XX/XX/2021 I disputed the {$4000.00} charge from XX/XX/2021 and BB & T declined my requested because the disputed I submitted wasnt reviewed by someone in Fraud Protection by the deadline which put it over the deadline. I dont feel like its my fault as long as I disputed the charge prior to the deadline. Ive made several attempted to discuss this with BB & T and the issue still remains. There were a couple other charges I disputed around this time that were never resolved either. XXXX XXXX XXXX XXXX XXXX XXXX  and to be honest, I didnt really think or have time to go over my bank statements. At the time I wasnt worried about bank transactions. But when I was able to go over my statements, there were a couple of issues, a charge for a hotel that I was charged twice for, totaling {$860.00} and another duplicate charge from a moving company totaling XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Opened a 5/3 checking account online, in response to a hardcopy mailer ( attached ) promising {$300.00} bonus 10 business days after making qualified deposits. I made the deposits via direct deposit of my paycheck. Exactly as specified in the offer. 

No bonus was received as specified. I tried contacting 5/3 via their barely functional online Chat feature, with barely sensible responses. Finally gave up on that and called their Customer Svc # -- spent a half-hour with multiple representatives, plainly laying out the terms of 5/3 's mailer and how my actions met their terms. And getting, " I don't see that your account is eligible for any bonus. '' Finally the last rep said, " you'll need to go into a Branch to resolve this. '' There is nothing in the terms of this offer requiring me to go into a Branch to secure the promised Bonus. 

Side note : 5/3 's website is barely functional. There is no way to email this company. All they offer is online Chat, regardless of their Customer Svc hours. To get to Chat, they send you to an endless loop of " Login to Chat '' -> Login Again -> " Login to Chat '' ... Over and over. Almost like they don't want to let you log a service ticket / email. Horrible, horrible experience with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Total amount I disputed- approx XXXX $ Date ranges XXXX XXXX Bank of Americas Edd prepaid card services. I inquired with a representative over the phone if I could still file a claim that took place the previous year. The representative said yes and I was eligible to file a claim and submit it for review, I had already previously filed a claim but only one out of the multiple charges was approved at the time I filed it. Anticipating the results I was informed by Bank of America via written notice the 365 day federal regulation prevented them from completing the claim and its being denied. Why would the representative not have access to that information? I was relayed information that it would be investigated accordingly and it was still able to be processed

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 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, my wife deposied a check for {$30.00} via USAA 's mobile app. The application accpeted the picture and deposied the check into our checking account. On XXXX XXXX, XXXX USAA took the {$30.00} back in the form of a " Return Deposit Item. '' Then on XXXX XXXX, XXXX the chearged us {$5.00} for the " Return Item Fee. '' On XX/XX/XXXX I called USAA and spoke to numberous people about this situation and eventually one of the people refunded the {$5.00} fee. I called back on XX/XX/XXXX and spoke to a " manager '' from USAA and she was able to find and acknoweldge that nothing was wrong with submitted picture of the check we sent in. 
Therefore, we did everything correctly and I asked for USAA to get us our money back. After many phone calls and escalations to some bogus " Executive Resolution Team '' we are still without our money. The manager I spoke with said the money would be sent to our account in a few days. I waited a few days and never got the deposit so I called back. This time, whoever answered the call said it takes up to 10 business days to receive the money. Ok, so we waited again. Today, XX/XX/XXXX, we still have not receieved the funds and called back. This time, they told me to mail in the check. 
I have told every single representitive that this whole issue and the reason I have been calling for weeks is because after we got the sucessful deposit message from the USAA Mobile App and after the funds were in the account we destoryed the check. We have no way of identifying who sent it and/or how to go about getting them to re-issue the check. 
This is USAA 's fault from beginning to the end. They have the full and proper image of the check within their system. THEY should do the necessary legwork and hunt down the information they need to return the funds they stole from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XXXX XXXX I had got a message on XXXX from a friend that I know and trusted asking if I wanted to make some extra cash? I said yeah I am, and I did not know his Instagram account was hacked and it was the scammer that was contacting me with his account. Told me he did an investment with this guy on XXXX, gave me his name and to message him and told me that this guy will explain it all. I fell for it because I thought my friend was messaging me and knew my friend would not lie about something like that. I got in contact with the person that was saying he was investing with binary trading. Told me he could flip the cash into more and I would just pay him a percentage out of it. I even talked to him over the phone on XXXX, I sent {$1000.00} through XXXX and waited, then there was nothing deposited yet, he then messaged me saying a XXXX irs fee that will be refunded, and I told him I didnt have that much that I only had {$400.00}. He told me to send the {$400.00} and XXXX help with the other {$300.00} since Im a first time customer. But I sent the {$400.00} to a different name and a different XXXX  account. And he kept telling me to wait a sec and I was waiting. He then told me to go to my settings and to change my email address and I did not know what I was doing and he got into my XXXX account and logged me out and I tried to get back in and he had already changed my password and phone number and email address that was associated with my XXXX account. I can no longer get into my XXXX account, and the scammer is now using my account to message my friends on XXXX and trying to scam them as well. As soon as I was logged out of my account I knew I was scammed and I immediately contacted my bank and told them what had happened and they filed a claim for me and today XXXX XXXX I called the bank to check on the status of the claim and told me that my claim was closed due to me making an authorized payment through XXXX. I asked my bank what I would need to do now but told me there was nothing I could do that my claim was closed and that I was not gon na get my money back.

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 2022-01-03 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
On XXXX XX/XX/2021 I filed a complaint against Specialized Loan Servicing, complaint number XXXX. 

They responded on XXXX XX/XX/2021. Their response was, that the account was paid in full on XX/XX/XXXX, XXXX and they were in the process of refunding {$100.00}, for the six days from the closing date of XX/XX/2021, to the payment in full on XX/XX/2021, and the late fee of {$71.00} will be refunded. 

First, I got a XXXX mortgage bill on XXXX XX/XX/2021. Second, as of date, I have NOT received my refund, and third, nothing has been reported to the credit bureau that my account is paid in full.

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 2022-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a personal loan through their website. I was approved after XXXX steps, and then I went to verify my bank account. Only after this step, it was revealed that there were points / Origination Fee that were not upfront. It was only until today, XX/XX/XXXX, that the Best Egg Loan Agreement and Promissory Note were sent over to me via email. 

This practice is deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skyline Financial Corp.
State: MD

Complaint narrative:
I continue to receive phone calls from debt collectors that I do not owe. My identity was stolen a few years back and I have been trying to fix it ever since. I have paid all of my past debts but yet I keep receiving calls from accounts Ive never had.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-03 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: VA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: VA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently applied for a loan and the amount I applied for was reduced due to Suntrust Mortgage not updating my mortgage to closed and transferred to XXXX. Therefore, it appears that I had two mortgages instead of one. I contacted Suntrust mortgage today ( XX/XX/XXXX ) and was advised I had to wait for 30 days for the dispute process to be completed. I advised my information could be updated via XXXX with less time ( 72 hours ). The mortgage customer service agent ( XXXX ) and her manager ( XXXX ) reached out to the Credit Manager who denied this was possible and they do not have access to XXXX. I would expect small establishments not to have the service due to expense not a large corporations such as Suntrust/Truist . I felt it was dishonest for them to deny their access to this system and their unwillingness to escalate the issue since it was their negligence that impacted my loan negatively. My mortgage has been with XXXX bank since XX/XX/XXXX. I think that is more than enough time for a company to update a tradeline. If the a Credit Manager is not aware of XXXX and how it works that also presents a concern.

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