vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
William and Fudge debt collection keeps calling me many many times a day at weird hours and is also reaching out to my work, friends, relatives, and being very inappropriate. I asked them to stop reaching out yet they continue to do so and are being very inappropriate over the phone, even verbally escalating at times and I feel harassed and violated. This is the most unprofessional company I've unfortunately had to do business with. Due to financial difficulties with paying school loans trying to continue my education while working full time. I'm trying to settle the debt but need time and do not want to be harassed. In addition they are unwilling to negotiate debt at all. I want the harassment to stop, I'm treated like a criminal over a small amount of school debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
XX/XX/2022 - I submitted a request through my online XXXX XXXX XXXX XXXX XXXX Webster Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was already verified with micro deposits. 

XX/XX/2022 - I submitted a request through my online XXXX account to transfer {$8500.00} from XXXX XXXX XXXX XXXX XXXX  also verified by micro deposits, into my XXXX XXXX savings account. 

XX/XX/2022 - {$21000.00} was withdrew from my XXXX savings account. 

XX/XX/2022 - {$8500.00} was withdrew by XXXX from my XXXX XXXX XXXX account. 

XX/XX/2022 - Received two emails from XXXX with reference numbers that my transfers have been stopped ( see attachments ). I responded and then called in immediately. I spoke to a representative who told me they need to verify accounts with Photo IDs ( which I had sent in already at account opening ) and statements ( which I thought strange because they have already been verified with micro deposits ). I sent all of this information in on XX/XX/2022 and again on XX/XX/2022 ( see attachments ). 

XX/XX/2022 - XXXX confirmed received, and said they still need to verify account. I resent them all the documents. 

XX/XX/2022 - Re-emailed all documents and ask to please look into this, as neither transfer had been completed. Also sent to XXXX, as she had replied to an earlier email. 

Called in after getting no response. They told me they received the documents, and they are under review with their back-office staff. Told me to expect a XXXX hour turnaround time. 

XX/XX/2022 - Called again and they had no answers for me. Told me they would send an expedited email to their back-office. 

XX/XX/2022 - Called again for an update. They had no answers and said they are still waiting for a response. 

XX/XX/2022 - Called again for an update. They had no answers and said they are still waiting for a response. 

XX/XX/2022 - Called again for an update. They had no answers and said they are still waiting for a response. 

As of XX/XX/2022 I am still waiting on the transfers. I do not know where my money is, as XXXX must have it in a holding account. I am losing out on interest. Please note that XXXX is a sub-brand of Webster Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Someone went to BrandsMart and open an account in my name on the XXXX of XX/XX/2022. I was alerted by receiving a letter in the mail on the XXXX of XXXX from Synchrony Bank that they required more information to verify my identify. I immediately call them at the XXXX to informed them that I did not request any credit product. They informed me that they will close out the application. I then went to check my credit report to see if there were anything about this account on my report. I found that there was a credit card on my report that I did not authorize from a creditor name XXXX with the account # XXXX. I immediately contacted this company at XXXX to informed them that I have not applied for any credit with them. They informed me that someone did apply and was approved for {$5000.00} credit limit which {$3200.00} was used to purchase items from BrandsMart. I informed them that I did not purchase anything from BrandsMart or authorized anyone to purchase anything in my name. They informed me to contact BrandsMart because that is where the application came from. I went to BrandsMart and spoke to XXXX XXXX XXXX the General Manager, and he informed me that it was nothing he could do and that I need a subpoena for him to discuss anything about the account with me. I immediately went to file a police report for fraud with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX After filing this report this report i then call XXXX again to informed them that I had filed a police report and that I will be seeking legal remedy if they don't remove this from there record and remove this account from my credit report. They informed me that they will mark it as a fraud account, and they will be contacting the three-credit bureau to remove it from my credit report and that I will be receiving a affidavit from them by mail within 5-7 days. I have not received anything from them or any removal from my credit report of this account. I do have the recording of the conversation.

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 2022-11-01 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: IN

Complaint narrative:
hello my name is XXXX XXXX and my phone number is XXXX with address at XXXX XXXX XXXX XXXX XXXX in this XXXX XXXX XXXX  they are reporting to me that i owe them more than XXXX but it is not true that the loan was for a car that was defective and I return it. They have the car and they still want to charge me for something I don't have. I already talked to them and they wanted to charge me and they threatened that I would pay them they were going to report my credit and it would affect me and if they are doing it this service is affecting my credit and I need them to do it remove it and stop harassing me for charging something that I do not have. because the car was returned to them, therefore I do not owe them anything, thank you if you can help me with that please.

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 2022-11-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
I HAVE A MORTGAGE WITH UNITED WHOLESALE MORTGAGE... I DID MISS A PAYMENT IN XXXX XXXX OF {$720.00}, AND BEEN MAKING OVER PAYMENYS EACH MONTH SINCE THEN WITH WRITTEN INSTRUCTIONS TO APPLY THE EXCESS FUNDS DIRECTLY TOWARD MY MISSED XXXX PAYMENT EACH MONTH..THEY SAY NO THEY ARE PUTTING IT INTO WHAT THEY CALL A APPLIED FUNDS ACCOUNT NOT TOWARDS THE MISSED XXXX PAYMENT. SINCE XXXX EVERY MONTH THEY KEEP CHARGING ME A NEW LATE CHARGE EVERY MONTH.. I WAS ON THE PHONE WITH THEM YESTERDAY AND THE LADY SAID THEY RECEIVED XXXX PAYMENTS MID MONTH FOR OVER {$700.00} FROM ME AND ON XXXX XXXX I SENT A PAYMENT OF XXXX THEY SAY I STILL OWE THEM A PAYMENT FOR.. {$78.00}, THEY SAID FOR ESCROW, INCREASED TAXES AN HOME INSURANCE INCREASES... I TOLD THEM NEITHER XXXX XXXX HAS EVER NOTIFIED ME OF A INCREASE IN POROPERTY TAXES OR MY HOME XXXX. XXXX NOTIFIED ME OF A INCREASE OF XXXX PREMIUMS... I SAID I THINK I SMELL SOME EMBEZELMENT HERE THEY HUNG UP ON ME,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I would like to lodge a complaint about Fay Servicing ( https : //fayservicing.com/ ), which was the mortgage servicing provider on my home mortgage. Fay sold my mortgage to XXXX XXXX and as of XX/XX/XXXX, XXXX took over my mortgage. I was current on my mortgage loan at the time and had no outstanding payments to make as of XX/XX/XXXX. However, on XX/XX/XXXX, after XXXX owned my mortgage, Fay withdrew a {$6000.00} mortgage payment from my XXXX checking account for the month of XX/XX/XXXX. Fay did not provide this payment amount to XXXX XXXX  because XXXX contacted me to say my payment for XX/XX/XXXX was overdue. So I then had to pay XXXX XXXX XXXX XXXX for the month of XX/XX/XXXX, meaning I made two mortgage payments for XX/XX/XXXX to two different companies. I immediately contacted Fay Servicing to ask them to return the XXXX XXXX they unlawfully withdrew from my XXXX account on XX/XX/XXXX, after they had already sold my mortgage, but Fay has not responded to me ( it has been over a week since I emailed them ). Fay has has not returned my money, and they have not sent the money to XXXX XXXX This is totally unacceptable and I would greatly appreciate help from CFPB. Fay Servicing basically stole XXXX XXXX from me, and I can not afford to make two mortgage payments in one month. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
Re Vanilla Visa Gift Card, XXXX XXXX XXXX XXXX spoke by phone with Visa GC rep regarding {$50.00} gift card received in XX/XX/XXXX -- XXXX balance on card. XXXX stated card " had been used XX/XX/XXXX out of XXXX XXXX for an XXXX purchase ''. I received the card in tact in XXXX, and therefore made no transaction. I was told by rep investigation could take " up to 90 days ''. I submitted a detailed letter to Vanilla Visa Gift Card customer service address in XXXX XXXX  on XX/XX/XXXX, with no response. A follow-up letter was sent XX/XX/XXXX, am awaiting hopefully for a response ; however, dim. I am asking for your assistance at this time to have Vanilla Visa Gift Card company to honor their agreements, and provide me with a VALID {$50.00} gift card. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
inquiries for XXXX appears twice on consumer report with no account Inquiry for XXXX XXXXXXXX appears on consumer report with no account 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written Instructions 15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

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 2022-11-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Toyota reported I made my XX/XX/2022 lease payment late, when I did not. 

The problem began when I paid my lease payment of {$300.00} on XXXX XXXX and partial payment was applied to my property tax due in the amount of {$91.00} and the rest was processed towards my payment in the amount of {$200.00}. 

Toyotas system applied my payment incorrectly and I have had this issue many times in the past with them. Because this payment was not processed correctly it effected all my upcoming payments made. Toyota needs to fix the way their system processes payments. I have had to call Toyota almost every month to fix this. This XXXX payment I did not follow up on and since I didn't call Toyota never fixed it. I shouldn't have to call each month to have my payment made correctly. 

I called Toyota to discuss their system issue and was told to process a dispute via my credit agency and they were unable to fix this on their end because it was a mobile payment that was made? 

I was also told in the past by Toyota that your payment should be processed before amounts are applied to your property tax, but this is not what is happening at all. 

Toyota refuses to fix this problem on my report when I was not in error but they were. I should not be penalized by this on my credit report when this is an issue within their system. 

If Toyota would take the time to look at my payment history they can see I make a {$300.00} every month on time. 

I processed a couple disputes with my credit agencies and all of them Toyota is saying there is not issue, when there is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
In XX/XX/2022 my accounts at the Ally Bank ( CD and high-yield ) were restricted due to a " suspicion of fraudulent activity ''. After that in order to verify my identity the Bank asked me to upload copies of my driver license, social security card and a bank statement confirming my home address. I did it in early XXXX. A representative of the Bank informed me that an investigation would be conducted and completed in 3-5 business days. When that period expired I spoke with a Bank 's assistant to find out what was going on with my accounts. She said that the investigation would in fact take 30 days. In XXXX I called the Ally several times and asked their assistants to pass me on to the investigator dealing with my case but they always told me that the investigator was busy or not in the office right now and that he/she would definitely call me back within 24 hours. I've never received any calls from the investigator. 
I consider it totally inadmissible that for more than 2 months I've not been able to access my accounts and to manage the funds I own. I look forward to your reply and a meaningful resolution to my problem. Please don't hesitate to contact me by email or phone ( 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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
Experiencing an issue with Optum Financial and missing funds in a Flexible Spending Account. Transactions occurred in the following manner : XX/XX/XXXX Routine eye exam followed by purchase with XXXX {$730.00}, use XXXX. 
XX/XX/XXXX XXXX XXXX from Optum that {$270.00} ( prescription sunglasses ) did not meet guidelines. Instructed to reimburse XXXX. 
XX/XX/XXXX Contacted Optum and spoke with an agent. Requested an explanation for dollar amount that was not covered and why. Stated that no notes in system on how the analyst reached the decision and she could not determine based on the documents uploaded in the system. Opened an investigation and advised I should receive a reply in the mail. Requested an itemized statement that shows approved and not approved. 
XX/XX/XXXX Received correspondence from Optum which did not address or provide the information requested, itemized statement of what and why not covered. Only addressed that I reimburse the account. 
XX/XX/XXXX Reimbursed XXXX {$270.00}, posted XX/XX/XXXX XX/XX/XXXX Returned sunglasses to XXXX and {$230.00} refunded to XXXX. 
XX/XX/XXXX Contacted Optum regarding the refund from XXXX and whether I will be reimbursed. Agent communicated that XXXX refund {$270.00} posted on XX/XX/XXXX. Explained that the amount is not from XXXX but stems from my reimbursement. Next, the agent explained that he located the refund from XXXX but it was applied to XXXX expenses. Suggested I contact XXXX and have the correct it and apply to XXXX. After explaining it does not work that way, he agreed to open an investigation, XXXX opened case # XXXX, no update provided. Never received any communication. 
XX/XX/XXXX Placed subsequent calls to obtain factual information and what are my rights as far as what is due. No follow up from Optum. 
XX/XX/XXXX Followed up with Optum per refund from XXXX has not been posted to my FSA. Based on the claims, my reimbursement, and refund from XXXX, XXXX should reflect {$490.00} but instead only account for {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
USBANK received a check on XX/XX/2022. The amount was for XXXX. USBANK incorrectly processed as XXXX. 
On XX/XX/2022 I found the error in my checking account at XXXX XXXX XXXX  XXXX. They immediately contacted the Federal reserve reference number XXXX which proves the XXXX was put in the USBANK account. 

Today XX/XX/2022 USBANK has failed to reduce our mortgage by the XXXX. They are " investigating '' still. I have reached to escalation and they have failed to do anything. 
I reached out to the USBANK fraud department however they only investigate credit card or bank account fraud. NOT fraud they commit in the Mortgage department. 

The federal reserve, USBANK and XXXX XXXX XXXX XXXXXXXX have been unable to resolve the matter. USBANK is the entity that refuses to correct their error. 

Please provide next steps on resolving this issue. 

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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
I have now furnished Robinhood with pictures of my valid state ID, along with every other document that they requested to verify my identity. I received an email stating that my account will be closed, and is now in remediation and that I will be contacted with information about how and when I can withdraw my funds. 

I have repeatedly tried to get information about why my account was originally restricted and when I will have access to my direct deposited XXXX  payments via email, phone call, and chat, and have been given not one piece of information on why these restrictions were imposed or when I will be given access to my funds again. 

I am a veteran, and I have been completely cut off from my social security XXXX  payments with no reason, timeframe, or recourse whatsoever by Robinhood. I need access to this money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: DC

Complaint narrative:
On XX/XX/2022 I made a settlement payment to XXXX in the amount of {$710.00} to settle the outstanding balance for my XXXX XXXX  account. On XX/XX/2022, I uncovered information indicating XXXX may have billed me in error. Specifically, XXXX may have billed my account while and after a different account was active at the service address associated with my XXXX account. On the XXXX I contacted XXXX to resolve this issue but XXXX refused to furnish additional information that would confirm or deny whether I was billed in error. Also on XX/XX/XXXX, I initiated a dispute via XXXX XXXX regarding the {$710.00} payment made XX/XX/XXXX. I provided to XXXX XXXX the evidence that I may have been billed in error, and disputed the payment on the grounds that XXXX had not been able to resolve my concerns. On XX/XX/XXXX XXXX XXXX acknowledged receipt of the dispute and, in accordance with their dispute procedures, temporarily returned the {$710.00} payment while they awaited a response to the dispute from XXXX. As of this writing, XXXX has not responded to the dispute initiated via XXXX XXXX. On XX/XX/XXXX XXXX reported my account to the XXXX and XXXX credit bureaus as " in collections, '' and on XX/XX/XXXX XXXX engaged debt collector Convergent Outsourcing , Inc. to attempt to collect the purported debt. On XX/XX/XXXX I contacted XXXX in writing to ask they respond to my concerns and correct the derogatory credit bureau reports. XXXX replied XX/XX/XXXX, failing to address my concerns and refusing to provide any additional information. I believe I may have been billed in error and thus do not owe this debt, and have made repeated attempts to resolve my dispute with XXXX and their debt collector.

Company response to consumer: Closed with explanation