vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
ONCE AGAIN, US Bank applied funds CLEARLY marked " PRINCIPAL ONLY '' to my loan interest. This is fraudulent. I have contacted them, and the CFPB on multiple occasions to rectify this issue. US Bank claims the issue is fixed, and it is not. They tell me I HAVE to use their online payment system to may a principal-only payment, which is fraudulent. They have rigged their online system to prevent easy principal-only payment, forcing me to send payment outside of their system. This is absolutely ridiculous. They should lose their license.

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 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have contacted Equifax on 5 separate occasions both via phone and mail to update my credit report. Currently, neither one of my XXXX XXXXXXXX cards are reporting to my Equifax. However, both are reporting to both XXXX And XXXX. I have sent Equifax multiple copies of all three reports so they can update the information accordingly. I've also contacted XXXX XXXX to make sure they are sending the correct info to Equifax. XXXX XXXX has confirmed that they are sending the information, its just Equifax is not reporting the information altogether. Equifax has not been thoroughly investigating disputes and instead of investigating they have refused to acknowledge my dispute or just sent me copies of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have contacted Equifax on 5 separate occasions both via phone and mail to update my credit report. Currently, neither one of my XXXX  XXXX cards are reporting to my Equifax. However, both are reporting to both XXXX   And XXXX. I have sent Equifax multiple copies of all three reports so they can update the information accordingly. I've also contacted XXXX XXXX to make sure they are sending the correct info to Equifax. XXXX XXXX has confirmed that they are sending the information, its just Equifax is not reporting the information altogether. Equifax has not been thoroughly investigating disputes and instead of investigating they have refused to acknowledge my dispute or just sent me copies of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
On XX/XX/XXXX, we purchased a RAF ( Right-Arm Facing ) ( XXXX ) order number is XXXX from online store https : //www.ashleyfurniture.com/sofa ( we have all the printed documents and evidence that we ordered this RAF sofa ). XX/XX/XXXX the sofa was delivered, I signed the paper that I got, but after unpacking, we saw that the sofa was LAF ( Left-Arm Facing ). Next day we went to Ashley store and they confirmed that we ordered the correct sofa and the error of the online store, but they could not help us since this is an online store and stationary stores do not apply to it, they also said that they can only be reached by phone. We tried to do this several times - but it is impossible. Then finally we contacted Ashley over live Chat and first they proved that we ordered the wrong sofa ( we have printed that chat ), but then they agreed that we ordered the correct one ( we have all the documents proving this ) and the error was on the web page said that the another couch will be delivered in a week and this one will be taken away. And since then, it has been impossible to get through to the Ashley and sign on, since then, the room has the wrong sofa and the packaging is kept in the pantry. In this regard, we opened a complaint to the Synchrony bank that issued the loan, and as it turned out later, this Synchrony bank and ashleyfurniture.com work together it is impossible to prove the complaint here as corruption, since they agree together. The Synchrony bank opened the complaint on XX/XX/2020 after 60 days there was no response. After they said to wait another 2 weeks, then they said that they themselves could not contact the seller. We called the Synchrony bank several times, then they said that they could not find complaints, then we still need to wait, in the end, not 60 days passed, but 120 days and they closed the complaint in favor of the seller. We do not agree since the Sofa was not replaced, and if they can not, we did not receive any full refund. Synchrony Bank close dispute for some unknown reason like can not judge the quality of merchandise receiver, while we did not get any exchange of our purchase and did not get full refund. We ordered correct sofa online, but get wrong one. ( we have all the documents proving this ). We can't get the truth for 4 months. 

The bank now demands to pay money for a purchase that we did not order! 
We do not agree with this! 
Please Help! 
My name is XXXX XXXX Credit card number XXXX Ashley Synchrony bank

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 2020-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I opened an account online with Fifth Third bank with an offer code for a bonus of {$250.00} for maintaining a checking account with a minimum of {$250.00} for 60 days. 
On XX/XX/XXXX after confirming on phone that my promotion was valid ( it did not show up listed on my account at the time ) I made a transfer of {$250.00} into my Fifth Third Bank ( no fees were accured for making that online transfer ) On XX/XX/XXXX they credited me my {$250.00} minus {$60.00} for tax withheld. 
There is where the nightmare started, as for the next months I was told various reasons why until contacting XXXX XXXX. I was finally told it was because I hadn't sent in a tax paper. They had ALL information, address, social security number etc.prior to this date. 
I was then told just send it in and they can give me my {$60.00} even though I was never contacted that they were missing anything for the 3 months I had the account. Plus I had called to make sure everything was signed correctly on XX/XX/XXXX at XXXX XXXX and was told it was. 
It is now XX/XX/XXXX and after sending on the paper I have still not received my {$60.00}. 
I then had enough and went to close my account, I wrote online and called to find out what I needed to do. I was told to have a {$0.00} balance and to wait until it had cleared. On XX/XX/XXXX I put in a transfer of my balance ( {$440.00} ) to XXXX. XXXX. There was NO mention of a {$3.00} fee online and I will enclose a picture of my transfer details sent to my email. 
On XX/XX/XXXX I see my - {$3.00} for my balance! I call the XXXX number and speak to a rep. who says she is sorry i was mischarged and she is putting a reversal charge of {$3.00}. She tells me to wait 2 to 3 business days and then I will have a {$0.00} balance snd can close my account. 
On XX/XX/XXXX nothing had changed in my account. I call the same number and they tell me they have NO exchange of the telephone call on the XXXX and even if I had called that person lied and they cant reverse the fee! I then decide to write in what had happened. I also called XXXX XXXX. I got no response from her so I am writing in. 
I would also like to add that there is missing account info as my orginal payment and opening of account as I will send in those pics too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am filing this complaint because I was unable to resolve this issue with the bank ( Wells Fargo ). I tried to reach the customer service and the person who identified himself as XXXX XXXX started to talk very fast. I told him that I am an elderly woman with many health problems and I asked him politely if he could speak slowly. He simply hang up on me. I tried to reach Wells Fargo customer service again on that day but the automatic service did not let me do so. It was a terrible experience. The reason for my call was that I needed help to reverse my monthly fees for XXXX - XX/XX/2020. I am an elderly person and at the highest risk for contacting COVID-19 and I cant make 10 debit transactions to waive those fees. Please check CDC guidelines for more information regarding elderly and COVID-19. I am sorry that Wells Fargo customer service is so difficult.

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 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion displays innacurrate employer ( XXXX XXXX ) on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
Over a year ago I took out a payday loan from Speedy Cash, which was the start of an onslaught of predatory lending from several other payday loan lenders. I was in a Financial crisis because at the time my girlfriend was battling XXXX XXXX, and she has XXXX children that she was unable to take care if as well as herself. I was the only one that could so my work hours were drastically reduced and I was left with only the choice of payday loans that Left my finances paralyzed and in a state of paralysis. It didnt matter if I paid the balance down every paycheck because Speedy Cash would charge a finance fee that was the same amount as my bi-weekly payment. I was drowning and I could find no relief. Eventually I had to change banks because my bank had become so overdrawn I couldnt even afford to drive to work an hour away. I paid what I borrowed in excess and pleaded with Speedy Cash to accept that as payment in full but suffice to say my pleas were unheard and sent to collection. I have spoken with the debt collector Ad Astra they call me consistently and threaten me with police charges but I am no better financially than I was a year ago, I was furloughed from work since XXXX and XXXX am only now being allowed back to work. Luckily my girlfriend has made a full recovery but had to undergo major XXXX which will leave her XXXX for the remainder of her life. It has been a rough road and it is criminal that Lending has become so savage and predatory they are the ones that should be investigated but it seems that when one goes away another appears with the same deception and last resort deal with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I am writing on behalf of Wells Fargo noncompliance with SBA forgivable loan programs which were submitted prior to the deadline. After months of Wells Fargo closing accounts without consent and not following up on client services related to business and personal al accounts- this is a significant issue with the banks integrity and customer service affecting consumers. After many attempts at correcting this issue with the banks in person and through phone correspondence, they have been noncompliant and deflect responsibility to loyal consumers. I mention this as Wells Fargo has been under scrutiny for their business practices for over 5 years and it seems that this is a larger systemic issue with their business ethics which go against the interests of their consumers and government mandate. 

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 2020-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XXXX, 2020, I refinanced my mortgage with NewRez. Note that I already had my existing mortgage with NewRez and had hoped this would make the process simpler than switching mortgage companies. Unfortunately, during the refinancing process, NewRez made numerous intentional errors on all of the paperwork. In general, they kept trying to add services and fees onto my mortgage that I did not want to include ( e.g. homeowners insurance, homeowners association fees ) - I informed NewRez that these fees are not part of my current mortgage and that I do not want them to be included in my mortgage because I pay them myself. The only items that were to be included in the new mortgage were the principal payment, the interest, and an escrow account for my property taxes. I informed NewRez numerous times ( verbally and in writing ) that I did not want these items to be included, and I refused to sign the refinancing paperwork on numerous occasions because they kept trying to sneak items into the mortgage. Finally, NewRez seemed to have corrected the paperwork and I agreed to sign the final closing papers. However, since the loan closed, I've learned that NewRez has not abided by the terms of the signed mortgage papers. Unfortunately, NewRez set up my account incorrectly based on how they wanted my loan to be originally ( including adding these services that I did not want ) and never contacted the county where I pay my property taxes that I have an impound account. NewRez claims they have fixed the errors but when I log onto my account on the NewRez web site, I do not see that any corrections have been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
With both Equifax and XXXX XXXX XXXX am not able to get my credit report I even paid Equifax and they charge my card twice and I still have not gotten access to my account where I could see my credit report when I called the XXXX numbers for both Equifax and XXXX XXXX they are saying that my ZIP Code and my social does not match but on the three credit reporting agencies they do show my report This is crazy Im trying to get out of debt and and I have told them I can not get through the telephone line for the pre-screening being incorrect with my social security number I have made a police report because some furniture was charged in my name but I cant even speak to a live agent or a foul a dispute because I can not get past The phone screening and that is messing up my credit And its not fair why should I have to Have bad credit because theyre screening will not allow me as a consumer as well as a person who they have all of my valuable information but will not give me access to it this is how I get a home this is how I get vehicles but I cant see what Im doing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
This collection agency has tried to collect a debt from me in unfair ways, which I've complained about previously. This medical debt was a result of a mistake by the provider and has been written-off by the provider. The provider as well as this collection agency have notified me in writing that my account is closed and I do not owe them any debt. 
I have just received a new email from this collection agency asking me for the full amount, again! This is a never ending nightmare. This is absolute harassment. Once again, the FDCPA states that debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including the amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
With both XXXX  and Trans Union I am not able to get my credit report I even paid XXXX  and they charge my card twice and I still have not gotten access to my account where I could see my credit report when I called the XXXX numbers for both XXXX  and Trans Union they are saying that my ZIP Code and my social does not match but on the three credit reporting agencies they do show my report This is crazy Im trying to get out of debt and and I have told them I can not get through the telephone line for the pre-screening being incorrect with my social security number I have made a police report because some furniture was charged in my name but I cant even speak to a live agent or a foul a dispute because I can not get past The phone screening and that is messing up my credit And its not fair why should I have to Have bad credit because theyre screening will not allow me as a consumer as well as a person who they have all of my valuable information but will not give me access to it this is how I get a home this is how I get vehicles but I cant see what Im doing

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 2020-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: VA

Complaint narrative:
This collection agency has tried to collect a debt from me in unfair ways, which I've complained about previously. This medical debt was a result of a mistake by the provider and has been written-off by the provider. The provider as well as this collection agency have notified me in writing that my account is closed and I do not owe them any debt. 
I have just received a new email from this collection agency asking me for the full amount, again! This is a never ending nightmare. This is absolute harassment. Once again, the FDCPA states that debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
On XX/XX/2020 you responded to : 1 ) my inquiry dated XX/XX/2020 stating i asked one question 2 ) my inquiry dated XX/XX/2020 stating i asked XXXX questions 3 ) my inquiry dated XX/XX/2020 stating i asked two questions 4 ) 3 ) my inquiry dated XX/XX/2020 stating i asked two questions Did you receive these inquiries through CFPB? i have no record of these inquiries please send copies of my inquiries, and copies of the 5 day letter you send me upon receipt of these inquiries according to 1024.36 ( c )

Company response to consumer: Closed with explanation