vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I have letters that I have sent to this company. It has been a year and I Have received nothing in return about removals. 

These letter were sent out XX/XX/XXXX, XXXX of 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank advised that my pension deposit that comes on the 1st would be routed to my account, specifically stating there would be no problem. As of today I was told I can not have access to my pension and it would take days. Further the XXXX, XXXX was snide and dismissive blaming the issue on IMRF ad federal reserve. Because of US Bank providing inaccurate information I have been caused hardship. The manager also stated I am recording this conversation in the middle rather than from the start and should include all the conversation. I should not have to suffer hardship because US bank provided inaccurate information. The manager, who was literally the worst I've come across in a XXXX fashion stated I'll retrain the employee that did nothing to rectify and address my situation the result of improper nformation provided to me as a customer. I hope the bank listens and retrains XXXX and others are do not go without their pension.

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 — Funds not handled or disbursed as instructed
Company: Glacier Bancorp Inc.
State: MT

Complaint narrative:
I receive child support from Montana XXXX XXXX XXXX which can not be levied from my bank account. A judgement was entered for a past medical bill even though I am in the process of filing for XXXX XXXX XXXX  and have retained an attorney, have provided the attorney 's name and contact information and completed the credit counseling my account was still levied and my child support was still taken twice. My bank did not audit my funds to to see if the funds were eligible for garnishment even though I informed them the first time that they were not and did this immediately. They must hold the funds for five days and they refused to correct it either time. they took every cent in my account including all child support and medical reimbursement. They had all documentation because they received the direct deposit from XXXX XXXX XXXX and they have not responded to requests to correct this and have said they have no intention to correct it. I still have not been returned the child support which I rely on to support my daughter. This is through Valley bank of Helena. I talked to XXXX XXXX who is the Vice President and the Fraud department and all of them have refused to correct it and have cleared my bank account out completely without any recourse for me. I have had to miss close to 40 hours of work in an attempt to correct this and my bank account remains overdrawn, my daughter was pulled out of childcare without notice and I could not even buy groceries. These funds are protected by law and they took them without the right to do so on two separate occasions which have caused me significant hardship and caused me to even miss a house payment.

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: Selene Holdings LLC
State: TX

Complaint narrative:
I filed complain XXXX, back in XX/XX/XXXX. I have tried to get the remaining XXXX XXXX refunded and the company is playing games. They answer and transfer me to other departments without resolving my issue. 
I asked that they do an XXXX XXXX because I am 100 % XXXX Veteran, since XXXX. My tax responsibility is zero. The company is still withholding my property tax XXXX balance and my bill is not reflecting the correct amount- still being charged property Taxes. 

I just need an intelligent human being on their end to do their job. I called almost three weeks ago to have this resolved. I have been on the phone ( XXXX ) for over 20 minutes and they keep transferring to other departments. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I had issues regaining access to my account after Barclays Bank took over managing the XXXX XXXX Credit Card. On several occasions, I requested a new card to be sent as I had not received the new card, and I was unable to access my online account without it. On the final occasion, I requested to pay my account off entirely and provided payment information. Unfortunately, the agent still left a small balance on the account, which I was unaware of until the account had been put into collections. I did not receive any type of notice regarding a past due balance, nor did receive notice of an attempt to collect a debt. 

Though they were polite and apologetic, I did not find the customer service team to be helpful in resolving the issue quickly, as I was informed that the only way of filing a dispute would be by mail or fax, which is clearly false.

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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
My brother and I opened a XXXX Checking account at Ally Bank due to the death of my mother. Account opening was smooth. Large amounts were deposited into the account due to the closure of my mothers estate, 100K+, and then wires were sent out of the account to my brother and myself. Wires sent to the actual account owners of the account. Well, Ally decided they are going to lock the account, and requested all kinds of documentation that I have complied with. Each and every time I have called I have been told that it is with an investigator, yet I have no option to speak to the investigator. 5 days now I have been unable to access the funds in our trust account. We are attempting to close on a house and have large sums of money moving ( due to the unique situation of it being a trust account ). 

I am also XXXX XXXX military and Ally has not allowed me online access or the ability to close the account. I am sure these are definitive XXXX violations to lock an XXXX XXXX members money with no way of accessing it, and no way of transferring it out. My last conversation with them was that I can not access the funds until I speak to an investigator. No option to speak to the investigator.

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I placed an alert on my credit reports last XXXX. Currently when contacting Experian they will not transfer me to live person to resolve matter. The automated system says there is no alert but. My report is not pulling for lenders to view when they try for it. Was able to get in contact with XXXX and XXXX and they stated they were able to remove it. Recently I had an account closed from XXXX XXXX due to Experian reporting the account as fraudulent. I have sent a letter to Experian, Multiple emails, numerous phone calls that are never answered. This inconvenience has caused me financial and mental distress. I need help resolving this matter with Experian. They are incapable as a company to handle their own mistakes.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
My wife and I have been trying to obtain a payoff letter from US Bank for our XXXX  with a different bank and US Bank will not send us the letter and we have been trying to get this letter for over one week. We need help to make them send the letter.

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 — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
My Mortgage company, Selene Finance LP, says they issued an Escrow Refund in the amount of ~ {$10000.00} in XX/XX/2022. However, I only received {$5800.00}. 

Additionally, they are withholding {$2800.00}, as of XX/XX/2022. I am owed almost {$7000.00}. 

The agent on the phone told me it would be another two weeks for this to be resolved and that I should make the full payment this month and then ask for another refund next month when the correct payment amount is reflected on my next statement, due XX/XX/2022. This is ridiculous, asking for money upfront that they will then turn around and refund me. This is very suspicious activity, fraudulent maybe? Such Deceptive tactics by this company to transfer you to multiple departments with no resolution and charging you extra knowing your payment should be lower and holding customers money to make interest off of customers ' earned money. 

XXXX XXXX

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: 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: NV

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
My mortgage was transferred to the new company they dont care about customers its like a pre read statement no matter who you talk to and they all say the very same thing it takes for ever to talk to someone and get results cause they dont care When I was transferred my insurance was due on my condo I was so nervous I paid {$200.00} so it would be active now my taxes are due they received the bill and Im still waiting for them to pay them They take way more money each month for escrow which my taxes and insurance are about {$900.00} a year for both right now there is enough to pay both I hate that they treat me like I dont know what Im talking about Please help with this stupid company I would love to transfer but I dont have the funds to do so

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following alleged collection account, XXXX Funding, is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$600.00}. This account is reporting inaccurately. This is a violation of the FCRA and is in violation of the requisite XXXX Complaint reporting standards. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand this derogatory item to be DELETED from my report immediately. 
15 U.S.C 1681 Section 602 ( a ) : States I have the right to privacy 15 U.S.C 1681b Section 604 ( a ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and has used my credit report without permissible purpose.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The short version is that I can not get anyone to pick up the phone in the fraud department for XXXX XXXX XXXX owned by Synchrony Bank ). I have been on hold for for hours - last night and today, and can not get a person on the phone. The number is ( XXXX ) XXXX. Two fraudulent transactions from a country I have never visited have appeared on the account, and I have no way to resolve the problem. ( I have tried online chat/ the login portal, but only the fraud department can do anything ). 

The long version : On XX/XX/XXXX at approximately XXXX, I received a notification that two charges had been made on my XXXX XXXX XXXX owned by Synchrony Bank XXXX My card has been frozen for a long time, so I knew these were not placed by me. 

I immediately attempted phone contact while logging in. I was told that no one can address the issue via the website ; only the fraud department. I was on hold over an hour last night before giving up and hanging up the phone. 

Today I am CURRENTLY on hold and have been on hold for one hour and 10 minutes.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Bank is claiming that I have to pay a late fee of which they claim they notified me of a late payment before they imposed the late fee. They say that the late fee is based upon the fact that since I had made additional purchases on my present account balance, my due payment amount had increased. The problem with this is that I was not notified about the increase by email they claim that they sent. They told me that my payment amount had increased as of XX/XX/2022, but I didn't receive notice of that either. In addition, they also told me that in addition to the late fee, that because I did not make my payment within the pay cycle of the month of XXXX, even though I made the XXXX payment 23 days before it's due date of XXXX XXXX, they are charging me a late fee of {$40.00} of which I do not feel is fair based upon their assumption that I had already been notified. The only late payment email notice I was able to find in my mailbox based upon their claims that they had sent these notices beginning back in XXXX was the one they blindsided me with in an XX/XX/XXXX email. Since I was unable to resolve the problem with Capital One, I would like to see if perhaps we can get it resolved through mediation from your organization. I feel that because they refused to accept my word that I had not received the late payment notices sent to me beginning in XXXX, and into XXXX, I feel they are taking the position that I am a liar. I don't want to take the same position that they are the same for claiming they sent the alleged emails, even though they could be lying. I think they need to be investigated for unfair business practices that include the late fee traps they set up for their customers to make themselves ( Capital One Bank ) more money. 

Address : Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX

Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I told the credit reporting agency Equifax XXXX that XXXX XXXX was sued by the state of New Jersey attorney office It was a class action lawsuit that affect all car buyers who were sold a subprime loan. 
I was sold a subprime loan and as a result. The state sued them and found them guilty of selling high-interest-rate loans to people of color or individuals with less that perfect credit scores. 
I file a complaint with the Attorney General and they are investigating the matter. This is part of ligation and they are not allowed to continue to report inaccurate information. The debt is forgiven and they are ignoring attempts for justifications According Fair debt credit report Act this is not allowed

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I told the credit reporting agency XXXX XXXX that XXXX XXXX was sued by the state of New Jersey attorney office It was a class action lawsuit that affect all car buyers who were sold a subprime loan. 
I was sold a subprime loan and as a result. The state sued them and found them guilty of selling high-interest-rate loans to XXXX XXXX XXXX or individuals with less that perfect credit scores. 
I file a complaint with the Attorney General and they are investigating the matter. This is part of ligation and they are not allowed to continue to report inaccurate information. The debt is forgiven and they are ignoring attempts for justifications According Fair debt credit report Act this is not allowed

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was alerted to an issue with my credit report via the Experian App. When I investigated the issue, a fraudulent account was opened with XXXX XXXX and never paid, so the debt collection was outsourced to XXXX XXXX XXXX XXXX A collections account was added to my credit report and lowered my credit rating. I contacted XXXX XXXX XXXX and they gave me information regarding someone in XXXX, CA using my social security number. The address is not mine and I do not know anyone there. The addresses on my credit reports are legitimate and do not match the XXXX, CA address. I have placed credit alerts and disputed the account with the credit bureaus. The collections account is in the amount of {$1400.00}, placed on my Experian Account XX/XX/2022.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/XXXX I issued a wire from my Wise account to my local business account. The wire was rejected by my local bank on XX/XX/XXXX ( due to incomplete information ) and returned to the sender ( Wise ). I reached out to Wise. Wise issued a recall on the money on XX/XX/XXXX and told me it would be between 1 week and 1 month for the money to find it's way back in my account. It is now XX/XX/XXXX and the money has not yet been returned and I'm not sure they're doing anything to get it back. The amount is {$6500.00} USD.

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: 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: NV

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief