vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I've been trying to call through to make a payment for over a month now. Apparently there is an outrage with their phone systems that's been ongoing for weeks. I don't have an online account set up for payments and I can not create one because I don't have my account number. I've been trying to call every number I can possibly find to obtain that info I need. Their hold times are ridiculous just to get hung up on after 30+ minutes. I'm reading other complaints of people who can not get into their online payment portals. There's other complaints of fraudulent charges, late fees and negative credit reporting. I have great credit and want to keep it that way. Their lack of communication with their customers is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I am contacting you again as a taxpayer you are pretty XXXX worthless to us if you just let the bank give us the same XXXX after 45 days which is what you did ... .the flagstar is stealing from me and this scam is right in front of you and my XXXX government protection must be in bed with flagstag because you clowns are like yeah ok flagstar XXXX you ... merica ... the government protection is just flagstar ... ..XXXX  tell me something and i am suing you 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 2022-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On or around XX/XX/XXXX I notified money moneylion that my husband and I were victims of identity theft. Our bank account had been compromised. We had to freeze our account, open up a new one and report it to the authorities and credit agencies. We are still dealing with the fallout. I explained to them that we would have to make payments to them in another way. Moneylion requires you to use a company called XXXX to link your bank account. We have been advised to limit who we share account info with going forward. At first, I could not get any response from them so I had to notify the XXXX XXXX XXXX. I received a response after that and was given an address to mail our payments to, which I have been doing. On XX/XX/XXXX I sent a certified letter to their XXXX XXXX  XXXX XXXX Utah offices letting them know that I was revoking my authorization for them to take any further payments from our bank accounts going forward for any Money Lion products. I also emailed them. 

Moneylion works with XXXX who shares updated Debit card numbers with the banks and companies who use XXXX. Moneylion received my certified letter on XX/XX/XXXX yet continues to try and charge my new debit card despite my telling them to stop. I never gave them my new number, XXXX did. I have locked my debit card because of this and put a stop payment through our bank for all Moneylion products. They attempted again today today, XX/XX/XXXX, to charge my debit card for a loan payment they received via money order on XX/XX/XXXX. Our next payments are due on XX/XX/XXXX which we will send via money order like we have the others. It has been 2 weeks and they have yet to post those payments to my account. I have inquired multiple times and I am told it will happen soon but it doesn't. I have since found out that Money Lion has a history of this type of behavior. There are many complaints online with similar stories as mine. I feel further victimized by moneylion during a very difficult time. I have saved every email and conversation I have had with money lion regarding our accounts. We have been sending our payments and kept in contact with them, yet they ignore our requests. Dealing with identity theft is a miserable, stress inducing, nightmare, and knowing that companies can get your new debit card information without your permission and use it is really unsettling. I'm already on alert and this just makes it worse.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
In response to my debt validation letter dated XX/XX/XXXX to Credit Corp Solutions INC they are not complying with the law 12 CFR Part 1006.42 which requires them to send required disclosures with their response. Their only response to me was a " Response to Dispute '' letter dated XX/XX/XXXX ( ATTACHED ) In my Debt Validation letter dated XX/XX/XXXX ( ATTACHED # 1 ) I requested for Credit Corp Solutions LLC to abide by the law and send the required disclosures.

I'm asking Credit Corp Solutions INC to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
On my XXXX  credit report, XXXX Texas XXXX XXXX XXXX Texas, which I have no knowledge of, reported an amount with the Credit Reporting Agency XXXX that I owe XXXXthe name listed as the original creditor as XXXX  Texas XXXX XXXX and Elevate Recoveries as the debt collector. I have no contract, agreement, spoken, nor spoken verbal agreement with this entity listed as Elevate Recoveries LLC. I spoke with XXXX from XXXX Fraudulent department advising I have no account or business with this entity. He, XXXX, submitted the dispute as I advised this is fraudulent and that this business is closed. I researched the business and it is not in operation. Elevate Recoveries LLC has been sued constantly and lost cases for fraudulently creating false claims of debts owed. Per the XXXX website, each case they lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I went into the XXXX branch to make a deposit. The check I was depositing is a state government issued tax refund check. I specifically asked the teller was there any chance a hold May be able placed on the check, because I intended to use the funds to pay off a federal tax bill I had. She took a few moment to review my account and then confirmed that the check would not be placed on hold and I could expect for the funds to be available the next day. The receipt I was provided shows that the funds would cover checks for the XX/XX/XXXX. I proceeded to go online to schedule a payment for my federal taxes to be withdrawn. Six hours later I received an email stating they suspected the check would not be honored and the deposit was being placed on hold XXXX. I immediately contacted Bank of America and explained that I was told that the funds would be available the next day. I was told there was nothing they could do for me. I went back into the branch where the payment was made and requested to file a formal complaint about my experience, as I felt the information I was giving was deceptive. I was told that I would need to contact the regional manger to file a compliant. I had to call back into the XXXX number for a complaint to be filed. I am now left to figure out how to cover the payment I made so that it is not returned and will not have access to my funds for almost two weeks. When I asked if a call could be made to the issuing bank to verify the check was legitimate, I was told that was outside of their policy and I would just need to wait until they released the hold.

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 2022-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Called to liquidate a CD on XX/XX/XXXX. Was told that funds would not be available for 3 to 4 days. 

Problem # 1 -- - they don't pay me interest for those days they are keeping my funds Received funds on XX/XX/XXXX- they placed it in a high yield savings account. When I attempted to transfer funds to a linked external account, I was informed that the amount exceeded transaction limits. I called customer service ( I swear there was a chicken crowing in the background ) and was informed that there was a {$25000.00} limit per transfer. Looking through their account agreement, there is only a limit of 6 transfers, and no amount limit. Rather than go through the hassle of arguing with someone with no authority, I just wanted to close the account. I was informed that the closure would take up to 4 business days and any funds transferred would take an additional 2 business days.

Problem # 2 -- - they are keeping my funds for 6 business days held in limbo without interest.

From CD liquidation to funds received at my external account, Synchrony Bank is keeping my funds, interest free, for 9 business days, not to mention the inconvenience or any other costly problems this has caused.

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 2022-07-28 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: OH

Complaint narrative:
I signed up for XXXX XXXX XXXXl on XXXX after receiving a letter in the mail for a debt consolidation. I was told they could consolidate the debt over {$50000.00}. I signed up for a 2 year program. I completed the program in 2 years paid over {$55000.00} to XXXX XXXX & my creditors, but the accounts were suppose to be a paid for delete and all of the accounts except 2 accounts are still on my credit report. I'll upload the paperwork that I have from XXXX XXXX XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: OH

Complaint narrative:
I signed up for XXXX XXXX XXXX on XXXX after receiving a letter in the mail for a debt consolidation. I was told they could consolidate the debt over {$50000.00}. I signed up for a 2 year program. I completed the program in 2 years paid over {$55000.00} to XXXX XXXX & my creditors, but the accounts were suppose to be a paid for delete and all of the accounts except 2 accounts are still on my credit report. I'll upload the paperwork that I have from XXXX XXXX XXXX. 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 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Merchants Acceptance Corp
State: CA

Complaint narrative:
I had a account with XXXX that went into default in XX/XX/XXXX. I had decided to return the vacuum cleaner to the company and placed it on my front porch for pickup. The XXXX rep stated they never received the vacuum. The account was charged off and sold to the collection agency Merchant acceptance. My contact with Merchant acceptance was minimum since I did indeed leave the vacuum on my porch for pickup. Today XX/XX/XXXX my mortgage lender informed me that there is a civil case against me from Merchant acceptance, however, I was never served nor informed of any court proceedings and or the intent to sue. I verified the case online at the XXXX county court online. I called Merchant acceptance today XX/XX/XXXX and they said I was indeed served in XX/XX/XXXX. I informed them that I was never served and had absolutely no knowledge of the legal proceedings. The Merchant acceptance representative said the party that supposedly served me gave them a description of me. The Merchant acceptance representative said I was XXXX, I was XXXX ft XXXX, XXXX pounds, with XXXX hair, XXXX eyes, and am XXXX. However, on XX/XX/XXXX I had XXXX hair with a small amount of XXXX at the back of my head, I was XXXX pounds, and I am XXXX ft XXXX. He asked if maybe 1 one of my daughters answered the door and accepted the court papers but my children were XXXX and XXXX XXXX XXXX. I asked the merchant acceptance representative if he could do anything about this since its illegal and he said there is nothing that can be done because they paid someone to serve me and the person signed the court document under penalty of perjury but that does not change the fact that I was never served nor did I have any knowledge of the court proceedings. I would like this account to be removed from my credit report and the civil case dismissed since the notice of service was a forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Hello, I opened a credit card from chase ( XXXX CREDIT CARD ) One of the perks of the credit card is to obtain ( XXXX-miles ) with everyday purchases. They had an offer of spending {$5000.00} in 3 months you get XXXX miles. After a few months, my points never arrived in my account. After several calls to obtain my miles they refuse to validate my offer and benefits. Chase open an XXXX XXXX card number on my behalf. That's the only way you can have access to the miles. I did not get any instructions or access to my account and miles. I called XXXX more times than I could count to see if I could get access to it. The number doesn't exist and Chase tells me it does. Back and forward the situation goes nowhere. I requested a voucher for my points since they cant do anything to get my offer or benefits. And the answer was no. I dont have an email or phone number to contact the department I can reach to help with my inquiry. Customer service did not help at all. They want me to call XXXX and do all the work. On top of all when you are in your chase account the part of redeeming your rewards takes you nowhere. Without the XXXX XXXX  number, you cant do anything. I have proof of EVERYTHING. Again, they dont want to validate my offer or benefits after several calls. With zero options for getting my miles. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The account for SYNCB/CARE CREDIT is incorrect on my credit report. The last activity date is reporting different for all three bureaus. This is information is inaccurate and it need to be investigated.

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 2022-07-28 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: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I had {$59000.00} of fraudulent charges charged to my Wells Fargo Visa debit card and I disputed the transactions. Wells Fargo just let me know they denied the dispute. I will not let this go because I did not make these transactions and its my life savings.

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 2022-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Santander Consumer is a debt collections Agencie that is illegally and inaccurately Reporting on my credit report i have disputed this account 2x with the reporting agencies and they have not investigated this matter properly and effetely this collection Agencie is reporting on my credit report without proper protocol I have not been notified of any debt with this company I do not have any contract with this company the account is closed and charged off this account has already had a tax break on the account with the original creditor this account is pass the statute of limitation to be appearing on my credit report I have taken legal action in this matter this account is in violation code 15 u.s.c. 1681 and Violation code 15 U.S.C 1692 this account has been reporting that it has a pass due amount and also reporting as a revolving account meaning the account is still active and that is false and misrepresentation I also have no validation of this debt with this company I am requesting this account be removed from my account immediately or me and my attorney with move forward in legal action for punitive Damages and Negligent actions

Company response to consumer: Closed with explanation