vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hi, I had a gap  credit card that was sold to barclay bank. Gap  transferred all of my info including my checking information. I automatically set up my payments with ll my credit cards. Once gap  sold to barclay, they stop the automatic payments unknown to me. I call and requested help with the late reporting. They decline to help me. They said the did have my checking info to pull the payment but the automatic stop once the account was transferred. I just need help. I have never been late with gap  and now the killed my score and cause XXXX to cut my credit once they saw the 60 days late. Please 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
An alleged debt of {$770.00} continues to be reported on my consumer report despite proof that I did not personally open this account. I have shared with XXXX XXXXXXXX XXXX XXXX XXXX XXXX an FTC affidavit, police report, XXXX proofs of residency dated from XX/XX/XXXX through XX/XX/XXXX, an identity theft packet from the local sheriffs department that included a second affidavit, and XXXX still refused to remove this alleged debt and claims I am still responsible for the debt. My ex-boyfriend used my social security number and compromised my personal information to open up an XXXX account without my permission. He attempted to make payments in good faith, but due to the worldwide pandemic, he was unable to continue making payments. Thus, causing a derogatory mark on my personal consumer report. This went unnoticed until I starting receiving debt collector letters. 

I did not discover these charges until late XXXX in which I contacted XXXX for billing statements to unravel and self-investigate the alleged charges. XXXX XXXX XXXX, and XXXX from the collections department, have both interrogated me with FALSE ASSUMPTIONS. They refuse to provide me with the original agreement that shows my signature or any other proof that I entered into an agreement with them. I have called XXXX to resolve this over the phone with negative pushback and insensitive remarks accusing me that I owe this alleged debt. I have mailed PROOF to them that I never opened this account. I have requested billing statements, along with the original agreement and full accounting statements, but they refuse to provide me with details about this account. 

In addition, on XX/XX/XXXX, I sent a complaint letter to all XXXX credit bureaus ( XXXX, XXXX, XXXX ) explaining that FCRA 605B requires consumer reporting agencies to BLOCK fraudulent information within 4 days. I have given no one CONSENT to report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i recently checked my credit report, which im trying to buy a house. And i noticed that i has several inquiries that i did not authorize. This is hurting my credit and stopping me from buying a house these are the inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX i also filed a compliant with the ftc

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 2023-05-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Shows multiple incorrect addresses and a Social Security Number ending in ( XXXX ) that IS NOT MINE and should not be on My Report. 
Also : My Report [ s ] should only show that I am XXXX XXXX ad that is my current status. 
Ive tried to contact them By phone & mail to no avail.

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 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
Ref # XXXX XXXX XXXX XXXX I used their app to transmit remittance on XX/XX/2023. On the app it showed that the amount of Rs XXXX PKR has been transferred into the recipients ( XXXX XXXX ) bank account. The tracking shows it the amount was received by the bank and the amount was further confirmed to be received in the recipient bank account. 

I talked to the recipient today who confirmed nothing was received on their end. Upon calling customer service today ( XX/XX/2023 ) at XXXX EST, I was first told I had used the wrong IBAN account number and that the XXXX XXXX is all caps letter and I input lower case letters which is a complete baloney and that is why it didn't go to the recipients bank account. I told them that their system auto corrected it to all caps and everyone knows that the XXXX code does not have any distinction between lower case and upper case letters and it is always upper case letters. 

I was told they will escalate it and get back in 3 days. I am looking at online reviews and BBB reviews that they hold on to customer 's money, don't transfer or return them and give everyone the run arounds for months. I needed to urgently send this money and I don't have it in my account now. 

They need to either make the money available in the recipient 's account ASAP or refund the entire amount back to me ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank Im absolutely a Veteran. US Bank was charging me charges that were not supposed to occur on a military account. 
Then I had a contractor commit bank fraud on my account and they would not help me this happened between XXXX XXXX of 2022 Earlier in the year I had an unauthorized with being over charged by a hotel and they would not help me. 

Instead they continued to charge me overdraft charges, meanwhile they were overlooking BANK Fraud by construction contractors and others who I have reported. 

In 20 years I have never seen so much unethical practices and illegal activities in my entire career. 

So now US Bank shut my accounts down, the victim of bank fraud and they told me that I dont meet the requirements of being a military or veteran member.

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 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid 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:
I purchased a vanilla visa gift card from XXXX to be presented to my mother in law on XXXX XXXX on the XXXX of XXXX. To my amazement, she tried to use the card on the XXXX the second day of purchase but the card has already been used to make a payment to XXXX XXXX. I went to XXXX to complain but they denied they were not liable to that. I called vanilla several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
On XXXX XXXX I sent out a letter to Transunion, XXXX, and XXXX. However it's been over 30 days and the credit bureaus failed to comply with fixing my credit report despite my attempts to contact them and its being past the 30 day window for resolution. This is preposterous this is really not making any sense. 

According to the law 15 U.S. Code 1681i- Procedure in this case of disputed accuracy. If the completeness or accuracy of any item of information contain in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ), Before the end of 30 - days period beginning on the date on which the agency receives the notice on the dispute from the consumer or reseller.

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 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
We had a forebearance. XXXX XXXX sold loan to Sls. I had XXXX in unapplied funds, was told we needed to update paperwork to sls to be able to put funds towards payment. 

Did paperwork. Called to make payment using unapplied funds. Money was put towards interest. Was told they would reverse it and get money back to unapplied funds. Never happened. 

Asked why loan was changed from 30 year to 40 year. No logic in explanation. 

Asked why the forebearance amount was not just added to endvof loan. Told I was in forebearance too long. 

Called for update and let them know our son took his life and they offered three additional months of forebearance, told it would not change being added to end of loan. 

Called constantly. Told I have to get caught up on all payments asap. 

Told money never went to interest. Shady company.

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 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: IN

Complaint narrative:
At the beginning of XXXX our mortgage payment with Arc Home LLC increased due to an increase in property taxes and homeowners insurance. We were not made aware of the increase, so we continued to pay the normal amount of our mortgage payment. When XXXX received our payment for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX since it wasn't the correct amount for the total mortgage payment they only applied it to the principal and issued our account late fees and stated that we did not pay our mortgage payments for those months. But again, we were never actually notified by this. We only found this out when my husband actually logged on to the website for an unknown reason and realized that they hadn't accepted our payments. We then made the updated payments and made extra payments and late fees. We thought we had completed this process until the XX/XX/XXXX. My husband called since the payment once again wasn't applied correctly and they were to reverse the late fees we had paid and put the extra money we had paid into a holding account to be put towards our XX/XX/XXXX payment. We went ahead to pay the XX/XX/XXXX payment to make sure it was correct, but again this money was only applied towards principal and done incorrectly. They are not doing what is asked and we are not going to keep calling each day. I don't want mine and my husbands credit ruined due to this issue and we shouldn't have to keep calling to get this straightened out. I feel like they are trying to take advantage of higher interest payments and have us pay interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with XXXX XXXX XXXX for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.

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 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo would change the order checks and withdrawals would appear to maximize NSF fees

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 2023-05-16 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: MI

Complaint narrative:
On or around XXXX XX/XX/2023 I filed CFPB complaint XXXX against Equifax for XXXX to fix errors within my credit file. The complaint included over XXXX pages of documentation that demonstrated a subscriber engaged in multiple violations of the FCRA, FDCPA, TILA/Regulation Z, and the ADA. Equifax responded with " XXXX XXXX WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE OR HAS RECENTLY PROVIDED YOU WITH THE RESULTS. Trade : XXXX XXXX THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. PAID AS AGREED ACCOUNTS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED TEN YEARS FROM THE REPORTED DATE. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HISTORICAL ACCOUNT INFORMATION NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX '' That is, Equifax claims one Tradeline for XXXX XXXX is being reported with no derogatory information, and another is not reporting. However, a credit report from XXXX XX/XX/2023 clearly shows that XXXX is continuing to report the XXXX XXXX account I disputed even though that account is not allegedly being reported. At this point Equifax knows or should know the information being persisted is invalid and/or inaccurate and should not be in my credit files because the information was generated based on race discrimination and XXXX discrimination. Thus, the persistence of this invalid and/or inaccurate information in the credit file Equifax holds on me, Equifax 's negilgence in removing the information, has caused me to be subjected to housing discrimination vis-a-vi disparate impact. Moreover, I am someone that holds or has held security clearances as a condition of employment. By not removing this information from my credit file Equifax now jeopardizes my employability within my profession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I was approved for the XXXX XXXX  I made my first payment on XX/XX/XXXX in the amount of {$100.00} and the payment was posted to my account the next day. I then made a payment on XX/XX/XXXX in the amount of {$100.00} from the same checking account as the first payment and it has yet to post to my account. I made another payment on XX/XX/XXXX in the amount of {$20.00} from the same checking account as the first XXXX payments and it was posted to my account on XX/XX/XXXX. I called XXXX  to inquire about why the first payment was posted the next day and the payment made on the XXXX was posted the next day but the payment made on XX/XX/XXXX has yet to post. I was told they put a hold on the second payment to verify funds even though they were all made from the same account. This is affecting my Available balance and it is hurting my XXXX XXXX. They are purposely keeping my account over the credit limit to hurt my credit score and have no valid reason for doing so. The account in which the payments come from has been verified because XXXX of the XXXX payments have been posted to my account. I have read reviews on this company and they are doing this to a lot of people and it is wrong and needs to stop. They are intentionally hurting people 's credit and it should not be allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: ME

Complaint narrative:
Here are the details of the fraudulent debt collection account based on my XXXX Credit Report. I have no knowledge of this account opened fraudulently using my identity. 
Account info : Account name ENHANCED RECOVERY Also known as ENHANCED RECOVERY CO L Account number XXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1600.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX The address recorded on this XXXX XXXX XXXX account is XXXX XXXX XXXX in XXXX, Maine. I have never lived at that address and have owned and resided at XXXX XXXX XXXX in XXXX, Maine since XXXX. My phone service is through XXXX and has been since XXXX. I have reported this identity theft to both XXXX and Enhanced Recovery today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I traded in the XXXX XXXX XXXX on XX/XX/2023. Ally Bank currently holds the title. The first portion of the payoff was mailed out overnight on XX/XX/XXXX. I was told by ally that the payoff check wasnt received and that was as of XX/XX/XXXX. Yet, the dealership told me Ally bank received the check but it wasnt enough. Ally Bank is purposely holding certified funds in order to collect extra interest off the loan. Thats fraudulent. It shouldnt take 2 weeks to cash a certified check and close out a loan.

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 2023-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had a purchase that was 18 months no interest equal payments. I paid a LARGE portion of the amount off in XXXX. I called after making the payment and asked for a reduction in the minimum payment amount. The lady I spoke with told me they could adjust and it would take up to three billing cycles. I called today and I spoke with three different people. NONE OF THEM spoke english. One lady could barely understand me because her dog was barking in the background. Finally I got to a supervisor who basically told me they would not adjust it. His name ( XXXX XXXX told me that its equal payments for 18 months. I said I realize that but at the rate of payment it would be paid off in 5 months leaving almost 10 months where there would be no payment because it would be paid off. I have indicated to them that the minimum payment as is ( which is still calculated over the original total and not adjusting for the large amount ) more than I can afford right now. I have asked for the payment to be adjusted. They have refused. I then asked for the promotion to be ended and I will pay the interest. They have refused. I just need the minimum payment lowered. Please help me.

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 2023-05-16 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-16 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief