vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
Back in XXXX, I called AidVantage twice and emailed them once to get information on how to make weekly or biweekly payments on my student loans instead of the standard monthly payments. Both people I spoke to at AidVantage said it was possible and that they would email me instructions on how to do it. I pushed for them to give me instructions over the phone but neither would provide them verbally. I never received a response either time. The response from my email request was non-sensical and did not answer my question ( see attachment ). The allocation is not what I want to change, but rather the frequency of the payments scheduled. There is no answers in their FAQ page or their XXXX page. When typed into the Help section on the website, it does not give me any information on changing the frequency of payments, only information on overpayments. I simply want to break my monthly payment into weekly payments to save on interest since interest accrues daily with student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery in Ohio. I lived in Ohio over 13 years ago. I had a debt I incurred in Michigan. Taking care of my parents it was costly. Portfolio Recovery sued me in Ohio which had no idea about. 2019 then last year sent court order to my county in Michigan to sell my house then they garnished my checks. I got a lawyer to pay them back XXXX a month. 

Also receiving other letters from other collection companies saying they are the attorney general in Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I initiated an ACH transfer using Synchrony bank 's web site to move {$80000.00} from my XXXX XXXX XXXX XXXX XXXX XXXX business savings account. 

On XX/XX/XXXX, Synchrony rejected the transfer. The email I received from Synchrony said to call XXXX XXXX XXXX to make sure I get my funds back. 

On XX/XX/XXXX, I called Synchrony to find out why it was rejected. I was told she could see the transfer had failed and that it was because my XXXX account is a business account. She said that the funds would be back in 3-5 days but I should to call XXXX to verify. 

On XX/XX/XXXX, I called XXXX  and was told she could also see the failed transfer status and the funds should be back in my account that day or the next day. 

On XX/XX/XXXX, with still no funds, I called Synchrony again. I was told that even though the transfer was denied on XX/XX/XXXX, they didnt final fail it until XX/XX/XXXX. I was told to wait another 2-3 days for the funds to come back. 

On XX/XX/XXXX, with still no funds, I called Synchrony again. They now claim they never took the funds and that they are still in the ACH. However, the funds were somehow held by them until the final fail on XX/XX/XXXX so XXXX insists that Synchrony must have taken possession of them at some point. They also informed me that ACH is not a holding account so my funds can not be sitting in the ACH as Synchrony states. Synchrony also claims that XXXX needs to " reclaim '' the funds from the ACH. XXXX says theres no way for them to do that. 

Since then, I have spent hours on the phone with both banks and hours in a XXXX branch office. XXXX continues to try to help us with this, but there's nothing they can really do. Meanwhile Synchrony denies any involvement and blames XXXX entirely, even though Synchrony initiated the transfer. At this point, no one can fix this and weve lost {$80000.00}.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OR

Complaint narrative:
PNC Bank is refusing to let me have access to my Social Security funds. They have, with no notice to me of any kind, XXXX my debit card, and my only avenue of communication is there 'Customer Service ' phone number. Myself and my partner spent over 8 hours on hold over 2 days. The times that they picked up, the call the call was dropped, they hung up on us more than once, and they thing they could tell me was that I need to go the nearest branch, which is in another state, at least XXXX miles away. When I asked to talk to their legal department, inasmuchas they are violating numerous Federal Laws, they refused to give me contact information. I cant pay my over-due rent, utilities or buy food. This has so exacerbated my XXXX that I had cancel a XXXX scheduled for this morning. 

This bank, which i shall rid myself of, has history of maleficence as regards my account. Obviously I need funds dispersed to me, but I njeed to know why are they singling me out?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates , LLC has reported duplicate accounts for XXXX XXXXXXXX XXXX with account numbers XXXX and XXXX and I have settled this debt and XXXX is showing the account is current for every month except XXXX which is incorrect and I have letters to prove the account is charged off but the letters have account # XXXX and it is affecting me with my process to purchase my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Hello there, My husband and I went to XXXX XXXX last Wednesday XXXX, we were trying to be pre-approved for a home mortgage. But, unknown to us, there was a car loan showing a charge-off from XXXX, not XXXX or XXXX...? 
So, my question is what can be done about this, I did call Yesterday XXXX, XXXX which was changed from SANTANDER at XXXX, their operator told me that the vehicle had been sold and that they could keep it on my credit for XXXX years, what kind of craziness is this? 
We let them come and pickup the vehicle the year of XXXX, that has been at least 7 years, we could no longer afford this vehicle any more. Is there something that can be done about XXXX going along with this craziness but the other credit bureau 's are not..? But, the Name SANTANDER is what is being shown on our Credit Report, even through they have sold out to another company .... 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act North Carolina State Employees Credit Union has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 100 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
Between XXXX and XXXX, this company contacted me stated that they see me trying to delete and remove the wrong information on my credit report. The guy told me that he can help me with this issue easily and very fast. He charged me about {$500.00} but I have to deposit at least {$200.00} for him to start and then to make monthly payments. He told me that I will see a changed on my credit report in a short period of time and my credit scores will go up within months. He promised me that he will make sure he cleans everything and have all 3 credit bureau to delete informations that are not belong to me and get rid of anything that is appeared to be a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Follow up to Transunion reporting being incorrect. XXXX. 
2 Weeks ago Transunion deducted XXXX points from my score. I filed complaint with CFPB and last week my XXXX points were added back on to my score. Today Transunion deducted XXXX points. All of my accounts decreased. My balance on XXXX XXXX was transferred to a 0 % interest credit card. XXXX and XXXX increased my score. Transunion decreased my score XXXX points. Transunion is inaccurate and all over the board please see attached documents.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain adequate housing. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove disputed accounts. Please notify that the items have been deleted pursuant to 611 ( a ) ( 6 ) 15USC 1681j ( a ) ( 6 ). I would like to remind you, using the XXXX method to verify these disputed accounts which you are aware of, is against the FRCA guidelines. Please also include the method use to " verify '' the debt you claim I owe. I have requested the person 's name, phone number, address, company name and the individual 's title. 
Please remove all non-account holding inquiries thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im a victim of identity theft I have been trying to correct inaccurate information on my credit file for the past two years. This my second attempt to correct these errors. Im aware that according to FCRA 611 ( 5 ) ( a ) that if the consumer states after the 15 day reinvestigation that an item of information is inaccurate it must be promptly removed or corrected. Im demanding that these agencies correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Somebody stole my identity and opened accounts in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
i invested with a broker and sent money by wire transfer but the sccamer took my money i went to the bank to try to get help they did not do anything they told me was my problem

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 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I've an account with XXXX XXXX XXXX Credit Card with Comenity Bank. I lost access to online account a month ago and I've been trying to contact their customer service to help me reset my password since the online reset doesn't work. Every time I call they want me to call after 24/48 hours later. The account was recently moved from XXXX XXXX XXXX to Comenity bank and I had 3 fraud transactions already in this account. I'm now worried and stressed out due to this. Please help me out. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove one account from my consumer credit report that does not belong to 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 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Good afternoon. 
I have a mortgage loan with Freedom Mortgage and my loan number is : XXXX. I didn't have any escrow with my mortgage when I started my loan as I had over 30 % equity on my property. I always paid tax and insurance for my property. My monthly payment is {$1500.00} and I always paid my payment on time with automatic payment method with my bank. since XX/XX/2023, Freedom Mortgage started withdrawing {$1900.00}. I noticed that in XXXX and called the customer service and they said that they didn't receive my property insurance documents and that's why they added escrow in my account. I uploaded my insurance docs in their message center as they didn't receive my postal mail earlier. I requested them to refund my extra payments they already took and remove escrow from my account. They refused to refund my money and remove the escrow. instead, they kept me waiting for hours on the phone and kept transferring me to different agents. After back and forth with a lot of calls and messages they still refusing to solve the issue. now my XXXX payment is due and they still didn't fix the problem. They sent me a message saying my request to remove escrow has been denied. Later I read all the horrible customers reviews about the company and found that I am not the only victim of their illegal demand. They are still charging me escrow for insurance and I already have insurance for the property. 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 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Around Tuesday XX/XX/2023 I called Desert XXXX XXXX XXXX Credit Card service aka Cardmember Services aka Elan Financial Services to request my most recent statement. I am in a divorce process and it is critical that I receive the most up to date information about this account as it is to be closed and paid off. I originally spoke to " XXXX '' around XXXX who said she would put in a request to have this statement ( my most recent credit card statement ) email to me since she did not have the ability to email it ( lol ). She also said they could not express mail it to me either. I never heard back from her nor did I get a response from Elan Financial/Cardmember Services/Desert XXXX XXXX XXXX XXXX I had told her I was going to put in a complaint to the CFPB if I did not get this information. I have been unable to log into their website at cardmember services ( I used to be able to log in ) and I have received nothing in the mail from them even though I have lived here at my address for over 11 years with no other addresses or po box es ever. I never received *anything* after speaking with XXXX so I called in around Thursday XX/XX/2023 around XXXX and talked to a supervisor who said she would put in more requests to get this documentation to me. Its absolutely ridiculous that I can not log into their website ( we went through the process but they were unable to open up their system to let me log in ) or that they can not simply email this statement to me. This has huge implications as now my divorce proceedings are affected and if this account doesn't get paid off correctly I will have to consider further measures. Elan Financial/Cardmember Services has to be in violation of some kind of laws by refusing to get my credit card statement to me : they are charging me a high interest rate and making alot of money off me ( and all their other customers ). They certainly deserved to be sued at this point. This company has a 1 star XXXX rating so I do not think they are fit to do credit card business in the state of Arizona or anywhere else. I need my most recent credit card statement emailed to me immediately at XXXX AND express mailed to me at my current address which I know they have on file. I think they should be fined as well for having obscure business practices and refusing to send me information I need about my credit card account, namely the most recent monthly statement which is not available on their website and they are not sharing with me via regular mail email or any other means. Thank you. Found their confirmation number its XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
The following hard inquiries were submitted to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Alabama Department of Human Resources is reporting to my credit hurting my score when Im fact they have no right to insert or report to my credit file whatsoever. 
XXXX is also reporting to my credit report about account that does not have my signs or contract you furnish on 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 non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on XX/XX/2023.

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