vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Last Four XXXX {$1300.00} Walmart Acct. # XXXX Police Report # XXXX *Fraud Affidavit Attached* Dear CFPB, I am contacting you all, because I do not own the Walmart/Synchrony account that was taken over by XXXX XXXX. I have been having issues disputing this matter. I decided to contact XXXX XXXX directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. On the Walmart/Synchrony account, the address is completely off. No wonder, I did not receive the document. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from XXXX XXXX on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to Synchrony Bank and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, 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 explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX  XXXX XXXX Balance : {$500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX Balance : {$460.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2300.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather deletes this erroneous account. 

XXXX XXXX Balance : {$0.00} - This account is reporting twice and the original creditor has not reported it as transferred or sold. Please remove. 

Chapter XXXX Bankruptcy XXXX This was filed in my name by someone else and was fraud please remove 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 2021-01-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I purchased six one-way XXXX  ( flight XXXX XXXX tickets on XX/XX/XXXX through XXXX for a flight that was suppose to take place XX/XX/XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX layover in XXXX XXXX XXXX. Due to the circumstances of Covid-19 the flight was cancelled by XXXX on XX/XX/XXXX and a {$1800.00} XXXX {$310.00} x 6 ) credit was issued by XXXX. 
On XX/XX/XXXX I contacted XXXX with a refund request when looking through the XXXX website I realized this airline was no longer flying internationally and they had greatly reduced their domestic flights as well. The XXXX representative send out an email on my behalf to the merchant XXXX  for a refund request ( per the XXXX representative I was provided with an email reference number ) and after a month of not receiving any information either from XXXX nor XXXX I called XXXX back on XX/XX/XXXX. At that point the XXXX representative said they had not received any response/information to the email they had sent to XXXX and told me to wait. After waiting a couple of weeks I made the decision to contact my bank and the credit card I had used to purchase these tickets which was BANK OF AMERICA credit card to start a refund claim process. BANK OF AMERICA refunded 2 of the claims for a total of {$620.00} but has not refunded the remaining {$1200.00}. I can not afford to lose any portion if the {$1200.00}. And as of XX/XX/XXXX BANK OF AMERICA has done little to resolve my claims and when speaking to their " claim specialists '' they have pretty much said I am sorry out of luck! 
I hope you can understand my concern.

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 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I started the refinance process with US Bank back in XXXX of 2020. We have still not closed. Up front they promised certain fees would be waved due to my situation. They changed the response later on. I have asked for follow ups going on for 5 months. Part of the delay was because they don't understand Land Trusts verses Living Trusts. I had to hire a lawyer to explain it to them. Four weeks later, they required similar documents which the lawyer said was not applicable. I have tried to communicate with levels of management only to get the same run around. Meanwhile, I have extra fees I must pay plus 5 plus months of extra interest due to a rate that is 1.5 points higher that what I was trying to refinance against.

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX  XXXX XXXX Balance : {$500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2300.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather deletes this erroneous account. 

XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting incorrect Balance, incorrect past due amount, as well as the wrong Date of last activity. These are all violation please delete account. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$0.00} - This account is reporting twice and the original creditor has not reported it as transferred or sold. Please remove. 

Chapter XXXX Bankruptcy XXXX - This was filed in my name by someone else and was fraud please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2020 an unknown person accessed my online banking account, created themselves as a " Payee '' and was able to send themselves {$9400.00} without any type of alert or caution from Huntington. This fraudulent transaction was noticed by me XXXX, on this date I filed a report with Huntington that this transaction was not made to anyone I know and was not done by myself. Since the initial report I have followed up 6 times with Huntington customer service ; since those correspondences I was told that my case was closed without ever consulting myself, unable to speak with the researcher working on the case, and indirectly accused of attempted fraud. Huntington Bank has made little effort to work with me as a victim of fraud, has failed to be an advocate for me as a long time customer, and has been negligent in their handling of a case in which their own system allowed a fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carvana Group, LLC
State: NC

Complaint narrative:
I entered into a consumer credit transaction with Carvana LLC on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved, the finance charge in this case being in the amount of {$11000.00}. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction but all charges have not been included in the finance charge.. In my knowing that the finance charge is the sum of all charges, I was not expecting any bills from XXXX XXXX or anyone else. However, on XX/XX/2020 I received a bill from XXXX in the amount of {$390.00}, and they have sent me a bill every month since then XXXX attempting to collect a debt that I do not owe, which is a violation of federal law XXXX XXXX XXXX ( XXXX ) which states that the collection or the attempt to collect of any amount is not permitted. I have sent both parties ; Carvana and XXXX an Affidavit of Truth stating the facts of the violations committed against me along with exhibits, Ive also sent them a Cease and Desist demanding civil liability remedy for violating my consumer rights, as well as an invoice demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I refinanced by loan earlier this year and the loan was subsequently sold to Dovenmuehle Mortgage in XX/XX/XXXX. This loan is approximately for 33 % of the value of the home. I have owned this home over 13 years and had never escrowed any insurance or taxes. With the refinance i was informed i would need to escrow Flood Insurance due to this be a coastal home. They escrow {$75.00} per month to pay my flood insurance which will be due in XX/XX/XXXX for approximately {$900.00} ( please note i had already paid the XXXX XXXX payment myself ). I would like to point out i had made approximately 7 phone calls between XXXX and XXXX verifying that i had a valid policy on the house and the escrow was only for my flood insurance, In XX/XX/XXXX, I paid myself the {$6800.00} property taxes for my home. Several weeks later i received notice that Dovenmuehle paid my property taxes post my action of payment. I spent over 2 hours on the phone in XX/XX/XXXX with a Supervisor attempting to get clarification. Yes they confirmed the escrow was only for the flood and this payment should not have been made. A refund would be requested. I received notice on by credit report that an additional loan of {$6800.00} was placed against me by Dovenmuehle. I contacted the company again by email requesting an update on the refund they were requesting and advise them this has now caused action against my credit report. I received a response indicating that they would not be issuing a refund and an escrow analysis would be conducted. In addition, they stated my loan would be transferred in XXXX. I need resolution of my escrow, credit and have this finalized before transfer to a new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
The amount they are attempting to collect is the wrong amount and the debt doesn't belong to me. My name is XXXX XXXX XXXX and the the bill is in the name of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-19 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: CT

Complaint narrative:
I bought a used car, a XXXX XXXX XXXX, VIN # XXXX, that I financed through Ally Auto Finance. I was involved in an accident in XXXX of XXXX in which the car was basically totaled. The insurance company settled with the finance company ( Ally ). In XXXX of XXXX, I received a letter from Ally ( copy attached ) in which they stated that they sold the car for more than what I owed on it and that I was entitled to a refund of the surplus in the amount of {$11000.00}. The letter was dated XX/XX/XXXX. I waited several weeks but did not receive the excess funds as promised in the letter. I made several phone calls to the company and was given the complete runaround - put on hold for hours, transferred back and forth among various agents, but no one could or would give me an answer as to when I would receive the funds promised in the letter dated XX/XX/XXXX. In XXXX XXXX, I sent a certified letter to Ally demanding payment as promised. It has been over a month since I sent the letter and I still have neither received the funds or so much as a response to my inquiries. I am a single mother who has been significantly impacted by the Covid pandemic financially, and I desperately need the money I am owed.

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 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: A+ Financial Services, Inc.
State: GA

Complaint narrative:
A check was cashed by A Plus Financial Services that was stolen from me. I reported the check lost or stolen to my insurance company XXXX XXXX XXXX XXXX .Consequently the check was cashed at the aforementioned check cashing facility. This company didn't exercise due diligence confirming the identity of the holder or legitimacy of the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: MD

Complaint narrative:
I contacted Transunion twice in XX/XX/XXXX. I spoke with XXXX at XXXX. She refused to investigate the disputes stating disputes can not be disputed. I stated that according to the FCRA, Section 611, I can request the dispute of inaccurate and unauthorized information of my credit report. She again stated she would not investigate my personal disputes. I contacted Transunion again to dispute the information and spoke with XXXX at XXXX. XXXX requested all inquires that I was disputing but still refused to investigate the disputes stating that the disputes could not be removed or investigated without proper documentation. As a consumer, I am allowed a proper investigation of the information that is contained in my credit report. Transunion also wrongfully reinserted inquiries in my credit report when they had a server was down and did not send any documentation of inquires being inserted. Transunion is in violation of FCRA Guidelines.

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 2021-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
NewRez LLC is holding too much of escrow after all insurance and taxes have been paid by end of XX/XX/XXXX. 

I refinance my house with NewRez in XX/XX/XXXX. Purchased a new insurance due to a divorce. My insurance servicer billed NewRez for additional insurance payment in XX/XX/XXXX. However NewRez failed to response to the bill. I ended up paying additional {$750.00}. 

On top of me paying this amount, NewRez held excess amount of escrow in excess of two months. I tried calling for NewRez to remedy and provide a response. I have paid the principal and interest in the interim awaiting for the escrow to be fixed for XX/XX/XXXX payment. So far they have not issued a refund of excess of the escrow as of today. And they have charge me late fees while I already paid for the principal and interest and they have not posted this towards my balance. 

I want to make sure that no other individuals are paying more into their escrow beyond what the law requires. NewRez may be hoarding excess funds for other purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: NC

Complaint narrative:
This debt is not valid and I DO NOT OWE this debt. We are still customers with XXXX XXXX XXXX XXXX. We moved from one location to another location and kept the service. If we owe this debt, why didn't they just shut our service off which we have had at the new location for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
My Mother in Law passed away in XXXX. I am trying to close the estate. I called Hyundai and asked them if they can send me a copy of the lean release. They confirmed that the car a XXXX  XXXX was paid off, and told me they were sending a copy of the lean release to my mother in-laws house. I have called several times starting in XXXX and they just keep telling me that its in the mail. This is unacceptable.

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