vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Scheer, Green & Burke L.P.A.
State: WV

Complaint narrative:
We have been trying to call Scheer, Green, & Burke since XXXX to pay our medical debt. We have left several messages on their automated voicemail with no attempts of them returning our call. Spoke with the secretary and was informed that was the only way to reach them. Total balance as of XX/XX/2020 {$1500.00} from XXXX XXXX University XXXX with reference # XXXX. We have asked them to please call back on my cell at XXXX with detailed voice messages. We would like to make payment plans or pay by credit card. Their statement says to contact them at XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
this was not sent in error i am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my early warning report. Unauthorized use of my early warning report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
IRS FRAUD and United States Code Law Violations One Main Financial Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil Liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION One Main Financial is trying to collect on an alleged debt despite not creating consumer account for securitizing consumers retail installment agreement which under 16 CFR 433.1 is indeed a credit sale as consumers social security number was used in said transaction. One Main Financial has not provided consumer with official treasury forms filed under consumer social number as described by XXXX as a credit card. Consumer reporting agency ( XXXX, XXXX, and XXXX ) hard inquires shows proof consumer credit was pulled. Which by the rules govern said company under the FCRA, FTC and 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3 company is bound to follow all guideline when offer retail installment agreements per the contract as a consumer my rights can be altered at any time. 
As for the XXXX, XXXX, XXXX that One Main Financial has filed with treasury department under the rules of the XXXX company must provide consumer with a copy for accurate IRS reporting for any debt over {$600.00}. One Main Financial is not filing the proper taxes with IRS which is fraud. Due to companys non-compliance consumer will have no choice but to file form XXXX along with other applicable XXXX IRS forms under filing IRS with the treasury to audit consumers account to make sure accurate reporting and taxes are rendered per the security agreement signed under One Main Financial with the XXXX XXXX XXXX along with all XXXX IRS forms needed to conduct an audit on consumer account. 
One Main Financial has also securitized consumers promissory note indenture trustee over securities yet have not credited consumers accounts accurately. Due to the recent change in consumer laws please serve this as notice that upon a valid proof of claim notarized under penalty of perjury consumer refuse to remit any funds until all documentary evidence of the accounting on the public and private side of consumers account. One Main Financial immediately stop any reporting until said company provide all information under the penalty of perjury for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX XXXX  I contacted all three credit bureaus, XXXX XXXX, XXXX and Experian to add fraud, alert to my accounts and provided police report documentation along with documentation to identify myself. On all three credit reports, there are names associated with two fraudulent accounts that were reported to the credit bureaus, my accounts still display names that do not associate with me I have requested verbally over the phone on XXXX XXXX to all three credit bureaus that my information reflect as follows Only one name report to all accounts, which XXXX XXXX Only one address report to all three accounts, which is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX I have requested the following information be removed from all three credit bureaus as they were related to fraudulent accounts XXXX ) XXXX : - Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX - Address : XXXX XXXX XXXX XXXX, XXXX, FL - Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Fraudulent accounts : XXXX XXXX XXXX XXXX account # XXXX XXXX ) Experian - Address : XXXX XXXX iXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - Name XXXX XXXX XXXX XXXX - Name : XXXX, XXXX - Name : XXXX, XXXX XXXX XXXX Fraudulent account XXXX XXXXXXXX XXXX XXXX account number XXXX I have submitted all proper documentation relating to death and burglary from the XXXX XXXX police department I have received correspondence from both Experian and XXXX stating they have updated the accounts properly and will not remove fraudulent accounts.

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 2023-01-25 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: GA

Complaint narrative:
My checking account was compromised and it was closed because of that and I did have some money in my account at the time.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
On all three of my credit report there is an open account with Dept of Education Aidvantage with a balance of XXXX. However, this account was closed and my loans was transferred to XXXX. I would like for this account to be updated on all three of my credit report showing that this account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
On XX/XX/15 Payment to my AMEX was made from the wrong account in Error my XXXX XXXX  account XXXX - The payment didn't clear ( our fault ) - Amex notified me and I correct the issue and paid {$6500.00} from my XXXX again - However Amex continued to process the payment from XXXX even after the {$6500.00} was paid - I called AMEX and advised that they were paid and impacting my account and please stop trying to process the original payment of {$6300.00} - Amex XXXX refused to stop and claim there is no way to they need to keep processing for XXXX attempts - I called and told AMEX they were paid and still impacting my XXXX XXXX account causing my account to be overdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: TX

Complaint narrative:
I am deeply concerned about the errors that still appear on my credit reports. These errors are ruining my credit profile and damaging me a consumer. Under the Fair Credit Reporting Act, incomplete, innaccurate and unverifiable information should be promptly removed from my credit file. This journey has taken over 30 days. I have not received the information I requested. 

XXXX XXXX number : XXXX XXXX XXXX number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Santander Bank XXXX XX/XX/XXXX {$940.00} XXXX transfer funds from my personal checking account at XXXX XXXX XXXX to my personal checking account at Santander. I accidentally put the name of my HOA building Account on the check. This was flagged by the XXXX department, they held the funds from XXXX XXXX XXXX, and did not release them into my Santander account. I went into the local branch to clear this up. They confirmed the money was from my account at XXXX bank into my account in another bank, and assured me that my funds will be available within 30 days. They never released my funds. They cleared the money out of my XXXX XXXX XXXX  account and held it in accessible to me. I have gone back on three occasions since then to be told in person that my funds will be available soon. 

They told me in person that I would simply need to add funds to account for the amount deemed fraudulent. My account remained as a negative available balance for 3 months despite having > {$500.00} in the account. I was not permitted to withdraw any money. 

After 30 minutes in person and having the banker call headquarters and escalate through multiple levels I was told I would be able to access my account if I deposited even more money. I did so and my account funds, now greater were still held. 

This time after 40 minutes in person I was told I could access my funds in another 30 days if I made a deposit. I stated this was not acceptable as I need access to My money. 

I demanded that the original transfer be returned to my XXXX XXXX XXXX account. They stated that they could initiate that transfer but that the funds might not be available for Another 30 days. Additionally, I would STILL not be able to transfer money from my Santander account. 

They held my money for 3 month. Denied me access. And denied me recourse. It is infuriating. The only purpose of this account is for quarterly transfer to an HOA account. Now I can not access that and will incur fees for out of system transfers. 

I will be closing my account and telling all my friends and colleagues how much time Santander bank wastes. XXXX is money and my money is money. And Santander no longer has the right to ask for either from 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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MN

Complaint narrative:
First of all, Chime Bank? It's NOT a bank. It's an Internet service so right off the bat, Chime is misleading. 

Attempted 4 times through chime customer support to have this issue resolved, or assisted in any way. I could get no higher than the original agents supervisor, even after several requests for either a superiors phone number or email. I was lied to twice in order for me to get off the phone. The chat agents will not listen to you, state what's obviously obvious ( i.e. if you go to the chat option you can use chat to talk to an agent ). I had two chats ended after I was asked if I had any more questions. I Immediately responded " yes I have a few '' and the agent blew past my comment and said " well if you don't have any more questions I will end the chat now. '' They literally go out of their way to do nothing for you. I hate complaining to support because that person probably doesn't get paid enough to deal with bs all day everyday but I had no other choice! I asked for help, and I got my time wasted, my issue went unresolved, and almost condescending answers from agents. 

My issue? I wanted either one of my mobile deposits to have some of the funds made available 7 hours earlier than expected because it's my birthday. Why am I broke? Because chimes mobile deposit confirmed my original paycheck deposit, and then notified me two days later, when I was expecting my funds, that the check I submitted wasnt accepted due to a shadow. 12 days later my first check arrives via mail along with my second check. Does chime card? Absolutely not. They told me they can not process the check because their system won't let them. Which is the lousiest excuse from a company I've ever heard. I was basically told " Chime can't help you because Chime won't allow Chime agents/supervisors to do or help with anything ever. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Select Portfolio Servicing Acct XXXX Because of COVID, I was in forebearance with mortgage company. Forebearance ended in XXXX and I have called them since XXXX, XXXX  to get my new payments. This is log of my calls starting in XXXX. 
May Under Review XX/XX/XXXX Under review XX/XX/XXXX Under Review XX/XX/XXXX Under Review XX/XX/XXXX Under Review XXXX Under Review XX/XX/XXXX Sent requested hardship letter XX/XX/XXXX, Called in because I could not log in and to check the status and I am told I am not eligible to the repayment of my loan and that I've been referred for foreclosure. I was told by the service rep that SPS approved my repayment XX/XX/2022 and I had a window of XX/XX/XXXX to accept. 

So instead of approximately {$1800.00} a month I must come up with {$32000.00} to avoid foreclosure. My problem is that they did not follow their process or were they timely in completing my request for the loan modification and closed the door on me without making any other attempts to advise me of that opportunity. They did not follow their process of notification and they indicated because I am paperless I should have been checking their website. SPS should give me additional consideration since they did not follow their process and I did follow up as much as I thought was necessary. 

I am only behind in my payments because as a XXXX  in XXXX, I did not receive rent nor could I evict. It does not seem fair that I have to lose my building and home because I complied with state and federal laws and SPS was not transparent or timely in processing my forebearance request. 

All I want is to be allowed to accept the plan that was offered that I waited over 7 months to receive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XXXX was not given to me as XXXX XXXX. XXXX was approved to XXXX XXXX. They approved a loan to a dead man. I am not dead. I XXXX XXXX is still alive. XXXX XXXX is the deceased man they approve the loan to. I XXXX XXXX would like for this to be off my credit report from Speedy Cash.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo overcharged me. They sent me one check so far but I had another account I never received anything for.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX FIN # XXXX Account name XXXX XXXX XXXX  # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Synchrony Bank had an issue with their website that resulted in my IRA funds being put into a non-IRA CD. ( Clearly, the web designers never talked to the IRA department about the differences between opening an IRA CD and a non-IRA CD. The problem has long since been corrected. ) When I finally got someone to move the funds into the proper IRA CD, I was penalized {$1800.00} for an early withdrawal. Yes, I was being penalized for their mistake. The customer rep acknowledged the problem and said he would get back with me. He never did. Over the past three years, I have called Sychrony many times and have written two letters to senior managers. Only one person has contacted me and like everyone else in the company, she forwarded my complaint to someone who has yet to call me back ( after three weeks ). Synchrony 's pattern of arrogance towards its customers is undeniable.

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 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Violation of XXXX XXXX XXXX No permissible permission or contract with the company Unauthorized use of assumed name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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:
From XX/XX/22 to XX/XX/22 my family and I went on vacation in XXXX, XXXX. On XX/XX/22 ( posted date XX/XX/22 ), I was fraudulently charged {$1000.00} by " XXXX XXXX '' for a transaction that I never made. In addition, I was also charged {$30.00} for a foreign transaction fee. I discovered and reported this fraudulent charge to Bank of America sometime between XXXX. 
According to Bank of America, the merchant " XXXX XXXX '' is a restaurant in XXXX XXXX. I have never been to XXXX XXXX in my life before, so I could not have made this transaction. I flew directly into and out of the XXXX XXXX, and I have pictures of myself and my family at different XXXX tourist locations every day of my trip that can prove that I was indeed in XXXX. XXXX is around a XXXX XXXX XXXX from XXXX XXXX. There is no physical/logical way that my physical body was simultaneously in XXXX and XXXX a restaurant in XXXX XXXX XXXX 
I used my credit card a few times while in XXXX, and XXXX particular instance stands out to me as the most suspicious. I attempted to use my credit card at a gas station. The worker first took my card and attempted to use it in XXXX handheld device. He told me that the transaction didn't go through, but that there was another credit card processing device that he could try. He took my card and went to another device. This device was on the other side of the stand, so I could not see precisely how he attempted to process the card. He came back with my card and told me that the transaction did not go through. I paid with cash instead. All in all, he attempted to process my card multiple times on multiple different devices. This instance stands out to me as the most likely source of issues. 
After Bank of America refused to rectify this fraudulent charge, I asked that they re-open the investigation. I also filed a report on with XXXX XXXX TX XXXX Police Department, my local police department. I voluntarily gave them a two-page statement for them to investigate. This statement includes my daily itinerary of every location in XXXX that I visited. My report number is XXXX ; I filed the report with XXXX # XXXX. I then informed Bank of America that I filed a police report and gave them the number of my report and the contact information. 
I am asking that Bank of America expedite their investigations and arrive at the fair and logical conclusion that I did not make a {$1000.00} transaction to 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 monetary relief