vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank closed my always paid on time account with Amazon without warning because I had a hiccup at my bank and I was told they closed it because 2 of the payments didn't go through for a very small amount of.money and they were extra payments not payments towards the monthly bill. I tried to rectify it with a CSR and then their manager but they just gave me a curt response. They are notorious for doing this and they did it with both my Walgreens and XXXX and XXXX card in which both had XXXX balances and the full amount of available credit. 
I am peeved!!

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 2023-07-10 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: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
I am currently working with legal group to settle my debt. The credit company was continuously calling me and bring aggressive/threatening. I asked the credit company to only communicate with me through written means. They refused to communicate this way and continued to call very frequently.

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 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am making this complaint because Capital One is refusing to provide me with information about unauthorized withdrawals from my checking account amounting to {$800.00}. 

On XX/XX/XXXX, two unauthorized transactions occurred at an ATM at a XXXX in XXXX. In each unauthorized transaction, {$400.00} was withdrawn from my checking acount, totalling {$800.00} in withdrawals. 

Shortly after discovering the unauthorized transactions, I informed Capital One. On XX/XX/XXXX, the company said that it had begun an investigation of my claim, which was assigned the number XXXX. The company provisionally refunded the {$800.00}, and later decided the claim in my favor on XX/XX/XXXX. 

However, Capital One has refused my repeated attempts to obtain information about how the unauthorized transactions occurred and what actions the company is taking to prevent future such thefts. 

On XX/XX/XXXX, the company responded to my first request for information about the incident by saying " this is not something we are able to provide for approved claims. '' In a subsequent phone conversation, a Capital One representative submitted on my behalf a second request for information. But on XX/XX/XXXX, the company once again denied my request using identical language, with no additional explanation. 

Capital One 's opacity in this regard suggests the company is attempting to conceal its inability to adequately address security vulnerabilities that are leaving consumers open to thefts like the one I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: OK

Complaint narrative:
I have a XXXX XXXX. Some time ago I did a balance transfer to that card of about {$7000.00} at XXXX percent interest until XX/XX/XXXX. I also had some purchase balance on the card. I started paying extra in XXXX to pay off the higher interest purchase balance. When I looked on my statement this month I noticed that the transfer balance had been reduced instead of the purchase balance, which is at a higher interest rate. I called the company today ( XX/XX/XXXX ) and asked them what wash going. They told me that they always apply payments to the higher interest rate first. I told them that it was my understanding that the law required them to apply extra payments to the higher interest rate. The representative told me that she had never heard of anything like that. I did some research and found that under the Credit CARD XXXX of XXXX they should have applied the extra payments to the higher rate first.

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 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 USC 1681 ( b ) permissible purpose of consumer reports 15 USC 1681 ( 2 ) ( a ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 disclosure of personal information to a third party without authorization is considered " identity theft '' In reference to late payments reported by : XXXX XXXX XXXX In reference to credit usage : 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 explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: CA

Complaint narrative:
Movement Mortgage held onto an on-time payment I made in XXXX, XXXX  for 20 days causing my mortgage balance to increase. In turn, on XX/XX/2023 XXXX sent me a notification that our principle balance on our mortgage increased {$1600.00} from {$440000.00} to {$450000.00} despite never being late on a mortgage payment. 

As far as I can tell, XXXX held onto our XXXX payment because they were doing an escrow analysis and messed that up as well. 

When I pointed this out to Movement Mortgage and asked for an accounting, they did not send a proper accounting showing the total mortgage balance as requested and became non-responsive when I asked them to correct their error in reporting to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OK

Complaint narrative:
On the XXXX of XX/XX/XXXX I checked to see if my property taxes had been paid. They had not. Since I was about to receive a penalty for property taxes not being paid on time I paid these taxes ( {$2300.00} ) through my bank account. 

My mortgage is supposed to include the payment of my property taxes, which specialized loan services failed to ensure went through. They state that there payment was sent on XX/XX/XXXX. But this was not indicated when I first contacted them in XXXX of XXXX. 

After multiple months of being told the item was being looked into the company finally received the portion that was to be paid through my mortgage from the state of Oklahoma. 

I have made multiple calls to confirm that the reimbursed amount would be sent to me upon receipt. Now that the money has been received it was posted to my escrow account on ( XX/XX/XXXX ). 

This money should never have gone to SLS and should have been sent to me as I am currently out both the payments for taxes associated with my mortgage ( {$2300.00} ) and the same amount taken from my bank account, which never should have been necessary. 

I am now being told that an escrow analysis will be conducted and I'll be sent the current overage. This is not what was agreed upon over the phone during the first couple months of phone calls. 

All that I am requesting is that they return my double payment amount ( {$2300.00} ) to me. I have been out this money for approaching 7 months. They never should have had access to my portion of the taxes and have essentially pocketed my payment with the plan to pay me whatever portion remains after an escrow analysis. I am requesting the full payment ( {$2300.00} ) as the money I paid from my bank account never should have been needed or involved. 

The refund should have been sent directly to me and not to specialized loan services. My complaint stems from the amount of time it has taken to resolve the issue ( past 6 months into the year ) along with them only trying to return a small portion of the funds, which I have now paid twice 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 2023-07-10 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:
did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: IL

Complaint narrative:
The company put fraudulent information on my credit report and will not provide me with a wet signature signed by myself

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 2023-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I have received over XXXX calls between XX/XX/XXXX and XX/XX/XXXX. Its an automated message that doesnt make much if any sense. I finally called them and reached a human. Was unable to obtain any information as to what this is related to. I do not claim ownership of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: MD

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XXXX and Capital one works together on fraudulent transactions.Capital one gave me XXXX on XXXX and i made purchase XXXX : {$53.00}, {$38.00}, {$68.00}, {$33.00}, {$41.00}, {$4.00}. I added all up comes too {$230.00}, and available should be {$260.00}? when i was in XXXX Utah XXXX XXXX XXXX transaction was Declined for {$140.00}, So i paid {$100.00} cash for other items.Than {$41.00} transaction work on {$41.00} and only groceries i got is XXXX XXXX {$3.00}, and {$2.00} bag donuts ...... But XXXX i saw pending transaction {$61.00} XXXX XXXX for groceries..i never gave XXXX my credit card, only at checkout electronic checkout.Now i called in today XXXX XXXX got XXXX or someone dont speak XXXX to good, not clear, i ask to speak with someone else, i couldn't understand her.She refused to get me someone, understand XXXX guess XXXX owns Capital one, because capital one has to many illegals working there.Online when XXXX login it show balance {$390.00} and available {$150.00}, but when i spoke with them, say i only have {$40.00} available.If i got XXXX limit and i should have {$260.00} available, i supposed to get XXXX of free interested, i supposed to get checks on my account to pay bills.They capital one refused to send them, say they dont do that anymore.But they offer it when i applied for credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I mistakenly transferred {$800.00} to my grandsons closed Cash App account. I contacted them and was told that there was no way to retrieve that money because I and my bank agreed that I was indeed the sender. That and all Cash App account in his name has been closed and canceled by Cash App and no such account existed at that time. If the money did not go to him, all I'm asking them to do is to please find out where my {$800.00} went to. For me, that's a lot of money to be in the wrong hands and I've uploaded the correspondence that I received back from them. This happened on Friday, XX/XX/XXXX in the afternoon and my grandson and I tried to trace the money but could not. 

Any help you could give me would be so appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ( home phone ) XXXX email address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Strategic Financial Solutions, LLC
State: IL

Complaint narrative:
on XX/XX/2023 I got a letter saying I was pre-approved for a personal loan up to {$32000.00} " at 3.87 % interest rate. '' However, when I called in and followed the steps and was given the actual loan offers the rates were all north of 12 %. They said that 3.87 % was jsut the pre-approval amount that how could they be that far off? Thats 3x off. There is nothing in my credit profile that would have caused the rate to be increased 3x. Its XXXX and they know it, there is no way they are giving anyone a personal loan at 3.87 % that is lower than what our federal gov pays on their treasury bonds. This is clearly misleading and they know it is I bet if you did an audit of their loan book you we see that they don't have one loan at that 3.87 % so when they advertise that it's knowingly misleading.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion, is refusing to send me how they verified two accounts on my report stating they have already investigated and have no obligation to reinvestigate. I am aking for how they verified, contracts with my signature etc

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 2023-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
In XX/XX/XXXX, a complaint was made with Federal Student Aid concerning the principal amounts that Mohela stated that was owed by me. A call was made after speaking with Student Aid to Mohela requesting that they send to me what was used to determine the amount that was owed by me because they amounts that they are saying was owed is not correct. At the time of my filing the complaint with your Agency, no documents were provided by me. This time there are documents to show that before XXXX, my total debt with XXXX XXXX and the Department of EducationXXXX totaled {$46.00}, XXXX with the dates of XX/XX/XXXX in question as these two debt amounts, total the same. When XXXX XXXX transferred the debt to XXXX, they correctly XXXX  the debt out with them. When the Department of EducationXXXX transferred the debt to XXXX XXXX , they did not, XXXX  the amounts in their system once XXXX XXXX accepted the loan debt. A dispute was filed with the credit bureaus and XXXX was the only one to have the Department of Education/XXXX to correct was showing. After filing a complaint with the Federal Student Aid Ombudsman because Mohela  states that was is owed is over {$57000.00} and this is not correct because as an undergraduate, {$46000.00} was to the total loan amount that was received by an undergraduate before XXXX. 
Mohela finally sent and was received by me on XX/XX/XXXX, what information they used. They appear to have increased the original principal amounts to show $ XXXX and they used XXXX and FedLoan Servicing and possibly the debt from XXXX from XXXX XXXX that was forgiven as they lost accreditation and the school closed its doors and no grades were given. The total principal amount changed with Mohela and it is my understanding that this should not be. Attached are my documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This problem results from Wells Fargo acquiring my {$200000.00} line of credit from Wachovia Bank in 2008 and refusing to honor the fixed rate option in the Wachovia agreement. Without my consent the line of credit was converted to home equity. With rising interest rates, I am having difficulty with the payments. Since 2008, I have consistently made payments ( have not missed a payment ). None of my payments have been applied to the principal. Wells Fargo tells me that all of my payments ( since 2008 ) have been interest payments and they refuse to give me any statement as to how much I've paid. They have given me a stack of papers and instructed me to compute how much I've paid since 2008. I have asked for an increase in the line of credit in order for me to scale up my small business to meet increased demand for my product. Despite my being a loyal customer and having a {$1.00} XXXX home as collateral, Wells Fargo has refused my request. I was told by a Wells Fargo employee that Wells Fargo does not extend lines of credit XXXX XXXX XXXX  XXXX. I have not been given an official reason for the denial ; another employee said it was above her pay grade and if I didn't pay, Wells Fargo would simply foreclose on my house.

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 2023-07-10 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: MO

Complaint narrative:
Equifax after my dispute was done lowered my score XXXX POINTS!!! There was no changes made after the dispute was finished at all. They had no right or reason to completely ruin my credit. My score was XXXX as of XX/XX/2023 and as of XX/XX/2023 it was XXXX with no changes on my credit report except one good one as i paid down on my account. This is really WRONG.

Company response to consumer: Closed with explanation