vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 00:00:00
Product: Credit 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: VA

Complaint narrative:
I paid with two of my company credit cards the sum of {$19000.00} and I already complained to the bank and the bank rejected my claim. I need the money back because paying that campaign where I made the transaction was a scam. The date is XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: VA

Complaint narrative:
TransUnion has listed XXXX XXXX on my Credit Report for several years now. It also has me acquiring this card in XXXX XXXX. I didnt acquire any cards or credit during that period. My report consistently shows XXXX Applied accounts on my report. They both have the same account numbers but show XXXX different balances. It has remained on my report for years and I have questioned this account. Its clear the Credit Bureaus dont do a thorough job of checking for accuracies. How would it have been possible for me to have XXXX accounts with different balances and the same card number? I was an XXXX Representative during XXXX, but I dont recall having a card. I was greatly affected by XXXX Financially. Why hasnt this Bogus information not yet been removed from my report? I have the credit report information from TransUnion show the same incorrect information listed for XXXX conflicting amounts for a card ending in the same number..??

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 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Pursuant to the fair debt collection practices Act XXXX United States Code 1692. Once the original creditor sells my debt to a 3rd party debt collector without my permission. I no longer owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is showing a late payment in my credit report that a dont recognize as true, please make an investigation about these XXXX late payments .this late payment was XXXX XXXX... I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 

Please send me my updated report as soon as your investigation is completed.

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 2024-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Have received approximately 25 calls ( which are continuing at XXXX per day ) from Hyundai Motor Finance asking me to contact their collections department. The calls do not ask for anyone by name. 
I have no loan, no lease, and no relationship with Hyundai. I have never owned nor leased a Hyundai automobile. I've never even set foot in a Hyundai dealership. 
I have made several calls to Hyundai Motor Finance asking that the calls stop with no effect. Customer service representatives state that my telephone number does not appear in their system as being associated with any account. I suspect this is incorrect as their automated phone system does appear to recognize my number as it asks me to verify my account with the last 4 digits of my social security number which, obviously, I have not done. 
I have owned this telephone number for at least 20 years and I'm not aware of any problem with identity theft or any type of fraud that would have my number associated with any other identity or financial account. 
I have attempted to contact at least 6 top-level executives of Hyundai Motor Finance / Hyundai Capital America but it appears that their corporate email is set up to block emails from outside their own domain as all emails have resulted in error messages. 
After speaking to someone claiming to be a manager within their collections department I was promised that the complaint would be escalated to the team that handles their call system and that the calls would stop within 48 hours. That was over a week ago and the calls continue on a daily basis. 
I can provide call history of each and every one of their numerous calls and of my attempts to resolve this situation with them.

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 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions in my account, after I had everything in place, due to identity theft, to prevent this -- - specifically accounts were deactivated and disabled. ( XXXX ) unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on several complaints. Too extensive to be listed on ( XXXX ) Complaint. 
-- -- As Follows -- in order : -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$300.00} -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXX XXXX. - {$200.00} -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXX. - {$250.00} -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXX XXXX - {$250.00} -- XXXX - Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX  - {$250.00} -- XXXX Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX. - {$250.00} -- XXXX Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX {$200.00} -- XXXX Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX. - {$400.00} -- XXXX Recurring Payment Authorized on XX/XX/XXXX XXXX. - {$100.00} -- XXXX -- XXXX XXXX XXXX XXXX. - {$8.00} -- XXXX -- - Card Claim Reversal of Provisional Credit XXXX. - {$480.00} -- - XX/XX/XXXX -- - XXXX XXXX XXXX. - {$360.00} -- XXXX -- - Wells Fargo Card XXXX XXXX - {$500.00} -- XXXX -- - XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX - {$19.00} -- XXXX -- - XXXX XXXX XXXXXXXX XXXX. - {$200.00} -- XXXX -- - XXXX XXXX XXXXXXXX XXXX. - {$500.00} -- XXXX -- - XXXX XXXX XXXXXXXX XXXX. - {$200.00} -- XXXX -- XXXX XXXX XXXX XXXX XXXX. - {$25.00} -- XXXX -- - XXXX XXXX XXXX XXXX. - {$100.00} -- XXXX -- XXXX XXXX XXXX XXXXXXXX XXXX. - {$300.00} -- XXXX -- - XXXX XXXX XXXX  XXXX. - {$500.00} -- XXXX -- - Non-WF ATM Withdrawal on XX/XX/XXXX. XX/XX/XXXX. - {$300.00} -- XXXX -- Non Wells Fargo ATM Transaction fee. - {$2.00} -- XXXX -- Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$22.00}. 
-- XX/XX/XXXX -- - Non WF ATM XXXX XXXX. - {$2.00} -- XXXX -- - Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX. - {$65.00} -- XXXX -- -Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX - {$56.00} -- XXXX -- - XXXX authorized on XX/XX/XXXX XXXX  XXXX. - {$47.00} -- XXXX -- - XXXX authorized on XX/XX/XXXX XXXX. - {$98.00} -- XXXX -- - Overdraft Fee for a transaction posted on XX/XX/XXXX. - {$35.00} -- XXXX -- Overdraft fee for a transaction posted on XX/XX/XXXX. - {$35.00} -- XXXX -- - Overdraft Fee for a transaction posted on XX/XX/XXXX. - {$35.00}

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 2024-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MECHANICS BANK
State: IL

Complaint narrative:
Mechanics Bank XXXX XXXX has violated the FCRA Regulation V/ FCRA Section 623 ( A ) ( 7 ). duty to provide the customer with written notification about the insertion of negative information after 30 days of its insertion. I have never received such notification from Mechanics Bank XXXX XXXX in the past or present, If Mechanics Bank XXXX XXXX feels that they have sent me the proper written notification within the legally allotted time frame according to federal law, I am requesting a copy of the certified return receipt bearing my name and signature. If Mechanics Bank XXXX XXXX can not produce the requested document mentioned on time, I am requesting immediate deletion, or I will not hesitate to start litigation to seek monetary damages for noncompliance and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
The call I received and was able to answer came Friday XX/XX/XXXX around XXXX. The person called from a Maryland number and said he was with mcm and wanted to discuss an attempt to correct a debt with XXXX. I said in unaware of this please send correspondence in writing. He ignored me and continued to ask questions about when this debt was opened the dates he said were doing the pandemic. I've not done business with that company. Again I asked for information to be mailed. I have not received any information via mail. Today XX/XX/XXXX Sunday at XXXX I got an invasive call from MCM. I find this erroneous and a disregard to my request for writing. Additionally on Sunday as my family is preparing for church.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have repeatedly challenged with proof the inaccurate information that Equifax is reporting stating I was 30 days late in XX/XX/year> on my XXXX account. This account has always been paid on time and was never late. Despite several disputes, Equifax refuses to remove this damaging and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have been receiving harassing telephone calls from Synchrony Bank concerning my closed PayPal Mastercard account. Additionally, I have been receiving a discrepancy in communications about the past due amount. On XX/XX/XXXX, I received an email indicating that I had a total minimum payment due of {$170.00}, including a past-due amount of {$110.00}. A due date of XX/XX/XXXX, was indicated. However, when logging into my PayPal App, it showed a past due amount of {$60.00} with a message stating, " Pay {$60.00} now to cover the overdue amount and bring your account current. '' This issue has been ongoing as I received the same message again on XX/XX/XXXX. Synchrony Bank closed my account in XX/XX/XXXX allegedly due to returned payments. Before the account closure, I faced challenges with making payments. For instance, in XXXX, PayPal claimed a payment was returned by my bank, but it was a system error caused by PayPal as I used an unlinked checking account. According to PayPal, their policy requires that you are required to use an account linked to your PayPal profile to make payments. The harassing phone calls have continued. The most recent contact was on XXXX Sunday, XX/XX/XXXX, a day that is a religious observance in my household. In addition, I continue to receive communications from Synchrony Bank entitled, Are you having difficulty paying your PayPal Mastercard account? allowing me to enter into a Customer Assistance Plan. However, I am not eligible for making fixed monthly payments as they closed my account in XX/XX/XXXX. In addition, one of the requirements of the Customer Assistance Plan is that I must be willing to close the account. However, Synchrony already closed the account. These offers from Synchrony are misleading. Currently, despite making a payment of {$60.00} on XX/XX/XXXX, I was charged another late fee of {$41.00} on XX/XX/XXXX. My PayPal app on XX/XX/XXXX, is showing a past due amount of {$54.00} and a balance of {$450.00}. It appears that despite making the past due amount reflected in my PayPal app Synchrony continues to charge late fees toward the closed account.

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 2024-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: IL

Complaint narrative:
Self Financial/Lead Bank has violated the FCRA Regulation V/ FCRA Section 623 ( A ) ( 7 ). duty to provide the customer with written notification about the insertion of negative information after 30 days of its insertion. I have never received such notification from Self Financial/Lead Bank in the past or present, If Self Financial/Lead Bank feels that they have sent me the proper written notification within the legally allotted time frame according to federal law, I am requesting a copy of the certified return receipt bearing my name and signature. If Self Financial/Lead Bank can not produce the requested document mentioned on time, I am requesting immediate deletion, or I will not hesitate to start litigation to seek monetary damages for noncompliance and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: Early Warning Services, LLC
State: KS

Complaint narrative:
As of XX/XX/2024, Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal, and non-verbal per 15 U.S.C 6802. Also, I've included 16 CFR 313.7

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have called newraz several times to make corrections on my account for mistakes they made and the issue still has not been rectified. 
I am on a semi monthly payment plan for the XXXX and XXXX of the month. I submitted their form they provide me. XXXX payment was good and XXXX was good. XX/XX/XXXX I get a notification from my bank stating my account went into negative. When I reviewed the account. I saw that Newraz drafted my account on XXXX XXXX. I call immediately and speak to a representative, who couldn't help me so I request a manager and got supervisor XXXX, who advised me it was a mistake, my account wasn't the only one affected its all because XXXX had only 29 days, she assured me she will send a message to the payment processing department give it 24hrs she is have them stop the XXXX payment. I told her I have other bills that come out of my account that if I moss a payment for my credit will get dingged. XX/XX/XXXX rolls around I get a notification from my bank again showing XXXX refund from NewRez. I call newraz to inquire about the refund. I am told it's the XX/XX/XXXX payment. I tell the representative, no that's incorrect the XX/XX/XXXX payment already went through. I spoke to XXXX on XXXX she was stopping the payment for XXXX going through be it's a mistake ( XXXX payment would be due on the XXXX ). The representative suggested she will send a message to the payment department and tell them this info so the can draft the XXXX payment again because a refund shouldn't have been issued. Few days pass I got into my newraz account and I don't see the payment on there. So I call again, I get the same run around, but this time I request someone to call me back ... still no call from anyone... .XX/XX/XXXX comes around and I usually get a email for my drafts from newraz, but no email ... I give it a day before I call them back and get another representative on the phone ... the representative tells me she was not sure why my XX/XX/XXXX payment has not been drafts but she sees that XXXX due to draft on Thursday ... Friday comes around payment has not been drafted... .so now we are dealing with XX/XX/XXXX and XX/XX/XXXX payments that have not been processed. I put requests through their website with call log proof, screen shot of their website showing my account balance as {$2700.00} but that's not my balance. To top it all of the last representative I spoke to this Friday told me that I asked to be removed from ach payments and I was not on a Simi monthly payment plan anymore that I requested to have it removed. Which I did not. After all these calls and all the time spent on the phone to correct a mistake they made. Dealing with this during XXXX XXXX and a XXXX is unreal. I don't know how I can get in touch with a manager to fix my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX, and the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
Heights Finance has violated the FCRA Regulation V/ FCRA Section 623 ( A ) ( 7 ). duty to provide the customer with written notification about the insertion of negative information after 30 days of its insertion. I have never received such notification from Heights Finance in the past or present, If Heights Finance feels that they have sent me the proper written notification within the legally allotted time frame according to federal law, I am requesting a copy of the certified return receipt bearing my name and signature. If Heights Finance can not produce the requested document mentioned on time, I am requesting immediate deletion, or I will not hesitate to start litigation to seek monetary damages for noncompliance and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: MOHELA
State: TX

Complaint narrative:
I would like a schedule of payments that shows remaining balance on the loans and an expected payoff date. When I went to studentaid.gov I noticed my loan information at MOHELA doesn't match the loan information at studentaid.gov. One shows 14 separate loans, the other shows 10 separate loans. MOHELA 's website is very difficult to navigate and the information looks suspect. Every time I have tried to get in contact with them through their website " contact us '' page, I get the following message : " MOHELA is currently closed and unable to respond to your email at this time. We offer several self-help tools and access to your account information 24/7 online. You can also visit StudentAid.gov for general information or log in for information regarding your account. '' The self-help tools are not helpful for my needs, and the studentaid.gov site just refers me back to MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I provided information supporting my dispute but it was not resolved : XXXX. On XX/XX/XXXX, I moved into the apartment # XXXX. At that time the name of the apartment was XXXX XXXX XXXX. The apartment changed the name to XXXX XXXX XXXX XXXX sometimes between XX/XX/XXXX and XX/XX/XXXX. 
XXXX. At the time of move in, I paid {$150.00} with cashier check as required by the apartment- as shown by " XXXX '' XXXX. I moved out on XX/XX/XXXX. " XXXX '' showed that I have always paid rent and other bills ahead of due date. 
4. " Final Account Statement XXXXpdf '' showed the final bill which I disputed with the XXXX XXXX XXXX XXXX ; but did not get any reply from them. These are the items from the bill that is dispute : XX/XX/XXXX Water Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Stormwater Admin XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Sewer Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Stormwater Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Cleaning Charges/ Fees regular housekeeping XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX : They should be refund some of the {$150.00} that I have deposited back in XX/XX/XXXX. 
Regards, 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