vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022, I went to ask at a BOA agency, XXXX XXXX XXXX, XXXX, FL XXXX, about a {$500.00} bonus promotion if I opened a checking account with them. I went and asked why I already had a savings account but not a checking account, and they told me that this promotion was valid for me. At that time the agent told me to open the checking account with even {$100.00} and then deposit the {$50000.00}. I gathered the money and on XX/XX/2022 I spoke with the agent and he told me to deposit it. I asked an agent at the same bank and he told me to deposit it wherever I want because it was the same to do it in the current or in the savings bank, the important thing was to have the money and not move it. I gave the check to the teller and they deposited the money in the savings account. I did not decide in which account I was going and I was calm. I waited 90 days and I went to the bank to ask about my {$500.00} bonus and they told me I had to wait another 60 days to deposit that money. Wait 60 days and nothing. Then I go to the bank and they tell me that I should call and make a complaint. I called on XX/XX/2022 and spoke with XXXX, she told me that she was going to make a written complaint and that she call today XX/XX/2022 to see the result of the complaint. Today I call and XXXX answers me saying that the claim has been denied since the clause of the contract says that they only give me the {$500.00} if I deposit the money in the checking account and that he can not do anything else, however, he told me that he was going to try to make a complaint again and expect a new response for the next week. I consider that to be a fraud. I am very upset because I went to the bank quite often and they told me that the account did not matter. Now they come to me with this story. I lost my money and now I don't know what to do. 
To make matters worse, BOA does not give me any claim number, but I have to tell the whole story every time someone attends 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 monetary relief
Consumer complaint received 2022-09-15 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: CA

Complaint narrative:
On XX/XX/2022, TransUnion did knowingly and unlawfully permit a negative item resulting from civil-rights violations to remain on my creditreport. Although my XX/XX/2022 complaint two-day investigation into and the process to disclose a complete factual background into the illegitimacy of the debt were too short to fully account for the creditor 's offenses, TransUnion rejected the notion that crime does not pay. Having previously seen XXXX validate similar misconduct -- keeping fraudulent items on my creditreport, as if accuracy could ever legalize a debt generated by a creditor 's wrongdoings -- TransUnion mistakes accuracy for legality, making the creditreporting agency complicit in the financial terrorism arising from violation of New Hampshire and federal law. That the debt could have been generated, in the firstplace, places XXXX XXXX XXXX  University at-fault for the debt. New Hampshire is negligent in the performance of its duties to its masters, the People of the State of New Hampshire.

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 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I had funds in my account with Santander Bank that exceeded my Rent Check amount that I wrote on XXXX, XXXX, 2022. I set a transfer on Monday XXXX, XXXX, 2022 from one of my Santander Accounts to the one the check was written for to make sure that account stayed over the amount of my check amount of {$1400.00} for rent. I made multiple deposits until the XXXX, and Suddenly that night Santander charged me {$35.00} insufficient funds fee, when my current and available balance was over {$1400.00} with the supervisor claiming " your XXXX XXXX XXXX purchase of {$28.00} caused this, you having enough for groceries and rent, Tech support cant figure out why you were charged an overdraft fee, and we apologize that your check was returned, and charged an addition {$35.00} for returned check fee. '' I was charged {$70.00} in 24hrs due to HIGHLY ILLEGAL TRANSACTION MANIPULATION to squeeze money out of only god knows how many other customers they do this to on a daily basis. XXXX XXXX XXXX I had more than enough money to cover all of my expenses, had I never banked here and did transactions in cash, simply because I wanted the convenience of online banking I was made victim to shameless transaction manipulation of my checking account to charge me fees illegally, the company going as far to say, when you transferred money from one account to the other, " You must have selected the XXXX for the transfer date. '' I do these account to account transfers all the time, and never have I " accidently '' changed the transaction date. They are either reading from a script to maintain a quota of " Fee Collection '' and trying to keep customers quite or trying to keep their job from nefarious business practice initiated from higher ups. 
***For the record*** I maintained a positive balance each day until the transaction manipulation took place, and suddenly my {$1400.00} transfer from one account to the account the check was written for *disappeared* according to tech support.

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 2022-09-15 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: FL

Complaint narrative:
I have contacted this company and their affiliates multiple times via Priority US Mail delivery with confirmation to dispute the debt and to inform them to cease and desist contact with me. They persist. They do not care or fear the rules of the FCRA. 

First contact date ( this year ) - XX/XX/2022 ; Dispute mailed via USPS Priority mail Second contact date - XX/XX/2022 from affiliate ; Dispute mailed via USPS Priority mail Third contact date - XX/XX/2022 ; Dispute mailed via USPS Priority mail Fourth contact date XX/XX/2022 ; Complaint filed with CFPB This company has contacted me in prior years at other addresses as well, which I have a record of. I responded and disputed their claims then as well. 

The company will send me a collection letter, I'll dispute it, provide my Federal Identity Theft Report, denial of ownership of debit, other information, and/or cease and desist response ; then they will respond with an unrequested " validation of debt '' and persist to contact me. Rotating the account from affiliate to affiliate.

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 2022-09-15 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: U.S. BANCORP
State: IL

Complaint narrative:
In XXXX I called US Bank ( the mortgage holder ) to obtain the amount needed to pay off the loan. They provided me the amount and I submitted a payment for that amount. They stated it would take 10 business days to complete the transaction. When I called two weeks later they said that they had not processed the payment and it was sent back due to it being partial and not reflecting the full loan payoff amount. I let them know that I paid the amount I was given AND asked why they wouldnt accept that amount toward the loan and allow me to pay the remainder? They could not answer that. I then cancelled and submitted the payment again ( with the new payoff amount they provided ). Because of this the second payoff attempt, that US bank accepted, was finalized in XXXX. US Bank has reported the XXXX payment as delinquent despite their decision to reject/ not process the first payoff made in XXXX. I have never had a delinquent payment on this account, for the 2+ years Ive had this loan. The only reason the payment was not made in XXXX was because US Bank elected not to accept the payment, which they did not notify me of until I called to inquire. Additionally Ive spoken to US Bank representatives that they themselves did not know partial payments would be sent back. Ive had no luck with getting anywhere with US Bank but do not believe this should be reported as a delinquent payment since had US Bank not rejected a funded payment in XXXX, this would not have been the case.

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 2022-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
i paid this item via 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 2022-09-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Account name and number : Dept of educationXXXX / Acct # XXXX 1st Amount : {$3600.00} / 2nd Amount : {$1600.00} / 3rd Amount : {$3100.00} / 4th Amount : {$6600.00} 1. Date Opened : XX/XX/XXXX / 2. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XX/XX/XXXX Agency name and Account number : XXXX XXXX XXXX / Acct # XXXX Amount : {$120.00} Date Opened : XX/XX/XXXX Agency name and Account number : XXXX XXXX Acct # XXXX Amount : {$390.00} Date Opened : XX/XX/XXXX In accordance with the Fair credit reporting act XXXX  Account # XXXX, Account # XXXX, and Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A section
2 : It also states that a consumer reporting agency can not furnish an account without my written instructions

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 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX Today, I open up a letter from Wells Fargo alerting me that all five of my accounts will be closed on XX/XX/XXXX. 

I have banked with Wells Fargo for over 17 years. I have plenty of money in the bank and haven't overdrawn on any of the accounts. When I called this morning and spoke with " XXXX '' in the executive office, she said that she could not give me an explanation and that this was a " business decision '' by Wells Fargo. 

It is not right and it is unfair to close an account much less all five without giving reason. As far as I am concerned, this is no good reason. I am an upstanding U.S. citizen and give thousands of dollars each year to the church! This is a travesty of justice! 

I am requesting that an investigation take place regarding Wells Fargo Bank in regards to my accounts and their banking polices in general. I am also requesting that all five accounts not be closed but remain open and in good standing.

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 2022-09-15 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
company reporting a closed charge off account without my permission my car was returned due to a engine fire recall and they did not delete the account from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
On XX/XX/2022, a check from XXXX XXXX  XXXX XXXX XXXX, XXXX WY, XXXX, was cut to all 3 account owners payable to all three owners at the close of this account with XXXX XXXX, in the amount of {$62000.00}. On XX/XX/2022, Chase Bank, XXXX XXXX XXXX XXXX, XXXX WY, XXXX deposited said check without a single endorsement, just stamped " Credited to account of within named payee for deposit only ''. The account that the money was deposited only belongs to one of the payees. All Payees ' were to endorse this check for deposit. 
Once learning of this deposit, I first called XXXX XXXX  and asked for an explanation. They provided me with a copy of the cleared check and explained that I would need to contact Chase Bank for resolution. I then called Chase Bank in XXXX WY and spoke with the Branch Manager. She said this check should of never been deposited without all three signatures and offered her apologies. I have followed up with her on several occasions and all I get is that this is out of her hands and that their home office is handling the resolution of this, however, there has not been any resolution. 

On XX/XX/2022 XXXX asked me to come into the branch and sign an affidavit for improper endorsement, which was then sent to Chase Bank. XXXX received and email from Chase Bank notifying of receipt of the affidavit. 
On XX/XX/2022 I received a call from the complaint installation group for Chase, He said there was nothing he could do to help and he would transfer me to the Fraud Complaint Department. I then spoke with that department, he too said he could not help me because I am not on the account in question. I agreed and said in there lies the problem. He stated to me that the only way to resolve this was for the Chase customer who made the deposit to contact him. 
I then spoke with the Wyoming XXXX XXXX for XXXX. He assured me there isn't anything that XXXX can do to resolve this issue. He stated we filed the affidavit as to protocol, and it is up to Chase to fix this because Chase was the bank of deposit which makes them liable for not having proper signage or endorsement. 
I have also opened a case with the XXXX Police Department, but they suggested we try work with the bank first to get resolution, which isn't going anywhere. 
On XXXX XXXX, XXXX  I called Chase Bank Headquarters in New York, Explained the situation and she advised that if the Branch Manager isn't doing everything to resolve the issue then I should proceed with a complaint with Consumer Financial Protection Bureau. 
The only resolution to this is to have the check re-issued and all endorsements made prior to deposit. Then, said check should then be mailed to myself and the other owner, not the owner and his guardian who has already knowingly deposited funds without proper signage. 
***All names, contact info, address available if you need them, I did not add all this info as per the instructions above***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX  XXXX, GA XXXX the following is a statement regard the restriction of two of my PayPal accounts On XX/XX/2022 I received an e-mail from PayPal stating that I will no longer be able to use my account because it was permanently restricted for 180 days. I received another e-mail on XX/XX/2022 regarding the same 180 restriction on my other PayPal account. I have spoken to several customer service agents and supervisors regarding this matter and no one has been able to able to give me an explaination why my two accounts have been permanently restricted. I have not acted in bad faith or in an illegal manner. Two of the Supervisors I have spoke with have found nothing suspicious with my accounts, and one of them filed an appeal at my request. A representative from PayPal contacted me via phone to tend to the situation, but they had no answers for me and told me there's nothing they can do about the situation. When I gave them the reference number pertaining to my appeal I was told the appeal number is not on file and nothing regarding the matter can be found. I was told that I will have to wait the full 180 days before they will take action and a resolution can be reached. I use those both PayPal accounts because I am not able to use regular bank accounts. The money in those accounts are all the money I have. I do not seek to use PayPal once I get the restrictions lifted from both of the accounts. I only wish to get my money back and use the banking services of another company. This is beyond frustrating and more than an inconvenience. My livelihood runs through PayPal and I am unable to function without the use of the accounts they have restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
my previous landlord ( XXXX at XXXX XXXX ) accused me of damaging the kitchen sink counter, which was damaged before i moved in, they kept my {$600.00} Dollars deposit and and on the top of that they asked {$350.00} dollars, i refuse to pay the {$350.00} dollars, XXXX at XXXX XXXX reported this debt all the credit bureau, i disputed the negative item with experian credit bureau but they never removed it, i contacted the collection agency regarding the issue but they never helped me, the collection agency 's name and address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX phone : 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 2022-09-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX I called XXXX XXXX  ( the mortgage holder ) to obtain the amount needed to pay off the loan. They provided me the amount and I submitted a payment for that amount. They stated it would take 10 business days to complete the transaction. When I called two weeks later they said that they had not processed the payment and it was sent back due to it being partial and not reflecting the full loan payoff amount. I let them know that I paid the amount I was given AND asked why they wouldnt accept that amount toward the loan and allow me to pay the remainder? They could not answer that. I then cancelled and submitted the payment again ( with the new payoff amount they provided ). Because of this the second payoff attempt, that XXXX XXXX  accepted, was finalized in XXXX. XXXX XXXX  has reported the XXXX payment as delinquent despite their decision to reject/ not process the first payoff made in XXXX. I have never had a delinquent payment on this account, for the 2+ years Ive had this loan. The only reason the payment was not made in XXXX was because XXXX XXXX  elected not to accept the payment, which they did not notify me of until I called to inquire. Additionally Ive spoken to XXXX XXXX  representatives that they themselves did not know partial payments would be sent back. Ive had no luck with getting anywhere with XXXX XXXX  but do not believe this should be reported as a delinquent payment since had XXXX XXXX  not rejected a funded payment in XXXX, this would not have been the case.

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 2022-09-15 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2022, my TD credit card was hacked. Someone made a fraudulent transaction for {$2300.00} to XXXX XXXX. I notified TD bank and filed a dispute for this charge. 

On XX/XX/2022, I received a credit on my new TD credit card for {$2300.00}. It was then reapplied saying that I affirmed the transaction. I have written and called TD bank several times with no resolution. I did not make this transaction. 

Fraud Hotline # XXXX My case number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15 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: AL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by USC 1681. And they violated my rights under numerous times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts

Company response to consumer: Closed with explanation