vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Dear Sir/Madam : I received a promotion on my XXXX XXXX American Express regarding a free night certificate if I spent {$8000.00} on the credit card. I was required to enroll, which I thought that I had but apparently did not. I don't know how this would have been communicated to me, so I really would have no idea whether I enrolled. 

I called American Express and asked the status of my certificate. I charged a deposit and remaining payment for an XXXX, each in the amount of {$4100.00} ( or {$8200.00} ) which included a fee of {$230.00} I was required to pay the installer ( the original quite was {$7900.00}. I did so to receive the certificate. 

When I called today, I learned that I had not been enrolled. Furthermore, Amex refused to enroll me retroactively so that I could earn my certificate. I think I was baited into using the Amex card for this purpose, and incurred an extraordinary {$230.00} charge as a result. I probably earned XXXX certificates given my total activity during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: AL

Complaint narrative:
Someone has used my SSN to open a Target Store CC in my name and I want this removed its fraud. I am also waiting to hear back from all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: AL

Complaint narrative:
Someone has used my SSN to open a XXXX XXXX XXXX in my name and I want this removed its fraud. I am also waiting to hear back from all credit bureaus

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 2022-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
XXXXNotified by Mortgage Company that FEMA had rezoned my property to now require flood insurance XXXX by my Home Owners Association that they would provide Flood Insurance for the XXXX community . 
XXXX Twice had the XXXX  Insurance company fax the mortgage company proof of insurance. 
XX/XX/XXXX-Received a letter from the mortgage company indicating that the coverage was adequate. 
XXXXMortgage company sent me a letter indicating that the flood insurance did not cover my full loan balance and they needed proof of additional {$31000.00} in coverage. ( I did not open the letter because thinking I was compliant that it was just my mortgage monthly statement. 
XXXX 'm set up on auto pay and my mortgage company withdrew an additional {$230.00} to cover the {$30000.00} insurance policy difference. I was not informed that it would be withdrawn. I currently have regular home insurance and the flood insurance provided by the XXXX that the total per month for the XXXX is less than the monthly charge for the additional flood coverage they purchased. 
XX/XX/XXXX-Called mortgage company asking for something in writing that shows my exact coverage and next steps in removing the excessive additional charge ( letter never received ) XXXX Called issuing insurance company for the flood insurance purchased they informed me that the policy coverage of {$500000.00} per building ( XXXX ) was the maximum allowable by FEMA for an XXXX and that NO other lenders for those in my community covered by the policy were requesting additional coverage and that the policy was sufficient under FEMA guidelines. Called Mortgage company and asked for a supervisor. Was on hold for XXXX minutes and then heard the sup and the agent come on the line but apparently they couldn't hear me. The sup said she would call me back but no call. 
XX/XX/XXXX-Called again and asked for a sup and the agent said they would call me back in XXXX business days. No callback. 
XXXX Called mortgage company again and was again told that a sup would call me back in XXXX business days. No callback

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Defrauded by the seller after making an online asset purchase. After making the wire transfer of {$15000.00} via international wire transfer the seller disappeared and ceased communications. I suspect that the seller is living overseas despite leaving XXXX bank accounts and addresses. My bank JPMorgan Chase was not able to flag the transaction to this suspicious party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: TN

Complaint narrative:
I would like to dispute the errors listed below : While viewing my credit report I came across several errors on two different accounts. The first account error is Hunter Warfield, I am currently paying on the current balance of XXXX. On the account listed above both XXXX and XXXX have inaccurate /different total balances. They also both have different ( last reported ) dates as well as different ( last active ) dates. 

Secondly, the second account by the name of XXXX has both different ( last active dates ) listed under two credit bureaus. XXXX and XXXX both have different active dates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
TD Bank made it extremely difficult to use my rewards ( which was 35000 points last time I checked ). My phone number and email both changed, and because I was in a state with no TD branch, it was impossible for me to access my online account, despite calling in multiple times. Because of the lack of access to my account, I was also unable to receive notifications about my bill/pay my bill, leading to revocation of my card and points. 

Had I had access to my account, I would have utilized the points immediately. But TD 's burdensome process to get access to my account made it difficult/nearly impossible to utilize my points, ultimately leading to its forfeiture

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
Got about twenty calls over a two day period from an unmarked number. No messages left. on fourth day My wife received a call then my sisters ( two ) both have received numerous calls from unkown number. All three were left messages by a person named XXXX XXXX inquiring about me and a payday loan with advance america. I called the number he provided and asked him to please stop calling anyone other than myself regarding this matter. I told him I generally never pick up unknown numbers. I aksed for details, regarding the debt he stated I owed in writing. It has been over a week and my wife and sister have repeatdy been getting multiplecalls every day for the last week. With an aditinal XXXX from the caller. 
This is harrasing behavior and he is speaking to other parties ( in voicemails ) regarding this matter. He would have to have searhced for the additional information online as both my sister do not have public phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I had an XXXX XXXX  account and found it to be a terrible service so I cancelled it in XX/XX/2021. I kid these people the monthly fee for XXXX in the amount of {$29.00} and then another {$120.00} for a service call to use the service the last time which was taken on XX/XX/2021. I told them to no longer charge me as I am cancelling. They continued to try and take money out my account so I had my bank block them from doing so. Now Im getting a debt collection letter from another company stating I owe XXXX XXXX another {$88.00} which is completely false as I paid them in full my last month and no longer wanted their products. I called them many times and either never get an answer or I get the run around. Please dispute this as my credit is very important to me and I never have unpaid debts. This should be removed from my credit report and field as inaccurate and at this point fruadulant. 
Original account info XXXX XXXX XXXX : Phone XXXX ( XXXX ) XXXX Debt collector that now has the account : Nationwide credit inc : Amount {$88.00} Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OH

Complaint narrative:
On the XXXX of every month I have apparently been getting charged around 9 dollars by XXXX for some payment dealing with an XXXX. I checked online and apparently this happens to a lot of people I was told to ask for help here.

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 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
A well intentioned, poorly trained Fifth Third Bank representative tried and failed to setup automatic payment as promised, which caused the XX/XX/2018, late payment issue on a new account. The fault resides with Fifth Third Bank. Evidence of the bank representatives actions have been supplied. Once an alternative automatic payment approach was provided by representative to customer in XX/XX/2018, the customer did the setup, and all future payments were automatically on-time. There is still {$130.00} of late fees the bank has not refunded yet due to the banks actions and lack of actions as was promised by their local bank representative. Although a late payment happened, the funds and automatic payment method were available to the bank representative well in advance of payment due date. 

XXXX, XXXX, and XXXX disputes were logged, but not resolved because FifthThird Bank has not addressed correcting that the XX/XX/2018 late payment was due to FifthThird Bank. This action by FifthThird has cost several tens of thousands of dollars, maybe hundreds of thousands of dollars, of declined credit. This is the only late payment on 6 years of credit history. 

FifthThird Bank advertises great customer service. The public and I expect better. I appreciate the CFPB 's help righting this 2018 situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Beginning late spring/early summer 2021 I began receiving collection notices from Resurgent Capital Services XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX Resurgent is a collection agency. I did not recognize the account on which Resurgent was collecting so I wrote to them asking for documents supporting their claim. Resurgent responded by sending two account statements, both showing zero payments. Resurgent sent neither a Cardholder Agreement nor any other document establishing me as being legally responsible for the account. Since Resurgent can not collect on an account for which it can not provide legal proof I again asked ( twice ) for these materials ; I even wrote to their CEO, XXXX XXXX. Resurgent never sent me anything other than the two account statements I have described. Bottom line, Resurgent has never provided anything to support its claim, but continues pursuing collection activities against me. Resurgent has even reported me to the XXXX credit reporting agency, causing my credit score to drop nearly 40 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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

Complaint narrative:
Paypal permanently limited my account for no reason for 180 days today on XX/XX/2022.. i was not even notified for such actions.I am requesting paypal to restore my account inoder to withdraw my {$690.00} funds to us during this diffucult period of COVID.I am totally confused and harrassed for such acts. kindly help me secure my account and withdraw the funds as well. my paypal account email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: World Acceptance Corporation
State: GA

Complaint narrative:
A loan was taken out in my name in 2018 with world finance in California. I have never lived or visited California it is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2022, Application : XXXX was denied in violation of the The Equal Credit Opportunity Act ( ECOA ).

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 2022-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: GA

Complaint narrative:
Im currently XXXX  XXXX  military and informed carmax that I wished to utilize my XXXX benefit and terminate my auto loan and no longer be indebted to Carmax auto finance. Ive served them with a notice of termination and have to tried to get them to terminate my loan but they keep telling me thats its not possible and I can only voluntary surrender the vehicle and they auction the car and I pay the remaining balance which is not what I needed done. They dont want me to terminate my loan even though its a clear right stipulated by XXXX  law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: NY

Complaint narrative:
I would like to state that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumers. I the consumer never gave Transunion any written consent to report anything on my consumer report. No consent is identity theft. I have enclosed a Identity Theft report which states that account ending in XXXX are being illegally furnish on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow Transunion to furnish a report for me. I would like to state that pursuant to 15 usc 1681 ( a ) ( 2 ) that the banking system is dependent upon fair and accurate consumer reports. By Transunion allowing these inaccuracies to be furnish on my consumer report it has cause me to lose confidence in the banking system. If Transunion wants to continue doing business with me, they should delete these inaccurate account off my consumer 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 non-monetary relief
Consumer complaint received 2022-02-20 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: MI

Complaint narrative:
XXXX This is still on my complaint and I havent heard back its been several months. This is negatively impacting my 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 non-monetary relief
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I have a debt that is well beyond seven years of age. The CBE Group continues to contact me about this debt even though its well beyond seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: FL

Complaint narrative:
THE COMPANY, GRANT MERCANTILE AGENCY, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC1692 ( A ) ( 1 ) The term Bureau means the bureau of consumer financial protection, XXXX, XXXX, invoice, and XXXX are assumed to be credit bureaus and there is only one Bureau in that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency Are inconsistent with a declared policy of Congress In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and Every obligation here to four or here after and cured, shall be discharged upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. 15 US C1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
To Whom It May Concern, This incident is regarding unauthorized funds sent via a duplicate erroneous wire transfer without authorization by Ally Bank. 

On XX/XX/21, I, XXXX XXXX XXXX, authorized a one-time wire transfer in the amount of {$9200.00} to a bank account at XXXX XXXX  XXXX for Contractor Services . 
( Request # XXXX ) That wire was sent successfully. 

The next day, XX/XX/21, the same amount was sent ( {$9200.00} ) without my authorization. Immediately, I had called Ally Bank Customer Service and they said it was a 'technical error ', as both wire transfers had the same request number. Multiple supervisors had told me they never have seen this happen, but had made a request to recall the erroneous wire Ally bank had sent. 

Having no other option than to speak to a supervisor, I had to accept that this was the only action ( recall wire ) that could be done, even though it was the bank 's error that sent the duplicate wire without permission. A few days later, I decided to cancel the recall ( I was told Ally Bank couldn't get the account holder 's permission to recall ) and pursue legal avenues ( civil/criminal ) against the receiver of the erroneous funds to recoup the money. 

Regardless of the recall status, I strongly believe that the bank needs to accept responsibility and make right for essentially stealing {$9200.00} from my account. 

I have attached the wire transfer confirmations from Ally Bank that clearly show that it is the same request number for the authorized wire ( XX/XX/21 ), and then the erroneous wire ( XX/XX/21 ). 

All case notes for this is logged in XXXX XXXX. XXXX in Ally Bank.

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