vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WAFD BANK
State: OR

Complaint narrative:
The financial institution is XXXX. 
In XX/XX/2021, the institution decided to no longer provide printed bank statements on accounts, deferring to online statements only. No notification of this change was provided to their customers, at least in a way that was completely transparent. A footnote on the back side of a statement is not reasonable, nor allowing a customer to know they need to take action to change this from being the way the account is being handled. 

At the same time, whether new policy or not, this institution has a policy of charging an " inactivity fee '' of {$5.00} if said account has not had a customer initiated transaction in 6 months. This policy is also not advertised openly. 

So, without any kind of notification to the account holder, this financial institution can drain an account for " inactivity '' effectively seizing the account holder 's funds at a rate of {$60.00} per annum. 

This needs to be resolved by instituting policy that either : 1. Requires a financial institution to treat " inactivity charges '' on an account as " activity '' that then requires the institution to send a printed statement to the account holder, and if there is a " inactivity period '' timer that is being used, the activity of taking an inactivity charge needs to restart that timer.

2. Prevent financial institutions from instituting " inactivity charges '' on accounts entirely.

3. If an account holder elects to have printed hardcopy statements delivered by US mail, that institution can not change that setting on the account without explicitly getting the account holder 's written approval.

This is an exploitive financial institution policy because : 1. This is very likely to most effect elderly citizens as they are less internet savy and may have accounts that they are holding ( like savings accounts ) which they use infrequently to keep their savings.

2. This policy is effecting other customers, such as non-profit XXXX educational institutions which have been prevented from having activity due to the pandemic requiring them to be shut down for externded periods. 
3. Taking fees ( transactions ) from an account without treating those transactions as " activity '' is deceptive and underhanded banking practice.

Simply put, the point of having a banking institution have your bank account is to keep your money " safe ''. If the financial institution is able to take your money without notification and persist on doing so on a monthly basis is not safe for the financial institution consumer.

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 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I received a letter on the XXXX of XXXX stating that my account TD Retail Card account number XXXX was past due., I called customer service to advise them that the account was set for auto payment. Unknown to me, when I paid off the previous balance and made a new purchase, I was supposed to re-setup auto payment. I don't care too much about getting a refund on the two amounts I listed on the form, my foremost concern is a late payment on my credit report and the effect it will have on my ability to purchase a house, with I'm in the process now. I need your help in removing this late charge. Their statement states that you can set up a one-time or recurring payment, but there is nothing about doing it every time you pay off the account. 

Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I tried to make a wig purchase on XXXX website which uses Pay Pal to collect payments. My transaction was declined on 3 different sites who all use paypal to collect the funds. I called Paypal and was told I had to use another form of payment. I have never had any fraud issue with paypal or any of my cards. I did have one issue where I contacted the credit card company for a dispute with a merchant who also used paypal. So I believe paypal is trying to force me to use a debit card where once your money is taken if there is a dispute the bank will do nothing but tell you that you gave them the debit card number. I believe they will not let me use any credit cards because if there is a dispute the credit card company will snatch the money back until the issue is resolved. Paypal accepts credit cards it says it on their site. So I should not have to use a debit card and they continue to keep rejecting my brand new credit card. Not only that I was just ripped off by a paypal vendor using my bank card. PayPal did absolutely nothing and I sent them all the details and facts I never received my money back from the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus name is Experian The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The customer service department did not help remove the negative inquiries that are reporting on your 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 2022-03-15 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: DISCOVER BANK
State: FL

Complaint narrative:
Pursuant to 15 U.S. Code 1666b - Timing of payments Discover Bank you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I opened a Credit Builder Plus loan with money lion in 2021 for {$500.00}. It has been a nightmare. I had tried to pay off the loan to close the account ( which charges a fee ) and the app would not work. I called, and they said I couldnt close the account due to a balance and they gave me an incorrect balance, stating I missed payments. It should not take over a year to pay off a {$500.00} loan, and their loan payoff practices are extremely shady. 

In addition to the above, they have an XXXX feature. I used the feature a couple times, and then it got hacked. I attempted to contact their fraud department, and they just sent me a form to email back ( XX/XX/2021 ) .They denied my claim, and I had to close my checking account that Ive had for over a decade to prevent further money being taken from my account to repay those instacash advance payments.

Now, Im again trying to close this account. Ive already reported it to the credit bureaus. They are not letting me close it because I have an XXXX balance from the fraudulent activity ( which I am not willing to pay ). 

Ticket/support reference IDs : XXXX and XXXX for all relevant information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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:
transunion file # XXXX On XX/XX/XXXX i sent my first request for investigation letter it was delivered XX/XX/XXXX. Transunion then responded that the accounts were verified. I then responded XX/XX/XXXX requesting for Transunion method of verification. Transunion then responded again that the accounts were verified without providing me with their method of verification. I sent another letter XX/XX/XXXX after receiving from Transunion again that the accounts showing them that the accounts were not properly verified due to all the inaccuracies. Transunion again sent a letter saying that it is still verified with no changes and still not provided their method of verification. I sent another letter disputing these error again showing how it is inaccurate XX/XX/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
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had an account with XXXX XXXX Bank. In XXXX of XXXX I was late for a payment. At that time XXXX XXXX Bank reported the delinquency to the credit reporting agency. In XXXX of XXXX this same bank sold my account to another bank and no longer existed. In XXXX of XXXX Experian reported that this company reported me 30 days late. This company XXXX XXXX XXXX Bank ) no longer existed so this information was false, this company did not make that report it was reported 5 years earlier.

I made a complaint to Experian and they did show the company closed and transferred the account to another company but never put the points back on my credit score.
This type reporting is unfair and damaging when the late payment was already reported 5 years earlier, reducing my credit score at that time and should not be used to reduce my score repeatedly. 

Experian constantly pulls something out of their hat to cause my score to decline but never shows anything positive no matter what accomplishments are made, not to mention their use of XXXX, which is nothing but a false statement that does nothing to help customers scores.

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 2022-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
XX/XX/2021 I received a letter stating I owed {$10000.00} as a cosigner on a XXXX loan for my son XXXX XXXX. He surrendered the vehicle without my knowledge or approval. In fact they claimed I was the sole owner and signer on the loan. If that were true nobody but me should have been able to surrender the vehicle. The amount they ended up reselling for was {$15000.00} less than the amount paid off and the blue book value of the vehicle. I was never given the opportunity to take over the payments and sell at a profit other than the exaggerated loss they claim. I started paying XXXX} per month to keep this issue out of collections while I contacted the federal agencies and now your agency. This is complete fraud on the part of my son and Bank of the West. They have so far refused to return the XXXX to me or remove me from obligation. I could easily sold it as a take over payments and even collected a cash amount over and above the amount they claim to have sold it for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have hard copies of paperwork to support the following. Bank of America still owes me {$100.00} and interest. The money has seemed to disappear but there is a paper trail. The checking account money has not been gaining any interest since XX/XX/XXXX because BOA placed a stop payment on check # XXXX from my Joint Checking Account owned by XXXX XXXX XXXX & XXXX XXXX XXXX Checking Account # XXXX XXXX XXXX. I believe they are mixing the joint checking funds with XXXX XXXX Funds Account # XXXX Estate of XXXX XXXX Here are the facts : There are no Bank of America branches open within driving distance of my address XXXX XXXX XXXX XXXXXXXX XXXX 

I had a joint Checking account with XXXX XXXX XXXX # XXXX XXXX XXXX With {$100.00}. 

My partner died on XX/XX/XXXX. On XX/XX/XXXX, I called and asked to close the account and send me the money. I still live at the same address as on the account. I received a check # XXXX in the mail with both XXXX XXXX XXXX 's name and my own. I was unable to deposit or cash the check. I received paperwork from the XXXX Department so I sent them the check back and requested them in writing to issue me one in only my name. After 3 calls to them, I learned they copied the check and placed it in XXXX XXXX File. XXXX. 

BOA also placed a stop payment on the check. I asked them in writing and over the phone to send me a new check with only my name ; XXXX XXXX XXXX it was a XXXX Account after all, so either one of us could rightfully withdraw the funds and cash the check. But a check with two names must have two endorsements to be cashed and XXXX was XXXX. I told the customer service people that my address is the same as listed on the account. To date I have not received a second check with my money. I have made numerous calls only to wait needless hours being switched back and forth between the checking account department, the XXXX Department. and the Official check 's Department. no one seems to take ownership of my problem and get it resolved. On my last call to BOA, The Checking account department customer service agent actually told me they could not issue a check from a closed account with a XXXX balance. So now my money is lost? 

Please help me. 

XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my XXXX the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.t report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

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 2022-03-15 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: The CMI Group, Inc.
State: NV

Complaint narrative:
This account was identified on my credit. I agreed to pay the balance in full for the company to remove/delete the item from all credit bureaus. I was advised once the payment was made in full, I could go online and request the deletion after 30 days. I followed the process and the company has not removed the account from the credit bureaus XXXX and XXXX. The calls are recorded and should be referenced. I also have the letter that was mailed advising my account would be updated and removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXX I applied and was approved for a Mortgage Modification with Wells Fargo ( loan # XXXX, FHA case # XXXX XXXX ), a notary came to my house on XX/XX/XXXX and I signed all documentation with her and I expected my first payment to be ACH deducted on XX/XX/XXXX. After XXXX the money was not deducted from my account and I received a letter from XXXXXXXX XXXX stating that my loan had been sold to them and I owed all of the arears payment in full. I explained I had completed a mortgage modification with Wells Fargo and XXXX stated that they would be contacting Wells Fargo to get a signed copy of the modification. According to XXXX, Wells Fargo has not been responsive and now XXXXXXXX XXXX  has began foreclosure proceedings against me. I have tried to contact Wells Fargo multiple times with no help or response. I do want to lose my home and I was advised by HUD to verify that Wells Fargo filed the modification with HUD and to get help with this. I have a scheduled hearing date on XX/XX/XXXX. I have been working with a housing counselor to resolve this.

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 2022-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
Last year in the middle of XXXX my mortgage was sold to BSI Financial Services. At that time I was under a XXXX XXXX. In XX/XX/XXXX, the plan was extended for an additional 6 months. I was told at the time of the extension that I would need to apply for a home modification in XX/XX/XXXX, because it can be a lengthy process and in order to ensure that the loan did not show negatively on my credit report if I was unable to pay all of the rescheduled payments. Unfortunately for me, that was the last successful conversation that I have experienced regarding my Mortgage Loan. I started calling XX/XX/XXXX to initiate the start of my Home Modification paperwork ( Repayment Plan ). I left several messages between that time and XX/XX/XXXX on the voicemail of XXXX XXXX. This is unusual, because XXXX XXXX always seemed to return my calls in a descent amount of time, if not the same day. Eventually, I started to call in XXXX and requested to speak with someone else, because I was repeatedly told that XXXX XXXX was not available. I would get transferred every time to a different area or another number for the Loss Mitigation department. I have called nearly every week and sometimes a few times in those weeks. I continued to receive communication by mail stating that I was behind on my payments and that a payment would be due soon. I made my first payment in XXXX even without communication from the Loss and Mitigation department. As of today, XX/XX/XXXX that check has still not been cashed. For my XXXX payment I made a payment over the phone and it has been taken out of my account. Most recently, I received a letter in the mail stating that if I do not make the full payment in XX/XX/XXXX that my house would go into Foreclosure. I still have not spoken to anyone. About XXXX weeks ago, I spoke to XXXX XXXX. He stated that the person that was listed as my new contact person was unavailable and that he would email me and mail me a copy of the home modification application. The email that was sent did not work. The " Click Here '' link was a deadline link and would not allow me to move forward. Last week I received to copies of the application in the mail, along with the letter regarding a possible foreclosure. Since then, I have mailed the completed paperwork and necessary documentation for the process on yesterday, XX/XX/XXXX with a request to deliver with a signature and return receipt. This company has not been helpful nor easy to work with. I am not trying to lose my home or avoid payment. However, it is hard to continue a healthy relationship with a company who does not communicate with you or assist you with doing so. My mortgage has been sold several times since my initial purchase nearly 5 years ago, but this is by far the worse experience of all of those sales, Please help me with getting to a healthy resolution for myself and my family.

Company response to consumer: Closed with explanation