vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
My car has been paid off since 2017. I'm in the process of selling it, when I noticed that KIA still is on the registration. I have contacted them numerous times about sending me a title release, and I get excuses that the fax machine is down, etc. I get told that it takes XXXX days to have this faxed to me.This has been ongoing for XXXX weeks now. I have escalated to talking to two supervisors. I call everyday, as I need the release to sell my car. This is costing me a deal if I can not get the title release in time. I am selling my car because they did not honor the warranty after saying they would. Instead, they offered me a " killer deal '' on a new car. I really liked my car and had no plans to sell it, but now I have to look for a new vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have not had a XXXX account. I opened no accounts nor authorized one to be opened. There were no payments made on this account which reaffirm my suspicion that it was opened for the phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/ I visited an XXXX XXXXXXXX XXXX to get an examination done. After showing documentation of what I needed and confirmation that they would be able to provide the service, they failed to provide the service correctly and gave me incorrect paperwork. I needed this paperwork for a potential job which denied the form because it was incorrect. This forced me to visit a different XXXX XXXX XXXX on XX/XX/2023. I showed the doctor at this location what I was given and he confirmed that what I was given on XX/XX/2023 was nothing and no actual test was done. Essentially I gave my money to XXXX XXXX number one for no reason as they were not able to give me the paperwork I needed. 

I gave this information to bank of america and they denied my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
This is related to your announcement last week with Bank of America. I had a fake account opened which was discovered during my California divorce from XXXX to XXXX. 
During the divorce this unknown card and account by me went off to receivership with a company called XXXX. My divorce was a painful one in which my health suffered a great deal. After the press release last week on the BoA harming consumers -- > I am one of them! 

I have read many articles and it appears that the restitution process will be posted on your website? Is that correct?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I specifically signed up for a AAA Comenity Visa Travel Advantage Card during a valid promotion for a {$100.00} bonus credit after spending {$1000.00} in the first 90 days, which I successfully completed a while ago. Never got my credit, called and a woman told me it would be issued on XX/XX/XXXX. I now got a letter in the mail from Comenity denying I am valid for any promotions. I want my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America fraud settlement I was one of the fraud victims

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My problem begins with Chime bank this past XX/XX/, 2023 when I received an email from this bank telling me my account was putting on hold because I received a fraud deposit. I was very confused because my only 2 more recently deposit was my work direct deposit and my irs refund check, which I deposit tru the chime app at XX/XX/, 2023. I answer the email and asked what is the issue? After that the nightmare begins. I send every document the inquiry and I call with no clear answer. They just said they cant verify that documents. And they tell me they are not going to give me access to my account or give me my money back. Until this time no answer and I have no money or account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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: Winklevoss Exchange LLC
State: MD

Complaint narrative:
I tried opening my account with the same username and password that I have always have, but it gave me an incorrect password notification. When I went to reset my password with the email address on file XXXX, it never sent a recovery email. So I am unable to login to my account and the password recovery is not working. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of america illegally opened an account in my name. I was a victim of identity theft from a large scale corporation. There was no way the account could have been opened other than the bank because none of the proper email authorizations were made by 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 non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Western Union refuses me to transfer my money from my debit account to myself in person. They refuse to give me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Following are the case id XXXX XXXX while checking paypal said this case was resolve in my favour but upon checking i did not receive any refund yet and paypal is charging me {$3500.00} and stated that this is a duplicate credit but fact is that i did not receive single credit yet. Instead of charging it to scammers paypal charging me wrong debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To whomever it may concern, The excessive junk fees charged to my AMEX cards for an account that is : ( 1 ) in good standing and never missed a payment/had late payment.

( 2 ) only had payments returned because of negligence on the part of XXXX Bank. 

I had several issues with my XXXX debit account this year, which led me to sending a message to XXXX inquiring about potentially closing the account. They responded saying they were closing the account once it hit XXXX balance. In fact, the messaging from XXXX bank said : " The account will close when there are no pending transactions and there is a XXXX balance. If your account has a positive balance, we'll mail you a check for the remaining funds XXXX business days after the account is closed unless you transfer those funds to another account. '' Because this account is a secondary account in which I do not keep much money, I decided to just spend the remaining money on payments towards my credit cards and transfer the remaining money to one of my XXXX XXXX accounts. XXXX Bank then proceeded to deny my transfers to XXXX XXXX in addition to denying my credit card payments, despite there being more than enough money in the account to cover the costs. 

Although American Express is not liability for XXXX Bank 's administrative errors, AMEX is liable for continuously charging inordinate fees for issues that are well beyond consumer control. They did something similar to me last year when XXXX XXXX had to change my account number due to fraud. Not only does AMEX charge a fee for such an error, they charge THREE FEES for a single payment, amounting to three {$29.00} charges ( {$87.00} ). This is essentially an {$87.00} charge per mistake of another banking institution. This is clearly predatory behavior, and likely illegal under consumer protection laws. 

I am currently in XXXX, but before I left the country, I called AMEX on three separate occasions, wasting over an hour of my time on hold for them to say they will " escalate my concern, '' only to do absolutely nothing to address the inordinate fees charged to an account of a responsible customer that has never had a late payment on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC has violated my Consumer rights by illegally attaining my Nonpublic personal information and has furnished my Nonpublic personal information with third party affiliates with is a violation of 15 USC 6802... .Furthermore, this company does not have consent to use my Nonpublic personal information which is Identify Theft, I never signed any contract or have any agreements with LVNV Funding. LVNV does not have the right to furnish a debt with Consumer reporting agencies...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
Good Morning, I am XXXX XXXX XXXX, i put {$5000.00} in escrow to buy a first time buyer house. I signed the contract but my daughter wanted to sign for me, asking for more question before signing. The loan agent XXXX XXXXXXXX XXXX Senior Mortgage Loan XXXX at PRMG, XXXX XXXX XXXX, XXXX, did not want to clarify the question for my daughter. he decided to give us a denial letter instead. i agreed on that. 
We were under contract to purchase [ XXXX XXXX XXXX XXXX XXXX, FL XXXX ]. Our inspection window ended XX/XX/XXXX. Our finance period is scheduled to end XX/XX/XXXX. However, we decided not to proceed with the purchase on XX/XX/XXXX. The release and cancellation form was provided to the sellers on XX/XX/XXXX. Since we are requesting to cancel the purchase of the home during the finance period, Seller is asking for a denial letter for the loan. 

He never provide proof or denial letter that this file has been canceled so we can obtain the seller signature on the release and cancellation. the realtor has attached a copy of the release that was signed and sent to the seller. In order for the title team to release our escrow deposit of {$5000.00} we need a signature from the seller. Let 's work together to obtain proof this file is canceled so we can obtain the seller signature. 
i sent him a message everyday from XX/XX/XXXX2023. he texted me by email to tell me he sent the denial letter to me. I received all the emails he sent except the denial letter. i feel betrayed. i need your help to have my money back, please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NM

Complaint narrative:
I have continued to make uninterrupted payments since 2015, even through the pandemic deferment. My balances never go down and even continue to accrue interest. I've called about this and have just been sent applications ( x 2 ) that never go anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Albert Corporation
State: OH

Complaint narrative:
I opened a smart savings account with the Albert app recently, it saves small amounts based on your usage, etc. The second through fourth day I was with the app it withdrew {$150.00} from my checking account. I have tried multiple times to transfer the funds back but theyve been held in limbo. It has now been 5 business days and Ive contacted the company to see if they could help. My account is now overdrawn. The company was no help and said the funds can be transferred when theyre available basically. Today is Saturday, XXXX XXXX and I still can not transfer my funds back to my account. I will incur multiple overdraft fees. Thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Gotmortgage.com
State: FL

Complaint narrative:
In XXXX of XXXX, we entered into a construction loan agreement with XXXX, utilizing one of their approved builders for the construction of our home. The loan contract explicitly stipulated that the builder was responsible for obtaining permits within 45 days from the commencement of the first loan draw. Despite this provision, XXXX XXXX failed to secure the necessary permits within the specified timeframe. 

We made multiple attempts to address this issue by reaching out to XXXX, specifically contacting our loan XXXX XXXX XXXX, who provided reassurances on several occasions that there was no cause for concern. However, as months passed, our concerns grew, and we continued to communicate our apprehensions to XXXX through XXXX XXXX and XXXX XXXX. 

Regrettably, in XXXX of XXXX, XXXX contacted us, through XXXX XXXX, expressing their intention to recall our loan due to the absence of progress in the construction process. Furthermore, they refused to extend the loan, leaving us with the option to find alternative builders and refinance the amount of {$150000.00}, which they claimed we owed, despite the fact that we have no house and they pay a balance of approximately XXXX XXXX dollars for the lot. 

We diligently proceeded to identify a new builder and promptly submitted all the necessary documentation requested by XXXX to initiate the refinancing process. Despite their repeated assurances that the refinancing could be achieved, we informed them that XXXX other banks had already indicated that such a refinancing arrangement was not feasible due to our debt-to-income ratio. Remarkably, XXXX has set a foreclosure procedure commencement date of XX/XX/XXXX on our property. We have consistently requested an extension of this deadline, affording us the opportunity to sell our property. Unfortunately, our appeals for an extension have been denied without any explanation provided. 

As a direct result of these inexcusable delays and XXXX 's handling of our case, we have experienced significant financial harm that will get worse when the foreclosure procedures start. 

I will gladly provide communications and contracts regarding our case at your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello, I am unsuccessfully trying to get updated on my accounts being closed. I called the number as recommended once I was locked out of my accounts, and was told they could not tell me why my accounts were closed I just had to wait for a letter and XXXX days to get my savings back! I am rightfully frustrated, and to top all of this off the agent hung up on me the first time I called! I then called the corporate number and could barley hear XXXX as she was giving me basically the same information except this time I received a reference number # XXXX. XXXX then gave me a number, and the name XXXX to speak to about my case, I called the number turns out it was the exact one I called this morning ( XXXX ) XXXX. I don't think it is unreasonable to know why my checking and savings accounts have been closed without notice, or to have my money returned to me without waiting XXXX months! Could someone please rectify this in a timely manner? I was originally locked out of my online account on or before XX/XX/2023 ; I called them XX/XX/XXXX, XXXX and emailed. The response to my email : Citi Reference Number : XXXX Hello XXXX, Thank you for contacting Citi. We received your correspondence. Please be assured that your communication is important to us and will receive a deliberate and thorough review. 

We appreciate your patience while we investigate this matter. If applicable, we anticipate having a response to you within XXXX calendar days. Should you have any questions or wish to provide further information regarding this matter, please feel free to call us at XXXX. * Our business hours are Monday Friday, XXXX XXXX XXXX XXXX., CT, with the exception of holidays. 

I do not want to use this financial institution any longer I just want my savings back. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was overcharged for banking fees during my acquaintance with Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Has called me XXXX times in the past 7 days, and has violated the XXXX calls in 7 days rule multiple weeks in a row

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my accounts with them and canceled my credit card which had {$1500.00} in bonuses on it. 

They would not give that money to me and denied me access to it. 

Basically. My account representative at Bank of America told me to go through 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 2023-07-16 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have no idea what kind of credit card XXXX XXXX XXXX  issues. My identity has been stolen, I lost my wallet a few years ago & made a police report due to my debit card being used and cell phones being applied for under my social security number. I also had not been contacted about this debt nor had any knowledge until I pulled my credit report. Apparently, the debt was sold to a third-party company that purchased charged-off accounts in bulk for pennies on a dollar in hopes of collecting a debt. I have not been contacted before being charged off nor sold to this company. I will speak with an attorney if this debt isn't removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The US Bank Home Mortgage  has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The following account US Bank Home Mortgage  # 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. 
I have politely asked US Bank to remove this account, this loan did not originate with US Bank, I did not agree on its reporting to consumer reporting agency.

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