vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
www.clover.com CLOVER XXXX XXXX XXXX XXXX XXXX XXXX  This company started holding my funds from XX/XX/XXXX - XX/XX/XXXX and decided to close my account on XX/XX/XXXX. Clover, then wrote a letter to our company stating that it would take 30-90 days for us to receive the funds for any potential chargebacks, which we understood and we were patient and waited the full 90 days and we still have not received our funds that were on hold by them in the amount of {$5800.00} US Dollars. Our company has tried multiple times to reach out and get this resolved and we have not received any response. Our small business is family-owned and we opened during the COVID-19 pandemic and have struggled to make ends meet during this time and for this XXXX XXXX  CLOVER to hold our funds for past the 90 days is very unfair and to not have any response by them is extremely frustrating. We hope we can get this resolved by your help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was inquiring about my car loan buyout options and asked the company what my options were before running my credit. They disregarded my request and ran my credit without any discussion beforehand. I believe this will affect my credit score, even though the sales manager stated that it will not. This happened on Friday XX/XX/27.

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 2022-05-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, U S DEPT OF ED, XXXXXXXX, XXXX  Account # XXXX, XXXX XXXX, XXXX, 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 2022-05-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXL Account # XXXX, XXXX XXXX, XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I'm paying XXXX every 2 weeks, and XXXX is all that is going to principle. XXXX  fees of XXXX out of the XXXX i pay bi-weekly is insane. I did not know it would be like this. I borrowed XXXX, and they are taking money every time i get paid to total XXXX. XXXX  fees account for 93 % of my payment. That is completely outrageous and should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: CO

Complaint narrative:
I was called over a year ago in XXXX of XXXX after a hospital visit XXXX months prior and was told I owed {$1100.00}. 
I called the hospital who the debt claimed to be from and they said that my payments were complete and that they had nothing on record saying I owed any money and it may be a scam. 
A year later in XX/XX/XXXX, I noticed negative marks on my credit score and managed to log into the collectors site. 
I never received any form of mail or email and no other phone calls. 
When I called them, I was told they did not send email verifications and that there was nothing to send in the mail since they had already done so many times. 
I was also told that the majority of the charges were because of late fees, etc. 
This debt is from another state and I have moved since then but never received any mail or other notifications since.

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 2022-05-27 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I have a XXXX American Express XXXX card. The advertising suggests that recipients receive a waiver of their annual XXXX spend if they spend $ XXXX or more on their card in a calendar year - indeed, this was the case when I opened my card first. However, I have not been receiving this benefit, and when I contacted XXXX they said that benefit had been removed, including from existing cardholders. They claim it happened in XXXX. However, XXXX was unable to provide evidence of a notification being sent out and was unable to identify when existing cardholders were notified of this arbitrary and capricious change. 

I spoke with XXXX today ( XX/XX/XXXX ), and they were unable/unwilling to provide any remediation or any details on when this decision was notified. They were only able to provide a copy of this article, supposedly posted on XXXX 's website in XXXX, where you can see in small letters a notification that this benefit was removed. I do not find this to be sufficient notification. 

XXXX XXXX XXXX XXXX XXXX marketing is also extremely deceptive, as their website strongly suggests that all XXXX AmEx cardholders receive this benefit. The lack of this benefit is not made easily viewable within XXXX 's promotional materials or information about different types of AmEx cards, so there is little way for cardholders to discover that they do not have this benefit. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-27 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
President - i opened a citibank checking and savings accounts they closed both. i still get account alerts to email address XXXX. they said they cant stop them. by law. pta do this now. signed president of the usa XXXX XXXX XX/XX/2022 XXXX est.

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 2022-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
In response to Borrowers XX/XX/2016 RESPA QWR, Shellpoint stated, As provided in Shellpoints previous response, you were extended a trial period payment that required you to remit three ( 3 ) payments of {$820.00} each. The trial payment consists of principal and interest of {$460.00} and an escrow deposit of {$350.00}. The principal and interest portion of the trial payment is based on a projected modified interest-bearing principal balance of {$110000.00}, an interest rate of $ 3.750 %, and an amortization term of 480 months. Note that the total new principal balance under the modification is projected to be {$160000.00}, and {$49000.00} of that balance would be deferred. The deferred balance is non-interest bearing, and you would not make payments on the deferred balance ; however, the deferred balance will become due and payable in full once the loan matures. 

Shellpoint XXXX informed Borrower that permission for the loan modification with deferred balance would need to be obtained from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-27 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: GA

Complaint narrative:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-27 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: GA

Complaint narrative:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXXbank of america edd card. 
Bank of America intentionally requiring you to come into the bank multiple times to verify your identity. 

Only to hold your money and to make interest from it! while at the same time closing banks, and requiring appointments. 


I have had to go into the bank multiple times giving the exact same information, which they already have on file! 

This fraud! This is consumer fraud!

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 2022-05-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
the Flagstar Bank re did the Mortgage because of Hardship of XXXX loss of income and add 15 years or more to my mortgage the years was 25 left on the mortgage the note stay the same the interest percent when down from 4.5 to a 3.1 all is great by it was not to add all theses years on i call and just got i sign the papers

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 2022-05-27 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
There is an account with Barclay Bank of Delaware that was open in my name without my permission. I have tried to resolve the account with the creditor directly but has not had a fair resolution

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 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I contacted the company to ask why interest is still being accrued on a credit card account that was closed and sent to their collections department. 

I was told because a balance was still with their credit card. The manager told me they sent a letter to me but confirmed that it was the wrong address. I called them to change my address before the account was even closed, so I am not sure why the letter was sent to the wrong address. 

She couldn't give me specifics on collections protocol so she instead she transferred me to the collections department. The representative began speaking with me about my account. The representative did not provide the FDCPA Miranda verbal notice in spite of me asking if he is a debt collector. Towards the end of the conversation the representative informed me that he did not have to provide the FDCPA Miranda verbal notice because he did call me ( since I was transferred over there ) and that he was assisting another department. 

Ultimately the issue wasn't never resolved and I was confused that the collections department didn't provide the proper FDCPA Miranda notice.

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 2022-05-27 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo Bank opened a credit card account without my daughter 's knowledge and her husband racked up over XXXX XXXX dollars in debt. 

She divorced and is now purchasing a house. She went to Wells Fargo and they asked to pay off this debt. On XX/XX/2022, my daughter and I paid her account off in full. We were both told that in 5 days we could ask for a letter stating that the debt was paid in full. 

The check cleared for the full amount on XXXX XX/XX/2022. On XXXX, XX/XX/2022, Wells Fargo bank refused to issue the letter because she had a balance of XXXX XXXX She paid in cash and was given another receipt her debt was paid in full again. She was immediately informed that they now needed 45 days because the cleared check was not proof of payment, cash, or that any bank could pull the money after the check has cleared. 

I need a letter from Wells Fargo showing that this debt is paid in full and XXXX balance is due. 

Because she is buying a house this refusal will cost her an additional {$2800.00} in additional closing costs and a higher interest rate will be assessed against her loan. 

This is outrageous, and need to meet with all the players personally to give them each a XXXX in business. 

Second, this account was part of the Wells Fargo ghost accounts which Wells Fargo already paid XXXX in fines. I wish to be reimbursed for the added closing costs and added interest over the lifetime of the loan. 

I also need to know why Wells Fargo keeps making up illegal policies in this country. 

I demand to be made whole in this matter. 

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 explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover Bank Someone opened an account under my name XX/XX/2022 spoke with Discover Fraud department and they froze everything and are investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been Scammed on Coinbase wallet and had an approximate XXXX dollars in ETH Cryptocurrency worth stolen from Coinbase wallet account. Please read the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
My concern is that Harris & Harris is contacting me regarding bills I never received via the mail. They are repeatedly calling my parents house and I have contacted them via their website asking them to stop. My parents do not assist me financially. 

How can I pay a bill that I never received? I cant.

Company response to consumer: Closed with explanation