vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: LEXISNEXIS
State: MD

Complaint narrative:
Hello, I sent several complaints out about bankruptcies being on my credit report. XXXX # XXXX and # XXXX was obtained through the XXXX Report which is against consumer law 15 U.S.C 1681a ( e ). 
# XXXX was removed from my LexisNexis Report on XX/XX/2022 that came back as unverifiable but also stated in same letter that # XXXX was verified? How is that when the bankruptcy courts don't furnish that information and I never gave permission per 15 U.S.C 1681 Section 604 A Section 2 to LexisNexis to provide my XXXX  report to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: PA

Complaint narrative:
I received a mailer with a promotional offer from Rategenius ( see attached ) for an auto loan refinance including a lowered interest rate of 2.74 % on XX/XX/2022. I completed the application using the pre-approve offer code through Rategenius, which including a hard credit pull which I confirmed through XXXX ( see attached ). After completion the application process, I was contact by the company ( XXXX XXXX to finalize the loan but was told that that interest rate in a mistake and that they are working to correct the issue. I then spoke with the manager who said the rate is not a guarantee, and that they are not able to offer me that rate, even given my XXXX credit score. I feel this is clearly bait and switch. Ive asked that they undo the hard credit pull, to which they replied that they are not the lender and to instead to contact XXXX XXXX XXXX XXXX. I will also be filing a XXXX  inquiry with this company as well. The business did not agree to remove the credit pull, stating that I had accepted RateGenius ' terms to do so on my behalf. I disagree. Consent was provided on the understanding that I was pre-authorized for a lower rate, which turns out was never available. Their mailer clearly stated on the cover page that I was pre-authorized for a rate of 2.74 %, but after speaking with Rategenius was offered a much higher rate of 6.99 %. RateGenius should provide what conditions would have had to have been met to receive the advertised 2.74 % rate. I believe this marketing practice is a violation of the Deceptive Trade Practices Act ( DTPA ) Sec. XXXX The advertisement is designed to be deceptive and should be changed to reflect a range of potential rates based on market conditions. When I spoke with RateGenius. The representatives indicated that they are fully aware of the market conditions and impact of loan interest rates but continues to send out direct mailing to bait and switch customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I received notice of a possible fraudulent charge to my PayPal account. I got that canceled. Then I asked the PayPal customer rep to cancel my account. He couldn't, so he referred me to a senior technician, who asked me to install " XXXX '' on my computer and give him complete control of my computer. I refused. He told me that if I did not give him complete control of my computer, he could not cancel my account and I would furthermore have to pay the {$500.00} fraudulent charge. When I still refused, he told me I was NOT President of the United States, and I therefore had to do what he told me. 

I then looked for a street address for PayPal, to which I could sent a letter documenting this. When I could not find that, I tried to find a way to send that via PayPal.com. When that failed, I decided to sent this to you. Below please find the letter I had planned to send to PayPal. Thanks. 


Please cancel my PayPal account. 

Can you please assure me that I will never again be bothered by PayPal? 

I will herewith summarize my reasoning : ( 1 ) I rarely use PayPal. 

( 2 ) I received an email from PayPal stamped XXXX XXXX XXXX XXXXXXXX saying, " There is evidence that your PayPal account has been accessed unlawfully. {$500.00} has been debited to your account ''. I ignored the link in the email. Instead I signed into my PayPal account, found the transaction, and tried to cancel it. 

( 3 ) I found the verbiage confusing, so I called XXXX at XXXXXXXX XXXX Central. I spoke with " XXXX '', who helped me cancel it. I then asked him to cancel my PayPal account, because I use it so seldom, I do not want to be bothered with this kind of thing ever again. He did not know how to do that. He then referred me to a senior technician, XXXX XXXX. XXXX XXXX then asked me to download and install " XXXX  '' on my XXXX, which I did. He then asked me to give him complete control of my computer, which I refused. He then continued by saying that if I did NOT give him complete control of my computer, he could not cancel my PayPal account. In addition, I would be charged the {$500.00}, which " XXXX '' had previously confirmed to me was cancelled, and which shows canceled, when I checked just now over 24 hours later. 

( 4 ) I found the request for complete control of my computer shocking, suggesting that XXXX XXXX was trying to defraud me. 

( 5 ) FYI, I'm a native XXXX speaker. The accents of the people with whom I spoke, " XXXX '' and " XXXX XXXX '', sounded to me like subcontinent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My bank account was charged a ridiculous amount of overdraft fees. I have asked wells XXXX 6 times to remove that oversraft option. I simply can't offers it. A school program automatically submitted a purchase for XXXX and I was charged {$35.00} by wells Fargo, my car payment went in automatically and I was charges another XXXX. My pay was deposited and with the fees I'm left XXXX which means my XXXX cellphone payment will cost me another XXXX this isn't fair wells cargo needs to stop doing 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 monetary relief
Consumer complaint received 2022-12-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This company XXXX was paid in full with the stimulus check issued by the US government. Payments were made directly from my bank account. They are also reporting errors to all 3 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 2022-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
I closed on a mortgage loan on XX/XX/XXXX. A check was issued by mail overnight to me in the sum of {$11000.00} of extra money. I then took the check, deposited the check and immediately sent an electronic transfer to Goodleap the finance company. at this facility I have also a solar panel loan which Ive had for two years. I found out on XX/XX/XXXX that the funds intended for my mortgage in the sum of {$14000.00} an additional XXXX on top of the XXXX from the extra money was deposited to the solar panel loan instead of my mortgage line. I have requested the money back on the XXXX I received the check finally today which is XX/XX/XXXX at XXXX XXXX I also had requested that this company would reimburse lost interest due to the XXXX not being applied to my mortgage which accumulates interest on a daily basis. As of XX/XX/XXXX the mortgage went over to a new servicer called XXXX XXXX. I had requested that they try to do the transfer from the solar loan back to my mortgage loan before XX/XX/XXXX because thats when my account started occurring interest on a daily basis which that equals to {$24.00} and some change a day. today I go to the bank and Ill take the check and deposit so I can send the electronic transfer today for them to receive it tomorrow to go on my mortgage. I have got to wait now to XX/XX/XXXX before the bank will release my money because Goodleap institution of banking they use has refused to verify funds in the account so now at this point in time by the XXXX I will be losing, the sum of close to {$500.00}. I have made numerous contacts every day to this company they have put me to voicemail every time Ive sent numerous emails, which I will be glad to forward to you all about the situation they will not contact me so I am now contacting you, I feel due to their negligence and placing moneys in an account that did not match what the account number they were supposed to put it into, they owe the interest that this money has lost on a daily basis from that loan. Thank you for reviewing this and I hope to hear from you soon I am very frustrated {$14000.00}. Isnt a small chunk of change. I will be sending only the main correspondence with this company if you need more feel free to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: KS

Complaint narrative:
On XX/XX/2022, I transferred {$25000.00} to my Kraken Account via USD Wire through my financial institution, XXXX XXXX Bank. The wire instructions, provided when I entered the dollar amount I wanted to transfer to my Kraken account, was the wire needed to be initiated to XXXX Bank, to Payward Ventures , Inc. Also, the information stated that I needed to include a 'reference required ' which stated the code identified my deposit within my Kraken account. I signed off on the wire instructions that I provided to my bank and it included the code associated with my Kraken account. This information was included in the Beneficiary Reference ( XXXX characters ), with the spill over to the Originator to Beneficiary field ( XXXX characters ). When the wire did not post, I contacted Kraken and the email correspondence provided stated the " Public Account ID '' ( first time this terminology was used ), needed to be included in the Originator To Beneficiary field. This was the first time this information was stated. I initiated a wire on XX/XX/2022 for {$5400.00} to Kraken, I made use of the Beneficiary Reference ( XXXX characters ) with spillover to the Originator to Beneficiary field ( XXXX characters ) and the wire posted with no issues. I feel Kraken has unfair, deceptive practices for processing wires based on the instructions provided for initiating USD wires to consumer accounts on Kraken. Kraken has stated that this could take up-to XXXX days to resolve. I have tried to work with Kraken, their receiving bank MVB, and no one has been able to resolve the issue. I have asked to speak with management, the only solution they have provided is that they can send an email to their internal business units. This issue, if not resolved by Saturday, XX/XX/XXXX, will cause our business to miss out on a {$500000.00} business opportunity. I have been waiting over XXXX, on XX/XX/2022, for Kraken to XXXX. No resolution. I've asked for the money to be posted to my account ASAP or to be returned. Neither has happened and I've been told, this can take several days to resolve. I'm in the banking industry. It does not take several days to resolve an unpostable USD wire. If a wire is not able to be posted, it should be returned to the originating bank immediately. Kraken practices need to be investigated and fined for the deceptive practices on Consumers. 
I have a confirmed with XXXX Bank that my wire transfer has been posted into Payward Ventures, Inc. account. The XXXX confirmation number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I got a large inheritance in 2 parts. One was in XXXX and one was on XX/XX/XXXX. The forst one everything went ok and when i came with the cashiers check this time for XXXX us dollars it was cleared in one day. Which bring me to today. Checked the app in the morning, check was cleared, went to citibank in XXXX florida and when i got to the teller i asked him for 3 cashiers checks so i could transfer money to my other 3 bank accounts and the 3rd small one for my brother to help him out. The first one was for XXXX for my brother and everything was cool. The second was for XXXX in my name for my XXXX XXXX  account and also everything was ok. The 2 cashiers checks were made and i had them in my hand. He was trying to do the 3rd one for XXXX to put in my name for my XXXX XXXX XXXX account and all of a sudden he said im sorry i have to call to get an ok for this one because its large. He made me wait 5 minutes, came back after 20 minutes and took the 2 chevks that were already made out if my hand and said im sorry were closing your account with no other information. I demanded a manager but they wouldn't send one out. This is a citigold account where theyre supposed to treat you better. They said call customer service to get answers. Now im not living in the states full time, i came specially to get this inheritance, i leave back to my country on monday ( 4 days ) now i dont have any access to my money with no warning and no answers. When i called customer service, same thing. No answer, ill get a letter in the mail in XXXX business days but i wont be here. And about the money ( XXXX ) i wont get itbfor up to XXXX business days. I wont be here. This is disgusting behavior. I did nothing fraudulent and have all the paperwork to prove everything. Even had the trustee call but no one will listen, no one will give any answers. Now im stuck with no access to my money or the money i had in the account before this check and no answers. How can they just do that with no warnings??? At least give me my funds so i can live. This is not a few buck and the cashiers check that i depsoited yesterday cleared. Now ill have to waste thousnads of dollars coming back whenever they do releaze the funds and take a loan in order to survive. Both of which i can not do. I have a business to run and am trying to build my credit. THIS IS SO MESSED UP. I NEED ANSWERS. CAN I TAKE A LAWYER???

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 2022-12-08 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: CT

Complaint narrative:
EQUIFAX has FAILED TO EXERCISE THEIR GRAVE DUTIES under the FCRA. They have been put on notice on XXXX and HAVE NOT ACTED ACCORDINGLY and removed the demanded accounts from my reputation. It has been more than 45 days and NOTHING has changed. EQUIFAX has not shown ANY REGARD AND RESPECT to I the consumer and to the CFPB and continue to act on their own free will and harm my reputation. I demand EQUIFAX to DELETE the requested information by following FCRA guidelines and taking more than 45 days to respond with anything!!!! EQUIFAX has caused me to lose faith in the banking system due to their negligence and disregard to Federal Law and I the consumer. QUIFAX has stated that the social security card and id I provided for verification was not sufficient to verify me. This is in fact a STALL tactic and EQUIFAX is simply not trying to exercise their GRAVE DUTIES under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
i have an incorrect report on my credit bureau reports. Vystar credit union is reporting a balance of {$5700.00} on a car that was charged off. I settled this with Vystar in XXXX XXXX  and it should be showing a {$0.00} balance. also as part of the settlement the account was supposed to be removed from my report. PLEASE help. this is frustrating as i have contacted Vystar ( the original creditor ) and the bureaus and no one will help me. I have submitted documents supporting this and they don't even look at them or take them into account. This is a blatant violation of the fair credit reporting act. PLEASE 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 explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Claim # XXXX I deposited the {$1300.00} on XXXX 2022 XXXX military time. 

The is the receipt as a proof the item the I deposited {$1300.00} was deposited, were, not able to be returned. 

I deposited cash {$1300.00}, and, I clicked check by accident, also, the day the ATM machine was acting slow and the screen kept on freezing.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
RE : Previous Complaint You investigated the previous complaint. Thank You. 
Due to your investigation, Synchrony Bank resolved most of this issue. 
They refunded my late fees, refunded my interest fees, and honored the Ten Percent discount that they offered. 
However, they also reported derogatory information to the Three Credit Bureaus. 
I have requested that Synchrony Bank remove this negative info. They have not agreed to do so. Clearly they were wrong to report this, as they corrected the erroneous charges. 
Since the charges were incorrect, the info to credit agency is also incorrect. 
Please have Synchrony Bank update my info reported to 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 2022-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This company XXXX was paid in full with the stimulus check issued by the US government. Payments were made directly from my bank account. They are also reporting errors to all 3 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 non-monetary relief
Consumer complaint received 2022-12-08 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had a auto loan with ally financial where XXXX XXXX sold me a damaged vehicle which I contacted the bank to take back the vehicle which they did and sold it on for more then I was owed on the vehicle. The bank keep the profit and when I asked for the documents which show how much is the vehicle is being sold for on auction, then they banked add another {$600.00} on the vehicle worth. The account account been closed and they bank take advantage on my consumer credit report where they reported a charge off as BAD DEBT and this is totally illegal and I want to take action filed lawsuit against the XXXX XXXX XXXX  for selling my personal to third party and misinformation.

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 2022-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
ADDITIONAL COMMENTS I still receive multiple daily calls to pay interest fees and late fees on the interest they say is due. The letter I received repeats the same narrative that their representatives state on their phone calls and use intimidation tactics not allowed by debt collectors. However, since the Federal, State and Local governments are solely on the side of the banks, my complaint was useless. I am a fly on a very large wall run by the banks, saved again throughout history by the government. The average citizen does not count, and you prove it.

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 2022-12-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have an incorrect report on my credit bureau reports. XXXX XXXX XXXX is reporting a balance of {$5700.00} on a car that was charged off. I settled this with XXXX in XX/XX/ and it should be showing a {$0.00} balance. also as part of the settlement the account was supposed to be removed from my report. PLEASE help. this is frustrating as i have contacted XXXX ( the original creditor ) and the bureaus and no one will help me. I have submitted documents supporting this and they don't even look at them or take them into account. This is a blatant violation of the fair credit reporting act. PLEASE HELP!

Company response to consumer: Closed with explanation