vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
1, XXXX continued to bill me for XXXX & XXXX, with a total of {$99.00}, after " request to disconnect the service '' was made in the XXXX of 2023 ; 2, On XX/XX/2023, I contacted XXXX to correct this mistake and was promised by XXXX 's XXXX chat agent that this balance shall be waived. This conversation was recorded in XXXX 's Chat Log : XXXX ; 3, Instead of acting on promise, XXXX kept sending bills until XX/XX/2023 when I contacted XXXX again. The same promise as in XXXX was repeated, and I was told to rest assured, as evidenced in Chat Log : XXXX ; 4, Once again, rather than acting correctly as XXXX has promised twice, XXXX hired Debt Corrector, Waypoint, to collect from me the false balance of {$99.00} ; 5, After being provided the screenshots of XXXX 's above promises in XXXX and XXXX, Waypoint told that this collection account will be closed. 
6, However, now XXXX hired another collector, XXXX, to repeat the same harassment Please see the attached screenshots for evidence that this wrong balance of {$99.00} has been promised twice by XXXX 's customer service to be corrected to {$0.00}

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 2023-11-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK
State: WA

Complaint narrative:
XXXX : Applied for a home improvement loan with Discover Home Loans and was preapproved based on my credit score, income, and estimated market value of my primary home. XXXX XXXX XXXX XX/XX/XXXX ( XXXX PST ) : Received the full appraisal of my primary home confirming estimated values to be {$960000.00} ( sales comparison approach ) and {>= $1,000,000} ( cost approach ). The lower value meeting the estimated market value at time of application and pre-eligibility process. Email from Discover stated : " XXXX, our underwriters are conducting their final review of your loan application... This crucial step takes a few days and we'll let you know when it is complete ... '' XX/XX/XXXX ( XXXX PST ) : Received an email from Discover Home Loan Services, " We are unable to approve your application. You'll receive a letter in the mail in a few days with more information about this decision. '' I then reached out to the Sr. Loan Processor ( XXXX XXXX XXXX to inquire what had happened as we were baffled and thought perhaps there had been a system error. XXXX responded with the following, " The underwriter has reviewed your file and it appears it has resulted in a decline. The reason they provided was " the property value given to a non-conforming half floor. Non conforming means not meeting zoning requirements. The appraiser also stated that the den in the basement does not meet proper egress ( exit ). The half floor is completed but does not meet the ceiling height requirement to be included in finished square footage. Finished area must have ceiling height of at least XXXX feet per XXXX guidelines. '' In all of my years being involved in retail lending, buying and selling homes and having a spouse that served a real estate agent, we have never heard of well-qualified consumers being denied a mortgage-related loan when an appraisal had met value, especially one in which the very thorough appraiser implied would potentially sell higher if we weren't currently in a depressed market due to high rates and low season. We've literally had people offer to buy our home off market. The buyers previous to us and in our own purchase did not have any issue with meeting market value for our primary purchase loan on this home. The area we live in is surrounded by homes of a similar nature, built between the XXXX 's and have no difficulty with inventory movement, the layouts are market-dependent and rooms outweigh conforming square foot in our market. Further, the market value of the home would exceed FHA and conforming loan max amounts. 

I would be curious to know if they are consistent with this type of denial with others in our metro area.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Regarding Frozen Bank of America Checking Account Dear Sir/Madam , I am writing to file a formal complaint against Bank of America concerning my checking account, which has been frozen due to alleged suspicious activity. The lack of communication and transparency from the bank has not only caused significant financial inconvenience but has also adversely impacted my financial reputation. 

My checking account number is will be provided when asked. I first noticed the issue when several payments I made were returned, despite my account showing an available balance. These returned payments have resulted in numerous fees from external creditors and have damaged my financial standing. 

Upon contacting Bank of America to understand the situation XX/XX/XXXX, I was informed that my account was frozen but was given no further explanation. I was repeatedly told that an investigator would contact me, but I have received no calls, emails, or any form of communication from the bank. 

I assure you that all transactions made through my account are legitimate, and I am more than willing to provide justification for any transaction that the bank may have questions about. However, without specific information on which transactions are considered suspicious or the trigger for this action, I am unable to address the bank 's concerns effectively. 

The lack of communication and transparency from Bank of America is not only distressing but also goes against the principles of fair banking practices. 

Thank you for your attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, 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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint to CAPITAL ONE. I am writing to formally express my deep concern and disappointment regarding the lack of action taken to correct and remove fraudulent accounts that persist on my credit report. Despite my diligent efforts, the presence of these inaccuracies continues to impact my reputation adversely. On XX/XX/2023, XX/XX/2023 and XXXX XXXX, I submitted dispute letters to CAPITAL ONE, detailing the fraudulent accounts and requesting their prompt correction. Regrettably, to date, I have not witnessed any substantive action taken to address these discrepancies. This prolonged delay is distressing, as I anticipated a swift resolution to ensure the accuracy of my credit file. 
To assist in your investigation, I have attached my Federal Trade Commission ( FTC ) report with the reference number XXXX. I believe this report provides additional context and evidence supporting the urgency of this matter. I am genuinely disappointed that the information on my credit report does not accurately reflect my financial history, as I expect from a reputable credit reporting agency. I trust that CAPITAL ONE will take immediate and comprehensive action to rectify this situation and uphold the accuracy and integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a, section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 
3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, T 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Subject : Request for Account Deletion Under Consumer Protection Laws Dear Portfolio Recovery Associates, I am writing to address ongoing concerns regarding the account ending in XXXX that you are currently managing. I believe there are valid reasons, in accordance with consumer protection laws, for the deletion of this account. Below, I outline the key points supporting this request : Verification of Debt ( FDCPA Section 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive verification of the debt. Despite previous requests, I have not received the requested documentation, specifically the original contract with a wet signature. The FDCPA mandates accurate verification, and without this essential documentation, the legitimacy of the debt remains in question. 
Accuracy of Reporting ( FCRA Section 1681s-2 ) : The Fair Credit Reporting Act ( FCRA ) requires accurate reporting of consumer information to credit reporting agencies. Relying solely on credit card activity as proof may not be sufficient to meet the standards of accuracy outlined in the FCRA. I urge a thorough review of the information furnished to ensure compliance with the FCRA. 
Cease Communication Request ( FDCPA Section 1692c ) : Pursuant to the FDCPA, I previously requested the cessation of communications regarding the PRA account. If communication persists, it may be deemed a violation of the FDCPA, and I request immediate compliance with the cease communication request. 
Access to Original Contract ( TILA Section 1635 ) : The Truth in Lending Act ( TILA ) grants consumers the right to request and receive a copy of the original contract with a wet signature. I have not received this document despite previous requests, and I request its immediate provision. 
In light of these concerns and in adherence to the aforementioned consumer protection laws, I kindly request the deletion of the account ending in XXXX from your records. 

Please acknowledge receipt of this request and provide a timeline for the resolution of these matters. Your prompt attention to these issues is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
Completed new checking account application and paid {$50.00} opening deposit. Account was flagged as fraudulent. Instead of Truist Bank returning my opening deposit to the original payment method and closing the account. Truist kept my {$50.00} opening deposit and sent me a debit card that can not be activated.Truist has charged a monthly {$12.00} fee to the account until it now has a negative balance of - {$34.00}. I get monthly statements to an account I have no access to and am unable to get my opening deposit back from Truist. I have been trying for several months to no avail.

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 2023-11-24 00:00:00
Product: Credit reporting 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: WA

Complaint narrative:
I do not recognize these inquires XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX  XXXX  XX/XX/2023

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
To Whom It May Concern : My personal information was leaked from my company. Thus, I have identity theft on my credit which is affecting my XXXX score. Bank of America and XXXX credit cards are not mine nor have I ever done business with these merchants. My XXXX score has always been over XXXX and because of identity theft this is negatively impacting me. My credit file needs to be updated accordingly. Thank you in advance. 

XXXX XXXX XXXX E-mail : 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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc
State: IA

Complaint narrative:
I applied for a loan to buy ticket some time ago. I had 2 loans with this company and then it came to a time that I had to leave and visit my family back home in another country. Before leaving i made sure everything was paid. Unfortunately, I didn't know that the balance of XXXX usd left on this account was not paid before leaving. Whiles away, I never got an email or text message about any balance reminder or such. I got back only to find out that I owe XXXX usd on my credit file and so I went ahead and paid the balance. I have tried several times to contact Uplift to make the necessary correction on my credit file since I have made that payment but failed in contacting them. The number on their website is ( XXXX ) but it just a voice prompt and never transfer you to an actual agent to talk to. I also went ahead to file a dispute with XXXX but up till now no change or any information has gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please find attached, CFPB Complaint ID : XXXX, Subject Property : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX dated XX/XX/2023.

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 2023-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I signed a lease contract for $ XXXX on a XXXX XXXX XXXX which matures on XX/XX/XXXX. Midway through the lease contract, my payment suddenly changed. I called Toyota Financial Services on multiple occasions and no one could explain to me the reason for the increase. The monthly bill is not itemized, nor did I receive any written correspondence that there was a change in the contract terms. After multiple phone calls, I stated to TFS that I refused to pay the increase and would continue making payments as originally contracted. Since the lease is about to mature on XX/XX/XXXX I reviewed my account because I decided I would like to extend the lease while I determine the best transportation option for my growing family. I am a working XXXX  and a XXXX  and I depend on my vehicle. I always pay my bills on time. Upon contacting Toyota Financial Services on XX/XX/XXXX I was told that I was ineligible to extend the lease, and that my account had a past due amount of {$89.00}. I was told this past due amount disqualifies me from extending my lease. I again asked for an explanation for why the payment had changed and this time was told it was due to a change in sales tax. I was not notified of a change in sales tax nor does the monthly statement reflect any changes in tax. Additionally TFS could not explain what tax rate was being used to calculate the payment and when it changed. My understanding is this " past due '' amount has been reported negatively against my credit report. I am outraged that Toyota can not answer my questions or provide documentation to support a change in payment, tarnished my credit, and unfairly restricted my options at lease end. I was old I could contact the credit dispute department at TFS by U.S. mail and my lease would still mature on the planned date. This unfair and deceptive practice by Toyota needs to be investigated and this company needs to be held accountable for violating the terms of my lease contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I unwittingly fell victim to a deceitful scheme involving my sister 's PayPal account. Someone gained unauthorized access to her account, assuming her identity to deceive individuals like myself. In good faith, I transferred {$3000.00} to what I believed was my sister 's account, unaware that it had been compromised. 

Upon discovering the scam, I immediately contacted PayPal to rectify the situation and requested the cancellation of the transaction, seeking reimbursement. However, they directed me to contact my bank, XXXX, to reverse the transaction. Despite initiating a claim with XXXX and their assurance of a temporary credit during their investigation with PayPal, they regrettably denied my claim within a few days without providing the promised temporary refund. 

I have yet to receive a detailed report from XXXX regarding their investigation. It appears they did not thoroughly verify my claims or contact PayPal to substantiate the situation. Presently, both PayPal and XXXX acknowledge the fraudulent nature of the incident but claim their inability to remedy it. Consequently, I've incurred a loss of {$3000.00} along with sending fees totaling {$92.00}. 

This experience leaves me disheartened as it seems neither PayPal nor XXXX has taken sufficient measures to safeguard users or assist victims of such scams. There's an evident need for PayPal to enhance its account security measures, ensuring rigorous identity verification protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX via telephone call with Navy Federal Credit Union fraud services ( XXXX ) a stop payment was requested in accordance with 4-403 CUSTOMERs RIGHT TO STOP PAYMNET ; BURDEN OF PROOF OF LOSS During this time, Navy Federal Credit Union was made aware of several unauthorized fraudulent transactions and a stop payment was requested. 

On XXXX XXXX XXXX XXXX XXXX via telephone call with Navy Federal Credit Union fraud services XXXX XXXX XXXX a stop payment was requested in accordance with 4-403 CUSTOMERs RIGHT TO STOP PAYMNET ; BURDEN OF PROOF OF LOSS For the second time, Navy Federal Credit Union was made aware of several unauthorized fraudulent transactions and a stop payment was requested. 

These transactions consisted of the following at minimum transactions : -An unauthorized account was added for the purpose of internal transfers according to the fraud department representatives. 
- {$2400.00} dollars was removed from primary checking account ending in XXXX, and pending transfer to said unauthorized member to member account. 
- {$500.00} dollars was removed from my secondary account, ending in XXXX, and pending transfer to said unauthorized member to member account. 
-Several Cash advances were requested from my account credit cards with pending cash transfers to said unauthorized member to member accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX XXXX XXXX XXXX XXXX  A report was filed with FDLE to document fraudulent charges. 

On XXXX XXXX XXXX XXXX XXXX via telephone call with Navy Federal Credit Union Fraud Services ( XXXX ) As requested, all checking, savings, and credit card accounts were changed to remove unauthorized access. I was informed by the representative that the issue was under investigation. 

On XXXX XX/XX/XXXX XXXX XXXX via telephone call with Navy Federal Credit Union fraud services ( XXXX ) The representative named XXXX stated that the appropriate fraud claims were not opened nor completed during the previous call. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the XXXXXXXX XXXX to file for fraudulent claim in person. I provided a demand letter explaining the fraud that had occurred. I spoke with XXXX, who gave me a form to fill out and printed all my statements from the last month for my accounts. She informed me that she would put in an urgent request for my money to be returned, but that it could take several months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief