vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNCOAST CREDIT UNION
State: CA

Complaint narrative:
I opened my Suncoast Credit Union Account on XX/XX/2023 from a friend referral online. I subsequently referred out several other members to apply for based on a promotion available to SunCoast Credit Union members. At the end of XX/XX/2023 I notices I was not able to access my online account. Since that time, I have contact Suncoast Credit Union XX/XX/2023, XX/XX/2023, and XX/XX/2023 and been told each time my account is currently under review and due to not being a resident of Florida I do not appear to be eligible to an account with SunCoast Credit Union. I am seeking resolution on having access to my account or funds returned and account closed. It seems illegal to hold account funds for a consumer that is not eligible. Either way, 45 days is an unacceptable amount of time to not have status to my account or access. I am seeking resolution of my account review by Suncoast Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
XX/XX/XXXX  asked for the form to be sent to me and when I click on it, there is no loans available. However, they are asking me to pay on a loan that they say does not exist. It took 3 months to get an answer about the hardship and because I asked for a supervisor it was just a no, you have no available loans with Affirm but if you don't pay it we will go to an outside collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I kindly request the removal of this account from my credit report as it does not belong to 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 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Recently, PayPal Credit rolled out updates to their mobile application. Unfortunately, these updates have made accessing the PayPal Credit section of the app nearly impossible. Whenever I attempt to make payments or manage my account through the app, it either crashes unexpectedly or the specific PayPal Credit section malfunctions, preventing me from carrying out essential tasks. This technical issue has persisted despite multiple attempts to resolve it, causing significant frustration and inconvenience. 

Furthermore, PayPal Credit has refused to enable autopay for the deferred interest feature, which is the primary reason I opted to use PayPal Credit for my purchases. The 6-month no-interest promotion on purchases of {$100.00} or more was a significant incentive for me, allowing me to manage my finances effectively. However, without the option for autopay, I am left with limited choices : paying a fixed amount or the full balance. Neither option is suitable, as I may not always have the funds readily available to pay the entire balance, leading to deferred interest charges and late fees. 

This situation is incredibly predatory, as it forces users like me to manually send payments for the specific promotional amount, making it challenging to avoid deferred interest. The inability to set up autopay for the deferred interest amount not only undermines the advertised benefits of PayPal Credit but also puts users at a considerable disadvantage. The absence of this feature has led to me incurring unnecessary charges, including a late fee of {$30.00} and an interest charge of {$5.00} in my recent billing cycle. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold PayPal Credit accountable for their actions. Users should not be subjected to faulty app functionalities and denied essential features that prevent them from taking advantage of the benefits promised by the service. I request that you take swift action to rectify this situation and ensure that PayPal Credit provides a fair and transparent user experience, free from predatory practices and inconvenience.

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 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am minority owner that provides affordable housing in XXXX XXXX. Each month Bank of America place holds on rent checks of minority tenants for AN EXTENSIVE PERIOD OF TIME because they pay rent by United States Postal Money Orders. 

100 % of rent we receive by tenants by United States Postal Money Order are XXXX or XXXX. 

As test I deposited two checks on XX/XX/23. One was a US postal money order. The other was a private check from a XXXX bank account. A hold for over a week was placed on the postal money order. 

While the tenant believes they are providing certified funds for prompt delivery to landlord, Bank of Americas policy necessarily causes a negative impact on minority tenants and minority owners servicing the affordable housing market. 

Bank of America says their policy is JUSTIFIED because the post office takes too long to pay. 

This is utter nonsense because fir clearing funds in deposit each day is simply a function of coding This code has a direct discriminatory impact and has ABSOLUTELY NO BUSINESS PURPOSE. 

Bank of America has a legal obligation to respond to complaints of discrimination. On my recorded complaint it said it did not have to provide a response.

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 2023-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc.
State: GA

Complaint narrative:
I engaged with Transformers for an emergency loan in the fall of XXXX. I was approved for the loan and then through the process was advised I needed to add a cosigner which I thought was odd being that I had already been approved. I went ahead and added an additional cosigner to the account since it was an emergency need for funds. 

Since engaging with transform credit, I have requested access to the initial agreement to review since I noticed billing issues and double charges for interest most recently in XXXX after being ahead in payments charged over 60 % in interest charges which is outside the original interest rate. 

I requested a copy of the agreement in XX/XX/XXXX, the agreement that was sent to me was not for my account but for a separate account that I did not authorize. As a result, I put a fraud alert on my social security number and contacted customer service that I did not have any additional loan and requested a copy of my specific loan, which I never received. 

As a result of unforeseen hardship occurring in XX/XX/XXXX, my financial situation changed. In XXXX, I hired a debt management company that has a POA and is legal representation over the debt to negotiate the account to resolve the debt as quickly as possible in lieu of filing for bankruptcy. 

I informed transform credit that I had legal representation and had to join a debt management company. I requested them to work with the attorney from the debt management company to get the account resolved as soon as possible. I also put them on notice that they needed to cease all automatic payment attempts and that they needed to work with the debt management company for payment matters. I also noticed transform credit that they needed to cease contact with the co-signer and me and communicate only with the attorney. 

Transform credit personnel proceeded to e-mail me multiple times and the cosigner threatening litigation, threatening damage to the credit report, threatening to garnish or place lien on assets and more. In addition, sent additional communications that the account would be autopay even after being notified to cease any automatic withdrawals and payments and work directly with the attorney. 

I have attached all relevant documents and screen captures of behavior. I'm deeply concerned about XXXX credit 's stance and what appears to be violations of federal regulations and statutes when I've engaged to trying to have a positive resolution on both sides of the aisle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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:
Dear CFPB representative, On XX/XX/23, I noticed my account had 3 unauthorized withdrawals made in California in the amount of {$2800.00}. I immediately called Bank of America and froze the account but the representative had not initiate a claim until I called in again a few days ( by calling in again regarding the credit ). I later learnt that the unauthorized transactions were done via the teller window and the CCTV footage had been pulled on XX/XX/23. Every time I call BoA, the fraud department alleged the case is being investigated ( which takes 60-90 days ) and no updates. On XX/XX/23, I called again and asked when I would get my {$2800.00} back, the answer I received was " we can't credit the account until the investigation is completed which takes 60-90 days ( same old story ) ''. I insisted to speak to a supervisor and about to file a claim on CFPB. After holding the call for about 10 minutes, the rep. told me she can credit my account with a provisional credit of {$2800.00} and I was hoping the investigation would finish soon. 

A week later, I called again and no result. Today ( XX/XX/23 ), I just made a call and was told the same thing again, the investigation takes 60-90 days. I don't understand why it takes so long to investigate when the CCTV footage had been captured. I just need my money back now, not just provisional credit. 

I have the case number to my claim, if needed, I can provide to you. 

thanks for helping.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX of XXXX  I called my credit card company XXXX XXXX on multiple occasions requesting hardship due to me being in a XXXX  XXXX. My spouse was controlling my finances and I was not working.They insisted there was nothing they could do. Which caused me to have 5 missed payments on my credit report. I fled my home this year and asked for the same assistance and they provided it to me. When I inquired how long did they have this assistance they stated " since Covid 19 '' so that means they had it when I initially inquired.I am currently looking for a home to live in and sent multiple Goodwill letters asking for removal of the late payments. XXXX XXXXXXXX XXXX XXXX  stated for me to call Experian to have the issue resolved. If I was not given false information back in XXXX of XXXX, this could have been avoided. Now I am having trouble locating a safe home because as a courtesy to me they do not want to remove the report after they already provided false information. 

Can you please assist 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
I bought a XXXX XXXX XXXX for XXXX after everything included it came to XXXX. I gave a XXXX down payment. They did not work with me. I got behind due to COVID they still were piling interest charges and late fees. I voluntarily surrender the car now they are trying to get XXXX dollars out of me. Taking me to court and saying I also need to pay the court cost and fees. After I surrendered the car they still kept charging me until it was sold. They are now in a current lawsuit against them because of their corruptive behavior. I know I'm not the only one fighting this with these people.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
these fraudulent CRAs are violation my rights as a consumer, I am a victim of identity theft by law the credit bureaus furnished infromation on the consumer report without written consent. I contacted the debt collectors and none of them were able to provide a wet ink signature form me or a contract, these accounts listed below are in fact fraudulent. this has been over 90 days and I am fed up. who will hold these fraudulent companies accountable, who's protection the consumer on the informed use of credit, the act a laws put in place to protect me aren't being followed by these companies and it is affecting my lively hood. I am homeless with an infant daughter and my credit is being sabotaged by companies they have too much power and this is not fair!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
these fraudulent CRAs are violation my rights as a consumer, I am a victim of identity theft by law the credit bureaus furnished infromation on the consumer report without written consent. I contacted the debt collectors and none of them were able to provide a wet ink signature form me or a contract, these accounts listed below are in fact fraudulent. this has been over 90 days and I am fed up. who will hold these fraudulent companies accountable, who's protection the consumer on the informed use of credit, the act a laws put in place to protect me aren't being followed by these companies and it is affecting my lively hood. I am homeless with an infant daughter and my credit is being sabotaged by companies they have too much power and this is not fair!

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 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
COMPLAINT ID XXXX Through CFPB, I was able to get a response from the bank however they did not investigate the matter in detail. 

I received a response back through CFPB from US bank regarding my business checking account. The original complaint was that I did call before I've opened up a business checking account with a promo to make sure I did qualify. Upon recieving an approved answer from the representative I've opened up the checking account. Before I've deposited the XXXX dollars needed qualify for the promo I did call yet again to make sure I did qualify. 

I've spoke with 2 different representatives to make sure I did qualify. 

Also. I've called after 60 plus passed days to make sure I was going to be receving the promotional offer. In which the representative yet again was 100 % sure I would get the promotional offer. This particular representative 's name was XXXX. 

If all of these calls were recorded then they should be logged with US bank. 

In all honesty, I did not know I would qualify for the banking promotion. And in all honesty, I did call to get guidance on whether I would qualify. The answer I got from all of the representatives were yes I would qualify. That is why I've made the choice to open the business checking account. 

I kindly ask that you would please grant the promotional offer as assured upon by all of your representatives.

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 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had a account with Wells Fargo in XXXX to XXXX and they closed it after I was a victim of fraud and they acted like it was my fault a hacker hacked my account and then spent XXXX dollars of my money and I tried to get it back and they refused to reimburse me my money after I was supposed to have protection from this stuff

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE ERROR REPORTING ON MY CREDIT REPORT THAT WAS NOT ERROR ON MY PART, IT WAS CAUSE BY MY BANK XXXX. THEY CLOSE OLD ACCOUNT I HAD AND STOP ACH PAYMENT AND TRANFER PAYMENTS. THE. IT HAD EFFECT ON ALL MY ACOUNTS. I HAVE WITH XXXX XXXX IT CAUSE TO ME TO BE LATE WITH MY PAYMENT MY XXXX  CREDIT CARD IN THE MONTH OF XX/XX/2023, I have ATTACHED COPY OF THE LETTER

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
This is the second complaint I am lodging against Mr. Cooper. This company is problematic on many fronts! The first complaint I filed is still with them -- and they probably won't respond or if they finally do, it will be a canned response and nothing will be resolved. I have been disappointed with them from the time they took over my mortgage from XXXX XXXX. 

They are impossible to reach by phone or email ( only chat is available and the agents are of no help ). Even though I set up an account dutifully, they continued to send me urgent alerts by email and regular mail stating my mortgage payment would not be paid unless I took even more action ( which was nonsense ). This scared me as I have never missed a mortgage payment and I had set up an account and completed all steps that I needed to for ACH payment processing. 

Then they started bombarding me with predatory lending marketing emails stating I should take out a loan against my home 's equity. I asked numerous times to unsubscribe and continued to get those emails. 

Today, I learned that they were the victim of a cyber-attack on XXXX and now their entire website is on lockdown -- as a mortgage customer I can not log in or view anything related to my account. This is egregious! 

This is three strikes -- this company needs to be put out of business and folks like me who work hard and pay our mortgages need to be allowed to bank elsewhere. I did not select this company and do not want to do business with this company. They are unprofessional/incompetent at best and and running some type of scam at worst. I do not trust them. It's one thing after another. I demand to be allowed to bank elsewhere and transfer my mortgage to a reputable institution ASAP! I have filed complaints everywhere I can ( with the FTC, XXXX, and this site ). Mr. Cooper must be held accountable for negligence and the inability to run a business at even a basic level of competence -- I am worried about the impact this will have to my family and home!

Company response to consumer: Closed with explanation