vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/XXXX I received my deposit of my pay from my XXXX  of XXXX on my Money Network card provided to me by my XXXX. On XX/XX/XXXX I went to XXXX on XXXX XXXX in XXXX XXXX CA to use the ATM and withdraw money to pay bills. I withdrew {$300.00}. I then went to pay my phone bills. Then home to meet my XXXX XXXX to get the XXXX XXXX done on my vehicle. The work on my vehicle turned into a allday process. On XX/XX/XXXX my vehicle was done and I decided to XXXX XXXX it. When I started my car, I saw the XXXX XXXX  was on. I drove to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ca. I went inside to get some cash from the ATM so I could get gas. Realizing I only had {$20.00} left from the {$300.00} I had gotten the day before. Due to the payment to the XXXX  for his services. When I requested to withdraw cash from the ATM. It showed I had a negative balance of $ XXXX. I was completely panicked and in shock! I had just gotten paid. I knew on the XXXX  of the XXXX I had ordered some things on line. I knew exactly the amount I spent and knew that there was a big problem. My money was missing. I immediately contacted Money Network. I explained my situation. I was told that there was a withdraw amount of {$400.00} in XXXX ca. On the XXXX at XXXX XXXX and XXXX XXXX XXXX. I said that was impossible because I am in XXXX XXXX and I have not been to XXXX, CA!! I was very upset. I called my 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 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OH

Complaint narrative:
Checks were stolen while I was XXXX  and used to open a bank account with XXXX XXXX. When I discovered this, I immediately contacted local law enforcement who was reluctant to take a report, refusing to take an in-person report. I was told to handle it with the bank and that there was nothing the police could do. Finally, after months of not being able to get an answer from XXXX after sending in everything I needed with an affidavit disputing the checks used to open the XXXX account ( which XXXX keeps denying ) and having called every 3 days for over a year being ignored, sent me a notice that they will not help me recover my funds because I didnt cooperate with law enforcement when it was law enforcement that refused to cooperate with me. I have since reported this to XXXX. Nobody will take responsibility despite prompt reporting of the situation and evidence that funds have been grossly misappropriated and handling this situation where XXXX has been on conference call with XXXX and denied it removing funds from my account, has been devastating especially whiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: One Source Technology
State: MO

Complaint narrative:
My credit sucks now and I'm being held back getting a job because I'm a XXXX XXXX  The company I worked for burned me out. They send me on an extra run. I started falling asleep at the wheel. I pull over truck over so I don't wreck and kill some innocent person. The police roll up on scene. Tells me to go to sleep for a few hours which I do. My company fires.me for doing the responsible thing. I get denied my unemployment by the cpany which.i save them a wreck and lawsuits and keep myself out of prison. For following a lawfully.order make sure I don't get my unemployment rite away so I cant pay my bills for 4 months now. And now I have people or companies won't give me a job now this is in XXXX American No one wants to wait to get paid.but everyone is making me.wait to get my $ that I am totally entitled to. So you being the government. Do something

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XX/XX/2022, my credit card balance doubled in size due to an unexpected charge from XXXX  and XXXX XXXX. I had previously stayed at this resort in XXXX of 2022, however ; I had prepurchased my trip through XXXX XXXX  in XXXX 2022. The trip was all-inclusive. As such, the trip included airfare, shuttle, lodging and meals. Nevertheless, American Express allowed XXXX  and XXXX  to successfully process a charge on my credit card months after my visit without my authorization and no documented evidence or expressed consent of this charge. 

When I disputed this charge, AMEX requested that I show documentation of me previously paying for this trip, in which I did. They also further reviewed and noticed that the resort had previously credited my account, and I explained that I serious hospitality issues ( discriminatory allegations ) with the resort while on my vacation, in which they compensated me for my stay. AMEX noticed a debit of {$150.00} from my card while at the resort, in which I DID authorize, because I wanted to upgrade my room while at the resort from the XXXX XXXX to the XXXX XXXX ( {$50.00} per night surcharge ). However, AMEX never overturned the $ XXXX charge that was made against my credit card in XX/XX/2022. 

Throughout the dispute process, I was extremely frustrated as I could not fully understand my case XXXX, and vice versa, the case XXXX was speaking highly technical seemly to place this issue on me. It does not make sense why would AMEX allow a cardholder to be charged something under such circumstances previously communicated and without proof of authorization. Further, I purchase this trip in the XXXX. All incidentals ( i.e. {$150.00} room upgrade ) were paid for while at the XXXX. 

Why would AMEX allow another business, a non-US business to predatorily charge my account, doubling the balance blindly without warning, without notification and/or without research on AMEX 's part onto a long-standing customer 's account? This charge was out of my customer risk profile and purchasing habits, and should have triggered preventative fraud controls before this charge ever reached my credit card. To make matters worse, AMEX was wanting me to reach out to the merchant to ascertain the charge? Shouldn't this be AMEX 's responsibility as part of dispute? Months later, months after my stay and the incident. I left the hotel with no business card, no direct number, and no incident report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
So I have been noticing money slowly being taken out of my account. Also on XX/XX/2023 I made an transfer for {$4000.00} and was only allowed to use XXXX so I sent {$1500.00} back to my account and now I cant find my money.

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 2023-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
After paying off loan never received original title was forced to pay for one

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax does not provide the dispute outcome pdf on their site for all claims. It will randomly show an available pdf but the majority of disputes do not provide any information into the outcome. I even receive emails telling me to review the results online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I currently have a Mortgage account with Flagstar Bank. We live in XXXX, Texas I have an escrow account that they claim is short {$3700.00} which is incorrect and they insist it's due to higher Property Taxes which is also incorrect. Please see below for the breakdown of the mortgage payment. 

Principle & Interest : {$1000.00} Escrow Amount : {$830.00} According to my analysis/breakdown of the Escrow amount it's enough to cover my Property Tax/ MUD Tax & Insurance , PMI Property Tax : {$3800.00} MUD Tax : {$2700.00} Insurance : {$1700.00} PMI : {$1600.00} Total {$10000.00} XXXX / XXXX {$830.00} monthly escrow amount for a NEW monthly mortgage amount of {$1800.00} However, they claim we are short in the amount of {$3700.00}. Flagstar made a payment to our MUD tax in the amount of {$2700.00} that overdrew the escrow account by {$1400.00} which we paid this week, this included an amount of {$800.00} that we had in excess {$1400.00} + $ XXXX {$2200.00} ( for MUD ) still short {$450.00} does if the Escrow account was to honestly be short it would have been {$1900.00} which means I still owe {$450.00} True Shortage. 

Their calculations are way off. I would like this to be researched & corrected. The amount they claim we are short is an amount as if we had purchased another property makes NO sense! 

Regards, 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 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX stating my next payment was due, and that I was " currently past due '' in the amount of {$120.00}. 

On XX/XX/XXXX, I made a payment to XXXX in the amount of {$120.00}, using a debit card on their website. My principal balance on this date was {$2100.00}. 

On XX/XX/XXXX, my regular payment of {$100.00} was due. 

On XX/XX/XXXX, I received a noticed from XXXX that my loan was being transferred to another company called XXXX, or XXXX and XXXX XXXX in XXXX  XXXX. I did not agree to this transfer. Based on their email, XXXX  would take over the loan on XX/XX/XXXX. 

On XX/XX/XXXX, I received a statement from XXXX, stating that I had {$310.00} worth of late fees. How is it that XXXX stated I was past due {$120.00} on XXXX, but my XX/XX/XXXX statement from XXXX  says {$310.00}? Where did they come up with this amount in XXXX  days? 

I have attempted to resolve this directly with XXXX  ( as XXXX refuses to discuss anything with me ), as well as a complaint to XXXX  in XX/XX/XXXX. I have sent statements, as well as payment receipts to XXXX. XXXX  continues to state that " the late charges based on what XXXX sent to us. '' However I received NO correspondence from XXXX regarding this amount of late fees. With XXXX, the late payment charges were ALWAYS ADDED to the actual amount due. I've asked repeatedly for documentation ; XXXX  also refuses to give me a copy of the documentation XXXX sent to them. The only documentation I have received regarding these late fees is from XXXX. 

My complaint would be against both companies, XXXX  and XXXX  ; XXXX  for giving an extremely short notice of this transfer, and XXXX  for tacking on errorneous charges and reporting false information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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 2023-01-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I called to ask for a temporary deferment as i am struggling financially. My husband is injured and only receiving partial salary which has put the obligations on me that we usually split. I asked for temporary help as he should be returning in two months or so to full time and we will be OK. I spoke to an agent who kept telling me i had no options because my account was current and the only thing i could do if i wanted help was let me account go delinquent. I knew that could not be right so i asked for a supervisor. i then got XXXX XXXX, who treated me like a degenerate, embarrassing me for even asking for this temporary assistance. Initially, he confirmed what the representative had said i could apply for a deferment once my account wad delinquent. i explained i was calling now, XX/XX/XXXX because my next payment is XXXX. XXXX and i pay half the first two weeks of the month and half in the end of the month. If i waited passed XX/XX/XXXX and the deferment was rejected, i would owe the entire amount and be in a worse financial position. also explained in my condition i did not want that kind of stress and may be unable to call in at that time. He made terrible comments to me like " you knew these payment would be owed when you got XXXX '' and " your responsible for 48 months not your husband '' talking down to me making me feel worse about a situation thats already embarrassing. i KNOW my obligations and always pay my bills and called in timely to make sure to take care of this in advance. it is unconscionable that i would have to let my account be delinquent to get any assistance as if i am punished for paying timely and upholding my obligations. I am also disgusted with the way XXXX XXXX spoke to me and he needs to be in additional training and perhaps remember customer service involves human beings. The things he said and the derogatory comments which i recorded to a good customer and XXXX woman were UNACCEPTABLE. no one should ever be treated that way.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I filed a complaint and the number is XXXX After providing my feedback yesterday XX/XX/ I got home and there was a statement in the mail from Bank of America with and account number and a negative balance of $ XXXX. They were supposed to close the account altogether and that has not happened. Even after they sent me a letter stating they could not verify my identity so they were closing the account, it still remains open.

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