vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
This mortgage company wants to charge is XXXX more a month for escrow shortages and when we ask what is from we always get a new answer. First they said they made three homeowners insurance payments in a span of three months and wants to say its our fault. Now they are saying that they refunded the seller the escrow and that we agreed to it in the purchase agreement which I didnt. We are asking for proof and still no answer. Who agrees to refund the seller escrow for a year of taxes on a home you just closed on in XX/XX/XXXX. Closing is another thing we closed in XX/XX/XXXX and made us paid more the mortgage payment on XXXX but they told us we couldnt move until the loan assumption was finalized. So we closed in XXXX and they didnt let us move in until after XX/XX/XXXX. 

Here is an email I sent them last week and still have received a response from them : I wanted to make you all aware of a major problem I am having with my escrow and ask for your assistance. Flagstar bank is telling me that I have a {$10000.00} shortage on my escrow account because of multiple erroneous insurance payments. 
According to the customer service rep we spoke to this morning, one payment was made from the escrow account in XXXX prior to my closing in the amount of {$2600.00}. 

Another was made on XX/XX/XXXX for {$3000.00} to XXXX also prior to closing. 
Another two were charged to the seller at closing in the amounts of {$3300.00} and {$3000.00}. These two amounts originated because we got two quotes. Even though we told multiple people at Flagstar in phone conversations and in email, that we were only going to go with the XXXX ( underwritten by XXXX ) quote and the other ( XXXX underwritten by XXXX ) should be disregarded. These should have never been charged to the seller, but since they were. We were instructed to wire an extra {$6400.00} after closing to cover their erroneous charges, and then request a refund from the insurance company we were not going to use. So that is what we did and we did receive the refund from XXXX for {$3300.00}. 

The {$3000.00} and the {$3300.00} are both noted in the closing disclosure erroneously. The {$3000.00} was refunded to Flagstar on XXXX. 

Was the {$3300.00} refunded to the seller from the escrow at closing but possibly not recorded? 

We do not have any accountability of the {$2600.00}. Logically we can assume that it was a normal scheduled insurance payment from the sellers escrow before they sold the house. They should have been refunded the prorated amount for XX/XX/XXXX- XX/XX/XXXX. If the refund went directly to the seller then the escrow account should never have credited that amount to the seller, essentially paying them twice. 

This was there first explanation of the missing funds and now they are saying something different.

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 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Netspend Corporation
State: FL

Complaint narrative:
XXXX XXXX and XXXX XXXX claimed to be leasing agents saying if I paid the {$3200.00} I would get keys to the apartment at the XXXX  XXXX XXXX XXXX in XXXX. After I paid the money I never got the keys

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Wells Fargo I have had an account with since 2013. I signed up for checking that was free as long as I used 10 debits a month. I receive tips as payments and unknown to me, I was being charged a service fee every month because it changed without notifying me. I had no idea I was being charged because it was not described on my account. I had overdrafts because of this. The new policy said if I had direct deposit I wouldnt be charged but I did not sign up for this. I dont get a paycheck because I make tips through my job as a bartender. It is not clear to me how long I was being charged. Im not sure when the change accrued. I called to complain and one lady called me a liar and the other one said they switched. I should have had a free account as long as I used my Debit card 10 times a month.

I guess they were forced to disclose this charge eventually and i thats when I found out about tbr fees being taken without my knowledge or consent.

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 2023-08-07 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover allowed some one who was not Authorized on my account to make payment to my account and made purchases on my account .I wasn't aware at that time that my account was compromised so when I filed a dispute Discover went against their customer and tried to make me pay for the fraudulent charges .This company don't care about they customers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Not my purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: CA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate credit information. 

Account : XXXX XXXX XXXX Late Payment : XX/XX/2022, XX/XX/2022 {$520.00} The account payments were deferred and no payments were due at the time. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened the account in XXXX, ( Acct # XXXX and savings # XXXX ) I funded it through direct deposit from my XXXX XXXX XXXX. I made XXXX XXXX payments to my new landlord on XXXX and XXXX for {$500.00} and {$600.00}. I woke up on XXXX and my account was blocked and set to be closed in XXXX days. There was no notice, no warning, nothing and they won't allow me to retrieve my money. I spoke with numerous people on XXXX and XXXX they all refused to help me and hung up on me. So I reached out to the Executive Response Unit for help. They took my information and gave me a reference number : 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 2023-08-07 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

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 2023-08-07 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: Synovus Bank
State: OH

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer reporting agency has committed a form of identity theft. They receive not ANY written instructions/consent from me to report. They consumer reporting agencies have also not provided me with any proof they receive written INSTRUCTIONS from 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 2023-08-07 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: GA

Complaint narrative:
Consumer reporting agency has committed a form of identity theft. They receive not ANY written instructions/consent from me to report. They consumer reporting agencies have also not provided me with any proof they receive written INSTRUCTIONS from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have bought a flight ticket to my sister in low on XX/XX/XXXX via XXXXXXXX XXXX from XXXX to XXXX. round trip from XX/XX/XXXX to XX/XX/XXXX the ticket with XXXX XXXX. Since I booked the ticket until 2 weeks before the trip there wasn't any notification that my sister in law needs a transit visa from the XXXX XXXX in XXXX. Evidence 2 is the ticket that we printed on XX/XX/XXXX it doesn't have any notification about the transit visa. Evidence 1 it is the ticket on XX/XX/XXXX and there is a notification that a transit visa is required, then I called XXXX XXXX  they told me I need to call XXXX XXXX. I called XXXX XXXX and they told me they are not sur and I need to contact the XXXX XXXX in XXXX. I have emailed the XXXX XXXX in XXXX and they confirmed that my sister in law needs a visa and it takes at least a month to schedule it. We don't have enough time to schedule an appointment to get the transit visa and I asked for a refund XXXX XXXX refused. they can give me only a credit that I have to use before XX/XX/XXXX and only for XXXX. My sister in law XXXX can come only during the summer since she has XXXX kids on Schools in XXXX, and this visit just during the school vacation. I called XXXX XXXX and they told me I need to call XXXX XXXX to get the refund. I called XXXX XXXX  and they told me I need to deal with XXXX XXXX since they have the money. I report dispute with my Credit Card bank and I am not sure if they can help me or no since the transaction from XX/XX/XXXX. I am asking for a full refund since XXXX XXXX  did not provide the entire information abut the trip and the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
In XX/XX/2023, when logging into my American express account online, I received a popped up invitation to apply for Amex XXXX XXXX that has a sign up bonus offer of XXXX points after XXXX spending in 6 months. I applied and got approved on XX/XX/2023. I was charged annual fee of {$690.00}. 

After the approval, on XX/XX/2023, I called American express customer service to confirm the term and condition of the sign up bonus, and the service presentative reassured me the offer is valid. I decided to keep the card and try to meet the spending requirement for the sign up bonus. 

After meeting the spending requirement of {$6000.00} on the card on XX/XX/2023, I called Amex again and was told I met the condition and the points can be credited anytime. 

I called Amex again on XX/XX/2023 when no points showed up, and was told again that I met the condition, and points will be posted in XXXX. 

On XX/XX/XXXX, I called Amex and the representative agreed that I should be credited and filed a case with # XXXX. I received a paper letter later saying they already credit me, which is not correct. 

On XX/XX/XXXX, I called Amex and the representative agreed again that the first letter is incorrect and I have not been credited. She helped to open a second case. I later received a paper letter saying I haven't met the spending requirement. 

On XX/XX/XXXX, I called Amex and the representative now says I do not qualify for the sign up bonus since I had another XXXX XXXX. I asked to cancel the card and get full refund of the annual fee. The representative refused to refund me the annual fee saying it has been more than 30 days. 

So in summary, I was tricked into applying for a XXXX XXXX and paid {$690.00} annual fee. I was misled by American express after calls and paper letter telling me I qualified for the sign up bonus. I never received the promised XXXX points. 

I am demanding American Express to either fulfill the condition and credit me XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report a delinquent account to XXXX, XXXX and TransUnion despite proof that the account was never actually late. The reporting of the erroneous late payment has not only impacted my credit score, but caused me to be denied a home mortgage loan.

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 2023-08-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report a delinquent account to Equifax, XXXX and XXXX despite proof that the account was never actually late. The reporting of the erroneous late payment has not only impacted my credit score, but caused me to be denied a home mortgage loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CLuisMortgages, LLC
State: FL

Complaint narrative:
I was given the clear to close for a specific date. At the time of the date and my arrival to the appointment I was told documents were not ready. I was promised by multiple people I would be receiving my keys at the appointment for signing. When all of a sudden was told that the seller was not going to give me the deed nor the keys at time of signing until they received their money. I have nothing to do with the title company holding the sellers money. The title company should be responsible for having my keys to hand over to me at closing. XXXX XXXX XXXX along with CLuismortgages , LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have never received, authorized, activated or possessed a credit card from XXXX but yet they continue to report an open account under my name.

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 2023-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have never received, authorized, activated or possessed a credit card from XXXX but yet they continue to report an open account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have never received, authorized, activated or possessed a credit card from XXXX but yet they continue to report an open account under my name.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
To whom it may concern : I was looking over my credit report and found some addresses that. 
Appear to be incorrect. I left the XXXX 6 months ago and want to delete all my old addresses in XXXX XXXX XXXX Oklahoma. I enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed, please ) : XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX There should only be one address listed on my report, which Is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Please remove inaccurate employer as well as listed below : THE XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. Thank You! 

Respectfully, 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
To whom it may concern : I was looking over my credit report and found some addresses that. 
Appear to be incorrect. I left the XXXX 6 months ago and want to delete all my old addresses in XXXX XXXX XXXX Oklahoma. I enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed, please ) : XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX There should only be one address listed on my report, which Is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX, XXXX XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, to make the process of deletion easier, here are the incorrect spellings I see listed : 1. XXXX XXXX 2. XXXX XXXX XXXX Please remove inaccurate employer as well as listed below : THE XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. Thank You! 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief