vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022, I received a refund from my XXXX- " XXXX XXXX '' for services not rendered for the amount of {$2100.00} using my debit card information they deposited the refund in my checking account ending # XXXX with Bank of America On the morning of XX/XX/XXXX, I received a notification that my account was overdraft. I also noticed two of my payment were returned. I immediately noticed that the orthodontics office charged the account for the same amount I got credited. I notified the Orthodontics office via email and over the phone and on both occasions, they denied that they made the charges. Same day I called the bank and submitted a dispute of the charges, they indicated that this will be investigated and that will take up to 45 days to complete such investigation in the meantime the account was on negative {$1300.00}. I followed up a few times with both the bank and XXXX XXXX and both keep blaming each other for this transaction. 
I visited two different branches of the bank, and instead of reviewing the evidence they keep directing me to the claim dept. which can only take faxes, do not email or calls. 
I sent at least 5 faxes with ample evidence showing emails. I received a few letters stating that a credit was generated but I never received such credit. In XX/XX/XXXX I received a call from the bank stating that they realized this was a mistake and that the claim will now go to a different department for review but that never happened. On the morning of XX/XX/XXXX, I found out that the bank was closed and reported to the XXXX XXXX for " abuse ''. 
Bank of America never contacted me asking for my evidence or to discuss why they closed the account. I have all the emails between the orthodontics practice and myself and all the faxes and letters I sent to resolve this matter with the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westcreek Financial
State: GA

Complaint narrative:
My daughter XXXX XXXX and I XXXX XXXX have fraud to report about a company furniture was sent to my address in my daughter 's name that we didn't want to be sent to us we tried reaching out to XXXX which is a lease company to come and pick up this furniture I also made a police report XXXX said they can't pick up the furniture because this is a fraud investigation my daughter never placed this order and XXXX said its in her name from a company called XXXX XXXX and XXXX XXXX said that this furniture order was placed by XXXX XXXX XXXX didn't give permission for the seller to use XXXX 's identity or myself. The items were sent to my address in XXXX ga my daughter XXXX lives in Minnesota and was never in possession of the items. XXXX says these were leased to XXXX XXXX we never gave the seller at winder mattress permission to use our identity. XXXX reported on my daughter XXXX 's credit report that a balance of XXXX is needed and is past due. I have filed a police report and we are disputing this on our credit and we want the furniture removed from the property. XXXX needs to know that my daughter never placed this order

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: GA

Complaint narrative:
Contacted company and was gave them concerns regarding account being continuously reported to credit bureau due to negative impact on housing market. Confirmed that they sent in a request for negative reporting to end for account, however it is still showing as negative on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: GA

Complaint narrative:
Contacted company and was gave them concerns regarding account being continuously reported to credit bureau due to negative impact on housing market. Confirmed that they sent in a request for negative reporting to end for account, however it is still showing as negative on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
An account was opened XX/XX/2019 with Capitol One Bank. The address attached to the account was in XXXX, Texas. I never lived in XXXX, Texas. I never opened an account with Capitol One. 
My sister recently placed me on her accounts as an authorized user and neither of us ever lived in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Open checking account on XX/XX/XXXX over the phone, received account number through mail XX/XX/XXXX, funding acknowledges XXXX. Deposited {$200000.00} to receive {$1500.00} bonus. Called to confirm XX/XX/XXXX and told good and given promotional code. Called in early XXXX to confirm credit to occur XX/XX/XXXX. Received online message after call on XX/XX/XXXX after not seeing credit on account that deposit did not meet 20 day deposit qualification ( 22 days ). XXXX flier states 30 day balance requirement if account opened over the phone. Account opening package not mailed from CITI until XX/XX/XXXX so did not have signature card or account number until XX/XX/XXXX. Multiple calls on XXXX, XXXX and XX/XX/XXXX did not resolve issue. Refuse to acknowledge or define " open account '' date. I was not about to send a check for {$200000.00} without written confirmation of account open and account number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: CA

Complaint narrative:
I received a Cash App XXXX XXXXXXXX  card that I did not request via USPS on XX/XX/2022. 
A form of my name is printed on the card, along with what appears to be a username for a Cash App account, which I do not have. I believe a fraudulent Cash App account has been opened using my identity to allow criminal mobile phone payment activity to occur. This XXXX XXXX card is a compliment to the mobile app account that was fraudulently opened and I only discovered this because it was sent to my home address. I contacted Cash App Support on XX/XX/2022 at XXXXXXXX XXXX and spoke with a Customer Service Rep regarding this suspected fraudulent activity. During this difficult customer service call ( the rep had problems correctly recording my legal name and email and I did not have the impression of complete understanding of my issue ) I requested that the card and account be closed ASAP. She sent me an email with a link to upload photographs of the Debit Card to begin the process of disabling it, which I submitted on XX/XX/2022 at XXXX XXXX. Nothing was mentioned about disabling the associated fraudulent Cash App mobile phone account so that is one of the reasons I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
On XX/XX/2021, My husband ( XXXX XXXX ) purchased a home for XXXX located at XXXX XXXX XXXX, XXXX Florida. 

In XX/XX/2021, we received an email from XXXX XXXX ( the attorney who handled the closing ) stating we owed her XXXX. I asked XXXX XXXX for a full accounting of my escrow account. XXXX XXXX did not provide any proof the escrow account had any missing money and proceeded to sue me for the XXXX. 

I retained a lawyer in the suit and began research on my case. My attorney XXXX XXXX initially believed I should settle my case with XXXX XXXX. I provided XXXX XXXX with my research and explained we had RESPA, TILA, and TRID violations. XXXX XXXX then conducted his own research and concluded that several mistakes were made at closing that contributed to the errors. One of which was the Lender Veterans United did not follow the 3-day rule with my mandatory disclosures. My closing was on the same day as the disclosure. 

My attorney and I added Veterans United as a third party to the lawsuit. Veterans United failed to respond to our complaint and a clerk 's judgment was issued against them. 

The issue at hand is that veterans united did not follow the rules and issued a buyer 's disclosure with an incorrect purchase price. XXXX XXXX did not find the error at closing and did not balance the escrow account after the transaction, and in the following months. It took XXXX XXXX 6 months to notice the account was missing funds. However, at this point, it is just an allegation at this point because XXXX XXXX has not provided any financial records to substantiate her claims. 

My husband and I are both Veterans and we used our VA benefits to purchase this home with XXXX down, I paid XXXX as earnest money that should have been returned to me in full at closing. Due to the errors made by Veterans united and XXXX XXXX, we did not get refunded our XXXX at closing, and have attorneys fees associated with defending ourselves from their errors. 

We believe Veterans United must fix this problem. We believe XXXX XXXX and Veterans united are both time-barred from collecting the XXXX. 

My husband and I are concerned that Veterans United and XXXX XXXX will drag out the court proceedings in order to bully us into a settlement. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Veterans United is a big corporation. As such we request the CFPB to assist us. A homeowner should not be on the hook for errors caused and created by the mortgage lender six months after the purchase of a home. 

Respectfully, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I canceled the external bank transfer of {$15000.00} on XX/XX/2022, but the fund is still unavailable ( pending ) as of today ( XX/XX/XXXX ). I have contacted the representative via online chat or phone 3 times since XX/XX/XXXX, and each time I was given the misinformation that the transaction would be settled within a day or two. On XX/XX/XXXX, a representative told me I need to wait, and after I complained about my experience, he transferred me to someone in the dispute department, who told me that I need to file a dispute instead. The information is very confusing and contradicts each other. 

Moreover, I was unable to add another external bank account ( XXXX XXXX ) to my Citibank online. I believe Citibank is creating obstacles for linking external banks that do not use XXXX. ( Error message : " Access Blocked For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code 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 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2022 I used Venmo mobile app to make a payment of {$1000.00}. The balance of my Venmo account was sufficient to cover this payment. Venmo made the payment of {$1000.00} using the money in my Venmo balance but then made 2 attempts to debit {$1000.00} from my linked bank account resulting in a {$30.00} insufficient funds charge each time. 

I contacted Venmo and they stated I could NOT use my Venmo balance to make payments which is why they twice attempted to take funds from my linked bank account. I pointed out that Venmo HAD used my Venmo balance to make the payment but then still kept attempting to charge the same amount from my bank account. The Venmo representative stated that additional verification would be required to be able to pay with funds in my Venmo account and directed me to the additional verification setting in the Venmo App. The additional verification page only had a statement saying that the additional verification would help improve security but had no mention that it was required to use my Venmo balance to make payments. 

Venmo has deceptively structured their system so that money paid in goes to their own Venmo account instead of being automatically deposited into the linked account but money paid out is automatically taken from the linked bank account instead of being paid from the customer, s Venmo account balance. Additionally, they have purposely denied the ability for a customer to use funds in their Venmo account during initial customer setup and hidden the setting in their app behind a setting that only has a description of providing additional security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnishes an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
XX/XX/2022 called loan company to report that a loan/lease was reporting on my credit report that was not mine and was told that I had to call credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: WI

Complaint narrative:
I saw an online advertisement for US Bank with 0 % interest for 24 months period back in XXXX XXXX XXXX I applied with the goal of doing a balance transfer XXXX XXXX XXXX  and got approved. I initiated the transfer on the same day as I applied, carefully reviewed my application, and did not see any mention of any additional fees. 

It took US Bank almost a month to complete the balance transfer, which was posted on XX/XX/2022 and at the same time {$150.00} " Transaction Fee '' was added to my US Bank credit card balance. 

I called US Bank XX/XX/2022 and asked for the removal of the {$150.00} " Transaction Fee '' and was told by the customer support 's supervisor this fee can not be removed. 

I see this as a potential violation of Unfair, deceptive, or abusive acts and practices ( UDAAPs ) Dodd-Frank act, where the bank is not clear and upfront about additional fees in their advertising and application practices. 

I would not have applied for US Bank 0 % credit card if I knew " Transaction Fee '' will be assessed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Fay Services is supposed to escrow for both taxes and insurances for my account. They have been taking money out of my account for escrow and not paying my insurance or taxes. After a long battle with Fay Services they sent me a check for my homeowners insurance. At first they said my account has only been escrowed for taxes and that's why insurance is not being paid. Now they are saying my account is set up for insurance but not set up to escrow taxes. According to my closing documents and the people serviced my loan before them my account is supposed to be setup to escrow both INSURANCE AND TAXES. They are illegally not following the rules of the closing documents which states that escrow be collected for BOTH HOMEOWNERS INSRUANCE AND TAXES. This company has not followed the rules of the closing documents and are choosing to break the law. I've asked them to review the documents and update the account and do an escrow analysis a lot of times but they refuse to do that and instead make excuses and lie and say the account has not been setup for escrow. Instead of reviewing the closing documents that I signed and setting up the account correctly By law they are not allowed to setup the account the way that they choose to, they have to follow the documents that I signed. Now they have sent me an escrow surplus check of XXXX XXXXand cant tell me if its money that actually is owed to me or if its a mistake on their end and they should have kept it in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: IA

Complaint narrative:
All three bureaus Trans Union, XXXX and XXXX are reporting incorrectly on credit report. previously account was stating account status of derogatory by all three bureaus with a date opened of XX/XX/XXXX by TransUnion XXXX XXXX and XXXX reported XXXX XXXX. Account with stating as payment status of collection/Charge off and derogatory. reporting date of last payment of XX/XX/XXXX by Trans Union and XXXX while XXXX reported date last payment of XX/XX/XXXX, XXXX on the other hand payment history was reporting OK as agreed by XXXX XXXX XX/XX/XXXX all the way through XX/XX/XXXX while XXXX reported consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. Making no sense with data reported on date of last payment dates do not make sense do not match. after I dispute it with all three bureaus for inaccuracies results came back still incorrectly. Data that was being reported on date of last payment has now been removed leaving nothing to show by all three bureaus. Payment history, XXXX deleted OK as agree and replaced it with consecutive charge of all the way. This is not acceptable and I do not tolerate this type of inaccuracies. Account is now reporting a account status of being closed by all three bureaus and XXXX and XXXX have have change the date open to XXXX XXXX, XXXX. Stating incorrect date last active. There is no way that all three bureaus can be correct if information is coming from the same furniture data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 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: IA

Complaint narrative:
All three bureaus XXXX XXXX, XXXX and Equifax are reporting incorrectly on credit report. previously account was stating account status of derogatory by all three bureaus with a date opened of XX/XX/XXXX by XXXX XXXX XXXX and Equifax reported XXXX XXXX. Account with stating as payment status of collection/Charge off and derogatory. reporting date of last payment of XX/XX/XXXX by XXXX XXXX and XXXX while Equifax reported date last payment of XX/XX/XXXX, XXXX on the other hand payment history was reporting OK as agreed by Equifax from XX/XX/XXXX all the way through XX/XX/XXXX while XXXX reported consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. Making no sense with data reported on date of last payment dates do not make sense do not match. after I dispute it with all three bureaus for inaccuracies results came back still incorrectly. Data that was being reported on date of last payment has now been removed leaving nothing to show by all three bureaus. Payment history, Equifax deleted OK as agree and replaced it with consecutive charge of all the way. This is not acceptable and I do not tolerate this type of inaccuracies. Account is now reporting a account status of being closed by all three bureaus and XXXX and Equifax have have change the date open to XXXX XXXX, XXXX. Stating incorrect date last active. There is no way that all three bureaus can be correct if information is coming from the same furniture data.

Company response to consumer: Closed with explanation