vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We had two separate occurrences with Bank of America with our account being XXXX, the first one was in the amount of XXXX, the fraud department put a stop on payment .The second time was on XX/XX/2024 in the amount of XXXX, again the fraud department put a stop on payment and closed our account informing us that we would have to open a new account. Both times the customer service at the bank was less than desirable. The people in the office seemed to not want to acknowledge us when we entered the bank instead they were sitting in their offices. We asked if someone can assist us and was informed to have a seat and someone would be with us shortly. After a 20 minute wait we were acknowledged and directed into an office where the person called the fraud department, this person left us in the office on the phone, we explained to the fraud department what transpired with our account and was informed they would close this account and open a new one which the person at the bank could do for us, when we informed them that the person left us in the office by ourselves, she said she could not believe we were left unattended and asked to speak to the individual that placed the call, we informed the person and she sent in another person, the fraud department personnel informed this individual who they were speaking with that they were on a recorded line and asked them if they would assist us in opening a new account, the person informed them they did not have anyone at the time that could assist with this request to which the fraud department person could not believe they just told her that. We were informed from the fraud person to remove ourselves from this bank location and apologized for the inconvenience. We went to their other location and the bank was closed with no notification on their door.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX XXXX XXXX XXXX XXXX XX/XX/22. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Company is used used as a payment gateway ( credit card processing ) for registrations my businesses I receive from regfox.com. In XX/XX/XXXX I was contacted by WePay support indicating to update bank account information because deposits were being declined. Through communications with WePay support it was determined that my bank account ( XXXX XXXX XXXX ) was changed without my authorization on XX/XX/XXXX to a Chase account and all monies from that time until XXXX XXXX were fraudulently routed to the account instead of the correct, XXXX XXXX XXXX account where I received deposits without issue since using WePay 's services. 




I have documentation from WePay support on XXXX asking me to reverify my identity and banking information. This was done as requested and on XXXX I received noti cation from WePay that they were successful in verifying my identity and correct banking information. After that veri cation from WePay that my account was in order, I continued to receive regular email noti cations that monies were being deposited in my account. It was not until I received the noti cation from WePay in XX/XX/XXXX that I was aware that no money was being deposited into my account. The total amount of fraudulently diverted money is ~ {$100000.00}. The exact amount missing is still being calculated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Accordance to the fair credit reporting act these creditor Credit Acceptance and XXXX XXXX ( original Creditor : XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states. I have the right to privacy. 15 USC 1681, section 604a section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under open and consumer credit plan as late of any purpose.

( 1 ) Credit Acceptance : Shows as if I have not been making payments, payments on time and that Im behind 24 months of payment which is not true. Ive call about this matter. Nothing has not change on my credit report. Credit report shows XXXX of XXXX until now I have not made payments ETC ( 2 ) XXXX : ( original creditor : XXXX XXXX XXXX XXXX ) During this time. I was XXXX From XX/XX/XXXX to XX/XX/XXXX Which shows and means I was a XXXX of the state. All medical and medications was covered and Insurance by the state. Also this is over 2yrs

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 2024-01-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I bought a Amex gift card for my daughter for XXXX. We tried to make a XXXX purchase it declined payment. I checked the balance she had more than enough. Her balance was {$50.00} her total was {$8.00}. I was told it gets blocke by XXXX try another merchant. I tried XXXX and it was declined. I swiped at XXXX  it was declined. When call customer service Im told it has a balance and its the merchant. Call the merchant and they advise Amex is not letting the card go through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2023, I applied on line for an XXXX XXXX credit card. I submitted the application because the offer included several perks, like XXXX frequent flier miles bonus and free checked luggage. 
Although I have a credit score of XXXX out of XXXX ( please see the Credit score attachment ) Citi bank swiftly rejected my application. Citis rejection pretexts were XXXX ) I have a high amount of unused credit and XXXX ) I have recently opened one or more accounts ( please see the attachment titled Citi rejection letter. ) Actually, this rejection is an attempt to force me to borrow directly from Citi! Since my XXXX application Ive been deluged with Citi offers for loans and even a new Citi credit card. As examples, please see the attachments Citi loan offer and Citi new credit card offer.

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 2024-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I called Wells Fargo to ask to skip one payment on my mortgage which was a program they offered in the past as a courtesy. Wells Fargo would add the excused payment to the end of the loan. Was advised bu the home preservation rep they no longer offered that program but referred me to NC XXXX XXXX XXXX and said no negative credit reporting would happen while in the program on numerous occasions. On the referral from Wells Fargo I enrolled in the NC XXXX XXXX XXXX which was in contact with Wells Fargo and notified them I was in the program and payment would be processed. I was approved for XXXX months of assistance and the program would forward payments directly to Wells Fargo. I was in constant contact with Wells Fargo during the program ( which Wells Fargo should be able to pull ALL the calls made to their XXXX XXXX department since they are recorded. Wells Fargo pulled one call in XX/XX/2023 and stated no one said no bad impact to my credit which I contest ) and was told the NC XXXX XXXX XXXX would take a few months to process the payment to Wells Fargo and there would be no negative impact to my credit. Wells Fargo with knowledge of me being enrolled in a program they referred me to, and mortgage payments were going to be paid, reported me late to credit bureaus and ruined my credit on purpose. When full payment was made, Wells Fargo never reported the payments to the credit bureaus without me contacting them and complaining that they received all their money to date.I have attached the Award letter from the NC XXXX XXXX XXXX that Wells Fargo also received on my behalf. Wells Fargo caused me financial harm which proves they should be put out of business. They participate with bad business practices and do not care about their customers at all. Please investigate how many innocent consumers who sought out help from Wells Fargo, were referred for that help and then purposely harmed financially by Wells Fargos Actions. There is no excuse for their actions. I hope the XXXX XXXX XXXX will protect us consumers and go after Wells Fargo once again with their history of fraud and bad business practices.

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 2024-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PatientFi, Inc.
State: CA

Complaint narrative:
The payoff design for the website makes it so that overpayment is way too easy to do. I clicked pay off amount, they gave me no feedback that the button was pushed. I pressed it again, and then I got an email. I overpaid the loan amount by {$3200.00} on XXXX XXXX, and they are currently holding that money hostage. They say that I will receive a check within 30-45 days, but there are multiple reports that months goes by without any response from the company. They sometimes respond to others stating that, " A check has been issued on XXXX or XXXX '', but the person is waiting for an additional month to two months before saying they never received it. I am currently waiting on day # 32 after overpayment. I have sent them two messages on their website and those got 0 response. I got on a chat window with them and they replied that I will get a paper check. It's my current belief that they are harboring overpayment and holding it hostage from many borrowers and using this money to gain interest. Banks have to reissue overpayment on credit cards within 7 business days. Why is this company holding money for months on end?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
nefarious company called lexisnexis risk solutions, XXXX XXXX XXXX XXXX XXXXXXXX, never heard of them, I did not authorize this phony data broker to collect information on me, or masquerade as a credit bureau, there website says insurance and criminal investigations, WHY would I give these clowns my personal information so they can surreptitiously open there own file or account using my name? HOW illegal and stupid is that? This name popped up from XXXX XXXX denial letter? I want any/all information deleted, I never gave these conniving data brokers my permission to XXXX open any phony nefarious file on me/ Nobody has heard of them? WHY is that????????

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Mr. Cooper XX/XX/XXXX. 
MrCooper 's escrow analysis from XX/XX/XXXX provided me a check for a {$1400.00} surplus. I recognized this was in error because they had incomplete information from XXXX XXXX on Tax Payments. I called the company, with great difficulty getting through their automated phone services, and explained the mistake and asked if I should return the check or deposit it. They said it was Ok to deposit the check and they would do an updated Escrow analysis when they had complete information. If I then owed them I could send money back. 
XX/XX/XXXX the new Escrow analysis showed a short fall and I mailed them a check for the amount requested, {$420.00}. 
XX/XX/XXXX I noticed looking at my bank account that the {$1400.00} surplus escrow check I deposited XXXX/XXXX/XXXX had been reversed XX/XX/XXXX due to a stop payment. 
At no time did Mr Cooper communicate that the check they sent me would be stopped even though I proactively called them to discuss. The automated system hung up on me when it did not recognize " XXXX '', " Customer Service Rep '' or " Speak to a person ''. 
I understand errors happen, but canceling the check they sent me could have resulted in serious down stream effects with me bouncing checks. I have many accounts and the money might not have been in the right place since I thought I had funds. Very poor communication and disregard for the impact to their customer. This likely happened to many mortgage clients and they should have done a specific communication about the issue and options for how to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I called XXXX XXXX alerting them to my address change so I knew this insurance company had updated information. Apparently, the bill that XXXX sent mis-filed to a mortgage account I had closed and CMG Mortgage did not pay the renewal bill. On XX/XX/XXXX, CMG Mortgage issued a check in the amount of {$2700.00} to a re-insurance company, XXXX XXXX. When I noticed the error, I spent over five hours on the phone and was promised the situation would be taken care of and my escrow account would be credited for the {$2700.00} and a check in the correct amount of {$1500.00} would be sent to the correct home insurance company. I then received my monthly statement for XXXX and in that statement was a notice that my escrow was being increased {$240.00} a month due to this bank error! On XX/XX/2024, I spent another 2 hours on the phone to be told that XXXX XXXX, which was incorrectly sent the payment, has the money in a suspension account and they can not tell me when a refund will be issued. In the meantime, I was told by CMG Mortgage that I must pay the increased mortgage/escrow payment or the account will be considered delinquent. 
No human on this planet has enough patience to deal with this kind of negligence. I requested to speak to an Ombudsman or a CMG representative in their legal department and was told they don't have one. I need help or an advocate to help me with this as I can not afford this increase, nor do I owe this money to CMG mortgage. Please help me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I used a Capital One card to pay for a 3-month engagement with a merchant ( XXXX ). Each month, I was billed {$3900.00} in exchange for a Conversion Rate Optimization program. 

The merchant guaranteed ( in writing ) a 100 % increase in my conversion rate or my money back. At the end of the 3 month period, they had delivered only a 3 % increase. So naturally I asked for a refund. The merchant requested that I allow them a 4th month to try to deliver on the guarantee. I agreed. At the end of the 4th month, they had still only delivered a 3 % increase. Again, I asked for a refund. This time, the merchant refused to issue a refund. 

So, I turned to Capital One to open 3 disputes ( for {$3900.00} each ). I provided Capital One with all of the requested information by the deadline. A week later, Capital One rejected my dispute -- claiming that I needed to submit an invoice. It's important to note that their original documentation asked for an invoice OR a purchase agreement. I had provided the latter. 

After this rejection, I supplied an invoice and reopened the case. Two weeks later, Captial One responded rejecting the dispute once more. This time, they claimed I had missed their internal deadline. It's important to note that this internal deadline was never once communicated to me. Now, Capital One refuses to open the dispute on my behalf. 

I had a very simple open-and-shut dispute ( the money-back agreement is in writing ) worth {$11000.00}. Yet Capital One stood in my way at every turn. Their internal deadline and their failure to communicate it to me have now cost me a very significant amount of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of myAmRentreport sent to me via mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I filed a complaint last year with XXXX and the issue remains unresolved. I had two loans serviced through them that were discharged and XXXX  out, but the full balance and no change was made as promised by them on my credit report. I received a copy of the letter that was sent from them and the Dept of Education in XX/XX/2023 that confirmed the discharge/forgiveness of these loans in full. The document is password protected, so I had to use screenshots from it which I included as attachments for this case. In this letter, it was promised that these loans would be taken off of my credit report within 60-90 days of the letter being sent. It is now well beyond that timeframe and the loans remain on my credit report with the full balance intact. 

I have tried to contact them directly numerous times, and just the same as before, I can never get through to anyone via email or phone. I worked with a representative from XXXX previously in XX/XX/2023 when I filed my initial XXXX  and CPFB complaints. She had also assured me that these loans would be taken off my credit report from XXXX by XX/XX/2023 at the latest, as that would mark the full 90 days from when the letter was sent to me initially. 

Additionally, I've also disputed through TransUnion several times, with one being recently, and XXXX is still claiming that the information on my credit report is correct with the full balances. The balances on my XXXX online account are XXXX  out as well, so there is no reason why this same information shouldn't be reported accurately through the credit bureaus. It is THEIR responsibility to remove these and report accurate information and they are straight up LYING to the credit bureau and getting away with it. I will also be filing another complaint with the XXXX and attorney general to make sure this gets resolved. If it doesn't, I am more than happy to take Aidvantage to court for these illegal and shady business practices.

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