vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
XXXXCardinal Financial paid a renewal hazard insurance payment to a company I had cancelled with. I had secured a new insurance company. Because the old insurance had almost doubled in price, my escrow for hazard insurance almost tripled. My new insurance company has since requested payment. The payment for the renewal of the old policy has not yet been returned. I have had to put the payment back into escrow without the old payment having been returned to me. I asked that my escrow for hazard insurance be discontinued, since the error made by XXXXCardinal can potentially be repeated. I was told no. I do not want decisions regarding my finances being made without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
at work XX/XX/XXXX in XXXX washington at # # # # when a fraudulent charge of {$1000.00} was conducted on my credit card charged at XXXX  store # XXXX XXXX XXXX  NY. 
i filed a fraud claim with my bank when i got home and found the charge. 
the bank credited my money back and told me they will handle it. 
saturday the XXXX of XX/XX/XXXX the charge was reversed. 
i called on monday ( they aren't open on weekends ) and discussed the disputed charge and was told it was legitamate. ( its not ). that my card was used in a machine and the pin number was entered. 
BOA refused to fix the problem even though i told them how a XXXX search showed this as suspicous activty on multiple other peoples credit cards. i explained that i live in washington and have never been to NY nor did i authorise this transaction or give my card info to anyone else to authorise the transaction. they still refused. 
i even went as far as to ask them to reemburse my account and file a FDIC insurance claim with the federal government and give the info to the police department so they can catch the thief. again they refused.

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 2022-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I discovered the identity theft and notified XXXX XXXX XXXX on XXXX XXXX. After several months and contacts, I received a notice from XXXX that it is a fraudulent account and was closed. Today XX/XX/2022, I received a notice from a debt collector MRS BPO LLC that they are trying to collect {$200.00} on the account.

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 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
My card was fraudulently used in a XXXX in California. I purchased the card in XXXX North Carolina at a XXXX. I have the card and purchase receipts in my possession. I have submitted a dispute ticket with : DISPUTE RESOLUTION TEAM XXXX XXXX XXXX XXXX GA XXXX I keep trying to contact them and they do not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
I did a consumer credit transaction for the purchase of my home however I did not receive a meaningful explanation of the credit terms and I did not receive my right of rescission notice with rescission forms which are required material disclosures under federal consumer credit protection laws. This violated my rights under the Truth in Lending Act 15 USC 1635. MANUFACTURERS & TRADERS TRUST/ XXXX XXXX are the assignee 's of this alleged obligation and pursuant to federal law 15 USC 1641 ( c ) I have the right to rescind the consumer credit transaction against any assignee of an obligation. On XX/XX/2021, I, the consumer, exercised my right to rescind and rescinded this consumer credit transaction against MANUFACTURERS & TRADERS TRUST/ XXXX XXXX XXXX On XX/XX/2021 MANUFACTURERS & TRADERS TRUST/ XXXX XXXX received my affidavit and rescission of the consumer credit transaction. I have attached copies of the certified mail receipt and green return receipt for proof of delivery of rescission forms.

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 2022-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I was paid {$1000.00} for the settlement in the class action lawsuit, XXXX vs. XXXX. I chose to get my payment via PayPal, and set up an account to receive it. I was using the XXXX browser, which caused PayPal to be unable to determine my location. This apparently violates some sort of policy and they've banned me after receiving my {$1000.00} which they won't release. I'm currently homeless, and {$1000.00} would change my life. Yet PayPal continues to hold my money. I called customer service and they said this was in case of any charge-backs which won't happen due to the nature of the payment. I asked to speak to a supervisor and waited on hold for XXXX mins before getting hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Phh Mortgage/XXXX XXXX is the mortgage company I am dealing with for an insurance claim with water damage and construction. There is an escrow account because the insurance funds were endorsed to me and the mortgage company. 

The initial check of {$57000.00} was sent to the mortgage company and endorsed by myself and my public adjuster ( endorsed as directed by the bank, and in the same way the public adjuster has endorsed thousands of checks, including checks I have been able to deposit to my own accounts for housing loss of use without any problem ). The mortgage company first received the check on XX/XX/XXXX. Construction and demolition started XX/XX/XXXX. After a lengthy argument and multiple phone calls they would not accept the endorsement, sending it back on XX/XX/XXXX, received XX/XX/XXXX. I followed the mortgage co instruction for how they wanted the endorsement corrected and sent it back overnight mail for {$40.00} to be received XX/XX/XXXX. Once again they refused to accept the endorsement. I had the mortgage company and the owner/authorized signer/public adjuster on the phone together and they still refused to accept the check as endorsed giving different instruction for how they wanted it endorsed. Once again I received the check back and overnighted it again, which they indicate was not logged as received until XX/XX/XXXX. In the meantime I received another check for {$7200.00} that I sent in for endorsement by the mortgage company. I requested an inspection anticipating 5-7 days to schedule as outlined by the mortgage company on XX/XX/XXXX since our contractor anticipated 6-8 weeks construction or less. By making phone calls to the mortgage company every day, they finally released {$40000.00} which was received on XX/XX/XXXX. 

It took until XX/XX/XXXX and daily phone calls to get an inspection done to get the next funds released. My contractor had to slow work until I could provide more funds. On XX/XX/XXXX the check was mailed and I requested another inspection. Another check for 60 % of the work complete was received on XX/XX/XXXX. Again, there was a delay and it took until XX/XX/XXXX to get an inspection which indicated 90 % of the work was complete, therefore the rest of the funds should be released. As of today XX/XX/XXXX the funds are still being held and are supposedly pending the " inspection results '' which per the inspector were sent the same day as the inspection. They have approved an " emergency fund release '' of half of the balance to be sent today, but the remaining $ XXXX is still not released. The construction is wrapping up this week and PHH. Mortgage/XXXX XXXX are holding the funds hostage. These ongoing delays and inappropriate handling of funds is not acceptable, yet there is very little recourse that I seem to have to do anything about it. 

DO NOT work with PHH/XXXX XXXX if you want a fair and effective mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/21 I used XXXX XXXX to send money ( {$450.00} ) to someone for a XXXX gift. It all ended up being a scam and I never received the goods. The person ended up blocking me after hours of me trying to reach them so I no longer have any ways of contacting them. I reported the issue to XXXX XXXX  where they did absolutely nothing about it. They told me to just request the money from the person and to see if theyd refund me, which never happened. After several attempts to collect my money from XXXX XXXX, I ended up contacting my bank, Bank Of America for the funds. They told me that theyd investigate the situation only to turn around and deny my clam. I even tried to notify them as the payment was processing to see if they can stop and reverse the transaction. I need help. This is extremely unfair and {$450.00} is a lot of money to just lose.

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 2022-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I discovered the identity theft and notified BB & T/Truist on XXXX XXXX. After several months and contacts, I received a notice from Truist that it is a fraudulent account and was closed. Today XX/XX/2022, I received a notice from a debt collector XXXX XXXX XXXX that they are trying to collect {$200.00} on the account.

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 2022-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one is holding my credit balance of XXXX on my account for over 12 months ( since XX/XX/2021 ). I have made multiple request in writing and by phone for the refund to be mailed to me, but Capital one has ignored my requests without merit. This extended delay is unacceptable, unreasonable, and illegal! I previously filed a complaint about this under Capital One Case : XXXX - CFPB Case : XXXX. I received a reply on XX/XX/2021 stating : - We understand that you would like a credit balance refund. However, the funds are still under investigation. At this time, there is not a time limit on how long the funds will be held. Once the investigation is complete and the hold has been released, we will contact you. - Since XX/XX/XXXX, 2 additional ( 5 ) months have passed without resolution. - Respectfully, I would think that within these 5 months Capital one had ample time to completed the review. I do not believe you have any legal right or justification to continue withholding my funds. You have left me now without recourse because the merchant has been charged back and you are holding the credits for all this time. This is unfair and needs to be resolved without any further delay. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX CT # XXXX XXXX XXXX Texas, XXXX Chrysler Capital XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Acct. No. XXXX Amount : {$21000.00} Date : open : XXXX This Debt is not mine the company should have deleted this from my credit if it's not then I'm forced to file a complaint against your company. We will go to court if it's possible. This has hurt me someone use my Identity to get a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I have an HSBC advance checking and direct saving accounts open in XX/XX/XXXX. I close my checking and saving account on XX/XX/XXXX, but before I close all my accounts, The HSBC representative told me I can still have access to my accounts statements after account closing. Since all my statement is e-statement so I don't have any hard copy. Now I need to check my HSBC statement but I can not access it online since my accounts have been closed. I am giving misleading information before I close my checking and saving accounts, otherwise, I will save all my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: WA

Complaint narrative:
This account was closed and assigned to collections as per XXXX XXXX contact on XX/XX/XXXX NOT on XX/XX/XXXX of XXXX as I C Systems has reported. This debt was " Re-Aged '' as is an illegal practice and known to be used by collections agencies to try and collect possible old debts debts. 

The information on account number of XXXX and the date of XX/XX/XXXX was provided directly by a customer service representative today XX/XX/XXXX XXXX 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 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Harrassed for payments during deferral, sent misleading statements, no acknowledgement f market conditions.

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 2022-01-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Financial Guardian, Inc.
State: CA

Complaint narrative:
At the time if residency there where two young mgmt who where fired because if XXXX XXXX now when we moved out we left the complex clean no damages and we included out deposit to settle the months rent that was owed I had no knowledge of these charges or what their from I continue to ask them to verify proof of these charges but they still have failed Todo so these are unauthorized charges I have been trying to have removed from my account it also says it's a payment from XXXX of XXXX which is also false because it also says from XX/XX/XXXX these are falsely reported and I want it corrected this has affected me tremendously I haven't been able to get an apartment for my family because of this impact to my name we have been XXXX in a motel for two years now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX AM You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
XXXX, XXXX AM You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Sequium is reporting the same debt as XXXX collections. Sequium needs to remove this debt as soon as possible!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been attempting to get pre approved for a mortgage for 3+ months. Equifax has my social security number paired with the wrong credit report, so when I give them my SSN it does not reflect my accurate credit report. They can see my profile using my address but my social security is not attached to me. XX/XX/XXXX they told me to fax a copy of my ssc and ID with a letter stating what I needed fixed. I have done this 3 times and not once have they updated my information or can even find the sent in documentation. I attempted this 3 times over the course of XXXX & XX/XX/XXXX. I followed up after the last sent documentation from XXXX XX/XX/XXXX. On or around XXXX XX/XX/XXXX they proceeded to tell me that they do not use fax and for the first time was told to send the documentation to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent the letter including all documentation on the XXXX of XXXX and still no result/ update of credit report. I need to get pre approved for a house because I am XXXX moving in XXXX and need to be in a contract by XXXX XXXX assuming 30 day closing time period. I have talked to 10+ Equifax agents and 3 supervisors and nothing happens. I even asked, although they do not fax anymore, if they could search the old faxes to find the proof of my social and name. Still to no fail nothing has happened or any sort of progress made. They are effecting where my family and I are going to live if they do not resolve this issue. Please someone help us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have had the same bank account for 30 years, the last 12 of which it was " owned '' by Wells Fargo. I received an automated notification from my bank app on XX/XX/21 that my password was changed. My husband and I called Wells Fargo immediately and found out that {$5100.00} in payments were pending to three big credit card companies that we do not have any accounts with. We spent 4.5 hours on the phone initiating a fraud claim, closing our checking account, opening a new one, and providing the bank with any information they requested including ( as soon as we received it from WF ) a legal, signed affidavit. I also filed a police report. 

2 weeks later Wells Fargo sent us a letter informing us that they were DENYING our fraud claim and not refunding our money. Instead of canceling the fraudulent payments that were still " pending '' when we had immediately reported them, they simply chose to accuse this 30-year customer of lying and committing a financial crime. 

Upon receiving the denial letter, my only option was to request a copy of the documents they used in making their decision, which I did immediately. I was told it would take 5-7 days. When that was up, I called again yesterday and was now told it would take 30 days. We are working with our local police detective to continue to investigate and fight this, but can not proceed until we receive those documents. It's now taken over our lives for 4 weeks and counting, let alone we're quite poorer than we were a month ago. 

I have so many more details but won't get into them here. I have many documents I can provide but am only attaching a few here, can provide more if requested. This is NOT acceptable behavior. How can a bank can refuse to refund a customer who did EVERYTHING we were supposed to do, especially when it appears it was THEIR clerical error in not stopping the pending payments when they were initially reported??

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