vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
I signed up for a U.S. merchant service on XX/XX/19 for and this has been nothing but a nightmare. I feel I've been scammed. The lady who talked to me to initially onboard said that I have been way too much with other processors and she said " you'll pay almost nothing with us! ". She said that all I would EVER pay was a small percentage ( 0.5 % or so? ) for each transaction, that was to be ALL that I would every pay. No mention of monthly charges or additional charges, EVER. So she told me to just sign a docu-sign and I did. Then a few days later, a surprise, I get a payment hardware in the mail WHICH I NEVER ASKED FOR. I also saw a charge for {$53.00}. Somehow I found someone to complain to on US Bank site and the person named XXXX XXXX XXXX agreed that I was unjustly charged for something I never agreed on and promised a refund ( screenshot attached ). Weeks go by and I don't see the refund. I contact him again twice, but he decided to completely ghost on me. Today, a month and a half later, still no refund. Then, on XXXX, I see another new charge for {$35.00} labeled " XXXX XXXX XXXX XXXX XXXX XXXX '', which I have no idea what for. What the onboarding lady said was that you pay only when you use the service, in a tiny percentage. They just keep taking money from me for no reason. This is completely unacceptable. I can not remember the lady 's name but her phone number I have on record is ( 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 monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, my husband ( _________ ), and I _______ ), paid off in full, our mortgage with Fifth 3rd Bank. When we requested the payoff figure from Fifth 3rd Bank, we specifically made sure that we requested that they included all loan modifications that we made to our mortgage. We trusted Fifth Third Bank, to give us the total payoff figure of all the monies that were owed against our home so that my husband and I were no longer legally financially obligated to pay any more monies against our home. So, when Fifth Third Bank, gave us the total payoff figure of {$140000.00}, it was through our understanding that this was the total amount of our modified mortgage.

After my husband and I paid off the payoff figure, we received our mortgage release discharge and a copy of our deed. We believed that this was an indication that we were no longer legally financially obligated to the bank. and that we owned our house. 
Fast forward ten months later, a letter from XXXX, that was addressed only to my husband and not dated, stated that we still owed {$28000.00}, against our house. I contacted XXXX, and they informed me that I have to contact Fifth Third Bank about this matter. Yet when I called Fifth Third Bank, they informed me that I needed to speak to XXXX. 
I made numerous attempts to get this resolved through both agencies and neither one of these agencies will assist me because they feel that the other agency is responsible for this error. I reached out to Vice President XXXX XXXX, at Fifth Third Bank, on XX/XX/XXXX, XXXX and again, I was informed by Vice President XXXX XXXX XXXX that she was forwarding my issue to the complaint department. I am seeking assistance from anyone who is willing to help me with this matter. 

On XX/XX/XXXX, I sent an e-mail to XXXX XXXX, Head of Residential Mortgage, at Fifth Third Bank, requesting his assistance regarding this mortgage issue and informed him of all the problems I had been having trying to get assistance from the staff at his bank. 

On XX/XX/XXXX, I received a phone call from XXXX XXXX, Head of Mortgage, at Fifth Third Bank 's Complaint Department responding from email that I sent. While discussing the loan modification payoff, I asked XXXX XXXX about the money that HUD gave for the loan modifications. XXXX XXXX, responded that HUD, never gave Fifth Third Bank, any money what's so ever. I then asked XXXX XXXX how was this possible? Her response was for me to call XXXX, with no explanation. So I asked XXXX XXXX, for a detail break down of all the payouts concerning my loan and modifications. I stated to XXXX XXXX, that I requested a detail payment and all payments from XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX, from FHA Department, who informed me that HUD received a loan amount of {$28000.00}, from Fifth Third Bank. 

I am waiting for managers from different agencies because there is a discrepancy with both sides.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this Creditor XXXX has violated my rights. 

15 " USC1681 Section 602 " States I have the right to privacy.

15USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Name is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  NYXXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT I opened a bank account with the following bank ( s ) : Bank Of America was opened in XXXX in Maryland XXXX XXXX ( unsure of location ) XXXX XXXX  around XXXX in New York My documents got lost due to homelesness and all effort at reopening/revalidating these accounts is unsuccessful. 

Am having Issue with updating my past financial records and getting a credit report for other obligations. I will appreciate every effort to recover the
se account ( s )

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 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I purchased a rebuilt engine for my truck with my XXXX XXXX for {$2500.00}, which included a refundable engine core deposit for {$510.00}. I paid my statement balance in full that included the {$2500.00} engine purchased XXXX. I returned the engine core for a refund of my {$510.00} dollars XXXX, but wasn't credited back to my credit card until XXXX. On XXXX XXXX at XXXXXXXX XXXX I called CapitalOne and said I wanted a check back for {$510.00} for the engine deposit. CapitalOne said I don't have a {$510.00} credit on my Account because there was {$250.00} in new purchases on my XXXX Statement and I now only had a {$250.00} credit. I told CapitalOne the new purchases for {$250.00} wasn't due until! XXXX and had nothing to do with my {$510.00} engine deposit and I wanted the bank to credit back my checking account for {$510.00}. I told iCapitalOne I always paid my credit card balance in full every month and if the bank was going to force me to pay my credit card balance early I wanted interest. The Bank said that wasn't there policy to credit back my checking account, I could leave the money on my account and use it as a credit without interest or the bank would sent me a check for {$250.00} in 7 to 10 days.I never revived a check even though a credit balance refund was on my XXXX statement XXXX. I got sick in XXXX and didn't realize I never received this refund until XXXX, my son handle the credit card on my behalf. I haven't heard from the bank.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, Capital One Auto Fin. The account is inaccurate.

Checking my 3 credit reports and the closed account is reported as inaccurate, affecting my credit score. XXXX has deleted the false reporting, and XXXX is reporting a closed acct. with an inaccurate large balance, same with XXXX. My car insurance company paid the car loan off because of an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
Ref number : XXXX This is a continuation of a previously reported problem. I heard from Western Union a couple of days after I lodged the previous complaint, and they have given the same answer as the previous ones. In brief they are asking me to get confidential company bank statements but the company claimed that this request is unethical. Nevertheless I have provided written proofs of denial of receipt from both the receiver company director and the bank. On the other hand, WU has not yet shown me proof that they have had a dialogue with the bank and the bank provided a written document either denying receipt, or confirming it ( as WU claimed ). Here is what I wrote to WU minutes ago : Re : case number is XXXX Dear XXXXXXXX XXXX., Western Union Executive Resolution Your resolution team is asking me to go through the same circle again and again. You have asked me to get the bank statements from the receiver of the transfer. I have written several times that I have asked that but have been told that this is an unethical request, and the private company information can not be shared that way. I respect that. The director of the company is a personal friend and I fully trust him. That leaves the bank itself, with whom I have not dealt with ; WU has. Nevertheless I did ask the local bank and then again complained to the CEO of the bank. Both times I was categorically told that this money did not reach the bank. Additionally, they told me that this transfer can not take place for lack of some arrangement with WU. 

So, I have shared with you written proofs from the receiver and the bank that they denied receiving the money. I have done my part. BUT, beyond sending me your own document that the money was delivered ( again and again ), you have not shown any attempt of reaching out to the bank and get from them an acknowledgement that they either accept or deny your claim of confirmed delivery. You are in a position of doing so, but so far months have gone by, you are giving me the same answer again and again. I wonder if you are reading my depositions at all!! 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XXXX XXXX I sent in a letter to XXXX. I sent disputing the validity of the 2 bankruptcies they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX, I went directly to XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I have also attached the doc. 

I then went back to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all of the year 2023. I showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: DE

Complaint narrative:
XXXX XXXX {$150.00} XXXX XXXX {$500.00} XXXX XXXX {$70.00} XXXX XXXX {$750.00} XXXX XXXX {$1000.00} XXXX XXXX {$750.00} XXXX XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX {$2000.00} On XX/XX/XXXX I called Chime Member Services and informed them I had been a victim of fraud. I explained I saw the transactions credited from my account and upon noticing them ( payment from phone number to phone number ) I changed my banking password and disabled international transactions on my banking app. 

These amounts were made with fraudulent intent via phone-to-phone transfers that were deducted directly from my checking and were instantly approved as they were all checking transactions. This does not mean I authorized or approved such transactions. Not to mention my checking account was the only account compromised. Not my savings. 

I filed a claims report with Chime The report states : " While the dispute is not eligible for provisional credit issued by Chime , Chime will investigate dispute types that fall under Regulation E ''. 

" The dispute process can take until XX/XX/XXXX. '' " Check the status of the dispute anytime on Chime. '' On XX/XX/XXXX Chime Member Services informed me that my claim had been denied as " no error had occurred. '' Chime did not provide documentation or proof of an investigation that concluded the final outcome of this investigation under Regulation E guidelines. 

Regulation E outlines electronic funds transfers ( EFT ) under section 1005.6. 
as electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 

Note : This scam has compromised my funds not only with Chime but other electronic vendors like XXXX XXXX and XXXX by the same person who uses various aliases and phone numbers to seek unauthorized electronic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is not my address i informed experian of this previously, or atleast i was under the impression they were advised of this please remove this address from my credit report. 
XXXX XXXX XXXX XXXX XXXX, FL 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 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: PA

Complaint narrative:
I asked frontline assist to verify all information as to how this debt is owed to them by me, verify a wet signature within 30 days of those letters i sent to them but again they sends bills but will not verify or send the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've already contacted the collection agency however this needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a heloc with BMO Harris on XX/XX/2023. Before I applied I specifically asked my loan officer about closing costs on two seperate occassions where he told me the closing costs would be paid by BMO Harris. On XX/XX/2023. 34 Days into the process they told me there would be over {$2200.00} in closing costs. I have spoken to management at BMO Harris twice requesting them to honor the original terms of no closing costs. I feel that I have been misled and my time wasted. What i request is that BMO Harris provide proper training and that they waive my closing costs like they originally said they would.

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 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Applied for BofA card that said it would come with a {$100.00} statement credit with purchase of a flight. I got the flight- {$180.00}. At no point was it made clear to me during the application that it would cost a {$59.00} membership fee, it really only asked the basic questions about myself, ran a credit check, approved and used that day. I called in to pay it off when the statement came still saying XXXX nothing about a fee. Call in to pay it off, find out about the fee. You guys have been extremely deceptive to me before, its why I didnt use you for years and years. He said it was in the TOS which I didnt even get till after use. I wouldnt have used it for a measly {$41.00} statement credit since you always weasel stuff in. I want my my {$150.00} back as advertised

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 2023-07-06 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: MOHELA
State: TX

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation