vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: ME

Complaint narrative:
Hello, In early XXXX Macys ( Citibank ) contacted me regarding a charge on my Amex card with them for a purchase with XXXX. I responded stating the charge was not mine and nor was the XXXX XXXX charge of {$43.00} for a charge on XX/XX/2023. They marked my card as lost/stolen and then issued a new card. Once I received the new card I went to activate the card to use at the store. That is when I noticed a balance of {$43.00}, I called to inquire why there is a balance still for the XXXX XXXX charge. They stated they had no record of the dispute, but would register my dispute, mark this new card as lost/stolen and issue a new card. I logged on to my account on Monday XX/XX/2023 to yet again find on the new card the {$43.00}, {$29.00} late payment fee, and a {$2.00} minimum interest fee. I can not seem to get them to understand the charge is not mine! The keeping issuing new cards and transferring the charge to the new card, plus now adding fees. They stated they will stop the collection calls as the charge is in dispute, but they are not taking care of the matter at all!

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 2023-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CCS Collections reported {$160.00} collection account from XXXX on credit reports XX/XX/. No communication, verbal, written or otherwise. This is deceitful practice by agency. It is either not a debt owed or past XXXX and does not want to acknowledge. 

Disputed with credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have an Ashley Furniture store card thru Synchrony Bank. I made various purchases on my card with minimum payments of around {$180.00}. I pay XXXX XXXX  monthly. XXXX charge made for {$580.00} or so for XXXX year of deferred interest expired in XXXX or XXXX. I was charged {$200.00} of interest. I thought my excess payments and allocated payments would have covered it. I called and spoke to a representative and supervisor. I was told {$260.00} still remained. I asked if I could just pay the {$260.00} and get the interest adjusted. I was told no since it was over 30 days. This is very unreasonable and questionable since my excess payments should have resolved. I paid {$260.00} on my card on or about XXXX. I am requesting adjustment of interest for {$200.00}.

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 2023-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX  account # 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 instruction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I. Introduction : I hereby submit a formal complaint against XXXX for XXXX discrimination , retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. XXXX. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that XXXX AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : XXXX AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. XXXX XXXX Discrimination : XXXX AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. XXXX. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX XXXX XXXX refusal to do the same raises serious concerns about their practices. XXXX. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX discrimination, bank fraud, wire fraud, and RICO violations. XXXX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter becasue its CAUSING ME DAMAGES AS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: PA

Complaint narrative:
Recently I found a {$50.00} American Express XXXX XXXX that I had received a few years ago as a bonus from my employer. The original card had been sitting in a drawer, unused, and the date had expired. I contacted Amex and they mailed me a replacement card with a valid date. 

I have confirmed ( multiple times ) with Amex that the card is valid and that there is a {$50.00} balance on it. 

Despite repeated attempts, the Amex gift card will not be accepted at any online merchant I've tried : XXXX, XXXX, XXXX, XXXX, etc. The transaction is denied every time I attempt to make a purchase. 

I've attached a scanned image of the card and the letter that I was sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have formally requested the closure of my Capital One 360 account since XXXX. However, despite the passage of XXXX years, the account remains active. I seek your assistance in expediting the resolution of this matter. This week, I made XXXX new requests to close the account and remove it from my online profile. I was informed that the account couldn't be closed because it was negative, but that is untrue. The attached statement shows this account as XXXX balance since XXXX Today, I spoke with XXXX in the management team, and here is the request number : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Someone tried to open a Chase credit card using my name and email. Assuming they have my social security number and Chase sends me to dispute with XXXX or make an account with them which i do not want to do or have in general

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: TN

Complaint narrative:
This debt was resolved in XXXX with a different collection agency. Account closed. On XXXX  this debt was reported to XXXX as unpaid, resulting in a drop in credit score. I never received notice of this account via mail, phone or email. Represent claims XXXX notice letter was sent XXXX and a half weeks ago. Could not give me an exact date. I requested a copy of the original letter sent, representative laughed at me as she told me they didnt have it, then proceeded to say she submitted a request to billing for a copy as she continued to laugh. This company belittled me, told me it was my fault as I am not competent and do not know how to handle my debts, lied to me and told me the account came straight from original creditor yet later in the call accidentally mentioned another collection agency that has had the account ( the original agency I paid ). When bought to his attention that he accidentally let go of this information he raised his voice to me and became even more combative and defensive. Every agent I spoke to was very unprofessional. Very argumentative and insulting, laughing, yelling, name calling. They also do not have my correct name

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
Trying to refinance my student loan to a lower Graduated Payment plan, and it's been over XXXX weeks, can't get a hold of service rep, only once and they apologize for taking so long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 a account without my written instructions regional acceptance I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED

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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
My Destiny credit card expired XX/XX/. I called in XXXX to ensure that I would receive a new card soon. Customer service assured me that I would receive a new card. In XXXX I still have no card. I contacted customer service and was told that an error took place on their behalf and I should get a card in 3 to 5 business days. XX/XX/XXXX I still have no card. When I contacted the company again I was told there is a " shortage of cards '' I have been paying my bill but have no access to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, my money disappeared. Suddenly, I went to one of the bank branches. He replied to me, saying, You have a refunded check. I said, This is your problem, not mine. Why is my money now XXXX? Where is my money? He replied to me, We are reviewing your account and it will be returned after 45 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CRESCO CAPITAL INC.
State: NE

Complaint narrative:
I bought a semi truck through XXXX XXXX XXXX XXXX, also afflicted with Cresco Capital , Inc.

My hiring process with this vehicle took longer than expected. I was already 4 weeks waiting before actually leasing on with my company 's authority ( DOT ). I will leave their name out of it for any confusion. 

My first trip I needed repair, and my first payment was due in XXXX weeks. I knew I would not be paid enough on time but I covered my first payment which was 45 days after pickup. 

I called in, they stated using the extra payment form is not specified towards the monthly portion, however, calling in she could partition the funds to do so. 

Coming XX/XX/XXXX they still tried to charge me the first payment amount. They were able to reverse it after I followed up asking them if everything was alright and why this happened. 

Simultaneously, I'd spoken to customer service to switch my payment account to my new business checking. However, upon opening I had to buy checks and have not been home to pickup them up. Due to the nature of my work I am not able to. 

After mentioning wanting to switch accounts a woman named XXXX, without posting her last name, has emailed me XXXX times to date and I'd already received XXXX emails before this one. After the XX/XX/XXXX payment she followed up mentioning the missed payment. 

I'd already told her XXXX to XXXX times that I have not been home yet and will be in touch when I am able to do so but she continues to harass me on a weekly basis. I am on my way home at this time, and should be able to update. 

Here is her email mentioning the missed payment.

" Good morning, I am following up with you regarding the ACH information we spoke about last week. I am needing this information as it looks like we have just had a payment return from the account we have on file. Please get this back to me as soon as possible. If you have any questions, please feel free to reach back out to me. '' Other fine points would be this XXXX XXXX company promising a XXXX year warranty on engine and aftertreatment from XXXX. I have a XXXX XXXX XXXX  with an XXXX engine. When my fuel pump went out it wasn't covered under warranty and the dealer said no warranty even appeared in the system under that VIN number. 

I was at the XXXX XXXX, OR dealership. 
My VIN is XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Capital Link Management, LLC
State: KS

Complaint narrative:
Capital Link Management sent my sister a text message stating that my payment didn't go through. I had to block them from my bank because they kept trying to charge XXXX even after I told them not to. They sent a text to her at XXXX on XXXX. She is not listed anywhere on my account.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXXl, Account XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I requested payoff documents from XXXX XXXX to pay off a HELOC loan. Wife and I signed the documents and setup to fax them at the fax number they provided on the pay-off documents- XXXX. 

I started the process of requesting a cashier 's check from my bank as instructed. 

After XXXX hours of being unable to fax to XXXX I waited until their customer service opened on XXXX  and called them. I was told that that fax number was incorrect and to send to XXXX instead. 

I feel that they are making it as difficult as possible to pay off a loan and close the account. I have no confirmation whether that XXXX # is correct for pay off documents, and now that I had to wait until customer service opened, my payment is due to arrive on XX/XX/XXXX and the quote was as of XX/XX/XXXX, so I fear they'll charge another {$0.00} interest and require me to spend {$30.00} on another cashier 's check for the difference - because they have an incorrect phone number on their payoff docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: NV

Complaint narrative:
We have requested debt validation from Monterey Financial in writing and they have refused to provide it. We ask that the debt be returned to the original creditor so we can continue to work things out with them. 

Thank you, XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
XXXX XXXX and Loan Depot assured all parties that the loan for the property in question had been fully approved without any further conditions, Under the agreement with the seller agent and the builder, the closing date was established and confirmed by XXXX XXXX  and Loan Depot, XXXX XXXX XXXX then requested an extent of closing date, stated Loan Depot needed more time to finish loan process due to the fact they had not received the survey and the Appraisal came in lower than the asking price, the seller agreed to extend, Right before the closing date I received a email asking me for additional documents which I submitted before the closing date, also was informed by the Loan Depot that this loan was conditional, after being reassured that there were nothing else needed before the closing date, I contactacted the XXXX XXXXr by phone with no call back on Friday XX/XX/2023, did not get a response or call back, on Monday XX/XX/XXXX I received a text from my agent stating the Seller had put his house back on market, due to the fact Loan depot and XXXX XXXX XXXX  informed them they still needed additional documents from Buyer, The Agent stated that loan Depot had assured them I had meet all conditions prior to closing and the closing date was firm, I believe this to be deceptive and misleading practice on behalf of XXXX XXXX XXXX XXXX XXXX  and loan depot, it cost me Time and money I paid {$650.00} for and appraisal and also I put up Earnest Money, The Seller has requested the termination of agreement due to this, XXXX XXXX XXXX XXXX on file # XXXX, Contact # XXXX, I have also requested a Denial Letter from Home Depot, have not received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: RI

Complaint narrative:
These accounts have an error that hurt me. These negatives that I did not make are on my credit report. 

XXXX - XXXX XXXX - XXXX 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 non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: FL

Complaint narrative:
I mailed a letter to first progress card, and I requested a 1099C to be sent to my address so I can file the canceled debt as gross income on tax return. I have yet to receive what I request. The reporting of this account is in accurate, income does not get reported on the consumer report. The IRS clearly defines a charge off as Gross or Ordinary income.

Company response to consumer: Closed with explanation