vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Someone got hold of my information and took out loans in my name, I have no idea about this loans came about, its unfair to w

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 2024-04-03 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:
Equifax- XXXX and XXXX are providing information and have stolen my identity. I have asked them to stop reporting the Social Security Number as it is stated that if you are not a federal employee the social should not be provided and companies are providing the social and reporting inaccurate information as previously started my identity has been stolen and being used without my consent. The information on the report that they are saying is mines is inaccurate and if it is mines as they say it is I have the right to say what is there and not there. I have requested the attached information be removed and all HARD AND SOFT inquires be deleted and blocked and no inquiry should no longer be placed on the report. I am opting out of any further reporting unless I put it in writing that I want it to be placed in the public and or the private. I have full faith in credit and am not being afforded this due to my identity being misused. I am XXXX XXXX XXXX and I want all late payments - cars - Collections and all derogatory information removed and blocked within 3 days and I have sent this information 3 times and you still have it listed with all 3 companies who are misrepresenting themselves as Federal Government requesting the Social also they are all not giving full disclosure letting me know I can opt out- THEY ALSO HAVE A SECURITY FREEZE AND BLOCK ON THE ACCOUNT SO WHWN I CALL IN OR XXXX ONLINE I CANT GET ANY INFORMATION I WOULD LIKE THIS TAKEN OFF IMMEDIATELY They are using the report and my likeness for monetary gain then asking me to pay a monthly fee for them to monitor it when I never gave them authorization to do any of this and or collect information and or furnish data related to me. The FTC REPORT is once again attached and I have fully explained and let the SEC- FTC and CFPB IRS know that these 3 credit reporting agencies are gaining financially off of my Full faith in credit by stealing my identity and reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
All calls to HSBC customer services take at least XXXX hours to get to the right person. Further, most calls are terminated without notice. 

The Fraud Department makes promises and never completes their responsibility. For example, I was notified about fraud on the bank account. After waiting XXXX hours, and the bank representative stating that he would send evidence in the mail ; the evidence never arrived and it has been over 60 days. There is a court case pending from the fraud and I need the evidence... 

Second, the Superior Court said they would accept a recorded HSBC calls as evidence, but it is very difficult and so far impossible, to reach the correct bank associate that will provide the needed evidence to the court. 

After XXXX attempts ( all consuming over XXXX hours of time per call ), I asked to close my bank accounts and the HSBC XXXX XXXX associate XXXX refused. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I placed an order from XXXX for an XXXX XXXX. The parcel was never received. Ive been a member of XXXX since 2014 and havent had an issue until now. I contacted the seller, I contacted XXXX and I contacted my financial institution to dispute the charge because I dont have my phone and nobody helped me whatsoever. I work hard for my money and I need it back as soon as possible. If the CFPB could be of any help I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: VA

Complaint narrative:
We received a debt notice in the mail stating that we had an outstanding balance of XXXX dollars. We currently have an XXXX  set up through Virginia for the toll roads here and that is what this debt is about stating that we never paid are {$17.00} and {$6.00} tolls and they have accumulated fees resulting in $ XXXX XXXX of debt. We have tried contacting them and requesting information about dates, location and how has this not covered by our XXXX  setup. They are very rude threatening that the bank will lower my credit score and come after my belongings that have loans on them. Soon after they would just hang up the phone and a wait for me to pay via these ongoing calls and letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Customer Feedback and Program Development ( CFPD ) Team, I hope this email finds you well. I am writing to bring to your attention a concerning issue I have encountered with Wells Fargo Bank, specifically regarding an unauthorized transaction from my checking account. 

On XX/XX/2023, I discovered that an amount of {$980.00} was debited from my checking account without my authorization. This transaction was made to XXXX, a platform I do not use nor have I ever authorized any payments to. Upon discovering this transaction, I immediately reached out to Wells Fargo Bank to dispute the charge and request a reversal of the transaction. 

However, to my dismay, Wells Fargo Bank declined to initiate a dispute on my behalf, despite the transaction being clearly unauthorized and not initiated by me. I find this response unacceptable, particularly considering the significant amount of money involved. As a customer, I expect my bank to protect my interests and take appropriate actions to resolve such issues promptly. 

I strongly urge Wells Fargo Bank to reconsider their decision and take immediate steps to dispute the unauthorized transaction with the relevant merchant, XXXX. It is crucial that I am not held liable for a transaction that I did not authorize or benefit from in any way. 

I kindly request that you investigate this matter thoroughly and ensure that appropriate measures are taken to resolve it in a fair and timely manner. Additionally, I would appreciate regular updates on the progress of this investigation and the actions taken by Wells Fargo Bank to rectify the situation. 

Thank you for your attention to this matter. I trust that you will handle this complaint with the seriousness it deserves and work towards a satisfactory resolution.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I called sofi bank severally and I did every necessary steps they asked to verify my account and identity and my account and funds has been frozen for months with no specific time to expect a response from them!! Please I need help getting my funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Given my consistent track record of punctual payments on this account, it is unfair to have this inaccurate notation. I request an immediate adjustment to my account to accurately reflect the true history of my payments.

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 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: CA

Complaint narrative:
My first attempt has been completely ignored by CARMAX this is my 2nd attempt to resolve this matter. I wish to bring to your attention my dispute concerning a consumer credit transaction that transpired with CARMAX. Upon careful review of the automobile contract, I have identified discrepancies that contravene the Truth In Lending Act. This letter serves as a formal notice of these violations. I do also want to bring to your attention Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. 
In the course of the consumer credit transaction, where credit was extended, CARMAX has mischaracterized the nature of this arrangement, representing it as either a loan or a Retail Installment Sales Contract. The Truth In Lending Act mandates that consumers be fully informed regarding the utilization of credit and protected from unfair credit card practices. 
Enclosed as Exhibit A, I have outlined specific instances where CARMAXcharged me for interest, and insurance costs were excluded from the finance charge. As per the Truth In Lending Act, the finance charge should encompass the sum of all charges ( 15 U.S. Code 1605 ). Contrary to this, I incurred a total charge of {$22000.00}, surpassing the finance charge of {$5000.00}. 
Additionally, the Act stipulates that interest must be included in the finance charge ; however, I was separately billed for interest. The failure to disclose that insurance should be part of the finance charge is a violation of my federally protected rights and was not presented clearly and conspicuously. 
A further point of contention is the down payment. According to 15 U.S. Code 1662, a creditor can not impose a down payment unless it is uniform for all consumers. Despite this, I was charged {$1400.00} for a cash down payment. 

It is disconcerting that I had to independently research and uncover these details, especially considering your company 's status as a Truth In Lending Act lender obligated to provide consumers with comprehensive cost disclosures. 

These laws must be enforced by the Consumer Financial Protection Bureau as stated in : 15 U.S. Code 6805 ( a ) Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Please be aware that your CARMAX is criminally and civilly held liable pursuant to 15 U.S. Code 1611, 15 U.S. Code 1640, 15 U.S. Code 1662, 15 U.S. Code 1605, and 15 U.S. Code 45.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Request for Assistance Regarding Denied Claim by Citibank for Fraudulent Transactions Dear CFPB, I hope this letter finds you well. I am writing to express my grave concern and to seek your assistance regarding an issue I've encountered with Citibank, concerning the denial of a claim related to fraudulent activities on my account. 

On XX/XX/XXXX, my Citibank account was compromised, resulting in XXXX unauthorized wire transfers made to a fraudulent party. These transactions amounted to {$1600.00} and {$800.00}, in addition to {$50.00} in bank charges for the wire transfers. Upon noticing these fraudulent transactions, I immediately contacted Citibank to report the issue, requesting that my account be locked to prevent further unauthorized activity and that the fraudulent wire transfers be reversed. 

Despite my prompt response to the situation, I was disappointed to receive a denial letter from Citibank on XX/XX/XXXX. In their correspondence, Citibank attributed the denial of my claim to my alleged failure to take adequate steps to protect my account. However, this reasoning overlooks the fact that the security breach was a result of vulnerabilities within Citibank 's own system, which allowed the hacker to access my funds. 

Further exacerbating my concerns, upon visiting the Citibank branch in XXXX, CA, where I initially opened my account, I discovered that several other customers had experienced similar security breaches. This pattern suggests a systemic issue with Citibank 's security measures, rather than individual negligence on the part of affected customers. 

Despite my efforts to collaborate with Citibank to resolve this matter, I have faced considerable resistance. Citibank has refused to reimburse the stolen funds, citing that the culprit had already withdrawn the money from their system. Additionally, my requests for access to their investigation report have been met with refusal, leaving me without insight into the steps, if any, Citibank has taken to address the vulnerability that led to this breach. 

Given these circumstances, I am reaching out to your organization for assistance in investigating Citibank 's handling of my case and those of other consumers who have fallen victim to similar security breaches. The savings that were stolen constituted funds I had set aside for my livelihood, and I believed them to be secure under Citibank 's protection. 

I am placing my trust in your ability to help rectify this situation and to ensure that adequate measures are taken to prevent similar occurrences in the future. 

Thank you for your time and consideration. 

Sincerely, 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 2024-04-03 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: FL

Complaint narrative:
XXXX  this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
I reviewed my most recent credit report and after carefully reviewing it I seen some accounts that stood out to me that I didn't recognized. The account is a collection from Spring Oaks Capital LLC of XXXX I decided to dispute them XX/XX/24 and it first, came back as verified as accurate but no documents were provided to show the account is accurate or that we have an agreement of this account. I got a notification on XX/XX/24 that it was removed but then put back on. I do know that once something is removed from your credit profile it can not be placed back on. I will upload the letter and show when it was removed and put back on there. I also know that they have no license to try to collect a debt in my state as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Assistance Inc
State: FL

Complaint narrative:
l am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive deceptive practices in an attempt to collect an alleged debt. I hereby demand immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and tolerate any further harassment or misconduct, Furthermore, I exercise my rights according to USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt deleted from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent according to 15 usc 6802 ( b ) opt out. I hereby withdraw any previous consent you may have and demand that you cease reporting this debt to any credit reporting agencies immediately. Please consider this letter as a formal notice of my intent to take legal actions if your agency continues to engage in abusive or deceptive practices, in pursuant to USC 15 1692k i will demand {$1000.00} per each violation. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. future communication regarding this alleged debt should be directed to me in writing to the address provided above. Phone calls or any other form of communication will NOT be accepted. I expect your immediate compliance with this cease and desist notice. failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: MI

Complaint narrative:
My loan was transferred to PNC bank from XXXX Mortgage in XXXX. In XXXX PNC under estimated my escrows and then sent me a refund of some of the escrows. In XXXX PNC did a new escrow analysis and which at that point they found an escrow shortage which added about 33 %. I told them that what they had calculated for XXXX was way too high. Based on their calculation they would be collection almost 40 % excess escrow. They basically stated that they calculated them accurately. I called my city tax office and they stated that my escrow for taxes XXXX only increase XXXX on an annual basis. I called PNC again expressing my concerns. After about XXXX phones calls, we asked them for an option to remove my escrows because they could not manage my escrows. It appears this lender does not know how to do an escrow analysis. They sent me a letter that my escrows were to be removed on XX/XX/XXXX. When I tried to make my payment, they were making me payment my escrows and Principal and interest. The payment they charged me was XXXX of that my principal and interest is only XXXX They were collecting XXXX for escrows. Mind you my total escrow on an annual basis is about XXXX. But yet they are trying to collect XXXX. This way exceeds the XXXX cushion if I had escrows. 
This lender does not seem to care about its customers and being a financial institution, they put consumers at risk based on their business practices. 
I am available to talk to at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
There are things on my credit report I do not recognize and I would like them removed immediately Please remove hard inquiries from my report This is the second complaint Ive sent you guys and nothing has been done yet

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