vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: IA

Complaint narrative:
I am writing in regards to the debt you claim I owe, which is definitely an error. I request that you provide me with a validation of the debt, as required by the Fair Debt Collection Practices Act. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a mortgage with Wells Fargo from XXXX until XXXX. I never received any notification regarding their settlements for corrupt and widespread mismanagement of my account. I wish to know the status of my restitution 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 explanation
Consumer complaint received 2023-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Inaccurate Names 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 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 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 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 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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I lost my TD Double Up credit card ending XXXX while travelling through XXXX. A number of charges were made with the card. These were in towns in XXXX I have never visited in my life, and included a rental car. I reported the card as lost timely, and disputed the transactions immediately. I have disputed these transactions twice now with XXXX XXXX, and the Fraud Dept keeps reapplying them to my account after providing ridiculous rationales, such as that no one used the card after the fraud. Obviously this would not be possible, as I called and had a hold placed on the card after it was lost. I did not make these charges, and feel they are violating the Fair Credit Billing Act in that they are trying to make me responsible for fraudulent transactions ( see below from my statement ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am a credit card holder from this credit card company called synchrony and I have been making my minimum due payment as usual before my due date, on this month of XXXX my minimum due date is set to be XXXX so as the other months as well, I initiated a loan payment of {$210.00} from my chase account on the XXXX XXXX XXXX which posted on the XXXX XXXX XXXX XXXX  and the transaction was marked as completed, which reflected in my chase account balance as debited. 

Synchrony bank never contacted me about insufficient funds in my account or payment declined or what so ever since this payment posted on the XXXX XXXX XXXX 

On the XXXX XXXX XXXX XXXX XXXX  morning I checked my chase account to realize that my account was negative {$210.00} so I contacted XXXX XXXX  to as what the reason was, XXXXXXXX XXXX told me that Synchrony Bank made XXXX attempt of withdrawal on my account, the first one was on the XXXX XX/XX/2023 but declined due to insufficient funds and the the second one was on the XXXX of XXXX which brought my account to negative {$210.00}. 

I contacted synchrony bank on this said date XXXX XXXX to cross check my statement with them and they told me that everything was okay on my records with them, that my payment went through on the XXXX of XXXX and the transaction was marked as completed. 

I called XXXXXXXX XXXX to notify them and even connected these XXXX banks on a conference call but synchrony bank lost communication so I followed up with XXXXXXXX XXXX letting them know the outcome of the confirmation I got from synchrony bank. 

To my greatest surprise I am just get a message from synchrony bank that I am owing and past over due, I have attached a copy of this payments proof to this message. 

Synchrony bank is not competent to be called a bank with all of these obvious discrepancies, before I made a report on XXXXXXXX XXXX all these was not happening, but after a I made my report on XXXXXXXX XXXX XXXXhese started happening. 

How on earth can a transaction initiated on the XXXX XX/XX/2023 and posted on the XXXX of XX/XX/2023 is now declining without prior notice of all these failed transaction conducted by synchrony bank as XXXXXXXX XXXX  is claiming, its a shame this is happening from a bank that says they are credible institution?

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 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Complaint Regarding Overdraft Fees Despite Adequate Funds and Within Stated Timeframe I am writing to file a formal complaint against Regions Bank for what I believe to be unfair overdraft practices. Despite my efforts to maintain a positive balance, I have been repeatedly charged overdraft fees under circumstances that seem inconsistent with the bank 's stated policies. 

On multiple occasions, I have deposited funds into my account several hours before the XXXX XXXX  deadline set by Regions Bank to cover any negative balance and avoid overdraft fees. For instance, a deposit was made and timestamped at XXXX XXXX  ( XXXX XXXX ), well within the time frame provided by the bank. However, I found that I was still charged an overdraft fee the following day. The bank 's explanation was that the deposit did not post until the next morning, contradicting the timestamp shown on my account. 

This has been a recurring issue, and despite my attempts to resolve this with the bank, the situation persists. I am concerned that this practice may not align with the regulations that govern fair and transparent banking practices. 

Here are the details regarding the most recent incident : - **Date of Deposit** : [ XX/XX/2023 ] - **Timestamp of Deposit on Account** : XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] - **Overdraft Fee Charged** : [ {$100.00} ] - **Statement from Bank Regarding Overdraft Grace Period** : The bank 's policy states that I have until XXXX XXXX XXXX XXXX the following business day to cover any shortfall. 

This issue has placed a significant financial strain on me, especially as someone with limited financial resources. Regions Bank 's history of fines and regulatory action for similar practices heightens my concern. 

I am seeking a thorough investigation into these charges and a clear explanation from Regions Bank. I believe the overdraft fees charged are not in line with the bank 's policies as I understand them or the regulations set forth to protect consumers. I request that the CFPB look into this matter and ensure that any unfair fees are refunded, and that the bank 's practices are reviewed for compliance with applicable laws and regulations. 

Attached are screenshots of the most recent incident but I stress that this is a repeating problem, no matter how early the deposit is made. Contacting support states they have no control over things until the overdraft posts and they state they can not see the time stamps. 

Thank you for your attention to this matter. 

-- -

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 2023-12-28 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: Stallings Financial Group, Inc.
State: AL

Complaint narrative:
Upon reviewing my credit report, I discovered several items that appear to be unverifiable, invalidated, inaccurate, or questionable. These items were not thoroughly verified or reported correctly by the respective agencies involved. As a result, I am deeply concerned about the negative impact they have on my creditworthiness and financial well-being. 

These items are a direct violation of the Fair Credit Reporting Act, specifically under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ). These provisions mandate 100 % accuracy in the reporting of information on my credit report. It is disheartening to see that these requirements have not been met, leaving me with an unjustified burden. 

The Credit Reporting Agencies claim that these accounts were properly investigated and came back as verified. However, I am puzzled as to how this can be true when several inaccuracies are evident in my report. It raises concerns about the thoroughness and effectiveness of their investigation procedures. 

As a conscientious consumer, I kindly request detailed information regarding the steps your agency took to ensure that these items were reported with 100 % accuracy, as required under 15 U.S.C 1681i ( 7 ) Method of Verification - Description of reinvestigation procedure. Transparency in this matter is crucial for the fair resolution of my complaint.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
As per checking on my credit report last XXXX months ago, I saw these inaccurate addresses and name on the personal information section of the report. I tried contacting the credit reporting agencies by sending them letters requesting to remove these information because they are not mine. Upon checking my latest report last XX/XX/XXXX, these incorrect information are still there. 
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 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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
As per checking on my credit report last XXXX months ago, I saw these inaccurate addresses and name on the personal information section of the report. I tried contacting the credit reporting agencies by sending them letters requesting to remove these information because they are not mine. Upon checking my latest report last XX/XX/XXXX, these incorrect information are still there. 
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 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 explanation
Consumer complaint received 2023-12-28 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: Westlake Services, LLC
State: AL

Complaint narrative:
Upon reviewing my credit report, I discovered several items that appear to be unverifiable, invalidated, inaccurate, or questionable. These items were not thoroughly verified or reported correctly by the respective agencies involved. As a result, I am deeply concerned about the negative impact they have on my creditworthiness and financial well-being. 

These items are a direct violation of the Fair Credit Reporting Act, specifically under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ). These provisions mandate 100 % accuracy in the reporting of information on my credit report. It is disheartening to see that these requirements have not been met, leaving me with an unjustified burden.

The Credit Reporting Agencies claim that these accounts were properly investigated and came back as verified. However, I am puzzled as to how this can be true when several inaccuracies are evident in my report. It raises concerns about the thoroughness and effectiveness of their investigation procedures.

As a conscientious consumer, I kindly request detailed information regarding the steps your agency took to ensure that these items were reported with 100 % accuracy, as required under 15 U.S.C 1681i ( 7 ) Method of Verification - Description of reinvestigation procedure. Transparency in this matter is crucial for the fair resolution of my complaint.

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 2023-12-28 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: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Upon reviewing my credit report, I discovered several items that appear to be unverifiable, invalidated, inaccurate, or questionable. These items were not thoroughly verified or reported correctly by the respective agencies involved. As a result, I am deeply concerned about the negative impact they have on my creditworthiness and financial well-being. 

These items are a direct violation of the Fair Credit Reporting Act, specifically under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ). These provisions mandate 100 % accuracy in the reporting of information on my credit report. It is disheartening to see that these requirements have not been met, leaving me with an unjustified burden. 

The Credit Reporting Agencies claim that these accounts were properly investigated and came back as verified. However, I am puzzled as to how this can be true when several inaccuracies are evident in my report. It raises concerns about the thoroughness and effectiveness of their investigation procedures. 

As a conscientious consumer, I kindly request detailed information regarding the steps your agency took to ensure that these items were reported with 100 % accuracy, as required under 15 U.S.C 1681i ( 7 ) Method of Verification - Description of reinvestigation procedure. Transparency in this matter is crucial for the fair resolution of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: MA

Complaint narrative:
My credit card was charged fraudulently 4 times in the span of 3 days in XXXX. I contacted Citibank as soon as I realized the charges weren't mine. They looked into it and then decided that they weren't fraudulent because I didn't lose my card and they said I had visited those places. I had never visited at least two of those places and they didn't provide me with evidence that I had. I told them that there had been a rash of credit card skimmers in the area and then they said they would take that into consideration and respond in 90 days. They never got back to me and the charges are listed as " dispute is resolved and no credit is issued ''. 

Here are the charges 1. XXXX on XX/XX/2023. XXXX XXXX XXXX XXXX, MA 2. XXXX on XX/XX/2023. XXXX # XXXX XXXX MA 3. XXXX on XX/XX/2023. XXXX XXXX XXXX MA 4. XXXX on XX/XX/2023. XXXX # XXXX XXXX MA

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 2023-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Was told account was closed but still getting statements. Attempts to close through phone support send me into hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: ND

Complaint narrative:
Started paying student loans since XXXX My account has been scolded multiple times. Received a letter from Mohela stating they are my new holder f my loans. I contacted them on XX/XX/XXXX via phone. I asked them for the loan information ( payment history and statements ). I was informed to go online at studentaid.gov. No information was available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XX/XX/2023 I purchased {$13000.00} in American Express gift cards for my employees bonuses. About 85 % of those gift cards do not work in any physical or online store. I've called American Express multiple times for help and all they say is that transactions are declined due to fraudulent purchases and that I need to try different merchants. It seems that customer service just does not want to help me out since every time I call, they tell me the same thing without any other solution. And the thing here is that all my employees have tried to make purchases in many stores, but they all get declined! 
I have attached a picture of what the card reader says after trying to make a purchase. 
I also attached all the receipts of the gift card purchases I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: Incomm Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/2023, my in-laws purchased two {$100.00} prepaid VISA debit cards at a XXXX in XXXX. 

The prepaid VISA debit cards are ( a ) issued by XXXX, XXXX, pursuant to a license from XXXX XXXX, XXXX ; ( b ) distributed and serviced by InComm Financial Services , Inc. ; and ( c ) sold by XXXX  online and in physical stores. My in-laws mailed these cards to XXXX  via the U.S. Postal Service. 

We opened the prepaid VISA debit cards on XXXX morning. We activated the cards, confirmed the {$100.00} balances, and set PINs for each card on XXXX, as directed on the back of each card and in the user agreement. 

We attempted to use the prepaid VISA debit cards online that day. Transactions with various online vendors, including XXXX, XXXX, XXXX, and XXXX, repeatedly were declined. We also attempted to use the {$100.00} prepaid VISA debit cards cards in physical stores on XX/XX/2023, but these transactions also were declined. 

On Thursday, XX/XX/XXXX, we attempted to return the cards to XXXX. XXXX refused the return, stating that their policy does not allow returns of VISA prepaid cards because so many customers have difficulty with them. 

We then called an InComm customer service representative at ( XXXX ) XXXX ( case ID # XXXX and # XXXX ). We were offered a replacement card within 7-10 days. InComm refused to send a refund, even though the customer service representative could not guarantee that the replacement cards would work. InComm also insisted that I provide a copy of my driver 's license, photos of the cards, and a receipt for the purchase, even though I explained several times that the cards had been a gift and the only proof of purchase was the card itself and the balance print out from XXXX.

An Internet search reveals numerous complaints about problems with XXXX/InComm prepaid VISA debit cards, including by consumers who used prepaid cards in lieu of a traditional bank account and then could not access their funds. As stated above, XXXX has instituted a policy of refusing refunds for prepaid VISA debit card purchases because problems with them have been so prevalent. 

This suggests something other than incompetence. Rather, the utter unusability of the prepaid cards in any store, combined with the nature and extent of these problems, suggests an intentional corporate strategy to accept money from consumers, knowingly issue a non-viable financial product, and then deny consumers access to their funds, relying on a lack of sophistication or will to get the money back.

Company response to consumer: Closed with explanation