vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a car loan XX/XX/XXXX, with XXXX XXXX XXXX. The car is a XXXX XXXX XXXX model that came with the factory warranty on the used vehicle. The original term of the loan was approved with a co. applicant, XX/XX/XXXX, and the interest was 16.25 %. I was told to sign my documents on XX/XX/XXXX and the Co. applicant could come back. I informed XXXX XXXX XXXX the co. applicant was just released from the hospital and could not come in right away. The co. applicant is an elderly woman who came back to sign her portion of the forms XX/XX/XXXX days after I signed my approved documentation on XX/XX/XXXX. Once the co. applicant signed her documents the terms changed without my consent and knowledge. XXXX XXXX and Capital One has altered the original approved documents and has made the interest rate and payments so high to afford. This is against the law and needs to be corrected. The finance officers at XXXX XXXX XXXX should not have forged or altered any documents without making me aware. I feel I was Scammed and made a target, because I am XXXX American, along with taking advantage of my elderly mother-in-law. I tried refinancing the vehicle on XX/XX/XXXX that's when I was made aware of the terms and added services the finance officers changed without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX, Transunion and XXXX has violated my consumer rights according to 15USC 1681K Please have removed from my consumer credit report asap. 

I have contacted them in regards to my prevention of employment and my consumer rights and they have not budged.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Company required a deposit of 50 % of total charges which was non-refundable unless the agreement was cancelled within 3 days of signing. Total amount of {$1200.00} was deducted from my checking account via bank transfer. The company then increased the total charge twice, once prior to pickup and again at the time of pickup. Total charges went from {$2300.00} to {$3500.00} prior to pick up. When the movers arrived to load the items, they raised the price again to {$4100.00}. At this point I had only two options - pay the new outrageous price or cancel the service and lose my deposit. I chose to cancel the service. 

I have since entered a new contract with another moving company which quoted me a price of {$2000.00} to be paid on delivery for the exact same inventory as the one contracted with XXXX XXXX. My items were loaded on XX/XX/2021 and delivered on XX/XX/2021. 

My complaint centers on the fact that they could arbitrarily increase the price, which they did without even examining the items to be moved, giving me no choice but to cancel the service and lose my deposit of {$1200.00}. It was a win-win situation for them and a no win situation for me. They kept upping the price until I had no choice but to cancel. 

I reported them to the XXXX  which shows they have a history of repeating this scenario many, many times. 

I can provide copies of the agreements if requested.

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 2021-12-01 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Receivables Group, Inc.
State: VA

Complaint narrative:
Complaint ID XXXX was filed, the collector responded and said they would be removing this from my credit reports. XXXX is still reporting it, I disputed it through XXXX & they notified me the collector verified this debt which is incorrect based off of what the collector said. I called the collector as well & they said they removed it, they also said they would update it as removed but that hasnt happened. It is damaging my credit and I need it removed as it is not a debt I am responsible for as I had XXXX at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NV

Complaint narrative:
XX/XX/2021 - We received a Past Due Notice of Real Property Taxes from our County. Along with the past due amount is a Penalty for being Past Due. 

We have an Impound Account established with our BSI Financial Services Mortgage Company payment that is to pay/cover our Property Taxes and Homeowners Insurance premiums XXXX We have paid every monthly mortgage payment on time since the inception of the loan. 

On XX/XX/2021, we went to the County Tax website and pulled up our Property Information and Tax Payment record. It showed the Taxes past due. 

On XX/XX/2021, we also contacted the Mortgage company and signed into our on-line Account. The on-line account as well as our monthly mortgage statement dated XX/XX/2021 shows that the Tax Payment was made in the amount of {$1100.00}. 

On XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021, we CALLED the mortgage company regarding the past due taxes. We were given a different person each call, and each person had a different explanation of why the taxes were NOT PAID. We were told there was a problem with the " wire transfer '' to XXXX XXXX NV, we were told the payment was made but did not go through, we were told the issue was being resolved and they would call us back with a " check number '' since the taxes were now being paid individually vs as a group. We were told there are no supervisors, no managers, no person in charge that works for BSI that we could speak to. We were told there is no one in the " tax department '' that takes calls or that can call us back. 

We were never told there was an issue with the payments they made to our County Tax Collector, we were never told there was an issue with our mortgage payments, we were never notified that BSI was having issues with their wire transfer to multiple counties, UNTIL we called in about our Past Due Notice. 

BSI is stating that they had multiple counties that could not accept their wire transfers, yet they did not notify any of their customers. BSI has stated they would take care of the tax payments and late penalty fees, but as of today 's date : XX/XX/2021, the taxes are still past due on the county website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a notification from Bank of America that my savings account would be converted to a checking account due to more than six ( 6 ) transactions being processed against my savings account. See document attached. The letter indicated that this was a third notification, however, this is the first letter I received and the notifications and documents in my account do not reflect this as a pending action. The debits are automatically scheduled payments monthly. Had this information been conveyed, I would have been able to adjust my accounts- and deposits- accordingly. For further reference, I am a high-balance, Platinum-Preferred member since XXXX and the accounts have been open since XXXX ( first with XXXXXXXX  XXXX ). 
When I contacted Bank of America at XXXX on XXXX, after initially speaking with a first-line customer service representative from the XXXX XXXX, Rhode Island XXXX XXXX XXXX I was routed to the manager on duty who identified himself as XXXX. Upon explaining my situation he indicated that this was standard practice and happens often and was as a result of Regulation D from the Patriot Act and was outlined in the terms of the account when opened. When I indicated to him that the account was opened in XXXX and therefore what he communicated to me was incorrect due to the timing of the Patriot Act, he then returned to blaming Regulation D and indicated that there was nothing [ he ] could do and that once the process started, it would automatically convert. When I advised him that the Federal Reserve has indefinitely suspended the six transaction limit associated with Regulation D due to the COVID-19 pandemic and - consequently - the governing logic he provided to me was incorrect, he had no response. In fact, he then stated that Bank of America would be taking this action irrespective of the lack of receipt of prior notifications regarding this potential impact. I am extremely concerned regarding the lack of concern regarding providing appropriate notification- especially when I have both paper and electronic notifications turned on for this account. I am even further disturbed that this individual who reflects regional management and stated multiple times that he processes these actions frequently would fail to have basic knowledge regarding the governing regulations of the accounts and legally authorized changes to account management. The obfuscation was breathtaking and- when caught communicating incorrect information - the individual had no meaningful response.

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 2021-12-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX  XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Recently refinanced my mortgage. Servicing was transferred to Truist and received the transfer instructions with first pay XX/XX/XXXX. Have been trying to set up auto-draft for 3 days now and never gets completed ( just says its working endlessly, so long keep getting logged out ) So attempted to call them on the number provided. Was put on hold for 25 mins and then calls keep getting dropped. Same thing with chat option. 
They are not fulfilling their consumer and customer service obligations, I want to not have to deal with this every month and the inability to set up the monthly payments online as they represent is a failure to fulfill their obligation as a consumer facing servicer..

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/2021, I opened a savings account with Citibank using a transfer deposit from my XXXX Bank savings account. 
I did not access the account after this transaction was made. Foolishly I did not record the account number, did not access the Citibank app for access to the account, either did not receive or misplaced the ATM card sent and never had a PIN number. 
In XXXX, XXXX, I received an email from Citibank telling me my new statement was available on the app. This is when I realized I could not access the app. Thus started a very frustrating effort to obtain a new ATM card so I could access my money and close the account. 
The personnel I spoke with told me I missed XXXX of the security questions and therefore would not assist me and directed me to write to Citibank. I had tried multiple times to talk to someone at Citibank and got nowhere. I decided I would locate a physical location and with my passport, social security card, and drivers license drove several hours to what I believed to be a Citibank. The building is now a funeral home. I then realized that Citibank has no physical locations near me and without the ATM card had no way to retrieve my funds. 
I have now written to Citibank XXXX times. In response I received a form letter requesting a notarized copy of my request and the complete account number. In the notarized letter I sent to them I explained I did not have the complete account number and asked that a Citibank representative call me to obtain more identifying information so I could close the account. 
This letter only generated another form letter from Citibank. This form letter did not request the notarized letter but once again checked the box stating I had to supply the complete account number. 
I don't know how to proceed. I admit I made errors in the transaction but do not feel that justifies not getting my funds returned. 
I have attached the XXXX letters I wrote to Citibank, a copy of the XXXX XXXX account statement showing the transfer of {$1000.00} to Citibank, and a copy of the form letter they have sent me. 
I would appreciate assistance in getting this matter resolved.

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 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
we needed CFPB Order TD Bank to refund our in the amount ofXXXXand XXXXfor overdraft and returned fee of XXXX from XX/XX/2021 through XXXX XXXXin XXXX month is what TD bank charge and returned all the item and collect these fund from our bank account. i just look at the CFPB report where that was order to paid these fund back to the XXXX XXXX XXXX most convenient bank TD bank was ordered to pay XXXX million in penalty and restitution to it custom this ordered by the CFPB. as of XX/XX/XXXX. XXXX and we just file a compliant against this two month. ago.

Company response to consumer: Closed with explanation