vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Usaa My account was croupted 4 mths ago usaa send 3 new atm cards and I closed my checking account. All attempts were by ach I had over 20 within 90 days sometimes 3 a week Usaa would always refund any money taken and fees. However after 3 attempts in one week it takes an 10 business days to settle each event. Preventing me from closings the account in the mean time 3 more would come in same account number different name you would think they could figure it out after speaking with 4 mangers a fraud department twice. There suggestion is for me to pay the {$29.00} overdraft fees and close the account Now I already been refunded the money taken this is about the overdraft fee which I refused to pay All I want is to close the account

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I do not have a Capital One Checking account nor any account with Capital One. 
On XXXX I received two letters for Capital One Bank stating that my checks had been successfully deposited. The deposit dates on both letters was XXXX. The account number is XXXX. One check for {$97.00} and XXXX for {$96.00}. 
I have reported this fraud to Capital One. 
Apparently my SS number is out there. I have closed multiple fraudulent accounts this year. 
The only way I am notified is, if the banks send me US postal mail. 
I truly wish the banks would run a credit check, before opening an online account as my credit is frozen and has Fraud Alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am currently in a repayment plan with my mortgager until l am able to refinance with another bank. l owe no more interest and they dont refi. l have sent all of my payments on time but every few months they reject payment and delay in processing. Currently my payments were finally accepted but they are putting me in default and/ or forbearance against my wishes to delay me from obtaining a refinance in XXXX. I have been trying to work with them to correct the problem on their end but they making the problem worse and worse. l know have received several demand letters stating they will refer case to a lawyer if not resolved. l have been in complete compliance in my repayment plan since day one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/2022 I received a copy on my consumer report, and I noticed that someone else information was added to my credit report. I immediately contacted all parties involved about this matter and have tried to work this out to get this inaccurate information removed from my reports. Under the Fair Credit reporting Act this is a violation of my rights as a consumer. XXXX XXXX XXXX is reporting an auto loan that does not belong to me, the CFPB States the FINANCE COMPANY XXXX XXXX XXXX IS IN VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) for false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/2022 I received a copy on my consumer report, and I noticed that someone else information was added to my credit report. I immediately contacted all parties involved about this matter and have tried to work this out to get this inaccurate information removed from my reports. Under the Fair Credit reporting Act this is a violation of my rights as a consumer. XXXX XXXX XXXX is reporting an auto loan that does not belong to me, the CFPB States the FINANCE COMPANY XXXX XXXX XXXX IS IN VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) for false and inaccurate information.

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Sometime in XXXX I became aware of a Capital One account had been opened in my name. I honestly can not remember how but I think Capital One contacted me. At the time of the call I thought it was done, account closed. I did ask for verification of the closed account to be mailed to me. I got verification of XXXX accounts being closed in separate envelops. 
The account I was aware of, XXXX XXXX I have no idea what this other account is and couldn't get any additional info from Capital One fraud representative, the other account ended in XXXX. 
Since verification of XXXX accounts being closed I still receive communication from them as if I am a customer. I don't have the date but, I have received a debit card well after the closing of the accounts. I have called each time and they confirm I don't have a account. Today I received a notice about setting up my new 360 checking account ( I am embarrassed to say I can not remember how the message came to me, it had to be by text but I can not find it! ) I went to the website for their phone number and called. Thinking I was still dealing with the first XXXX accounts I inadvertently found another account had been opened in my name, the last XXXX digits are XXXX. I couldn't get any additional info about this account from the Capital One representative except it the information to open the account was done online yesterday, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transaction.

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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
I filed a policy report that deals with indentity theft, which relates to a number of issues concerning identity theft at the time. Upon retiring from XXXX XXXX XXXX, management, during the month of XXXXXXXX XXXX I noticed suspicious activity, that included someone hacking into my identity, filing for unemployment I never requested, likely using up some of my old credit cards for higher balances being increased as reported on the credit reports, such as XXXX by original creditor, XXXX XXXX XXXX XXXX ( a XXXX XXXX XXXX ). The purpose of this request is that I highly question the suspicious activity to this particular account being reported here. I'm asking the Creditor or anyone who has access to the specific details concerning all transactions to this account from the last two years prior to it's closing of account. Could this account have a full furnished detail of itemized transactions of dates and maybe of times of those transactions? I believe this account was originally not owed anything, prior to these ring ups in transactions, and if no response is achieved within 15 days of this request, would you be able to have all credit reporting bureaus, XXXX, XXXX, XXXX erase this account balance to a zero balance if we don't get response in time for reporting to be update on what those transactions are that caused this balance to become {$5100.00} in the first place. thank you

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WY

Complaint narrative:
My account has been shut down numerous times and now permanetly and this has been going on for over 3 weeks. I need my money to pay my bills utilities etc Iam in my winter home out of the country and Cant even buy food. now they keep giving me excuse why they will not send me my money

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX. Bank Of America with NO authorization issued a payment to XXXX XXXX in the amount of $ XXXX leaving my account over drafted. 

Not only that I do NOT have an XXXX card but they left me no funds on the account. Not money for living. They took ALL THE FUNDS. 

On top of that they changed my personal information on the online banking- changing my email address where i receive all the correspondences. 

Until today I've spent hours on the funds and until now this has not been 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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/2021 XXXX XXXX {$36000.00} this is not correct information reporting to the credit bureau. unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that informatiob

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/2021 XXXX XXXX {$36000.00} this is not correct information reporting to the credit bureau. unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that informatiob

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 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citicards offered Balance transfer with zero interest until XX/XX/2023. However started to charge interest for every purchase you make with no regards to billing cycle and payments I make. For example if the card charged XXXX dollars XXXX XXXX  they will put 23 % for the amount on the date it was charged even when I am paying it off by the end of the month like I always paid this credit card. They claimed that in order for me to get back my end of month Grace period I have to pay the entire XXXX XXXX  back even when they took XXXX fees upfront for XXXX interest until 2023. 

No other credit charges interest for purchases which were paid within the billing cycle.

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 2022-11-18 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX employee charged for luggage {$99.00} before boarding a flight on XX/XX/2022. Luggage meets airline requirements and measurements. 

Merchant not willing to solve the problem after discussing the issue. 

Disputed claim with credit card. Credit card response was unilateral for the merchant ; not providing me the merchant response. Credit card not willing to give the opportunity for me to submit pictures of luggage and its measurements that show it complies with airline policy.

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 2022-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
I changed bank accounts, so I updated my autopay online, however the system used my old bank account instead. This happened twice, and when I finally talked to someone, they said that I should turn auto pay off, make a manual payment, and then wait for that to post before setting it up again with my new bank account. Now my autopayments do not increase my available credit for over TWO WEEKS. When I messaged them online about it last month, they said they had to have a conference call with my bank to verify that the payment posted. They finally updated my available credit after I complained last month, but they did the same thing this month. So I called. And they said it was because I had a returned payment in the last year, so that they only way that I can get my available credit adjusted is to have a conference call with my bank. WHAT? It was their system 's fault that I had a return payment, and not only did I have to pay a fee for that, now they won't updated my available credit in a timely manner? The rest of the world can verify payments and post them in at least a couple of business days if not immediately, and the payment is processed out of my bank on my autopay date, but TD can't verify that it isn't returned for TWO WEEKS? What century is your company operating in?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
About 6 weeks ago there was a message put on my Capitol One account that funds were not accessible to me. I called the #, which took me to a voicemail. I left multiple messages, one day somebody called me back and explained that they were closing my account due to transfers not happening. The issue for me is it took way to long to transfer funds from my XXXX account to the Capitol One account and I was going to close it anyway. They told me as soon as all pending activity cleared they would send me my funds. I call every day and ask for a call back, none as of yet. Still no funds and still the same message on my account. Please help me, I am not wealthy and the money is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I never had a bad experience with other dealers to purchase a car. 
I came to XXXX XXXX XXXXXXXX XXXX  in XXXX, IL to buy a new car. 
The salesperson lied to me that the dealership doesnt have the new cars. I bought the used car XXXX XXXX, giving deposit {$5000.00}. 
After XXXX day of purchasing of used car XXXX XXXX XXXX I came back to return the car and get the new one because they had the new cars in stock. The salesman took the used car in trade-in on {$5700.00} less that it cost XXXX day ago, it's less than 24 hours from purchase the car. The value of the car was {$32000.00}, on the next day the dealer took this car in trade-in for {$27000.00}, difference in trade-in {$5700.00} and didn't return or transfer the deposit {$5000.00} to the next installment contract. 
It's terrible, it's fraud. Also he added XXXX XXXX XXXX for {$990.00} in buyer 's contract and didn't return this amount in the next installment but added again {$990.00} XXXX XXXX. XXXX. 
For what protection/warranty it worked XXXX day? 

I got the new XXXX XXXX XXXX for base selling price {$35000.00}, they added to my retail installment contract difference in trade-in {$4900.00} plus XXXX XXXX XXXX XXXX {$990.00} again. 
In the meantime Accident happened on XX/XX/XXXX with the car XXXX XXXX XXXX. 
The car determined is total loss. The damage to the vehicle exceeded the repairability threshold. The damage estimate is {$28000.00}. 
The dealer XXXX XXXX XXXX refused to return the amount on Protection Packages and the difference {$4900.00} value on the previous XXXX XXXX XXXX. After insurance will paid off by settlement I'll still have the loan balance and I don't have the car anymore. 
I paid already 12 % of the loan, it's {$5300.00}, my deposit {$5000.00} didn't return and I still should to pay the loan balance? 
Why should I pay for a car that doesn't exist anymore? 
Please resolve this issues with the XXXX XXXX dealer in XXXX, IL because they didn't want to return nothing from previous cars. This is fraud and robbery from the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
My mortgage account was transferred to XXXXXXXX XXXX from Amerihome Mortgage. A payment of {$9300.00} was made to Amerihome for 2 months payment and escrow shortage. Amerihome has not transferred the payment to XXXX  and they have no tracking of the funds being transferred. They are unable to tell me were exactly the funds are. I need this payment investigated and successfully transferred to XXXX to avoid negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last active is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under.

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 instructions. 

Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # 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