vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One bank decided to stop making their " XXXX Savings Account '' as well as a money market account and instead opened up their " Performance Savings Account '', in the process all the customers with the XXXX account had their interest rate set to match the children 's savings account rate of 0.30 % APY while new customers were given the rate of 3.30 % APY on the Performance accounts. They did not reach out to their longstanding existing customers to let them know of this change. So basically their prior basic account was downgraded and they are getting away with paying customers 11 times less interest for the same basic account that is now under a different name. The only difference between the old XXXX account and the new XXXX account is the interest rate. After speaking with a manager on XX/XX/23 ( after I noticed the massive discrepancy in interest rates ) I was told there is absolutely nothing they can do about back interest owed by them or about changing the interest rate of their own accounts ( that they have been steadily decreasing the interest rate on for years, even with loan interest rates at an all time high ). My only option is to open a new account, change all my direct deposit and payment information around, and write a letter to the office of the president ( that will most likely go in the trash upon receipt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd

Complaint narrative:
Wise deactivate my account ( wise is a virtual banking services ) I use wise for my payments which is received from my clients and wise suspend my account almost 3 month ago and I summited an email with all the information which they demand like my picture and my national identity card and they give code and they told me to write on blank page and they told me to hold it beside my face with your national identity card and I summit all of the things and then they reply me after XXXX to 50 days and amount is stuck in that which is almost XXXX $ and wise not demand any extra bank account to give your amount but I send but not giving my amount and not telling me why your account got suspended here is my email from where the wise can verify or find my account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Someone connected or allegedly connected with Mr Cooper. A representative I had spoken with had accessed to my account and taken the money with out permission for their personal use. The amount was supposed to be {$1600.00}, for XXXX payments of {$800.00} to catch up for XXXX months payment. It was during the Covid pandemic and the employee was working from home. The bank notified me that XXXX XXXX dollars was being charged to my account in which I did not have and was very helpful to me. I was told by the bank to notify Mr Cooper about this error. I notified Mr Cooper representative and told them what happened and of course I was speaking to a different representative they apologized and said the error would be corrected. A week later the bank notified me Mr Cooper repeated the same transaction to draft XXXX XXXX dollars out of my account at the point I did not know who I was dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
RightPath Servicing has fraudulently charged me for insurance on my property. 
I will keep this simple, as RightPath Servicing seems to have difficulty recognizing their responsibility, or more likely, evading answering the simple question, Is Hazard Insurance different from XXXX XXXX? 
RightPath Servicing repeatedly took the position that my hazard insurance expired and I needed to purchase HAZARD INSURANCE in order to avoid them purchasing HAZARD INSURANCE on my behalf. 
As RightPath Servicing has stated in their response, they were not responsible for sending a letter dated XX/XX/22, a letter I never received, claiming to have purchased XXXX XXXX on my behalf. I was only made aware of the XXXX XXXX policy when I attempted to make my XXXX mortgage payment on line and noticed I was being charged a {$1000.00} increase per month for this XXXX insurance. I immediately contacted my insurance agent and told them I had been charged for XXXX insurance after being repeatedly told by RightPath Servicing that I needed to purchase hazard insurance. I filed a complaint on XX/XX/22 and RightPath Servicing responded on XX/XX/22 with a thorough description of what it was they were actually requiring, a XXXX insurance policy AND NOT HAZARD INSURANCE. 
RightPath Servicing expects me to pay for XXXX insurance they purchased after sending me letters, repeatedly, claiming I needed to purchase Hazard Insurance, not XXXX XXXX. My insurance agent could not make sense of XXXX position, from the repeated letters claiming the need for hazard insurance when I already had hazard insurance and sent RightPath Servicing proof of such. 

The simple question to RightPath Servicing is, where, anywhere, is XXXX insurance described or referred to as hazard insurance?. In fact, I have provided language from the largest insurance providers in the country, stating hazard insurance is not the same as XXXX insurance. 
How does RightPath Servicing justify charging for insurance that is completely different from what they requested I purchase? 

This is either extreme negligence or, more likely, fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Im XXXX  and purchased a computer from Best Buy XX/XX/2022 with their Geek support, by opening a Best Buy Credit card. I have an excellent rating. My understanding was that it would be interest free if paid off in 18 months. The total came to a little over {$1000.00}. I made my first payment before receiving my first bill, while setting up the online payment at my bank. 

Most of my income comes in the first of the month. Every month, when my checks come in I have paid {$100.00} on the first of the month ; more than was due! I recently discovered that Best Buy XXXX XXXX Bank has been charging me a {$30.00} late fee, because I made a payment before it was due! 

I think a smart XXXX Bank or Best Buy XXXX has figured out that they can make more money charging {$30.00} late fees than charging interest, hoping seniors wouldnt notice the late fee. So far they have charged me {$90.00} in late fees, even though I have made a {$100.00} payment each month. 

I wrote Best Buy, they never responded. After filing multiple complaints XXXX bank has refunded the late fees.

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 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Bank accepted federal funds on or about XX/XX/XXXX and now denies the funds to be paid to a servicer XXXX XXXXXX/XX/XXXX -- XXXX XXXX XXXXXXXX my loan service on the same day in retaliation- XXXX received the funds. 

XXXX also sold my loan to another Investor without notice to consumer. The XXXX XXXX is demanding the same amount over $ XXXX from consumer in a fraud attempt and added legal fees given to them by Wells Fargo to bolster the mortgage payment from my agreed monthly payment. 

There were NO legal actions tendered by certified mail to consumer -- NO legal fee balances tendered to the federal housing agency on or before to included in the final check was issued on or before XX/XX/XXXX. 

XXXX continued to refuse to provide the final balance due amounts to the federal housing agency then tendered another mortgage statement or or before XXXX after the housing agency paid Wells Fargo to put the consumer in unsustainable mortgage debt. This action was not action agreed upon by XXXX in acceptance of over $ XXXX in funds to resolve and help homeowner to make sustainable mortgage payments. 

XXXX was working with XXXX XXXX XXXX XXXX that can attest to these facts. 

Consumer credit is at jeopardy and request immediate assistance to resolve this fraudulent activity by Wells Fargo. 

XXXX - Wells Fargo modification was applied by consumer XXXX XXXX- Wells Fargo NEVER sent a denial that forced consumer to go to a federal housing agency for assistance. By law consumer should have received a denial letter.

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 2023-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My wife and I wanted to buy a puppy and she found what she thought was a reputable breeder that had puppies for sale. The price was in line with what other breeders were charging. A deposit of {$400.00} was required, which we thought this was reasonable. The breeder wanted to use XXXX for the deposit transaction. We were not familiar with XXXX but the breeder said XXXX was offered thru our Chase Bank. I went online, logged into our XXXX account and saw XXXX listed as an option to use for making payments so we thought XXXX had to be secure, right?? 
Shortly after my wife completed the XXXX transaction, the breeder basically quit communicating with us and we knew pretty quickly that we had been scammed. I immediately called the XXXX customer service XXXX number asking for the transaction to be reversed and was told the fund transfer could not be reversed and there was nothing XXXX could do even though the scammers name and account # appears on my XXXX statement. The next day I spoke with my local XXXX office and was again told the transaction could not be reversed and also told that even though XXXX appears on the XXXX website, it is a third party not controlled by XXXX and therefore my money was gone. ( I just recently found out that XXXX XXXX has XXXX in XXXX ) XXXX 

XXXX still has a significant presence on the XXXX website. Why? Scammers present XXXX as a safe secure method of transferring funds. Scammers point out that XXXX is on the XXXX website so its got ta be safe, right?!! In fact, up until recently, when I'd access my XXXX account on line, a pop up box would ask me if I want to activate the XXXX feature. 

In an effort to gather as much information as possible to include in this complaint, I recently spoke with my local Chase representative ( who is the same person I spoke with back when I was scammed ). He said that, yes, there is still information about this scam noted on my account history ( including his notes and the inquiry he submitted up the ladder back then ). 
I asked if I could get a copy of that info to include with this complaint. He said he would check but called back and said the XXXX XXXX department said no, I could not have this information, unless I had a subpoena. WOW! Great customer service... Why can't I access information about my own account? 

I would like to submit a complaint to the Consumer Financial Protection Bureau, asking for the CFPB to convince XXXX or XXXX to refund my {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and caused defamation of my character : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
12 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.

15 U.S.C 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
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 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In XXXX I lived at an apartment complex. 
As the lease was ending ; the landlord failed to provide me a notice 60 days from the time my lease was ending as stated in their lease contract. 
They harassed me about their failure to do so and was not able to provide me the notice. 
However, that was not the end of the harassment and discrimination. 
I moved out and placed the keys in the unmarked and hard to facilitate drobox before the next business day started in the am and the landlord added a key fee of XXXX or so bucks. I pleaded that they run the security cameras and they would see the keys were placed in the drop box- before they were in the office next business day. 
I later received a bill from my move -out that was invalid. After months and days and weeks going back and forth with XXXX about the figures ; it was found that XXXX was miscalculating by excess time that I was never in the apartment. 
once I provided the correct calculations - she refused to provide me the remaining balance of my deposit. 
It has been over XXXX XXXX years since the communications. 
However, the XXXX has decided to think it is appropriate to now place the balance that they actually owe me on my credit report XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
pressler and pressler notified me of a court date that was for XX/XX/XXXX on XX/XX/XXXX. 
I would never had been able to attend on XX/XX/XXXX due to being XXXX  with XXXX and under XXXX XXXX XXXXThis was for an attempt to collect on a credit card. I submitted a debt validation letter on XX/XX/XXXX. 
pressler and pressler did respond for almost 3 weeks and when they did they did not supply the correct paperwork as a response. They simply sent me the paperwork they supposedly submitted to the courts on XXXX which did not include anything that the debt validation letter requested. I continued to request proof and even tried to get legal counsel ( all that contacted said they had affiliations with this law firm and it was conflict of interest ) The law company then sent me paperwork requesting all my financial information, bank accounts, paychecks, XXXX, savings inheritance.. and the paperwork said if i didn't comply i would be held in contempt of court and would be arrested for not complying ( again i had not received ANY notifications from the courts for anything about this case ) Which the legal counsel i was trying to procure at the time instructed me to wait for same paperwork from the courts.. which never arrived. This was the last I heard from pressler and pressler until XX/XX/XXXX when i found that there was a wage garnishment. This was supposedly granted on XX/XX/XXXX. Again.. I never received ANY notification of a court date from ANYONE including the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I submitted to them a claim a dispute the stating that my account had unauthorized use while I was incarcerated. I had possession of my card at all times never gave up the card information, no other authorized users and was not able to make any transactions as I was incarcerated I was asked for proof of incarceration I provided that and also a police reporter was provided they then told me that they're investigation decided that there was no fraudulent activity however the police report did find fraudulent activity of course there was fraudulant activity if I didn't get to spend my money that was in my account they will not resolve the issue

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 2023-01-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and XXXX XXXX XXXX : XXXX  - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  - XXXX. 

12 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.

15 U.S.C 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

12 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.

15 U.S.C 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, 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