vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I opened a new savings account with Citi Bank in XXXX. 
I made deposits of : XX/XX/XXXX - {$6700.00} from XXXX XX/XX/XXXX - {$500.00} from XXXX XX/XX/XXXX - {$2500.00} from XXXX XX/XX/XXXX - {$440.00} On XX/XX/XXXX I transferred {$5000.00} from XXXX, which Citi Bank flagged as suspicious ( after accepting my {$5000.00} deposit ) and locked my account. On XX/XX/XXXX I received an email stating my account would be closed within 60 days. I have called Citi Bank numerous times and get different answers each time. I have been told twice, that {$0.00} was due to client. The lastest is that Citi Bank will send me a check for {$3100.00} within 10 days. When I asked about the rest of my {$12000.00} plus funds, I am being told that I must contact XXXX and XXXX for them to retrieve my funds, because Citi Bank will not mail me a check or return the funds to my accounts. It has been over 3 months now and I have not received any of my funds.

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 2023-06-28 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: CA

Complaint narrative:
I have 2 fraudulent inquiries on my credit report, that I reported it to XXXX XXXX XXXX, yet XXXX  XXXX XXXX  is not removing this fraudulent inquiry. The followings are the fraudulent inquiries : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XXXX / XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights : XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX Dept of ED/ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I had a policy on a boat through XXXX XXXX and underwritten by XXXX. 

My policy autorenewed on XX/XX/26 and I cancelled and switched to XXXX on XXXX ( 6 days ). 

My policy amount was {$680.00} so for 6 days I should owe {$11.00}. I was billed {$76.00}. 

I called XXXX to understand why and they told me that I had to call XXXX XXXX and they could not provide me with details. I called XXXX XXXX and they told me that the billing amount was incorrect and instructed me not to pay it and they would resolve it. I receive another notice on XXXX telling me the amount was still due and if I did no pay it would go to collections. I've never paid anything late in my life and have a perfect credit report. I called XXXX again ( several times ) and have text messages from my account manger that documents this conversation. First they told me that there is a 10 % early cancellation penalty and that was the reason. I asked for documentation to confirm their explanation. None was provided. I followed up. I was then told that there is not a 10 % cancellation and the amount will be removed. It wasn't. 

My account was then sent to collections. I paid the incorrect amount to immediately resolve the open issue, but it a fraudulent charge and I want this resolved accurately for the principle of it. XXXX sent me documentation without any detail as to how the {$76.00} was calculate. This is corporate greed using the Credit Reporting Agency system to extract money from consumers who think they have no options. 

I have text messages and a recording of my last call with XXXX and XXXX that I can provide to support my claim and I'm in Texas so it's legal for XXXX party to record the call. 

I am very thankful we have regulatory bodies to to keep corporations in check again crimes like this and appreciate your support. 

XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
Contacted Prosper Credit customer service. I when from a by weekly pay date to monthly. I asked to change my due date. This the first time I made the request. They told me that their system needed updating and would not allow the change in due date. My credit card contract with them stipulates that I have the right to change the due date every 365 day period. I put a complaint in before and the never responded. I requested a complaint ticket number for the current complaint # 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 2023-06-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$0.00} - Charge off Amount {$4800.00} XXXX received- NO XXXX - Charged off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX? 
Equifax - Charged off XX/XX/XXXX Sold to Collections XXXX XXXX XXXX- Balance {$2900.00} Charge off {$22000.00} XXXX received- NO The car was stolen in XXXX of XXXX. My insurance paid and my XXXX insurance paid. This should NOT BE a charge off. The account was paid in full. They show the account being charged off in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX Balance {$380.00} Charge off Amt {$380.00} 1099C received XXXXNO XXXX - Charged off XX/XX/XXXX Equifax - Charged of XX/XX/XXXX XXXX  XXXX Balance {$2500.00} Charge off Amount {$2500.00} XXXX received-NO XXXX - Charged off XX/XX/XXXX Equifax - Charged off XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Constar Financial Services, LLC
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Date XX/XX/2023 Amount {$710.00} Collection Agency ( XXXX  ) for ( XXXX  XXXX ) I paid this debt in full. I never got a reciept from the company, stating I paid in full, I had to call and ask for paid in full document. I consistenly asked XXXX  XXXX and XXXX to remove it off my credit report and its a cat and mouse were collection agency is saying capital one has to do it and visversa. I'm getting nowhere please help.

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 2023-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I sent a verification for debt on XX/XX/23 I spoke ( via phone ) with service finance company and requested they only contact me thru mail system. On XX/XX/23, after several calls a week, I emailed them not to contact me via phone ; only in writing. they continued to call. On XX/XX/23 they received a certified letter validating debt. they haven't responded to letter and continue to call me. On XX/XX/23 service finance continues to call me and email me to collect on debt. This is a violation of 15 usc 166B, 15 usc 1681IA 2 ( A ) ( I ), FCRA 15 USC 16811 N - willful noncompliance. This debt doesnt match my name or my signature on promissory note to pay. I have attached proof the have been sent a debt verification notice as of XX/XX/23

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 2023-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
The Specialized Loan Servicing LLC, our mortgage loan servicer. appointee by XXXX XXXX  XXXX, manipulating our mortgage account for past three years. 
They bought three years of home insurance policy on their own without our permission and without having any authorities or rights and adding the cost of their purchases into our monthly mortgage bills. 
We as a customer have a right to have a correct receipt and bill. In order to confront them we stop to pay their incorrect bills. They started harassing us by sending Collection agency after us and now they brought a case against us in a Civil court for being in default and filled for foreclosure on our home. 
The cost of their three years of home insurance policy is nearly XXXX dollars. that they already added to our mortgage account.

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 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights : XXXX XXXX XXXX  : opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX Dept of ED/ XXXX Opened : XX/XX/XXXX -XXXXXXXX- XXXX1-XXXX -XXXX- XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-28 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: GA

Complaint narrative:
In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights : XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX Dept of ED/ XXXX Opened : XX/XX/XXXX -XXXX- XXXX-XXXX -XXXX- XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-28 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: GA

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am writing to ask for your support in obtaining a refund for a trip I previously paid for on XX/XX/XXXXXXXX  of {$1900.00} for my 3rd service trip with XXXX XXXX XXXX. I was to go to XXXX and the XXXX trip was postponed due to XXXX, it was moved to XXXX, and moved again to XXXX. XX/XX/XXXX we were notified there would be no trips after XXXX. 

I filed complaints with Chase, even contacting the corporate office. I was told that my complaint exceeded the 540 ( unsure exact number yet in that range ) day rule to dispute a charge. I have since found out that the clock was to start counting when I was notified that the trip would not happen, not when I paid. Thus I am still well within the range to dispute. Chase informed me they follow VISA rules and they have to power to alter. Per Visa on an email to me XX/XX/XXXX, that is not true and each financial institution sets its own criteria. 

Also, on a side note, responses from Chase corporate were via phone calls. I have never received a letter even though they verified that a letter was being sent to my friend XXXX XXXX whom I gave credit card charging privileges on my account when we travel together as she doesn't own a credit card. 

Many XXXX travelers have received refunds. There is travel insurance on our credit cards, and if this doesnt fall under an issue with travel it certainly is covered under paying for a service not received. I just turned XXXX old and I can not afford such a loss, plus I expected the service trip to XXXX would be my last. 

I am hearing from others via a support group that was started for We XXXX XXXX Travelers who lost all their money that you have been helpful and refunds are being issued. I am grateful for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-06-28 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: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
In checking my credit report, I noticed an improper entry from Southwest Credit System, XXXX XXXX XXXX, XXXX, TX XXXX. Allegedly relating an delinquent XXXX account. 

I do not have any delinquent accounts with Southwest Credit System or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have 2 fraudulent inquiries on my credit report, that I reported it to Capital One Bank, yet Capital One Bank is not removing this fraudulent inquiry. The followings are the fraudulent inquiries : CAPITAL ONE BANK USA XXXX XX/XX/XXXX and CAPITAL ONE BANK USA / XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I strongly believe that this action was a result of a mistake, as I have not violated any of PayPal 's policies. 

I have been a loyal and active PayPal user for a considerable period of time, and I have always adhered to the terms and conditions outlined by PayPal. It came as a shock to me when my account was suddenly limited, as I have consistently maintained a high level of integrity in my transactions. 

I kindly request that PayPal re-investigate my case and reconsider the permanent limitation imposed on my account. I am confident that a thorough review will reveal that no violations have occurred. I sincerely hope that PayPal will recognize this error and take the necessary steps to restore my account. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly ask that you provide updates regarding the progress of the investigation and any further actions required from my end. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the reinstatement of my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had posted an advertisement on XXXX looking for a roommate. A person named XXXX XXXX ( XXXX, XXXX ) reached out to me via email that he is looking for accommodation for his daughter and is interested in it on XX/XX/XXXX. He mentioned that his daughter XXXX XXXX ( XXXX ) would be moving in XX/XX/XXXX and sent her ID proof ( passport ). I had requested an amount of XXXX $ for the rent ( XXXX for XX/XX/XXXX to XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX rent - XXXX $ ). He sent me a check for XXXX $ via email on the same day and asked to do a mobile deposit and I did and asked me to deduct the rent amount ( XXXX $ ) and send the remaining amount ( XXXX $ = XXXX $ - XXXX $ ) via Chase XXXX to a specific contact number of XXXX ( XXXX ). On XX/XX/XXXX the check got cleared and I received the funds. On the same day, I sent XXXX $ through XXXX to the above number. On XX/XX/XXXX I sent the remaining XXXX $ through XXXX to the same number. On XX/XX/XXXX the check for XXXX $ was recalled back and the funds were removed from my account. I called Chase and they mentioned that the depositor had requested for the check to be recalled. I don't know how Chase permits to recall checks that are already cleared. 

I have filed a police report in XXXX, Washington and the investigation in ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
Flagstar Bank fails to remediate payment credit allocation issue with funds going to the incorrect accounts creating late payments and other logistic problems. One of my complaints is the website that will not accept payment from business accounts which is a problem for me accountingwise. This forces me to look at their website for th changes every month to be sure that I am current. I tried to remediate three times at a minimum over the last 4 months with their customer service. The reps were professional and assitive. However, when routed to a manager whom I spoke on the XXXX of XXXX. She was XXXX.and XXXX  from the start. When I tried to explain the problem, she continuous interrupted me while speaking crypticaly about what this remediation process was not conducted in the same dept and that I had run out of time to remediate ( 90 days ) and that Flagstar will not redistribute funds to their proper location even after paying differences in payments to correct the books. Flagstar failed to remediate my issue and the manager was provacative to the point of my losing my temper. I am a veteran business owner who feels discriminated by Flagstar as they have put up several procedural obstructive barriers to resolve problem or even contact them. The phone system asks for a full social secutiry number to be punched and my result was to be kicked out of their phone system. I finally reached Flagstar CS through a very frustrating gauntlet of redirection. They are not small business friendly and has put up barriers to service in particular to deal with businesses like mine. I have to do MORE work than a regular consumer by their design. Flagstar was not my first mortgagor for these five accounts and previous mortgagors were small business friendly and CS oriented. I hope there not a great many Flagstar customers have had my customer experince. It truly sucked. It is my hope that they sell my notes to another bank to service these loans. I will take the gamble of whether another mortgagor will service my accounts will be better.

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