vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On or abound XX/XX/XXXX, I received a letter from capital one bank requesting validation/verification of my information as the owner of the account.At the time I wasXX/XX/XXXX and XX/XX/XXXX to my child which delayed my response to the banks request. The bank then proceeded to close my account with a balance {$27.00}, XXXX dollars. 
In XX/XX/XXXX I saw on the mobile application that my funds were withdraw via a customer withdrawaland my account had a XXXX balance. This prompted me contacting the bank who since I did not make a customer withdrawal.The bank representative then stated that the account was closed NOT that the funds were withdrawn.

The bank representative then stated a check was mailed to me.However, at the time I did not receive a check and stated that it was lost.In or around XX/XX/XXXX I later found the check and took it to the bank.However, the bank refused to deposit the check since it was reported lost. 
In late XXXX, XXXX I was advised by the bank representative that I needed to provide my tax id number, valid identification, and a signed affidavit of lost check before a new check can be issued.I submitted this information on XXXX, XXXX, then again on XXXX, XXXX and again on XX/XX/XXXX at the back request and prerequisite for mailing the new check.As of today XX/XX/XXXX I still did not receive my check.I requested that the bank provide a tracking number however the bank refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

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 2023-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL

Complaint narrative:
I spoke to a representative with Lakeview - Loan Care a couple of weeks ago to ask a question about our homeowners insurance escrow account.

We have switched homeowners insurance to a cheaper policy in order to lower our mortgage payment amount. Our previous insurance provider sent us a refund check, and I'd like to apply that to the shortage on our escrow account to catch it back up from the switch over. I called to get information on how much we needed to pay for the shortage, and how to make that payment.

The representative said since I wasn't on the loan account, and was not listed as an authorized user, I had to get my husband ( who is on the loan ) to add me. They asked that he call, however, he is in the military and XXXX to XXXX and can not make outgoing calls or accept incoming ones. So they suggested he go online to the website to do it. 

He did access the website and added my information in the request, but did not hear anything back or receive any further correspondence on it. When I called back to try and get the information, they said they still did not have the request or have me authorized on there. The rep said to give it a bit and try logging in again to see if it had any updates. 

Since then we have tried logging into the account, but the website is down due to the cyber attack. I also can not reach anyone on the phones, as the phone line is down. This problem has been ongoing for multiple days and after further research, in seems NOBODY with this loan servicer can access their account or speak to anyone to get any solid answers about ANYTHING. 

I need this company to get their website back up and running, get their phone lines back in order, and honor my husband 's request to add me as a user so I can manage our mortgage and make sure our escrow account is paid up to date and on time before the new year. I REFUSE to pay a higher mortgage payment come XXXX due to not being able to get this issue rectified with the mortgage servicer. If anything, my mortgage payment should be going DOWN since switching to cheaper insurance, not increasing by $ XXXX because of their mess up and inability to be communicated with.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I recently made a purchase on a credit card I have had for many years and maintain for credit purposes. I made the purchase so Bank of America would not close one of my oldest credit cards due to non-use ( it's been a couple of years since I used it ). When I went to pay the balance online I was unable to discern my interest rate from the online account. I believe this alone is a problem. It should not be a maze for a consumer to identify the interest rate for their credit card. I wanted to make sure it was still a low interest rate ( around 9 % ) before I started utilizing the card more regularly. I looked at old notices in the documents section of my online account, and it appeared that it had not increased based on that list of documents. Since I had not utilized the card for a while until recently, I was not yet able to generate an account statement. I called the customer service number to validate my interest rate remained around 9 %. After waiting on hold for 90 minutes, I spoke with a representative that said my interest rate had in fact been increased to around 15 %. I asked whether the company had notified me in writing. She said the bank is allowed to adjust my interest rate. I asked whether the bank had sent me a notice of the change. She said interest rates may be viewed by generating an online statement. I noted that I was not yet able to generate a statement ( my recent purchase was too recent for a statement to have been generated ). She said it would show up in a statement forthcoming. I asked if she agreed then that I had not been notified in advance of this change and she agreed. I asked her to note the content of our conversation in my account notes. I believe that I should have received 45 day advance notification of this interest rate change. Am I correct? If not, could you please explain.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XX/XX/XXXX Spending Account Ally Checking account open. 
with Ally Bank {$200.00} Checking Bonus ( XXXX ) XX/XX/XXXX Direct Deposit Future Amount : XXXX ~ Tran : XXXX {$1500.00} Latest date to receive the bonus payout past ( XX/XX/XXXX Was the last day to receive the bonus ) Tried to call/ chat with the bank associate for this matter. 

https : //www.ally.comXXXXXXXX This is the term and conditions Ally Bank is offering a {$200.00} checking bonus ( they call the account a Spending Account ) when you open a new checking account and get at least {$1500.00} in total direct deposits within 90 days.

Heres how to go about doing this bonus : Open your first Spending Account by XX/XX/XXXX. Use code XXXX. Make sure to fund your account within 30 days of opening it. 
Set up one or more direct deposits. Make sure they total at least {$1500.00} within 90 days. 
Youll get the {$200.00} bonus within 30 days of your account receiving {$1500.00} in qualified direct deposits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERIS BANCORP
State: PA

Complaint narrative:
I received my XXXX report and noticed a inquiry from Ameris Bancorp on XX/XX/2023 located in XXXX. I have not conducted any sort of business with this financial institute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and found the following items to be in error : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please ensure that all information is accurate 2. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX  Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/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 2023-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a dental first loan from Commenity bank, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX. I was at the dentist and the dental office suggested i take out this financing. I sign up for this financing at the office with no paperwork to read or know any financing traps this bank has. I have only spent XXXX on this and they slapped a XXXX finance charge on my account in XXXX. I did not approve or was aware of all this balloon interest or I would have never signed up for this at the dentist office. Nothing was explained to me about this account except it would be a supplement to my dental insurance. I saw no paperwork! This bank refuses to remove this XXXX and i refuse to pay XXXX for XXXX. 
I will provide documents when asked. I am waiting for mail from them. I will print out my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/23 on the train to XXXX, on my way to work, I received a work email to my phone what appeared to be from my boss. It had his name as the sender. I was on my XXXX  so I didn't see the address that it was coming from. I thought I was corresponding with my boss, who is an attorney. I am fairly new to the firm. He asked me when I was going to be in the office and that he was in a meeting and couldn't talk but that he needed me to call around to see where I can purchase XXXX  gift cards for him. 
He said it was for a client. My boss does represent less fortunate clients so I was thinking maybe they were in XXXX and needed to purchase a phone, I had no idea. I asked him for what client and he responded that he would tell me everything later. I completely thought that I was talking to my boss. Because of the verbiage, I had never doubted that this was him. I went to a XXXX and did what he asked, bought the gift cards, scratched off the back and sent him a picture. All this communication is attached in this complaint. I got to work to find my boss at work. And he confirmed that this was not him. 
It was all done, and nothing I could do at that time. And looking on my computer I could see this wasn't my boss 's address. 
I submitted the emails to XXXX XXXX, XXXX XXXX. They reimbursed me but that was for a short time. I received a letter from them XXXX  XX/XX/23 that they will be taking the $ XXXX my account on Monday and they did. I called again to plea my case and was denied. 
I was completely scammed and taken from these awful people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2023, I ordered a new Wells Fargo card and in this process they offered a low-rate balance transfer. I provided a sixteen-digit account number from XXXX XXXX XXXX and they did not confirm it but later showed me that it was sent to XXXXXXXX XXXX XXXX I called immediately and said I am not requesting funding go to XXXXXXXX XXXX and they said they did not see any pending and would likely need to be re-processed. XXXX week later the card account showed the balance of {$4600.00} ( the {$4500.00} balance transfer with the {$130.00} balance transfer fee ). I called on XX/XX/2023 and Wells Fargo said contact XXXX XXXX to see how to get it sent back to Wells Fargo but they had no number to contact at XXXXXXXX XXXX. I called XXXXXXXX XXXX as they were on the phone for nearly XXXX minutes attempting to locate this lost funding. 

Wells Fargo should do a much better job verifying where they are sending funding and assisting consumers when a card is not applied correctly as requested. A simple mailing address and verification of the recipient of the funding would go a long way. Obviously, the customer service person from Wells Fargo did not care to hear suggestions for improvement.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: PRESTIGE FINANCIAL SERVICES INC
State: MI

Complaint narrative:
I have 26 Hard inquiries that Im not aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with 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 explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
This company has engaged in abusive, deceptive, and unfair practices that are prohibited by the FDCPA. They've reported accounts without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Envision Payment Solutions, Inc.
State: TX

Complaint narrative:
My son XXXX XXXX XXXX XXXX XXXX XXXX  ) goes to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There was a field trip for which I made the payment of {$45.00} via check from my XXXX XXXX  checking account. Check was sent during end of XX/XX/2023. My bank had enough funds. I don't know why funds were not taken from my XXXX XXXX  account. Yesterday I got a written letter from Envision Payment solutions. Today when i called Envision Payment solutions, they have no answers to my questions like : 1 ) Who is the point of contact in XXXX for this? 
XXXX ) What is the way to protest as funds were there in my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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