vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Synovus Bank
State: FL

Complaint narrative:
After Hurricane lan hit XXXX Florida on XX/XX/XXXX XXXX changed our flood zone ( on XX/XX/XXXX ) to a " Special Flood Hazard Area- XXXX XXXX '' which according to FEMA means we ARE NOT REQUIRED to have flood insurance, because according to FEMA this is a MODERATE to LOW risk area.We have a freshwater canal behind our house that is designated as ZONE XXXX, and when FEMA drew the lines separating Zones, part of our pool cage fell in Zone AE. We have a complaint in with FEMA regarding this. Synovus holds an equity line of credit for us with a XXXX dollar balance.Our primary mortgage company has not forced flood insurance on us, but XXXX did.On XX/XX/XXXX we received a notice from Synovus stating that we had 45 days to acquire flood insurance for our property.We complied with this request and secured flood insurance within the 45 day requirement.This is where my complaint comes in. On XX/XX/XXXX we received a notice from Synovus stating that they received our flood insurance policy and NOW Synovus was going to back charge us for flood insurance they SUPPOSEDLY purchased for our property without our consent and without notifying us and now they are back charging us {$800.00} for what they called a " lapse in coverage '' dating back to XX/XX/XXXX when FEMA changed flood zones.This is outrageous. Synovus then charged our home equity line of credit for the {$800.00}. We have been in contact with XXXX XXXX ( XXXXXXXX XXXX XXXX Manager of Synovus Bank ) who has not been very helpful in resolving this matter. My question is, If Synovus knew about the change in flood zones and were requesting flood insurance on our home starting XX/XX/XXXX, then why didn't they contact us in XXXX to require flood insurance? Instead they claim they purchased a high premium flood insurance policy on our home without notifying us at the time and then decided to back charge us for the time we were unaware our home flood zone was changed unbeknownst to us We contacted our cities flood plane manager and he told us " It looks like the XXXX flood line clips your pool cage, which shouldn't put your structure in a flood zone as the pool foundation is separate from the residence foundation XXXX XXXX He also stated that, " lenders are frankly lazy into looking into this, and that FEMA 's designation is that " For floodplain management purposes, a structure is a walled and roofed building, including a gas or liquid storage tank, that is principally above ground, as well as a manufactured home. The terms " structure '' and " building '' are interchangeable in the National Flood Insurance Program ( NIP ) and therefore a pool cage is not a structure, ergo, if the cage is in a flood zone it is irrelevant. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I received an email from PayPal Thanking me for a purchase for an Antivirus Application. I do not have a PayPal account. I called the number listed on the invoice and let them know that I did not make this purchase and the individual I talked to got very hostile after he asked me to login to my computer so he could fix the problem and I refused. He informed me that he was PayPal 's " XXXX XXXX XXXX ''. I refused to give him any personal information. The number I called is ( XXXX ) XXXX. I DO NOT have a Paypal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America mistakenly stopped the automatic payments that paid off the balance of my credit card every month in XXXX of 2023 without my knowledge or consent. This caused me to be late through no fault of my own. They submitted false reports to the credit bureaus but never told me that my automatic payments had been stopped or that I was late until I got a letter in the mail dated XX/XX/2023. In the meantime, I got routine monthly emails telling me that my statement was available online but they said nothing about my being late or that my automatic payments had stopped or that they had already destroyed my nearly perfect credit score. 

I sent four letters to Bank of America and started disputes with and sent the attached documentation to all three credit bureaus in XXXX of 2023. Ive done everything possible to make Bank of America correct the record and restore my credit line but they have been completely unresponsive. They refuse to take responsibility for their unwarranted actions that damaged my credit and caused me great harm. When you read the attached letters, youll understand why Im submitting a complaint against them.

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 2023-04-28 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: TX

Complaint narrative:
XXXX XXXX, XXXX, Equifax and XXXX XXXX XXXX have violated my privacy due to the Fair Credit Report and Privacy. I notices my bankruptcy was report without my written or verbal consent. The courts of Texas does not report information to any credit reporting agency ... ... .So how can they report my information... ..My information is private

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I wish to contest a recurring charge from XXXX XXXX in the amount of {$190.00} dated XX/XX/XXXX and again XX/XX/XXXX on my Capital One Venture credit card. I have been asked by XXXX and Capital One to show proof of cancellation. I do not have any proof because XXXX said it was a recurring automatic charge. I do not have any way of disproving this charge because I have not ever received any form of approval from XXXX. 
In XX/XX/XXXX I received an email saying that they were going to charge my Capital credit card. I called the telephone number, and I was talking with a very belligerent and profane man. He used the XXXX XXXX many times and somehow he was able to show a charge to personal checking account. I was adamant that this was illegal, which he answered with an XXXX XXXX. 
I immediately went to my local bank and they had to cancel my checking and savings accounts. I have contested this charge with Capital One and have been unable to get them to stop this charge being posted to my credit card. When I called XXXX, they were adamant that I pay the charge.I will not let XXXX to continue to charge me for something I do not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
In a recent review of my credit reports, I found a " Collection '' account being reported to all three ( 3 ) credit reporting agencies in the name of Credit Control Service. I contacted the company and all three ( 3 ) credit reporting agencies seeking " Validation '' and to inform them that I do not owe this debt, I do not recognize this debt and that my Consumer Rights have been violated. 

I received no notification of investigation from the credit reporting agencies, only to show that this " Collection '' was disputed by consumer and meet the FCRA requirements. The company itself has yet to provide me with any information. Furthermore, pursuant to the FDCPA Regulation F, this company has violated my rights by not adhereing to the follow law : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. 

The credit reporting agencies has allowed this and along with the company are breaking the law. They are willfully placing a negative, unverifiable account on my credit report without any proof that this alleged debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
Basically I'm the co-signer on my daughter 's student loan with Sallie Mae, a private lender. We had no idea the mess we were getting ourselves into when we took out student loans approximately 7 years ago. This company is a predatory lender and something needs to be done to stop them from continuing to do business. 

My daughter originally borrowed {$62000.00} for college. We found out much later that the loan has a variable interest rate. Never new that was possible except for mortgages. Anyway she's paid on the loan for approximately four years and did utilize some of the forbearance that were available. 

Currently, her loan balance is {$80000.00} and the current interest being charged is XXXX - 15 %. We contacted Sallie May XX/XX/2022 ( on or about ) to ask about payment reduction. We underwent a financial review and the only option given to us was to pay interest only for 6 mos. So instead of a {$1200.00} a month payment, we could pay {$950.00} the interest. Since we didn't see this as helping the situation, we declined. 

So currently, her payment coming up for XX/XX/XXXX is {$1300.00}. I've personally made the payments to bring her account current for XXXX, XXXX, XXXX, XXXX and will make the XXXX payment but my savings is nearly depleted and these payments are not sustainable. We have both depleted our savings and will have no alternative but to default. I'm making this complaint to see if there is any recourse for us. We would like to keep the loan in good standing but would need a reasonable loan payment amount. This company is ruthless, unscrupulous and they market themselves as helping people!! They need to be stopped!!! If you have any information about a class action law suit, please send it to me. Any other guidance you can provide will be appreciated!! Please reply as soon as possible. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank Business and Personal Accounts Same fraudulent activity identified in our XXXX XXXX XXXX account complaint ( submitted XXXX ) that US Bank is refusing to acknowledge, cover or replace the funds as follows : USBank # XXXX XXXX {$3500.00} XXXX {$6400.00} XXXX {$560.00} XXXX {$9800.00} Total {$20000.00} We have letters from US Bank stating they will refund two sums XXXX {$8700.00} and {$8600.00}. We did in fact receive the {$8700.00} but when asking about the other reimbursement were told for six weeks the check was in the mail. As of XXXX we received a letter saying that were denying any future sums related to this matter. Fraudulent charges were done by former bookkeeper using the XXXX XXXX XXXX. We sent a certified letter to XXXX XXXX requesting reimbursement but no response received. There was additional fraudulent activity using a website called XXXX XXXX totalling approximately {$1000.00} which we believe the bookkeeper is also responsible. 

We want our money back as it is not corporate policy to pay bills with XXXX XXXX as it is not traceable. According to bank records, she " XXXX XXXX '' the money to herself as all the line item entries include her name. 

Copies available of bank transcripts. We also had to close our US Bank accounts at least twice so they will need to provide account # 's of closed accounts because they blocked access when closed.

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 2023-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
On XXXX  WestLake accepted cash of {$8000.00} on a credit transaction. According to the " Truth In Lending Act '' this is Illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have oppen accounts that are not mine and there's dep that are not mine never had a XXXX XXXX card and southwest company I'm unknown about

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/22 I paid my Old Navy CC via XXXX  XXXX XXXX bill pay for the balance due of {$52.00}. Since then every month I have been billed for that balance and late fees. I have disputed on my credit report, I have called Barclays, I have escalated it, sent in proof of payment 3 times to 3 different places as instructed. They still will not credit my account and clear my credit report. Hours each month on the phone, starting over every month. 
Old Navy changed banks and my payment was sent to XXXX, who apparently did not forward to Barclays. Barclays acknowledged that XXXX will not take their carholders calls, and there is no valid number to call them. Barclays stated my payment was returned to me. XXXX  XXXX XXXX has advised bill pay payment can not be returned.

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 2023-04-28 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: FL

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIOT REPORT.Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ; Inquiries XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2023-04-28 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: FL

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIOT REPORT.Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ; Inquiries XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NY

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. 

XXXXXX/XX/XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions.

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

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

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 2023-04-28 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was in the XXXX are of XXXX on XX/XX/2023. I got up at a private home, packed the rental car and drove to the airport. I made one stop to get gas, and that charge appears on my TD credit card statement and is legitimate. I then proceeded to the airport and did not use the card again in XXXX. When I got home and saw my transactions, I noticed that after the gas station charge there was another charge in the amount of {$310.00} US dollars for an alleged purchase at a restaurant called XXXX XXXX XXXX XXXX  XXXX. I have never heard of that business, have never been to that business, and did not use my credit card at that business on XX/XX/2023. I searched that business name on line and the only thing that comes up is a business in XXXX XXXX that says it is temporarily closed. ( I was not anywhere near XXXX XXXX on XX/XX/XXXX. I have never been to XXXX XXXX. ) I suspect that when I was at the gas station, an unscrupulous attendant ran the card twice, once for my gas and then for a fraudulent transaction. On XX/XX/2023 I faxed TD Bank a dispute based on fraud with TD Bank and while they issued a new card number to me, they denied my fraud dispute the next business day because I was in possession of the card. Yes, I was in possession of the card -- I didn't lose it and it wasn't stolen. But just because you are in possession of a card doesn't mean that fraud can not occur. I question whether TD Bank even investigated the matter based on how quickly the dispute was denied. For example, did they try to contact the merchant in XXXX to see if they were a legitimate business? I doubt it. I do not think a proper investigation was conducted and am therefore filing this complaint. Just because the card was in my possession does not mean that fraud did not occur! Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Fifth Third Bank - XXXX XXXX XXXX XXXX, XXXX, IN XXXX. 

I did not request or authorize a debit card. Someone hacked into 5/3rd 's computers and created a debit card and started using it. I found out, reported it, they canceled the card. At that point, I told the bank that withdrew my authorization ( something they automatically link ) for a debit card to be linked my checking, staff assured me that would be done. About a year later the same thing happened - another unissued, unauthorized, unasked for debit card had been " issued '' to a hacker and things were being charged to me. I informed the bank about this and they canceled the card. However, some of the charges were beyond the time frame for cancelling. I contacted management and was told it was my responsibility to monitor the account ( including the card I had not authorized ). They said they would look into weeks ago, and nothing has been done. 

Fifth Third 's system allowed this to happen - I never asked for a debit card from them at any time. 

The bank has all these records for your review. 

Thank you

Company response to consumer: Closed with monetary relief