vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My XXXX card ( managed by XXXX XXXX ) was sold to Marcus / Goldman Sachs some time last year. 
Transition of accounts began, approximately XXXX Since that time I have been unable to make purchases with the card. 
I have done the required account setup with Marcus.com/gm I have been on hold for more than 2 hours several days in row with their customer 'service ' line. ( so long each time that my phone battery died ) I have reported these issues to Marcus via direct message / XXXX- with the only response being an automated response. I observe other customers who have complained on XXXX receive nearly identical responses. 
Their website indicates chat is available - not so. 
There is no link provided to initiate cancellation of the card. 
There is no email address available. 
Marcus is holding we card holders hostage and responsible for any charge that may appear on our credit lines with no recourse to address the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Made a payment XX/XX/2021 and paid in full to a rep who did not stop card so the interest fee made my late fees occur. Months later they fixed the issue but it had already affected my credit report and they will not fix that. They did fix the card fee portion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint against Bank of America for discrimination in bank practices and violating the Fair Access to Financial Services Act. 

I have requested in writing from Bank of America the standard it uses to refund some XXXX transfer but not all XXXX transfers to its customers. Bank of America has refused to provide in writing the standard it uses to determine refunds of fraudulent transfers and why it has declined my fraudulent XXXX transfer but has refunded others.. 

While Bank of America has declined to return my fraudulent XXXX transfer from my credit card account while stating it was because it does not refund them as I okayed the transfer, please find below just two of many examples where Bank of America clearly returned fraudulent funds under the same circumstance as mine. Banking regulations are to not discriminate against customers. 

Story clearly detailingcustomer named XXXX XXXX of XXXX XXXX receiving {$3500.00} back from a fraudulent XXXX transfer. Please explain in writing how this transaction differs from mine and why this customer received a refund. She is the one who okayed the transfer, but like my case. Banking regulations are to be applied equally to all customers. If banking regulations are not to applied equally to all customers, please explain the standard for the discrimination. 

https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, someone % XXXX % XXXX % XXXX % XXXX. 

New article from XXXX XXXX XXXXXXXX about XXXX XXXX 's case. After the XXXX XXXX XXXX contacted Bank of America for an interview, they returned his XXXX fund transfers.Again, another example of a XXXX transfer okay and sent by the customer to a fraudster but returned by Bank of America. 

https : XXXX Bank of American must have a standard in which it is using or it would not return ANY XXXX fund transfers, as it has obviously returned other customer 's fraudulent transfers and not mine. I would like Bank of America to provide in writing the standard it uses to refund some but not all XXXX transfers. It can not blanketly state it does not return XXXX funds as these two articles clearly show that they do return funds. Unless they have a standard, then it discrimination to return some customer 's funds based on something about that customer and not to return funds to a different customer based on something about that customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This report will name Venmo as fault for lack of consumer protection. My other report is # Complaint Number XXXX. On XX/XX/2022, I was deceived by an imposter for XXXX XXXX, a hiring manager for XXXX XXXX XXXX, conducted an interview and hired me with a signed contract for a position in procurement. He told me to make payments for his vendors to deliver electronics for the new position working remotely. Someone posing as an employer spent the last 7 days online with me, conducted a 2 hour job interview, made a job offer, and hired me. He then requested I submit money to a vendor to buy a work computer and printer for my usage working from home. He hired me to work for XXXX XXXX as a procurement specialist, along with a written job offer and job description given. Through XXXX mobile banking, I submitted a check he emailed, under the guise of buying these electronics. He instructed I pay out XXXX payment on Venmo. He contacts me through XXXX XXXX, and is waiting for me to cash the next deposited check. The scammer is posing as XXXX XXXX, a hiring manager and investor communicating with me for the last 5 days. Job offer arrived by email from XXXX XXXX of XXXX XXXX. I have saved the email communication, Wire app communication, and screen shots of the bank transactions on my computer. I only chatted and emailed with " XXXX '' but no voice or zoom meetings, and never spoke to anyone. On XX/XX/XXXX, he asked me to make a Venmo payment, but I never saw it go through. I did not receive an email that it went through. The screen just went to the main screen instead of alerting " your payment has been made ''. Inside the account, it never said it was paid in the list of recent transactions. Nor was I alerted to this problem. All of this was cause for concern, so I did a stop-payment for Venmo payment at my bank. However, Venmo paid it anyway for {$1000.00} without my consent. Venmo is still seeking this payment though I stopped it. The sensitive information the scammer obtained was my Social Security number, home address, last 4 digits of my banking account, and my signature. 
I think I should not have to pay because of the faulty transactions from Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Over the last few months, I noticed the amount due on the company website is different from the XXXX generated statement, this would be like what a person would receive in the mail. I started taking screenshots just in case there was an issue. In XXXX, I neglected to take a screen shot, which was unfortunate for me, because then interest was charged, even though I paid the full amount as shown on the website. In XXXX, I did take a screen shot and it shows {$4600.00} is due and was paid in full. My XXXX statement showed {$4700.00} and now I am being billed interest. Even at these large amounts, I can afford to pay my credit card in full each month. So, obviously, if I can afford to pay {$4600.00} I can afford to pay {$4700.00}. There is something seriously wrong. I have been a Citibank customer since 2015. I can tell you over the last six months, something is different there. They revamped the payment screen and ever since then, the problems have begum. It is so subtle. That is what concerns me. How many people do not pay close attention, and are getting charged a little bit of interest here and there?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Siggi LLC
State: KY

Complaint narrative:
Loan : {$4700.00} Loan Date : XX/XX/XXXX Rate of Charge : 29.516 % Filing and/or discharge fees : {$0.00} Interest Charges are Current through : XX/XX/XXXX I got a loan through Omni Financial on XX/XX/XXXX, and recently became aware that they violated the military lending act ( MLA ), that required military members pay by allotment. Which is illegal under the MLA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
To Whom It May Concern My wife and I moved recently in the XXXX from XXXX. We both opened TD accounts in Florida using our XXXX information. Both of us were long time clients with TD Canada Trust, and had been very happy with their services in the past. This was also desirable because we were both awarded credit using our Social Insurance Numbers ( XXXX ) instead of Social Security Numbers ( XXXX ). 
A few months later, I tried to log onto my Online Banking with TD and was denied access. I called multiple times and finally discovered that they had closed my account. They did so without notice, or reason. I had nearly XXXX in this account. We were on the phone with TD branch managers and TD customer service multiple times trying to resolve this issue. They refused to listen, and said I had no choice but to close the account and wait for the funds to be delivered in a form of a check.

I never received any notice that my account was closed or why they closed it, and still havent. After three months my funds were still no where to be found. I received no check. My account and credit cards were blocked and I had no way to pay my credit card. They had nearly {$30000.00} of mine and made no effort to return that money to me. I went on to file a complaint and shortly after the remitted and re-opened the account. While this is a move in the right direction, it is also admittance that they made an unfair and unjust call my closing my account. This also is clear proof that in nearly 3 months they made no effort to return my money to me. During these months I was unable to pay my credit card, which now has late charges and penalties, and I was also forced to use other credit for my day-to-day life, which has a penalty of interest. 
If TD had loaned me {$30000.00} for three months and I had made no payments, they would have added monetary fines to my account and they also would have charged me interest. Just reopening my account is NOT a fair solution and I demand that I be compensated for the unjust treatment of this bank. I am asking for Interest and penalties on my {$30000.00} of {$3000.00} as well as the interest and fees that have accrued on my TD visa since they closed the account in XXXX. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
Started refi process on XX/XX/2022 with Amerisave. Submitted documents required electronically. Paid {$420.00} Appraisal fee. 
Didn't hear from them on XX/XX/2022, this actually allowed me time to think they seemed shady. I currently have a fixed rate XXXX percent mortgage, and this one with Amerisave would be adjustable. 
I initially entered online I desired about $ XXXX cash out XXXX, and was offered $ XXXX by Amerisave. 
Not getting a warm and fuzzy, on the morning of XX/XX/2022, i emailed and requested cancellation of the entire process and a refund of my {$420.00}. They assured me a refund was forthcoming. I am not getting a reply from them now. 
No appraisal was performed pr scheduled from XX/XX/2022 to the time I requested to cancel my application on XX/XX/2022. 
I want a refund of the XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I had ordered a product for my XXXX seller store XXXX XXXX ... the company never got back to me about my order. I called several times. I called XXXX on XX/XX/XXXX to dispute and was told they would contact the company. As of today when I called XXXX nothing has been resolved.They could not get in contact with the vendor either she said. I asked the lady to remove the charge she refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I received a certified letter at my home address from my employer that my paycheck would be garnished starting XX/XX/XXXX from a credit card that I opened up in XXXX of XXXX, for a dental credir from XXXX XXXX in the amount of {$1600.00}, for our .inor child. My ex is responsible for 87 % percent of this debt which is court ordered. I paid my percentage and more on this debt. There has been no payment on this since XX/XX/XXXX as I just now learned of. This has been sold to Midland Funding. I had no knowledge of any of this nor was I ever served any papers. I went to XXXX XXXX Ky Court House on XX/XX/XXXX to ask questions and review my file. Upon doing so I got a copy of a paper that was never served to me even though it was dated and acknowledged that I had been in XX/XX/XXXX. This is impossible as I didn't live at this address nor anyone that I know. I have lease papers to validate this. So after 2 years of no knowledge of this nonsense my check is being garnished. Statue of limitations has passed as well. This is not legally right whatsoever. I have seeker counsel on this as well and will be obtaining one next week. Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 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: TN

Complaint narrative:
I recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/2022, I received an alert from my credit bureaus about someone opening up an account with my social security number. I want a report of all accounts opened in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I received a document from XXXX XXXX XXXX XXXX. They requested that I send information about whether or not I owe the debt. I submitted documents by mail on XX/XX/XXXX to request information about the debt. The deadline was XX/XX/XXXX, which was a Sunday I have not received any written information about the debt. Further, it states that Navient can not collect on the debt but they are trying to collect on the debt. This is concerning that this company is reaching out without having authority to collect anything. Further, it is not clear that the debt is even mine. I don't know if this belongs to me. The company 's name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I am currently going through the PSLF process. I have received numerous letters stating that if I consolidate, Ill lose all my qualifying payments ; that my case is closed- despite having no previous payments prior to XXXX counted ( I have payments since XXXX ) ; paperwork that is causing so much frustration, confusion and stress. 

The letters they send are completely inaccurate according to the XXXX website. 

Fedloan needs to stop sending false information to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
In XXXX of XXXX our mortgage went into forbearance for covid 19. 

In XXXX of XXXX I called and asked to make arrangements since we couldnt pay the forbearance amount in total. We were approved for a mortgage adjustment. Payments were to begin XX/XX/XXXX. We were sent a packet with information to be notarized. We were told the mortgage company was providing the notary. 

The notary kept making appointments and cancelling or not showing. 

We called and were told we were going to receive a different adjustment with payments starting XX/XX/XXXX. I called in XXXX because we had not received the paperwork. I was told we would be fine and to make a payment. We made a payment. 

The paperwork did not come. In XXXX I called about making a payment. I was told making a payment could interfere with the adjustment of the paperwork was not complete. I was told we could make the payments retroactive to XXXX with the paperwork. We never received the paperwork. 

I called in XXXX and was told that the paperwork was not generated. That a new plan was made. That the payments could not be retroactive. 

We are trying to sell our home and move to a different situation. We will need financing. In order to get financing we need three on time payments. The mortgage company is interfering with this. We have received complicated and contradictory information. We need help,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to 15 USC 1681 b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, have given no written instructions. XXXX, XXXX, Trans Union allow inaccuracies to be furnished on my consumer report. These inaccuracies make me lose confidence in the banking system. This is not fair to my credit; according to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: GA

Complaint narrative:
According to 15 USC 1681 b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, have given no written instructions. XXXX, Equifax, XXXX XXXX allow inaccuracies to be furnished on my consumer report. These inaccuracies make me lose confidence in the banking system. This is not fair to my credit; according to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate consumer reports.

Company response to consumer: Closed with explanation