vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently had my credit reports pulled by a lender and realized that only XXXX was reporting my data. After much research, it was determined that there is a problem with my social security number. It appears that at some point the last two digits of my social security number were compromised, and now both numbers are associated with my information. 

Please be advised that the last XXXX digits of my social security number are XXXX, but some reports have it as XXXX. This error is having a detrimental effect on my ability to obtain credit and needs to be corrected IMMEDIATELY.

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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My problem : Truist Bank has not yet reimbursed me my money that was stolen by fraudulent transaction at Truist Bank. 

This is what I was told by my banker, XXXX XXXX, at the Truist Bank in XXXX : On XX/XX/2021 somebody, who presented himself as XXXX XXXX, using a fake FL Driver 's License came to the Truist Bank Branch in XXXX, PA. He gave the bank a XXXX XXXX  check written in my name and endorsed in my name. In exchange, he received {$3500.00} in cash. It seems he knew my checking account number. Several days later, when Truist tried to get the funds from XXXX, they found that the XXXX account was closed. 

It seems that Truist Bank assumed that I had deposited the check and sent me a letter with a copy of the check. In addition, they charged me {$12.00} penalty. 
I got this letter late on Friday, XX/XX/2021. During the weekend when I checked Truist 's automatic phone there was nothing about the transaction. 

On Monday, XX/XX/2021, I went to my Truist Bank Branch in XXXX and met with XXXX XXXX. It became clear that this was a case of fraud. She immediately froze my old account and opened a new one. I filled out and signed all the relevant forms and the case was transferred to the Truist Fraud Department. 
I was told initially that I would get the money ( $ XXXX ) refunded within several days. It is now more than XXXX months later and I have not received anything. 

We talked by phone with the Truist 's Fraud Department, but they would not commit to any date when I could get my money back. 

This is a clear case of fraud. Truist Bank is at fault. 

I ask that Truist Bank should reimburse me the full sum as soon as possible. 
Thank you, 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 monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have tried for several days to contact the department Synchrony directed me to in order to cancel the " Card Security Program '' on my card, at two different numbers. Every time I call, I get a recording that due to circumstances beyond their control, my call can not be taken at this time. There is an automated cancellation system also, that does not work. I have tried to cancel through customer services and I am told no one can help me.

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 2022-02-08 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD BANK - Wasted 3 hours of my time on several different phone calls. Different people say different things - but the problem was never resolved It was a ride for me on a merry go round. 

On XXXX I disputed a charge of XXXX. In XXXX i got a letter dated XX/XX/XXXX from the dispute department saying it was resolved in my favor and a credit was applied to my account. NEVER HAPPENED. 

Called - and was told it would be taken care in 7 business days by XXXX in the dispute department and it took more than an hour- to get to them. NEVER HAPPENED. 

called XX/XX/XXXX XXXX said it was not to be found. - another half hour. 
XX/XX/XXXX, closed the account and was told the XXXX would be sent to me. 
called XX/XX/XXXX XXXX- in Credit cards to XXXX in dispute to XXXX the obnoxious toad in customer service. The merry go round went around but - no {$14.00} The ladies were very nice and polite. But XXXX is discouragement for people to use TD Bank. which will die to lack of customers and incompetence of staff. 

I used TD Bank from when it was XXXX Bank. This never would have happened then, decades ago. Now I would never trust TD Bank - if they XXXX up with small numbers they would probably do worse with large amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
KIA FINANCE Kia is reporting by email that my monthly lease payment is overdue when it was paid on XX/XX/XXXX for XX/XX/XXXX. I think that KIA Finance either was hacked or is purposely reporting the wrong amount. I tried to call them twice today and they hung up on me both times after trying to get me to pay. 

My KIA Finance online statement is showing that I have no payments due and that I have automatic payments set up with my bank. My bank is also showing that the payment was debited on XX/XX/XXXX. 

KIA has played with my credit report before causing my score to go down.

They dinged my credit twice last May causing my score to go down when I attempted to lease a car at the advertised price. The dealer tried to defraud me and I opened complaints with the Massachusetts AG and only then the dealer capitulated. Kia was trying to get me to pay on a car that I had surrendered ( Kia lease paid off ) and I had already taken possession of a new car. 

Now I am trying to get Kia to comply with a warranty on defective equipment in the car so they are trying to destroy my credit again in retribution.

Women should be cautious about dealing with Kia because Ive seen complaints online that they unfairly target women for this type of fraudulent underhanded dealings.

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 2022-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Michael Wayne Investment
State: VA

Complaint narrative:
Hello my mother passed away and I had a XXXX XXXX  and is in the hospital but they are transferring me to the behavioral health unit where I won't have a phone or anything to the outside world. I don't know how long I'm going to be in here I am asking for help with my car note for about two months give me until XXXX so I can get the help I need and go back to work my mother use to help me with my bills I'm in college so I was only working part time I don't have any income coming in at this time I call this company basically begging for help and the rude girl didn't even acknowledge that my mother was dead. I have never had any problems before and this is why I am writing company I spoke to XXXX and she said I needed to make a payment i advise her I can't pay I don't have money this company is very insensitive and not understanding at all this is one of the reasons I'm in the hospital stressing I'm stressing over my car

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There is an insane amount of errors on my credit report and you refuse to fix them or delete the account. pursuant to USC 1681 B you have an obligation to do right by thr consumer and you will not abide by the rules.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is an insane amount of errors on my credit report and you refuse to fix them or delete the account. pursuant to USC 1681 B you have an obligation to do right by thr consumer and you will not abide by the rules.

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 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have attempted to have this account corrected to no avail numerous times as it is outside of the XXXX and its reporting inaccurate information and now we have this issue??? you're in violation of USC 1681 B and you need to delete this account immediately as the dates and the amounts are incorrect, and unverifiable. Please send the account archive file. Do not try and respond in any manner outside of this CFPB portal. Any contact outside of this portal will be considered harassment. Also, during thie investigation, the account needs to cease reporting on my consumer disclosure until the INDEPEDENT investigation is done.

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 2022-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
My VA loan was purchased by BSI financial XXXX # XXXX. My loan was escrowed for insurance and county taxes. My property is made up of 2 parcels. I received letters from my insurance company that my policy had not been paid. I spent hours trying to contact someone from BSI. They claimed they had the wrong company listed on my loan and kept getting the funds returned. They made no attempt to contact me when their attempts to pay a policy at the wrong insurance agency were blocked. I am now receiving letters from the county about taxes not being paid on a parcel connected to my loan. I spoke by phone with a representative who stated they only show 1 parcel on my loan. I have made numerous attempt to contact them being prompted by phone messages to leave a message and they would return my call when available. I have made online email messages. I get an email that I have a secure message but the system they use gives continuous errors or fails to load. I would like to remove escrow but can make contact with a representative to have action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I refinanced my loan in XX/XX/XXXX. There is an overpayment on my property taxes. Previous lender on numerous occasions has confirmed they received the overpayment back and had processed the check for reimbursement. I have been following up for weeks on this and as recently as of Saturday XX/XX/XXXX and Monday XX/XX/XXXX i was told a refund check was being overnighted to me. As of today Wed XX/XX/XXXX XXXX ID XXXX is telling me there is no way for anyone to tell this information and this can take upto another 30 Days. I have been on the phone with LoanCare for 1 hour as i am writing this compliant. I asked multiple times to be transferred and was told no one is available. both the county and LoanCare have confirmed multiple times that Loan Care is in receipt of the overpayment of the property taxes. This process is going on 2 months now. I was told as of XX/XX/XXXX the check was being processed and would be overnighted to me to receive on Wednesday XXXX. Now the current team member is telling me there is no way they can promise that would be done. I want this taken care of and the only recourse i feel like i have is to file a compliant.

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 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello, I received the following fake receipt for a large expenditure. I took no action but the company, PayPal, may want to know these fake invoices are being sent to me on a regular basis. Thank you. 
Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital one in regards to my secure XXXX XXXX  # XXXX XXXX XXXX XXXX failure to except I know longer want to do business with them and PAID OFF CARD mysteriously they put on a charge leaving with a balance of four dollars and some change to conveniently stall my secured account refund and carryout the billing cycles to keep from refunding my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CATHAY BANK
State: FL

Complaint narrative:
XXXX bank transferred my money to Cathay Bank without my consent or acknowledgment. Since Saturday, XX/XX/2022, I have not had access to my funds. I have not had the ability to buy food or water of pay any of my bills on time. XXXX said they couldn't help and I had to contact Cathay Bank to resolve any issues. So XXXX just hands over my money to another bank I know nothing about along with my personal security information. Since Monday XX/XX/XXXX I have still not been able to gain access to my funds and Cathay Bank continues to put me on hold when I talk to them.. I have spent over 4 hours each day with Cathay Bank since then and they still have yet to give me access to my money. It is now considered stolen in my view. I hope you can investigate their malpractices and help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
This is from XXXX XXXX XXXX. I terminated service via their customer service by phone XX/XX/2021. I asked device disconnect before the next billing cycle. I had no idea they continued to bill me until now. I was within the deadline to discontine service because they provided the date. Because this was done awhile ago and by phone I did not write down the customer service person or dates. I do have concern about this done I did take steps to stop services or noticed my request was ignored and sent to a collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have this credit card opened XXXX months ago. I always send my payment XXXX weeks before payment due date. this billing XXXX to XXXX I saw this late fee charged and interest charged. 
I called up the bank several times that my payment is mailed XXXX weeks before due date the last XXXX months billing. they refused to reimburse it. 

my son and my wife bank with them too. I just found out this bank is the most hated company. 

my account has limit line deposit guarantee.

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 2022-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have an account with Mr. Cooper previously known as Nationstar. I questioned why they were charging me {$15.00} each month for XXXX. I contacted them on or around XX/XX/2021 and received notice that I was charged this amount because my property was now a rental home which I still own. I was under the understanding that It does not matter because once you have made a substantial amount of payments, you should not have to make any other payment. Is this legal? or are they getting extra payment from me? Please advise. 

My Loan Number is XXXX My balance this date : {$32000.00}

Company response to consumer: Closed with explanation