vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Concern # 1 : Alteration of previous purchase agreements ; change to promotional offer to include extra fees that did not exist when credit was lent which will be applied against purchases prior to change ; specifically : " We are adding a 2 % Promotional Fee to your account... This fee may be applied to any part of a purchase that was initially made before the effective date of this notice but that posts to your account after the effective date... The following Promotional Fee terms will be added to the How Fees Work provision of your existing agreement. '' " Promotional Fee. We will charge this fee, which may be referred to as a promo fee, for promotions 18 months or longer with no interest and required equal payments. The promotional fee will be calculated based on the total promotional transaction amount, including taxes, deliver and other applicable charges. The promotional fee will be included in your promotional purchase balance used to calculate your required equal monthly payments. '' This appears deceptive in practice to apply to purchases after the date of sale, which could not be considered when making the decision to utilize the credit offer. 

Concern # 2 : Charges for paper statements if chosen in lieu of electronic communications ; specifically : " We are adding a {$1.00} monthly Paper Statement Fee to your account. We will charge this fee as described below... The following Paper Statement Fee terms will be added to the How Fees Work provision of your existing agreement. '' " Paper Statement Fee. We will charge a {$1.00} monthly Paper Statement Fee to your account. We will charge this fee in any billing cycle in which your balance is greater than {$2.00} and you are sent a monthly billing statement in paper form, even if you also are provided it in electronic form. You can avoid the fee each billing cycle you are provided your monthly billing statement only in electronic form. '' This describes an unfair fee for individuals without access to electronic mail, or those who are unable to access, read, or operate electronic devices due to an illness, disability, or other impairment. This may also violate multiple state or federal laws that protect these types of consumers. No remedy is provided for these types of consumers to avoid the impact of these fees due to their inability to access or read documents in electronic form, without impacting their continued utilization to the account due to rejection of the changes.

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 2024-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX  I filed a complaint in reference to having a problem with my Mortgage payment of XX/XX/2024 not being posted to my Home Mortgage Account serviced by Selene Finance. Reference complaint : XXXX XXXX with CFPB. Selene Finance answered the complaint filed with CFPB at the above reference case number with an answer stating they posted the XX/XX/2024 payment on XX/XX/2024 and the complaint was closed as resolved. 

However, I received XXXX letters from Selene Finance dated XX/XX/2024 in reference to my loan as being in Loan Default for two delinquent payments. XX/XX/2024 and XX/XX/2024. Please be advised both XXXX and XXXX Payments have been received. 

The first letter stated I have been assigned to a single point of contact XXXX XXXX for my Loss Mitigation options to help me avoid the foreclosure process. 

The second letter I received on XX/XX/2024 dated XX/XX/2024 stated their records indicated that your loan is in default for XXXX payments which were due for XX/XX/2024 and XX/XX/2024 total late charges due XXXX total amount due is {$1100.00}. 

The XX/XX/2024 payment was received by Selene Finance on XX/XX/2024 and not posted until XX/XX/2024, however they did state in the response to the above case number that XX/XX/2024 payment was posted on XXXX/XXXX/XXXX. The XXXX XXXX was received on XX/XX/2024 for XX/XX/2024 and posted on XX/XX/2024. Both payments were made before the grace period ended not requiring a late charge. 

Why is my loan in Default when payments have been received and the next payment is not due until XX/XX/2024. 

Selene is creating a foreclosure resulting in additional fees. Due to their own error in not posting the XXXX payment when it was received in a timely manner causing fees to accure such as home inspections, etc. This starting to look like harassment its happening often resulting in the CFPD complaints. The mistakes the servicer is making is causing severe duress. I am looking forward to these matters being resolved and not occurring in the future. I look forward to some resolution before I lose my home due to their mistakes. I was told by customer service the migigation process was resolved. The complaint is being forwarded due to the Default letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When it comes to XXXX, they are giving me a very, very hard time regarding my credit report. They are not telling me how the inaccurate information on my credit the report is being verified. Who is the party verifying this? The late payments that is on my credit report from XXXX XXXX is still giving me a hard time regarding this matter. The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX for {$330.00} Account number XXXX  XXXX  XXXX  for {$37000.00} COLLEction Account Number 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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When it comes to XXXX, they are giving me a very, very hard time regarding my credit report. They are not telling me how the inaccurate information on my credit the report is being verified. Who is the party verifying this? The late payments that is on my credit report from XXXX XXXX is still giving me a hard time regarding this matter. The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX for {$330.00} Account number XXXX  XXXX  XXXX  for {$37000.00} COLLEction Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened a new checking account with Regions Bank. I used the link to Regions Bank, copied and pasted the coupon code to get {$300.00} bonus. After successfully completing the requirement, the bank refused to pay by saying they didn't see the coupon code applied to my application. I email them the screen shots that I took. They still refused with the same reason.

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 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Wrong amount of money was being taken from my checking account from XXXX, XXXX XXXX, XXXX XXXX, etc. I also had a money market account and the interests was illegally incorrect. I request all records. 18 US Code Section 1341 Frauds and Swindles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: SC

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX are reporting my transaction & experience with them. Reporting my transaction & experiences is in violation Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2024-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA

Complaint narrative:
I received a notification that there was a derogatory account added to my credit report as I get frequent updates due to the fraud alert placed on my report. When disputed, I requested proof of ownership as I did not receive any information pertaining to this debt prior to it being placed on my credit report. I disputed it these times and have yet to receive the information I have asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I dont know why my credit history was not too long ago seven years and now its four years so when down when I have some cards which almost 20 years, can you explain me this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My direct deposit from Social Security Administration and XXXX was connected to this account and the account was closed illegally without my permission. 18 US Code Section 1341 Fraud and Swindles.

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 2024-04-14 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID TYPE : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warnings Systems consumer report. I have NEVER opened or used the following account numbers : 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 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 I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I attempted to use my American Express Prepaid Gift Card ( ending XXXX ) to buy a XXXX  Gift Card on XXXX on XX/XX/year>. The purchase was declined XXXX times. 

The transaction was for {$450.00}, and the AMEX Gift Card balance is {$500.00}. I confirmed the gift card balance at americanexpress.com/mygiftcard.

I have had trouble with AMEX Gift Cards in the past and after reading similar stories decided to come to the CFPB to hopefully resolve this issue once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was charged overdraft fees in my account. I have been familiar with the policy and able to avoid the fees most of the time. However this week my account was put in the negative. I was able to keep it above the {$50.00} threshold to avoid the fees. Yesterday my account dipped below the threshold and I was able to recover it before the XXXX deadline. Yet this morning I woke up to three overdraft fees. Chase says I have used all my returns for the fees, so now I am negative {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On approx. XX/XX/XXXX an order was placed with a XXXX. On XX/XX/XXXX merchant informs me that I need to purchase additional items for what is advertised as a complete set. I initially told them yes when they asked me on the phone, out of confusion and less than XXXX hours later I told them that seems like false advertising, please cancel the order. 

The item is advertised as a full and complete set, and so because its falsely advertised in pictures and description I thought that seemed very odd and wanted to take my business elsewhere. The company charged me twice. {$3100.00} and {$540.00} totalling {$3600.00}. 

XXXX then replies we can only refund this amount : {$1000.00} This is because they're predatory return policy states : you are responsible for an estimated XXXX  XXXX return shipping fee + 15 % restocking fee. Resulting in a 71 % restocking fee! 

I disputed this charge with Chase bank, I provided all evidence and correspondence of trying to work it out with the merchant. Chase bank decided that this was ok, and charged me the total of {$3600.00} claiming the charge was valid. 

Chase did not provide at least the remaining return which according to that predatory restock policy of 71 % fee, should have been at least {$1000.00} and an additional {$540.00} that XXXX said they would refund that is also documented via email to me. 

The XXXX fees and policy are predatory to consumers and there is an outstanding amount of complaints to the BBB including reviews of the company. I only had wished I read them before hand. This is common practice by this company and they are hurting consumers who have no protection from their credit card companies. I had expected Chase Bank to resolve this dispute in favor to me the consumer based on the evidence provided, and the sheer ridiculousness and unfairness of that restock fee. 

Thank you for taking the time to read this. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
The mortgage company that services my loan did not pay the renewal premium on my home owner insurance policy in XXXX of XXXX and all the way to XX/XX/XXXX. In XXXX I was able to call them and get them to pay the premium and have insurance, or so I thought. Traditionally this is part of the service of a mortgage co., and why they collect money into my escrow account. Yet they fail to pay the annual renewal premium in a timely fashion or at all as is the case in XXXX. It would seem after they paid the renewal to insurance company in XX/XX/XXXX, they sent to wrong address. 
The payment for my homeowners insurance was returned to the mortgage company. They re-deposited it into my escrow account with no notification of having no home insurance until XXXX. They let me go without any home insurance coverage for an entire year, unbeknownst to me! 
I called and asked for an investigation in XXXX, spoke to XXXX XXXX. He never got back to me with anything. In XXXX I called speaking to multiple reps. including XXXX XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX XXXX told me I would be refunded {$1500.00} back into my escrow for them charging me {$1900.00} to buy insurance from their own company for the year that passed that I went uninsured because they failed to send renewal premium in a timely fashion to the correct address! 
I had to find my own new coverage for XXXX at an increase of more than XXXX as much. As a result they increased my mortgage over {$400.00} because my escrow was emptied. Some man called me 2 weeks after XXXX said I would receive a credit and he stated the research is complete and they would not take responsibility for the error and would not be crediting my account for anything. Now this is wrong. I need help, I want my mortgage to go back to what it was before they set me up and robbed me! 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 2024-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Driveway Finance Corporation
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI [ XXXX ] XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COERCION AND DECEIT NOTICE OF INTENT AND PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES FOR VIOLATIONS OF THE FAIR DEBT COLLECTIONS PRACTICES ACT OR FAIR CREDIT REPORTING ACT ] Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. Encl : 1. Copy of Social Security Card 2. Drivers License

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XX/XX/2024 capital one closed my account saying I violated the customer agreement which the violation wasnt in the agreement and now they want to have me pay the balance and ruined My credit report and credit score

Company response to consumer: Closed with explanation