vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a chase account Monday XX/XX/21, I received my card XX/XX/21. I tried making a deposit in the chase atm on XX/XX/21 in the amount of {$2800.00}. The atm took my money, did not confirm the transaction and then returned a receipt with a telephone number to confirm my deposit went through. My account does not reflect the transaction, nor am I capable of talking to a representative due to its Sunday. This service is beyond terrible and unfair to the costumer who is in need of access to the money. It was cash, so there would be no need for clearance as it would for a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to file a complaint against BB & T ( Truist ) This is not the first time I have had trouble with this bank. The first time I tried to pay a credit card account XXXX XXXX XXXXXXXX ) via electronic transfer and was give payment con- formation and assumed all was well ; so I was surprised when I saw a late charge on my statement and that was when I learned BB & T had cancelled payment saying it was a fraudulent transaction costing me an extra {$27.00} and a ding on my credit bureau, I have yet to receive a refund from the bank. 

Then in XXXX. I received funds from what I thought from a company I had been hired by in late XXXX a branch of XXXX XXXX XXXX, XXXX a XXXX plus year old engineering company. I had no reason to suspect from this firm, and I have every conversation recorded on Telegram with their XXXX manger XXXX XXXX as well as my employment contract. 

So once again, I was blindsided by the bank when in XXXX they abruptly froze my account saying I was accepting fraudulent funds. I had done business with this bank for 10 years with no problems, and because I was under the impression I hired by XXXX  and I was receiving funds for items I needed for work so I did not question where the funds came from. 

As a result, I have racked up late charges With XXXX XXXX and reports of late payments on my credit bureau, and as result of this XXXXXXXX XXXX has lowered my credit limit twice and reported such to credit bureau further destroying my credit rating. I had no other source of funds to pay my creditors. 

As I told customer service and the branch manager, a simple phone call to me ( which I feel I was due as a simple courtesy after 10 years ) and I would have nipped in the bud, and even after I contacted the bank customer service they refused to reverse their decision saying the manger of this department does not like to be overruled ; well as a customer I don't like being treated the way I have been and watch my credit being destroyed through no-fault of my own. 

I am requesting this bank be heavily fined, me be reimbursed for lost funds and destroyed credit, and the bank be made to help repair my credit bureau, my XXXX XXXX account and my XXXXXXXX XXXX account. The manager of XXXX operations for XXXX has stayed XXXXnTouch still saying their account was hacked. 

I will be glad to provide you any of the Telegram conversations and a copy of my employment contract. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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:
I received a copy of my credit report and noticed fraudulent accounts. this issue is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
my morgage company did not pay my taxes from 2020, and it now has accured penalty and interest there is money in my escrow account to pay the taxes and they did not pay my morgage is with flagstar bank the amount owed originally was XXXX now it is XXXX i dont feel i should be responsable for the penalty and interest

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 2021-04-25 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
XX/XX/2020 I completed a CFPB report against TD for inaccurate information and reporting on my credit report. The issues still arises. Here is a list of the complaints CFPB Complaint # XXXX ( the " First Complaint '' ) CFPB Complaint # XXXX ( the " Second Complaint '' ) CFPB Complaint # XXXX ( the " Third Complaint '' ) The issues is the incorrect reporting on my credit and violating many FCRA laws. FCRA states, " FCRA violation is when a creditor posts late payments or charge offs after the debt has charged off a past due balance. According to the document from TD the debt was taken care of XX/XX/2020. The upldated credit report from XX/XX/2020 displays TD has reported charge offs for the month of XXXX, XXXX, XXXX, and XXXX of 2020. Which is a direct violation since the charge off was paid XX/XX/2020. The attached credit report and dispute results from experian will display such. Acording to FCRA, the information must be deleted due to its blatent inaccuracy and violation of FCRA 623 ( a ). Legal and monetary rememdies can be obtained under FCRA. The incorrect information has affected me in the home buying process and getting other loans for my business. I have attached my current credit report, dispute details that denied my dispute, and FCRA full law handbook for TD 's reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report and noticed fraudulent accounts. this issue is stopping me from obtaining credit.

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 2021-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I received a letter dated XX/XX/2021 identifying my mortgage was being transferred from Mr. Cooper to XXXX XXXX  as of XX/XX/2021. The letter states the date my present servicer which is Mr. Cooper will stop accepting payments is XX/XX/2021. I made a payment through the Mr. Cooper app on XX/XX/2021. On XX/XX/2021, I received confirmation the payment of {$3500.00} was posted to my account. In speaking with my Bank on XX/XX/2021 my Mortgage Servicer Mr. Cooper reversed my payment back to my bank. The details on my Bank account show this payment was reversed. This is unacceptable and violates Mortgage Servicing regulations & UDAAP. The funds for this payment are good and should not have been reversed by the servicer. Mr. Cooper 's practices are abusive to me as a consumer and also violates servicing regulations. I will gladly have my Bank provide any proof demonstrating the lender reversed my payment. This should be resolved immediately and my payment should be credited as the regulations requires as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: OH

Complaint narrative:
XX/XX/2020 I completed a CFPB report against XXXX for inaccurate information and reporting on my credit report. The issues still arises. Here is a list of the complaints CFPB Complaint # XXXX ( the " First Complaint '' ) CFPB Complaint # XXXX ( the " Second Complaint '' ) CFPB Complaint # XXXX ( the " Third Complaint '' ) The issues is the incorrect reporting on my credit and violating many FCRA laws. FCRA states, " FCRA violation is when a creditor posts late payments or charge offs after the debt has charged off a past due balance. According to the document from XXXX the debt was taken care of XX/XX/2020. The upldated credit report from XX/XX/2020 displays XXXX has reported charge offs for the month of XXXX, XXXX, XXXX, and XXXX of 2020. Which is a direct violation since the charge off was paid XX/XX/2020. The attached credit report and dispute results from experian will display such. Acording to FCRA, the information must be deleted due to its blatent inaccuracy and violation of FCRA 623 ( a ). Legal and monetary rememdies can be obtained under FCRA. The incorrect information has affected me in the home buying process and getting other loans for my business. I have attached my current credit report, dispute details that denied my dispute, and FCRA full law handbook for XXXX 's reference.

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 2021-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
XXXX ( XXXX ) is charging me for a bill I do not owe. I had a balance of {$0.00} when I closed my XXXX  account and moved to a new location. I did not renew service.I am being charged {$470.00} for services at new address but I have no accout with XXXX XXXX in my name. I moved and ended my service with XXXX in XXXX, XXXX. 
This is the 4th collection agency XXXX has used against me. Non could confirm that I owed XXXX or the collection agencies. 
You have a complaint ID ( XXXX ) of a complaint against the othe collection agency, which was submitted on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Netspend Corporation
State: CA

Complaint narrative:
Net spend bank PayPal prepaid closed my account s for I dont know what reason and I had a large amount of money I. My account ya and it has been go one to me via check upon the closure of my account however now when Im trying trash the check they do not authorize its anywhere and this is my money I have the right to it regardless the amount

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 2021-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd

Complaint narrative:
At XXXX XXXX, 2021, XXXX GMT+2, the company known as " XXXX '' ( XXXX ), previously " TransferWise '' closed my account, which contained thousands of dollars, without previous warning or explanations, and they are now holding my money ( That I need to live ) for at least 60 days! 

I did NOT break any rules or did anything illegal with the money. It is all honest money that I earn as an XXXX XXXX XXXX XXXX. 
On the same day, I appealed to them for explanations via Email, without success. They told me they can not give me any details. 

On the next day, I appealed for the balance, and gave them full details for them to refund me my money to my XXXX XXXX  account. They told me this will take at least 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: NC

Complaint narrative:
I keep getting emails from Klarna finance company stating that I owe a monthly payment of {$100.00} that is past due. I have called them several times, sent several emails stating that I do not owe them any payments. The merchandise were returned. They keep sending me these emails. I want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Scott & Associates sent me a letter dated XX/XX/2021 stating they were a debt collector for XXXX. I sent them a cease and desist letter XX/XX/2021 certified mail XXXX XXXX XXXX XXXX XXXX which was delivered to them on XX/XX/2021. I received an inappropriate response from them dated XX/XX/2021 stating that they were verifying this account at my request. On XX/XX/2021 I received a Debt Citation that they filed on XX/XX/2021 in the JP Court of XXXX XXXX TX. They are in violation of the Fair Debt Collection Practices Act 805 ( ceasing communication ). They never advised me that they would cease collections, that that might take remedies or that they were taking remedies. I am sending them a letter advising that if they don't dismiss the suit, I will counter sue them for their violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: Professional Recovery Management
State: TN

Complaint narrative:
I have attempted to resolve the debt with Fox Collections, I am disputing the debt because my XXXX XXXX should have covered the amount owed, the original creditor never filed this insurance claim to receive their payment I am also filing complaint as to why Fox Collections would note my credit report as Medical Collections, I believe this is a HIPPA Violation and notating Medical can cause another creditor not to accept my application or discriminated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX sent me a letter dated XX/XX/2021 stating they were a debt collector for XXXX. I sent them a cease and desist letter XX/XX/2021 certified mail XXXX XXXX XXXX XXXX XXXX which was delivered to them on XX/XX/2021. I received an inappropriate response from them dated XX/XX/2021 stating that they were verifying this account at my request. On XX/XX/2021 I received a Debt Citation that they filed on XX/XX/2021 in the JP Court of XXXX XXXX TX. They are in violation of the Fair Debt Collection Practices Act 805 ( ceasing communication ). They never advised me that they would cease collections, that that might take remedies or that they were taking remedies. I am sending them a letter advising that if they don't dismiss the suit, I will counter sue them for their violation of the Fair Debt Collection Practices Act.

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 2021-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I've been a customer of Macy 's since 1982. Disgracefully, they have my credit limit at {$1300.00}. I wanted to make a furniture purchase that totaled {$1400.00}. My credit score is XXXX, my household income is $ XXXX combined, I lifted the credit freezes I keep on my account for safety reasons and they refused to increase my account despite a long and exemplary credit record with them. I believe this is due to my age and ethnicity - I'm XXXX  and do not fit the demographic they target in their advertising.

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 2021-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX or XXXX, I discovered I could no longer download transactions from my accounts at Citibank or log into the online system. Upon contacting them, they claimed that they had detected malware 3 weeks earlier, and the automatic system had locked me out of online access. I was never contacted ; while they had an old physical mailing address and phone number, they also had a current and active cell phone which was never used ( This is problem 1 ). They said they needed to send a new ATM card, which they overnighted to me. When I received it on XX/XX/XXXX, I activated it online ; that afternoon around XXXX I went to withdraw cash. At that point, I found that access to my main savings account had been locked. I called them, and was told that the department with the power to unlock that ( the malware department ) only was available XXXX M-F and I would need to call back the next morning ( Problem number two ). The next morning, I called and got the account unlocked, and began the process of recreating my online access. I was unable to create an account for online banking ; the customer service rep said that this was " an ongoing issue with creating accounts '' which had been around for over 2 weeks, with no updated information, workaround, or estimated time of recovery ( Problem number 3 ). I ultimately was able to recreate my account access by creating a new account for a credit card I have with Citibank and linking the bank accounts. This resolved access for a short while ; yesterday ( XX/XX/XXXX ) I went to withdraw cache to find that my savings account was AGAIN locked ; the representatives at the branch had no power to correct this, and I again need to contact the malware department ( problem 2 again ), although my online access is still active. As of the current time, I am still locked out of my main savings account.

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 2021-04-25 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: DISCOVER BANK
State: GA

Complaint narrative:
SUPPRESS OR FLIP TO SOFT INQUIRY IN XXXX  ACCOUNT. 

UNFAIRLY TRIGGERED INQUIRY RAN DISCOVER REPRESENTATIVE ON XX/XX/2021 IT IS IMPACTINGMY CREDIT REQUIRED AND RESPECTFULLY REQUESTED LETTERS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NV

Complaint narrative:
Unpaid Property Taxes This is a continuation of Problems with Fay Servicing LLC Reference 2 other filed complaints 1. Breach of Contract CFPB complaint number XXXX 2. XXXX  Flood Insurance CFPB complaint number XXXX Fay Servicing LLC either bought my loan or took over servicing it. Beginning in XX/XX/XXXX. There are 3 parcels included in this loan and has been in effect since XXXX. I will, Identify each with the last 2 digits of the parcel number. 
I have received several delinquent notices from XXXX XXXX Treasurer office, stating that if the past due Taxes are not paid my property will be deeded to XXXX XXXX and sold at tax auction. 3 of the unpaid notices included as attachments. More available The problems started in XX/XX/XXXX with parcel number 17. The problem includes all 3 parcels. 
I have included an Email from the XXXX XXXX Treasurers Office which shows all activity on all 3 parcels broke down by year and quarter. For the tax years of XXXX and XXXX. E-mail 3 pages included as attachment. 
I met with the deputy Treasurer and ask her to print out a parcel information report for each year, for each parcel. 6 parcel reports included as attachments. 
I contacted Fay each time I received a notice to try to have them correct the problem. There was more than enough Escrow Funds to cover these payments. I was under the impression that they collected Escrow Account funds for this purpose. 
I paid the past due taxes in full for the XXXX tax year XX/XX/XXXX and notified Fay to cancel my Escrow Account as they were incapable of handling what was required of them. Fays reply was that I could not do that. 2 Receipts included as attachments. 
Then in XXXX XXXX XXXX contacted me again and informed me there was {$290.00} in penalties and interest still owed. I paid these in full XX/XX/XXXX. Receipt included as attachments. 
The {$290.00} for penalties and interest needs to be refunded to me in full. The problem lies with the negligence and incompetence of Fay Servicing LLC.

Company response to consumer: Closed with explanation