vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX opened account online because I have been banking with them since XXXX ( their words and printed in the debit card sent to me ). Deposited check electronically got confirmation and dates that funds would be available because it was a holiday weekend. Signed into online checking ( got the app and everything ) signed up for mobile alerts then no more access to online banking. In total over 5 hours already with them, have to call wait on hold then told to go to a bank to verify id? They never said this before why did i verify my email why did they let me have info about the account if id was not verified. They let me know all the details. Expressed my disapproval then 10 mins after getting off the phone i receive another email to the check amount deposited into what turns out a account they already closed then they extended the time for check to clear 13 or 14 days after email that said partial access to payment next day. Then when I do go to the bank { on my lunch break, 12 hour shift } the account is closed but they still deposited check and unfortunately they do not have anymore slots available today. Now I have to deal with the consequences of that I have limited funds I am poor on food stamps in school but barley making it right now. The email States that if I had written checks on the account or check return fees i am covered? What about my rent what about my expenses? XXXX would of cashed the check online ( its a check from chase with the whole page attached ) yet I have to wait and wish and hope no this is false advertising miss leading emails and poor conduct by a corp that should be ashamed of themselves because of their business practice. I am not going to cease till they learn their lesson so others do not fall prey to this disrespectful and criminal ( in my opinion ) of a corporation.

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 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
LoanCare XXXX XXXX XXXX ( XXXX  ) I have maintained insurance on my property and paid for the policy separately from my mortgage and escrow account. I have sent this information to LoanCare. LoanCare accepted my policy in XXXX. Then in XXXX they rejected this policy and on XX/XX/XXXX they charged me {$2400.00} for a XXXX XXXX XXXX XXXX XXXX XXXX  ). I protested this and on XX/XX/XXXX they accepted my policy and credited me for the {$2400.00} they had charged me back in XXXX. Then without any explanation on XX/XX/XXXX they once again charged me {$2400.00}. Then on XX/XX/XXXX LoanCare charged me {$2400.00} for the next years insurance. I continued to maintain and pay for my own policy. I continued to protest the placement of XXXX but without results. On XX/XX/XXXX LoanCare charged me for an additional year of XXXX at a cost of {$2400.00}. I once again I protested and provided the policy that I purchased separately and LoanCare once again rejected my policy. 
The policy that LoanCare purchased placed the value of the house at {$220000.00}. The XXXX XXXX XXXX values the building at {$3000.00}. I protested the improper valuation of the building for insurance purposes and talked with insurance experts who stated that even thought the insurance policy was purchased with a valuation of {$220000.00} if a claim was made the insurance company would not pay a claim for anything more than the actual value of the house or {$3000.00}. Essentially the purchasing of the XXXX for a {$220000.00} valuation was simply a fraud that increased the XXXX XXXX XXXX. I discussed this with the Insurance company, and they told me that they were not allowed to discuss this with me. I needed to discuss it with LoanCare because LoanCare was the insurance agent that placed the policy. LoanCare refused to discuss this with me. 
On XX/XX/XXXX LoanCare almost doubled my escrow payment from {$490.00} to {$930.00} to cover the cost of the XXXX. At this point I had been protesting the XXXX with no results from LoanCare for over 18 months and I was not getting anyone at LoanCare to respond to my complaints. So at that time I wrote to LoanCare to explain that I would not put insurance money into their escrow account. I made every effort to resolve this with them and they refused to communicate with me. On XX/XX/XXXX I reduced my payments to LoanCare to exclude the XXXX cost they charged 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 explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Re : Claim XXXX for account ending in XXXX I made a purchase online using my bank debit card, I never received the purchase and when I reached out to the merchant, they declined to issue me a refund or provide me with a valid tracking number. I disputed the transaction with my bank and was issued a temporary credit, after the bank concluded it's investigate, my claim was denied and the temporary credit was taken back. The documentation the bank provided me showed a discrepancy with the transaction and shipping dates provided by the merchant, I pointed this out to the bank and gave them the invalid tracking number the merchant provided. I also reached out to the merchant with this information and they accepted their mistakes and agreed to issue me a refund in 3-5 business days, I never received the refund and I reached back out to the merchant. I was told they could not process the refund because of the chargeback. I have supplied all this information to the bank and they continue to deny my claim. The merchant has clearly stated they owe me a refund, there is no reason why my claim should not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: NY

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed a fraudelent {$9.00} charge on my checking last month. I reported it and Truist bank closed my debit card and said they would send me another card. They have never sent it and I went into one of the local locations two weeks ago and asked for a temporary and the banking person was so rude and claimed they don't do this any longer. I need my debit card. i have been with BBT for many years but Truist is just not ethical at all

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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and ask to please remove the fraudulent information immediately from my file. I have sent all documentation to your offices and they have not removed them. You are violating my FCRA rights. I want the following deleted. 

XX/XX/2022 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: CA

Complaint narrative:
Since I requested the company to remove me from the forbiddance plan, I'm trying to resume payments, but they do not move the balance acquired during the forbiddance to the end of the mortgage, so the website doesn't allow me to resume my payments. 
I'm trying for more than a year to follow the process of providing all the required documents but so far no answer from the company. 
Now I received a letter from a layer office informing me my mortgage was sent for forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and ask to please remove the fraudulent information immediately from my file. I have sent all documentation to your offices and they have not removed them. You are violating my FCRA rights. 

I want the following deleted. 
XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 2022-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
I received a threatening email stating speedy cash ( XXXX XXXX ) sent me a warning XX/XX/2020 for a loan I never took out when I contacted them that more threats came especially when I asked for proof for signed documents Ive called speed cash twice IM MOT IN THE SYTEM I have no ideal who XXXX XXXX is or the attorney she sent the information to & that is : XXXX Claiming legal will be taken & my employer will be contacted Amour {$970.00} if I dont pay that itll be {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITY BANK CONTINUES TO REAK HAVOC ON ALL OF MY CREDIT CARDS THAT HAVE BEEN ISSUED AND OR BOUGHT BY THEM. THE LATEST CARD IS MY XXXX XXXX STATING IT REVEALED POTENTIAL CONCERNS AND OR IRREGULAR CREDIT CARD TRANSACTIONS. REAL COMENITY THE ACCOUNT HAS BEEN PAID IN FULL FOR MONTHS/YEARS WITH A A+++++ PAYMENT HISTORY. I DO NOT UNDERSTAND WHY YOU ARE DOING THIS TO ME AND ALL OF MY ACCOUNTS IT DOES NOT TAKE A GENEROUS TO SEE THERE ARE NO IRREGULAR CHARGES ON THESE ACCOUNTS AND MY ACCOUNTS DO NOT POSE ANY CONCERNS. WHY IS IT YOU SINGLE OUT ANOTHER ACCOUNT OF MINE AFTER YOU HAVE RECEIVED MY COMPLAINT THROUGH CFPB???? I AM TAKING YOUR ACTIONS AS RETALIATING FOR YOU ALSO DID IT TO ANOTHER ACCOUNT OF MINE PRIOR TO XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA has sent a debt You will need to contact the third-party agency, XXXX, by calling ( XXXX ) XXXX to determine eligibility for a settlement on the account. Who put an acronym before typing out what it means? That's what USAA has done I don't know who this company is that I have to reason with to resolve any dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX22 XXXX, XXXX, equifax refuses to provide XXXX with a copy of his XXXX credit reports and refuses to provide XXXX XXXX with a copy of his credit reports, they also refused to correct the information on his credit reports causing credit fraud on XXXX credit files, they falsely accused XXXX of impersation and refused to temporay lift and remove the credit freezes on all XXXX credit reports so t.moblie could do a credit check for XXXX to obtain t.moblie services and a phone, instead credit, loans etc given to hackers instead, furthermore all XXXX emails, phones, numbers hacked and spoofed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
In XXXX i noticed money missing from my account and i notified Cash app immediately. There were numerous random amounts. They investigated and originally declined the payments and sent them back to my bank account which is closed due to same problem. Cash app informed me the payments they will refund are for XXXX on XX/XX/200 on XX/XX/XXXX, and XXXX on XX/XX/XXXX. All with notes stating " to XXXX at XXXX '' after informing cash app they're are stil XXXX other cash payments by different users that have still not been put into the dispute, they have disregarded my requests. After 3 weeks i was able to speak to a call rep which informed me the XXXX refunds will infact credit to my cash app account since my bank rejected the refund as it is closed. Again I have been going back and forth with cash app explaining this. Now today I am told by cash app rep that my bank declined it. Which in fact they did not. I confirmed with my bank that these XXXX transactions were paid to cash app in XXXX. No refunds have even been rejected as cash app originally stated the refunds were sent and were not. Somehow now they put in their computer it was bank who declined it orginally which it wasnt. I asked for documentation showing this. As i provided them with documentation these amounts were paid and unauthorized by me through my account For over 30 days i get no response in regards to all payments made to this person 's that all have notes of " jXXXX XXXX XXXX ''. They have failed to include all these transactions in my dispute. And now failed to refund stating it was bank error. Bank confirmed payment but cash app states otherwise. Documentation included. I am refused to speak to disputes or to a supervisor and have been hung up on 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I did found out this morning that I received the email from XXXX XXXX said that I have XXXX point off on my credit score. Because of Inquiries ( Target credit card ) I didn't apply for target credit card on XX/XX/2022. I will like to please remove that in my credit and MUSR BE FRAUD. I just spoken to XXXX live person said I have to go thru fill it out paper form on FTC.GOV. I give them my drive license and social security and explain to them what happen then mail it. they will received from me then they will remove target credit card on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: CA

Complaint narrative:
The decision to not delete the public record on file is very upsetting and I do not think this is fair. I have sent supporting documentation to Experian and XXXX showing, prior to the public record, that XXXX XXXX admits to an erroneous software miscalculation on XX/XX/XXXX which denied a loan modification which led to the public record filing on XXXX, XXXX, XXXX. This case has extenuating circumstances. The public record filing should never of been filed in the first place but was based on an error by XXXX XXXX. XXXX XXXX suppressed this information from me for XXXX years as I was notified on XX/XX/XXXX of the error. This is the correct aspect of this matter. It is time to end all the controversy of this matter and by deleting the last public record on my credit report will do so.

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 2022-05-31 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:
In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency connot furnish an account without my written instructions

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 2022-05-31 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:
In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency connot furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: TX

Complaint narrative:
They are attempting to collect a debt from someone i dont know that may have had my number previously. After numerous encounters and repeatedly asking them to stop calling me, they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # - XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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