vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I am the victim of identity theft. Someone attempted to open a fraudulent bank account and I have contacted the bank repeatedly. The bank continues to send me emails to finalize outstanding items for the fraudulent account despite my requests that the account be closed.

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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I bank with Bank of America and I recently thought I got hired on by a company that turned out to be fake but they sent me a check for my work and I thought it was real and I tried to cash it and how I realized it was fake and how I realized the company was fake when the check didnt go through and they went ahead and close my account. They did not talk to me or nothing. They didnt give me a notice. They didnt even try to let me explain.

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 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fairway Independent Mortgage Corporation
State: MO

Complaint narrative:
This mortgage company has incorrectly listed my house as in foreclosure and subsequently up for auction. This issue has been ongoing since around XXXX of 2022. When we contacted Fairway months ago when this first began, they said they weren't sure how this issue arose but that " they were looking into it. '' We have also consistently been told throughout these months that our mortgage is in fact up to date in Fairway 's system with no reason given for why it has been listed as foreclosed nor why it is listed as " for auction '' on multiple websites ( including popular real estate page, XXXX ). Throughout this issue, our credit reports and scores have also incorrectly reflected a foreclosed mortgage and late payments. Since this issue began, we have had lots of unwanted post-mail, email, phone calls, and unwanted visits to our personal home/residence by strangers wanting to buy our house and/or help with foreclosure. After this began, Fairway told us they hired a law firm to handle our issue. We were in frequent communication with that law firm and Fairway, and the unwanted visits and mailings/calls seemed to decrease for a time ( but not completely, nor was my credit report ever corrected ). Within the last 2 weeks, however, we have been informed by a new/different law firm that they have taken over our issue from the initial law firm we had been working with. We called Fairway to confirm this, which they. Since switching to a new law firm, we have again had frequent unwanted calls, emails, and visits to our personal home. This all has led to many frustrations and fear for our family 's safety at our own home due to the visits from unwanted people. We have also spent money and time on a sign for our yard to further dissuade unwanted visitors. We have spent many hours talking with Fairway and lawyers, yet Fairway continuously gives us the run-around when we ask why this is still an issue and why we continue to have inaccurate reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
This is the second time I have tried to post payment for my accounts. I can make payment on my accounts until the XXXX of each month without getting a penalty. 
If the XXXX falls on a Saturday or Sunday the electronic system will not let me make a payment on line until the monday after the weekend and a late fee will be charged even. 
A large company like Loan Depot, claiming Great Customer Service, yet they will not let me make payment on the weekend. Banks are open regardless of day of the week. 
I don't need to talk to a representative I just want to post a payment. 
On line it shows the XXXX available for payment, but will not let me make my payment. 
I have included payment and screen printouts for both of my payments. 
XXXX for one property and one payment for XXXX. I do not wish deserve to have to pay late fees just because the payment date falls on a weekend day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX I was charged by XXXX XXXX in XXXX 3 times the amount of what I was supposed to be charged due to the hotel clerk error. Instead of being charged XXXX XXXX  I was charged {$540.00} XXXX. 
I have submitted booking documentation with the amounts, amounts given by the hotel that should be returned and amount I was to be charged several times. Capital One either loses these documents or doesnt have employees who are able to understand foreign transactions and XXXX. 

Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Card I recently noticed you are attempting to collect the listed alleged debt.

Please be advised that I hear by dispute the validity of this alleged dept listed below in its entirety.

I further, I request verification of the alleged debt, specifically, a copy of the ORGINAL PURCHASE AGREEMENT. Said agreement must with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. 
Amount {$7700.00} I am requesting immediate deletion of all prior reporting made to any reporting agencies.

You must Cease Collections efforts until the alleged debt is validated. You must show proof that you legally own this alleged debt and it accurate and complete.

Sincerely,

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 2023-12-18 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
I called Transunion to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires. Here they are as followed, 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

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 2023-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have purchased some furniture from The Value city furniture store. 
The total amount of the furniture was around XXXX XXXX dollars. I was going to use my XXXX XXXX XXXX XXXX to pay for the balance. However the sales person forced me with XXXX interest trike to open a new account with value city which is through synchrony bank. 
When I opened this account the only thing that the sales person told me that it was XXXX interest that is all. 
So I start making payment every month XXXX or XXXX whatever money that can left extra towards the balance. 
Within one year I paid off almost half of the balance.

So one day i opened the account and I saw the balance went back to XXXX XXXX dollars. I didnt know what happened. I called my wife to see if she made any purchases but she said she never did any purchases. I thought someone fraudly using my card. So I called the customer service and I explained the situation. The representative just laughed and said these are all valid charges, it is all interests. I was really shocked and I said it was interest free for XXXX  months, but it was a trap, which is called deferred interest. They explained this very well after getting their money from you. 
They didnt send any letter in the mail nor in the email they didnt disclose this when opening the account. They just set the trap and steal the money from hard working Americans.

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 2023-12-18 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
i did not authorize this acct to be opened, it is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/23 my bank of america savings account was drained to pay for a closed account that had fees. The mobey they snatched from my savings account was a gift from friend to pay my back rent. I asked for reversal, bank refused, even though i tokd them i needed that money to pay rent or i woukd be homeless and they were unsympathetic as i cried on the phone. This is XXXX and im astonished big bank woukd really not give me that money back!!!!! Today i will be thrown into the street at XXXX XXXX XXXX with my XXXX XXXX XXXX XXXX. We are both sixk and know nothing about being homeless. Im begging u please help me. I will not be long for this world if i dont get my money back so i can pay my rent.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
I am reaching out to address a critical matter concerning CAINE/WEINER 's inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations.

I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by CAINE/WEINER is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX I sent a dispute to XXXX, XXXXXXXX XXXX XXXX yet 3 years laterXXXX and XXXX are still reporting it on my consumer report, which is violating my consumer rights. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. 

In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Well first of all the whole car buying process was thru texts with dealership. He drove the car from XXXX to XXXX and I put XXXX cash down on the car which was XXXX. The dealer made a verbal agreement that if I put XXXX down I can get it for XXXX. My car was total and they say my payoff was XXXX plus, but when I look at my last statement its a little over XXXX left. I payed XXXX  month car note 5 years plus XXXX down XXXX looking at XXXX for a XXXX car. Basically I got played and my pay off is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I believe that Wells Fargo unjustly charged me for flood insurance. In XXXX of XXXX, I received a letter from WF stating that I did not have flood insurance and per their policy, if I did not send proof that I was not in a flood zone, my escrow account would be charged. WF stated that in XXXX of XXXX, they received a letter from my past flood insurance agent stating that I was not covered by them because of lack of payment. WF told me that they did not act on this information at that time. Previously, out of an abundance of caution, I had purchased flood insurance even though I was not in a flood zone, and my house was raised XXXX feet above the ground. When the cost rose, I chose not to renew the policy. 

My account was charged {$1300.00} on XX/XX/XXXX, to cover a flood policy dated XX/XX/XXXX XX/XX/XXXX. I sent in a XXXX  from XXXX dated XX/XX/XXXX, which showed that I had not been in a flood zone since XXXX. WF stated that since the XXXX was dated XX/XX/XXXX, and the policy was for XXXX XXXX, it was their rule that the payment stand as is. Again, I received the request from WF in XXXX of XXXX and therefore could not have sent it before XX/XX/XXXX. I spoke with several employees of the XXXX  flood map team, and they all said that my XXXX was proof that I was not in a flood zone during the time in question. 

After many months of talking to Wells Fargo customer service, their insurance department, and many escalation representatives to try to resolve this issue, WF opened a case at the executive level on XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX, I was told that the ruling stood, and my account would not be refunded. My loan was transferred to XXXX XXXX the day after that decision was made on XX/XX/XXXX. During the time that I was debating this, I was told by a supervisor on the executive customer service team that he knew this was unfair, but it was WF policy. I feel that this is unethical, and I would like WF to send a refund. Please advise. 

( I was also charged {$1100.00} in XXXX of XXXX for flood insurance, but it was refunded because of the XXXX from 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 2023-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: VT

Complaint narrative:
I am a victim of online fraud. PayPal is also a victim of this fraud but they are saying I have to pay this fraud back. I was frauded by a bogus buyer who was part of a bigger group posing as a legitimate shipping company. They purchased custom, made-to-order bags from me in XXXX and XXXX of XXXX. {$64000.00} was collected from this fraudulent buyer to pay for my bags and their preferred shipper ( XXXX XXXX )- they received over {$16000.00} sent for shipping via my bank ACH and PayPal transfers for shipping invoice. Once money was sent, I was ghosted. In XXXX, a dispute was put through for these charges by the buyer - I showed my policies, my emails, etc. I acted in good faith that this was a legitimate order. I contacted the buyer who then ghosted me. I acted in good faith that PayPal would protect me against fraud. PayPal sided with the buyer because their policies indicate they will only protect me, the seller, if I could provide tracking info. Since I was ghosted and ultimately was frauded by both the buyer and the shipper, I couldn't obtain tracking info to satisfy PayPal 's seller protection ( XXXX XXXX XXXX XXXX ) PayPal 's policies only work if buyer, seller, AND shipper are legitimate. In my instance, I was the only legitimate company. PayPal not only locked me out of my account ( no longer having access to my funds ), they kept charging the XXXX XXXX monthly fee, and they did not subtract the fees they earned from these charges! They have put this into collections. I had mail sent to me while on vacation ( mail sent to my friend 's house! ) I have been getting calls from collections agencies as well as emails. Interest is now being accrued for something I was a victim of. 

If we both were frauded, why is PayPal trying to make money off of me? I have used PayPal 's payment processing since XXXX. The dispute occurred in the middle of XXXX and by XXXX, PayPal provided no information - only a locked account with a negative balance saying I have to pay. I have since discovered this XXXX  fraud is still in operation - other reports online with same numbers, emails, and URLs. Can someone stop this? My business can not recover from this loss. 

Since this order was custom, it means I put people to work as soon as the funds cleared to my bank. PayPal cleared those funds. I put my sewers to work. Once it was time to ship and the shipping company was paid, I was ghosted. Monies were spent and now I'm sitting on XXXX bags that I paid to store in a storage unit. This is a devastating experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Requested wire transfer from my Marcus Goldman Sachs on morning of XX/XX/XXXX to another domestic bank account I own. Money has still not been returned to me as of afternoon XX/XX/XXXX. Customer service is unhelpful in answering why or what is preventing the wire from processing, despite the transaction being approved. 

They will not cancel the wire and send another way, so my funds are stuck in limbo until they resolve. They told me I have no recourse except wait for the wire to process.

Company response to consumer: Closed with explanation