vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received an offer from Citizens Bank. The offer was to open a savings and a checking account, maintain at least XXXX XXXX  monthly, and have a minimum direct deposit of {$500.00} per transaction. In return the bank would credit ( deposit ) my account {$600.00}. 

On XX/XX/2023, I opened a checking and savings account with Citizens bank, and made 2 different transactions of {$500.00} each from my Savings account at XXXXXXXX XXXX over to the newly opened savings and checking account at Citizens Bank ( a total of {$1000.00} ) using Citizens Bank direct withdrawal tool. 

Using the Citizens Bank online website, I was able to see the funds in the newly opened accounts. On XX/XX/2023, I was not able to access the Citizens Bank accounts online so I called their customer service, and they told me they were not able to find any accounts under my social security number or my name. 

On XX/XX/XXXX, I also received a letter stating the newly accounts opened were closed and no explanation on the reasons why. I contacted the number on the letter and they were not able to give me any information. The letter referred me to the local bank. 

On XX/XX/XXXX, I went to the Citizens Bank branch in XXXX, NY, and spoke to the branch manager, XXXX XXXX. He said he could not do anything for me because I opened the account online. He called customer service and they were not able to provide him with any information. 

Since then, I have called their customer service, their fraud department, and their ACH department, and no one is able to find my account or funds. 

My bank, XXXXXXXX XXXX, from the very beginning has confirmed the funds, {$1000.00}, were successfully debited from my savings account by Citizens Bank, and they provided me with the 2 trace numbers Citizens Bank could use to tack the funds. Citizens bank has stated they can not help me. 

The trace numbers are : XXXX # XXXX XXXX # XXXX I appreciate your help as it seems Citizens Bank used the advertising to commit fraud. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
deposited {$1100.00} cash into Regions ATM on XX/XX/20. XXXX took the money but never issue receipt and funds were never deposited into account. ATM screen error/gray screen ( took pictures of error ). Submitted claim with Regions ( claim # XXXX & XXXX ). 
Received letter few days later from Regions saying no error found and ATM was checked, no errors. I asked if they checked the correct ATM and if they reviewed the video surveillance. They said they do not have access to the video surveillance. Escalated the case several times and branch manager said they have had similar issues with their ATMs. Last week branch XXXX XXXX states their notes now show that system did in fact have an error. Issue has not been resolved.

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 2023-08-17 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: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX i received a payment adjustment notification letter in mail. It indicates that the payment change will occur XX/XX/XXXX. The interest rate shows an adjustment to a rate of 6.3 %. The payment amount for current payment is incorrect in the letter. The payment amount for the future payment is also incorrect. Per the terms of my note, I should receive a payment change notice 60 day prior to a rate change. I did not receive any previous letter. 
I called the services on XX/XX/XXXX to discuss this problem. I was on the phone for 2 hours and was disconnected 4 times and spoke with at least 7 different customer service reps. Each one gave me information that was incorrect. After 2 hours and getting disconnected for the 4th time, I gave up. 
I am worried that the servicer is not accurately calculating my payment and abiding by the terms of my note and adjustable rate rider Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: IL

Complaint narrative:
On XX/XX/2023 I noticed over 50 unauthorized transactions on my statement and they all were to XXXX and my debit card wasnt even linked to XXXX. The bank associated with mu account only issued a refund for {$110.00} and I was told that XXXX is trying to take that money too even though I have locked my bank account and i have contacted XXXX and they are ignoring me and my bank says that they are pretty much not going to give me my money back. My bank is Comerica bank direct express is the card linked to this bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX, purchased a vehicle ( XXXX XXXX XXXX XXXX ) from US Auto Sales XXXX. I used their in house financing & I also purchased a vehicle service contract for {$3500.00} included in my loan. My contract number is XXXX & that company is XXXX. When I purchased the vehicle it had XXXX miles on it & I was told my service contract would be active XXXX miles from that odometer reading. My car broke down in XX/XX/XXXX. When I contacted the service warranty department & they informed me that US Auto Sales failed to pay them for my service warranty & had done this to thousands of other people & that they were shutting down & there was nothing I could do about it. I was forced to create a go fund me to come up with {$2400.00}. Now a few days ago ( XX/XX/XXXX ) my car has broken down again & requires more maintenance that I can not afford. I am unable to get it fixed & unable to pay for a car that I can not drive because now I have no way to get to work. What US Auto Sales has done to me is gut wrenching because I have always made my payments on time & when they misplaced my payment for my service warranty, they stole {$3500.00} from me that I could be using to get my car fixed. I had it less than 1 whole year before it became inoperable. Its unacceptable & I would like my money back.

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 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am responding to your letter dated XX/XX/XXXX, regarding CFPB Case # XXXX. While you claim this debt has been properly verified ( which has not ), you have failed to acknowledge that this debt is NO longer legally enforceable based on the Arkansas statute of limitations. As I stated in my original dispute, according to your own account summary : -- The debt originated on XX/XX/XXXX with XXXXXXXX XXXX -- The last payment was made on XX/XX/XXXX -- The account was charged off on XX/XX/XXXX... Under AR Code 16-56-105, the statute of limitations for debt collection in Arkansas is three years. As there has been no activity since the charge-off in XXXX, over three years ago, this debt is time-barred. While you have rights to the paper documentation of this alleged debt, you NO longer have legal remedies to collect on it due to the expired statute of limitations. Attempting to collect this unenforceable debt violates state and federal law. I again request that you cease all collection activity on this account and inform the credit bureaus that this debt is disputed and should be removed from my credit report immediately. Please confirm these actions in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Northwest XXXX Court XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple creditors and the accounts associated with them. After careful review of my credit reports, I have identified several instances where I believe violations of consumer protection laws may have occurred. I am seeking your assistance in investigating these matters and ensuring that my rights as a consumer are upheld. 

The following violations have come to my attention : XXXX. XXXX XXXX  ( # XXXX ) : - Violation : Failure to provide accurate and verifiable information about the account. 

XXXX. XXXX XXXX ( # XXXX ) : - Violation : Alleged unfair practices in relation to account management. 

XXXX. XXXX ( # XXXX ) : - Violation : Insufficient or inaccurate information provided about the account. 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ), XXXX XXXX ( # XX/XX/XXXX ), XXXX XXXX  ( # XX/XX/XXXX ), and others : - Violation : Failure to properly disclose terms and conditions as per TILA ( Truth in Lending Act ). 

XXXX. Settlement Office ( # XX/XX/XXXX ) : - Violation : Lack of transparency in settlement procedures as per RESPA ( Real Estate Settlement Procedures Act ). 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ) : - Violation : Alleged unfair practices in account management. 

I have personally experienced the negative impact of these violations on my financial stability and overall well-being. [ Provide details about how these violations have affected you, such as increased interest rates, difficulties obtaining credit, emotional stress, etc. ] I respectfully request that you conduct a thorough investigation into each of these violations to ensure that the creditors involved are held accountable for any breaches of consumer protection laws. Furthermore, I request the removal of the unverified accounts associated with these creditors from my credit report. Doing so would not only rectify the inaccurate reporting but also contribute to restoring my financial standing. 

I greatly appreciate your attention to this matter and look forward to a prompt resolution that upholds the principles of consumer protection and fairness. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple creditors and the accounts associated with them. After careful review of my credit reports, I have identified several instances where I believe violations of consumer protection laws may have occurred. I am seeking your assistance in investigating these matters and ensuring that my rights as a consumer are upheld. 

The following violations have come to my attention : XXXX XXXX XXXX ( # XXXX ) : - Violation : Failure to provide accurate and verifiable information about the account. 

XXXX. XXXX XXXX ( # XXXX ) : - Violation : Alleged unfair practices in relation to account management. 

XXXX. XXXX XXXX XXXX  XXXX ) : - Violation : Insufficient or inaccurate information provided about the account. 

XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( # XX/XX/XXXX ), XXXX XXXX  ( # XX/XX/XXXX ), and others : - Violation : Failure to properly disclose terms and conditions as per TILA ( Truth in Lending Act ). 

XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) : - Violation : Lack of transparency in settlement procedures as per RESPA ( Real Estate Settlement Procedures Act ). 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ) : - Violation : Alleged unfair practices in account management. 

I have personally experienced the negative impact of these violations on my financial stability and overall well-being. [ Provide details about how these violations have affected you, such as increased interest rates, difficulties obtaining credit, emotional stress, etc. ] I respectfully request that you conduct a thorough investigation into each of these violations to ensure that the creditors involved are held accountable for any breaches of consumer protection laws. Furthermore, I request the removal of the unverified accounts associated with these creditors from my credit report. Doing so would not only rectify the inaccurate reporting but also contribute to restoring my financial standing. 

I greatly appreciate your attention to this matter and look forward to a prompt resolution that upholds the principles of consumer protection and fairness. 

Thank you for your assistance. 

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 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX XXXX XXXX has been emailing me as a 3rd party, demanding that I pay XXXX for a account that was verified as a fraudulent account and removed. The Original Creditor which is as Capital One, N.A. was also removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NC

Complaint narrative:
Hello, I received a letter from US Bank on XX/XX/XXXX stating they had a reason to believe an account was opened in my name. This is not correct as I am the rightful owner who had opened this account. I called XXXX on XX/XX/XXXX to inquire on my funds as I didn't receive those after they closed my account. The representative said in order to release the cashier check they need copy of my SSN, Driver license, Utility Bill and the statement of the source of funds that were deposited into my US Bank checking account. The Fax was sent on XX/XX/XXXX at XXXX am. The fax was successfully received based on the status OK. 

I get a call on XX/XX/XXXX saying they received the Fax but SSN and driver license copy were not clear and asked me to email these 2 documents ( SSN and driver license ) to XXXX Called on XX/XX/XXXX to follow up and now the representative says they didn't receive fax copies and asking me to send them again. 

US Bank is harassing me to give me my funds back, every time I call them they are tell me one thing or another and not a single representative is able to tell what is going on. I am fed up with this and creating this complaint to get my funds back. It's a big amount and my hard earned money I am in need of it but US Bank is harassing me to give me my funds. 

Please help.

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 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have had two consecutive car loans with BMO Harris. Upon final payment of both, I was charged additional fees which totaled more than an additional car payment in order to release the title. The only number for a customer service rep is outside of the U.S. ( sounds like XXXX ). When you insist on talking to BMO Harris directly due to the large discrepancy in the pay-off amount, they tell you that they can not help you and then direct you to call an XXXX number which turns out to be bogus. There is no way to get ahold of the bank directly. They have ripped me off on two loans and I vowed to never do business with them again. Meanwhile, I am reading on the internet that this is happening to a lot of other people. They hold your title hostage until you pay these outrageous fees, when all payments and transactions were made ON TIME via online bank transfers. I have each payment record. There should be no late fees or additional interest, but there is no one to complain to or rectify the situation. BMO Harris is an unethical bank that needs to be stopped IMMEDIATELY. They must be garnering XXXX XXXX XXXX in bogus fees and interest. How are consumers supposed to fight this? Every inquiry leads to a deadend.

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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened a BanK of America credit card earlier this year and I travelled XXXX  to engage in my normal lime of work as a XXXX  XXXX with a XXXX XXXX. During the travels, I used the Bank of America credit card several times, after which the card was frozen. 

I called Bank of America several times to get the freeze lifted which they could not do. Eventually the card was closed. 

Not wanting to damage my credit ( yet locked out of my account ) I paid the remaining balance of {$1300.00} on XX/XX/XXXX, and hoped all would be well. And it was, until Bank of America 's autopay also withdrew the very same final balance amount of {$1300.00} on XX/XX/XXXX from my checking account. 

Thus, my account was overpaid by {$1300.00}. 

On XX/XX/XXXX I was back in the North Carolina area and I visited a bank branch to verify my identity and sort out this situation. The manager promised that my {$1300.00} would be returned within 10-14 days.

That did not happen, and since then I have been calling Bank of America representatives weekly to try to troubleshoot the situation. Some say I should just be patient. Others say there is still a fraud alert on my ( closed ) account and perhaps that is why the cash is not being returned. 

Every company representative I call - about 10 so far - has promised to help and vows to get the money returned to me in 10-14 days. Yet nearly 2 months later I am unable to find anybody capable enough of resolving this situation.

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 2023-08-17 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: TX

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update this immediately in my report : DEPTEDXXXX 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