vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
My name is XXXX XXXX, I have been with Honda since XXXX. I am contacting you in regards the account # XXXX. I been paying my notes on time for the past 10 years for two accounts. The account I mentioned was for the leased XXXX XXXX XXXX. I made the decision to purchase the car since I love Hondas. The purchase occurred on XX/XX/XXXX at Honda XXXX XXXX, however the final payment was sent to Honda Financial Service on XX/XX/XXXX. I have sent letter from the dealer showing it was their fault sending the payment late. the late payment was reported in my account on the XXXX of XXXX. 

I have been trying to resolve this since XX/XX/XXXX. I have called many times, I sent letters to XXXX  as I followed everything he asked me to. My account was set on autopay, I never been late, I have no intention to be late. It was the last payment. So I kindly request considering me being Honda customer since XX/XX/XXXX, never being late, and this being the last payment, and being its the dealer fault submitting my final payment 15 days late, so I kindly request to remove the inquiry on my credit report of this late payment. Please remove this late inquiry from my credit bureau since it was not my fault and I feel tight and powerless not able to have my rights and protect my credit report from others fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
Georgia Unemployment department issued people these Way2Go Cards back in XX/XX/2020 when COVID19 started. 

I did not receive my card until late XXXX early XXXX, because I did not know my job was filing unemployment on my behalf. So when I received the card it was like {$9000.00} on there. Now its still the beginning of COVID and no one is really traveling, plus I just moved so I had mad bills I'm behind on due to the lose of my part time job. 
Prior transactions I had tried to withdraw money from the card but was not allowed to get more than {$300.00} at one time, from a bank listed associated with the card. Nor does the card give you the option to transfer money from the card to an account or different card. 

XX/XX/XXXX was the last time I used my card stopping at {$5000.00} so that I manage the remaining of the money for the rest of the year. XXXX the XXXX maybe the XXXX I checked my card to see that someone in Florida had withdraw {$2500.00} and change from the account as ATM withdraws. Two transactions where {$500.00}, {$400.00} and $ XXXX withdrawls. Now i'm confused because I have had my card the whole time no one even knew of the funds I had receive, nor did I even know anyone around me who has even been to Florida in the middle of COVID19. 

I called to put in a dispute XX/XX/XXXX or XXXX without a police report and was denied. Company stated after calling for over a month and hearing nothing that my dispute was denied for Conflict of Information. Which did not made no sense. All my transactions where made in Georgia so why would I go to Florida to make ATM withdrawals. Also I used the card regularly so why were those the only transactions made all the way in Florida. My last transaction was at XXXX in XXXX XXXX Ga XX/XX/2020. The first fraud transaction was made that same day in Florida. now how could I have made that transaction in the same day in two different states? If you check the transaction time frames you would see that is not possible. 

So I reached out to my lawyer and was advised to make a police report, report my identity stolen and resubmit the claim dispute. I did all this and was denied again. I have called and have been hung up on after waiting over an hour for an agent. Since XXXX I've called more than 10 times waiting over an hour every time to receive no information. I have been told I would receive a call back from the investigating offers and never received and call back. My lawyer has sent two letters to the company asking for my money back but we haven't heard any response from them. 

I have been calling them since XXXX and no one has told me why my claim was really denied. Conflict of information does not cut it what was the conflict of information?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
My loan was transferred to BSI Financial Services and it has has caused a true hardship and has negatively impacted my financial standing. The challenge follows many problems including : ( 1 ) Inability to Pay Taxes On-Time : My escrow account is current and is fully funded. It has had sufficient cash on hand and despite this the servicer is delinquent on two separate tax accounts : ( a ) Town Taxes and ( b ) County Taxes. These are both UNRESOLVED and one payment is over one month past due. 

( 2 ) Late payment to my Homeowner 's Insurance holder : It took multiple email correspondence and many calls to customer service to extract a payment to my Insurance Agency. Moreover, I involved my Insurance Agent in calling BSI Financial prior to a payment being made days after the due date. This caused real unease because I didn't want to lose my policy nor get negatively targeted within the insurance marketplace due to 'late payment '. 

( 3 ) Incorrect PMI Deductions - BSI financial services has incorrectly charged my PMI and has incorrectly doubled my payments since my financial relationship started in XXXX. I have written and become correspondence with customer service ( via phone ) and resolution seems to be far off. Moreover, I was not told HOW this would be resolved ( i.e. would their be a check sent back to my residence or would it be deposited back into my escrow account ). 

( 4 ) Tradeline delinquency applied to my Credit File - A 30-Days past due was issued against my credit file DESPITE being a new account. This is a violation of RESPA and despite asking for a correction there was no solution. Instead, I received a written letter from a 'Complaint Resolution Specialist ' that 'the information that we have reported to the credit reporting agencies is correct. ' This action is actually illegal and it is not congruent with providing a new service account 60-days grace period. The only reason I could NOT make my loan payment is that it was only after the due date on XXXX that the account even reflected correct information. I spent over a week trying to establish an online account and didn't receive payment instructions until AFTER my XXXX due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XX/XX/XXXX i initiated a Citibank web transfer of {$70000.00} from XXXX checking account xxx # XXXX to a Citibank savings account XXXX. On the same day, I received a Citibank email indicating that Citibank received the transfer request and I should expect to see funds in destination account within 3 business days. Also on the 3rd, I received another Citibank email confirming the transfer-with a delivery date of XX/XX/XXXX. 
On XX/XX/XXXX I checked my XXXX  checking account and {$70000.00} was debited from my account. 
On XX/XX/XXXX I received a Citibank email indicating that the funds could not be deposited into Money Market account XXXX. If the funds were held by another financial institution to contact them to have the funds deposited back into my account. 
Now the fun part. Between XX/XX/XXXX and XX/XX/XXXX I have contacted XXXX  5 times and Citibank 6 times trying to get the funds either deposited into my Citibank savings account or returned to my XXXX  checking account. In each case I talked to many different departments and management but always end up with the same result each institution stating it is the other banks responsibility to retrieve these funds. 
Citibank could not provide me with an answer on why the transfer was not completed and because they use XXXX, a third party financial institution, for the transaction they cant request the funds to be returned. 
XXXX  on XX/XX/XXXX opened a dispute claim to investigate the issue. On XX/XX/XXXX I received a letter indicating they could not find an error in the processing of the originator instructions and considered the investigation closed. 
In summary on XX/XX/XXXX a Citibank web inter-financial transfer was initiated which resulted in a deduction of {$70000.00} from my XXXX  account but funds were never deposited in my Citibank account. Numerous attempts of contacting both institutions over a 5 week span resulted in each bank indicating that the other bank was responsible. 
If needed I can provide copies of all bank emails, account numbers and specific dates with details of my attempts of contacting both banks to resolve this issue. 
Thanks in advance for your 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 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am a Wells Fargo customer. My Bank account number with them is XXXX. I received a letter from them recently stating that they are closing my account due to a postal money that was deposited in my account ( copy enclosed ), which was mailed to me through USPS ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) ( copy also enclosed ), this money order appeared to be valid XXXX and the Post Office said that it looked valid as well. I deposited it, and although WF placed a hold on it, it eventually cleared. I thought all was ok with it at that point as WF placed a longer than usual hold on it. How is any banking customer even able to verify the legitimacy of any type of check anymore? You can't simply call the Bank the check was drawn on, they won't verify it unless you also have an account with that Bank. It is extremely unfair for WF or any Bank to treat a customer this way. How about working with a customer to solve the issue, and maybe actually talk with the customer to find out what occurred and try and help? I have tried repeatedly to call WF to discuss, but can't get through to the department that I need to. I sent an email, but have no response yet. I want my account reinstated ( and time given to me to try and get the party that issued the money order to make good on it ), I also would like WF to be required to pay monetary damages as well. They should not treat customers this way.

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 2021-01-11 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX Bless On XX/XX/XXXX, I appeared via XXXX  in court with Judge XXXX XXXX The XXXX  meeting started at XXXX XXXX  with Judge XXXX XXXX, XXXX XXXX XXXX attorney for XXXX XXXX Co XXXX XXXX XXXX, who showed their faces. There were two other people on the XXXX meeting that I was not aware of under the screen names, XXXX XXXX XXXX. *They did not show their faces and their microphones were muted. 

The Judge asked the attorney would she like to talk to me before proceeding, she stated yes and then he asked me, I stated, No. The asked if there is anything I would like to state, I advised that I believe the case should be dismissed due to the fact that I was improperly served, the person that lives there now was served where I do not reside and that after I found out and was actually served the woman did not indicate who she was or why I am being sued. The attorney stated that I did live there in XXXX when the account was created. I also stated due to reason number XXXX, due to the account numbers do not match from what the attorney has ending in XXXX vs what I have ending in XXXX. The attorney stated that account numbers changes all the time. I stated that I did not live at that address in over 3 years and that if the account numbers changed then I would have been notified. The judge asked if there is anything else. The attorney and myself stated, no. the judge ruled in the plaintiffs favor stated that I would need to pay for debt and court cost. the XXXX  meeting ended at XXXX XXXX. 

***The meeting ended so abruptly that I had to call up to the court to see in what favor the judge went with. The lady on the phone stated that I have XXXX  days to appeal. 
I went up there to get the appeal in person the reps, XXXX stated that this is not a court of record and that the XXXX  calls were not recorded nor do they have transcripts. 

Prior to this at the original trial the attorney had told me a judgement would be filed against me anyway and that he would file a continuance so I should negotiate a payment.I sent the court and the attorney a letter and the evidence stating I would like to enforce my rights based on the FCRA to be able to verify the debt especially since I was not notified of my account changing, I do not recognize the debt, and I stated at the prior trial I am disputing this debt. The court emailed me back saying they received it on XX/XX/XXXX as well as XX/XX/XXXX. The attorney received it on XX/XX/XXXX. To this day I have not received any paperwork or documents proving this debt is mine or that it was properly verified. 

I can not afford the appeal fees and need guidance and help from you to reverse this incorrect judgement decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: VA

Complaint narrative:
Experian a credit reporting company has said a medical bill is allowed to be placed on there credit report if the medical company sells the debt to a collection agent. 
Is this legal? A medical debt does not change! if this is a loop-hole in the legal language written in ( The Fair Credit Act ) it needs to be corrected., But if a debt has been sold why would the medical company who invoiced me take my money? they no longer have any right to it because they sold it. I have a receipt showing I paid it with the medical company and a conformation number. That would be a quid pro quo of some sort.

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 2021-01-11 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Because of my identify theft issue, cyber criminals able to deposit fraudulent checks and withdraw funds thru electronic transfers. That caused other transactions bounced back with return fees and overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/XXXX, my fiance had a student stipend of {$5700.00} deposited into my card BlueBird American Express Account. Not knowing this would be a breach of contract. That same day the money was deposited, the card was suspended, and we were told the funds were returned to the originator. Funds were never sent back to the originator. On XX/XX/XXXX a complaint was filed with the Consumer Financial Protection Bureau. With the aid of the Consumer Financial Protection Bureau, Bluebird by American Express agreed to return the funds within 10 business days of receiving a Letter of Indemnity from the originator 's bank. On Thursday XX/XX/XXXX, at XXXX XXXX XXXX a representative for American Express 's Fraud Department, and his supervisor XXXX both reported that American Express 's Fraud Department had received the Letter of Indemnity from the originator 's bank on XX/XX/XXXX. In a follow-up call with American Express 's Fraud Department on XX/XX/XXXX, at XXXX XXXX., XXXX a supervisor for American Express 's Fraud Department reported that the payment investigation team had received the Letter of Indemnity on XX/XX/XXXX and the situation could take up to 10 business days for funds to be forwarded back to the originator and due to the holidays, the funds should be returned no later than XX/XX/XXXX. On XX/XX/XXXX I contacted the originator to see if the funds had been returned and it had not. Then again, I contacted the originator on XX/XX/XXXX and the funds still have not been returned. Currently, Bluebird by American Express, Customer Service, and Fraud department can no longer be accessed through the XXXX ( XXXX ) XXXX nor the XXXX ( XXXX ) XXXX, both numbers refer to the online site for help which I can not access because my account is frozen. I still presently, receive emails weekly from BlueBird stating my balance is {$5700.00}. The last email sent was Wed, XX/XX/XXXX at XXXX XXXX stating my balance is {$5700.00}. Again, I am requesting the funds be returned to the originator. I strongly feel Bluebird by American Express is attempting to steal these funds and none of their actions suggest otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sent a letter stating they owe me {$150.00} but never send check-I 've called 5 times.

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 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On Tuesday, XX/XX/XXXX, I saw an advertisement on XXXX XXXX for a XXXX XXXX  for {$140.00} I contacted the seller right away via text as the seller ( scammer ) wanted. I text the scammer the same day and they reply with " The item is available ''. They told me to send them the money and and the shipping information thinking XXXX XXXX has some sort of protection but unfortunately they don't. I sent them the money via cash app ( {$140.00} ) and extra money ( {$20.00} ) for overnight shipping as they provided me with pictures taken at the XXXX  facility. Their cash tag is " $ XXXX ''. once I sent them the money, they stopped replying to my texts or calls. after I try texting them from a different number asking them if the item is still available and the reply with yes. this scam is sickening and something should be done to punish these people. the account was on XXXX XXXX and the account 's name was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Through my Chase Sapphire Reserve Credit card, I signed up for Chase 's XXXX XXXX promotion in XXXX of last year. I've reviewed the Chase promotion terms of agreement and ensured I was in complete compliance. 

The promotion advertises that it provides both a free monthly subscription ( monthly charges of {$9.00} are to be reimbursed ) and a {$60.00} annual credit. I recently realized that while I got the {$60.00} annual credit upon activation, I never received the monthly XXXX credits from XXXX through XXXX, despite being activated. That's a total of 8 monthly charges of {$9.00} each, totaling {$79.00} I know it was activated because I received that {$60.00} credit immediately upon use, and the app was downloaded to my account. I've since received one {$9.00} monthly credit for XX/XX/XXXX, but I am still owed {$79.00}, for the uncredited months of XXXX through XX/XX/2020. 

I've called the Chase customer service line and spoken to supervisors about this no fewer than five times beginning of XXXX. Each and every time the Chase rep tells me that they'll be processing a credit in the full amount of {$79.00} in 7-10 business days. That has not happened. And each time I call back and have the exact same conversation again.

Company response to consumer: Closed with monetary relief