vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Dozens of calls from similar numbers, usually calling between XXXX and XXXX. I'll answer the phone, with no one answering. 

Calling the number directly, I finally was connected through to a company called 'Credence Resource Management ', and they said, 'could not share why they were calling '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: NJ

Complaint narrative:
My original mortgage with XXXX XXXX Bank # XXXX was sold to a company called Land Home Financial Services Inc as of XXXX of XXXX. I had automatic payments set with XXXX XXXX and all payments were made and I have never been late. I never received any notification from the new mortgage processing owner. On XX/XX/XXXX I finally received a statement adding 'FEES ' to my mortgage monthly payment of XXXX, which they claimed are fees owed to them. I contacted the company multiple times via telephone, without any resolution. They do not have a website to see your mortgage or payments. I continued to submit my monthly mortgage payment via check because this incompetent company of loser does not offer web based payments, so it is like the XXXX 's where you have a mail a check to California. I have made my monthly payments and yet I keep getting a statement for XXXX without any explanation. The few people which answer phones are rude, ignorant and careless. They said XXXX XXXX just recently credited my accounts but they have not made any adjustments for those fake 'FEES '. I am raising this complaint and will move forward with 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 explanation
Consumer complaint received 2023-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, 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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My original mortgage with Wells Fargo Bank # XXXX was sold to a company called XXXX XXXX XXXX XXXX XXXX as of XXXX of XXXX. I had automatic payments set with Wells Fargo and all payments were made and I have never been late. I never received any notification from the new mortgage processing owner. On XX/XX/XXXX I finally received a statement adding 'FEES ' to my mortgage monthly payment of XXXX, which they claimed are fees owed to them. 
I contacted the company multiple times via telephone, without any resolution. They do not have a website to see your mortgage or payments. I continued to submit my monthly mortgage payment via check because this incompetent company of loser does not offer web based payments, so it is like the XXXX 's where you have a mail a check to California. I have made my monthly payments and yet I keep getting a statement for XXXX without any explanation. The few people which answer phones are rude, ignorant and careless. They said Wells Fargo just recently credited my accounts but they have not made any adjustments for those fake 'FEES '. I am raising this complaint and will move forward with 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 explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My long running autopay series was cancelled which lead to a late fee ( presumably interest charges ) accruing on my account even though this autopay series has been running for years. 

My Unlimited Cash Rewards card had an autopay series that was set up when it was originally a Merrill product. In early XXXX of this year I did a product change to the new Unlimited Cash product and my autopay payment series continued to run in XXXX and XXXX successfully. On my due date ( XX/XX/XXXX ) no payment was applied, triggering the late fee etc. 
The only thing that I can imagine might be related is that I set up autopay for a separate account ( Customized Cash ) on or about XX/XX/XXXX but I don't understand how that would cancel my autopay on my Unlimited Cash ( formerly Merrill+ ) card. 

I talked with someone on chat who couldn't look up my autopay information. When I asked to be escalated to someone who could help they gave a phone number that dumped me into someone in banking who couldn't access my credit card account. When I asked for a warm handoff to a credit card agent they connected me somehow but then I got disconnected ( no call back ) from that agent partway through the discussion with them.

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 2023-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: HoldCo LLC
State: AZ

Complaint narrative:
On XX/XX/2023 at XXXX, I deposited {$500.00} at a Bitcoin Depot ATM to convert to Bitcoin. The price at the time for Bitcoin was XXXX. The machine said it charges a {$3.00} service fee so the amount of Bitcoin I was to receive should have been XXXX coins. The company charged me 20 % without my knowledge and only deposited {$380.00} ( XXXX ) to my wallet. This equates to a purchase price of {$38000.00}. They did not disclose anywhere on the machine, screen, or receipt that there was a 20 % fee as I would not have used their machine. Instead, I wasn't even aware of the transaction particulars until after the transaction was complete and I received a receipt with the incorrect amounts. I would have not used their ATM and just transferred from my bank account to my Bitcoin wallet for a small fee instead using my existing exchange account if I was aware they would charge what is tantamount to a grossly negligent fee. I called the company to rectify the situation and they refused to resolve this matter. Bitcoin Depots website also does not disclose these fees under any page labeled fees or under any FAQ sections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. 
A copy of this letter as well as copies of the XXXX previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 
Account XXXX Account 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 2023-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Mortgage loan was paid in full on XX/XX/XXXX. Mortgage servicer website shows the paid in full amounts, and amount of funds paid. Paid in Full letter was sent on XX/XX/XXXX. XXXX Balance Letter was issued on XX/XX/XXXXXXXX It also shows an escrow balance of {$1200.00}. 

Mortgage holder states there is no balance in escrow, and that escrow funds went towards payoff amount, which does not match with the amount of funds sent to them, nor their own paperwork. 

Select Portfolio Servicing customer service is stating that I have no balance in my escrow account and no funds are due, while the customer dashboard and payoff letters directly contradict this statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-12 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Collection Systems, Inc.
State: FL

Complaint narrative:
This company ( national credit management ) has emailed and called and recently started contacting my family member who they claim I used as a reference. When I called the representative, XXXX XXXX, he was rude, condescending and basically told me that he would not stop calling her or anyone else on my behalf because he's trying to collect a debt and as long as this debt is outstanding, until I pay it or make arrangements to pay it, he will call whoever he wants -- that no law protects me from that or prevents him from using such tactics to get me to pay the balance. When I continued to tell him " please stop calling my daughter '', he hung up on me and then refused to answer a subsequent call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I'm Is a small woman own business That banks with santander bank. On XX/XX/XXXX I made a deposit of {$160000.00} And the check came from eastern bank. On the deposit slipped that they gave me did not say there was going to be a hold or an extended hold on the check. On XXXX XXXX  they deposited XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX dollars into my account. At this time I made out my payroll checks and I submitted payment to my vendors. On XXXX XXXX  I received calls from my employees let me know that all the checks have bounced. When I contacted santander bank they told me that they took the money out of the account and did an extended hold. When signing up for this account in their checkpolicy it does state that they have the right to do an extended hold but it does not state that they have. The right to deposit money into someone's account take the money out of the account not notify the customer and remove it from the ledger. I have made an official complaint with santander bank on XX/XX/XXXX and someone? Is supposed to give me a call. Back within twenty four hours and it is now going on a week and I have not returned my call. Also when I've requested from XXXX the supervisor in the fraud department a copy of the policy. He's telling me that it's internal only. What are my rights as a customer? Recently. Santander removed external notary from their services and never informed us as customers. I'm a XXXX XXXXXXXX. And I need to have lean waivers notarized for me to get paid. I would like to know what are my rights as a customer Because every time I call santander bank and speak with someone new like XXXX or XXXX or XXXX or XXXX. They all have a different answer for me and no one wants to answer my question directly. I need to know what my rights are as a small woman own business that operates out of XXXX massachusetts. Is it just the inner city people being treated this way or is this custom across the board.

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 2023-04-12 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax Consumer Relations continues to report inaccurate information on my credit file, Account # XXXX XXXXXXXX XXXX, The Statue of Limitations has expired on this account and must be removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2017, I was scammed by an XXXX XXXX XXXX  imposter on my XXXX using an XXXX XXXX  per the scammers request! He got me into my Chase Bank account to see that I had savings and checking balances! I thought I was talking to an XXXX associate all this time who said my account had been compromised and I needed to transfer funds! He directed me to move fund through my XXXX account to my XXXX! The total amount in several transfers was $ XXXX. I could see my money in my XXXX thinking it was still safe and still trusting this scammer! Then he had me change my bank on my XXXX when my money suddenly disappeared and I became hysterical, screaming and begging him to return my money! I new then this was a scam! Chase declined to refund because of XXXX and XXXX declined because it appeared I authorized the transfers! I am so torn and upset with myself for trusting this man and not catching on to his scam until it was too late! Im an XXXX XXXX XXXX recently retired woman who now have lost my retirement funds! Ive reported to the FTC, FBI fraud division, XXXX, XXXX XXXX, Chase XXXX XXXX, and no one seems to care! I understand there is an Electronic Fund Transfer Act that should protect bank consumers! Why is that act not protecting me? Why isnt more being done to protect the consumer? I just cant give up fighting for my money that I worked so hard for! Please tell me what I should do!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been trying to dispute fraudulent information that I noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in several major data breaches.

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am writing to file a complaint against American Express regarding the closure of my credit card accounts. On XX/XX/2022, I requested a hardship modification from American Express due to financial difficulties I was experiencing as a result of the COVID-19 pandemic. However, on XX/XX/2022, American Express closed both of my credit card accounts without any prior notice or explanation. 

At the time of the account closures, I had not missed any payments on my Platinum account. I later discovered that American Express claimed that I missed a payment, despite the fact that I had called in to set up a manual payment from a different account to ensure timely payment. 

In addition, I was charged an annual fee after the account was closed, and despite requesting a full accounting of the charges on my account, I never received any response from American Express. 

The closure of my accounts has caused significant financial harm to me, exacerbating the financial difficulties I was already experiencing due to the COVID-19 pandemic. I have been unable to secure financing for my investment property and have encountered other credit-related problems as a result of the negative impact on my credit score. 

I believe that American Express violated several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

Under the FCRA, creditors are required to provide consumers with a notice of adverse action before taking certain adverse actions, such as closing an account. The ECOA prohibits creditors from discriminating against applicants or borrowers on the basis of race, color, religion, national origin, sex, marital status, or age. If American Express closed my accounts solely based on an unrelated drop in my credit score, they may have violated the ECOA. 

In addition, American Express may have violated UDAAPs by failing to provide me with a full accounting of the charges on my account and charging me an annual fee after the account was closed. 

I would appreciate it if you could investigate this matter and take appropriate action against American Express. I have attached documentation to support my claim, including copies of my payment records, credit reports, and correspondence with American Express

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX real estate companies have been reported on my XXXX XXXX i would like it to be closed and cleared as paid off and al funds returned to me via my XXXX  account per 12 USC 1813.

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