vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CareCredit, the health and dental care credit card carrier, deleted my account without my knowledge and without notifying me of the action. My wife needs dental care in the immediate future. I had an account for years. When I discovered the account had been deleted I spent the entire morning of XX/XX/2022 online and with customer service representatives trying to get my account reinstated. The obstacles to be overcome in this process were insurmountable, including the application website informing me it was down after an extensive process of form completion. When I finally completed a form and submitted it, I was subjected to an identify verification process using a company app that refused to accept the video and photos of my id that it solicited. By the time I had taken multiple photos, submitted them, and had them all rejected, my application session had expired, requiring me to start the whole process over. When I contacted customer service I was told that my application had been denied because of the failed verification process, which I maintain was not my failure to follow proper procedure, but the result of their faulty app, the crash of their website, and failure of the website to permit me to complete the process before timing out. I just checked my credit score and it is XXXX. This company is wasting consumers ' time and causing multiple submittals of sensitive information, including social security numbers, without delivering on the advertised and expected result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: NV

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: NJ

Complaint narrative:
The company name is XXXX. 

I had initiated a international money transfer for {$24000.00}. I wired the transfer from my bank account. Upon receipt of the wire payment, they closed my account and are now not giving me any response on the reason nor on what will happen to the transaction, will it be cancelled and money refunded or what. Attaching the contract and account closure notification for your reference. 

I need intervention from CFPB to get this resolved so that i can recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
We were supposed to close on a condo loan on Fri XX/XX/XXXX. We have been upfront with the mtg loan officer since the inception that we were buying AN 'AS IS " is home and as soon as we close we were going to do multiple projects starting with removing popcorn ceilings painting interior, redoing 2 baths and redo kitchen etc. Multiple problems arose with a structural report, lender making us fix numerous things before closing or escrowing additional money for it when we told him we were going to do this when we own the property. We were also personally disrespected with him saying XXXXYOU ASK TOO MANY QUES ' AND " I JUST TOLD YOU ''. We have been home owners since XXXX and since our retirement have gone minimalist route and now decided to get a humble condo with a {$56000.00} loan putting XXXX per cent down. We originally were told closing costs would be {$5000.00} and now its close to {$7000.00}. In addition they want extra ESCROW to put BANDAIDS ON the things were are going to renovate in toto. We told this loan officer this from the inception. We had been told by another realtor that this loan officer was not good and prevented another closing in the past and she did not care for him but by the time we found out we were in tons of paperwork. I dont want this to happen to anyone else. My husband and I feel discriminated on in many levels. XXXX XXXX, XXXX last name and condescending abusive language. We told his supervisor who said he would give him extra training but no one tried to expedite in a timely manner to keep our closing date. With the contract b eing broken by the lender we cancelled on this date XX/XX/XXXX and are requesting our {$500.00} deposit back. We were starting to get flack from the loan officer and were never aware of the structure report. 

I wonder if there are kickbacks here from not closing. We were also made to take a XXXX XXXX course with no explanation except it would save us a lot of money. Pls help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/2022, I received a statement from TD Bank Mortgage that showed I did not pay my mortgage and with some late fees. I reconciled the payments with my actual bank, and saw that the checks were mailed ( as I use AutoPay ) and cashed, with money taken out of my checking account on time. I called TD bank a few times, and simply get stuck in an automated loop without being connected to anyone. Once I was connected, and she said she could not authenticate me on the phone and I would have to try again some other time. TD Bank has no online resource, no online management of the mortgage, and is wrongly charging me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
In early XXXX, US Bank instructed me to pay the taxes on my property to ensure I did not pay the taxes late and incur a late fee with Washington DC. While on the phone with US Bank ( on a recorded line ) I made the payment directly to the city. The representative on the phone from US Bank assured me on numerous occasions that US Bank would not send a duplicate payment to Washington XXXX DC and assured me that US Bank would cancel any pending payments to Washington DC. 

US Bank sent a duplicate payment on my behalf for {$2000.00} to Washington DC out of my escrow account. US Bank assured the payment would be returned to my account by XX/XX/XXXX -- 3 weeks after the US Bank servicing error. On XX/XX/XXXX they are now telling me they are unsure when the payment will be returned. 

I have since closed the loan and US Bank has not returned the money to me or my escrow account. US Bank has a servicing error that has resulted in significant financial harm to me as I am owed over {$2000.00}. US Bank has acknowledged their error, but has not provided a timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I closed my HELOC @ the branch office as per their closing instructions. There appeared to be discrepancies in respect of what I was instructed to pay off the HELOC and what was transpired. I contacted the loan office on XXXX XXXX, 2022 XXXX XXXX and spoke to a rep named XXXX XXXX I do have recording of the call @ my end with her permission ) and I was told that {$190.00} will be credited to my XXXX  but apparently that didn't happen. I contacted Citizens bank, the servicer of my loan and encountered rude and inappropriate behavior and was disconnected as well. It's to mention that those calls were also recorded @ my end. My dogged pursuit didn't resolve the issue and instead received inappropriate and rude communications from the loan servicer employees. XXXX XXXX from Citizens bank left a message for me to call back @ XXXX on the XXXX instant. I tried numerous times from various phones during normal business hours as stipulated in their RI headquarter but was unsuccessful to reach anyone. Whenever I tried the call it didn't ring and after a while it was disconnected. This problem was reported to Citizens Bank in my previous complaint with CFPB and previously they just ignored it all together. At this point, I want the servicer of the loan to pay {$190.00} that was promised by an authorized bank employee. It's to mention recorded calls can't be uploaded in the CFPB site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
They have harrassed me numerous times and violated my consumer rights under 15 USC 1666b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TN

Complaint narrative:
THERE IS ANOTHER FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORTS THAT NEED TO BE REMOVED IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I was contacted by XXXX last year to pay my student loans. I followed the steps and I have been paying {$100.00} a month since XXXX XXXX, 2021. I just logged to my XXXX and there are no records of my payments. I found that none of my payments had been going towards my loan payment but towards someone else. When I try to log into the TrueAccord website with the account number I was given it asks if I am XXXX XXXX XXXX. I am not even able to delete my banking documents or log into the account now. I have been receiving emails each month letting me know I was paying the loan and how much I have left. They have received {$1200.00} from me so far that was supposed to be towards my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: CT

Complaint narrative:
I leased a new Tesla vehicle in XX/XX/XXXX. At the time of the lease I did not sign up for electronic billing or payment, as I wanted ( and still want ) paper bills and to pay by check, and told the sales person that. I received paper bills for a few months, and made payment by check with no problem. During the term of the lease, Tesla unilaterally switched me to online billing without my consent or knowledge, and stopped sending me paper bills. In or about XX/XX/XXXX, Tesla unilaterally notified me that it would no longer accept payments by check, only electronically, which I protested and rejected as a material change in the terms of the lease. I continued to pay by check as I do not wish to give them access to my bank information and for other reasons including tax verification. Tesla then began to claim that some payments were late or show them as " past due '' even though the checks were timely received and negotiated, resulting in purported late fees being incorrectly and unreasonably charged to my account. Tesla also continued to show a prior monthly payment as past due and inflate the balance due on my later online invoices, even though that payment had been received months earlier and was shown on Tesla 's own online payment history. Recently, Tesla acknowledged that they " no longer have a system to process these [ check ] payments on time '' which seems to be resulting in late posting of my payments long after they are received and even after they are deposited and cleared, generating an unreasonable and unwarranted late charge. Payments by check were a customary and acceptable form of payment when I took the lease, and any consumer would have expected that there would be an accurate and efficient system in place to process those payments and post them in timely fashion. Instead Tesla has unilaterally and materially changed the lease terms by not only eliminating that system, but disadvantaging me by manipulating the posting of my payments by check to generate late fees. In addition, I believe they may be forcing electronic payments to obtain data on consumers ' banking information which could either be used for other purposes, or become vulnerable to data breaches. All of this is a " bait and switch '' tactic and an unfair and deceptive practice which disadvantages me as a consumer and I would like the CFPB to investigate the effect on me and other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
Manufacturers and Traders Trust Company XXXX M & T XXXX XXXX, NY XXXX My account was closed in 2021 and I was never informed. I had about {$13000.00} total in my checking and savings account which were never sent to me. I called M & T bank several times to inquire whereabouts of my check and none of the XXXX or supervisors were able to help or locate where the money went. First time I called they assured me that the check has been dispatched and I would receive it in 10 days. That was XXXX22. Check never arrived. I called again a month back and again they assured me that the check would arrive in 10 days. Still no check. I called XXXX2022 and the supervisor ( XXXX, did not provide last name of XXXX number ) I spoke to could not locate any record of the check or even my account and how much funds I had. So far they have been dodging me and transferring me around to new XXXX agents who could not 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 2022-10-04 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I had an account with Venmo. I used it to send money to/from family and friends. I received an email from Venmo stating that my account has been frozen and to submit proper documentation to prove my identity. I submitted the documentation asked of me. Two weeks later I received an email from Venmo that they had permanently XXXX my account. They would not give me a reason as to why. They sent a very generic email stating that I violated their policy, but refuse to tell me which policy I have violated. They are currently holding {$830.00} for 180 days because of this. I have contacted Venmo numerous times and nobody can give me a valid, clear reason as to why my account was permanently deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 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 explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK
State: GA

Complaint narrative:
In XX/XX/XXXX, Cadence Bank merged with Banccorp South to become a new Cadence. This is also the month my homeowner 's policy was set to renew. I renewed with a new company called XXXX. My homeowners policy when I purchased the home in XX/XX/XXXX was XXXX. I had coverage with XXXX until XX/XX/XXXX and then I picked up coverage with XXXX to begin XX/XX/XXXX. The premium for XXXX was paid in XXXX, however, rather than pay the full premium for XXXX, Cadence paid the bill monthly so that I could build up escrow. The last bill that was due to XXXX for coverage provided from XX/XX/XXXX until XX/XX/XXXX was due in XXXX but never paid by Cadence. I kept getting emails and bills in the mail from XXXX about this, as well as threats to be turned over to collections. I informed Cadence of this, had to explain myself about 50 times until they finally said they understood and that it would be paid. The next letter I got was a notice that I had been turned over to collections. I've fought with Cadence for the past 2 weeks to get them to pay this bill, which now has to be paid to the collections agency rather than XXXX or it will keep me in collections. They refused and instead, AGAIN, said they would pay XXXX. That was today. I'm stuck in collections now due to no fault of my own and I've not gotten so much as an opps I'm sorry from Cadence. No one seems to act with any sense of urgency. I'm at my wits end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have reached out to Capital One on multiple occasions explaining that someone fraudulently opened a credit card account in my name I have provided multiple documents via all 3 credit bureaus however each customer service representative that I speak to XXXX never find the account that appears in my credit file. Then someone reaches out and says they cant find the account but they know its mine and it will stay on my credit report, Capital One has been nothing but disgusting and disrespectful! I am a victim of identity theft as it states on all of my credit reports my own family member was the one who stole my identity so of course there may be similarities as far as my mothers home address but that does not dispute the fact that I AM A VICTIM OF IDENTITY THEFT! My next step is preparing for my lawsuit against capital one.

Company response to consumer: Closed with explanation