vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: WY

Complaint narrative:
I requested to have the escrow for taxes ( the only escrowed item ) removed from my account in XXXX, XXXX. I received the attached letter stating my request was not approved due to the original appraised value and my current LTV not being 80 % or less. Which is blatantly false. The original appraised value of my home at time of purchase was {>= $1,000,000}, making my current loan balance of {$890000.00} an LTV of 72.5 %. Fairway originated my mortgage so they have the original appraisal on file. The current appraised value ( valuation completed by Fairway to remove PMI ) is {>= $1,000,000}, bringing the current LTV to 71 %. I emailed Fairway about this to dispute the validity of the reason for requiring escrow and have to-date never received a reply. I have called twice, most recently on XX/XX/XXXX, and was told both times it is not possible to speak to a person in their escrow department who handles these requests and that my only option is to communicate via email. I emailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To-date, I have not received a response or a valid explanation as to why escrow for taxes is required. 

Where I live, the taxes will go up every year so the escrow account will ALWAYS have a shortage and be in arrears. The current taxes are almost $ XXXX and there is no reason why I should be forced to spread this amount out monthly to pay into an account that I earn no interest on when I can better manage my money myself, and should I decide to do my own escrow I can earn almost 4 % return in a high yield savings account. Additionally, the approximately {$500.00} extra per month required for this escrow reports on my credit report and affects my t

otal DTI, which affects my ability to apply for other financing, etc. I do not want or need escrow for taxes. I do not escrow insurance or the HOA payment. There is no reason that I can see under federal or Wyoming law that Fairway can require this escrow account given my perfect payment history and low LTV.
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am making a dispute against WELLS FARGO CARD SERVICES in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible

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 2023-02-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
Bank of Albuquerque is the worst bank possible they have lost {$21000.00} of my hard earned money and they can not find it. I have contacted the branch I always visit in XXXX XXXX, NM and I have contacted the XXXX XXXX  no one cares and no one has done anything to try to help me find my money. XXXX is the Branch Manager of XXXX XXXX and of XXXX XXXX and is completely incompetant and can not handle these situations, and I have to suffer with missing money because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: GA

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

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I never owed money to XXXX, Amsher Collection Services tired to collect almost a year ago, I demanded proof of debt XX/XX/XXXX, they never provided it. Now on XX/XX/XXXX they sent another collection for the same amount. I never owed the money and they never provided proof of debt and certainly not in the 30 days. I believe they're violating the law by attempting to collect again especially since I still do not owe XXXX money and never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I received a collections notification from Transworld Inc saying that I owed {$8700.00} from my previous landlord. I moved out and did not owe that egregious amount. They never verified the amount that the landlord said I owed and just posted it in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XXXX/XXXX/XXXX my wallet was stolen from my locker while I was working out at the gym. The thief took my wallet to the XXXX down the street and charged all of my cards in my wallet several times for a total of {$100.00} for each transaction. He charged each credit card twice and each debit card once. I have no idea how he ran my debit cards as he clearly would not have my pin number, unless he ran it as credit and then fraudulently signed for it. He then went down XXXXhe street a little bit more and attempted to use my last debit card at a smoke shop multiple times for a transaction totaling {$40.00}. However, by this time I had realized my wallet was stolen and I locked my cards on the app. I also had an airtag in my wallet, so I knew the location of the thief. I called XXXX so that the police could come and arrest the person I suspected for stealing my wallet. When the police arrived, they informed me that they could go look around for my wallet but couldn't arrest or ask anyone for the wallet based on an airtag location alone, especially since the suspect was hanging out with a group of people. The police couldn't really do anything unless they had better probable cause for one person. So I was left to report all of my cards as stolen, get a new airtag, new wallet, new drivers license, new transit card, new everything. I reported the cards as stolen within one business day of the theft. When I reported these transactions as fraud, all of my banks investigated it and informed me that according to their investigation, the transactions were in fact fraudulent. They they covered the cost of the false charges. Out of all of my banks, however, TD bank was the only one to say this transaction at XXXX was not fake on the grounds that " the card was not used again after this transaction ''. When I called to dispute their investigation, I asked them if they had any documents or anything showing that they did their due diligence in investigating the issue. They were unable to provide any evidence that they did in fact investigate my claim. I reopened the fraud claim and a few weeks later they denied it again stating that I " benefited from the transaction ''. I find it curious that just one of the banks I use found my fraud claim to be untruthful. I am submitting the evidence that I have as part of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: HI

Complaint narrative:
I have received a phone call and one letter from a debt collector called Cedars Business Services, claiming I owe money to XXXX XXXXXXXX XXXX ( XXXX ). I have been a patient there, but have not received a bill from them for the amount being collected, and have verified with XXXX 's billing office by phone ( XXXX ) that there are no outstanding charges under my name and birthdate and mailing or physical addresses. I therefore believe this is a case of fraud. 

The debt collector claims to have received the account information from XXXX in XX/XX/XXXX, but I did not receive a letter from them until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hello I contacted Best Buy credit card ( citi bank ) because of interest fees on my account. When I first opened my credit card with them I was told I wont get charged interest fee if I make my minimum payments each month. And unexpectedly Im getting charged interest. Misinformation was provided to me and company should be hold accountable. Also theres a recorded conversation between me and the representative

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 2023-02-27 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: TX

Complaint narrative:
I have written letters to XXXX, XXXX, and Transunion to delete this account that is older than 7 years on my credit report. They have been ignoring my requests. So I sent a letter directly to XXXX XXXX, pretty much asking them to stop reporting an account that is older than XXXX XXXX XXXX because that is against the law. Instead of deleting it, they sent me a contract as their " proof '' of reporting. But what good is providing proof of a contract when the contract clearly says XXXX on the header of the paperwork ( attached ). It is XXXX! Also, XXXX is not reporting because they are aware that it is past the 7 years statute for reporting time. Delete the account with XXXX XXXX ( Account # 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 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for a balance transfer with Citibank XXXX in XXXX. I was given a {$9000.00} limit. Went through the online process to have my balance transferred to a XXXX credit card. When Citibank showed that the balance transfer went through and my XXXX card did not receive the payment I realized that it was sent to the wrong account. Now I will say this is my fault- I inputted one number twice for my credit card and the money was sent to XXXX. I have spent over 10 phone calls and countless hours trying to get my money back.

Citibank credit card customer service has been nothing short of horrible. 

On XX/XX/XXXX my initial phone call to Citibank I was told it would be fixed in 24 hours. 

On XX/XX/XXXX I called because it was not fixed and they told me that they would need 7-10 days from XX/XX/XXXX to start an investigation. ( I had a long conversation about business or calendar days and was not able to get a straight answer. ) On XXXX XXXX, 10 days from my first call, I was told that nothing was put in the system on the 4th and my initial complaint was inputted on XX/XX/XXXX. I was told they would need 14 days from XX/XX/XXXX and it should be fixed by XX/XX/XXXX. Someone from Citibank would call for the correct card number and to get everything fixed. 

On XX/XX/XXXX I called because I had not been contacted and the money was still showing at XXXX. Multiple service agent later I was told they had sent an email on XX/XX/XXXX saying the ball was in my court. ( I had no such email, but one did appear in my inbox 10 minutes later. ) That email said I had to call XXXX with a XXXX ID number to get my money back. I called XXXX but they said department was closed and to call back on a weekday. 

On XX/XX/XXXX I called XXXX and was told that I could not initiate the fix. That only Citibank could fix the problem. 

After multiple calls with Citibank I finally spoke to someone who put me on hold, called XXXX and came back and told me that I had to write a letter to XXXX to get my {$8500.00} back. She also told me SHE WAS THE FIRST PERSON TO CONTACT XXXX. I had been told multiple times that an investigation was being done which is why I had to keep waiting so it was very frustrating hearing 24 days into my initial complaint that this was the first step taken. In the meantime I have had to pay interest on the credit card I was attempting to use the balance transfer for. 

And then in the process of her actually being the first person to help me, 1 hour and 14 minutes into this call, the line cut off. I had not gotten the mailing address for 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 monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I received several emails from PenFed exhorting me to join their credit union ( I was a member when I was stationed in XXXX, XXXX and XXXX, XXXX ). 

They sent me a request for color copies of ( quote ) : 1. Social Security Card, current tax year W-2, or signed current year tax return showing SSN.

2. Current, non-expired U.S. Government-issued ID, such as driver 's license or passport.

3. Driver 's license, utility bill dated within the past 30 days, or current vehicle registration.

I uploaded color copies of my Social Security Card, XXXX XXXX XXXX retired ID card, and my Virginia driver 's license. 

They rejected me out of hand for not having a government-issued ID card. The United States XXXX XXXX has been a US government entity since XXXX XXXX  XXXX, and I served in that department for 20 years. 

Either they mistated their needs or chose to ignore

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 2023-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: FL

Complaint narrative:
As of XX/XX/2023 I am in discussion by e-mail with Seedfi. about closing an account that I have with them. They are telling me that when they close my account it could negatively effect my credit rating. I never borrowed money from them, they are holding my money in what I thought was a savings account linked to my XXXX debit account- but it's actually some type locked savings account, for the purpose of building credit. The account was too easy to set up via cell phone, and gave the appearance that it was just another XXXX account - a savings account to be exact. I've figured out over the last few months that its not a part of XXXX and the funds are not accessible. I want my money returned with no penalty. But I'm being told that my credit report could be impacted negatively, as if a threat to keep me from closing my account. They have no control over this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is a follow up to my original complaint in regards to my account ending in XXXX. I wanted to send information over in support of my complaint about the payment issue I faced in XX/XX/. As I mentioned in the first report, I made my payment online as I always do. It was not 30 days late. My payment was ultimately the incorrect amount. However, being that we want to keep this factual, the amount was what was presented to me on the mobile site for that account. And that is the amount that I paid. In fact, over the year, I have had to ignore the mobile site each month as I pay those payments because it still gives the incorrect payment due.

Company response to consumer: Closed with explanation