vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: CO

Complaint narrative:
On XX/XX/23 I called and spoke with XXXX at XXXX I asked to facilitate the process to have the funds deposited into my account the same one making payments.XXXX  stated it would take up to 20-22 business days for them to verify the funds and issue the payment of my funds via direct deposit. Per the contract I signed with Seedfi the my funds would deposited into my account with 2 business days after the funds cleared the account. I did not consent to my account being transferred to XXXX and the customer service is awful. I was told I could not file a complaint with them that I would need to call Seedfi at XXXX to file a complaint. I called Seedfi at XXXX MST XX/XX/23 to file a complaint and was told there is nothing they can do as they do not service the loan anymore. She also informed me that they have received numerous complaints about the customer service received and all they can do about it is document it and feedback to the loan servicer to correct the issue. It should not take a whole to get the funds from my account. I called back XX/XX/23 XXXXMST and spoke with XXXX and he said there is nothing to do as they do not service the account anymore and can not hold XXXX  accountable to the loan processing timeframes they previously adhered as they do not service the account and it is up to XXXX to honor the agreement or whatever processing timeframes they have set forth. I signed the contract with Seedfi I was not given the option to pay my contract in full to avoid it being transferred to XXXX. I did provide consent to this transfer either. At this point with both companies neither wants to take responsibility for not upholding the terms of the agreement I signed. It is unacceptable to make a consumer wait 22 business days to receive the funds when the account was paid in full. Previously when I had the account with Seedfi the funds were released within 2-3 business days after I paid the account in full. XXXX  is not upholding the contractual obligation being the loan servicer. I did not sign any paperwork stating I would adhere to new contractual terms with the assignment of my to a different loan processor.I want my funds without waiting this ridiculous 22 business day which is no where in the contract I signed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank reduces credit limit from {$8500.00} to {$0.00} over the existing balance of about {$1400.00} on an account ending in XXXX. When I called XX/XX/2023, the three customer service representative took 15 minutes to verify who I was. Then told me I had to call XXXX for the reason why credit limit was reduced. Citbank runs this card under the Costco Anywhere Visa.

The only email notification of a change on my account was an email. This email didn't provide details, and the link was broken. Meaning I received a notice, but the notice didn't provide any reason why the credit limit was reduced.

In the banking industry this is called fee farming. Because if the account goes over the limit I'll get a fee, plus they can increase the interest rate. This is an unethical practice. Citibank didn't provide details to the customer service to respond to my inquiry. They pushed me off to someone else. 

My claim is that this is a programmatic model that maximizes fees and interest charged. Good payment performance with this bank is being overlooked.

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 2023-02-21 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: Bread Financial Holdings, Inc.

Complaint narrative:
XX/XX/XXXX my wife was on line using XXXX to transfer money from one account to another and had difficulty. she talked with a XXXX XXXX XXXX rep and eventually had her cancel the transaction. the rep was slow and put me on hold for extended periods of time. ( my wife filed a complaint about the rep and talked with someone on the phone from that bank on XX/XX/XXXX ). 

XX/XX/XXXX I received an alert from XXXX that a new credit card was set up in my name on XX/XX/XXXX. my wife researched this and canceled the card on XX/XX/XXXX. it was a Victoria secret card with comenity bank. 

XX/XX/XXXX. my wife called comenity and canceled the card after explaining everything to the phone rep and they were marking it as fraudulent and said they would be doing an investigation and would send me info. 

XX/XX/XXXX my wife froze all three credit approving agencies in my name. 

XX/XX/XXXX we received over {$570.00} in VS thong underwear. my wife called VS LOCALLY and was referred to their fraud dept. The person that ordered the items. called and had the mailing address changed to send items to an out of state address, XX/XX/XXXX wife called Comenity Bank and the card is closed and marked fraud as of XX/XX/XXXX, the rep could not see where any second order was placed. if change made on or after XX/XX/XXXX it should not ship since card was closed and marked fraud. 

I have been instructed to take items to local VS for credit and get a receipt, I have filed with XXXX XXXX, NC XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: LA

Complaint narrative:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, they can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible they should not report any claims that you know or should know are not in compliance with regulations and the law. If they do report such claims, they could be subject to fines or other penalties. Furthermore, reporting claims that they know are not in compliance could damage the reputation of they company. I am writing to inform them that they need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I have given you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize they to take whatever steps are necessary to correct my credit.

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 2023-02-21 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XX/XX/XXXX Banana Republic stopped using XXXX XXXX to process payments and switched to Barclays. On XX/XX/XXXX I mistakenly sent by payment to XXXX. The payment was made out to Banana Republic and had the new ( Barclays ) credit card number but they cashed it anyway instead of returning it. Barclays emailed me on XX/XX/XXXX saying they didn't receive a payment. I called and paid by phone. After trying 4 phone numbers and an on-line chat I could not contact anyone at XXXX. I contacted the PA Attorney General and they contacted XXXX. XXXX XXXX ( XXXX ) contacted me that they sent the money to Barclays. I contacted Barclays on XX/XX/XXXX, XX/XX/XXXX, XXXX ( Twice ), XX/XX/XXXX trying to resolve the issue. XXXX XXXX also contacted Barclays numerous times providing them information about the payment they sent. During the chat on XX/XX/XXXX I told Barclays I was going to contact a federal agency to resolve the issue. The next day my account was credited the {$430.00} payment along with the {$30.00} late fee. I just received a letter on XX/XX/XXXX ( dated XX/XX/XXXX ) from Barclays saying they are reviewing my dispute. I contacted Barclays on XX/XX/XXXX and confirmed they haven't located the payment that XXXX made the week of XX/XX/XXXX - XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
While my funds ( XXXX php ) are on hold, Paypal decided to permanently ban my account on XX/XX/2023 because of allegedly selling of XXXX oriented materials or services, which I didn't and I never did my entire life. I am selling my graphic designs, logos, for clients to post on their social media pages and it's so far from their accusations. 
I called them multiple times to resolve this issue, I even spoke with the supervisor but they kept on insisting that there's nothing they can do about it. 
They really made a mistake for banning my account, aside from that, they hold my money that is not supposed to be hold anymore. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX/XXXX/22 I took a a cashiers ck in the amt of {$3800.00} to a Sams club to pay off my Sams credit card account. The payment was posted by Synchrony Financial who manages the Sams credit cards and a week later it was reversed. They said it was returned by the bank in which had issued it. I got confirmation from the bank that it was not been returned. When I called, they asked that I take it back to any Sams Club store and have it resubmitted. I then took the cashiers ck to another store on XX/XX//22, they said I had to take it through the cashier and they would process it. It was again posted to my account and a week later it was again reversed and my account was closed due to having 2 payments returned. I contacted the bank again to see if the cashiers ck had cleared and it had so I sent a dispute to Synchrony showing that I had made the payments and it was corrected but they would not reopen my account. 

I also have a CareCredit card that is also managed by Synchrony and because they show 2 payments returned on my Sams card, Synchrony also closed my Carecredit card and both are reported as closed by creditor on my credit report which I consider as derogatory comments. It will affect my credit score for something that was not my fault. Both cards were paid off with cashiers checks and both are managed by Synchrony Financial. I disputed the closing of my CareCredit card and they stated that the Sams store reversed my payment both times that I took it up there. If that was the case, why would they then reverse the return and post it to my account? They told me I had to contact the store to find out why it was initially reversed on both occasions. I have called multiple times and spoke to the frontend managers at the store located in XXXX XXXX, Texas. I was told that I would get an email or a call from the accounting dept to try and see what happened but no one has called. I called and asked to speak to the store manager and they refused to let me speak with him.

I have had my CareCredit card for a very long time, they will not reopen it unless I can prove that the payments on my Sams card were reversed in error by Sams Club. I can not get anyone to tell me why a cashiers check was reversed or anyone to help me with the issue.

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 2023-02-21 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: CORELOGIC INC
State: LA

Complaint narrative:
THIS agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXXXXXX XXXX., XXXX,, LA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Anonymous " American Express Serve Card '' agent personnel located oitside of XXXX XXXX have been embezzling from my checkimg account for over a year now. The most recent vanishing funds transaction took place yesterday on XX/XX/2023. {$500.00} XXXX XXXX transfer to my XXXX was initiated by me XX/XX/2023. The transaction was pending, then now it is completely unaccounted for, & the funds was not returned & reflected on my available balance. Account has a limit of $ XXXX a month. Prior sums monies have been embezzled when they put my account into negative & froze my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX pymt mailed by bank deliver date XX/XX/XXXX Posted by company XX/XX/XXXX {$30.00}. late fee charged XX/XX/XXXX {$30.00} past due {$30.00} late fee charged XX/XX/XXXX Called {$30.00} refunded XX/XX/XXXX {$30.00} late fee charged called again could not give another credit XX/XX/XXXX Called again. Agent took paymt of {$230.00}, stated pymt would not go thru. She was very nice and did state she would credit {$30.00}. Took pymt of {$200.00}. Immediately check my bank account and both pymts were taken out of my account. Immediately called Comenity back. Was told they could not find the {$230.00} pymt, only {$200.00}. I got no where. 
Disputed with bank the {$230.00} which was returned to my account. Suddenly, Comenity found {$230.00}. Charged me {$30.00} for returned check fee. 
XX/XX/XXXX paid bank delivered XX/XX/XXXX which was due XX/XX/XXXX XX/XX/XXXX charging me {$34.00} late fee. 
I have paid this bill before the due date everytime. Seems as tho they hold on to payment until after due date so they can charge you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to a charge off account with XXXXXXXX XXXX XXXXXXXX, account number XXXX. I am disputing the information that has been reported on my credit report and would like to request an investigation into this matter. 

According to my credit report, this account has been charged off, however, I have reason to believe that this information is incorrect. I have never received any notifications from XXXXXXXX XXXX XXXX regarding this account, and I have not received any statements or invoices. I also have no recollection of any transactions or payments made towards this account. 

Furthermore, there are discrepancies in the reported addresses associated with this account. The previous addresses listed on my credit report are incorrect and do not belong to me. I have never lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX or any of the other addresses listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage loan was transferred to Newrez in late XXXX. I was informed that my automatic payment authorization would transfer, I didn't expect this to be accurate so I manually made a payment in XX/XX/XXXX. I enrolled on their site in autopay and had hoped that this would work. However, Newrez refuses to draft my monthly mortgage payment, and instead calls me after the grace period and after additional interest is accrued on my loan. They further refuse to apply my payment retroactively. Going forward I wont trust their auto pay and will verify my payment is made, but I ask that Newrez apply my XXXX and XX/XX/XXXX mortgage payment retroactively to the XXXX of the respective month. This is clear UDAAP practices given my inability to avoid the harm they are creating. 

I last spoke with XXXX XXXX who confirmed that there was a temporary autopay hold on my account that was supposed to have been removed on XXXX, but was not that prevented my XX/XX/XXXX payment from being drafted on XXXX and that there was a technical issues that prevented my XXXX payment from being collected. I was never contacted about the technical issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As Citi bank advertises, a new customer opens a checking account, and deposit XXXX within 20 days, the customer will receive a {$500.00} bonus after 80 days. If I apply for new Citi credit card with my checking account on the same day, I will receive extra XXXX XXXX bonus. I opened a checking account and deposit a check of XXXX to my new checking account and applied for my new citi credit card on XXXX, XXXX, XXXX. I should receive my bonus in XXXX, XXXX however I havent. The banker told me the {$600.00} bonus will deposit to my account automatically. I went to the local citi bank to ask about my bonus in XXXX, XXXX, why I havent received my bonus on time. The banker keeps telling me they dont know. They can do nothing about my case. The only way for me is waiting. I did everything to meet the bank requirements, and can not receive my bonus. With the high rates now, I am losing money with Citibank! They keep threw the ball to me, I dont get any help from 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 explanation