vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: GA

Complaint narrative:
very dissatisfied with how the bank handled unauthorized charges. They claim to issue provisional credit and then place provision on the provisional while they 'investigate ' as though the guilty party will admit to price gouging. They act as though they are throwing crumbs and you better be happy or else when the misappropriation is not due to negligence or offsite forcing me into overdraft despite a history record of not going over on purchases made. in short, with no prior deception, I can not be trusted to tell the truth while the merchant is operating with impunity. One such case is withholding to investigate a charge made when more than XXXX miles away with purchases done the same day to prove it. What more evidence is there to have than hard facts? My XXXX status did nothing because they were told ALL is XXXX benefits and protected for well over an hour no amount of reason made me whole. It's just another way of making money like the wait for clearance of checks. It's reckless with the record rise of inflation resulting from the pandemic. Merchants pull cons like overcharging before, during and after yet given the benefit of doubt while the victim gets XXXX XXXX XXXX, every XXXX matters. I can't work overtime like regular people and I'm tired of the bias that banks often engage in like it's their money taken, not yours. Unacceptable conduct through no fault of my own is demeaning and counter-productive if the only beneficiary is the offender themselves. Interestingly, it is also why unscrupulous businesses do the act in the first place. Or the 'who would they believe " rhetorical question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
An high value item was purchased with credit loan but arrived DOA, and when the item was denied for return due to XXXX policy on 30 day limit, despite XXXX was aware that I filed a dispute within this 30 day limit and was trying my best effort to either ship item back or have seller repair for damages. 

XXXX insists that I should have clicked " return the item '' even though at time of dispute I had no intention of returning item and wanted to keep item and get partial refund or get spare parts, which is misrepresentative and should not be labled as " return the item ''. 

I DO NOT HAVE INTENTION FOR PAYING FULL RETAIL AMOUNT ON A DEFECTIVE ON ARRIVAL ITEM, AND BOTH PARTIES FAILED TO RESOLVE ISSUE ( Upgrade.inc and XXXXinc )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
In XX/XX/2022, I was issued a XXXX Rewards VISA credit card by the First National Bank of Omaha ( FNBO ) with a credit limit of {$7500.00}. I received a letter from the FNBO dated XX/XX/2022 ( attached ) informing me that their credit department had suddenly lowered my credit limit to {$2000.00}, a {$5500.00} decrease. My account is current and in good standing, and in the letter there are four criteria listed as the basis of this adverse action, all of which except for one are in error. I called the number listed in the letter supposedly for the credit department ( XXXX ) to discuss their decision, but I was instead routed to the main customer service line. There, I spoke with " XXXX '' and was told that I could not speak to the credit department to present my case. In particular, " XXXX '' was very obstinate, and she also refused to transfer me to another individual at a higher level. Finally, she refused to provide me with the name and address of the FNBO president so I could write a letter to bring this situation to his/her attention. This action by FNBO severely impacted my credit standing, immediately dropping my FICO score from XXXX ( good ) as of last week to XXXX as of today. When I pointed this out to XXXX, she admitted that the bank is aware that a customer 's credit score " may be slightly affected. '' In summary, FNBO 's business practices are unfair to their good faith customers who have no recourse when, through no fault of their own, they are subjected to these arbitrary and punitive credit decisions.

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 2022-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
I called EdFinancial on XXXX 2022 and asked that all payments made during the Covid pause be refunded to my account. The representative told me it would be 21 days to process the refund. I asked for a confirmation number, or email to track the status, she stated it couldnt be provided to me. She stated I would have to call periodically to check on the status. I called again on XXXX 2022 and the representative informed me it would be a minimum of 150 days to refund the money I paid when student loans were in Covid forbearance. She stated she couldnt provide me with a confirmation email, and didnt know if the refund would be sent back to me by mail or through direct deposit. Per the CARES Act, I can request a refund of money I paid during a period when I wasnt obligated to pay it. The timeline of this refund is unsubstantiated, as well as the confirmation of the refund application itself. EdFinanciaXXXX has had several reports of similar cases with other students, wherein the tracking of their refunds is impossible. Other financial lenders are reporting 4-6 weeks of return processing, yet EdFinancial is the only lender whose processing time is 5 months at minimum. Id like the money returned in a timely manner and an update of the refund processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express is unlawfully retaining past personal and financial information on me on accounts of more than 20 years ago that were included in bankruptcy. These accounts were closed more than 20 years ago. What is the lawful purpose that American Express still has information on me in their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was involved in a XXXX accident on XX/XX/XXXX. This resulted in XXXX XXXX issuing a total loss payment in the amount of {$24000.00}. I have no complaint with XXXX XXXX. I received that payment and deposited it with US Bank on XX/XX/XXXX. On that date, I was provided a " Notice Of [ sic ] Hold '' document stating that {$24000.00} of that amount would be available on XX/XX/XXXX. I attempted to get a cashier 's check this morning ( XX/XX/XXXX ) and they declined, saying that the funds were on hold. They then provided me with another " Notice Of Hold '' document stating that the amount of deposit was {$24000.00} of which {$5300.00} would be available on XX/XX/XXXX, and the remaining balance of {$19000.00} would be available on XX/XX/XXXX. I did not make a deposit today ( XX/XX/XXXX ) for the amount of {$24000.00}. The new notice of hold is for 16 business days after the original deposit. 

Based on the original " Notice Of Hold '' I made financial plans to purchase a new vehicle today, XX/XX/XXXX. If I had written a personal check instead of seeking a cashier 's check, I would have bounced a {$24000.00} check which would have had severe consequences for me, especially considering it would have occurred on a down payment for a substantial loan. In addition, I had made vacation plans to visit people in other states that I will now need to cancel due to the fact that I am not able to purchase the vehicle today. This is all based on the XX/XX/XXXX original " Notice Of Hold ''. 

I attempted to speak with the branch twice and US Bank customer service on multiple occasions this morning and I was told that the teller was new and made a mistake. They apologized, but did nothing else after repeated attempts. They apology echoes hollow without any effort on the bank 's behalf to resolve the impact their errors have had on me and will have over the course of the next few weeks.

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 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My dispute is with Wells Fargo Bank. My claim # with them is XXXX. I was out of the country from XXXX. When I landed, I saw some fraudulent transactions made on XX/XX/XXXX. One for {$46.00}, one for {$20.00} and one for {$870.00} ( which when it posted a couple of days later was split into two transactions of {$430.00} ). I let Wells Fargo know that I was out of the country, yet they failed to flag these big transactions as fraud. Yet, while I was abroad I almost got stuck in an airport because they flagged a much smaller transaction as fraud even though I told them I was traveling. I had to pay international calling fees to call WF Bank in order to remove the hold. 

As soon as I saw the fraud when we landed, I called to report it. However, WF noticed that the {$20.00} charge was recurring and that it started back in XX/XX/XXXX. They started the inquiry from XXXX but failed to let me know about the 60 day rule. So they refuse to refund the almost {$900.00} because of XXXX {$20.00} charge back in XXXX for a rule that I was never aware of. 

They told me that the Reg E rule is in all the disclosures when I open up accounts however, I keep finding that the Reg E wasn't a thing until XXXX and I've had my accounts open since I was XXXX XXXX XXXX ( XXXX ). 

I also found out the the charges of {$430.00} were made through XXXX online and the people did not use my name when entering the card info. It should have never gone through if the name they used didn't match the name on the card. These transactions should have immediately been flagged because of using the incorrect name and also for the fact that Wells Fargo was aware that I was in XXXX when these transactions occurred. I also should have been made aware of the 60 day liability rule.

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 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
This is in response to complaint number XXXX and in responding to XXXX XXXX XXXX The notion that I gave Wise an incorrect swift is wrong. The swift I provided to Wise is the correct and valid swift for the recipient account. The intermediary and partner bank that was used on this transaction are totally from wise and I had nothing to do with it. To clarify, on the MT103 given to me, Wise sent the money to XXXX XXXX and XXXX XXXX sent the funds to a XXXX XXXX  in XXXX. This information is based on there MT 103. Wise can not claim I used a wrong swift. What I have told them is that on giving the MT103 to my recipient bank. They told me the Intermediary bank used by by wise isnt a bank they use at all ( XXXX ) so there is no way the money would come to them. This I explained to wise before I made a recall. The recall is more than 15 stipulated day they have committed to and yet I am still waiting to receive this funds. I am personally not interested in what Wise has to offer. I maintain that the money never got to my recipient bank and I even did a screen shot of the bank account of the recipient and sent it to them to see, which again was never addressed in their response to me .All I have requested is to get back my funds to save me all this headache

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My Equifax report shows medical bills under XXXX that have been settled as collections. I was able to get them taken off of XXXX  and XXXX without any problems. There are also account that has missed payments dating back to 2011. I have disputed all of these issues twice with same results. It is also showing My last missed payment was a month ago and it has been 11 months since my last missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
This credit card was set up while I was working with the furniture store that sold the policies on behalf of the company so I am very familiar with how they were marketed. This was to be a 6 month- no interest payments that were to be in addition to another plan for no interest over 3 years. Both were marketed as " make the minimum required payment that we set up and it will be written off after X months ''. I have now made payments for over 5 years with XXXX 's charged in interest and a balance of XXXX on my account. While disputing this, I have been charged multiple late fees and had a late payment reported on my credit. I want my money and the report fixed. 

XXXX XXXX called filed complaint regarding excessive interest being charged on account after making required payments. Told they would reach out if they had any questions but to wait up to 3 business days. 

XXXX XXXX called and was told complaint wasn't filed because my address needed updated. I updated address and again filed complaint regarding excessive interest being charged on account after making required payments. Told they would reach out if they had any questions but to wait up to 3 business days. 

XXXX XXXX called and escalated up to highest level and was promised call back. No call back was received as of XX/XX/XXXX. Multiple representatives now claim that the interest was valid because the minimum payments made only applied to one of the credits at a time so the payments over the last 2 years were all interest built up while making payments for the first 3 years on the other credit. 
I advised I would be filing complaint and suit.

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 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Like most Americans I was effected by the pandemic with a decrease in income. I applied to my mortgage company requesting a modification. I was denied a modification due to the calculations raising my payment. My lender then put my past due from the forbearance into a deferral and I was due for a payment XX/XX/2022. My lender did not advise me of this. I did not receive any telephone calls or written correspondence from my lender. I never agreed to any plan, my lender did not get my permission. I now am 3 months behind due to not being made aware that payments were resuming. When I contacted my lender I was told that I could begin a repayment plan for 3-6 months. I was on a forbearance for 18 months, this will dramatically raise my payment beyond what is affordable. I was told to reinstate, I was going through a COVID hardship and do not have that much money saved up. I was told I could engage in a short sale or deed in lieu. I do not want to lose my home. I feel like my lender used the pandemic to put me in a horrible position. I now have to reinstate or agree to pay my loan plus my past due of 3 months for the next 3-6 months. I do not feel my lender has helped me at all. I have included the letters that have been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My old mortgage company Wells Fargo attempted a foreclosure on us, however we changed Mortgage Companies several months prior to them actually processing the foreclosure. Wells Fargo was paid off in full by the new mortgage company, however my credit report shows " Foreclosure '' under Wells Fargo, and it is false and prohibiting me from purchasing a new home. Wells Fargo has been contacted several times regarding this error, and so far, I have been ignored. Please 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 2022-09-02 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: Credit Karma, LLC
State: AZ

Complaint narrative:
This company has repeatedly sold my information and falsely preapproved me for credit cards in which i cold not actully obtain. My credit score has been severely affected by credit karma through unauthorized inquiries, and getting me to repeatedly click falselly advertised pre approved offers. From XX/XX/XXXX up until now, XX/XX/XXXX, I keep receiving pre approval offers and harassing, unsolicited marketing. The only place I feel comfortable inputting my information online is credit karma, and i know for a fact its been selling my information to affiliates, as I have showed no interest, nor provided my sensitive info to its affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2022 at XXXX XXXX Eastern, I received a series of emails stating that an application was in progress, approved and welcoming me to an online and mobile banking account with Bank of America. I did not apply for such an account. 

That morning at XXXX XXXX I went in person to a local Bank of America branch ( XXXX, MD ). I was informed that an account had been opened using my correct name, birthdate, SSN, and an address that I had ten years ago. No funds were in the account or appear to have moved from my real bank accounts. I was put in contact with the Bank of America fraud department and the account was closed. 

I have contacted XXXX and placed a security freeze on my account. I also checked my credit report and do not see any fraudulent activity at this time.

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 2022-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
On or about XX/XX/2022 I received a letter from XXXX XXXX, XXXX XXXX XXXX, advising me of a car that I was supposedly co-signed for. For a whole month I tried calling them to get the information about this car, however still no one called me back. I then called and spoke with the receptionist who allowed me to speak to a lady by the name of XXXX XXXX. I explained to XXXX that I never co-signed for no one, she said that they had my signature. XXXX said that she was not the one who was handling the case and that she would have that person call me. As of today, XX/XX/2022 I have yet to hear from that person. However on XX/XX/2022 I received a copy of the contract in the mail, and as I said I did not sign anything, the signature is not mine. I then called the bank, New City Funding, who told me the same thing it is my signature. I told them that it is not my signature and they said it is a civil matter and I needed to take it up civil court. In the past I did buy 2 cars thru them and paid them both off I asked them to look at the signature on those two loans. I asked them to send me a copy of those contracts and I guarantee them the signature is not the same. The signature on this loan, # XXXX is absolutely positively not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I got a call that seemed like a scam. Caller asked for someone and I denied being that person because I am no longer married and had my name restored to my maiden name. In the final document it recorded as " Now Known As '' not " Also Known As '' so I told the caller the truth. But I thought it best to follow up and look at my credit rating. This hard inquiry cost me a point on my score and I request it be restored and the hard inquiry cleared. 
I called XXXX, finally got a human being on the phone. I relayed my problem and I was told to begin a complaint with your organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I can not get information on who owns my student loans. I have not paid on them since XXXX when I became ill and dropped out of school, and yet I still get notices from NelNet. Throughout the years I have had them deferred. I have been very ill and in XXXX came down with XXXX that I am still dealing with the after effects. 

My student loans should have stopped in XXXX. 

I do not know who owns them or how to get that information. 

I need to have the student loans removed from my credit report.

Company response to consumer: Closed with explanation