vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My account was closed on XX/XX/XXXX of 2023. I had a {$0.00} balance. It was gone from my view in my app after 5 business days just like the bank told me it would be. I deleted the app and that was that. Apparently, On XX/XX/XXXX there were numerous debits. This caused the account to be reopened per the bank and made the account overdrawn {$690.00}. They also charged a {$25.00} overdraft fee in XXXX and XXXX. I had no idea about any of this until I received a notice from XXXX that they were refunding a deposit I made from last XX/XX/year> because they had to cancel a booking I made. They advised that the refund was going back to my bank account that I had at the time which was this citizens account. I called citizens to inquire about how they handle the refund since my account was closed and they advised that they were not returning the funds because they were applying it to the negative charge that occurred after the account was closed. The amount of the refund from XXXX was {$400.00}. 
This account had been closed for almost 2 full months before these debits occurred. How can the reopen the account after that long. And now they are keeping my refund from my XXXX deposit to pay?? This is insane

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
didn't receive notification for the below account. Send me the certified mail showing receipt of any notification. RESURGENT/LVNV FUNDING Account number XXXX. 



I don't stay or live at the addresses you allegedly sent notification to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/XXXX, I had a credit card charge ( Bank of America- BOA ) show up on my account for {$1600.00} from XXXX XXXX XXXX . Within 48 hours, I noticed the charge and checked with my husband to make sure he didn't make a charge that large. It is rare for us to spend that much. Neither of us made the charge and we've never purchased anything from that company and we still have no idea how they got my information to make that charge. We are also not having any work done on our house or even contemplating it. I called the bank right away. They cancelled that card and issued another and opened a fraud claim. On XX/XX/XXXX, BOA denied the claim and put the charge back on my account for me to pay. In XXXX, my husband and I both called. We got them to send us the documentation that XXXX XXXX XXXX sent that supposedly verified that I made the purchase ( I did not ), and we had BOA reopen the case for review, because we disagreed with their decision. We received the documentation. It was an invoice with my name on it, but it was invoice # XXXX and it said the pdf was created after the charge. It seems very unlikely that a real invoice would the first one a construction company had ever issued. It also said they had the credit card on file, but we've never done business with this company. On XX/XX/XXXX, BOA denied our claim again.

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 2024-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: E MORTGAGE MANAGEMENT, LLC
State: NJ

Complaint narrative:
I refinanced my mortgage in XXXX, I was instructed to issue a cashier 's check to escrow my taxes with a well known title agent I knew from my hometown who fabricated false documents including a false affidavit stating that I was born in XXXX while signing another man 's name ( XXXX XXXX ) After I showed and proved all documentation of how fraud was committed on my behalf they all closed down XXXX title companies and all XXXX funding locations to avoid me because they could not be as successful like I was here in NJ until they ruined this causing me to forfeit my retirement home and became XXXX after being told by XXXX XXXX XXXX and then nailed the same individual trying to scam XXXX XXXX customers ...... Justice is coming!! The CFPB recently sued the company where my loan got transferred to with multiple errors including XXXX different closing cost and a shared DECEASED Identity with a similar name as mine but spelled with a U ... ..They hire a title agent to conduct this fraud activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Borrowed money from one main and realized they have deceptive loan practices by adding in unknown/optional products.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
By far, Bank of America is the worst bank ever. I deposited four checks on XX/XX/XXXX into my business account in time for them to clear on time for payroll and purchases, only to find out that Bank of America placed 10-day holds on every single check I deposited. Four different customers and four holds. Needless to say, their actions have caused undue hardship for my business and employees. When I contacted the bank, the clueless rep repeatedly said that the holds were placed to protect me since they had reason to believe the checks would not be honored. Really? Three of the checks were from repeat customerstotal XXXX XXXXXXXX. I will take my business elsewhere as soon as my funds are available.

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 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one Bank application close it before I have option to pay monthly or weekly. If he does not charge me on time this mean he have a problem in him program and they keep asking about with all amount or is going to take the car, and when I call dont give me an option. And they keep sending emails to me. Im gon na take the car anytime. Capital one start a problem and When I call nobody help and they say I dont have no option Account number ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Though I have disputed before and it was removed before. They are allowing a different collection agency re-add incorrect information to my credit report. It says that I owe XXXX for an account that I had with XXXX XXXX XXXX. When I XXXX, I paid all fees and I received my diploma. I even have my account to show that I left the school with a {$0.00} balance.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Though I have disputed before and it was removed before. They are allowing a different collection agency re-add incorrect information to my credit report. It says that I owe XXXX for an account that I had with XXXX XXXX XXXX. When I XXXX, I paid all fees and I received my diploma. I even have my account to show that I left the school with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section A States i have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It aslo 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years .15 U.S.C.1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
On XX/XX/2017 rent recovery solutions reported to the credit bureaus a balance of {$5400.00} that I was not aware of this balance is the result of is identity theft. I have repeatedly disputed this account and reported that I have never lived or been at that apartment complex. Recovery solutions continue to report to the credit bureaus after seven years. They have not provided me with any proof any documentation of the debt. I have tried for many years through the credit bureau to obtain the necessary information via US written mail, and online disputes. Some credit bureau have removed or closed the collection that rent recovery solutions have placed on my credit however, some like XXXX is still receiving their debt reports. Im not sure how to go about the situation but its been so long and I have not come to a resolution after seven years I hope that this organization through this complaint could help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES STILL REPORTING IN EQUIFAX. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Debt on my credit karma profile with very little information on child support debt which I do not owe.. there was no information on the child, the why I owe this amount, how to dispute such debt, why I owe this much, etc.. they did not provide enough evidence corroborating such debt and if so, a reasonable payment plan if debt was owed.. attempting to garnish all my taxes and money earned without communicating with me or reaching out on the matter is completely illegal and is considered theft.. I demand fair treatment and allowed to properly dispute this issue with equal rights and proper due process as it is my right!.. I should not have debt and request this be forwarded to the proper channels so said issue is resolved in a professional manner without prejudice nor bias.. thank u

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 2024-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
For nearly a week, I have tried to pay my closed XXXX/Comenity account in full. I have tried on line payments, in store payment and payments made by phone call. I fear sending a check given the issues I have had prior. My last attempt today, XX/XX/year> resulted in a customer service connection that was disconnected on the companys end. As my payments are being disallowed, my interest accrues. I will continue to try to pay off this account but felt it was important that this agency be made aware that this practice goes on within Comenity Banking concerning card holders and customers of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Payments was so high that they were trying to take my car for collateral I couldnt afford the payments cause thats not what I was quoted when I did the application so I went to my bank to get them to consolidated my debt so I could get a cheaper payment and my bank ended up giving me the XXXX check to give them and now Im just paying my bank back but the payments are cheaper. OneMain was charging me XXXX a month and now my bank charge me XXXX a month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
We have XXXX mortgages with Specialized Loan Servicing and have always had insurance coverage on the properties with no lapse. This information has been submitted to both by our insurance company as well as myself and they continually are sending notification that the documents they have received are incorrect, but none of the correspondence tells you the reason the documents have been rejected the do not tell you want is wrong with them. I myself have uploaded them to XXXX  XX/XX/XXXX and XX/XX/XXXX and my insurance company has uploaded them on XX/XX/XXXX and XX/XX/XXXX and emailed them. you are unable to contact them by phone you get into a round robin of a phone tree and there is never a customer service representative available. When you are able to speak to someone, and they finally are able to tell you the error, I submitted the requested information and again it is not accepted. They have now purchased force placed insurance in all 3 of my properties, which has caused my mortgage payment to go up, because my escrow is short. Dealing with SLS has been one of the most difficult things. We own several properties and have never had such an issue with any other lender.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Delete this Charge-off ( XXXX XXXX account XXXX XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on Trans Union, XX/XX/XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting 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:
Bureau has failed to provide any documentation as to " proof of verification of information from the creditors '' in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ) code 15 U.S.C. 1681. 
Every reporting account has filed a WRITE OFF - and has reported it to the credit bureaus. 
A write off is a cancellation from an account of a bad debt or worthless asset. Every company has failed to provide the 1099-C filed to accurately report a write off on a credit report. If a write off was reported the amount of the debt in question should reflect as 0. 
The amount reported are not accurate and not valid. 
fraudulent accounts have been kept on my report even after providing the FTC reports to said bureaus with remarks that the investigation was done, yet I have not received any proof of documentation for these allegations.

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 2024-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
As of XXXX XXXX I was on time with payments, understanding one was due XXXX XXXX XXXX XXXX XXXX I received a notice that I was 75 days late on a payment. I also received a 45 day letter on the same day. 

On XXXX XXXX I called and spoke to one agent who was confused by the issue then realized something was wrong with my account. We got disconnected and no one called back. 
I called back and got another agent, who, while friendly, kept badgering me about why I didnt make a payment in XXXX ( I did ). After much frustration, I believe she finally saw what I did, that my account is messed up. She is supposed to research and call me back, as of today I havent received anything. 

Im now 90 days past due. In your systems opinion, a magical 75 days have passed in 16 days, 90 days in 19 real days. 

Today I received a notice that my agent changed. I emailed customer service and was told my issue was resolved in XX/XX/XXXX and they closed the ticket. 

It then took one employee after 12 phone calls and 3 hours to discover they audited my account discovered THEY messed up and put my account 90 days past due. They sent people to my house after 15 days of actually being past due threatening foreclosure. They have been sending people to my house to take pictures and then charging me for the privilege even though my account is no longer close to foreclosure. They have ignored my every attempt to figure out why this happened. Im so fed up and stressed. Im Sick of being sick over this please help. 

I cant attach an email chain but if youd like it I will forward it all. Most of this message is a copy and paste from my initial email to them so I apologize if some of it seems directive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
" XXXX XXXX of XXXX Michigan '' is still actively scamming and defrauding people. He joins internet forums and posts articles for sale on the forums. He communicates through XXXX XXXX and has you pay him with XXXX of the pay apps like XXXX XXXX XXXX XXXX or Zelle. He stops opening your posts as soon as you send the payment, which is not reversible once he receives it. He deletes his for sale post shortly after getting your money and posts the same items again and again in new adds to find new victims. He blocks you and you have no way of reaching him. XXXX XXXX owns and operates a lawn care service in XXXX, MI " XXXX XXXX XXXX XXXX  '' of XXXX, MI and has a cell # of XXXX He ripped me off for a significant amount of money and I hope someone else will see this to prevent them from being another victim of his criminal enterprise. 

I paid XXXX XXXX {$250.00} with a Zelle transfer after he advertised two engine oil and coolant filter sets on a XXXX forum XXXX XXXX XXXX. XXXX was a member and we exchanged messages via XXXX XXXX. I sent him the Zelle XXXX and he stopped communicating and did not send or deliver the filter sets. I've learned that XXXX is conducting similar frauds on other forums and recently did the same thing for {$750.00} to a person in Maine. 

XXXX XXXX used the email address of : XXXX to receive this money tranfser. 

I reported the theft of my funds to Zelle and received a confirmation email that they take fraud seriously but I have not heard from them again and my money has not been reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Delete this Charge-off ( XXXX XXXX account # XXXX ) for inaccuracy because the date last active show XX/XX/2023 on TransUnion, XX/XX/2023 XXXX XXXX and XX/XX/2023.

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