vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I am in a process of refinancing the loan that I have with Fay Servicing and need a payoff statement from them. We have called several times every day for over 10 days requesting it, and have heard from them that we will get it by the end of the day, which hasn't occurred. The closing already had to be rescheduled 2 times, and TODAY ( XX/XX/2022 ) is my deadline to have it closed. Fay Servicing still haven't submitted it. They keep that " calling them won't make any difference, '' and that " they will submit it when they submit it. '' I need help. I feel disrespected, haven't been able to go to work in XXXX, as the closing is in XXXX, and each day that Fay Servicing is denying to submit this document, the extra interest is being added as per their own benefit as if it was no consumer protection that would protect the client in a situation like this. 
If needed, I have records of all calls and emails sent to Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: AZ

Complaint narrative:
I have my name that is totally wrong and a previous address that is wrong,3 unauthorized inquiries that need to be deleted one account that says charge off which is wrong and 3 accounts I don't recognize to be mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/2022 : Capital one refuses to give cosigners of credit cards online access. 

I was told by several supervisors and workers that in order for co-signers to get access to the online portal we have to use the same username / password across all users of the credit card. So I would have to use the Primary owners credit card user/password. By doing that it will give us all access to all credit card information on the username. 
That is absolutely unacceptable, as I am not the cosigner on any of the other accounts by that user and should never have access to all of his account information. 
the fact that they say that each credit card is only allowed 1 log in is against financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Today, XX/XX/22 I Followed a link my husband sent to XXXX website for a sale of {$25.00} shoes. The website looked correct for the shoe company. Check said to XXXX so I ordered XXXX pairs and was charged {$90.00}. I paid through PayPal but when transfer was complete i saw that the money did not go to XXXX but to an individual person. I sent scam request to PayPal. I believe this is a scam, possibly through a social media site

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23 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: CA

Complaint narrative:
I have sent countless of certified letters to equifax with a police report and ftc report of the fraudulent account from FAMILY SUPPORT/CHILD SUPPORT being on my credit report. Every time i have sent a letter i have talked to the creditor and they keep saying EQUIFAX has not contacted them at all. 
When I contact equifax they keep telling me to send another ftc report. I have sent XXXX ftc reports, and the last fraud representative told me to include the full account number and it can be blocked because they see my address and name dont match up on that account. They told me they cant send me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX I called Wells Fargo to close my savings account and one of my checking accounts because they started charging fees. On XX/XX/22 Wells Fargo closed the wrong checking account. They took the money out and sent it in a cashers check, leaving me with no money till I received the check, almost 7-8 days. I called them on the XXXX and asked why it was closed, they said they made the mistake of closing the wrong account and they would start a case on this. They told me they could not reopen the account leaving me to take time off work ( not paid ) to get all of my bills that come out of that account moved to somewhere else. I also had checks out that were returned because of this. I have not heard back from them since. I have called twice and sent complaints online through Wells Fargo website.

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 2022-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I received an email from XXXX XXXX for an unauthorized service. During the conversation with XXXX XXXX with this company, he made a {$35000.00} wire transfer to my account and later said it was an error and that I URGENTLY needed to go to Wells Fargo to wire the money back. Upon getting to Wells Fargo XXXX XXXX greeted and helped me at his desk. He allowed me to make this transfer back to XXXX XXXX WITHOUT ever checking my 40+ years of banking history and following protocol to protect their XXXX customers. My daughter went to speak with XXXX personally on XX/XX/XXXX, and ADMITTED to seeing all the red flags with this transaction but STILL failed to protect his customer and allowed the wire transfer to be completed to a bank in XXXX. I have spoken with a previous Chief Executive Manager of Wells Fargo and she has even said Protocol was not followed to protect me. I have banked with Wells Fargo for over 40+years and have NEVER made an international wire transfer and if PROPER PROTOCOL WAS FOLLOWED THIS TRANSACTION WOULD HAVE NEVER HAPPENED

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 2022-08-23 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: FL

Complaint narrative:
Equifax continue to keep inaccurate information on my credit report. Inaccurate information on my credit causing denied of owning my own car. XXXX never produced ORIGINAL CONTRACT SIGNATURE BEARING THAT SAYS I OWE XXXX ANY DEBT AND IF XXXX CAN'T DO THAT IN 30 DAYS EQUIFAX NEED TO DELETE IT. XXXX keep saying they don't own this bill and they represent XXXX they don't. If they don't own this bill why XXXX Continue to send bill in their letter heading. I don't OWE XXXX NOTHING. KEEP SENDING BILL AND I CONTINUE TO ASK XXXX FOR ORIGINAL BILL BEARING MY SIGNATURE. XXXX, EQUIFAX AND XXXX HAS MADE MY LIFE XXXX XXXX XXXXXXXX. The information on my Equifax and XXXX credit report is inaccurate information. They refuse to remove it off my credit report. Again if XXXX CAN'T PRODUCE THE ORIGINAL CONTRACT SIGNATURE BEARING THAT SAYS I OWE ANY DEBT IF XXXX CAN'T PRODUCE WHAT I ASK FOR THEN DELETE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: CA

Complaint narrative:
Today, I called the fraud department at Transunion to make them aware that they have been in perpetual violation of the FAIR Credit Reporting Act ; despite the numerous disputes initiated with this consumer reporting agency since XXXX of XXXX XXXX. The agent, XXXX XXXX, was very dismissive even when nformed of these violations and insisted they had no authority to remove the erroneous information published by this agency. The agent informed the consumer that the most that could be done is to have a supervisor within the US reply to this complaint within 3 business days. ( XX/XX/XXXX@ XXXX ). One could only hope that this agency be held accountable just as other offenders such as XXXX, for how the so unapologetically inflict harm on the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I received an email that I was denied a line of credit that I never applied for : It didn't include my full name, and when I called the company, they could fine no record of me applying.

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 2022-08-23 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: AL

Complaint narrative:
Ive disputed A collection with XXXX. XXXX  XXXX XXXX  XXXX. Are reporting my XXXX XXXX account as {$860.00}. The amount owed is {$860.00}. My Experian credit report. Shows this same account as XXXX XXXX XXXX XXXX XXXX XXXX account as {$860.00}. I received a Certified Letter from AD XXXX XXXX  XXXX  today. From the USPS. This Certified document. Shows I owe {$860.00}, not {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Ive disputed A collection with XXXX. XXXX XXXX XXXX SERVICES. Are reporting my XXXX XXXX account as {$860.00}. The amount owed is {$860.00}. My Experian credit report. Shows this same account as XXXX XXXX XXXX XXXX. XXXX XXXX account as {$860.00}. I received a Certified Letter from AD XXXX XXXX  XXXX  today. From the USPS. This Certified document. Shows I owe {$860.00}, not {$860.00}.

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 2022-08-23 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: DE

Complaint narrative:
Account frozen XX/XX/XXXX - no reason given I reached out multiple times to resolve this, since last year - Venmo refused to provide additional information or to resolve the complaint, and even said they would not even try to resolve it - in one email they explicitly refused to tell me anything about the closure XX/XX/XXXX - email from Venmo saying it was frozen XX/XX/XXXX - email from me enquiring about the freeze XX/XX/XXXX - autoresponse XX/XX/XXXX - email from Venmo noting it was forwarded to another team XX/XX/XXXX - email from me following up, as Venmo never responded after the last email XX/XX/XXXX - autoresponse XX/XX/XXXX - email from Venmo where they refused to give any information about my account with my funds in it : " Your account is currently frozen. Unfortunately, there are no further changes that we can make to your account. Additionally, there is no further information or detail I can provide about why your account is frozen. '' XX/XX/XXXX - email from me asking how I can resolve XX/XX/XXXX - email from Venmo repeating the same response, with the additional line " Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. '' XX/XX/XXXX - email from me reaching out to resolve XX/XX/XXXX - autoresponse XX/XX/XXXX - email from Venmo forwarding to another team XX/XX/XXXX - email from me following up XX/XX/XXXX - autoresponse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IA

Complaint narrative:
On XX/XX/2022 a transaction was disputed and returned to my account on XX/XX/2022. However the refund has not been refunded through Chime. I contacted Chime only to be snuffed. I was transfer between five departments, I verified my identity XXXX times, and was on hold for over 30 minutes. I was then told by a supervisor that she could not verify my identity. Chime bank customer support is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION
State: VA

Complaint narrative:
This is our second complaint because First Home Mortgage refuses to cooperate with us and the Virginia Mortgage Relief Program to receive payment to save our home. This is an extremely time sensitive matter and the funds are available and waiting, we are very confused as to why they wont accept the funds and get this matter situated and why it is taking them as long as it is to handle this matter. It is urgent and we do not want to lose our home. We have been told there is a different servicer on the phone but our statements do not reflect that and no one is telling me any different. We have done conference calls with the program and our mortgage company and we are still getting the run around. At this point it feels discriminatory against us for bein low income and we will pursue that if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act : 1.XXXX XXXX : XXXX 2. XXXX XXXX XXXX  : XXXX 3.Drpt of Ed : XXXX 4.XXXX  XXXX XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX : XXXX 6.XXXX-XXXX XXXX  XXXX 7.dept of Ed/XXXX  : XXXX 8.dept of EdXXXX XXXX : XXXX 9.XXXX  XXXX : XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX 11.XXXX XXXX  : XXXX 12.XXXX XXXX  : XXXX 13. XXXX  XXXX  : XXXX 14.XXXX  XXXX  : XXXX 15. XXXX XXXX  : XXXX 16.depted XXXX  : XXXX 17.XXXX XXXX XXXX  : XXXX 18.XXXX  XXXX  : XXXX 19. XXXX  XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act : 1XXXX XXXX : XXXX 2. XXXX XXXX XXXX : XXXX 3.Drpt of Ed : XXXX 4.XXXX  XXXX  XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX : XXXX 6.XXXX-XXXX XXXX  XXXX 7.dept of Ed/XXXX  : XXXX0 8.dept of Ed/XXXX XXXX : XXXX 9.XXXX  XXXX : XXXX 10.XXXX XXXX XXXX XXXX : XXXX 11.XXXX XXXX  : XXXX 12.XXXX XXXX : XXXX 13. XXXX  XXXX  : XXXX 14.XXXX XXXX : XXXX 15. XXXX XXXX  : XXXX 16.depted XXXX  : XXXX 17.XXXX XXXX XXXX  : XXXX 18.XXXX XXXX XXXX XXXX 19. XXXX XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was trying to make a Internet purchase earlier during the day to see that it kept declining my transaction. I log in to see that both my checking and my savings account were both closed down. I call them and they said they made the decision this morning and they didnt have to notify me that the account was closed down. I asked why the account was closed and they said they can close it at their discretion and they can close it whenever. I have been a customer since I was a teenager which is messed up. Yesterday I went to the physical bank because I just got a new digit card last week and my pin has not been working so they reset it at the branch and they didnt even say anything there Bank of America

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 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX Citibank closed my checking account with no notice. On XX/XX/XXXX I contacted CitiBank and was transferred to the fraud department where they said that my account had been marked for closure but they could not tell me why. I asked at that time what will happen with the funds I have available in the account ( which was about {$200.00} ) and they stated that there was a note on my account saying " do not issue ''. I asked why and the customer service rep could not tell me. I asked could I speak to a manager and he stated there wasn't one. Later that morning I received two emails from CitiBank stating that my account would be closed and that no further withdrawals or deposits would be accepted. I work for the government and on XX/XX/XXXX my direct deposit ( just over {$1200.00} ) from my pay went to the CitiBank account. There was not enough time between when my account was " marked for closure '' and when my pay was released from XXXX to stop the direct deposit from going to that account. I was told by XXXX on XX/XX/XXXX that the funds had not been returned from CitiBank. On XX/XX/XXXX I contacted CitiBank to ask about the direct deposit. I was told by the customer service rep that she could see the XXXX deposit and she needed to transfer me to the fraud department. I have been on hold with the fraud department for hours with no resolution. The email from Cititbank that I received on XX/XX/XXXX states that no direct deposits could be received to that account. In that case, my pay from XXXX should have been rejected and sent back to XXXX and not deposited into that " closed '' account. I just want my available balance, which should be around {$1400.00} returned to me. I have had no luck so far. I have worked hard for my money and I desperately need access to my funds.

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