vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dear Sir/Madam, How are you? I hope you fine. 

I am very sorry to write email to you as I had sent one Letter to Director of Inspector General of Justice Department U.S by XXXX XXXX number : XXXX received by XXXX XXXX since XXXX, 2021, for helping in the JP MORGAN CHASE HOLDING our Fund in amount of US {$160000.00} which sent to our XXXX XXXX  XXXX XXXX XXXX 

Until now, I did not receive any feedback from the Office of Inspector General on my letter. I did not know the office of Inspector General had received my Letter or not because I did not yet receive our fund into our bank account at XXXX XXXX XXXXXXXX in XXXX. 

In this case I would like to request you for help in SWITF Tracking the our fund which JP MORGAN CHASE Routing to our XXXXXXXX XXXX  XXXX in XXXX. Please kindly help me on that case. 

Please kindly find my letter attachment sent to Director of Inspector GeneraXXXX. 

I am very appreciated if you could help on the case. 

Please stay safe and heathy during Covid-19. 


Thank you very much, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Email : XXXX Tel : XXXX / XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX WhatsApp : XXXX Telegram : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This has cause a major problem in my life Financially. Ive been working to rebuild credit and this items on my credit report is stopping me to receive a home, loans, and unable to establish a new lines of credit. By FCRA law these negative items on my report should be remove immediately..

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 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Ive reached out multiple times to Wells Fargo bank to ask if their was any assistance program to help during our financial struggles during the pandemic. They told me no, as a husband and breadwinner of a family of 5 I used multiple resources to earn money and or keep my family from starving. Including automatic payment installments etc. I get my income has teamed a hit and made Wells Fargo aware but they continue to charge me {$35.00} on a {$4.00} transaction sometimes. I get it, but they probably have charged me {$2000.00} in if fees for covering not never half that. They have never not got a direct deposit for me that covers my bills every 2 weeks. And they keep taking my child care credit and then refunding it back with the stipulation of recharging me fees at a later date. This is robbery at its best.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I enrolled into Capital One 's payment plan after I had 2 personal losses on the same day on XX/XX/2021. I missed a payment, at no fault to the Bank. I spoke to a representative to inquire if there was anything that they could do to help me get caught up. She waived my late fee, and instructed that I pay {$100.00} now, and {$150.00} by the XX/XX/2021, and to make my regular schedule payment on the account in XXXX. She instructed and it is advertised that if I enrolled in this, that it would not be of any penalty to me. I did everything instructed and I still received a credit reporting of being late 2 payments ( which shows the full balance on my credit reporting ). When I called Capital one, and spoke to 4 reps, I was now informed that I should have paid the {$100.00} and {$150.00} for my account to not be late. The original customer service representative gave me the incorrect amount by {$3.00}, and she misinformed me. After I made the payment in XXXX, I called back they reviewed the acct and waived the late fee, but now, I am at fault. I am understanding that this is my circumstance with my family, and no one should bear the pain. My frustration is the misleading of the payment plan helping the client, when the bank is giving the incorrect amount that need to be paid and no one seems to have documentation of what the rep advised me. A waste of time and a lost of trust to this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: ME

Complaint narrative:
We were contacted by phone, before XXXX XXXX  ( outside of traditional business hours ) by a collections agency called ERC, claiming to represent a receivable owed by us to cable provider XXXX XXXX dating to our move from XXXX XXXX  XXXX in 2020. 

We do not and have never owed any money to XXXX. Indeed, since they bill in advance, it's more likely that they owe us a pro-rated refund. This has been explained to a previous collections agency, but the alleged and invalid receivable seems to have been resold. 

The ERC representantives were rude and XXXX, calling outside of normal business hour and demanding information without properly disclosing that any personal information offered would be used to attempt to collect the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The company credit acceptance In XX/XX/2021, I called to have my payment rescheduled for a few days out. The person that I spoke to said that there would not be a late fee and it would not affect my credit. Well they lied it did effect my credit and since we were on a recorded line which they stated. They should be able to go back and see when I call in XXXX to have the payment arrangement. Again the person that I spoke with said that we were in a recorded line. So it should not be a problem to pull up the conversation, and have the issue resolved immediately. This is very unfair and injustice for what has been done. It has made a major fall on my report. I would like this taken care of. I have reached out to them. They wouldnt talk. So now I need your help. Thanks

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 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021, an unauthorized wire transfer was made both from my Checking Account and My Savings account from Citibank. On XX/XX/XXXX, as soon as I realized money was taken from my account I contacted the bank by phone and went in person to the bank. The bank told me the name of the person the wire transfer was made to. I then also filed a police report. USD XXXX were taken from my checking account and USD XXXX were taken from my savings account. This is very unusual activity in my account, I don't understand how the bank authorized this transaction. After I warned the bank of the wire transfer, I filed out an affidavit and to my surprise, the bank took over 1 week to submit my affidavit to the bank 's fraud department, even though I made various requests that my situation be solved quickly. It was the beginning of the month and I had deposited all of my payments into the bank. All bills were dated to be paid, including my rent and other bills. I didn't even have any money to put gas in my car to get to work. The bank did not provide me with ANY support, they left me without any money. Interestingly enough, the bank decided to offer me a LOAN with an extremely high interest rate, since they argued that my checking account was new. The account was only new because they had to close the older one due to the unauthorized wire transfer. I had the other account for almost 10 years. Still to this day, the situation is not resolved, and it's been 23 days and I urgently need my money back to my account.

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 2021-12-23 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Credit was applied for several different times at different banks. Credit was not given by banks but inquires are now on my credit report preventing me from actually acquiring real credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
my account has a hold on it i want it off or i want access to my funds if a check is being mail i want the tracking number with the check also

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received a notice informing me that there was a hard hit inquiry from target for a store credit card. I did not apply for anything at target. I want to ensure that no store account was opened in my name and remove hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
4 months ago I requested a modification plan for my mortgage forbearance and have continued to ask for it to be provided. The title search took months and now XXXX  is reviewing the plan (? ). The company has yet to provide the modification plan and will not tell me when it will be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
My medical bill of {$210.00} was paid in XXXX ( well on time ) but Receivable Solutions XXXX, XXXX, SC still flagged my account with credit rating agency and my score went down by XXXX points. Im about to apply for mortgage but now can not because of their error. My account was in very good rating until now. I called them and they admit their mistake but dont know how much time will it take for them to get it corrected. Please help o resolving this as this is consumer harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
My husband and I had our primary home mortgage through Citizens Bank with automatic payments including our escrow with taxes and home insurance. We refinanced on XX/XX/XXXX and the loan was paid off to Citizens. There was an extra monthly payment submitted in XXXX which has been returned to us since. 
The escrow money has not been returned to us. When we called Citizens they told us the amount is XXXX XXXX My husband called on XXXX and was told the check will be resent. Our address has not changed and the extra monthly payment did find its way to us at the address they have in the system. I called again on XXXX because we hadn't gotten the check and Citizens confirmed that the check hadn't been cashed. They promised to send it overnight. I called again on XX/XX/XXXX because we still haven't gotten the check or any other communication from Citizens and I was told I would be called by the end of the day once they figured out if the check was Fedex-ed to us. I was not called or emailed. 

Our loan number was XXXX. Meanwhile, we can't log on to the online portal because the loan has been paid off and the account deactivated. 

Please help us get our money back as it is a significant amount and it has been close to 3 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CRED Technologies dba cred.ai
State: TX

Complaint narrative:
This card work by having the user deposit money into the account. Three hours after depositing {$250.00} into an account that still had about {$100.00} my account spending power was $ 0- I had not made any purchases. I was intending for this money to be used to purchase XXXX gifts. After three separate phone calls I received no clarification aside from being informed that my account was showing negative {$650.00}, I could not see this reflected in my app, had not made any large purchases on this card ever, and no one could explain to me what this charge was labeled as. The only escalation solution was to schedule me for a call in two days, on XXXX eve. I have since gotten {$100.00} added back to my account with no context, and no knowledge of where the rest of my money is. So. No information from customer support, no one further than a call center attendant to speak to, and no explanation of what this mysterious charge is. The only question they would answer apart from their " escalation '' scripted schpiel was that yes, it is an internal issue, and yes, others have been experiencing the same thing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX 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 2021-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX- I take auto loan out with Chase Bank for purchase of new XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX  sold to XXXX XXXX for {$35000.00} XX/XX/XXXX - Chase receives check from XXXX via XXXX  XXXX ( tracking number XXXX ) for full balance of loan {$18000.00}. 
XX/XX/XXXX- Chase cashes check, XXXX confirms funds have been withdrawn from their account XX/XX/XXXX - my monthly loan payment due date passes. 
XX/XX/XXXX - my first call to Chase customer service for information and status on loan payoff processing. No resolution, Chase acknowledges receipt of loan pay-off on or about XX/XX/XXXX - 2nd call to Chase customer service with similar outcome. Chase says they are investigating what happened to funds. Loan account still active. 
XX/XX/XXXX - {$30.00} late fee applied to my loan account on or about XX/XX/XXXX - 3rd call to Chase customer service. No change, still investigating with Chase Payoff Escalation team. No eta, due date, or other details available. 
XX/XX/XXXX - 4th call to Chase customer service. Again no change in status, still investigating. Chase confirmed title for vehicle has not been released to Dealer ( XXXX ). Appears XXXX may have already sold the vehicle, waiting confirmation of sale from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NM

Complaint narrative:
I had hail damage on my roof in XXXX NM in XXXX. The insurance company provided me checks for air conditioner replacement and for roof replacement. Flagstar Loss Draft department refuses to endorse the checks and forward me the insurance money so I can pay my contractors. I researched them on XXXX  and found they are doing this to tens of thousands of customers. I believe they are trying to keep insurance claim checks for themselves instead of endorsing and returning to their customers. I have had to contact them over 35 times and I get a different agent every time and a supervisor is never available. This appears to me to be way more than just incompetence and looks like a premeditated plan to keep insurance money. Consumers need protection from predatory practices and this looks like a prime example. It is now XXXX time and at this point I do not know how I am going to be able to get my insurance money back from them and pay my contractors.

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 2021-12-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collection Systems, Inc. (OH)
State: OH

Complaint narrative:
On XX/XX/21 at approximately XXXX am I was contacted by a XXXX from a phone number that is unlisted. XXXX went through the usual dialogue with collection that is required by law and informed me of a debt that was owed. 

When he completed the dialogue I requested that I only be informed by mail, no more phone calls. XXXX XXXX stated that a letter was already sent and said an address quickly. ( Not even confirming mailing address. ) When I again requested that I be informed by mail and no phone calls he got angry and stated " I'll document refusal to pay and mark this delinquent. '' When I tried to state that I wasn't refusing to pay he started talking over me and then proceeded to hang up on me. 

I tried to call back 3 times from my cell phone to rectify the situation in which XXXX kept forwarding my phone to voice-mail after one ring. 

I had to call back on my husband 's phone. ( XXXX am ) When answered he said " why do you keep calling back ma'am? '' I asked why he was hanging up on me and he stated " basically you're not gon na pay back your debt. '' I corrected him and was stating I wanted him to make note on my account. He further stated that I was not going to pay my debt. ( He then stated that he was on a recorded linel He also stated in the conversation " I'm not required to be professional. I'm just required to do my job " further discussion entailed with me asking why I was hung up on and if he notated my account which I did not get an answer. When I asked what company he worked for he stated " have a good day. '' The only reason why I figured out which company is by remembering he said XXXX in the first call and I had to XXXX search to find the company in my area and found the real phone number to the company. I called and spoke with a secretary at XXXX at phone number XXXX confirming that a XXXXy works there, when asked if he is in a supervisor position I was informed he was and that the other supervisors are out until after XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief