vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One rep ( s ) by the name of XXXX and XXXX, depending on which rep replies, give alternate responses to complaints filed regarding missing payment from closed account with Capital One from 2018. The payment represents closing balance in account, the amount of {$4200.00}, initial check had stop payment placed prematurely by Capital One rep, check reissued while I was away on vacation. The reissue check was intercepted, cashed by another party, complaints filed in re and unresolved to date. A XXXX XXXX replied in re by attempting to imply person whom intercepted is related, lived at address at the time, failed to investigate further. Even if person is related, does not mean the funds were not stolen as they were.. No affidavit was sent as it should have at the time, according to rep with Connecticut Dept of Banking . An affidavit was finally sent via email several months ago after providing above information from Connecticut Dept of Banking, signed and mailed back to Capital One. The bank whom cashed check, XXXX XXXX Bank, did not receive information in re... I advised Capital One reps of non-receipt, refused to look into it, advised to continue to wait.. Failing to look into it, I reached out to party whom cashed check via social media, person agreed to reimburse funds via check which did not clear, was returned NSF. Most recently, I spoke with rep at XXXX XXXX, confirmed check returned and request a new affidavit in order to investigate/reimburse funds to Capital One.. Unfortunately, Capital One rep by name of XXXX refers to my prior statement, " I was able to obtain funds from party '' or similar thereof... The funds were in form of a check, not cash, it is common sense not to give cash in such a high amount... I believe XXXX as well as a XXXX recognize this fact, refuse to reissue affidavit. Depending on which rep replies, I am referred back to party whom cashed check, in which case it is not my responsibility to do so, or my prior statement is referred back to which XXXX twisted around to his own convenience. I request the CFPB look into handling of this matter from back in 2018, which Capital One has not handled properly as they did not send affidavit prior and now refuse to reissue. Further, I request CFPB send this complaint to a different rep, other than XXXX or XXXX A number was left in case of questions, however, Capital One reps do not accept or return calls from past experience.. XXXX XXXX left her number , seven messages left, none returned to date...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
XXXX called to setup my first mortgage payment with specialized loan servicing. 
XXXX specialized loan servicing charged my bank acount twice for my mortgage payment causing {$75.00} in overdraft fess. 
XXXX called to find out what happened and to get a refund. was provided an email adress to submit by bank statements too. 
XXXXsubmited bank states ive called back multiple times. every person I speak with tells me they can not assist me or that I need to speak with a supervisor. setup multiple calls back for a supervisor. 
XXXX-received call back, spoke with supervisor XXXX in the XXXX  office employee id XXXX states everything went thru and my refund has been expediated and should be on its way. 
XXXX called back Rep I spoke with said she reached out to 3 different people, and they all say they can not help, no idea how to fix problem.

its been 3 weeks since beeing double charged and still can not get anyone to even assist me in providing a resolution. This is a brand new mortgage and they have done nothing but XXXX it up and have not been able to resolve my issue in three weeks, but iam sure they are quick to charge me for a late fee. I

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted disputes and a FTC report for fraudulent accounts and hard inquiries on my credit report. 

Experian - Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXX  {$2600.00} XXXX  XXXX XXXXXXXX {$330.00} XXXX  XXXX  {$650.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX - Inquiries : XXXX XXXX XX/XX/XXXX XXXX To XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX - Accounts : XXXX XXXX {$650.00}

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 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have been using my Sam's/Synchrony card for a number of years. My husband passed away on XX/XX/2021. I called the card number and reported that I had 4 fraudulent charges from out of the country. In the process, because my husband was the primary cardholder, they sent me to their probate department, closed my account, and told me I would receive information in the mail about what to do about the fraud. 
This happened on XXXX XXXXXXXX XXXX 

On XX/XX/2021, I received notice that Payments that I had made using Sam 's card had been taken back by the credit card company. Upon talking with Synchrony, I discovered that 2 payments had been taken back. One payment was for business insurance and had been paid on XX/XX/2021 and the other for health insurance that had been paid on XX/XX/2021. I pay my balance in full every month, so these 2 payments had been paid by me approximately 2 cycles ago. I was given no explanation for this. I believe this to be fraudulent. Why would a company go back 2 months and take back money that had already been paid off? The reason is clear to me. My husband died and they were afraid they would not get the current amount due, so they resorted to sleezy tactics to make sure they would not lose the money. I can tell you as a lady that just lost her husband and now has to spend countless hours on the phone apologizing to insurance companies for something that was not my fault, but the fault of greedy, dishonest credit card issuers, this should never be allowed. We have a high credit score and have always paid our bills. They had no reason to think they would not get paid. This is a disgusting way to treat people. Please investigate. I hope charges can be filed. I am reporting this to every agency that I can. So dishonest!!!!

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 2021-09-22 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:
I submitted disputes and a FTC report for fraudulent accounts and hard inquiries on my credit report. 

XXXX - Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$330.00} XXXX XXXX {$650.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} Transunion - Inquiries : XXXX XXXX XX/XX/XXXX XXXX To XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Accounts : XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX  {$650.00} XXXX  XXXX  {$1000.00} XXXX - Accounts : XXXX  XXXX  {$650.00}

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 2021-09-22 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: PA

Complaint narrative:
I submitted disputes and a FTC report for fraudulent accounts and hard inquiries on my credit report. 

XXXX - Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$330.00} XXXX XXXX {$650.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX XXXX Inquiries 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 Accounts XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} Equifax - Accounts : XXXX XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: CA

Complaint narrative:
Citibank closed my account and withdrew the remaining balance on XX/XX/2021. They sent me a letter and email stating my account will close in 30-60 days on XX/XX/2021, and any funds in my account after it is closed ( {$26000.00} ) will be sent to me in a form of a check after account closure. It has been over a month ( XX/XX/2021 as of this writing ) since my account was closed and the money was taken from my account but I still have not received any funds, and they are putting the money in one of their accounts to earn interest off it. I want this garbage of a bank to give me my money back and another ( {$15000.00} ) held in another account back to me.

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 2021-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Our Company XXXX XXXX XXXX XXXX is working in the XXXX XXXX for major XXXX XXXX XXXX XXXX. We found the one biggest supplier in XXXX, the company XXXX XXXX XXXX XXXX. 

An agreement contract for trial order was signed and the deal was to sent XXXX XXXX $ as commitment deposit to start the production. 

In the invoice sent by the seller, he asked us to send the deposit commitment to the account branch in Wells Fargo Bank in XXXX XXXX. This deposit was sent the XXXX XX/XX/2021. 
After the reception of the commitment deposit, the Sales Manager didn't answer to us. So after so many researches, we found that it's a scam. This guy used a fake personal identity. Moreover he XXXX  and uses very accurate informations about the real company in XXXX : stamp, licence number, real name of directors, XXXX XXXX licence, inner photos of the slaughterhouse... 

We started different procedures to refund the money and to know the real name of this scammer. 

We sent a report fraud to FBI ( XXXXC3 ), Federal Trade Commission, Internet Provider ( fraud is confirmed and website is suspended ). 

And of course, we contacted Wells Fargo Bank to cancel the transaction. This one is absolutely not helpful and now the bank refuses to give us the real identity of the owner of the account! Even the fraud is completely confirmed.

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 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
Had a checking account for 3 months at US Bank. On XX/XX/2020 a friend transfered money directly my account which triggered a XXXX investigation which was negative. The Bank closed my account as i was told in XXXX and they said that they would return friends XXXX but it could take up to 6 months because of COVID ( the transfer was to pay for my Moms funeral due to XXXX  ) After close to a year he still hasn't got his money Yesterday when I went to the Bank with Him the bank said that they could take as much time as they wamt.

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 2021-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I requested a recast of my loan and a refund of my mortgage premium since I have paid down more than 20 % of my mortgage. I contacted Fha counselor and was told that " You ( I ) must meet/have met minimum principal reduction standards ''. If this is done Rocket Mortgage has a duty to recast. I was refused that right to have a recast. Fha referred me to this agency for remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase denied my credit card application because of the following per there letter dated XXXX ( Copy Enclosed ) : 1 ) Delinquency or other derogatory relationship with our bank. 
Answer I do not have any kind of relationship with JP Morgan- This is a LIE! 
2 ) Insufficient balance in deposit and investment accounts with us. 
Answer - I'm applied for XXXX XXXX XXXX XXXX XXXX and has ZERO to do with any kind of Relationship with JP Morgan- The Application said it was only a rewards card for points for travel. I 3 ) One or more requests for new credit in the past 12 months. Answer what does that have to do with anything as all credit cards were approved. Again a LIE! 
4 ) Repeat of the above - Answer they can't make up any more LIES.

- My credit is great look at the letter credit score of XXXX per their lette. 
If you don't sue them for fraud then I will. JP MORGAN CHASE paid {$920.00} XXXX for fraud and RICO charges. Why would anyone want to open an account with JP MORGAN CHASE? AS this Bank that admitted guilt for Fraud and RICO Charges.and XXXX  $ XXXX in charges but still goes on to deny application for rewards card ( see below for the record ). 
Also, please provide me the THEIR AGENT FOR SERVICE SO I CAN SUE THEM IN CALIFORNIA. - Here is the attachment that needs to be published. 
by XXXX XXXX and XXXX XXXX, XXXX XXXX Published XX/XX/2020 JPMorgan Chase & Co. admitted wrongdoing and agreed to pay more than {$920.00} XXXX to resolve U.S. authorities ' claims of market manipulation in the banks trading of metals futures and Treasury securities over an eight-year period, the largest sanction ever tied to the illegal practice known as spoofing. 

The New York-based lender will pay the biggest monetary penalty ever imposed by the Commodity Futures Trading Commission , including a {$430.00} XXXX fine, {$310.00} XXXX in restitution, and more than {$170.00} XXXX in disgorgement, according to a statement from the CFTC. The CFTC said its order will recognize and offset restitution and disgorgement payments made to the Department of Justice and Securities and Exchange Commission. 

The accord ends a criminal investigation of the bank that has led to a half-dozen employees being charged with rigging the price of gold and silver futures for more than eight years. Two have entered guilty pleas, and four others are awaiting trial. 

The JPMorgan penalty far exceeds previous spoofing-related fines levied against banks, and is the toughest sanction imposed in the Justice Department 's years-long crackdown on spoofing. The bank entered into a deferred prosecution agreement with the Justice Department as part of the settlement, according to the CFTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: MA

Complaint narrative:
The Chime credit builder card inaccurately reports card balances to CRAs to be viewed as revolving credit without a credit limit. This practice has led to higher balances being reported than what is due and furthermore has resulted in multiple decreases in my credit scores across the bureaus due to the credit utilization algorithm. 

Info on reporting and payments with Chime : 1. Card statement is from the XXXX to the following month on the XXXX. 
2. The Chime credit card payment due date is the XXXX of each month. 
3. The Chime payment date is the XXXX of every month. 
4. I add funds to my chime credit card and chime will put aside payments for the card and pay automatically on the XXXX of every month. 

Issues : 1. The payment date occurs on the XXXX of every month even though the statement cycle is XXXX to XXXX. This means the amount due is always based on the month prior balances. 
2. Since balances are based on the month prior, a balance carries over into the next billing cycle. Thus a constant balance is reported to CRAs. Chime adds account notes saying the account was paid in full, but this is inaccurate based on the balances reported. 
3. Due to the misleading/inaccurate Chime reporting, this has affected my credit utilization and resulted in my credit score dropping two to three times significantly. 
4. Chime acknowledged twice that the reporting date does not align with the statement date nor the payment date, yet they continue to falsely report that I have a balance when I do not. 

Specifically : On XX/XX/2021, my credit score dropped an average of 23pts across all bureaus. 
Reason : Chime updated the bureas that I had a balance increase of {$140.00}. Bringing the total balance to {$430.00}. On XX/XX/2021, Chime sent the Chime builder statement showing that {$290.00} had been paid on XX/XX/2021. This means that Chime should have updated the balance on XX/XX/2021 to only be {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
When the covid pandemic began we were lead to believe that any missed mortgage payments would be added to the back end of the mortgage and the loan would be extended. Now we are being told that the missed payments will be due as a balloon payment at the end of the loan term. This is unacceptable and it was misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
I filled out my application to lock in my rate with Better.com on Friday, XX/XX/XXXX. In my application, I mention that I need to close on my home by XX/XX/XXXX. Better.com asks me to put down a payment of {$550.00} so an appraiser can assess my home. At this point, they know that I want to close the home on or before XX/XX/XXXX. 

After I pay the money, Better.com assigns me certain tasks to complete and assigns an agent by the name of XXXX XXXX. XXXX emails and texts me, at which point I ask her to call me since her communication was unclear. On the phone and subsequently on the texts, she mentions that Better can not close on my home by XX/XX/XXXX. I tell her that it was unethical of them to charge me {$550.00} knowing fully well that they can't close on my home by my requested date. She offers to refund the money and goes silent after that. 

Another agent by the name of XXXX XXXX reaches out to me on Tuesday, XX/XX/XXXX mentioning that they want to keep my business. He tells me that they can't promise to close by XX/XX/XXXX. I ask him to refund the money. He says he will work on it. 

Later in the evening on XX/XX/XXXX, I receive an email from Better that an appraiser has visited my home. This is beyond unethical. After 2 agents have clearly said that their company can not close by my requested date and have said that they will return me the money that they unethically charged me- they go ahead and send an appraiser anyway. These are unfair and deceptive practices by Better.com and their customers deserve better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CA

Complaint narrative:
TRANSUION violates my consumer right to privacy under the FCRA,15 USC 1681 ( a ) ( 4 ), TRANSUION willfully causing me harm and mental anguish by reporting invalidated accounts information on my consumer report without my written instructions and consent as mandated under 15 USC 1681b ( a ) ( 2 ). 
TRANSUION never provided me with a notice of negative information in writing as mandated under 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 15 USC 1681s-2 ( 7 ) ( B ). My federally protected right have been violated in multiple counts, TRANSUION is intentionally, willfully and knowingly ruining my reputation and my credit. ( Please see attached filed for more details )

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