vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: DISCOVER BANK
State: WA

Complaint narrative:
I recently transferred a total of {$880000.00} from my bank to Discover through an ACH transaction. The funds were verified to be mine along with the funding bank account. The funds were transferred to XXXX CDs after almost XXXX  days after I opened the accounts. Then less than XXXX hours after the funds landed in the account the funds disappeared. When I called Discover, they told me that it was because of past activity that the accounts were shut down. When I asked them what past activity, discover couldnt give me any answer they couldnt tell me whether or not the money actually returned to the funding bank. At this point in time XXXX XXXX  can not confirm the funds were returned. More over why would a financial institution go through the painstaking process of opening my account ( s ) after verification of everything, to then turn around and shut the accounts down?

When I called Discover bank again they had very little to say and very little information to offer other than XXXX minute hold, followed up by a business decision, is the reasoning given and Discover bank has had nothing else to tell me. Furthermore, Ive written Discover Bank and requested that the funds be issued in the form of a check for XXXX XXXX  and they outright just said that no action will be done at this time. Then on XX/XX/2024 I recieved an email saying that theres an update to my various accounts. Discover bank illegally took the money out of my accounts without permission, and supposedly sent the funds back to XXXX. 
I open XXXX CDs. Once the account is open and funded the funds can not just be returned, the account type prevents that act from occurring. Discover or someone took the money out without my authorization or permission. Discover also said the accounts are not closed. If you take money out of a CD and return it back to the funding bank generally that means the account was closed. As of today the XXXX CD accounts are still open and they have a XXXX balance. Please help recover my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I opened XXXX accounts, the XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX, with BMO through their website ( Accounts and account number shown as Attachment XXXX and XXXX ). I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my XXXX account detailsspecifically the routing number and account numberI made XXXX  distinct transactions : a {$25.00} deposit into the XXXX XXXX account and a {$25000.00} deposit into the XXXX XXXX XXXX XXXX account through the BMO website ( Transaction in XXXX shown as Attachment XXXX ). However, on XX/XX/XXXX, I received notifications from BMO stating they encountered difficulties funding my newly opened accounts and decided to refund ( Email from BMO shown as Attachment XXXX ). However, I only received the {$25.00} deposit reflected in my XXXX account. The {$25000.00} intended for the XXXX XXXX XXXX XXXX account did not appear. Despite numerous attempts to resolve this issue by contacting BMO, I have not received a satisfactory resolution. After submitting a complaint in CFPB to BMO, I finally received their response on XX/XX/XXXX. BMO informed me that their vendor, XXXX, holds the funds, and they advised that XXXXXXXX XXXX ACH department should request a debit return ( Response from BMO shown as Attachment XXXX ). 

Following a complaint filed with the CFPB against XXXX on XX/XX/XXXX, I received a response from XXXX today stating that their records reflect that the transfer of {$25000.00} was sent to BMO on XX/XX/XXXX ( Response from XXXX shown as Attachment XXXX ). And XXXX has advised me to contact BMO at XXXX to inquire about my funds using trace # XXXX to help aid in a resolution with BMO. 

As of XX/XX/XXXX, until the present date of XX/XX/XXXX, BMO has unlawfully withheld my funds totaling {$25000.00} for over XXXX months. BMO must return the funds promptly and compensate for losses, including XXXX months ' interest and effort expended.

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 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MT

Complaint narrative:
On XX/XX/XXXX my Chime ( online bank ) debit card was used in XXXX transactions in Florida. The first was {$8.00} at XXXX, second was {$100.00} at XXXX XXXX, XXXX was {$100.00} at XXXX XXXX, and last was {$27.00} at XXXX XXXX I have disputed these with my bank 7 times and every time it has gotten denied. I filed a police report upon my banks request and still have not gotten a different response. Ive provided my address and work schedule to prove that I wasnt/have never been to Florida and still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear XXXX XXXX I looked over my credit report and I see accounts that dont belong to me and I believe them to fraudulent XXXXXXXX XXXX account number XXXX XXXX XXXX Bank XXXX I also notice these names our not mine XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX Also these addresses are not mine either 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 XXXX XXXX XXXX I have one address and these are not it. Also these numbers are not mine either XXXX, XXXX these are not my numbers I have one number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear XXXX XXXX I looked over my credit report and I see accounts that dont belong to me and I believe them to fraudulent XXXX XXXX  account number XXXX XXXX XXXX XXXX  XXXX I also notice these names our not mine XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX XXXX these addresses are not mine either 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 XXXX XXXX XXXX I have one address and these are not it. Also these numbers are not mine either XXXX, XXXX these are not my numbers I have one number

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 2024-03-04 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: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I signed the loan documents and the interest XXXX was 2.99 %. Now that the loan is active within GoodLeap system, they are saying the rate is 7.99 % and my payments went up. I received a call from Goodleap on XX/XX/year> at XXXX cst and spoke with representative XXXX and she confirmed that the rate is incorrect. She stated that system shows that system is charging 7.99 % but signed loan documents show 2.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
My mortgage is held by Truist Bank. My homeowners policy was scheduled to renew XX/XX/XXXX. Approximately one month in advance of the renewal, Truist paid the renewal premium to the carrier. This caused by monthly mortgage payment to increase because the renewal premium was expected to increase approximately {$1200.00} annually. I called Truist and advised them that I was changing insurance carriers to because I was able to get a rate lower than I had in XXXX, so my monthly payments should actually go down. Because they had already paid the renewal, they indicated I would have to wait for the original carrier to refund me. I would then need to refund Truist before they would recalculate my payment. 

When I called back to advise Truist that I had refunded that money back to my escrow and wanted my payment recalculated, I found that Truist had made another payment to a carrier for a policy that is NOT in my name, NOT for my address, and has NO affiliation to me whatsoever. That payment was for the amount of {$6700.00}. They told me I would have to continue to pay the increased monthly rate until they got the money back from the erroneous payment, even though it was not my error in any way. To date, the have refused to issue a credit back to my escrow for their error. They said they could " request '' a corporate payment back to my account, but that it would take at least 15 days. This never occurred. I have called and spent hours and hours on the phone, but the situation still had not been corrected. They told me endless times that they WOULD NOT recalculate my payment, even though they were aware of the error and that I was in no way at fault. Over the weekend I received a notice from Truist that my payment would be going up another {$810.00} per month because of a recalculation that they did with the erroneous payment. 

I have received no calls back from Truist and have continued to have to call them over and over to get this corrected. They are penalizing the customer for their own errors and have not corrected the situation.

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 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was reviewing my credit profile and saw some inquiries that are not mine on there

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXXCAPITAL ONE Business Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. CAPITAL ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. These account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these account. I have requested on numerous occasions the proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On or around XX/XX/year> I transferred money from my personal account with XXXX  XXXX XXXX into my auto loan with XXXX  XXXX XXXX in the amount of {$2000.00}. My account balance was {$11000.00}. The payment rejected on the following day, XX/XX/year>. I proceeded to try and make the transfer again on XX/XX/year> in the amount of {$2000.00}. My account balance has not changed from the amount stated above. Again the payment was rejected. This caused me to contact XXXX  XXXX XXXX due to the fact that my payment was due on XX/XX/year>. This was my second time trying to contact someone. The lady on the phone told me that my account was in a collection status, which was shocking to me because my payment was due that day. When I told her that my payments were rejecting and I had the funds in my account, she told me to wait a few days. Two to three days to be exact and call back. Because I didnt want to leave anything to chance, I tried to make the payment again on XX/XX/year>. This time the payment was accepted. I didnt think anymore about it. No harm, no foul is what I was thinking. However, that wasnt the case. On XXXX the third, I started receiving alerts on my credit that XXXX  XXXX XXXX had updated my account to 30 days late. This totally took me by surprise because I had been calling them and making payments that werent being accepted. So again, I called XXXX  XXXX XXXX on XX/XX/year> only to be transferred there and four times and being placed on hold for over a hour with no resolution. What they did is against the law. You can not report an account 30 days late when a payment has been made. According to the fair credit reporting act, it is unlawful to report fraudulent information to the credit bureau. I would like this late to be removed from my credit profile 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 explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: SC

Complaint narrative:
According to the Mohela Website there is an outstanding balance of {$9900.00} in student loans. Previously XXXX accounts consolidated into XXXX. After applying for loan forgiveness. All loans were removed from the servicer, my credit report and federal student loans sites. I have proof of this, happening XX/XX/2022. In XXXX of 2022, loans reappeared on all sites. Resulting in a huge drop of my credit score ( down XXXX points ). The consolidated loan in the amount of {$9900.00} remains on my credit score. It also appears as current balance with Mohela. I have requested explanation of this from the XXXX XXXX XXXX department, as well as Mohela with no response. I do not feel this was acceptable. I received email that all loans had been forgiven and have screenshots from federalstudentaid stating You currents do not have any federal loans or grants

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXXXXXX XXXX  Account Number : XXXX, etc.

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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Saturday XX/XX/XXXX I received an email that my application for a capital one spark business card application is denied and I never applied for any business card. On Sunday XX/XX/XXXX I received an email from XXXX XXXX  that i have a hard inquiry and I tried to reach XXXX XXXX i was told to call during business hours. At XXXX on Sunday I received another email application from XXXX XXXX that I submitted an application for a credit card I never applied to. I called capital one today Monday XX/XX/XXXX and I was directed to call XXXX when I called them. I was told to file a complaint here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My card was stolen and Chase will not re-imburse me for the money that was used when the card was out of my possession. 

Multiple transactions- {$870.00} Reference # XXXX I was also scammed and Chase will not re-imburse that money Multiple transactions- {$850.00} Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The status is incorrect for the following account XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely

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