vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NM

Complaint narrative:
In XXXX of 2021 I reached out to Ameri save to refinance my home. I informed the processor who was assisting in handling my account application that I was interested in getting my home refinanced through them to save money in order to pay for school. 

The processor was more than helpful and super friendly especially when I informed her that I was a law enforcement officer for the state of New Mexico. The friendly behavior continued up until I consented to her company drafting {$500.00} dollars out of my account to lock in a mortgage rate in order continue to the application process. 

During this time, I was task with following up after days and sometimes going weeks without hearing from the processor. At one point I was contacted by another processor who was attempting to get me to pay more money out of pocket. I immediately asked for both processors to contact me to figure out what was going on and why they were asking for more money. The original processor contacted me via telephone apologizing, however never correcting the issue with the miscommunication. 

On XX/XX/2021 I received an email from her informing requesting for me to contact her immediately while stating, all we need is a survey to close on your loan. I left work to get this done and sent the information over to her. I then went weeks without hearing from her. 

On XX/XX/2021 I was finally able to get into contact with her via telephone. She tells me that I was the not approved for the loan. I informed her that I no longer wished to continue with their services after expressing how this was just a waste of everyones time. I requested for my money to be refunded she informed me that my money would be refunded in the next 7 to 10 business days. Well 16 business days have pass and I have not received anything. 

I am not sure at this point if this would be considered fraud since at this point, I am not sure if this is a legit company or if this should be a Civil suit that is filed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the 3 bureaus to resolve this collection XXXX XXXX XXXX  Account number XXXX. I have no knowledge of this collection and have requested by certified letter to all 3 bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report.

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 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the 3 bureaus to resolve this collection XXXX XXXX XXXX Account number XXXX. I have no knowledge of this collection and have requested by certified letter to all XXXX bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
My loan got sent back for underwriting and they found a judgement on my record which I paid 10 years ago off, I got the settlement statement. My loan officer said that that was the one thing holding me back from closing everything else is good. Then I get information that I need an explanation of credit stating their are some thing on their that need to be explained. I was under the impression that if they checked my credit twice why now in the final hour is underwriting having problems. I have sent doc. Several times only to have underwriting say oh we need something else or can you explain this it's like they wasting my time and now I am not sure if I will close after months of checking everything and them saying everything looks good and now it doesn't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NE

Complaint narrative:
I contacted PNC Bank on Monday, XX/XX/2021. PNC Bank said that my account was in the process of being closed. I just wanted to make sure that a cashiers check for the balance of {$3300.00} was mailed to my address : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hello I am writing regarding Chase Bank savings account number XXXX and two transactions on my account that were wrongfully reversed in the amount of {$35000.00} and {$16000.00}. 

I am a business owner and a customer deposited {$35000.00} into my chase account on XX/XX/2020 with deposit ID XXXX. Please see attached deposit slip and screenshot of my bank account. I called Chase bank to confirm the transaction was good and that a reversal was not possible before releasing the merchandise to the customer. I was told by Chase that it is impossible for it to be reversed. Furthermore, I went into a chase branch to have them double check everything was good and the associate assured me everything was in order order. 

The customer picked up the merchandise in store which was a XXXX XXXX XXXX, a diamond Cuban chain and bracelet totaling {$35000.00}. 

On XX/XX/2020, I noticed a withdrawal of {$35000.00}. I contacted Chase, I was told there was a fraud and my account was blocked. The bank manager at the physical location was shocked that this would happen but could not offer any further help. I was told to contact customer support. 

Furthermore, I had an additional {$16000.00} balance in my Chase account and when the account was blocked by chase they took that {$16000.00} as well. Totaling a {$51000.00} loss on my end. 

Since XX/XX/2020, I have been in constant contact with Chase and no one is able to help me. I have spent hours on the phone getting bounced from department to department or hung up on. Additionally, I hired attorney, XXXX XXXX XXXX, XXXX, and he also has not been able to get a response from Chase as well. 

What I have gathered from speaking with chase is the customer that committed the fraud had made a deposit with account ending in XXXX from XXXX XXXX to my Chase account. 

This is a very big financial burden, I have many bills to pay and being a small business owner, I can not afford such a loss. Chase should have never cleared the bank deposit if it was fraud and furthermore taken the additional {$16000.00}. 

Please contact me at your earliest convenience to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a Citi Priority checking account on XX/XX/XXXX to qualify for advertised promotional cash offers for new customers opening checking and Citiwealth brokerage accounts and making qualifying deposits. I arranged for funds to be transferred to the new checking account through EFT and ATM deposits, and also set up direct deposit of my XXXX salary in XXXX XXXX. To increase the amount of funds in my account to help to reach a promotional cash threshold, on XX/XX/XXXX, I also sold my second car ( a XXXX XXXX XXXX ) to XXXX and provided them with my routing and account number so I could receive the proceeds in my new Citibank account. XXXX deposited {$30000.00} into my account on XX/XX/XXXX. At that point Citibank " blocked '' my account. I called two different times and spoke to Citibank representatives and all that they would tell me is that the fraud department at Citibank closed the account and that the bank would be holding my funds for 60 days and then send me a check for the balance. I don't know why they did that, other than to use my money and not have to fulfill their obligation to provide the promotional cash. While it is within their rights, and their banking agreement states that they can close the account without warning or explanation at any time, it is unfair for them to hold onto my money for 60 days. 

Requests : 1. I would appreciate any assistance that you can offer to enable me to access my funds that are on deposit at Citibank immediately. 
2. I'm also requesting your advice as whether if I should be making a complaint at the FBI for wire fraud, since Citibank falsely advertised that I could obtain promotional cash for opening an account and making qualifying deposits.

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 2021-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc.
State: SC

Complaint narrative:
I never open this account in my name never heard of this account in my name I check my credit report seen this company on my credit and that's why I came here to report it never or heard of this account anyone can open an account in your name without knowing and I ask that this account be removed from my credit I don't have any knowledge of this account...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo reversed a claim i reported of my card being used fraudulently. i have a police report that documents fraudulently charge of {$82.00} and {$240.00} from a Hotel in XXXX XXXX IN. My card was lost/stolen to use these funds. I ask for a refund ASAP PURCHASE AUTHORIZED ON XX/XX/22 XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX CARD XXXX PURCHASE AUTHORIZED ON XX/XX/22 XXXX XXXXXXXX XXXX XXXX XXXX IN XXXXXXXX CARD XXXXXXXX

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 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UMB FINANCIAL CORPORATION
State: VA

Complaint narrative:
Opened a XXXX  XXXX XXXX account under the terms to receive a {$200.00} bonus after receiving a portfolio review. 

Portfolio review completed on XXXX XX/XX/XXXX Account opened on XXXX XX/XX/XXXX Received only {$100.00} bonus after contacting XXXX XXXXXXXX on XXXX XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened my card in XX/XX/XXXX and without warning they closed my account that was in great standing in 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 2021-12-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
So I lost my job during Covid so o reached out to this company macys about this so that I would accumulate interest on this account. I owed a total of XXXX dollars on this account. Now the bill is XXXX which mean XXXX hundreds of that is interest. I am still not working at this time but I was able to get my hands on XXXX dollars that I tried to settle with them. And they denied the settlement. I am still not working and barely being able to cover the bills at home to keep a roof over my head still with Covid going on. They continue to call me even when I tried to settle this 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 2021-12-22 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: MO

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: NV

Complaint narrative:
I have sent documentation to have this bankruptcy that is incorrect on my Transunion credit report removed. The bankruptcy on my Transunion credit report could lead to further damage to my credit report. I have sent a certified Ftc affidavit, and the response I got from the bankruptcy courts to Transunion. Transunion stated they " VERIFIED '' the bankruptcy with the courts and that is false and a lie. I have attached the letter that was received from the bankruptcy courts stating they DO NOT/DID NOT VERIFY report to credit reporting agencies nor do they report to third party agencies. Transunion response is false and a lie! I have attached the response I received from the bankruptcy courts with this dispute. Remove the erroneous/incorrect bankruptcy from my Transunion credit report. As a consumer I take pride in making sure my credit is correct. I will be seeking legal assistance if this issue is not resolved! Civil penalties, including nominal damages, actual damages ( including emotional distress ), and punitive damages, plus attorneys ' fees and costs, may apply where there is " willful noncompliance '' with Transunion.

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 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Alpha Recovery Corp
State: OH

Complaint narrative:
earlier in the year my ID and social was stolen out my car and my purse was trashed, i didnt think that they would use any of my information until i started getting letters in the mail saying i owe money ( {$2000.00} ) and ( {$120.00} XXXX XXXX XXXX they took out payday loans in my name XXXX XXXX & some app named XXXX XXXX? and getting XXXX letters from prepaid cards in the mail. to clarify i ONLY have XXXX XXXX XXXX. any other bank listed is not me. please help me im just so shook up because im only XXXX i dont want them distributing more of my information and ruining my credit. or them potentially making me go bankrupt. im really worried.i have the letters from XXXX XXXX  in person, my parents told me the best option was to contact you guys. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/21 my card was charged for {$20000.00} at XXXX different apple stores in XXXX XXXX days after I lost it at a bar in XXXX. I filed a fraud dispute and was credited the amount during the investigation. The bank then returned and denied my claim because I visited the store where the fraud was done and a PIN was used. The amount was put back on my card and is still there now 6 months later with no update to the claim. My response was its a credit card which has no pin and anyone who owns XXXX products which is half the world is subject to going to an XXXX  store. I then filed a police report # XXXX for them to pull the cameras and realize it was not me. Since the police report has been sent over I am yet to get an updated response and removal of the fees. I have called a few times and still no update.

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 2021-12-22 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: MD

Complaint narrative:
After disputing the validity of the debt XXXX XXXX with Account # XXXX says I owe them on the behalf of XXXX  XXXX XXXX XXXX. Sent me a letter stating they would be removing the debt from my report. I have not seen the debt removed and I am requesting that it is removed IMMEDIATELY!. I have attached the letter to validate and expedite the process.

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