vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: NJ

Complaint narrative:
We applied for a conventional refinance on XXXX XXXX and were pre-approved that day, then paid to lock in the rate and spent hours uploading documents. My income comes from self-employment with over 20 years of history ; and my income had dropped more than 30 % from XXXX to XXXX because I had an unusually busy year in XXXX and then business declined due to the pandemic. Our income was still sufficient to qualify for refinancing - and my income increased substantially this year, documented by XXXX XXXX XXXX XXXX reporting and copies of bank statements showing client deposits for my services. We also have documented assets of more than 7 times the amount we sought to borrow. " Better '' underwriters decided to exclude my income totally, citing compliance with XXXX regulations. I contacted XXXX and learned that they provide guidelines, not regulations. Our credit rating has consistently been in the excellent range ; we have never missed a payment on anything and consistently prepay mortgage principal ; and when I requested a denial letter to send to XXXX, the " XXXX '' staff would not state that they excluded my income. I believe I am being discriminated against because I am self-employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
We have been declined XXXX to XXXX times regarding the fraudulent transfer of funds through XXXX. I filed complaints through XXXX as well. The phone numbers are now all blocked on XXXX due to fraud. 
My bank fraud number last rejected is # XXXX. I have requested their documentation for the investigation, they have not provided the information. 

Here was the issues ; On XX/XX/2021, their was XXXX transactions which were fraudulent scam, the parties disguised themselves as XXXX, which they were not. The information is as follows that I received XXXX value from : XXXX. ( XXXX ) transactions in the amount of XXXX to XXXX XXXX XXXX phone number XXXX ) disguised as XXXX XXXX, totalling {$2100.00}. 

XXXX. ( XXXX ) transaction in the amount of {$660.00} to XXXX XXXX XXXX ( phone number XXXX ) disguised as XXXX REFUND Police report was filed immediately the same day with XXXX XXXX Police Department, where I live, the case is now with Detective XXXX. His investigation has turned up with many aliases to these scamming parties. The police Detective was also reached by the same scammers personally to get access to his accounts. I did not receive any products or anything from the transactions. 

FDIC reviewing a bankEvery fraud transaction is applicable to XXXX XXXX regardless of who pushes the button. 

Unauthorized Electronic Fund Transfers and Error Resolution, Question XXXX, electronic fund transfers ( EFTs ) initiated using account access information obtained through fraud or robbery fall within the Regulation 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 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Paypal limited my account last XXXX. It was supposed to be released after XXXX  days. That was in XX/XX/2021. They then stated it would be available in XX/XX/2021, to which it still was not. I'm very extremely frustrated at this point. They've held {$10000.00} for a year. This is breach of contract and I want and desperately need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX $ XXXX Opened : XX/XX/XXXX DSNB XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX DSNB XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
XX/XX/2021 I sold my condo XXXX XXXX XXXX # XXXX, XXXX, MA XXXX. At the closing, my attorney held {$1000.00} in escrow until filing of documents at XXXX XXXX XXXX of Deeds. Unfortunately, the XXXX on the title to XXXX XXXX XXXX # XXXX, XXXX was filed XXXX ( both sides ) as : Recorded land = Book and page XXXX also Registered Land = Document Number XXXX. 
My LoanCare account XXXX. 
I have called weekly since XX/XX/2021 to explain this situation and ask that it be corrected to INCLUDE document number XXXX. I have sent several emails to XXXX and when I receive a response, it is ALWAYS Thank you for contacting us! Your inquiry has been forwarded to the team of specialists experienced in resolving your issue. Our hours of operation are from XXXX, XXXX A.M.- XXXX P.M. Eastern time. We will provide you a response as quickly as possible. 
Sincerely, XXXX XXXX Department XXXX ID XXXX The latest letter I received in the mail was dated XX/XX/2021, stated We have performed the following action on your account : We have received and acknowledged your Recorded Satisfaction Document Once again, they have NOT done what is required of them. Now, my attorney XXXX, who has also written to Loancare with specific instructions to discharge the mortgage has not heard from them. The buyer of XXXX XXXX XXXX # XXXX XXXX has threatened to sue if this title is not cleared. I have spoken with the title company : XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Ext : XXXX Email : XXXX. She told me she can not clear the title until LoanCare specifically sites the documents number XXXX. 

Everything I have explained here, is what I have repeatedly said to whomever answers the phone. I have asked to speak with supervisors and the answer is you claim is being excalated. 

Any help is most appreciated.

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 2021-11-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My company had sent a wire from a business account on or about XX/XX/21 in the amount of {$4100.00} to JP Morgan Chase bank, commercial customer. The wire was sent with a typo in the account number, which we take responsibility for. The rest of the information was correct and accurate. Chase credited the funds to a recipient that did NOT match any of the information on the recipient details of said wire other than the account number. The sending financial institution reached out to chase multiple times immediately after this occurred with no response from chase other than : We are getting permission from our customer to debit the funds. Chase does not need the customer 's permission to debit said funds as they were credited erroneously to Chase 's customer. 

Chase was NEGLIGENT in not verifying a single piece of information on this wire and allowing it to flow through instead of rejecting same for a mismatch. This is a tremendous liability on XXXX issues as well as anti-money laundering checks. The fact that a wire can disappear to an unknown recipient 's bank, with no recourse is terrifying and Chase should be sanctioned for this and liable to return funds to the originating institution. 

Further, if for some reason Chase is not willing to do this or CFPB decides Chase is not liable, then, at a minimum, Chase must disclose the receiving party name, XXXX, address and phone number to the sending Financial Institution. Being that this recipient is committing acts of fraud by keeping said funds, in addition to unjust enrichment under civil law, Chase is duty bound to forward those details, so that we XXXX initiate suit in the relevant jurisdiction against said unknown recipient, which I fully intend to do. I am hoping someone at CFPB can get Chase to wisen up and act properly. 

Chase likely is short staffed and overworked which is why they let t things through without so much as a glance from a human in an effort to save costs, Well, there are costs to those they serve!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
They claim to be a law firm XXXX XXXX XXXX. Called my family in XXXX gave information that I had a claim number to called their attorney at XXXX XXXX XXXX. I live in XXXX so my family called and gave me the info. I called they said they were taking me to court or filing a judgement against me for a breach of contract on a personal loan with one financial loans in 2016. I never applied for a loan with one financial I asked for original note and they said they will send it when they serve me with paperwork in my county XXXX XXXX. They said their address is XXXX XXXX XXXX in XXXX XXXX XXXX. They also hanged up when I started to ask more questions. I did not have credit for a long time until 2 years ago. Divorced, lost job and went thru a lot for almost 15 years. No way I can get a loan in 2016 I had no credit. They say the personal loan is for 3500.00 they can check my bank never had that loan deposit to my bank and never cashed a check for that amount. I called XXXX Bar for attorneys they are not listed. Other similar complaints showing on notes web site by same XXXX firm charging people with not owed debts. Googled phone is registered by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America offers an Overdraft Protection service that allows for automatic transfers from your savings into your checking if the checking gets into an overdraft situation. If Overdraft Protection posts a transfer Bank of America charges a {$12.00} fee. Prior to XXXX, XXXX when Overdraft Protection was initiated, but not posted, if you made a transfer or deposit into the affected account prior to the transactions in question posting the Overdraft protection would not post and no fee would be charged. However now, even if you transfer or deposit funds into the account to cover the pending transactions, Bank of America still moves forward with the overdraft protection transfer and fee. 

For example, I had a debit card transaction initiated on Saturday XX/XX/2021 that was potentially going to cause an overdraft. Bank of America put a hold on the amount of the overdraft in my savings account preparing for the transfer. When I checked my account on Sunday XX/XX/2021 and noticed the potential overdraft I manually transferred funds from my savings into my checking to cover the transaction. In past my manual transfer would have essentially cancelled the overdraft protection transfer. However at the end of the day on Monday XX/XX/2021 when all the transactions posted my account the unneeded overdraft protection transfer went through and i was charged a {$12.00} fee. After hours on the phone with Bank of America and speaking with XXXX different senior supervisors informed that Bank of America did in fact chnage their Over Draft Protection process in XXXX XXXX XXXX. And they could not confirm that any notice was sent regarding the changes to any customers enrolled in the service. 

Another concern I have is that Bank of America freezes savings account funds in order to potentially prevent customers from manually transferring funds into checking accounts to avoid the fee. Lets say you have {$110.00} in your savings account and XXXX in your checking. A transaction posts to your checking in the amount of {$100.00}. Bank of America is going to put a " hold '' on {$110.00} in your savings ( {$100.00} for the transaction and {$12.00} for their fee. With this hold in place the customer can not transfer the funds manually or withdraw the funds to make a manual deposit in there checking to avoid the {$12.00} fee. 

In my opinion the bank has engaged in deceptive practices in order to gather fees. I have since turned my overdraft protection off. I strongly urge this agency to investigate Bank of America regarding their Overdraft protection process and fees.

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX 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 Equifax XXXX XXXX the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} FXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XX/XX/2021 I borrowed XXXX from Coinbase, through there new Borrow feature, just to see how it worked. I payed the loan back, XXXX days later, way before incurring any interest. When I clicked submit payment there was an alleged network error and I had to re-submit the payment XXXX times until it said that it went through. 

A day later I checked my bank statement and found out that XXXX had taken XXXX, XXXX times. 

When I submitted a complaint and evidence of the mistake, XXXX asked me for transaction records, when I provided them I was ghosted. 

This company has no problem putting people in financial jeopardy when they make a mistake and that is not ok. 

This company is too big for its own good and is XXXX over honest, hardworking people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
My wife and I both filed for bankruptcy in XXXX of XXXX. XX/XX/XXXX Affirm approved me for a line of credit to purchase a TV on XXXX 's website. The TV was about {$1800.00}. 12 monthly payments were paid, on time, to Affirm. Since then Affirm has closed my account. XX/XX/XXXX my wife and I applied with Affirm again. My wife got approved and I did not. Affirm says the reason for my denial is because I " have filed bankruptcy. Our decision is final ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent in certified letters to Equifax indicating proof of the discrepancies on my credit file from the month of XXXX up until XX/XX/XXXX. Do you know they send in a letter dated back to the month of XXXX that indicated items were confirmed! Even copies of paid proof and fraud dating back to XXXX cause my purse was stolen. Not sure if Equifax is biased or they just procrastinating being slothful or what and just sit there and keep doing whatever they want to do ; when I have sent in substantial evidence to this bureau This in XX/XX/XXXX the credit reporting agency continued to give out incomplete or inaccurate information after you requested correctionsconsider filing a lawsuit. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), I may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Depending on the violation, I might be able to win actual damages, statutory damages, punitive damages, court costs, and attorneys ' fees. Because each time I sent certified letters it was {$18.00} each time dating back since XX/XX/XXXX, also gas to and from. The mental anguish of dealing with the bureau has not been easy at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Received card took me 3 calls and around 2 + hours to set up an automatic bank payment on card. They didnt take automatic bank payment on the first payment I called up to check on a promotion they offered for 100 dollars after I spent 1000 dollars on the card. The first message I received said this call would be an attempt to collect a debt. I found out they had my information and didnt use it to collect my payment affecting my credit score and the terms of the credit card they issued me which was supposed to have 18 months interest free.

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 2021-11-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results, this is unacceptable and needs to be resolved ASAP.

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 2021-11-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results, this is unacceptable and needs to be resolved ASAP.

Company response to consumer: Closed with explanation