vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have a Truist bank account that I only really use once in a blue moon, because my parents can quickly transfer funds over in case of emergency. I transferred {$4500.00} into the account on XX/XX/XXXX, and attempted to use those funds to pay a XXXX bill. The payment was bounced back twice ( most recently on XXXX, I believe ), with the reason given that the account had been closed. If I log in to Truist 's website, my account shows an available balance of slightly over the deposited amount, and makes no indication that the account is closed. 

I spoke with Truist customer service today ( XX/XX/XXXX ) and learned that my account had been placed in " inactive '' status due to me not using it for over a year- which is probably true except that I had successfully deposited {$4500.00} last month - and the ONLY way for me to remedy this would be to physically walk in to a branch and request a temporary debit card. The nearest physical branch is three states away, so obviously this is not an acceptable solution. Truist has effectively deprived me of several thousand dollars. I'd be fine with it if the inactive status didn't let me transfer the money in the first place. I'd even be okay if I had to call and have someone manually override the system. But this is unacceptable.

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 2022-03-18 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On Monday XX/XX/XXXX I submitted a dispute to my apple credit card company Goldman Sachs Bank, for a flight that was purchased from XXXX XXXX to XXXX XXXX for the date of XX/XX/XXXX of 2022. Because of COVID restrictions the country of XXXX was not allowing XXXX American Citizens or residents into the country, therefore I had to cancel the flight with a total cost of XXXX. When I tried to cancel the airline was not willing to provide me a full refund for this matter. So I turned to my credit card company to file a dispute. Since the credit card company took too long in the dispute process the time of travel passed and the airline denied me a refund, calming the tickets were issued, But my family and I Never traveled. So now there is a XXXX charge on my credit card for a flight that I did not take and could have not taken due to Covid-19 restrictions. After being denied the dispute I reached out to the credit card company again for help and they denied me any more help. All they did was open up two more disputes that resulted in the same final decision that they would not refund me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In XXXX of 2021 my college savings account was breached and scammed of over {$14000.00}. I immediately went straight to my bank and submitted files of fraud and talked with a representative over the phone who helped me summit my complaints of the fraudulent transactions and we made new accounts, passwords, and locked down my old accounts so that whoever did this was unable to do anymore damage. Ally also provided me the full provisional credit of the money lost while they were investigating the fraudulent transaction. When XXXX came, I was finalized roughly $ XXXX {$6000.00} worth of the money that was lost on the same date and time of the scam by the user that breached my account. However over {$9000.00} that was lost on THE SAME DATE AND TIME DUE TO THE SAME FRAUDULENT ACTIVITY TO THE SAME MERCHANT was deemed to be approved because I had " relationship with the merchant ''. This makes no sense whatsoever and is unfair to me as a loyal customer especially when Ally Bank is FDIC covered and I have never had history of such transactions or any problems like this before. These accounts are strictly used for college and college purposes only and my past transactions with these accounts clearly show this! I complained once more with Ally, and they told me to talk with the merchant and I did, and the merchant said that someone created an account under my name and basically catfished my identity. The merchant that this person used was a cryptocurrency service and said that they couldn't return my money because it is impossible... I've try working with Ally since XXXX to please help fix this mistake and they are unwilling to cooperate or change their decision. This is now my second complaint being summited to the FDIC and I ask for more to be done because this is an unacceptable loss of money by a bank who is covered by fraud protection. They even determined that whoever committed the fraud had internal access! Again, Ally 's dispute team is unwilling to work with me anymore and I ask that you please step in and resolve this huge mistake. I have read Ally 's documents and agreements and they cover % XXXX fraud protection GUARENTEE and they are FDIC covered of up to {$250000.00}. I can not except this and will keep sending complaint after complaint until this misunderstanding is resolved...

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 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My check was stolen from my mailbox, it was supposed to go to my mortgage company for my house payment. The theft signed the back of my check and deposited it to his personal account. I called Chase 38 days ago and she told me it will resolve in 30 days. I called again today on XX/XX/18 and they changed the story to 60-90 days to resolve this. I need my funds ASAP to pay this month 's mortgage payment. 
Chase XXXX : XXXX Amount : XXXX Check # : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 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: TX

Complaint narrative:
Experian 's client, XXXX XXXX XXXX XXXX ( XXXX ) loan was fraudulent due to XXXX. From the beginning XXXX was unlawful because they accessed my credit report without valid permissible permissible. XXXX based their permissible permission upon attached incomplete and undated application that even states incomplete applications would not be processed. But XXXX went forward with the fraudulent loan. I filed attached sheriff 's report but XXXX would rather deny and try to extort some payment from me as seen in attached settlement letter. Experian doesn't regulate and protect my information but just passes the buck on XXXX. Shame on XXXX and Experian.

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 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Closed on a mortgage for a new construction XXXX br/ba XXXX sq. ft. townhome on XXXX/XXXX/XXXX. The final disclosure added charges for the appraisal from the original estimate and wound up costing {$1500.00} for the appraisal! This was nearly {$1000.00} more than the appraisal on my {$2700.00} sq.ft. private home refinanced with Wells Fargo a year prior. 

I asked for the invoice from the providers. They sent me a statement which appeared that the service for the appraisal was {$450.00} and there was an additional {$1000.00} charge from the middleman that arranges the appraisal and invoices Wells Fargo. I said that the {$1000.00} charge for a PO and an invoice was absurd. They thought otherwise. 

The original loan estimate dated XX/XX/XXXX showed the following for the appraisal : {$790.00} for the appraisal {$18.00} for the credit report {$160.00} for a final appraisal The final loan disclosure dated XX/XX/XXXX showed the following : {$1500.00} for the appraisal They claim a {$560.00} lender credit for overcharges of the following : {$26.00} for overcharging on recording fees {$530.00} for overcharge on appraisal fees So they claim the original $ XXXX $ XXXX {$160.00} - Even though these numbers don't reconcile, they included {$160.00} for the final appraisal even though a final appraisal was never done and did not show up on the final disclosure as a line item. Even though I mentioned over and over again and they acknowledge a final appraisal was not done, they felt justified charging me for it. So at the very least, they owe me {$160.00}.

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 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
The bank rearranges my account balances reflecting in less money than what I calculated at the time am I spending. When fees are dropped from my account for example like returns, they are not reflected in my account but supposedly my money was refunded. That lack of reflection in my account and the rearranging of transactions lead me to believe that I had overspent and bank has charged me an overdraft fee. Then things later I still have an overdraft fee but my account has finished pending and I have money in my account but Im not able to dispute that overdraft fee. The bank is stealing money from people who live paycheck to paycheck like the majority of Americans. Leading the majority to believe that they have to pay these overdraft fees because of the banks systems through the online banking account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: MN

Complaint narrative:
I have had fraudulent activity where someone tried to apply for XXXX account XX/XX/XXXX and XXXX XX/XX/XXXX. My credit report is frozen, filed a police report, sent to TransUnion but they say the dont have it and wont remove the hard inquiries.

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 2022-03-18 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: ID

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXXK XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX bankruptcy discharged Reference Number XXXX Date Filed XX/XX/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 2022-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
I have told this company before that this number is to NOT be called but yet they still insist on calling over debt I supposedly owe. This morning XX/XX/2022 at XXXX XXXX they called. I told the lady that I was on the do not call list and she was confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Complaint : American Express / American Express XXXX XXXX - Purchased XX/XX/XXXX Originally purchases on-line vis Amex XXXX XXXX Purchase via my Amex Card... 
XXXX Card was delivered then lost. 
AMEX XXXX  Ref Number ( Case # ) XXXX Amex Receipt Number XXXX ( my receipt ) After many attempts and after being told by Amex XXXX that replacement was sent on XX/XX/XXXX none has been received. Told it takes 30 days. Have waited more than 30 days still no response. Contacted today XX/XX/XXXX and was asked to start this process again... 

Can you help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was looking at my credit report and I notice the following inquiries in which I don't have any accounts nor did I apply for credit with them. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: Southwest Recovery Services, Inc.
State: MI

Complaint narrative:
My identity was stolen. Please report accurate information. I have no knowledge of the accounts listed on the files below. It has damaged my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Opportunity Fund
State: MI

Complaint narrative:
My identity was stolen. Please report accurate information. I have no knowledge of the accounts listed on the files below. It has damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: FL

Complaint narrative:
It has been over 6 months that ai have been reaching out to Equifax regarding inquiries on my credit report. I froze my credit report as well. I have a lot of credit cards and I noticed that they companies are increasing my credit limit and pulling my credit report without my consent. I did not apply for any credit line increases. The following inquires on my report are not authorized by me and a I contacted Equifax via telephone also I have sent over dispute by mail and I am still having this same issue. I had another hard pull again that I did not authorize. Hard Inquiries Inquiries that may impact your credit scores. 
The following inquiries were made without my consent I already had open accounts with these creditors PRIOR to these hard inquiries and I have not authorized them to increase my limits or pull my credit file to do so. 

DATE COMPANY ADDRESS REQUEST ORIGINATOR XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Over the past several months, I have repeatedly asked Equifax to remove a bankruptcy that is inaccurately showing on my credit report. I have not only given them multiple examples of how the report is inaccurate ( dates, courts, XXXX ), I have also provided multiple laws that they are violating ( specifically MY PRIVACY ). I have contacted everyone that they claim that they have verified this information with, to which I have received confirmations where both entities state that they either do not report or do no longer have the information that Equifax is claiming. I am attaching all relevant information regarding this issue and would appreciate an immediate removal. It is a shame that they will not take full responsibility for their error, but continuing to LIE about said information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have deposited my payroll checks several weeks ago that the bank just now has said they are bad checks My debit card was stolen so now I am upside down by {$7900.00} The XXXX XXXX somehow rolled that into my Mother 's account The XXXX XXXX has given out my personal information without my authorization

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted documentation providing a new flood insurance on my policy and asking for a new escrow analysis. 
Was told one would be automated and sent to me. 
Two days later I called back asking for an update and was told by a different customer service rep that escrow analysis were done once a year. Then transferred to a supervisor and told I should just email a hardship request to have the escrow amount spread out over a period of time, that way my payment would go down.

I emailed the given email with the request then checked back a couple of days later to ensure delivery and was told by a csr that I have to handwrite the letter and the request for hardship hasn't even been forwarded to anyone. I explained to this csr that all I wanted was to have the escrow reanalyzed. I then asked what it would take to close the escrow account completely and she told me that due to the nature of the loan, it was impossible. She assured me that the request for reanalyzing my escrow was open and it was being expedited and told me to call back on the XXXX of XXXX. 
Called to check status on the XXXX and was told by csr that the escrow analysis request was open but not completed, and she wanted to transfer me to the insurance dept to get more info.

Spoke with csr named XXXX  who informed me that there was NO open request for analysis but she could open one and it would take 4-10 business days to complete and then I could wait on a letter from the escrow department regarding my new payment. Asked to speak with supervisor. Supervisor reiterated the same thing, that no analysis was open already and I'd have to wait. She then forwarded me to her supervisor named XXXX XXXX. Who let me know that all of the previous CSRs never opened an analysis and that " 4-6 more days isn't that long to wait '' even though I've been waiting since the XXXX. 
I inquired again about closing the escrow acct in it's entirety and was told federal laws would not allow that with my flood insurance and it would take 5 or so business days to find out if my homeowners insurance would be able to be out of an escrow account and I'd have to be transferred to another department to inquire about taxes.

This company has been disrespectful and deceptive and has lied about my money numerous times. I request this mortgage company and their practices be audited to save consumers valuable time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal Credit Union has made multiple errors on my account My account now is frozen for no reason

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA closed my account and told me funds would be sent within 30 days. I have since contacted them multiple times and they can provide me no information regarding when the funds will be sent to me. It has been nearly 60 days and they continue to provide no information regarding fund distribution. They continue to act like they dont know what is going on with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation