vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Social Finance, Inc.
State: FL

Complaint narrative:
I opened a credit card with SoFi and earned XXXX reward points from this card, which according to their Terms and Conditions I should be able to redeem as {$160.00} to my checking account. 
When I contacted them for redemption- they told me that I need to combine my credit card account ( registered to XXXX ) with my checking account ( registered to XXXX ) and they created a technical request to do that. 
When they combined these 2 accounts into one ( XXXX ) I discovered that they moved my credit card to this account, but they have not moved my earned points. So now I have my credit card registered on XXXX, but my points on XXXX, so I can't redeem them at all. 
I contacted them multiple times, each time I had to spent 1-1.5 hours on the phone, explaining this problem. Their customer service have people with zero understanding and zero willingness to help. All they could do- they created a technical case to move my reward points from old account and promised to call me back. That happened twice. And both times nobody called me back and I received emails like this : " This email is to inform you that the technical issue ticket you reported most recently via ( OIS Ticket # : XXXX ) has been determined to be closed and/or resolved. '' I conclude that they have zero respect to their own customers and zero responsibility to honor their own Terms and Conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, I received a text message warning from Wells Fargo stating that my card had been declined at XXXX and to type Y if this charge is correct and XXXX if the charge was not authorized. I typed XXXX and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at Wells Fargo. The agent asked me to provide the credentials for my Wells Fargo XXXX account to prevent unauthorized XXXX transfers. Once the agent verified my information, they had me initiate 7 XXXX transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent XXXX transactions. The agent took {$3500.00} from my account. Simultaneously, I realized that I was speaking to an imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called Wells Fargo and spoke to a representative that started a claim for me and attempted to transfer me to the XXXX department and the wait time was over an hour. I spoke to the fraud department on XX/XX/2021 and the representative deemed the transaction authorized since the XXXX transfer had been sent to a XXXX XXXX XXXX with my name on that account. I have no association with the XXXX XXXX XXXX and do not have a XXXX account with XXXX XXXX. The person stole my identity and linked my name and cell phone number to their account. The XXXX website states Please note, you can only change your email address/U.S. mobile number to another email address/U.S. mobile number already on file with XXXX. Your checking account linked to your XXXX profile can only be changed to another eligible checking account linked to your XXXX or XXXX XXXX profile. I do not have a XXXX checking account. I contacted XXXX fraud department on XX/XX/2021 to report this fraudulent transaction. I filed a report with The XXXX XXXX Police Department on XXXX XXXX, citing identity thief. The imposter used my name and mobile number fraudulently on an account and the transaction is unauthorized due to this fraud.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 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: FL

Complaint narrative:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeatedly asked for 5 years for the permissible permission from me that allowed Experian to give my private information to XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/2017. Experian continues to decline while suggesting I am asking about an inquiry which I know doesnt exist on my credit report. It doesn't exist because it was more than 5 years ago and the permission doesnt exist because I never gave permission. This unlawful inquiry led to a fraudulent loan.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been targeted in FRAUD. I received a letter of Insufficient funds/returned items from BMO Harris bank . I did not have an account or opened an account with BMO Harris Bank. I wasn't aware that an account was open in my name until I received this statement of insufficient funds. The fraud amount was {$1400.00} with the balance amount of {$1800.00} according to BMO Harris records. This is FRAUD. This person should be Penalized... Please Advise.

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 2022-03-14 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: SC

Complaint narrative:
I Was taking advantage of due to malpracrice while several laws have been broken under the FCRA by your company.This has caused me financial injury and deformation of character. This is preventing me from applying for credit and getting loans

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 2022-03-14 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: SC

Complaint narrative:
I Was taking advantage of due to malpracrice while several laws have been broken under the FCRA by your company.This has caused me financial injury and deformation of character. This is preventing me from applying for credit and getting loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for a Chase card on XX/XX/2022. I called today XX/XX/2022 to find out my application has been archived because its been over 30 days. I found out that there was some incorrect information on my credit application but I was never notified of the application. 

I was told to reapply - my credit is excellent but the issue is that hard pulls on credit reports can impact your credit score. Seems strange to not notify your applicants of issues or perhaps not deny them after those 30 days. I believe ECOA laws prevent this from happening after the 30 day mark. 

I would love any help and hopefully this isn't happening to anyone else if there is something strange going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
So last month XX/XX/2022 I opened up an account with chime checking and savings account I first deposited {$250.00} on the XXXX and another {$100.00} on the XXXX which gave me {$350.00} they would not let me open the credit building account because I wasn't doing a direct deposit with my full income so I decided that I did not need their services and I wanted to go ahead and transfer the money back to my account that it came from originally and when they close the accounts they tried to send it back to the account through time that was closed and it was denied I called them to see if we could fix it and they told me no because they account that I had opened they got the money from was canceled and I needed to reopen it I talked to my bank and they'd never heard of that account number like I did I never heard of it and they told me my money was stuck in credit limbo when I talk to my bank they told me to call him back and ask for a tracing number they would not provide it for me so I'm out {$350.00} I'm a low income family with my XXXX children thanks a lot chime

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP
State: IA

Complaint narrative:
My leased vehicle is at the end of it's lease and I am trying to purchase the vehicle. I have been trying to call Honda Financial Services for the last week to get a payoff amount for the vehicle because the company who is doing the financing needs this information. This information is not available online and XXXX states I need to call in to obtain. I have been called multiple times and have been put on hold for over one hour. I do not have the time to continue to call in and wait and there is no indication from XXXX on how long the wait times are and there is no option to schedule a call back. 

I've tried alternative routes through the phone such as not entering my account information and the automated system tells me that they are not open. These call have taken place during their normal business hours so this appears they are trying to avoid customers who do not have their account information available. 

This is very concerning that I can not get ahold of anyone to take care of a financial matter. This is most likely costing me money in interest and other fees and is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: FL

Complaint narrative:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
On XX/XX/2022 I applied for assistance to get my mortgage paid. I was approved but my mortgage company pennymac is not partner with mshda-mihaf program so I am unable to get assistance. I was told by the program to contact my mortgage company to have them participate in the program. They act like they didn't understand and just telling me to tell mshda to just send yhe payment, i tried to explain the situation but no results. This program is willing to assist me with mortgage I am about to get laid off from my job and I know I do not get unemployment because I just started I need this assistance. Because I am on a modification right now and I can not afford to lose my home. Covid has put me behind alot, I just can imagine any one else in Michigan who has pennymac and can not get assistance and the money is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC

Complaint narrative:
My name is XXXX XXXX, I have a mortgage with Carrington Mortgage, Loan No XXXX. 

The Carrington Mortgage website has been down for at least 3 months, so I am unable to access my online account.

In addition, I have tried calling twice, and each time they hang up on me as there is no customer service representative available. 

I need to contact the mortgage provider in order to obtain my tax form so I can file my taxes. I had similar problems last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Amount is for {$260.00}. which I do not owe. /the representative has asked me to dispute debt directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: TX

Complaint narrative:
TransUnion has failed to complete a proper re-investigation into my disputes. I have submitted multiple disputes for the same account over the past few months and the company continues to only state that the account is " updated and verified as accurate ''. H How can an account be verified as accurate when there are obvious inconsistencies being reported. Transunion has violated my FCRA rights and are NOT completing proper investigations. 

How can an account be opened AND be reporting as 120+ days late in the same month? Make it make sense. I have given Transunion ample time to correct this obvious incorrect information and they have chosen to blatantly NOT investigate properly. This account is continuing to cause harm to my consumer credit file based on the negligence of 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 explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I wired {$230000.00} USD to XXXX XXXX XXXX XXXX in XXXX. My business banking relationship is with Suntrust Bank which is now Truist. The recipient bank is XXXX in XXXX XXXX but the send thru bank is XXXX XXXXXXXX XXXX. On XX/XX/XXXX I was informed that the transfer was not completed and that the funds were returned. I have been visiting my banking institution every single day since that date because the funds have yet to be credited back into my account. I have spoken to the manager and several other bank associates to no avail. It is now XX/XX/XXXX and the funds are still missing. I feel Truist is not treating this with the utmost urgency and give me the run around each time. I need your assistance in recuperating my money because now they say XXXXk XXXX XXXX ( the send thru bank ) is retaining the funds. The question is why? And why is it taking so long to credit the funds back into the originating 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 2022-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc.
State: MD

Complaint narrative:
I totaled my used XXXX XXXX on XX/XX/XXXX which was/is financed through Carmax Auto Finance XXXX My car insurance is through XXXX. 

The vehicle was declared a total loss and after contacting Carmax for the payoff on XXXX XXXX issued Carmax the full payoff for {$34000.00} and XXXX issued me the remaining {$20000.00} for my loss settlement. 

Carmax claimed they never got the check so we sent it again on XX/XX/XXXX for {$34000.00}. 

In the mean time I paid CARMAX for XXXX and XXXX payments of {$680.00}. 

Both XXXX and myself has called carmax a plethora of times between XXXX, XXXX and XXXX as I want this loan/credit trade line removed from my credit report so my score updates. 

Throughout multiple conversations with multiple representatives they told me I'd be getting a refund for my warranty and GAP insurance and advised me to turn off auto pay since they are not reporting to the credit agencies anymore. 

They did not cash the second check sent to them all of XXXX so XXXX contacted them and they told us we had overpaid that's why the checks kept not going through from XXXX to Carmax. After XXXX received the updated payoff from Carmax ... a third check was cut to Carmax Auto Finance from XXXX on XX/XX/XXXX for {$30000.00}. XXXX on XX/XX/XXXX then issued me the difference of {$4300.00}. 

Carmax Auto Finance then mailed ME a check for XXXX in the middle of XX/XX/XXXX?? 

The last time I called them was on XX/XX/XXXX where none of the representatives still have an answer. They claim they are still trying to reconcile the account and something was looking off where it shows I still owe roughly XXXX. There is NO REASON there should be this many money exchanges ... or this account still hasn't been fully closed. No one at Carmax ever has an answer and earlier this month they said they are " still working on it '' and someone would call me. Carmax has not called me at all. My insurance claim and account with Carmax are both still open and what is possibly taking them 4 months to close a simple account we have tried to close correctly?

Company response to consumer: Closed with explanation