vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am very upset with this issue. I sent a letter to the creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I submitted a claim with Bank of America on XX/XX/21 because I was unable to make purchases at 2 different merchants. Once I called I was told I had a balance of XXXX cents and I knew I had a balance of {$240000.00}. I gave the rep my information and was told that I would receive a call in 2 days. That never happened so I called back and was informed that the claim was never submitted. At that point, I lost all trust. I called the next week and was told my claim was submitted for {$750.00} and that was the wrong amount. Its been a nightmare since that point. I have spoken to at least 40 reps, supervisors, and managers. No one is consistent with their information. I have emailed, texted, and direct messaged Bank of America. I have asked for a corporate number and they respond by saying there is no such number. I have gone into the Bank Of America branch and they informed me that they can not help me because it is my unemployment card. I spoke to ( 2 ) people on XX/XX/21. XXXX who is a manager and XXXX who is a supervisor and they assured me that an escalation had been submitted after having being told by at least 10 other reps that it had already happened and that the disclaimer states they have 30 days to respond to it and return my money. I have been credited {$1200.00} but am still owed {$1100.00}. I spoke to a supervisor today named XXXX and she told me they are still working on it and can not assure me of the XX/XX/21 deadline they assured me of on XX/XX/21. I have exhausted all my resources trying to resolve this and Bank of America has been lying to me since XX/XX/21 and the investigation proved my account had been compromised of XXXX XXXX in the amount of {$2400.00}. My bills are beyond behind and they continue to spin their web of lies and make mistake after mistake after mistake and I feel they are purposely doing this and will not release the remainder of my money. They also submitted at least 30 complaints that are probably sitting on a desk somewhere.

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 2021-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I placed an order for XXXX in the amount of {$600.00} with XXXX XXXX on XXXX and paid with XXXX through Chase online to this gmail address : XXXX. Once I made the payment to the email, I immediately had a weird feeling that they were a scam. Within a few seconds, I called Chase and asked them to cancel the payment.

Chase told me that XXXX is a third party App and I need to contact them. Chase is not able to help me. I was very confused by this. I called XXXX, they only had an automated voice recording which basically said that if I am calling regarding a transaction made through my bank online, I should contact my bank. So, Chase is telling me to contact XXXX and XXXX is telling me to contact my bank. In the meantime, I lost {$600.00} because neither you or XXXX would help me. 

I called Chase several times, and they kept repeating the same thing. I need to call XXXX because it is a third party App and they don't have anything to do with it and there is nothing they can do. I was quite surprised to see that Chase is offering something through their website that is this awful. Do you know that all XXXX does is say to contact your bank if you made the transaction through your online account? And Chase is just making their customers go in circles because you keep telling us to contact XXXX if the payment was made through XXXX. 

I can't walk past a Chase bank without seeing big posters of XXXX with the Chase logo on it. This is the reason I used XXXX in the first place. I thought using something that Chase is offering would be more secure. It would be easier to cancel or dispute a transaction. I would have never used this if you are not going to support any customer service that they can't provide. 

I looked into XXXX further and it is owned by Early Warning Services which is owned by a private financial company that is owned by several banks including Chase! When I call and you tell me that you can't help me because XXXX  is a third party App, this is a lie. That third party is Chase. I lost {$600.00}, had no help from Chase or the XXXX which is owned partially by Chase. How can you say that you have nothing to do with the 3rd party App when you are partial owners of it? 

I can't get to a live person on XXXX. I filled a scam report with them where they basically said they will forward it to the receipient 's bank. I doubt anything is ever done. 

I called Chase to file a dispute but when I called on XXXX XXXX they said the funds transfer immediately and when I called on XXXX XXXX to see what else can be done they said it's already posted so they can't do anything. 

How is a bank like Chase offering an app through their site they financially back and offer no fraud protection?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: GA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have several family members that are managers for collection agencies. Once you the collection agency buy a debt from the original creditor its paid for. Southwest Credit please show me where I have a contract with you and really need to see my signature. I have sent you a certified letter on XX/XX/2021 needed proof of that contract. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to be reported on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. 
*Violation of the Fair Debt Collection Practices Act *Defamation of Character I received an letter from Southwest on XX/XX/XXXX and 2 days later it was on all three credit report. This is horrible. How you going to put something on someone's credit and that consumer never had a signed contract with you. Please delete this now. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Vehicle was paid off on XX/XX/XXXX they are reporting loan still active and late for XXXX. I have made four calls and disputed with all three credit agencies. Still showing active and late payment. Today the denied us for a new loan for another vehicle. I have hit road block after road block with this issue. 

Company is 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 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
i Iam a XXXX XXXX year old man who lives on SSDI and my Mother whom is a XXXX year old widower woman we both depend upon our social security money to survive and buy food and other needs i was struck by a train 20 years ago she is my caregiver my XXXX year old mom then this bank that is completely erratic in polite and is totally wrong on how they think they can play with peoples money that in fact i or we do not even owe them a cent they owe us and they are refusing to give us our money deposited into their bank by the federal government which in fact is financial exploitation. No one Not even the XXXX office gives us a reason other to say they blocked our accounts and not letting us have access to our funds from the Government is a disgrace against The United States of America period. Who in XXXX  name do they think they are that they can hold over {$3000.00} of our monies just for sake off argument if we even and Do Not owe them anything. they can not make this rule hang onto our monies and say they will send us a check in the mail in 60 days is a real blow to mankind. This Guy who heads this bank XXXX XXXX the Chairman of the Board if you read this message hear this loud and clear read up and it says clearly Financial Exploitation or with holding money or medication in lawfully without justification and against a XXXX home care patient and a elderly senior citizens persons is a Federal Crime in the Great state of Illinois and i will reach out to the district attorney and attorney General and use their power to see you are arrested on this Federal Charge. i spoke to your secretary after writing yous and this must be retaliation on your part because i reported yous before to CFPB this same place and you were wrong then and are wrong now. you never even sent me a notice everyone i spoke with tells a different story everything i sent yous all the proof that we were taken advantage of y this payday loan company was sent fax by your own branch of chase bank hows that we had some issues with charges after the fact and the bank says file a dispute we did what they told us and the bank ruled in our favor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP
State: OH

Complaint narrative:
XX/XX/2021 I applied for a cashout mortgage to pay of credit card debt. My current mortgage has FHA mortgage insurance and my credit score is now high enough that I can remove that cost, and the savings would allow most of the then {$32000.00} credit card debt to be paid off. 

The timing was 3-4 months to close.

Expecting that timing, I paid half down for a fence ( {$8000.00} ) and was then told I needed an appraisal. I had one done not so long ago, however Key was insistent that this was needed for a cash out. I have found this to be true from other lenders. The appraisal came in {$270000.00} and the statement, " XXXX ; No updates in the prior 15 years ; The kitchen and bathroom are dated. Some of the interior decor and flooring are dated. The basement has some dampness which is often typical in these homes. There was no standing water or foundation damage. The estimated cost to waterproof the basement is {$10000.00}. The third floor is treated as a line item instead of being included in the overall GLA since its value contribution is far less per square foot than the first two floors. Also, public record often does not publish the finished area GLA. The wood shingle exterior is ready for paint. '' The interpretation of this was that I MUST waterproof, and the cost was {$11000.00} and could not be done until XXXX. So I had to use IRA money and credit cards to pay for the waterproofing and other maintenance. 

I also have come to understand that there is some leeway in the interpretation. Even after paying for half the water proofing Key was adamant about not closing until waterproofing was complete. Nor would they use the appraisal less the amount of waterproofing for a loan. 

I was not adequately informed about the consequences regarding an unfavorable inspection, I've had several appraisals for this house and also other property I've owned and have not had any adverse information. 

I was told to use my Key XXXX XXXX and Credit card, current credit card debt is {$59000.00}. I am now not getting any answer from the appraiser and after that was told it would be several more weeks for underwriting to approve. And using my past experience with this, I'm anxiously awaiting what other cash layout awaits me. 

I also believe some of the strict underwriting rules need to be reexamined to accommodate retirees with substantial XXXX, pension in lieu of working monthly income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: RS Clark and Associates, Inc.
State: NE

Complaint narrative:
My mother had gone to the doctor and my father, who has the same name as me, was supposed to pay off the rest of the bill for the doctor with his insurance. My father was in XXXX at the time and the debt collector of RS Clark and Associate, looked under my mothers relatives and saw that I had the same name as my father so they did not look to make sure it was him and charged me with the bill, and I never knew because I was gone in college at the time and they thought they billed my father. I did not know until I got a alert from my bank that my credit had dropped 44 points for a closed account that I never opened and when I called the debt collector they told me that they could not do anything but make me pay for it and it will take at least two months to get off my credit, when it was their fault that they charged the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
On Sunday XX/XX/2021 I placed an XXXX order which is funded by my PNC debit card ( recently Compass bank ). I cancelled the order within an hour. XXXX acknowledged the cancelation and said they don't debit the account until the item actually ships. Online I was able to see the hold PNC had placed for the {$350.00} for said purchase. XXXX contacts the bank and has a hold put on the purchase amount, but does not actually transfer the funds until the purchase ships. I had the bad fortune to make this transaction as PNC was switching all Compass accounts. I have been in the physical bank on 4 occasions and on the phone numerous time to no avail. I have been put on lengthy holds and twice disconnected. The branch manager filed an escalation for me, but I can get no information on it's status. I spent over a month now trying to resolve this issue with the bank. It is now time to escalate the issue to the banking authorities. 

( my PNC account # is XXXX to help in tracking this issue )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent several requests to the credit bureau, exercising my rights as a consumer to fair reporting. They have not complied with my requests nor have they completed a timely investigation. There have not been any correspondence with regard to my request for verification of what is reported on my credit file. There are several errors that have not been resolved, nor have I received communication within the 30 days.

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 2021-11-05 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: FL

Complaint narrative:
I have sent several requests to the credit bureau, exercising my rights as a consumer to fair reporting. They have not complied with my requests nor have they completed a timely investigation. There have not been any correspondence with regard to my request for verification of what is reported on my credit file. There are several errors that have not been resolved, nor have I received communication within the 30 days.

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 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The bank Wells Fargo regarding account ending in XXXX where the bank committed the act of diversion of funds and stole my atm deposit of XXXX dollars dated XX/XX/2021 the adjustment made the same day is dictated not to be related to the deposit itself the bank has harrassed myself in resolving the matter and has committed the theft of fund once before regarding a check with an outstanding balance of several million dollars. The department of treasury contacted an issue related to the check and its theft. The outstanding balance was confirmed by its issuer XXXX  XXXX XXXX for the initial act of theft the bank has perpetrated against me. I have the bank statement to prove the diversion of funds.

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 2021-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
From XXXX XXXX XXXX an individual going by XXXX would message me through XXXX and eventually phone number ( XXXX XXXX ) XXXX saying to deposit checks ( {$490.00}, {$490.00}, {$490.00}, {$490.00} ) sent by his accountant 's assistant XXXX XXXX ( XXXX ) and then transfer some of the money to his nephews and his friends via XXXX ( XXXX ; XXXX XXXX ; XXXX XXXX ) and to keep the rest. However, one of the checks finally bounced, finally got the guy on the phone ( and he sounded unfortunately not like what the guy would sound like on instagram ; e.g., sounded XXXX and the XXXX was a XXXX  guy ). We were texting for about four days and his situation sounded legitimate, he wanted to help pay one of my bills, in exchange for me texting him and giving him " companionship '' and I mentioned as long as it's just friends, I'm happy to help. He made excuses like, oh I'm going through someone stealing my identity so that's why I can't make the transfers myself and my back has been reported so that's why your check bounced, but when I finally said that I'd be reporting his number and emails and account to the authorities, he said " Ok '' and blocked me on XXXX. I've attached the checks they sent and one of the back ( the back was all the same ).

Company response to consumer: Closed with explanation