vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX. 
On XX/XX/2021, I received texts and emails from Citibank notifying me that my account was being charged from another state. As soon as I click NO on the YES/NO quick respond feature, I received a phone call from Citibank Fraud Protection Department , a male  agent told me that this conversation was recorded and my account was temporarily blocked and a replacement card will be sent to me in a couple of days to my verified address and he instructed me to activate it in order to have access to my account again. He said that my account has been taken care of and need not worry and in the meantime, I might receive more notifications from my account via text or email, just ignore them. I received this phone call late evening. the next morning I received texts and emails notifying me that I sent {$2500.00} out two times to someone that I don't know via XXXX ( I'd never enable this service with Citibank ). I called Citibank right away and report it and open a dispute ( reference # XXXX ). Citibank took my case but then denied it. I contacted Citibank and reopen the dispute again ( Reference # XXXX ) and I got the same result. My Citibank credit card also got unauthorized charged 2 days later, it seems like my Citibank accounts had been manipulated by hacker or insiders. Now i'm reaching out to CFPB for help, please help me!

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello, I have 5 total credit accounts two of the most recent are XXXX ( 9 months old ) and XXXX ( 8 months ). Oldest account is 5 years and 7 days old ( XXXX card ). All of the credit bureaus except for Equifax have all of my credit history. 

Equifax has none of my information and In 2 separate attempts talking with them on the phone today, they say they have no record of me ever having credit anywhere and cant find any of my information to verify my I.D . 

They have said that there is nothing for me to do except ask my credit card companies to keep trying to send them info which they are doing, and all of the other credit bureaus are getting them successfully I dont know what to do anymore. XXXX trying to get a mortgage but it seems like its impossible because they act like my social security number isnt even real, let alone getting them to link my accurate credit info, and wont give me any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
In the recent days ( past 3 months ) I have made multiple additional principal payments to my mortgage account. However the loan service company is reflecting these payments as regular payments and directing the funds towards escrow, interest and principal. I had to make several customer service calls to fix this issue. On last encounter with same issue the company has assured me such incidents will not repeat. However my recent additional principal payment was again reflected in the same way. This is a serious issue mismanaging my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime Bank closed my mother 's account on XX/XX/2021. My mother died on XX/XX/2021. 

On XX/XX/2021, I filed her Last Will and Testament appointing me as her personal representative. 

Chime Bank has refused to issue a check or any form of payment for the funds that were available in her account before Chime closed my mother 's checking account. I have e-mailed and written a certified letter to Chime and they refuse to communicate with me or assist me in any way, shape, or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was not able to use my debit card this morning or last night so I contacted Chase Bank to find out what was going on. They told me there was a note to contact loss prevention so I was transferred over to that department. Turns out a customer 's check I deposited XXXX days ago they wanted to verify. But he said the number they had for the customer was not a verified number so it was my responsibility to contact the customer and have her contact them to verify the check and then I was to call back after that and they would lift the restriction. There is a two and a half hour wait to get through to that department. So basically I can't access MY money, pay bills, buy gas or food because Chase Bank restricted my whole account for depositing a customer 's check. The check was from another chase business acct. Now I have to do their job and track this customer down so she can call them to verify her check. I was told while this restriction is in place all incoming transactions will be returned unpaid. Due to the 2XXXX  hour wait time this probably won't be resolved until tomorrow, but I'm at a gas station now on empty and need to get dinner for my family somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: The Aligned Company DBA Extra
State: WI

Complaint narrative:
I reached out to file a dispute on XX/XX/XXXX about clothes that were sent in the incorrect size and was told a dispute will be filed. I followed up and was told I would hear back but did not. I had to file an additional dispute on XX/XX/XXXX about a defective item that the merchant wouldn't accept a return for as the merchant wanted to keep troubleshooting it. I was able to finally get information on XX/XX/XXXX that it had actually not been filed as they had reached out to me for additional information, which I had not received. I sent the information and it was finally filed as of XX/XX/XXXX. 

On XX/XX/XXXX, I was advised the dispute had been resolved in the merchant 's favor. When I asked for the documentation, it was just documentation showing the merchandise had been delivered. I then discovered that on their dispute, they listed it as " XXXX not received as promised. '' I asked to appeal the determination as I had never said the merchandise was not delivered, but that it was incorrect and defective. They declined and then stated that they were able to properly state it wasn't received. When I asked about how that was appropriate for it to just require delivery and the merchant should have to provide proof that it was the correct size and not defective, I was told that their decision was final and they followed the CFPB regulations 1005. I advised them that they had broken their policy of provisional credit if not resolved in 10 business days, which I learned once sent the link that it was actually a regulation. 

They took 65 days to complete the investigation and never issued a provisional 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 explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( ( ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002. 
This is proof of discrimination!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
ATTENTION TO XXXX, EXPERIAN, XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with the companies reporting inquiries to mu file. I recently discovered through my monitoring service these account being reported I made efforts to remove these accounts from my file as I have submitted to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire these inquiries. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter. 

Inquires reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK, XXXX Bank DELAWARE

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 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or about XXXX XX/XX/XXXX - I opened the account with Truist. I never had any accounts with them during last 2 years. It was opened with an offer of {$300.00} cash back and for that i need to setup direct deposit. I already setup direct deposit for this account. 
Today ( XXXX XX/XX/XXXX ) -I got an email that - I can not take advantage of the offer. Called customer service... even after a wait of 45 minutes, the call is getting disconnected. 
Email states : Dear XXXX, Thank you for your recent enrollment into the Truist Checking Offer XXXX XXXX. 

Based on our verification process, your account is not eligible to participate in this offer based on the reason below : Clients who have closed a personal checking account with BB & T or SunTrust now Truist, and/or Truist on or after XX/XX/XXXX are not eligible to participate in the promotion. 

If you believe you have received this notification in error, please contact Truist at XXXX ( XXXX ). 

Thank you for choosing Truist. We appreciate your business. 

Sincerely, Truist Offers Team When i tried login into my account- even the online login is also not working. Truist didn't sent any reset email.

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 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc.
State: NJ

Complaint narrative:
Remex ( Revenue Management Excellence ) sent collection notice back in XX/XX/XXXX and XXXX of XXXX, I sent a debt verification letter for both notices. 

In XXXX Remex ( Revenue Management Excellence ) only sent a copy of a bill but nothing with my signature or any other additional information, instead sent paperwork to the credit bureau to dispute my dispute. 

In XXXX Remex ( Revenue Management Excellence ) sent a collection notice again, I sent a debt verification letter again, got a response XX/XX/XXXX, and was told " because verification was provided multiple times or to provide verification after the 30 -days validation period under 1692 has expired ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
Months ago I inquired about Mortgage reprieve options, like adding a current payment to the end of your mortgage or refinancing, I was told they dont add a mortgage to the end of your loan but they have a forbearance program and asked me if they could explain it, I said sure, after hearing the info I said this is not what Im looking for, but you can send me information, I NEVER gave my consent to enter into forbearance & signed no paperwork for this!!!! I continued to pay my mortgage on time monthly!!!! Recently I go to purchase a home & they say my mortgage is in forbearance, I was furious as I never authorized this!!!! I asked my mortgage company to issue a Letter stating I was not or never had been in forbearance, the letter they issued said forbearance canceled this is UNACCEPTABLE because you cant cancel anything that wasnXXXX AUTHORIZED!!!!! I then asked for an addendum stating my mortgage was never in forbearance and this was a miss understanding on the behalf ofAmerican Pacific Mortgage! My deadline for this addendum is today XX/XX/22 and I was told repeatedly no one could help me until XX/XX/22, I was on the phone literally 8 hours trying to get the simple addendum I need to submit to my underwriting department, at the end of the horrible unproductive customer service, they left me on hold for 2 hours 28 minutes and 54 seconds! I then called back to only be told all managers are gone for the evening!!!! 
This is absolutely litigious & XXXX will purse that I asked for my recorded phone calls to be produced & they have not performed! 
I want a letter delivered to my email by XXXX am XX/XX/22 stating my loan was put in forbearance mistakenly by American Pacific Mortgage & a new letter reflecting that & stating my mortgage payments are in good standing!

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 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 I used my chase bank app and sent {$XXXX} to someone that was imposing to be a dog breeder, which later turned out to be a scammer. I contacted the bank since i used the chase XXXX XXXX to send money. They said they wasn't able to refund me or even reverse the transaction after i told them it was a scam. They said it wqas done using XXXX, which is a third party so i contacted XXXX  customer service and they were also not able to refund me my money. The scammer blocked all of my numbers and i have absolutely no way of getting my money back. Please hep!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have a PayPal line of credit ( credit card ) and pay monthly for credit protection. I have been attempting to file a claim ( loss of employment ) for over XXXXwo months. The credit protection - about $ XXXX per month, is being charged through Synchrony Bank XXXX For the past two months the Synchrony Bank site has not been working. This is accessed from the PayPal site. I have complained to both PayPal and Synchrony Bank and was told that they are having website problems. For the past two months, I have been charged the credit protection fee, which has caused me to exceed my limit. I spoke with PayPal and Synchrony Bank four times - twice in XXXX and twice in XXXX- with the last contact on XX/XX/2022. No one will help me at PayPal or Synchrony Bank.

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 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: OH

Complaint narrative:
I am currently incarcerated, my information was used to open credit accounts without my consent or knowledge. Recently, I got married and allowed my wife to check my credit reports only to see inaccurate and fraudulent information being reported. I have recently ( XX/XX/2022 ) sent out letters with proof of incarceration to each company reported on my 3 credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I completed the process to receive PSLF in XXXX 2021 and received a letter stating I would not receive credit for my previous loans payments if I consolidated. I qualify under the new waiver, but did not continue with the consolidation because of this letter. After researching, I know the letter had incorrect information that kept me from continuing my process to receive PSLF. I now have to start the process all over again and contact my service providrs to see if I can still consolidate because FedLoan sent me incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: WA

Complaint narrative:
As part of this work, the Civil Rights Division is tasked with enforcing the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043. ... The SCRA is a federal law that provides protections for military members as they enter XXXX XXXX. The funds applied to the card are though my personal trust fund. The company had not sent out any mail regarding late payments to the address on file and felt obligated to report to the credit bureaus negativity effecting my credit score and security clearance as a federal employee. 

I do not agree with the companies policy of waiting 10 weeks to receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX. I am contacting the bureauS today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I am currently in a pandemic forbearance plan with Mr. Cooper that will end XX/XX/XXXX and would like to defer the past due balance to the end of the loan. I spoke to a member from the military families teams at Mr. Cooper a few times over the past few weeks to get this set up but was told that I am not eligible for either a loan modification or a deferral, and that I would need to pay the full balance due by XX/XX/XXXX. 

I was told that the loan modification was not possible because I previously had XXXX modifications on my loan. I would like to know the dates of the XXXX modifications Mr. Cooper believes occurred on this loan. 

Additionally, if there are XXXX modifications and this eliminates loan modifications as a possible option on Fannie Mae backed loans, XXXX very upset that Mr. Cooper neglected to share that information in the Forbearance Plan acceptance letter dated XXXX XX/XX/XXXX that was sent to me listing that a loan modification might be a possible option. While Mr. Cooper did not guarantee it would be an option, they also withheld the information they already had about my loan which would have shown it was never an option and most certainly would have changed my decision. This was a very unfair representation of the possibilities and a deceptive practice that has now put my family 's home at risk of foreclosure. 

I was also informed that the deferral of the past due balance was likewise not possible as the forbearance plan I am currently in is not pandemic related. I was shocked to hear this as I had to answer the covid 19 questions to request not only the initial forbearance, but every single extension since then. Additionally, every document sent to me from Mr. Cooper pertaining to the forbearance clearly states, Pandemic Forbearance Plan. While speaking with the representative from Mr. Cooper, he told me that his system showed that I was in the current forbearance plan since early XXXX. This isnt even possible since I was completing a loan modification in XXXX of XXXX and received my last mortgage statement before entering the current pandemic forbearance plan on XXXX XX/XX/XXXX. I sent Mr. Cooper the XXXX mortgage statement, pandemic forbearance acceptance letter, and the subsequent extension letters to show them everything they had sent me and what it said. 

I also sent Mr. Cooper a copy of my payment history showing the payments I have made since XX/XX/XXXX, which equal or exceed the amount of my month mortgage payment due and should clearly demonstrate my ability to make the mortgage payments going forward. I am not asking to get away from any debt that I owe. I simply request that the past due balance be deferred as was offered as a possible solution throughout the pandemic forbearance plan they offered me.

Company response to consumer: Closed with explanation