vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
PLEASE REFER TO CFPB REPORT XXXX REGARDING XXXX XXXX. THIS IS BORDERLINE XXXX. I EMAILED EARLIER REGARDING THE LETTER SENT BY XXXX XXXX DATED XX/XX/XXXX AND I ATTACHED A COPY OF THE XXXX XXXX TRACKING PRINT OUT WHICH BASICALLY STATED NO SUCH TRACKING NUMBER BASICALLY EXISTING. NOW WE ALL KNOW THERE IS A XXXX XXXX XXXX WHICH IS GOING TO RETRO ACTIVATE THE PREVIOUSLY UPLOADED TRACKING NUMBER AS IF IT WAS AN OVER SICK. 


AS A RESULT OF MY EARLIER COMPLAINT XXXX  SHOES UP AT THE DOOR AGAIN TODAY XX/XX/XXXX WITH THS SAME EXACT LETTER FROM XXXX XXXX DATED XX/XX/XXXX. THE TRACKING NUMBER XXXX XXXX XXXX XXXX POPS UP. IT APPEARS IT WENT FROM XXXX XXXX XXXX / XXXX AND HIT MY ADDRESS XX/XX/XXXX. AND IT WAS NO EVEN SENT PRIORITY. LOL SUGGESTION IF SOMEONE IS TAMPERING WITH THIS TRACKING SYSTEM IT IS ALL INTERNALLY. 

AS FAR AS XXXX XXXX IS CONCERN SAVE YOUR MONEY., STOP SENDING THIS CRAZINESS. YOU KNOW WHAT YOUR BANBK IS GUILTY OF XXXX AND MORE FRAUD. THIS BACK TO BACK ACTIVITY SCREAMS GUILTY. WHAT IDIOTS! 


YOU SHOULD HAVE INVESTIGATED THIS ISSUE FIRST REPORTED BUT, YOU FOLLOWED DIRECTIVES FROM THE RETAINED ATTIORNEY XXXX XXXX XXXX AND PREPARED A FRAUDLUENT PAYMENT LEDGER TRYING TO MAKE IT APPEAR WE PAID XXXX XXXX FOR MORGTAGE PAYMENTS NOTE. WE NEVER HAD AN INITIAL MORTGAGE! 


JUST STOP!

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 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
I contact you to help me get my money back from ally bank. they responded with a letter as you will see in case file. XXXX they said that irs said check are not valid they are. look at what XXXX  said. XXXX  is the VA XXXX XXXX XXXX. that as i live in XXXX. I am XXXXXXXX from the XXXXXXXXXXXX i get paid for XXXX XXXX 

I have the Email from XXXX of XXXX  to show ally bank has kept my funds. they cashed. checks cleared. 

No holds on checks. we had 2 hours phone. she seen they haver my money. 

so many phone calls. yelled at told to stop callimng ' " key line they said. IRS said checks no vaild. they calledd IRS? I am XXXX I want them to move my money to my XXXX XXXX account. ASAP before I go US embassy call FDIC fraud police.

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 2022-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: SC

Complaint narrative:
I called in XX/XX/XXXX or XXXX 2022, to get assistance with my XXXX payment explaining this was my first day back to work since my daughter having XXXX for 3 weeks and myself getting it within the last 7 days and being in and out of the XXXX  with my daughter. I asked if there was any help since my work does not cover XXXX unless my child and myself had the booster shot. And my first paycheck wouldn't be until the XXXX. I was declined and told I just need to make the payment by the XXXX or it would go over 30 on my credit.i explained I could make 2 payments with my paycheck on the XXXX but was told they had no assistance available because I hadn't made 12 consecutive payments and that they couldn't extend my payment to be due on the XXXX. 

I am very disappointed because I had no way to make the payment since my daughter was in and out of the XXXX  with XXXX and I was able to make both payments on the XXXX. 

Now my credit has been affected which now caused my credit card to close my account. 

They offered no help for the circumstance and stated I could borrow the money and pay it back when I got paid on the XXXX. 

As soon as my paycheck came in which ended up being on the XXXX I made both payments like advised I would be able to do. 

I would like the delinquency for XXXX reported in XXXX removed. They should have been able to provide some kind of assistance or at least moved my payment to the XXXX so I could make the payment without it hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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:
To whom it may concern, last year I was at a car dealership looking to finance a new vehicle. I informed the car the salesman that my credit at the time was in fair condition and that I did not want to get my credit pulled multiple times, which would result in a lower credit rating. The car salesman reassured me that they would only pull it once. Come to find out, I ended up having more than 30+ hard inquiries on my credit report throughout experian, XXXX , XXXX.These are the hard inquiries that were added on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-01 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: Agency of Credit Control
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX {$440.00} {$790.00} Agency of Credit Control XXXX XXXX. 
XXXX {$1500.00} I never received a bill from XXXX or a phone call verifying my address. I never received an estimate on procedure before I had it done. They turned it over to XXXX and now it's on my credit report. I am willing to pay original amount to XXXX if they absolve my credit report. I am not going to pay for late fees or interest because I had no knowledge of these bills. I have disputed the accounts twice with no results. XXXX was unwilling to work with me on these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: WA

Complaint narrative:
We had a closing date coming up in 2 days when the lender told us she needed to get an IRS document that usually takes 40 days. She also however said we could waiver the document if we sent certain documents and so we sent them all and asked if we would still close in 2days and she said yes. The next day she turns around and says she still wants the IRS document. We asked her to let the realtor know that closing would not happen. We also told our realtor the same. 

She did not tell the realtor on time and the seller now wanted the earnest money. We told her we would sue her company for the Ernest money and she called the seller and said that they had agreed to a new closing date XX/XX/2022. We asked her again we could close by that date and she said yes. COme XX/XX/XXXX, she sent an email asking for 5 more documents that any lending company asks for in the beginning. 

She has asked for a ton of documents and we think she was trying to just not give us the loan and not be sued by us and was trying to overwhelm us with document requests so she would say we failed to supply the document. As such, when she said she would be able to close on XX/XX/XXXX, we told her that if she failed to close, we would sue for the escrow money. We are now pursuing legal action against her and the realtor. 

XXXX XXXX has been generally unresponsive to emails or texts. Many times we had to reach out more than 3 times before getting a response. Never once did she tell us in advance that closing was not possible before the closing date. We always had to draw it out of her and her team. Also, we got the appraisal report back from them on the day of closing and she said it was because there was an error. However, we had been pushing for appraisal to be done early and she ignored all the messages until I said I would order the appraisal myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: MI

Complaint narrative:
XX/XX/2022 - Discover Online Checking account opened by applying, Uploaded completed Requested ID Verifying Notarization. Specialist reviewed doc and successfully opened account. 
- Discover Bank inquired on my XXXX consumers report. Personal info & no prior client reports on record. 

XX/XX/2022 - Account was placed on hold & Funds Frozen. 
Phone rep requests a photo of my State Issued government ID card, SSC, Birth certificate, & IRS 1040 be uploaded via their sites secure Doc upload for ID Verification. 
* All were submitted Same Day. 

between the XXXX to the XXXX Ive been on 10 hour hold times unable to reach security specialist. 

XX/XX/2022 - Security Specialist phone rep was reached and she reviewed the uploads and determined my account successfully Verified. She then immediately removed hold and unfroze funds. 

- Only 10 minutes after that I was logged out of my online account and had a Hold/ Freeze placed again. I called back only to be informed my account was in the process of being closed due to being an At-Risk Customer per Company decision . 

After 4 days of complaints from myself Ive acceptance the fact that the banks policy states it may close an account for no reason needed. 

My issue/ Complaint is Why am I not allowed to retrieve my funds ( cash/ check ) at their singular available U.S Branch location per several reps. 
Instead must wait XXXX weeks to have it mailed to me. They state its their policy and it takes weeks to close it then months to send it. Ive informed them that I would like to close my account then immediately so I may get my money quicker, They state its not how it works.

WHY Was my account closed only after a specialist unfreezing it after reviewing requested documentation to only have it eventually frozen and in closing within 10 minutes. And why am I not able to go to the branch and pick up my money like any other bank why are they freezing my funds from me for an unreasonable amount of time and being very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 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 2022-07-01 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I moved to XXXX and the bank in the USA can not allow me to access my money nor close my account. I have spent countless hours on international long distance phone calls including sending my proof of identity via Passport upload but they refuse to do anything to help. They have over {$390000.00} of my money that I can not access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank, which services my credit card from Caesars rewards is not available on website by telephone or any of the normal methods available to see your statement balance to pay your balance or anything. The site has been down since XX/XX/XXXX and they know and are aware of this problem. However I am unable to see if there are any fraudulent charges or balance or if any payments have been properly applied. This is unacceptable. I am not using this card until I am able to see my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: Reliant Financial Corporation
State: TX

Complaint narrative:
I have reached out to gold acceptance XXXX  multiple times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX... They have not responded to my letters. They expressed to me that the company " gold acceptance XXXX  '' no longer holding the contract but still reporting it on my consumers report with the wrong contact Information. They have sold the account to a collection agency sold the car at the auction. They did not disclose this Information to me. 15 U.S code 1681b They do not have my hand written signature giving permissible purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a bank fraud complaint against JP Morgan Chase Bank regarding an unauthorized debit transaction from my checking account. 
Someone withdrew {$2500.00} from my account over the counter without my authorization at JP Morgan Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX on XX/XX/2022. The withdrawal slip shows a signature different from my ID signature. The persons date of birth, address and phone number do not match my personal information in Chase bank system either. 
I want to make it clear that the debit transaction was not carried out by me in any form. In fact, the fraudulent transaction succeeded because bank employee did not follow standard protocol, failed to verify customers identity. Chase Bank ignored their own mistakes and promptly denied my claim without conducting a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: CA

Complaint narrative:
Hello, On XX/XX/2022, I received a XXXX XXXX XXXX XXXX XXXX  notice in the amount of {$24.00}. The agency account listed is XXXX for a debt with the Superior Court of XXXX XXXX ; where Alliance One is listed as the collection agency. I have never been notified by Alliance One about a debt being collected by them. 
I called Alliance One to ask about the XXXX XXXX XXXX letter that I received 3 times on XX/XX/2022. The agent XXXX hung up the phone two of those times- before giving me any information about this collection account. 
I then contacted the Superior Court of XXXX XXXX to find out if this was accurate. The information Alliance One used to file an intercept request against me was not accurate. This collection agency ( Alliance One ) remitted a XXXX XXXX XXXX to the XXXX XXXX XXXX  in my name for {$24.00}. 
I made a payment arrangement directly with the Superior Court of XXXX XXXX for this Traffic Citation this issue should not be in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY
State: AZ

Complaint narrative:
I have attempted to pay off my mortgage since the beginning of XXXX. I have been working with the loss draft/property claims center due to my house being burned down in XXXX of 2021. I sent the remaining insurance checks, endorsed, to property claims on XX/XX/XXXX, which were XX/XX/XXXX, and acknowledged XX/XX/XXXX. The check was processed/deposited XX/XX/XXXX. I submitted a letter of intent to use the funds in the escrow account to pay off the mortgage. At the time the checks were processed, there was just over $ XXXX in the restricted escrow account, and my mortgage balance was approximately $ XXXX. 

I have continuously called into loss draft and customer service with no answers. I was advised the payoff was scheduled to occur XX/XX/XXXX. That did not happen. XX/XX/XXXX, I was told I actually needed a payoff statement ( which when I previously asked was told I did NOT and my letter of intent was enough to allocate the funds appropriately ). They generated the payoff statement with a payoff date of XX/XX/XXXX, the agents told me XX/XX/XXXX the payoff would be completed. On this day, XX/XX/XXXX, I also submitted a demand letter requesting my mortgage be paid off immediately. They not only did not acknowledge my letter, but that did not happen. XX/XX/XXXX I was told the date had moved to XX/XX/XXXX for no reason in the notes. Yesterday, XX/XX/XXXX, I called in and spoke to various agents again, this time with my realtor as a witness. 

My realtor and I were advised everything was in that was needed and for sure my loan would be reflected as paid off by midnight XX/XX/XXXX. Today is XX/XX/XXXX and my loan still does not show as paid off. I show I have payments due. The treatment by your company has been deplorable! I already lost my entire home in XXXX of 2021, and now I am being victimized and held hostage by your firm! I keep calling in and speaking with agents, supervisors, different departments, and anyone else who will listen, but my complaints have fallen on deaf ears. My demand letter has not been acknowledged, and the errors by your company have not been corrected. I have tried to be understanding, but at this time I am losing patience. I can not move forward with new housing until this loan is paid off. 

I am seeking help to resolve this in an expeditious manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to XXXX XXXX XXXX multiple times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX... They have not responded to my letters. They expressed to me that the company " XXXX XXXX XXXX '' no longer holding the contract but still reporting it on my consumers report with the wrong contact Information. They have sold the account to a collection agency sold the car at the auction. They did not disclose this Information to me. 15 U.S code 1681b They do not have my hand written signature giving permissible purpose.

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 2022-07-01 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: MI

Complaint narrative:
US DEPT OF EDXXXX, XXXX, and Equifax Are breaking the law as I did not provide the companies listed with permissible purpose for reporting STUDENT LOANS ACCOUNT XXXX to my credit. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ).

For the extension of credit because of an application from a consumer, or the review or collection of a consumers, account. Section 604 ( a ) ( 3 ) ( A ).

For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance because of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ).

When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )

Company response to consumer: Closed with explanation