vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS LISTED ARE NOT MY ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THESE ACCOUNTS WAS OPEN UP FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
I requested an international wire transfer from Chase on XX/XX/XXXX. The wire was a routine wire that I normally due every two weeks. The purpose of the wire is to pay for my apartment rent, utilities in  XXXX. I currently live in XXXX under Permanent Change of Duty Station ( PCS ) for the Department of Defense. I will be in XXXX for three years, and then I will be coming back to my position in XXXX XXXX California. The government gives me housing allowance every two weeks to pay for costs. This money is sent to my XXXX XXXX XXXX XXXX as a direct deposit. What I normally due is that I transfer most of my money to my primary bank Chase to pay for my bills back home and transfer money to my XXXX account. I only use my XXXX XXXX to pay my car loan and to pay for groceries at the XXXX base. On XX/XX/XXXX, I received an e-mail that my wire was going to be delayed which I had no problem. I thought it was going to take 1 to 2 days so it was not a big deal at first. On XX/XX/XXXX, my wire still was not process. I called Chase long distance to check on the status, but the customer rep who assist me was not sure why my wire was delayed. Plus, she said the wire department was not taking calls at the moment. On XX/XX/XXXX, I called again getting the same answer. On XX/XX/XXXX, Chase customer service said that the wire was still not process. I asked to speak to a manger since the wire department was not able to take calls. To make the story short, the customer service center kept transferred me to different department. I had to re-explained my issue couple times to different representatives. I never got the chance to speak to a supervisor nor the wire department. At one point one department rep said that the wire department had sent me a secured message through Chase.com. I looked in my account and there was no message. I was on the phone for 1 hour 20 minutes  and I was given the round around. I was frustrated because with my wire not being transferred to my XXXX account. I had utilities bills that I needed to pay on XX/XX/XXXX. Luckly, I have a savings account with XXXX XXXX and was able to cover the expense, but I had to pay fees to pull the money from an ATM. Plus the long distance call is going to cost me money. On Saturday XX/XX/XXXX, I received a notification through Chase.com the wire department was going to contact me this week. It is XX/XX/XXXX in XXXX XXXX and I still have not receive a call or a resolution from Chase. I understand that we are in a pandemic, but Chase is a big corporation and should be able to adapt to change and find a way to find resolution to my wire.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2020 my money was deposited in the amount of {$110000.00} to Chime bank account next day bank put hold on my account & whatever documents bank requested I provided it to them. 
Today XX/XX/2020 they closed my account, refused to give me any reason for closing my account & refused to refund my money. I really appreciate if you look into this matter before I take legal action against Chime Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I sent the payoff to Toyota Financial Services over a month prior to the payoff amount date being due - they acknowledge they received payment over 2 weeks ago. They refuse to update the amount online. 

Payoff amount sent XX/XX/16 - claimed to be received by TFS on XXXX and now they are refusing to update the account. 

They are holding me XXXX. 

The amount was for XXXX est.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Dear CFPF associates, In XXXX, I agreed to XXXX XXXX  insurance for one of my Citibank credit card accounts only because I misunderstood or was misinformed about the cost. When the paperwork arrived, my wife informed me of the actual cost. I was going  to cancel it, but my wife asked me to keep it. In XXXX, I was diagnosed with a new XXXX  and XXXX  XXXX  that I was unable to manage. In XXXX, I had to stop working and applied for long term XXXX. I continued to pay all of my debts as usual. My wife reminded me about the Citibank acct. with the XXXX XXXX and I applied for their job loss benefit in which they freeze your acct. In XXXX of XXXX, I received notification from XXXX XXXX that the job loss benefit was accepted and implemented. A few months after, I notified XXXX XXXX that I received a fully favorable long term XXXX ruling and sent them a copy of the ruling, SSA approval letter and the medical documents used to make the determination. I also applied for their XXXX XXXX long term XXXX benefit in which they pay the balance of your acct. over 24 months up to {$10000.00}. A few weeks after, I received a response from XXXX XXXX stating that they accepted my long term XXXX status, but requested that my physician fill out and sign a form. After receiving the form, I dropped it off at his office. The following week, on my next appt., I reminded him about the form, he informed me that he couldnt do it. He stated that he doesnt do any of that paperwork for credit card companies, nor does he know any other neurologist that do, due to the risk of having to appear in court and being inaccessible, in case of a dispute. This is when all of the problems started. Attached is a narrative of what followed along with complaints to the parties involved.

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 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I applied for a refinance of my first mortgage on XX/XX/XXXX with an application fee of {$550.00} given on that date. We are now at XX/XX/XXXX and I have yet to have a decision made on my loan. This is a violation of the Reg B rule of a requirement of 30 days for an application decision. I have provided every request within hours of it being made. I asked for a refund of the application fee onXX/XX/XXXX since they cant make a decision on my loan and the application I paid for isnt being underwritten in a timely manner. No one will respond. I informed them I am aware they are in violation of the Ecoa rules With no reply.

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 2020-09-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

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 2020-09-14 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: TX

Complaint narrative:
THESE ACCOUNTS LISTED ARE NOT MY ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THESE ACCOUNTS WAS OPEN UP FRAUDULENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: TX

Complaint narrative:
THESE ACCOUNTS LISTED ARE NOT MY ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THESE ACCOUNTS WAS OPEN UP FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS.  On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Applied Chase British Airways Visa Card on XX/XX/2020, got a letter in the account the next morning saying credit card request was denied stating had too many non mortgage or auto loans. I have only one personal loan other than mortgage account which is paid off in another 20 months with on time. Do not have any other payments and everything is paid off. My credit score is in excellent category with  score over 790 for all the bureau 's. 
I called chase and spoke with a credit analyst and stated all these points and explained, credit analyst reconsidered and approved credit cards. However, the interest listed on the application was 15.99 - 22.99 and credit analyst approved me with 22.99 INTEREST RATE which essentially says that I have the worst credit rating possible, which is definitely not the case based on my credit history or score. My income is also rather high. 
when called, lending department from chase said that they do not have to explain why the interest is so high. 

I do have another credit card with the same company which has XXXX credit limit with 15.99 interest and when it was approved, I had the way less score than I have now and definite lesser income and less than perfect credit history. 

Tried to call them multiple times and even asked to speak with Fair Credit lending department with in chase to complain to which I was hung up upon and rude customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
The systems that they have in place don't let submit your monthly payment for your properly, you can change the password to try to get access to your account but it will always say that the information is incorrect ; and later it will block you. 

I'll should have pay my mortgage on the XXXX of XXXX and is the XX/XX/2020 and I'm still unable to go in ; if you call them no one answer not even after an hour of been on the line.

So they are forcing me to pay by phone to collect a feed, but at this point I cant pay one way or the other. 

I need help and the need to be monitor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I really dont remember the date but it was around maybe XXXX or XX/XX/2020 and I took out a loan and I came the following month and pay the entire lawn and I thought that was it a month later I get a call and the lady from the California check cashing Place in XXXX California told me I still owe {$32.00} and I was just blown away because Ive never had to deal with anything or anyone like this and now Im being harassed by whoever they turned it over to creditors I was a disrespected Im just not understanding whats going on here they act like gangsters predators

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all  information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

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 2020-09-14 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: AL

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND I AM INFORMING YOU GUYS THAT I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS OR INQUIRIES DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS WERE AUTHORIZED. REMOVE THEM BC THEY ARE NOT MINDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FULTON FINANCIAL CORPORATION
State: DE

Complaint narrative:
XX/XX/XXXX - I filed a complaint with Fulton Bank ( the XXXX, PA branch ) because I was suspicious that XXXX XXXX  ( my ex-wife and commercial lender for Fulton Bank ) had been viewing my banking accounts illegally. 

XX/XX/XXXX - Fulton employee ( XXXX XXXX, NMLS # XXXX ) at Fulton Bank ( XXXX, PA ) contacted me and stated that an official complaint was filed through his manager XXXX XXXX ( NMLS # XXXX ), to various Fulton Bank executives and Human Resources complaint department. 

XX/XX/XXXX - Fulton employee ( XXXX ) at Fulton Bank ( XXXX, PA ) informs me that corporate Fulton wanted more answers, and he identified that XXXX ( ex-wife ) had indeed viewed my personal banking accounts on at least one occasion, marking XX/XX/XXXX as the first time-stamped incident ( we had been divorced since XX/XX/XXXX, with separated bank accounts as well ). XXXX informed me that he was going to research further back to identify more time-stamped views by XXXX on my accounts. 

XX/XX/XXXX - I spoke with both the Customer Specialist ( XXXX  ) and Manager ( XXXX XXXX at the XXXX, PA Fulton Bank about progress on the complaint case, and XXXX asked further questions for their HR/Complaint personnel. 


XX/XX/XXXX - XXXX XXXX from Fulton Bank contacted me regarding my complaint, explaining to me that XXXX looking at my account was a Human Resources matter that is being looked at by HR and executives at Fulton Bank. He also explained that he would not be able to share any information with me regarding actions taken, but assured me that this will be taken seriously. He offered no resolution for their employee/my ex-wife for looking at my accounts illegally, and thanked me for my loyalty to Fulton Bank XXXX XXXX Fulton Bank phone number is XXXX. 


I do not feel that Fulton Bank is providing any answers or any resolution for me in regards to their employees invasion of privacy into my personal banking accounts. They will not provide me with any printed information about who has viewed my accounts when I ask. At best they are brushing this under the carpet with hopes it just goes away. This is bad business, and they are still employing this employee ( my ex-wife ). Nothing has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2020 I went to Bank of America located at XXXX XXXX XXXX XXXX XXXX nj, I went to the atm to make a deposit of {$4500.00} I put all the money in the atm, atm gave me a error and gives me back only {$800.00} which I go ahead again and try to deposit. I look at my account before leaving the bank and see I was only credit the {$800.00}. I call the bank customer services and file a dispute to get my money and get this issue correct. They gave me a temporary credit of {$3700.00} which was the missing amount of cash onto they investigated. On XX/XX/2020 they went to my account and remove {$3400.00} and stated they only found {$210.00} of the {$3700.00} that was missing and since then I been calling them trying to resolve this issue and find my money and nothing has been done. They stated that on the camera they really cant see the dominacin so basically I have to lose my {$3700.00} because a atm machine error. I also send proof of where my {$4500.00} was coming from and also submitted a letter explaining in detail what happen and nothing was done.

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 2020-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Bank : Wells Fargo credit card for XXXX  Heating and Cooling Products. 

Company : XXXX XXXX XXXX, specifically XXXX " XXXX '' XXXX. XXXX XXXX ran a credit check to see how much I qualified for. But he pulled his offer and we never did business. I never authorized a credit card be issued to me and I received a credit card for an open line of credit today. I only authorized a credit check NOT a credit card nor a line of credit. He's doing all this over the phone and also requested I send my personal information such as my SSN through email. 

XXXX XXXX : ( XXXX ) XXXX Email : XXXX. 

To reiterate : I agreed to ONLY a credit check and did NOT authorize the credit card or line of credit be created under my name.

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME BECAUSE THEY WAS OPEN FRAUDULENTLY SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS WITHOUT MY KNOWLWDGE STOLE MY SOCIAL AND ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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