vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The closing documents for my mortgage application were signed on XX/XX/2021. During the 3 day waiting period NFCU decided to pull out of the transaction citing they were unable to verify my employment. After submitting several verification letters from my employer and even going as far as hosting a three-way call between myself, NFCU, and our HR department, NFCU has persistently failed to accept any formal form of employment verification provided. Theyve even requested to speak to my direct manager knowing that this would not suffice in verifying my employment in an effort to stall the signing process.

Furthermore, NFCUs reps have failed to respond to countless contact attempts via phone and email. Ive requested callbacks regarding either moving forward or cancelling the process to several NFCU reps at all levels of the mortgage lending team only to be ignored. Ive explained the severity of the situation theyve have put me in ; from the thousands of dollars spent caused by their delay to the countless hours spent by myself, my realtor, and the sellers team. Whats worse is now NFCU has taken what little money I had saved and tied it up in their unknown process so I cant even move to another apartment. Without a sound response from NFCU regarding this delay Im beginning to believe this lack of guidance and care could be due to my name/race. There is no other reason that makes sense based on the circumstances at hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have items on my credit report that I would like to verify the information on. 
Industry Contact XXXX XXXX  XXXX XX/XX/XXXX XXXX Bank Credit Cards XXXX FC XX/XX/XXXX XXXX Credit Unions XXXX XXXX XX/XX/XXXX XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Bureaus XXXX Hard XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage Reporters XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX Hard XX/XX/XXXX XXXX Banks XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Other Than Personal XXXX Hard XX/XX/XXXX XXXX Banks XXXX Hard XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage Reporters XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX XXXX XXXX  XX/XX/XXXX XXXX Mortgage Companies XXXX XXXX Hard XX/XX/XXXX XXXX XXXX Other Than Personal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX, XXXX XXXX, and XXXX have not bother to investigate thoroughly! If they did, they will know that this happened without my consent, in a totally different state that Ive never visited, by people that I do not even know! 

The police dont want me to keep coming in to file police reports, because Ive already filed one, and they said identity theft happens very often. 

Please assist me with regulating XXXX, XXXX XXXX, and XXXX, to correct these issues,. 
Because these accounts do not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have been scammed by a company called XXXX XXXX for a data entry job. I was giving a check to deposit to my account for the equipment that the company said I have purchase once the check deposit. On the second day before the check cleared I texted my bank HSBC on their online chat, telling them that this maybe a bad check and how do I stop it from depositing or can someone help to figure this matter. The agent told me that the check was okay and it is already deposit and that nothing is wrong with the check. I told them I feel like I have been scammed and I am not sure what to do about this situation. HSBC agent never once told me or guided me about anything instead they assured me everything seemed okay. But I had a bad feeling inside, then I had turned down the offer for the position and told them I was no longer interested, the guy name XXXX XXXX from XXXX XXXX yold me I have to return the money back to the supervisor immediately. This is the third day, once the check had deposited not once the bank notified me that the check was a bad check, I never been in this situation and didnt know what to do so I rewired the money back to his supervisor for {$3300.00}. This happened on XX/XX/XXXX, and the rewire was supposed to go through by the XX/XX/XXXX the bank confirmation said. But not once the bank called to tell me that this check was a bad check. On XX/XX/XXXX I went to check my account to see the updates. That is when I tried to login into my account, and was not able to login. I called the bank after being rerouted about 12 times that is when I got of hold of someone from the fraud team and they told me that the check was a bad check and now I have a negative balance of {$3300.00} in my account which is why they closed my account. I have to now pay the bank {$3300.00} which I dont have at all.. when all this time I did this for a job. I have never been in this situation, I have been victimized in this situation and the bank is now telling they can not help me even though I have been scammed, apparently it is too late. I dont have the money or a job I told them many times the agents were not clear on their end as many times I told them I felt like this was a scam and how to handle the situation. I dont know what to do next. Especially in these hard times when I can not afford to get a job. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DFC Global Corp.
State: CA

Complaint narrative:
On XX/XX/2021 I noticed that {$5600.00}, was taken from my momentum mastercard, which is a prepaid card sold at Money MarXXXX locations. I immediately called XXXX mastercard to get it cutoff so that no additional charges can be done. I was sent a dispute form with all the charges and told to email it back, which I did the same night. They said it can take up to 90 days but to call back in 10 business days because I can be reimbursed sooner. On XX/XX/2021 I was notified by two banks about my info being used to open credit accounts. On XX/XX/2021, I went to Money Mart to speak with the Manager at store XXXX in XXXX, CA and she positively identified her employee from my bank statement as the person who was transferring funds from my account to herself. Not to mention, the same employee was also fired for stealing money orders from the company.On XX/XX/2021 I spoke with XXXX at Money Mart head office and emailed the police report. On XX/XX/2021 I file a complaint with the DA office. Money Mart Corp. office is fully aware of the incident and I've been very cooperative, they have all the proof and evidence they need to prove negligence, fraud and identity theft but they have not reciprocated the same response. Its now, XX/XX/2021,14 days later and still I have no money, no response or corrective action taken. Im am mentally, physically and beyond exhausted with being treated unfairly by this company with bad business practices. I trusted this company to protect my personal information and finances and that trust has now been broken. They have not even attempted to notify other customers of the identity theft and fraud committed at the XXXX location as others could potentially be at risk. At this point my entire identity and finances is in the hands of a theft that Money Mart employed and trusted with their customers information. Money Mart is dragging their feet with the Investigation. There's no need for an investigation when the evidence is firm.I want others to know about this and to take my experience as a reason to take extra precaution when dealing with untrustworthy employees and companies. This is a clear case of them protecting there personal liabilities over public interest and its unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: GA

Complaint narrative:
My husband and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on Transunion and XXXX credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my husband from XXXX XXXX XXXX XXXX XXXX. I told them I sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: KS

Complaint narrative:
On XX/XX/XXXX I sent out a detailed dispute letter to Equifax certified mail, on some issues that i don't believe are accurate on my credit profile. There are some misleading information on there that is really hurting my credit and it has been well over 45 days and I haven't received anything about their investigation at all. I know the Fair Credit and Reporting act says that it must be accurate nd they have to give me information about it within 30 days. Well i am still waiting so i kindly ask them to remove the inaccurate information and remove the unverified late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: CA

Complaint narrative:
Had direct deposit with NetSpend prepaid debit card by XXXX on XXXX first SSI benefits posted however the company gave me a hard time about retrieving my funds off that card for about six days I was given the runaround so I asked for the account to be closed at which time on XX/XX/XXXX they claimed they closed the account and returned my SSI deposit back to Department of Treasury today is XX/XX/XXXX and I still have yet to see my SSI deposit for XXXX I would like them to release my 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 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an existing Chase credit card that has accrued XXXX of their credit card reward points ( Chase Ultimate Rewards ). I intend to close this credit card account in the coming weeks but would like to transfer my existing points to my wife 's Chase account. My wife has an active and separate Chase credit card account and existing Ultimate Rewards account. Chase 's website and literature advertise that transferring points to another member of one 's household is allowed and considered a benefit of the card. 
On XX/XX/21 I attempted to make the transfer of points to my wife via Chase 's website. After visiting the " Combine Points '' website, Chase has removed the option to add a member of your household ( see attached screenshots of what is visible on their website now, compared to what used to be there ). 
On XX/XX/21 I called Chase 's customer service line to escalate the issue. The representative on the phone was unable to transfer the points, could not provide an explanation for why they couldn't be moved, and then said that he would escalate the problem and that someone at Chase would follow up with me. I have not received any further communication from Chase since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Hello ; My bank Citizens bank account, I have paid over {$2500.00} in overdraft checking fees this year as of XX/XX/XXXX. I shut off the overdraft option as of XX/XX/XXXX. Suddenly I receive a letter from Citizens notifying me last 12 months I had overdraft fees. Obviously, prior to shutting off the overdraft option I know I had OD fees. Appears to be that since Citizens isn't getting the $ 200-300 in overdraft fees monthly they used to auto deduct from my account since opting out.I now receive a letter stating I can " opt-in '', take from savings or get a line of credit. The line of credit would have been beneficial for years to me. I have banked at CB for 5+ years. CB never approved me for a line of credit to cover overdrafts but would gladly take in 3 years probably 3-4k just in overdraft fees. This is on an account that is a direct deposit. On a direct deposit for a certain time period, at a certain amount, people should be eligible for the line of credit so that instead of OD fees they're only paying $ 20-40 a month for a line of credit for any overdrafts monthly. Instead the bank is continuing to prey on low income people. Why is it I can afford to pay $ 2000-3500.00 in overdraft fees but I'm not worthy of a {$500.00} a month line of credit to cover only my checking account? I've paid at minimum {$130.00} a month and up to {$500.00} in OD fees when I opted in, for years. All of a sudden I opt out, my account is a positive balance and now I have choices? The US banking system preys on low income people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On XXXX I sent out a detailed dispute letter to Transunion certified mail, on some issues that i don't believe are accurate on my credit profile. There are some misleading information on there that is really hurting my credit and it has been well over 45 days and I haven't received anything about their investigation at all. I know the Fair Credit and Reporting act says that it must be accurate nd they have to give me information about it within 30 days. Well i am still waiting so i kindly ask them to remove the inaccurate information and remove the unverified late payments.

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 2021-10-19 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: GA

Complaint narrative:
My wife and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on Transunion and XXXX credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

My wife and I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my wife and me from XXXX XXXX XXXX XXXX XXXX I told them we sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RockLoans Holdings LLC
State: CA

Complaint narrative:
i established the unsecured loan in XX/XX/2019 and had been making on time payments each month even with the covid out brake i began to look closer at the account because i noticed the principal balance was not moving none at all i even made some double up payments to the creditor i did get a couple extensions in the covid maybe 3 total along with applying for a loan modification because the principal wasn't becoming lower i went on line a couple months ago to see that my interest was 35 % online on the payment portal and for public records it was 9 % on credit karma and 24 % on another visual site so i continued to send them information that was requested which i have proof of that was to be for the approval for the loan modification well i finally read up on the whats happening and they qualify for the term predatory lenders the rules are that the interest on any account can not go past 10-15 % on top of the principal 35 % is trying to financially depress the customer and is a violation of law i have proof of every payment i made with them and totalling i should be 1/2 done with out the last 90 days and with i would be 52 % complete, if you where to check my credit right now the amount is still over XXXX dollars like i've never made one payment and its only been 3 payments since the last one i stopped because of covid and EDD couldn't keep up with issuing everyone 's benefits so they would be like 3-4 months behind i would sit here with no money and they where not willing to process my modification for lower interest so i'm going to begin the legal process to have this loan removed from my name or rocketloans can put my payments at 9 % interest like it says on public record and re allocate the proper amounts and remove those 3or 4 unlawful late remarks off my credit due to the fact that the federal government said while covid is happening creditors where not allowed to put bad marks on consumers credit yet they did it anyway so i need federal help resolving this dispute please help bccaise out here in california they are trying really hard to ruin me and my name and my credit and what ever else they can get there little hands on and that speaks for the community

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stevens Business Service, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I recently had an unemployment direct deposit hit my account for over {$10000.00}. On XX/XX/XXXX for the first time since XX/XX/XXXX. The direct deposit cleared with no problem.they let me use my money to pay off bills and now they want proof of paystub and a W-2 for them to release the {$8400.00} balance on my account. It hold them that there was no way I can provide a paystub for unemployment benefits and they insist that provide them documentation for it. I call the state of Massachusetts unemployment and they said everything was fine on their end in which nothing was wrong. Account information was correct. I provided chime with a snapshot of where the funds came from in the account. They also let my next unemployment check hit the account for {$260.00} on XX/XX/XXXX with no problem. Now they are restricting my account and not letting me access my account. I told them that I have been through enough XXXX for the last six months trying to getting to take care of my family. Im running out of time and will lose my home at the end of the month if do not have access to my account to pay these bills at home. I will threaten legal action and call my state representatives to make sure that they are held accountable. Since they are not a legal bank as states on their site they can not withhold my funds without a court order from a government entity. A clear violation of federal law.

Company response to consumer: Closed with explanation