vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANKMOBILE TECHNOLOGIES, INC
State: DC

Complaint narrative:
Customers Bank, Member FDIC, the bank behind the XXXX XXXX product placed undue hardship on heirs to bank account holders, effectively precluding access to much needed funds as the time of death of the account holder. A well known standard practice among banking institutions in the United States is to permit account holders to designate a beneficiary of the account upon the passing of the account holder. Every human being dies. The death rate is 100 %. Yet Customers Bank allows no appointment of a beneficiary, effectively allowing the bank to keep funds for its own use during the potentially extensive probate process. When a person dies, there will be fees necessary to handle the final arrangements for the body as well as for immediate needs, such as the care of dependents. It is the stated policy " We would request copies of the death certificate, a copy of the Notice of Appointment of Executor/Executrix or the appropriate documents if there is no estate, and a copy of their unexpired government-issued ID to assist us in this endeavor. '' These create unnecessary delays that would not occur if Customers Bank permitted the designation of a beneficiary in advance of the death of the account holder. Customers Bank has a self-dealing incentive to hamper access to these funds given that upon the death of the account holder, the earned interest rate will drop from 4 % to 2.5 % because the account holder can not continue to perform 10 debit-card transactions per month necessary to earn the 4 % interest rate. This windfall to the bank, in the form of higher spread during the months necessary to obtain court appointment of an executor, is unconscionable misconduct by Customers Bank. 

When a beneficiary is appointed for a bank account - at any bank other than Customers Bank - the funds move immediately to the beneficiary who can use those funds to meet the needs of the estate or any dependents. When the funds are withheld, as Customers Bank intends, these funds benefit Customers Bank and not the heirs of the decedent.

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 2023-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Well Fargo was my mortgage company for a few years back XXXX - XXXX Wells Fargo sold to another bank - I believe XXXX Mortgage. 

I was told by my XXXX Lawyer told that I have a second mortgage from Wells Fargo which I was not aware of ..... I just filed bankruptcy XXXX. 


I still have my tax documents from Wells Fargo XXXX. 

Don't know how it showed up, but it did. I know I did not put out a second mortgage especially for nothing, no cash advance or home improvement was made. 

Can someone please help me. 

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 explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MI

Complaint narrative:
On XX/XX/2021, I initiated a dispute on credit report to the credit bureaus asking if they report bankruptcies to the credit bureaus and I got a letter stating The company that reported the information has certified to XXXX that the information is accurate. To date, I have not heard back for the dispute with the other agencies. How did the credit bureaus verify my bankruptcy as 100 % accurate? I do not believe a fair investigation was conducted according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 instruction.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc.
State: MD

Complaint narrative:
Upon signing up for this service to help build my credit. I wasnt made aware of the amount of interest I would be charged. The problem happened when I decided to pay the remaining XXXX dollars of my XXXX balance needed to open my credit card account. Once you reached a savings amount of XXXX had XXXX months of on time payments with an account in good standing. You would be eligible to open the card. Upon doing so on XX/XX/2023. I had all three needed requirements completed. Noticing the updates on my account but no access to opening the card I contacted self. I was first told I didnt have the money and the payment I made applied to my interest and not my savings. The worker then came back on the phone after placing me on hold and told me that the money did go through I would just have to wait 5 days for it to process. I wait 5 days and within those XXXX days the money I had put into the account began to decrease. What was XXXX was not XXXX next day, XXXX the next day XXXX and today XXXX the XXXX XXXX. When I contacted them about the decrease I was told that money was being taken and applied to my interest. However with loans Ive never had this experience where money Ive already paid was continuously taken and added to my interest daily. Especially since this is a savings account. When asked how much they could not tell me an answer nor could they fully explain why. Upon learning all of this I feel this needs to be reported and looked into. They do not make customers aware of this when starting out. In essence it makes it difficult to save if your money is constantly being taken and used, especially when you make payments towards the interest and principal monthly. So what is the need for the extra being taken without my knowledge or consent? As of today even with all checklist marked off an account in good standing and a amount of over XXXX dollars saved up. I have still yet to receive my invite to sign up for the card. And my money in my savings continues to decrease. I just want to be sure all that is going on is legal and appropriate. I do plan on closing the account early but only once this is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I received an email from Marcus by Goldman Sachs in XX/XX/XXXX, stating that my savings account has been closed. It took me three calls into their Customer Service Department to find out WHY this happened. Once I learned of the issue, I take full responsibility for why it was closed. 

However, I have called into Marcus multiple times to get my money back, starting in XX/XX/XXXX. In XX/XX/XXXX, I sent in an affidavit of identity because I had moved apartments so that they could send a check to my new address with the funds. I verified they had received that on XX/XX/XXXX and were reviewing. I was told I would receive a call. I did not receive anything. On XX/XX/XXXX, I called in again and was told that a new Work Item would have to be opened from this call, which could take 1-3 business days. I was told I would receive a call. I received nothing. On XX/XX/XXXX, I called in again. This time, I was told that it was NOT possible for a check to be dispersed, and that my notarized affidavit was a wasted effort and three weeks that I could have been following up. I paid {$4.00} for this. From the XX/XX/XXXX call, I was also told that my account was in the process of being re-opened so that the funds could be moved there. I am not sure why this process has taken XXXX months, and all I want is my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/23 I submitted a check for a mobile deposit in the amount of $ XXXX.The check was from XXXX for paid family leave. The next day XX/XX/23 I received a confirmation e-mail the check was successfully deposited but wouldn't be available until XX/XX/23. The same day I received another e-mail saying my account was restricted. The same day I proceeded to call to find out what was going on. After numerous attempts to get ahold of an agent finally I was able to get ahold of someone. An agent told me they needed to verify the sender of the check. She went ahead and called XXXX to verify the check but couldn't get ahold of anybody. She told me to call the next day earlier in the morning. The next day XX/XX/23 I called and another agent attempted to verify the check but said the lines were busy and to try to call back later in the afternoon. I did just that and another agent told me later that day that my account was being closed and thanked me for the years of banking with them. I asked why and she said they have the right to refuse service to anyone and I would not be allowed to open another account with them. I asked what would happen with my money and she said I would receive a check for the money from my savings. I asked about the check and she said I could go ahead and deposit it somewhere else. I went ahead and deposited the check to another checking account I have at XXXX XXXX. This past Friday XX/XX/23 I checked that account and saw the check bounced because XXXX XXXX  still has a hold on the check when I was told otherwise. I try to call and get sent to the resolution department line which is just voicemail. When I try to talk to an agent as soon as they look up my account I am transferred straight to the resolution department voicemail again. I've made various attempts to get ahold of someone and have left voicemails in the resolution line and nobody has gotten back to me to this day. This issue has taken almost XXXX weeks and it's not resolved yet and I have not heard back from anyone. Agents I was able to get ahold of have given me misinformation about what is going on. My account and check are on hold. I do not have access to my money. Need to pay bills which I was going to use that check for. I do not feel they are taking my case seriously. I believe it should not be taking this long to investigate my account and verify the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XXXX XXXX, 2023 I deposited XXXX dollars in my business account. Bank of America sent me an email confirmation stating that my check was deposited and that the check will be cleared and available on XXXX XXXX 2023. When I tried to access my business account online, It was saying user not found. I called Bank of America on XX/XX/2023  and the customer service representative told me that my account was open but my card is locked. She said call risk management on XXXX XXXX, 2023. I called on XX/XX/2023 and Bank of America said that they closed my account and it will be finalized on XXXX XXXX 2023. I asked why and they replied we dont have to say why we closed your account. Bank of America said they would send me a cashiers check after the check is cleared. I called Bank of America today which is XX/XX/2023 and asked to speak with a manger. The manger said that my check that I had deposited was still being verified and she cant give me an estimate time when it would be done. So, I asked the manager if we could do a conference call with the bank to verify the check and she said no. So I called and asked the business that issued me the check and they said it had been cleared on XXXX XXXX2023. Bank of America has cleared my check already and I have the copy showing when they cleared it. I got the information from the person who wrote the check out to me. I am really disappointed in how this is being handled. I would never recommend Bank of America to anyone. This is discrimination.

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 2023-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
The car XXXX XXXX XXXX was a total loss XX/XX/XXXX. XXXX ( my insurance ) paid XXXX XXXX {$20000.00} for a XXXX used vehicle when my pay off was XXXX plus an additional XXXX XXXX monthly payments I was making since XXXX XXXX. I have emailed them multiple times requesting the " prior damages '' I still owe and until this day I have not received any reports or a letter stating what were the " prior damages '' and now my credit score is been affected. I have also called multiple times and since it's a recorded line they do have it on records. I need your help please to help me resolve this matter because they refuse to close my account.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
We began a refi in XX/XX/2022 with a new lender XXXX Mortgage. This new lender has requested XXXX years worth of payment verification for the XXXX, as well as our mortgage, from our current lender Huntington Bank. Upon multiple phone calls to XXXX with these requests, XXXX in turn requested that the third party be the XXXX  to fax or make these requests. XXXX  has sent at least XXXX different requests, by fax, phone calls and emails. XXXX also requested XXXX get involved to dispute a late payment XXXX reported 30-days past due. A three-way conference call between us, XXXX and XXXX also happened requesting that these statements be provided. The XXXX representative asked and confirmed an email and phone number for XXXX, because they would be following up. XXXX and XXXX have been following up daily. XXXX to date, has not provided any of the parties involved. any documents for payment verification so that we can move forward and close. When XXXX was questioned regarding if they have sent this request to XXXX, they claimed on XXXX different occasions they were sent. When we followed up with XXXX and XXXX, they both state differently, that their phone calls and fax requests have all been ignored by XXXX and no response or documents have been received. XXXX has delayed the closing date for this refi by XXXX months already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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:
I've tried having this fraudulent information resolved a few times to no avail. It's preventing me from taking a step in the right direction for employment and housing. I need help ASAP.

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 2023-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: P&B Capital Group, LLC
State: AZ

Complaint narrative:
My wife received a text message stating ( XXXX XXXX please call P & B Capital Group LLC at XXXX XXXX ) for file # XXXX to avoid a delinquent tradeline report. ) This company has not talked to my wife and has not sent any letters regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is not a duplicate complaint and I'm not using any third party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XX/XX/XXXXXXXX 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 Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please remove these inquires from my report immediately, they are fraud items.

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 2023-02-09 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: VA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Equifax and XXXX ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in XXXX, XXXX XXXX tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation