vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received a personal loan from XXXX XXXX of XXXX $ on XX/XX/XXXX. I deposited it at my local chase bank on XX/XX/XXXX or XXXX I can not remember exactly. It was placed on hold as most checks are. Initially the hold was for XXXX. When the hold was supposed to be up, I found my bank account had been closed. On XX/XX/XXXX I saw this and reached out to Chase and was eventually directed to Loss Prevention. After almost of month of talking with both Chase loss prevention and XXXX XXXX we have been unable to reach a solution. Chase says they need Makers verification and can only contact numbers that exist in their internal catalog ( apparently they dont have one for XXXX XXXX XXXX and there other solution was to have a physical employee of XXXX XXXX come to a branch with me ( which is also not possible according to XXXX XXXX as they are mostly online and do not have bankers available to do that ). Lastly Chase has said that XXXX XXXX should be able to Recant the funds but they seem to be having a hard time doing that as well. Regardless {$30000.00} of what should be my money is collecting interest with XXXX XXXX and is not accessible by me at all and it is putting me in a dire financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
In XXXX, I made two payments against the principal of my mortgage in addition to my regular monthly payment. One of the payments was correctly applied to the principal but the other was not. It was incorrectly applied to my monthly payment. My online account indicates that I do not have a payment due until XX/XX/XXXX when it should show that my next payment is due XX/XX/XXXX and my principal amount should be reduced by {$1000.00}. The is the second time Carrington has ignored my request to apply an amount to my principal and misappropriated my payment. I have contacted the company on three occasions. I have spoken with representatives in Indiana, and Texas twice. They are unable to correct their mistake. I was told by the Indiana representative that this recurring problem is caused by improper training of representatives handling payments. They should indicate " NO PROMISE TO PAY '' and they do not. Regardless, they are misappropriating my payments and my account is continually mal-adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2022. My social security was deposited into my account at Citibank. I received an email and text message stating that a {$400.00} XXXX transaction was pending for a man that I didnt know. I called the bank and spoke with a rep and let her know that I didnt authorize that transaction and to cancel it and was told that it already processed even though it was in processing and that it couldnt be stopped. I was told that I needed to submit a claim which I did and then I was told to open a new account which I did also. My uncle sent me money to the new account and the man that stole the {$400.00} tried to steal the {$200.00} that was going to the new account. Citibank closed both of those accounts down and opened me up a new account. I have contacted the bank to see about getting my money back and nothing. I have contacted the bank several times. I have spoken to the head fraud investigator XXXX XXXX and still I havent gotten my money back. XXXX XXXX advised me that Citibank has had several customers hacked within the last few months and they are working on the problem, but I still havent gotten my money back. It has been exactly 30 days now from XXXX and still no resolution.

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 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: DE

Complaint narrative:
Our mortgage company XXXX Rocket Mortgage XXXX has repeatedly contacted us about refinancing and/or borrowing against the value of our home. Since the value of our home has increased, we asked if could have the PMI removed since the loan-to-value ratio was estimated to be below 80 %. We were told ( and I have this in writing in the form of a text ) that as long as an appraiser estimated the value of our home at a price that made our loan-value ratio lower than 80 %, we could remove the PMI. We got the house appraised, submitted the appraisal to Rocket Mortgage, then followed up and asked them to remove the PMI. They then said that we had to go with an appraiser of their choice ( something we explicitly asked them ) and they could not remove the PMI until that point. The text I received had a number and when I called that number, they claimed they had no record of that communication from Rocket Mortgage. Instead I was told I would have to make a principal payment of {$38000.00} do have the PMI removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi! My name is XXXX XXXX, Ive just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-08-01 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: MD

Complaint narrative:
I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS : XXXX : XXXX Equifax : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate 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, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate.

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX  XXXX Account Number : XXXX The date last active day is wrong. 

Account Name : XXXX Account Number : XXXX This is not my account. 

Account Name : XXXX XXXX Account Number : XXXX The date last active is wrong. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  FINAL BILL ) Account Number : XXXX Not my account. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Numbers : XXXX XXXX None of these are accounts were mine.. 

Also, I have some personal information that needs to be addressed as well. Can you please investigate and remove these names as well? It should only be as listed at the top of this letter. 

Wrong Names : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Wrong Addresse : XXXX XXXXXXXX XXXX  XXXX, MD XXXX Wrong Employer : XXXX XXXX Current Employer : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi! My name is XXXX XXXX, Ive just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have Mortgage account XXXX with the fifth third bank and an escrow account with the bank. After I received the first invoice of the property tax after appraisal, on XXXX XX/XX/XXXX, I chatted with their online representative and I was told to send all documents to the bank 's e-mail address " XXXX ''. I did exactly what the representative said and you can find the chat logs in the attached log file of XXXX ' and the screenshot of the e-mail in the attached png file XXXX  '. Then, on XXXX XX/XX/XXXX, I also received more invoices that they must have been paid by the mortgage 's escrow account. Then, I opened another chat, and again, I tried to communicate with their chat representatives. You can see 2 chat log files ( XXXX and XXXX ) with two of your representatives, then I sent the documents to their e-mail again. Please check XXXX ' in the attachments. However, in the last days of XX/XX/XXXX, I received another invoice from the tax collector, XXXX tax, with a penalty and interest over the first value. As you can see, I followed all their instructions and I sent the document to the correct departments long before the due dates. The bank made me pay the penalty and interest although it was their mistake. I just called them today and they said it is my mistake I have no idea how. I have all the log documents and e-mails. Recently, they also missed the due date of my house insurance which must be paid by my escrow account. If something happened during that time at my house, I would have so much trouble. I am willing to share all the documents with you. I hope you can find a solution. Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The mortgage is under my name, but we are both on the title to property located at XXXX XXXX XXXX XXXX. Originally, the mortgage was through XXXX XXXX but was sold to Wells Fargo. The XXXX homes on the property were burned down because of the wildfire in XX/XX/2022. We informed Wells Fargo that we wanted to keep the mortgage because we planned to rebuild. Every time, however, that I have spoken to them, it feels as though they are pressuring us to pay off the loan and refinance with a higher interest rate. We don't want to do that. They have then been giving random and often untrue reasons for them not letting us keep the loan -- one was that the homes would be modular, another was that there would be multiple homes ( there were XXXX homes on the property when Wells Fargo bought the loan ), and the one most recently was that they would be XXXX -- which they are not -- one is over XXXX sq ft, the other is about XXXX sq ft. A third is at about XXXX sq. ft. WF has a copy of our proposed site plan as well as plans for each of the homes. What is even more troubling is that Wells Fargo has retained and has not delivered to us money owed to us. The outstanding loan balance is {$280000.00} and WF received a check for {$540000.00} and some change. They are to send us the amount not owed them, which is about {$260000.00}. We need that money to secure purchase of the homes we are getting. Our complaint about retaining the loan has been escalated, but we keep getting extended deadlines for resolution. That issue, however, should not prohibit them from sending us what is owed to us. We chose to go modular/manufactured because of the current cost to rebuild a site/stick home is very expensive and the timeline is beyond what insurance would allow.

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 2022-08-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unauthorize inquiry from company 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 2022-08-01 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-08-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I HAVE THIS SITUATION, XXXX XXXX XXXX IS REPORTING INCOMPLETE AND INACCURATE INFORMATION ON MY CREDIT REPORT. I SEND TO MANY LETTER TO THE CREDIT BUREAUS WITH NO REPONSE OF THIS ISSUE, THEY KEEP SAYING THAT THIS ACCOUNTS ARE VERIFIED AND THEY UPDATE THE INFORMATION, BUT IM STILL LOOSING INFORMATION ON MY CREDIT REPORT, FROM THIS COMPANYS, AND TODAY I RECEIVE A LLETER FROM THOSE TWO COMPANY SAYING THAT I DONT INDICATE WHAT SPECIFIC INFORMATION IM DISPUTING OR REQUESTING TO VERIFY, AND I SEND THE LETTER CERTIFIED WITH THE SPECIFIC ISSUES THAT THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT. ACCORDING TO THE FCRA THEY NEED TO GIVE THE COSNUMERS AGENCYS THE CORRECT AND EXACT INFORMATION ON MY CREDIT REPORT, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

ATTACHED I SEND THE DOCUMENTS THAT I SEND TO CREDIT BUREAUS, THE CERTIFIED LETTER PROOF AND THE LETTER THAT XXXX XXXX XXXX SEND ME FOR THOSE XXXX ACCOUNTS THAT IM DISPUTING. 

I KNOW THAT I NEED TO WAIT THE 30 DAYS FOR A RESPONSE, BUT I ALREADY RECIVE RESPONSE FROM XXXX XXXX, THATS WHY IM SENDING THIS DISPUTE THROUGH THIS COMPANY.

ATTACHED ALL THE LETTERS WITH THE DIFFERENTS DISPUTES AND THE SCREENSHOOT OF THE MOST RECENT REPORT

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 2022-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted the following company that has a hard inquiry on my credit report on Equifax and they have no knowledge of me. XXXX XXXX XXXX/XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I received a Vanilla gift card at my baby shower XX/XX/XXXX. The value of the card showed {$100.00}. I registered the card online on XX/XX/XXXX so that I could use it for purchases. However, when I checked the balance online, it said {$1.00}. The card 's packaging was not opened until I registered it, so I couldn't understand why it only has {$1.00} remaining. I called the Vanilla gift card customer service number that morning and was told I would have to provide my personal information in order to open an investigation, and that it would take 90 days for a resolution. I did not feel comfortable providing my personal information over the phone ( the only option given ), told the customer service person this and ended the call. After researching online, there have been similar situations with this particular gift card brand for some time. An article I read from a paper in XXXX, Texas referred those who'd experienced something similar to report it to the state 's consumer affairs department. I called and left a message with the Florida State Attorney 's office. I was contacted by the State Attorney 's office on XX/XX/XXXX and officially filed a complaint. I was then told to also file a complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau. That is why I am filing my complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I encountered an incredibly deceptive marketing practice from Bank of America, which sells the XXXX  XXXX XXXX card. As I checked out from purchasing XXXX XXXX  XXXX tickets, an ad promised " Limited Time Online Offer : Buy One Ticket, Get One for just the taxes and fees + XXXX Bonus Miles. '' It also promised that if I applied right now and was " instantly approved and activated, '' I could use the new card to purchase my current ticket. I was instantly approved, but when I checked the box saying I wanted to use the card right away, I got this message : " There was an unexpected error loading the disclosures so we can't instantly activate your credit card for this purchase. ''

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 2022-08-01 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: MD

Complaint narrative:
On XXXX XXXX, 2022, I faxed Equifax my documents that they required to take fraudulent inquiries off of my consumer report. As of today, XXXX XXXX, 2022, they are still on my report, and impacting negatively, as well as hindering my ability to have a correct credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/22, my Venmo account was frozen/suspended. I am unable to add funds and/or transfer funds to other persons. Ive had to delay sending funds to family for vacation expenses since the restriction. I attempted to resolve the issue with Venmo or XX/XX/22 and was told that my case requires additional attention from another team. However, I was not told why my account was restricted. I contacted Venmo again on XX/XX/22 asking for additional information and an update and was told that an additional investigation was needed to verify my identity, however nobody has contacted me to resolve the issue. Its been three weeks since restriction with no response. Ive been willing to cooperate but Im being told I can not speak to any account XXXX. The lack of clarity and transparency for an account restriction is outrageous. I want to help with the issue but I am constantly running into road blocks on MY account. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 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: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have been paid and settled. I have disputed these accounts to ask the credit bureaus to update the status correctly and the bureaus have not. I have reached out to the original agency to ask them to send an update to bureaus which did happen but the bureaus have not updated.

Company response to consumer: Closed with explanation