vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union Rate Lock Issue XX/XX/XXXX - lengthy email received from XXXX XXXX including an itemized list of action items ; buried in the rest of the text is a notification that my rate isn't locked in XX/XX/XXXX - follow up response email from XXXX XXXX re : itemized list of action items ; bottom of the email in a smaller, different font is same notification that rate is not locked in XX/XX/XXXX - XXXX sent a short email to XXXX XXXX asking if there was anything else I needed to do in this process with me failing to remember what had and had not yet been done up to this point ; she responded no there was not XX/XX/XXXX- I sent another short email to XXXX XXXX asking if there was anything else I needed to do ; she again responded there was nothing else and that the application had moved to processing XX/XX/XXXX- I receive a call from my processor saying the rate was never locked and has now increased from 2.625 % to 3.125 % Upon speaking with XXXX XXXX and her supervisor, XXXX XXXX, they have clung to the original two emails as adequate notifications and have disregarded my two follow up requests where XXXX XXXX either missed that requirement or intentionally did not mention it. Either way, based on how she has responded and is unwilling to correct this situation, it seems as though it either rises to gross negligence or outright deception.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I have online banking and for the last 3 months I have been having problems signing into the account. For the last three months I have to call the bank and going through them asking me the same question all over again why this is happening I don't know. My feeling is they want me to close my account and I am not going to do that.I have been in their system for over 5years Or more so why should I do that. The bank is Roslyn Saving Bank division of New York Community Bank XXXX NY. I need help with this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
1.XXXX XXXX is reporting my capital one card with a credit an inaccurate credit limit. XXXX XXXX is reporting that capital on cars have an over 2 000 dollar credit line which is not true. These accounts are well under 2000 credit line. 
2. XXXX XXXX is also reporting all capital one card accounts muliple times 3. XXXX XXXX is reporting closed capital one as closed open o - time. muliple accounts as closed open. The closed accounts are not active and with no usage but is being reported as open. 
4. Both of this actions have a negative impact on my credit vintage and XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: NY

Complaint narrative:
1.XXXX XXXX is reporting my XXXX  XXXX card  with a credit an inaccurate credit limit. XXXX XXXX is reporting that XXXX  XXXX XXXX  have an over 2 000 dollar credit line which is not true. These accounts are well under 2000 credit line. 
2. XXXX XXXX is also reporting all XXXX XXXX card accounts muliple times 3. XXXX XXXX is reporting closed XXXX  XXXX as closed open o - time. muliple accounts as closed open. The closed accounts are not active and with no usage but is being reported as open. 
4. Both of this actions have a negative impact on my credit vintage and fico score XXXX, XXXX  and equifax scoress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2022 I received a wire transfer of funds in the amount of {$42000.00}. It was a wire that I was expecting as payment for a real estate transaction in which I was selling 2 lots of land that I own for these funds. The funds came through as expected without issue and the wire was posted in my Wells Fargo Business Checking Account. However, on the morning of XX/XX/2022, I received an email notification from Wells Fargo stating that all of my accounts with them were being closed as of XX/XX/2022, as a recent money transfer to my account was reported as unauthorized. I then called Wells Fargo to inquire what was going on as they had not called me and stated that there was any issue. 

They proceeded to tell me that the wire transfer of the funds that I had received were being " recalled '' as the person that sent the wire, was claiming that the wire was not authorized by them. I informed the Wells Fargo Representative that this is not accurate and I was expecting these funds to close out a real estate transaction with the sender. I informed them that I did not know why the sender was now lying & stating but it sounds like they are trying to scam me and get my property without completing payment for it. I informed the rep that they are MY bank and that me receiving legitimate funds is no reason for them to close out my accounts with them. As they ( Wells Fargo ) is acting like I did something wrong when I did not.

The rep then informed me that it looked like the sender themselves may have been flagged for potential fraud and that is the issue. I again stated that as far as I knew, the person I was conducting the transaction with was legitimate and I have a real estate contract with them & have given them the deed to my property already in exchange for these funds. Also, I informed the WF Representative that the whole reason that I requested for them to complete this payment via wire transfer, was because that is the only means of certified funds that can not be reversed. At least that is what I've always been told by the banks is that a wire can not be reversed. The representative then said they would investigate and make a decision by XX/XX/2022. 

I spoke to a local Wells Fargo branch representative on XX/XX/2022 and she confirmed that I did nothing wrong. She also confirmed that based upon the information I presented to her that there is no reason to recall the wire and from what she was told, the wire would not be being returned. She confirmed that it was up to me whether or not it could be returned. And I informed her that I dispute it being recalled. She then also confirmed that Wells Fargo 's fraud department were wrong in pursuing closing my accounts as again, I did nothing wrong.

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
After not telling me anything as to why XXXXXXXX XXXX closed my account, they have caused it to be nearly impossible for me to open another bank account with any other bank! This happened around XX/XX/2022. Without a bank account, I can't get paid and it's causing me so much stress ; I can't pay my rent because I don't have access to any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TX

Complaint narrative:
I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to XXXX XXXX XXXX  The XXXX XXXX XXXX  account still shows on my credit report and 30 days late. It get my credit score XXXX points down. I m middle of another loan it hurt. 
I call XXXX XXXX XXXX to send correct information there didnt do any thing. I dispute credit report agency trans union and XXXX there didnt do any thing. Its more than a month for cash out refinance and XXXX XXXX XXXXe still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency

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 2022-02-03 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: TX

Complaint narrative:
I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to XXXX XXXX XXXX. The XXXX XXXX XXXX  account still shows on my credit report and 30 days late. It get my credit score XXXX points down. I m middle of another loan it hurt. 
I call XXXX XXXX XXXX to send correct information there didnt do any thing. I dispute credit report agency XXXX XXXX and equifax there didnt do any thing. Its more than a month for cash out refinance and XXXX XXXX XXXX  still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to XXXX XXXX XXXX. The XXXX XXXX XXXX  account still shows on my credit report and 30 days late. It get my XXXX XXXX XXXX points down. I m middle of another loan it hurt. 
I call XXXX XXXX XXXX to send correct information there didnt do any thing. I dispute credit report agency XXXX XXXX and XXXX there didnt do any thing. Its more than a month for cash out refinance and XXXX XXXX XXXX  still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency

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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I went to the XXXX XXXX of Wells Fargo to close all my accounts with them ; one checking account, one savings, and a line of credit, XXXX  XXXX XXXX. I moved money out of all the account and paid all debt in them. The branch told me my accounts were closed after this. Four years later, XX/XX/XXXX, I have a 1099 tax document giving me the amount of interest one of my accounts has accrued for the fiscal year XXXX, {$16.00}. 
I went to this same branch on XX/XX/XXXX and asked them about this document. The teller said it was a 1099. When I explained that I had closed all my accounts, the manager told me it may be another account associated with a different credit card, or other line of credit. They did not inform me what account it was, they ran my information ( name, SSN ) and couldn't tell me. The manager told me to contact their customer service hotline. XXXX, but this would eat through all my free time and I do not trust this bank.

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 2022-02-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX {$3400.00}. Credit score dropped over 40 points overnight! 
Wells Fargo Bank XXXX {$1300.00} Credit score dropped over 20 points for no reason! 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have no late or delinquent 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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX and XXXX both removed a collections account from 2008, Experian has refused to do so. It is 7 years past the statute of limitations, and this single item is preventing me from getting approval for even credit rebuilder loans. Experian has not been helpful, and has not removed this mark. Adding complication to this is the inability to dispute online, forcing me to call during work, which is interfering with my duties.

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 2022-02-03 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: NY

Complaint narrative:
XXXX XXXX XXXX is reporting on my XXXX credit report thatvi have over 600 dollars in collections.and reporting that I don't have any collections bur they are reporting the numbers which are inaccurate and its misleading to any creditor to give me any credit or financial assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting on my XXXX credit report thatvi have over 600 dollars in collections.and reporting that I don't have any collections bur they are reporting the numbers which are inaccurate and its misleading to any creditor to give me any credit or financial assistance

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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I received an email stating that citi bank was closing my account. It has been 60 days and Ive called and spoke with over 20 reps. No one can tell me why they are closing my account or why the account has closed. This company is refusing to follow the federal guidelines outlined by the regulatory body for financial institutions. Citi bank representatives have hung up the phone on me and refused to answer my questions. They have denied me access to my money in the middle of a pandemic and no one seems to care. I feel XXXX XXXX by this bank and will be moving forward with legal action if these accounts are not closed immediately! The bank is also refusing to give me my money

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 2022-02-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-02-03 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:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE IS DESTROYING MY LIFE WITH THESE FRAUD ACCOUNTS. I DONT KNOW WHAT TO DO. I AM GETTING MY CREDIT TOGETHER AND I SEE THESE FRAUDULENT ACCOUNTS. I NEVER AUTHOIRIZED ANY OF THESE ACCOUNTS. PLEASE INVESTIGATE THESE CRIMINALS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX I tried to file chapter XXXX after my husband died and I was struggling. When it came down to meeting the mediator judge type person they tell me they are using my house as collateral.i had not been told this prior to this point. I hit the roof and said no no way cancel this I'm not doing it I could get hurt tomorrow and not be able to pay and loose my house. So as far as I was aware it was cancelled. I found out in XXXX that all the debti was including was not only returned to my credit report but it reopened them and the calls started. Well I went thru and got the original cases closed and was just going to deal with the negative remarks on my credit thinking I couldn't do any better. But now I have what looks like new accounts in large amounts on collection accounts and they are the original creditor. I also have a dismissed bankruptcy listed on my credit that is stripping me from being able to rent any place to live. That Bankruptcy I cancelled should not be on my credit as dismissed or any other status unless I failed to complete the terms of a case I filed which is not the case I cancelled this myself before it was ever completely filed. I feel this is unfair to my ability to get a proper place to live and being on social security now my options are already limited to begin with I don't need anything else against me after the last 7 years I've had please help remove this bankruptcy and check the recovery accounts against original debt with XXXX XXXXXXXX and XXXX those accounts were closed and written off before now they've been sold and reopened starting my failures all over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/XXXX a fraudulent charge appeared for {$400.00} on my checking account. I immediately called Citizens Bank to inform them. They told me I would receive a temp refund and an investigation would take place. I asked if I should change my debit card number and was told " wait for the investigation results... they will call you ''. on XX/XX/XXXX, I received the refund and a couple days later received a letter asking for additional information on a form. I completed that form and mailed back within 2 days of receiving. On XX/XX/XXXX, another fraudulent charge appeared on my account for {$190.00}. I again immediately called Citizens back and filed another fraud case. I then demanded that my debit card be changed. I received a new card a few days later. I never received a call from citizens stating the results of the first case. on XX/XX/XXXX I received a letter from Citizens stating that they had investigated the case and that the first charge was not fraudulent. they stated they were reinstating the debit of {$400.00} to my account. I called citizens and spoke with a customer rep who said she would have the fraud team call me in a couple days. I received a voice mail a week later from Citizens, but the call back number was the main number and they can not connect me with the fraud team. They said they would put in another request to have them call me. To date, I have made about 10 calls and 2 trips to my local branch. I received 1 other call from a rep, but they just listened and said they would have the case examined. I have since received subsequent letter stating that both of my fraud cases were found to no be valid. Currently I am out {$600.00}. There is NO DOUBT that these charges are fraudulent. At the time they were made at a point of Sale device in XXXX TX, I was in Rhode Island and have subsequent charges from the same day attending to my location. Citizens has stated they have tried to call me multiple times, I have no record of these calls and am more than willing to produce my phone records to prove that. Citizens has never provided a rational as to why they feel this is not fraud. In my opinion, this case represents a bank not properly investigating a fraud charge and making the process so difficult that the consumer just ends their pursuit to recover stolen funds. I wonder how many less tech savvy customers have given up on the process, but I assure Citizens, I will not. Citizens Bank has an obligation to protect its customers money. They have failed and are attempting to negate their responsibilities.The two fraud claim numbers assigned by Citizens bank are XXXX and XXXX.

Company response to consumer: Closed with explanation