vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am going though identity theft! It has completely turned my life upside down making me paranoid, and has brought out challenges as in my XXXX and heightened them as well I have meet and exceeded expectations that the bank has requested in my option, and have had to be part of my own dehumanizing. As I am XXXX I am asking for a reasonable accommodations for my XXXX so I apologize in advance if I mispronounce, might not ask or explain thing probably. I do appreciate your patience with me. I have been a customer with XXXX XXXX sense XXXX in XXXX I opened a business banking account for my charity the XXXX XXXX I do outreach and advocate for individuals with XXXX including myself I was refused the reasonable accommodation as well as simple fundamental customer rights I believe the identity theft is though the bank I am convinced I am truly at a loss for words as I watch my credit score and my public image, and mental heath are diminishing. I live on a fixed income and cant afford the money, time from school, and the Commuity that I help I am also part of the XXXX XXXX XXXX XXXX XXXX programs of XXXX  county and I have put everything on hold they have subjugated me to ableism on a level that has left me crying myself to sleep nightly. I never asked to be born little loan with XXXX and I have overcome all adversities life have thrown my way but this one with the bank has prolly been the hardest and thats a bold statement please help me I have supporting documents as well I have went to the bank over thirty times in the last two months only to be refused service or misspelling my name on the business account and the refusal of the documentation from the IRS on two different occasions I was flagged as fraud as well because the misspelling of my name multiple times from the bank has me as having alias and now my capital one accounts were compromised as when the 360 banking with capital one reached out to verify me XXXX XXXX XXXX gave them false and fraudulent information about me I know this sounds far fetched but I can prove everything with documents and a mound of evidence thank you for taking the time to reach this sincerely XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a new checking account with Chase because of the new customer bonus promotion. On XX/XX/XXXX, I was issued a payroll check from my employer which was my first transaction on the account. I deposited this check via the mobile app. A 10-business day hold was placed since it was a new account. On the 10th day, I contacted them because it was still not released to my account. They then told me the account was restricted due to being unable to verify the phone number associated with the maker of the check on XX/XX/XXXX. I reached out to my payroll manager and called back with a list of possible matching phone numbers, but none were listed in the XXXX system. My account manager confirmed with me there were no other possible numbers, but that Chase had cleared the check and XXXX could not issue a stop for that check. On XXXX, I tried a 3-way call with my treasurer and Chase Fraud department , but no numbers matched. All phone numbers within my employer were accurate. On XXXX, they told me to bring verification documents to a local branch to scan in and request a release of the account hold. I did this on XXXX and was told to call back in 24hrs for it to reflect. I called back on XXXX and was told the documents ( pay stub, check, verification letter from employer, XXXX, and work ID badge ) were not accepted. I informed them the system did not have a correct number on file and there was no way to match it. Working with the branch manager and fraud department, they have said they will hold the funds indefinitely until a matching number can be found and will not issue them to me or void the transaction, despite not being able to match their incorrect number and providing numerous supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I bought my house on XX/XX/XXXX and I closed with down payment assistance since this was my first home. They offered me a down payment assistance through a second lien with XXXX XXXX  XXXX XXXX XXXX and it was forgivable at the anniversary # 3 which will be XX/XX/XXXX. I started receiving letters from Wells Fargo trying to collect the money I received at the closing of the home from the down payment assistance for the amount of {$6600.00}. I called them since I was completely in shock at this new information but they don't give me other options than to pay in full this amount. I verified my closing documents and no where to find that I need to pay back at maturity if I don't sell, refinance, transfer, or not use the home as my primary residence. 
I dont know if it had to do with a forbearance due to XXXX but the bank did not advise that this would harm me financially. I believe this is not my error.

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 2023-03-07 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: FL

Complaint narrative:
CHECKING MY FILE IVE NOTICED ALOT OF INVALID DATA. THIS IS MY 2ND ATTEMPT I AM INTERESTED IN DISPUTING ALL INCORRECT INFROMATION SUBMITTED IN MY FILE. PLEASE REVIEW AN CORRECT INFORMATION LISTED 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 2023-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had a credit card that was fraudulently opened in my name and charges were consumed. I was informed through the credit bureau that their was a hit on my credit from it and that's why I'm disputing this as fast as possible so I can get my credit back to where it was. I'm also trying to buy a home when this all happened and it has slowed me from purchasing a home

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08 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: MOHELA
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 
15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/2023 I rec 'd a telephone call from a person identifying himself as a representative of CASH APP he stated that my account was hacked and he would help me get my money back By following his instruction he was able to convince that what I was doing would get my money didnt make sense I hung up I called my bank I called cashApp but both entities said I had no recourse and my money was gone I cancelled my debit card and no longer use the Cash app but I am out XXXX I AM A SENIOR CITZEN ON A FIXED IINCOME This loss is a hardship to be sure What can I do now to get my money back I am at a loss Please help me Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I the consumer applied for a Navy Federal Refinance loan and was denied. According to the Equal Credit Opportunity Act, Adverse action against a consumer is against the law. This is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1691k. I have proof of discrimination by Navy Federal due to their response by the company. See attached. Navy Federal is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. My SSN was used and I again received no benefit. This is proof of Fraudulent activity on Navy Federal behalf. I also, have additional information of certified mail sent to them by me to resolve this matter given credit can not be denied. I will await response back to fix this issue and will follow up with violation fees and damages caused by being denied. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received two ( 2 ) letters from Chase Card Services regarding applications for two ( 2 ) Business Credit Cards for two ( 2 ) of my businesses. I DID NOT apply for these Credit Cards. Called Chase and they cancelled the applications and said I may have been a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In early XXXX I discovered that my identity had been stolen, and used to open several bank accounts at various institutions including Bank of America, I contacted them and informed them numerous times and told them of the fraud, they have said numerous times that they are closing these fraudulent accounts but they continue to keep them open, I contacted them again today and was once again told that they were going to close them only to receive an email indicating that unless I send them a very long list of confidential documents that would supposedly be used to verify my information, I dont feel that I should have to send my information to through the mail to. Verify an account that I did not even open..

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 2023-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX XXXX I redeemed {$10000.00} ( face value ) in U.S. EE savings bonds. After scanning the bonds, the teller informed me that I'd be receiving {$39000.00} in total for interest and principal. She also told me this money had to be deposited in my U.S. bank account for the transaction to be completed and I agreed. I thought the total was a little high but who was I to question the computer system and a trained teller. Well later that day, I received a call from the same teller informing me that a mistake had been made ( by the scanner ) and that she'd get back to me to let me know by how much. I didn't hear anything so on Thursday, XX/XX/ I went back to the branch in XXXX and spoke to the manager. He said he was aware of the problem and that my guesstimate of the overpayment was probably correct. Again, I asked for a phone call and written confirmation of what went wrong and how much I should have received for the bonds. The next day I found out when looking at my U.S. Bank App that {$18000.00} had been taken out of my account. Other than the initial phone call and the in-branch discussion, I never received a verbal or written explanation of what went wrong. To make matters worse, on XXXX XXXX XXXX, U.S. Bank withdrew an additional {$18000.00} from my account without notifying me! I didn't realize the money was missing until Thursday, XX/XX/ but called the XXXX branch as soon as I found out. Again I spoke with the XXXX and he said he'd look into it and call me back the same day. Well he didn't call me back but to his credit he managed to correct the error immediately. I called U.S. Bank customer service on XX/XX/ and filed a complaint. Soon after I received a survey for that call and I attached an email similar to the one you are reading now dated XXXX XXXX XXXX I followed up with another call to customer service on XX/XX/ and the gentleman said my complaint had been forwarded to the XXXX branch manager and he was in the process of mailing me a letter that day. Well it's XX/XX/ and I have yet to hear from anyone at U.S. 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 2023-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I had a loan car with Ally on XXXX  and I trade in the car for a new car and there were a money that they should refund me since the amount of the car were paid off. So I moved from XXXX XXXX Tx to XXXX Tx and I haven gotten my old mail until a month ago which was XX/XX/XXXX. I found two checks from Ally one of the checks was for the amount of {$840.00} Ch # XXXX and the other for # XXXX Ch # XXXX. Those checks has dated of XXXX, so I sent an El mail to them through the app let them know about the checks and if they could send a new checks with the date updated, and they said I should call because they need more information. I called and one of the representatives who took my call assured me that the checks will be send them during the 7 or 14 days, and he cancelled the old checks. Well the 14 days passed and the checks never arrived. So I call Ally again and other representative told me that I should call next day and the checks will be send them through the night, and I said how they will be sending the checks during the night mail if they couldnt send the checks in 14 days. So I asked him to transfer my call to his supervisor and XXXX con badge # XXXX took my call and she said that the checks can be send them because they are in investigation because they need to know where is the money of that checks, and the investigation will be lasting around 4 weeks to 6 weeks. I really was upset because that looks that they were just telling me lies just to dont call again. So I sent another email thro the app because they said those email goes directly to accounting department, and they just ignored my email. So today XX/XX/XXXX 4 weeks already from my first call I decided to call again to know the updates on the checks and see if they finally have sent the checks, now another representative told me that I have to wait another 4 or 6 weeks because they have to know where the money goes because the money doesnt appear in their accounts, that they can see that the checks have found and still have founds but they have to check where that money went internal to could send me the new checks. I have another car financing with this company and actually I dont know if they are a trusted financial company since they are just keeping that money. I dont know what is the problem with the checks if like I said that money is mine and I have all the right to have it, because the car was paid in full, and they dont have any right to take it. I really appreciate any help that you can give it to me, because like I said this people just are telling me different stories and at the end they will keep the money to them.

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 2023-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a complaint with Transunion. I called and spoke to a lady XX/XX/2023 @ XXXX XXXX XXXX. She would not help me get through to someone about my credit file with them. She stated I have mixed information on my file and is generating a ticket. I asked for her supervisor and she hung up on me. I do not feel a major credit company as transunion should be allowed to operate like this. My personal information was verified and they cant fix whatever is inaccurate or mixed up. That is insane and honestly a bit scary.

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 2023-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: OK

Complaint narrative:
We refinanced with Caliber Home Loans in XX/XX/XXXX and XXXX XXXX XXXX sent a check to Caliber Home Loans to credit to our escrow account. The check was issued from XXXX XXXX on XXXX  ( Check # XXXX ), in the amount of {$7500.00}, which cleared on XX/XX/XXXX, which I learned from reaching out to XXXX XXXX. Even though the check showed as being deposited, Caliber Home Loans never gave us credit for the {$7500.00}. They did pay our property taxes in XX/XX/XXXX, which left our escrow account with a negative balance. 

In XX/XX/XXXX, Caliber Home Loans sent us an escrow statement showing a shortage amount of {$7700.00} and that they were going to increase our monthly mortgage amount significantly. We believe that this increase in our mortgage payment was due to the negligence on the part of Caliber Home Loans to not credit our account with the amount due to our escrow account at closing/refinance. 

I have called Caliber Home Loans many times to discuss this issue and have had no success. My husband and I called on XX/XX/XXXX to first ask about this and did not receive any helpful answers. Then XX/XX/XXXX, I called and spoke to XXXX who said she was sending our issue to the escalation team and we would receive a response in 7-10 business days, which we never did receive. Then on XX/XX/XXXX I called and spoke to XXXX. XXXX said he was the manager of escalations and advised me to email our issue details to XXXX and to put in the subject line the loan # and attention XXXX. I did as he said, but never heard back from XXXX or Caliber so I called again on XX/XX/XXXX and left a message for XXXX to call me back. He never did. On XX/XX/XXXX I emailed the same email address to follow up and never received a response back. On XX/XX/XXXX I called again and spoke to XXXX. He said he knew XXXX and was messaging XXXX and emailing XXXX to call me back with the status. I never received a call or email back. Then, I emailed back to the same email address on XXXX with a follow up and again, never received any response. 

We have been paying our mortgage on time every month, even with the increase amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BUSEY BANK
State: IL

Complaint narrative:
Busey bank claims they closed my account but I had requested to close account after switching financial institutions. I come to find out 2 years later that they sent my account to collections for an unpaid balance and have been charging me fees. I have never been made aware of this prior to last Thursday. I have reached to fork with and see if any fees could be waived but they declined.

Company response to consumer: Closed with monetary relief