vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I applied on line for XXXX with Bank of America. Bank of America checked my credit and impact negatively on my score Without my permission or any notification on the misleading site of Bank of America. 
The XXXX employee XXXX not sure about her exact name.Called me with tone of XXXX disrespectful and showing off power pretending she can't say my name and telling me " I'm denying your application " When I complained, I got responses from XXXX XXXX on XX/XX/2023 and she denied anything wrong from their Bank of America checking credit without my permission and she referred me to another employee XXXX XXXX can work the loan application. 
I found XXXX not sure her exact name calling me back despite my complaint against her and she.threstened me in the phone that if I would record her.conversation it would be a XXXX. This proved to me that they are no control and this XXXX is discriminating me using her power without any boundaries. 
When I went back to XXXX she absorbed my anger but they.tried to waste my time and misleading me by asking about too many documents just to appear that they are not retaliating against me for the sake of their coworkers XXXX. 
While this misleading deceitful process I started apply for same HELOC with XXXX XXXX  and I got approved for $ XXXX. 
I did not get any written explanation of denial from the most XXXX people in Bank of America. Of course they can claim anything but I'm sure they were discriminating me and denied my loan

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, I received a vague letter from Wells Fargo saying that a review of their records indicated that I as enrolled in the Identity Theft Protect -Affinion product from XX/XX/XXXX. XXXX  to XX/XX/XXXX, asking to me call so they could " care for '' any impact caused by the enrollment. I called and the women said, " How may I help you? '' I said, " I don't know. You sent me a letter. '' She THEN revealed that if I was enrolled but did not want the product, they would send me a reimbursement of {$1100.00}. I said to reimbursement me, and she said that I would receive a check in 20 days. 21 days later I had not received a check and called back. I was told it could take 20 to 30 days this time and to call back after 30 days. I called back on XX/XX/XXXX, and was kept on hold for over 20 minutes, switched to another person and cut off. I called back and the new person told me the check had not been sent yet and they were experiencing " delays. '' She could not say why it had not been issued nor when it would be. I was told to call back in 7 days. I called back today, XX/XX/XXXXXXXX  and was again told the check had not been processed without explanation of why or when it may be. I was " ESCALATED '' up two times due to being very vocal about my feelings regarding how financial institutions should not be allowed to continue to take advantage of people, rob them and destroy our economy without consequences. White collar crime is crime that hurts innocent hardworking people. When people owe them money they ruin their credit, foreclose on their homes and repossess their items. When they owe THE PEOPLE money, they do everything possible to dodge any responsibility and get away with it. The THIRD employee I was escalated up to told me that I was given incorrect information regarding the time frame. He said that it takes 3-4 weeks up to 45 DAYS to receive payment and that I should receive it any day. I asked him if the check had been cut and put in the mail. He said, " they could not see that information. '' The previous employees seemed to have that information and yet this one did not? XX/XX/XXXX, will be the 45th day. I do not have high hopes that I will be receiving my check from this crooked financial institution and will be calling back on XX/XX/XXXX, so they can continue to play their devious games instead of doing what they were ORDERED IN COURT to do. I told several of the employees I was issuing this complaint and agreeing to have it published on the consumerfince.gov website. I hope others see it and do not let Wells Fargo continue to get away with this crooked behavior.

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 2024-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to formally dispute a charge on my credit card related to XXXX XXXX : XXXX XXXX, specifically the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX the amount of {$360.00}. I appreciate your attention to this matter and kindly request your assistance in resolving the dispute. 
On XX/XX/2023, the XXXX XXXX XXXX XXXX XXXX XXXX which was scheduled for delivery on XX/XX/XXXX, was supposedly left at my mailbox without the required signature confirmation / One time password. According to the USPS tracking information : XXXX, the item was marked as delivered a day before the expected delivery date. The failure to obtain a signature or one time password, as initially specified for delivery, raises concerns about the security and integrity of the delivery process. 
Subsequently, on XX/XX/2023, I contacted XXXX customer service to report the missing package. To my surprise, I was informed that a refund would only be processed if I filed a police report. However, I firmly believe that the responsibility for the missing package lies with XXXX and their chosen delivery service, as the package was left without the required signature and no one time password was requested or provided to carrier. 
In light of this situation, I promptly contacted Synchrony Bank on XX/XX/XXXX for guidance. The customer service representative I spoke with reassured me that it is not my responsibility to file a police report and, in fact, advise me to dispute the charge. Consequently, based on this guidance, I am formally disputing the charge of {$360.00} for the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
I have attached relevant documentation, including order confirmation, XXXX requiring signature / one time password for the order and USPS tracking information, indicating the premature delivery and lack of signature confirmation. I kindly request that you investigate this matter and assist in the resolution of the dispute. I believe it is unjust for me to bear the responsibility of filing a police report for a package that was not delivered according to the agreed-upon terms. 
If further information is required to expedite this process, please do not hesitate to contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this dispute.

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 2024-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
The complaint is for XXXX XXXX XXXX by Goldman Sachs. 

I initiated a withdrawal in the amount of XXXX dollar on XX/XX/XXXX. However, the withdrawal was reversed without a reason or a notification, even after confirming with multiple agents on the phone verifying my account information and ensuring the account I was transferring to indeed belongs to me. 

This incidence made me uneasy with XXXX. Thus, I initiated an account closure over the phone on XX/XX/XXXX and requested that the full amount of over XXXX dollar to be transferred to my XXXX XXXX XXXX Account. The agent stated that the XXXX of the full amount and subsequent account closure will be processed within XXXX business days. On XX/XX/XXXX, which is the fourth business day, there was still no update. So I called XXXX and the agent assured me that it should be processed by the end of the day and I should receive a confirmation email once the request is fully processed. But there was no confirmation email by the end of the day. Given that it was XXXX XXXX holiday, I waited until XX/XX/XXXX. I contacted XXXX again regarding the status of the XXXX and account closure, but I was informed that the transfer and account closure was cancelled by my request, which is not true. 

The agent also instructed me to initiate an account closure on their webpage. So I initiated the account closure online as instructed on XX/XX/XXXX. There was no confirmation via email, so I called XXXX to ensure that the account closure is indeed submitted. The agent over the phone confirmed that the account is closed and stated that I should receive the withdrawal in XXXX business days. 

The back and forth with XXXX on this issue is extremely exhausting and more importantly, with the delay, I am now likely unable to pay for my bills on time and I have to take other means to resolve the financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality.

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 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On the XXXX of XX/XX/XXXX while traveling for XXXX I stooped and got fuel @ XXXX and went to check into XXXX  at XXXX and card was declined. After calling the bank on the XXXX I was not able to get USAA to tell me anything about why my card was being declined. XX/XX/XXXX I received notification that USAA was exercising its right to discontinue business. Could not tell me more about or why. XXXX miles from home with every XXXX  to my name was in the bank me and wife and XXXX kids had to sleep in vehicle because USAA wouldn't allow access to any funds. XX/XX/XXXX, XXXX spent hours on the phone with usaa trying to a reason or explanation of what cause and why this happened. No answer. On XXXX XXXX I contacted usaa again, spent hours on the phone being transferred in circles trying to get answers I was told account was going to be placed in credit only status and I was told I would not have access to my funds for XXXX from XXXX XXXX. XXXX XX/XX/XXXX and I am being told I can not access my funds and I can not close my account that all my money would be returned in XXXX. XXXX  years as a customer with USAA. I have all my insurance and everything with them and now they have taken away all my account access and account history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX shut my account down, and thousands of other customers down. Their customer service has been unreachable ever since. I've sent over 20 emails, and have called their phone number over 10 times and all that I get is an automated response to email them. When " XXXX XXXX '' calls you, they immediately hang up. It's being powered by robots and there are no human customer service representatives. My XXXX, and Equifax credit reports are now damaged, when this should not be the case at all. 

My bank even refunded me the funds they took out of my account, because even they deemed that this was completely unethical and they were not able to get in contact with the company. I've also filed a dispute with helpwithmybank.gov. 

The account still shows as " open '' when it's closed. They also have inaccurately have reported me as late.I 've been begging and pleading with them to get in contact with a human representative but that isn't possible. I'm not quite sure if this will require legal action for this issue to get resolved, but I want this company removed off of all of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting 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:
XX/XX/XXXX XXXX XXXX shut my account down, and thousands of other customers down. Their customer service has been unreachable ever since. I've sent over 20 emails, and have called their phone number over 10 times and all that I get is an automated response to email them. When " XXXX XXXX '' calls you, they immediately hang up. It's being powered by robots and there are no human customer service representatives. My XXXX, and XXXX credit reports are now damaged, when this should not be the case at all. 

My bank even refunded me the funds they took out of my account, because even they deemed that this was completely unethical and they were not able to get in contact with the company. I've also filed a dispute with XXXX 

The account still shows as " open '' when it's closed. They also have inaccurately have reported me as late.I 've been begging and pleading with them to get in contact with a human representative but that isn't possible. I'm not quite sure if this will require legal action for this issue to get resolved, but I want this company removed off of all of my credit reports.

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 2024-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I received a bill from XXXX in XX/XX/2023. It indicated that my account was delinquent. This was the first and only bill that I ever received from XXXX. I immediately called XXXX and reported it as fraudulent. XXXX launched a fraud investigation into the account. I called back after the 10-business day waiting period for the investigation to be completed. XXXX informed me that they had determined that the account was indeed fraudulent and as such, they would remove the account. They assured me that the account was no longer associated with me and that there was no further action needed. I called back 5 business days later to verify that the account was no longer associated with me. XXXX stated that they would no longer discuss the account with me as it was not my account, based on the fraud investigation, for privacy reasons. In addition, I reported this instance with the FTC as identity theft. This, however, turned out not to be the case as the account was sent to collections. I have disputed the collections with all three credit bureaus. XXXX has closed my dispute after their investigation indicating the information is correct. I am seeking relief from this hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXXXXXX  I sent a check to cover my escrow shortage for the year XXXX. At the beginning, NewRez did nothing to properly apply the payment to the escrow account although they had cashed the check. I contacted the company many times via emails and correspondence, but they never applied the payment. Then they sent me a monthly statement that showed a zero balance for XX/XX/XXXX. I noticed that, instead of applying the payment to the escrow shortage, they applied it to the regular monthly payment of XX/XX/XXXX. I contacted them again, but they never reply or correct the situation. I made a call to see if I could resolve this that way, but the person answering the call did not have a notion of what was happening. She told me I had to contact the accounting office but could not provide me with an address or phone number for that office. The case remains unresolved. I made a payment for the month of XX/XX/XXXXXXXX  anyway since the payment for escrow should be moved to the escrow account. 
I am sending to you a portion of all the information I have developed through my efforts and will provide a full packet if provided with a physical address for CFPB. 
I sincerely hope you can help this XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Called to have account re-instated from XXXX XXXX. account was set up improperly. XXXX  XXXX used deceptive business practices to get me to join ach auto pay stating if I did a deposit of {$480.00} would not be billed to my account. I called back at a later time and found out the account was set up improperly and that account was supposed to be closed and ACH I was told was removed and another account was set up on the same location and all this was corrected ( as I was told ). Couple weeks later I discovered the money stolen from my account by XXXX XXXX in amount of {$480.00} and there were 2 accounts set up for the same apartment. 2 account numbers : XXXX XXXX I need refund plus I contacted Chase Bank to dispute the charge which was still pending. Chase Bank informed me in order to stop the charge from going through, I would have to pay a fee. Essentially this charge is theft and I should not have to pay a fee to a bank so they can stop a theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 



XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( Experian, XXXX XXXX XXXX XXXX. Consistency in reporting is essential for accurate credit information. 

XXXX. **Date Reported : ** The date reported varies across the bureaus, with one bureau reporting a significantly later date than the others. This inconsistency might require clarification or correction. 

XXXX. XXXXAccount Status : ** While all three accounts are reported as closed, there's a discrepancy in the payment status. One account is reported as " Current, '' one as " Late 90 Days, '' and the other as " Closed or paid accountXXXX balance. '' Clarification on the accurate payment status is needed. 

XXXX. **Creditor Remarks : ** The remarks provided by the creditors differ across the bureaus. These remarks should accurately reflect the account 's status and might need alignment for consistency. 

XXXX. **Credit Limit : ** There's a discrepancy in reporting the credit limit, with one bureau reporting a {$0.00} credit limit. Ensuring consistency in reporting this information across all bureaus is important. 

XXXX. **Payment History : ** Different late statuses ( 30, 60, 90 days ) are reported across the bureaus for specific months. Consistency in reporting these late statuses is crucial for accurate credit reporting. 

XXXX. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies.

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 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Since the summer, Ive been trying to pay my utilities bills using my. The transactions appear until midnight day off and then get your raced from Bank of Americas computer. The utility companies keep saying that the transaction is denied for lack of funds. However, theres always ample funds in my account. so even if I was double charged, there would be enough to pay several calls with Bank of America they all do the exact same thing and none of them attempt to find a mutual solution to my problem. Ive paid at least {$500.00} for both my gas and electric bill due to this issue.

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