vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
Back on XX/XX/2010 I deposited {$100000.00} into account # XXXX with XXXX XXXX XXXX on XX/XX/2010 I took a passbook loan against that account in the amount of {$30000.00} ( which they deposited {$40000.00} ) into Savings Account # XXXX. I never received a passbook for these funds. They Bank kept it as collateral. I never received any information with respect to the {$60000.00} that was left in account # XXXX, I thought all the money was kept in the same account. Over the years, XXXX XXXX merged into XXXX XXXX XXXXXXXX XXXX and then merged into M & T Bank. Recently I went to the bank with a question regarding my balance as it did not seem right and was working with them to try and find the {$60000.00}. I was told by a teller at the bank that on the same date as XX/XX/2010 there was an account opened for {$600.00} which I think was the {$60000.00} but was a typo on their part and that account was closed ( not by me ) I am now being told that I have to prove to the Bank that I did not take the money out- which I did not and therefore would have no proof of. I was told that their bank records go back 7 years and they have no record of this.

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 2023-12-14 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: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Spoke to an individual by the name of XXXX, I believe his name was who was investigating unauthorized charges on my checking account, today XX/XX/XXXX from Wells Fargo Bank. Refused to give me his last name, told me it will be on the e-mail he sends me which he has not. 

I opened an investigation regarding unauthorized charges on my account from " Changed Gold Coins '' XXXX {$500.00} XX/XX/ {$500.00} XX/XX/ {$500.00} XX/XX/ {$500.00} XXXX {$500.00} XX/XX/ {$500.00} XX/XX/ {$400.00} XXXX {$200.00} XX/XX/ {$300.00} XXXX {$300.00} XX/XX/ {$300.00} XX/XX/ {$300.00XXXX XXXX {$500.00} XX/XX/ {$300.00} XX/XX/ {$300.00} Totaling {$5900.00} in unauthorized charges. 

After speaking to XXXX today, he told me there were more similar transactions on my account that I was unaware of and because they sent verification authorizations to my e-mail address ( which was hacked ) and phone which I switched providers on last week because of ongoing issues, that he is deeming these as valid transactions. He asked me if I tried to reach out to the merchant I told him no because there is no phone number and I have no idea who they are. I asked him what the merchant said when he contacted them regarding this claim he told me he didn't even bother to try and contact them. 

This is extremely unprofessional and a a blatant refusal to try and help me with this issue. This claim needs to be taken seriously and something needs to be done to help with it. I don't care if they are claiming someone provided authorization via e-mail and/or phone for these charges, it was not be and I expect my account to be handled accordingly.

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 2023-12-14 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This complaint is more of just an FYI since I don't expect anything to happen as a result, but I just wanted to voice my concerns in response to the XXXX article regarding Navy Federal. 
Here is the article : XXXX XXXX XXXXXXXX My primary concern is that in XX/XX/2021, my wife and I applied for a Navy Federal loan so that we could renovate our primary bedroom 's bathroom. We were seeking about $ XXXX, if my memory serves me. Mind you that we both at the time had credit scores well above XXXX or in the XXXX range, yet our loan was denied. 

As an XXXX American and retired XXXX veteran, we were insulted when we received the denial news from Navy Federal because we had never been denied a loan from any bank in the past and couldn't understand how it was possible ( given our credit scores ) we would have our loan denied. We did not contest it and just moved on because we only intended to use the Navy Federal loan as a bridge to pay for the bathroom renovation, while we waited to receive other funds from my retirement account to be processed. Our intent was to pay off the Navy Federal loan once my retirement funds were received, which we anticipated would occur within 2 months of our loan application. 

I don't expect any action from CFPB, but I wanted to go on the record after seeing the XXXX article today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
Im in the process of buying a home and I went to get a copy of my credit report and upon receipt of it I noticed discrepancies in my report in which I reached out to the credit bureaus Transunion, XXXX, XXXX. I am writing to dispute several negative items on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These inaccuracies have significantly impacted my credit score and financial standing. 

I have carefully reviewed my credit report from Transunion, XXXX, XXXX dated [ Date ], and I have identified the following discrepancies : XXXX. [ XXXX XXXX, XXXX Duplicate charges and insurance resolved debt back in XXXX  informed by creditor. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The aforementioned inaccuracies violate the provisions outlined in 15 U.S.C. 1681, specifically : - **Accuracy and Fairness ( 15 U.S.C. 1681e ) ** : The negative items inaccurately represent my credit history, leading to an unfair assessment of my creditworthiness. I request a thorough investigation into the accuracy of these items. 

- **Access to Information ( 15 U.S.C . 1681g ) ** : I am entitled to accurate information in my credit report. The discrepancies mentioned above have denied me this right, and I request that the inaccuracies be promptly corrected. 

- **Dispute Procedure ( 15 U.S.C. 1681i ) ** : I have reached out to transunion, XXXX, XXXX, but to no avail. The agency has failed to conduct a reasonable reinvestigation, as required by law. 

I kindly request a comprehensive review of this matter in accordance with the provisions of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this dispute, and I trust that your intervention will lead to the correction of these inaccuracies. Please keep me informed of the progress and outcome of the investigation. 

Thank you for your assistance in upholding the consumer rights outlined in 15 U.S.C. 1681. 

Sincerely, 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX XXXX XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX  under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX  under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
NFCU Account # XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights pursuant to Privacy Act of 1974 and 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
First, Fifth/third claimed I didnt have homeowners Ins on the property. Spent numerous hours on the phone with them and my insurance company to get them the proof they needed. Fifth/third refused to document this information even though my insurance company had written documentation of sending them the required documents numerous times. Fifth/third then opened an escrow account in my name charging {$400.00} plus for insurance I did NOT need. In order to protect my credit I was forced to pay the excess until they cleared the insurance issue. During this time I received harassing, non stop phone calls from them!!! Even on Sunday morning at XXXX XXXX!! 
Second, during this inept show of customer service I went into the local branch to pay my mortgage. I then started getting non stop calls claiming I didnt make the required payment??? 
I called and was demanded to pay the imposed late fee before I could speak to a customer service rep! I demanded to speak to someone and was finally connected. She was able to sort this out however now this month I began getting those harassing nonstop phone calls again asking for my XXXX payment. I pay it on the XXXX like I always have. They claim it has to be paid by the XXXX. Really? Ive always paid by the grace period and now its not okay?? My payment is NOT late and never has been!!! 
I have 40+ years of perfect credit. 
This company has harassed and violated the Fair Debt Credit Act along with causing undue stress to me. I would encourage ALL consumers to shop elsewhere for a mortgage. This company shows a total lack of respect for its customers!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. 
These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting 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 have not authorized the creation of these accounts and believe they are potentially fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I was just charged {$24.00} from Experian. I asked for a refund but they wont refund and I cant get them to cancel my subscription!!! I can not cancel from the website or by phone. I keep getting customer service and they repeat over again that I will have a free credit report. I have tried several ways to cancel with no luck!!! I hope you can help me. I have never paid for this service and did not give them permission to charge me.

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX while trying to pay a credit card bull at a Bank of America on XXXX XXXX in XXXX TX, the machine ate my money but refused to credit the account, They issued a temporary credit of {$300.00} but then rendered a decision a month later to reverse it, They sent a letter, stating that it was transferred to another department because it wasn't an ATM issue, which is completely false.

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received shipment of an XXXX that was redeemed with Chase XXXX XXXX on XXXX. Upon opening the box there were hairs on the box, the box was very dirty and dusty, and there was a tear on the packaging as if someone ripped off a sticker on the box. 

Not knowing if this box was tampered with or not, I immediately called Chase XXXX XXXX XXXX  and sent in the photos the same day on XX/XX/. 

I was told to send in the photos again on XXXX which I did ( not sure why ), and it's been 14 days and no one at Chase is giving me a return label so that I can return this product. 

I called Chase today to see the status on my shipping label, and they told me to call XXXX themselves ( what great customer service.. I need to call XXXX myself because they can not ). XXXX told me they don't provide shipping labels to customers and I was suggested to a local XXXX store to see if anything could be done. 

I took the phone to the XXXX store they notified me that this phone was not purchased from XXXX and that it was purchased through a 3rd party reseller.

It's been XXXX  calendar days since I first sent Chase the photos of phone packaging that I received from Chase. They told me a shipping label max would take 10 days. It's been 6 days after the noted threshold. 

If Chase can't support products redeemed with points, don't even offer this as an option as it's clear that Chase doesn't have the process in place to supports its products and customers. 

I am still waiting for my return shipping label.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. 
These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I'm XXXX XXXX. I am writing to demand my privacy rights be respected. XXXX, Experian XXXX XXXX are violation my privacy which the government has sworn to uphold. As a US-based business they should follow the law. Not only have they violated my right to privacy but they have also violated the FCRA. They are sharing my information without consent, written instruction or authorization. I have no contracts with these consumer reporting agencies and they have no excuse for sharing my information with their affiliates. This invasion of privacy and extortion. They threatening to continue disclosing my personal information until I pay. This is also a violation of the criminal coden18 us code 1343. They are using multiple sources to promote and propagate fraud, extortion and identity theft 18 us Code 1028. 

In addition to these blatant violations there are still more problems unresolved I expect all late payments to be removed. Transactions are to be excluded from the report. So much of the FRCA has been violated I have grown weary of finding violation. I will simply list then as follows : 1. 15 usc 1681a 2. 15 usc 1681b 3. 15 usc 1681c 4. 15 usc 1681i I am demanding the cease of improper reporting and knowing violations as per 15 usc 1681s. 
In order for equitable relief I demand the following items be removed without delay and rapid restore, or I will be forced to instruct the FTC and CFPB to do a thorough investigation. 

1. XXXX XXXXXXXX - Remove Late Payment 2. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Remove Account. 
3. XXXX Inquiries - Remove From Report 4. XXXX XXXX - Removed Account 5. XXXXXXXX XXXX - Remove Account 6. XXXX XXXX - Remove Account 7. XXXX - Remove Account 8. XXXX - Remove Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
This debt is not valid but Sunrise Credit Services continues to submit it on my credit 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 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
I'm requesting another 3 months forbearance. I have requested online on the phone and UWM says they will send decision in the mail I have yet to receive any response. 

I also messaged them on the online messages and they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I created an accelerated savings account with Citi Bank, the account was originally going to be funded by another account I had with XXXX XXXX XXXX, I made two transfers, one for XXXX and another for XXXX XXXX thought this was fraudulent activity and reversed the transfers, they said I could only transfer the money to by every day checking account with XXXX XXXX so I transferred all of it to XXXX XXXX and closed the account with XXXX XXXX XXXX. Then I moved the funds from XXXX XXXX to Citi. This morning XXXX  I tried accessing my citi account and could not. Then when I contacted them they said they could not help me or give me any information about my account there, that I would receive a letter in the mail. They are holding about XXXX of my money and not giving me access to it. This is extremely frustrating as this is all of my savings

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