vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a XXXX Form 1099-INT from The XXXX XXXX  XXXX informing me of interest income. On XX/XX/XXXX, I contacted the bank and spoke to a representative call XXXX. XXXX informed me that the account number listed on the form is associated with Chime XXXX Debit Card, and provided me with their number ( XXXX ). I contacted Chime and spoke to a representative named XXXX. XXXX was unable to verify my information for account access because the Subject is using a different email address and phone number, but used all of my information, including my social security number to open the account. I asked to be transferred to their fraud department, but was told they didnt have one. I asked to speak with his supervisor, but was placed on hold and no one ever picked up. I tried calling back and a recording informed me to contact the company at XXXX. I emailed the company and is currently waiting on a response. I requested the account be closed, the matter investigated and reported to the appropriate authorities. 

Thank you for your time and consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo bank created a checking account without my authorization. I do not conduct business with Wells Fargo since XXXX when I paid off a student loan. The online banking account was terminated as a result of having zero business with the financial institution.

I was alerted of an account being created by email on XXXX XX/XX/XXXX at XXXX XXXX  EST detailing that a debit card would be arriving within 5-7 days. 

I called Wells Fargo and they opened a case. They confirmed that a checking account was created but have yet to inform me of what will happen next.

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 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I opened a XXXX  Checking Account with HSBC Bank they have several safety screens to log on. At the time I opened the account it was not apparent that their physical branches do not support their online customers. After trying several times to get in touch with the bank online I did not know I had the wrong number to reach them. It was only after going again to HSBC that someone wrote a number by hand and said this is the only way you will get through. I was finally able to get through after a long wait. During this time the bank was deducting a $ 50 monthly fee the deducted {$500.00} I asked them to review as I had no access to the account and they acknowledged that reversed only {$250.00}. I placed a complaint on their site it says they will take 10 days to review XXXX has been reviewing for over a month XXXX was filed. I at that time requested my account closed and my money returned they were supposed to send me a check instead they kept my funds now charged another {$50.00} fee for XXXX this is closing in on XXXX and I fear another charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CT

Complaint narrative:
Discover supposedly sent funds in account ending in XXXX, the amount of {$140.00} to XXXX XXXX on or around XX/XX/XXXX, I believe in error, as well as the amount of {$690.00} also sent to XXXX XXXX around same date. It is now XX/XX/XXXX, XXXX XXXX has not issued a check for either amount or any amount for that matter to date. It appears XXXX XXXX is unable to locate either payment amount in their system, payments appear lost at this point. I've spoken with numerous reps in XXXX XXXX Executive Office as of today, XX/XX/XXXX, unable to locate any payments detailed above. The amount of {$690.00} represents a fraud claim in which case, funds go to issuing bank, XXXX XXXX. The amount of {$140.00} represents partial remaining funds in Discover account which should have been sent to myself, not XXXX XXXX... Discover may deny this is an error, will not admit fault, however, funds are not part of fraud claim amount and should not go to XXXX XXXX Additionally, as stated before, XXXX XXXX has not sent a check for either amount or any amount to date..Discover needs to reimburse for lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: IN

Complaint narrative:
On XX/XX/2022, I was informed that three collections had been added to my credit report. Upon searching for a number and after speaking with several reps that looked up my name, number, and social security number to no prevail ; I finally was able to speak with someone who found the collections, even though I was not in their system. She stated that there was 5 collections in total, even though only three are being reported and she couldnt tell me why the other 2 were not being reported. She also stated that she couldnt give me any information on these collections, but I could go to care.uscbamerica.com to request an itemized list immediately. I went to the website, and once again it was a dead end with no records and an error message and it did state that it takes up to 4 weeks to receive a list ; which was not what was told to me. I asked if I were to pay the amount, if it would be removed from my report. She stated yes, that it would be completely removed from collections. Her team lead stated otherwise when I had called back to make a payment. This company didnt have my address, phone number, or SSN nor have I received any type of bill or notice of the original debt and the collection debt. I feel this may be a fraudulent attempt to collect money, or possibly a fraudulent company as an entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one stole my money! Without any notification capital one accessed my account and withdrew funds from a ppp loan now I have no idea whatsoever where that money has gone because they did not properly notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OH

Complaint narrative:
1 outbound transaction from our account was paid twice, at exactly the same time, to the minute. On XX/XX/22 at XXXX our bank account paid our mortgage {$2200.00}, but did so twice. It was a duplicate transaction. Upon calling and discussing with a USBank rep, they acknowledged that that should not have happened, and yet, periodically does so. The exact matching time of both transactions was a giveaway of a bank error. Had the amount of the transaction been less, she alerted us that she could've fixed it with us while on the phone. Instead, we were guided to the appropriate form to file for a duplicate transaction and subsequently filed it. 

As of this morning, we have received a response letter from an investigative outfit within US Bank. It alerts us that they are unable to remedy the situation since we " authorized the transaction. '' Note that it does not acknowledge plural " transactions '' in that comment nor does it do so through out the rest of the letter. In fact, where the pertinent transactions are listed, only one is itemized. 

Ultimately, having paid our mortgage a month early is not that critical of an issue. But the seeming poor faith and/or banking incompetence here by this FDIC banking outfit is alarming. How many times do they duplicate a transaction and not remedy? What if this have been 10 of the same transaction and the bank simply claimed that they were unable to remedy. If/when they are alerted to a duplication, how often do they fail to actually investigate the array of transactions and instead focus only on 1. The Bank 's response seems woefully problematic, if not entirely inept.

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 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
To whom it may concern, I currently have a mortgage held by Bank of America with a payment plan under the modification program with an interest rate of 4.5 %. Through the entire pandemic I did not miss one single payment or was late with one payment. Last year I received a letter from Bank of America stating that my escrow account didnt have enough funds in it and that Bank of America was going to start taking out a little extra each month to repay the escrow which is short. When I called Bank of America and inquired about this and I informed them that I did not miss one single payment my question was how can my escrow account be short? I was told several different responses as to my taxes had gone up my insurance had gone up or I had missed a payment. I do not see my taxes went up enough to make my escrow short by almost {$5000.00}. When I asked them about the payment plan that they have in place to replenish the escrow my question was am I paying interest on this money thats being repaid? I was not given a definite answer and I also request to speak to somebody who would know exactly what was going on. I do not understand how they can go ahead and not make the proper payments that were necessary as far as principal, interest, escrow. Ive already had a difficult time with Bank of America back in 2010 when they put me into a modification program that I never authorized and started taking out extra money per month to cover the escrow which was not in my budget. 
So my complaint to you is Bank of America charging me interest on this extra time that theyre giving me to replenish my escrow? If so then why should I go ahead and pay interest on top of interest then Ive already paid. Its bad enough that they wouldnt help me refinance my house a couple months ago due to the fact that my income was down because of the previous year with a pandemic. As I stated I did not miss any payments during that time, my credit rating is XXXX, and I have enough money in the bank and in mutual funds that can be accessible if needed. I do not trust Bank of America. Too big to fail to big the jail my XXXX. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ct 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 explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other 3 auto finance companies i was not aware of or gave consent for was for Global Lending Service, XXXX XXXX XXXX, and XXXX XXXX XXXX. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TX

Complaint narrative:
I've made several attempts to fix this issue I started XXXX XXXX and attempted again XXXX XXXX I also requested for them to send me verification of their investigation and a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
HSBC CALLED ME 6 TIMES ON XX/XX/2022. I AM BEHIND ON MY PATMENTS. THEY CALL AND HANG UP. I HAVE TOLD THEM TO NOT CALL ME BEFORE XXXX AND AFTER XXXX. THEY REFUSED TO LISTEN. THEY HAVE PUT EXTENSIVE AMOUNT OF FEES, INTEREST AND LATE CHATGES ON MY ACCOUNT. I HAVE TWO CARDS. ALL OF THE FEES AND EVERYTHING COME TO {$400.00}. THE BIG THING IS THEY KEEP CALLING ME 8 TIMES A DAY. I HAVE NOT GOTTEN A BILL SINCE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am a victim of the XXXX security breach, and I also have collection on my XXXX report that has not been removed after I disputed it with XXXX and XXXX and they removed it from my reports. The collection is from Portfolio Recovery in the amount of {$680.00}. I do not recognize this collection and it is negatively impacting my credit score with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: CarMax, Inc.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Carmax auto Finance # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

If you wont delete the XXXX late payments I want the trade line to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am currently going through the process for a Mortgage and my bank advised me there is an account reporting via the CRAs as in collection in the amount of {$7400.00} as of today. It is a JP Morgan Chase Credit Card Account. 

The Derogatory Trade line shows a 12 digit XXXX account number ( that's it ... .seems like it may be missing some numbers for a credit card. ) THE ACCOUNT NUMBER IS NOTED IN THE ATTACHMENT FROM THE CRA... 

I've called and tried to address this via the help number attached to the trade line, but I can not get through the system because it does not recognize my SSN as being attached to the account. I can't get through to a human on this line. 

I went through a successful bankruptcy and all my debts were erased in 2017. This should not be on my credit report as " in collections. '' Chase should have this bankruptcy on record for my other accounts. 

I need a letter from chase to me or my bank indicating the debt is not mine. Otherwise my mortgage will not be approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was a visitor at XXXX XXXX XXXXs. They harassed and stalked me for days. They gave me a lot of alcohol and documents to sign. I woke up with a time share and mortgage I did not want. I asked them to remove it because I only wanted a free vacation. They used bribery and aggression in order to follow me and get me to sign while XXXX. Please remove this account from my profile. XXXX and XXXX do not report the account. It only shows via Experian. Please remove 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 explanation
Consumer complaint received 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 Converge to account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A section 2 : also states A consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 Converge to account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A section XXXX : also states A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Time Investment Corporation
State: NC

Complaint narrative:
I initially fell behind on my account due to Covid19 and asked for a deferral several times and have not received one. I have received multiple voicemails pertaining to this account which my friends and family have heard. Proprietary information should not be disclosed on my phones voicemail. Last voicemail I received was from branch manager XXXX you should know better considering where you work, this account will be charged off by the end of the month if we do not receive payment. AND DO NOT CALL BACK HEAR ASKING FOR IT TO BE REPEALED. This voicemail was intimidating and XXXX. When I called and spoke to XXXX he specifically said YOU OWE ME MONEY. I replied I owe time financing, not you I asked for another deferral and he replied why would I give you one and you havent paid me in how many months? I replied, thats why you would give me one I advised XXXX to never talk to me like that again, I am not his child. I spoke with his supervisor XXXX and even provided him the voicemail nothing has happened. I have yet to receive any deferral and I have not been advised why I can not receive one. I am being XXXX  against based on the XXXXXXXX XXXX XXXX XXXX I sincerely believe minorities are being mistreated and it has a disparate impact on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other 3 auto finance companies i was not aware of or gave consent for was for XXXX XXXX XXXX, American Credit Acceptance, and XXXX XXXX XXXX. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other XXXX auto finance companies i was not aware of or gave consent for was for XXXX XXXX XXXX, XXXX XXXX XXXX, and Santander Consumer USA. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.

Company response to consumer: Closed with explanation