vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: HANCOCK WHITNEY BANK
State: MS

Complaint narrative:
On XX/XX/XXXX, we were advised that the two party repair check issued by XXXX XXXX XXXX to XXXX XXXX and XXXX XXXX XXXX XXXX was cashed on XX/XX/XXXX by Hancock Whitney Bank in XXXX, XXXX XXXX without XXXX XXXX XXXX XXXX signature or authority. We filed a forgery claim through the insurance company and it was submitted to the bank on XX/XX/XXXX. We reached out to Go XXXX XXXX. since then and have not received an update from the bank in regards to resolving the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In a letter to me dated XX/XX/XXXX, Truist alerted me to information " about your account ending XXXX ''. I have no such account. All my accounts with Truist were closed in early XXXX, after Truist had allowed strangers to open joint accounts with me ( in one case a convicted drug dealer ) my wife and I closed all our Truist accounts -- those we had opened and those Truist opened without our consent. This process took months and numerous visits to Truist branches to resolve. It included Truist refunding thousands of dollars plundered without our consent or knowledge from our checking and savings accounts and closing all unauthorized accounts in my name. Truist delayed at every turn and treated us shabbily. 

The XX/XX/XXXX letter had an additional shock. It was also addressed to me and an apparent joint holder of " account XXXX '' : XXXX XXXX XXXX. XXXX, like those persons Truist allowed without verification or consulting me to open joint accounts in my name in early XXXX, is a stranger. It is alarming that long after I parted ways with Truist, Truist is evidently again in the business of setting up accounts in my name with my permission. 

This is illegal and forbidden by state and federal law. It constitutes harassment and an assault on my financial and personal privacy. It must now be definitively and conclusively addressed.

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 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
On XX/XX/XXXX, a summons was left at my door saying I am being sued by XXXX XXXX XXXX, XXXX, represented by Mandarich Law Group for debt they claim I owe them in the amount of {$5300.00}. I electronically answered the summons denying any knowledge of this debt to them on XX/XX/XXXX, sending a copy of the answer to Mandarich Law Group and the court. I then received a false response by Mandarich Law Group dated XX/XX/XXXX stating that I did not respond to the summons on time and that they were requesting a default judgement be made against me which I believe was a tactic used to scare me. After waiting another couple of months, Mandarich Law Group sent a request for admissions on XX/XX/XXXX. This debt that I allegedly owe is time barred as the applicable statute of limitations in California has expired on XX/XX/XXXX according to documents they sent me. They now on XX/XX/XXXX requested a hearing for XX/XX/XXXX. This violates Rule 1006.26 Collection of time-barred debts by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
For the last XXXX  months chime has blocked my access to my account with XXXX XXXX dollars. Ive talked to customer service many times Ive emailed support many times as well as sending all required documents as asked they still havent giving me access to my funds nor unsuspended nor allowed me to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I had an apple credit card opened that had a big interest rate and I paid off the debt and canceled it as I thought it was too much. I then found out about the SCRA after I canceled it and was wanting to get reimbursed for all of the interest I have paid on this card during my time in the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I received a notification that a credit card was opened under my name that I did not open the only information I have was from a text message that said an account from Bread cash back was opened in my name. I did not open the link associated with the message. 
I did report to XXXX and started a fraud dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/2022 an ACH in the amount of {$48000.00} was sent from my account in XXXXXXXX XXXX XXXX to an individul account with PNC Bank. This ACH was sent in error, and recalled within 24 hours and on XX/XX/XXXX. I was advised by XXXX that the ACH was not reversed in-time, and the funds were not available to be recalled. Myaccount was deducted {$48000.00}.

I filed a police report. The police invetigation revealed through subpoena to PNC bank that in fact the ACH was reversed and no funds were disbursed to PNC customer. However, I never received the funds back into my account. When I ask XXXX XXXX they are telling me that PNC is not responding. When I ask PNC, they tell me that they can't tell me anything as I am not their customer. I have been out of {$48000.00} for almost a year, and neither bank is doing anything about it. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
I sent a letter to a company called XACTUS which is located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I have received a letter back stating that XXXX other parties issued the inquiry but those parties are not listed on my credit report in which XACTUS got the inquiry. ( the letter is attached to the document. ) I also explain to show validation of authorization with their response and didn't do so which in this case they should delete this inquiry which wasn't authorized by myself. ( the letter is attached to the document. ). 
XACTUS actually admits to getting this so call inquiry from third parties which are XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and not an inquiry they obtain or authorized. 
I really hope you help me with this matter which has been undermined by XACTUS by using excuses to justify their cause. hope to hear from you soon, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT 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 2022-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX, Case No XXXX I was left a voicemail by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that lasted XXXX seconds. She mentioned there was a resolution offer. 

I have attempted to contact XXXX XXXX, the XXXX Specialist numerous times. Each time that I have called the number provided ( XXXX ) via XXXX XXXX XXXX, both on the mailed documented response and voicemail, after I enter the XXXX extension ( XXXX ), the response is 'if you do not know the XXXX extension, please refer back to the original correspondence. ' There are no further options to speak to anyone or the person 's name or number I was provided. 

If I can not speak to anyone, how will I be able to inquire? Why was this person 's name, number and extension even provided?

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 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK
State: TX

Complaint narrative:
Received an alert that card was being used in XX/XX/2022, called Discover to report it wasn't me. The suspended the card immediately and stated that they'd send a new one, after XXXX weeks later called to report that I didn't receive it and was told it was due to a paymennt being due that they could not send a card, made a payment and was told it would be sent out, couple weeks later called again to state, card had not been received to be that they could not send me a card unless, I called from the number from an extensive fraud alert, that was placed on my XXXX account XXXX called XXXX, not sure how the fraud alert got there, sent them proof of address, copy of ID and a cover letter, called XXXX to verify receipt, the removed extended fraud alert, called Discover back and was told it wasn't removed, waited a week called back and refused to let customer service rep off the phone, after he told me the same, called XXXX on XXXX phone, verfied the information on speaker while rep on mobile phone on speaker. He calmed his attitude and stated he'd heard and will do a soft transfer so that he can explain to a manger that he heard my conversation with XXXX and that he applauds me on how calm I am after reading the notes on how many times, I've called. Once transfered, I got a XXXX on the phone, who stated to me that he told her that I needed a replacement card and they weren't able to send it cause, I had a fraud alert. She was just as unconcerned as all the other managers that I'd spoken to over the last 2 months. I have spent numerous hours on the phone, being transfered to unhelpful managers, having to explain my issue and many departments and inconsistency in the reasons for this issue, never a solution all though, I've done what was expected of me and 3 months later, no results insight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX present I have a payee also on the account The bank ( Wells Fargo ) will NOT give me access of ANY kind to my account Have contacted the institution w NO success Payee is not cooperative either I have absolutely no idea the status of my funds Thank you

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 2022-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XX/XX/XXXX I applied for the COVID19 Mortgage Relief on my property at XXXX XXXX XXXX XXXX XXXX, LA XXXX. XX/XX/XXXX was my first attempt to consolidate the missed payments and get back to my regular mortgage. XX/XX/XXXX I was told the paperwork was submitted to late ( based on the notary timeline I received from the company ). I was informed I needed to pay my payments for 6 months and apply again. I did so and in XX/XX/XXXX I submitted the paperwork again. This time we ( myself and my wife signature are required ) used a local notary. The signatures did not meet the underwriters standard so they did not approve. The documents were resent to me however at this time I was mobilized to XXXX XXXX, Texas. XX/XX/XXXX the company assured me they could send the documents to both myself and my wife in different locations. I have signed the documents in XXXX XXXX multiple times however I was told the underwriters did not send me the right paperwork and they have yet to arrange for the notary to come to my wife in Louisiana. We do not want to risk a local notary unexperienced with their needs because of the last time. I have asked multiple times for a supervisor or an underwriter to contact me. None have done so. I have fallen further behind in my payments because once the notary 's have a set amount on the paperwork they don't want you paying any payments for roughly two months. This has happened to me three times equaling five months of payments Multiple level 1 customer service agents call daily promising to assist with the problem but none have helped. As of XXXX XXXX an customer service agent reached out to tell me I had to start the process all over again to include submitting paperwork that was never required. The agent then advised me to take my wife 's name off the title of my home to make the process easier. I felt that was not his place nor his area of expertise to advise me in such a way. The individual did not read the notes on my account to understand my specific situation and continued to explain to me why this was my fault for basically being a XXXX XXXX. When asked if a XXXX could call me back I was told " good luck ''. I am still waiting for a XXXX to return my call.

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has removed 43 inquiries and collection accounts from my credit report. Yet my score appears to have remained the same lower score as previously reported prior to the 43 changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I purchased a XXXX XXXX  from a Used XXXX dealership. Had the car for 4 plus years it had several recalls doing me and XXXX time with vehicle. When I was fed up with repairs We tried to trade it in. We couldn't because the car XXXX stated that from title that the car was totaled, the frame. I called Capital One and explained, that I was returning the vehicle back. After returning the vehicle Capital One then Sold at XXXX. Then said I own still XXXX on the Vehicle. Which was way over XXXX XXXX  when purched plus XXXX intrust for over 4 years. Hired XXXX XXXX to dispute it and payed them a whole year and nothing happened. And it's still there hurting my score. Call XXXX XXXX they wanted more money. Called Capital One they said make a deal for less or take us to XXXX. Please help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX : I placed an order for {$990.00} on the website to pick up in store, using a coupon. ( these discounted prices do not show up on the available receipt for some reason ) XXXX : I went to pick up the order in the store and only 2 of the 7 items were available for pick up ( {$200.00} adjusted order total on receipt ). 
XXXX : Credit card statement cut showing that I owe {$340.00} for the transaction. It seems like Home Depot shorted me about {$140.00}. 
XX/XX/2022 : I filed an investigation with the credit card company, but they told me that after investigation, they do not owe me anything.

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 2022-11-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I called capitol one on XX/XX/XXXX to inquire about possibly getting late fees reversed on my personal credit card account. I had explained that I had lost my job and was behind on some bills. I spoke with XXXX employee Id number XXXX. XXXX checked and found that he was unable to remove any of the fees. I asked him if I made a payment that day for the past due amount if I could have the 30 day late payment removed from my credit report. XXXX agreed and when i requested in writing that he could do this he told me that he had to wait until my payment posted. He explained that I would need to call back in a day or two after the payment posted to have the late payment removed from my credit report. I paid the past due amount of {$120.00} on my journey card ending in XXXX. Later that day I called again and spoke with a different agent who informed me that they were not allowed to remove anything from credit reports and that he was very sorry that I was told this. This is unacceptable and I am not sure what to do about this but I do know the conversations are recorded. Thank you for your help with this matter.

Company response to consumer: Closed with monetary relief