vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023, I reported my capital one quicksilver card as lost and requested a new card to be issued. 

Capital one responded to the request immediately and stated they would issue a new card. 

Accordingly, in the capital one application, I use to manage the cards, I saw the new card. As I receive a small cash back for using the card, I linked the new card to my XXXX pay account in order to continue using it as I have in the past. 

When I tried to use the card it did not work. Instead, I had to use my platinum capital one credit card to make the same exact purchase. I called capital one to figure out the issue and they alleged fraudulent activity. They asked me for the front and back of a picture id in order to verify my identification. 

I informed them that I would not send them anything of the sort, as they did not have any of that information on file at the time I applied for my platinum capital one account or my XXXX capital one account. After speaking to a customer service representative and supervisor, they both refused to verify my account via my birthdate, social security number, and/or the last XXXX transactions on the account. 

On XX/XX/2023, I called back and went through the same process. This time when I spoke to the manager, I asked him to access my platinum account and asked him specifically whether they have my photo identification anywhere in their system. He responded no. I asked him whether they have my date of birth and my social security number. He responded yes. I asked if generally could they verify me via my date of birth and/or my social security number. He stated yes, generally they do. However, in this situation, they needed photo identification. I then asked where in the Terms of Service agreement did I agree to provide photo identification. He could not tell me other than stating generally they could ask me to verify my identity. I informed him I could provide my date of birth, my social security number, and the last XXXX transactions. I could also offer transactions on specific dates if they needed it. 

At every turn, I was rebuffed and told they needed my photo identification. I told them I believe they are engaging in illegal data collection by now asking for photo identification to be uploaded, emailed, or mailed to them when they did not require it when I opened the account. 

They refuse to unlock my account unless I give them my photo identification for them to store when the initial terms of our agreement required no such photo identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Penny Mac has failed to send me my Monthly Statements or Escrow Analysis via email or to my physical address. I called to resolve this and was told it is being sent and its probably the postal service losing my letters. I have USPS mail scanning service, I have record from USPS of every letter I receive at my house. I have every email I have received. I do not have record of any emails from Penny Mac with my Statements or Escrow analysis. I have not received any of the documents Penny Mac claims to have sent me via email or mail. I spoke to unlicensed supervisor " XXXX '' at extension XXXX. 

Since XX/XX/XXXX, here are the ONLY items I have received via Email or Mail from Penny Mac : XX/XX/XXXX Letter notifying of changes to Homeowners Insurance, XXXX Email stated Year End Statement available, XX/XX/XXXX Email 2FA confirmation email, XX/XX/XXXX Email confirming changes to Paperless Preferences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
US BANK applied a wrong check from XXXX XXXX XXXX that they claimed our vehicle was a total loss and send us a check that included our overpayment. We had XXXX XXXX at that time. The overpayment was for XX/XX/XXXX, of {$310.00}. US Bank found the mistake and found out that the check from XXXX XXXX XXXX had been applied to the wrong vehicle. But now they have not send us our overpayment. We have been communicating since XX/XX/XXXX and they keep saying we will receive it XXXX business day but nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/22 There was a fraudulent ach transaction on our business account at Bank of America. I noticed the transaction on XX/XX/22 and went into my local branch located at XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I spoke to the bank manager about it and they froze the account so no further fraud could take place. The managers name is XXXX XXXX. I told him I wanted to get the fraud recovered right a way. The amount was for {$33000.00}. He responded by telling me that I needed to fill out some paperwork and I would get my money back in 60 to 90 days. He had me sit with one of the bank associates that day to open up a new account and order new checks. The associates name was XXXX and he said he would email me the fraud claim forms and I could fill them out and send them back. He never sent me the forms and never responded to my calls or email to ask why the forms weren't sent to me. I went into the bank on XX/XX/22 and the bank manager said XXXX no longer worked there. The bank manager XXXX XXXX then filled out the forms with me at that time an faxed them to the fraud department. I learned later that with a business account and with an ach fraud transaction you only have 24 hours to stop it. I went into the bank within that time period and asked for an attempt to get the money recovered but because the bank manager didn't know this rule he did nothing at that time to recover the funds. Him telling me to fill out fraud forms that could be sent in later confirms that. The bank is not taking responsibility for there negligence and is refusing to give our money back. If he would have made the call to his fraud department when I came in on the XXXX the money could have been recovered but he failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have my bank account with Truist Bank, and they recently came out with an account that charges no overdraft fees. I have called them two different times they have confirmed on a recorded line that the account has been converted and that I wouldnt be receiving overdraft fees, the first one took place roughly about three months ago another call last month and here I am today still getting charged overdraft fees and them telling me they cant help me with 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 explanation
Consumer complaint received 2023-03-30 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: FL

Complaint narrative:
According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 inagcurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate. 
Unbelievable that the bureau are getting away with this. 

Remove accounts listed below immediately off of credit Report : XXXX XXXX- XXXX XXXXXXXX XXXX XXXX Account number 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 explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a business checking account of chase is locked in XX/XX/2021 at that moment when i ask them reason why they said in investigation after once they answer there are no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: MN

Complaint narrative:
For some time I did not know what was going on with all these fraudulent accounts on my credit report. Then I found out that my son and ex-wife potentially open the accounts in my name. for many of the accounts they did not have my correct Social Security number. So there is no way my Social Security number is on any original application that these people could have. In fact most of the information would likely be wrong because it was not me. These accounts have come back confirmed somehow as my accounts when they are not I need something done about this immediately please. This is affecting my financial situation in a negative way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TX

Complaint narrative:
This complaint is regarding a charged off account that is reporting on my Experian credit report. The account is XXXX - XXXX XXXX XXXX. This account should not be reporting on my credit report because this account was sold to a collection agency. This is double jeopardy to report the same account. Experian is also reporting incorrect payment history. The account was only late in XX/XX/17, XX/XX/17, and XX/XX/17, but Experian is reporting XX/XX/2017 and XX/XX/2017 which is incorrect. The data furnished is also inconsistent such as account numbers and last activity date. Not only are you in violation because this is a double jeopardy account, but for furnishing inaccurate and inconsistent data. I am asking for the removal of this account immediately. Credit report attached showing all of the inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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:
To Whom It May Concern : I went to sign into my PNC Bank account today, and I received a pop-up reflecting that my on-line banking had been revoked. 
I spoke to various customer service representatives, and even used the chat feature, to find out why my on-line banking had been revoked. All I was told by several representatives was that my on-line banking could be revoked for up to 30 days while they are investigating my account. Not one representative could tell me why. I requested a call back from someone in the Investigation Department.

6 hours later, a Manager from PNC called me. Apparently, I was not allowed to speak to the Investigation Department directly. The Managers was very helpful. Although she did not know the answer as to why my on-line banking had been revoked, she was determined to find out. 
After being on the phone for 35 minutes with the Manager ( she was playing the middle person between me and the Investigation Department ), she found out why my on-line account was revoked. And here is why I deposited a 3rd party check into my PNC checking account, via ATM, with the payees signature and my signature as I was instructed by PNC. 
PNC then sent me a letter and a copy of the check and instructed me to take these documents into a PNC Branch and redeposit the check along with my identification and the payees identification. Therefore, the payee and I went to a PNC Branch and followed their written instructions.

The reason for the revocation of my account was due to attempting to deposit the same check twice. If the Investigation Department actually knew how to investigate, they would easily be able to tell that I was instructed to deposit the check again at a Branch with the Payee. 
Even though the Manager told the Investigation Team that I was instructed by PNC to redeposit the check, they werent listening. They had her tell me to go into a PNC Branch and show them proof that the check I deposited was made out to me. I told her several times, the check was not made out to me, hence the reason why the payee and I went into the Branch with our IDs as instructed. Its not like I was credited twice for the deposit.

I also gave them additional information that they didnt ask for. One, the payee of the check was my father, and I could send them proof. Two, the reason my father signed the check over to me in the first place was to repay me for the cost of my uncles funeral. My father did not have the money to pay for the funeral upfront, but reimbursed me with the life insurance check once he received it. 
At the end of my conversation with the Manager, nothing was resolved, and I was told again that my on-line account may be revoked for up to 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
Good afternoon, This is where i currently am. I have an issue with my dealings with XXXX XXXX. First, a little background information. 
Sometime in mid XXXX, I contacted Rocket Mortgage for an FHA cash out refinance. During this process paperwork was submitted, credit was pulled, income was verified, appraisal was scheduled and, according to XXXX, the underwriter was actively reviewing my information. During one of the earlier phone conversations, I was told, by XXXX, " You don't have a mortgage payment due until XXXX. ". I understood this to mean that XXXX 's payment was unnecessary, as Rocket Mortgage was handling things. Some time later, I was asked for verification that XXXX 's payment was made. When notified that it was not, XXXX told me that I was disqualified due to there being a XXXX day late on my current mortgage. I was acting on information provided to me via a phone conversation, so as you can XXXX, I was a bit upset. 
I have contacted my current mortgage company, and they have agreed to review the case to have the late payment removed, but I have no proof that the phone conversation happened. I reached out to XXXX to verify. He refused to cooperate. I contacted XXXX, who also refused to cooperate. I asked for transcripts to the phone calls to submit to my current mortgage company, and was told that they would not be released, as they are proprietary. As you can see, I have very limited options. 
I am again asking for transcripts to the phone calls between XXXX and myself regarding my application. I have reached out to Rocket 's XXXX XXXX regarding this matter as well. It's quite simple. Please release the transcripts, so I can submit them to my current mortgage company. They'll amend my payment history due to extenuating circumstances, and I can refinance with another lender. It's really no more complicated than that. 
As of this writing, I am being stonewalled. 
Thank you for your consideration. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX bank account was compromised and XXXX transaction made. Dispute made in person at my Regions Bank branch. Transaction posted XX/XX/XXXX. Letter received dated XX/XX/XXXX stating transaction did not post, but it DID post. Had to call, ( XX/XX/XXXX ) resubmit again, was told to wait up to 10 business days plus mail time. Called again XX/XX/XXXX, was told information was incorrect. Resubmitted AGAIN, no response. Called today XX/XX/XXXX, was told XXXX had closed dispute and had to deal with Regions to start over. Regions CSR could not assist and was transferred to XXXX side again where I was placed on hold after a short conversation and disconnected. The elapsed time was over 35 minutes and the phone prompts would not let me proceed because offices were now closed. I have now spoken to 7 people regarding this and have over 2 hours on the phone either holding or speaking to someone. The level of incompetence is staggering. Please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP
State: VA

Complaint narrative:
Debt occurred from identity theft and the collection company didn't even verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Cavalry portfolio services , LLC, has failed to provide any supportive documentation according to ; the Florida standard jury instructions of the state oXXXX XXXX XXXX XXXX XXXX XXXX  of such debt. There is two accounts currently reporting on my credit report that I do not recognize. An FTC has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Company Name : XXXX, XXXX # XXXX Company Name : XXXXXXXX XXXX XXXXXXXX XXXX. # XXXX Company NAme : XXXX XXXX. # XXXX Company Name : XXXX XXXX XXXX  XXXX # XXXX COmpany NAme : XXXX XXXX XXXX : # XXXX COmpany Name : 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. Also states that a consumer reporting agency can not furnish an 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 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
received a phone call on XX/XX/2022 from XXXX and stated the operator told me someone was trying to withdraw XXXX from his bank account the chase representative stated I needed to verify security questions account number and pin number user id and password to block the transaction he provided the information to the chase representative to secure my account I started to feel not good about the call and i drove to chase located in XXXX XXXX XXXX passed the phone to a chase representative at the branch and he was trying to verify the person on the call but he could not verify him because all the codes he was providing were expired when they noticed it was a fraud call the individual once the transfer was done hung up my sister drove to XXXX  XXXX in XXXX XXXX. and they were able to put a hold and freeze the scammers account I have tried everything chase started a wire recall XXXX XXXX states they are able to return the money the money is frozen but they need a hold harmless letter i sent the letter to chase but chase has not sent it back to XXXX XXXX I need your assistance to recuperate my money as per XXXX XXXX the individual that did fraud has done numerous frauds and the account is frozen and is waiting for that letter to send the funds back please assist me these are my life savings i have also filed a police report report number XXXX deputy XXXX badge number XXXX I have constantly called chase actively since the beginning of this ordeal and they are not doing anything XXXX XXXX stated they needed a hold harmless letter and they did not provide it they have not done anything to help me in this ordeal I have filed a FBI complaint a federal trade complaint I have also filed a police report and nothing happens XXXX XXXX has the money frozen and they are needing the hold harmless letter from chase its been a night mare and chase has not helped in nothing when XXXX XXXX communicates during the wire recall all they did was send us what XXXX XXXX requested but they did not even reply or make any communication with XXXX XXXX to assist me to get my funds back they have been very negligent in this matter XXXX XXXX has the funds frozen in a jail account and if they don't get a response from chase they will release them to unclaimed money with the government I need assistance to get chase to help me or how do I recuperate the funds

Company response to consumer: Closed with explanation