vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I am writing to you due to my concerns with Bank of America 's financial practices. On XX/XX/2022 I purchased a trip for {$1700.00} through a third party travel company called XXXX XXXXXXXX using my Bank of America Credit Card. However, XXXX XXXXXXXX filed for bankruptcy sometime in XXXX XXXX XXXX. My travel partner and I did not find this out right away. After attempting to contact the XXXX, we were told to also contact our credit card companies. She had purchased through XXXX and got her money back almost instantly. I contacted BOA who stated they would send me directions via mail ( snail mail ) to send supporting documents back to them proving the matter. They said it must be sent via mail, even though I travel for work. By the time I returned home, and received the communication, it was significantly later. I was outside the window of time they allotted me to get supporting evidence back to them. In addition, they stated that since it was over 6 months from date of purchase it was outside the transaction window/time frame when they can return funds. I was beyond frustrated. They said there wasn't much they could do. After being transferred around to multiple departments, asking for managers etc. they said they would send me another form ( this time by email!, so they can correspond that way ) to submit my claim etc. Even though we confirmed my email, I never received any email. I followed up numerous times and never received any follow-up emails or instructions, despite being told they were sending them to me. However, I get confirmation emails and transaction alerts and statements from them regarding my credit cards all the time - there is no way these emails should not have made it to me. 

I have called BOA and wasted hours and hours on the phone with them, not getting anywhere. I believe they purposefully drew out the process, falsely stated they were sending me documents/emails etc, and had no intention of ever following through or returning my money for a purchase where no services were ever rendered. I have never received any written correspondence from the company except for that first letter that was sent while I was away from home. I have never received any type of compensation or refund from the company. 

Sadly, I eventually gave up/did n't have the bandwidth to continue fighting them until I read recent reports about the BOA 's other financial misconduct. I believe their misconduct is deeply ingrained into their entire system.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
My identity was stolen in XXXX as part of the XXXX XXXXXXXX XXXX data breach. My Truist Credit card was used to make 7 fraudulent charges on XX/XX/XXXX and I reported these charges to Truist immediately ( claim # XXXX  XXXX ). Within days, 6 out of 7 of those charges disappeared from my statement in response to the fraud claim and my money was " refunded ''. However, one {$120.00} charge to XXXX XXXX. XXXX remained on my statement despite Truist claiming that they " refunded '' me. I reopened the claim in XXXX and had it escalated due to the fact that 90 days had elapsed and {$120.00} was still appearing on my credit card statements ( claim # XXXX ). I received a third claim # XXXX  XXXX for the second escalation on XX/XX/2023. I am now being charged interest on those unpaid statements related to the fraudulent charges. 

In total, I've made calls to Truist on the following days over the last 6 months trying to resolve the issue : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Each time these calls last at least an hour and each time supervisors are unable to resolve my issue- the most they can do is escalate this with their fraud department.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank is in the habit of refusing to acknowledging that I made an accurate transaction ; thereby refusing to award me its reward of 2 % back on purchases.

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 2023-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
Truist failed to withdraw payments as set up on autopay after going through months of working to get it set up correctly while my Dad was in the hospital and XXXX from XXXX. 

Truist also has reported three different things to each bureau which are inaccurate. They refuse to repair or remove the information so it is accurate. 

I have tried for months to get somebody from Truist to resolve this issue but continue to get swept under a rug by their resolution department. 

Im really upset.

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 2023-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
I applied for NH Homeowner Assistance Fund ( HAF ) on XX/XX/XXXX ( I previously had help from them on XX/XX/XXXX to pay my mortgage ). On XX/XX/XXXX my application went into review. XXXX came around and it was still in review so i contacted HAF to see the status of my case. I was informed that I was approved, but M & T bank, my mortgage holder failed to fill out the amount past due on the V Record, causing it to fail. I have been calling weekly, both M & T and HAF and the same thing. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX twice M & T sent failing ( missing information ) V Records to HAF. HAF keeps telling me that they have been prepared to pay ( now including XXXX payment ) since XXXX, but M & T is keeping me from receiving my right to a federal grant. M & T has since been sending me foreclosure letters/default letters. I feel like they are trying to get me to take a higher percent mortgage redo because mine is only at 3.4 % right now. Everytime I speak with M & T now they record me saying I can not bring my account current today. I know M & T knows how to fill out the V Record correctly because they have already received payment from HAF for me. I feel M & T is being unethical and trying to strong arm us. Please help, I have already put in a complaint to the NH banking Department, which sent me to The NY state Department of financial services, which has now sent me to here.

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 2023-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
Loan opened XX/XX/2021, 21st Mortgage who services our loan for our mobile home has not prorated back into our escrow for a change in flood policy.

plus found out our current hazard home insurance policy last 3 years has flood insurance but they forced a lender flood policy on us so basically double policy is in effect and they will not remove their flood policy.

also at purchase, they forced the owner 's policy on us and when I purchased a policy they did not cancel the other policy on our account either.

I have sent certified letters, I have spent hours on the phone with no results.

as of now I have a hazard home insurance policy through them out of my escrow account that also has flood insurance.

I then had to buy out of my own account a new flood insurance policy to get them to remove their lender flood insurance policy off.

but i still have double flood insurance that they insist i carry two policies on flood insurance.

I also do not know why I even have to have flood insurance as our land loan does not require it.

I believe this mortgage servicer is doing illegal buisness plus my policy amounts /cost do not match their escrow detail report cost

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Commencing on or around XX/XX/, I fell victim to two multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX ETH from my Gemini account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was approved flr a 60 month 0 % financing for a home project. 
I financed XXXX $ XXXX = {$130.00} they set my minimum payment at XXXX XXXX {$8300.00}

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 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Between XXXX someone took {$6200.00} from my account at different ATM/ and in Branch. Bank says they used my debit card and PIN number Which I have in my possession so they do not consider a fraud. I asked to see the camera footage but they denied it. 
XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX x 4 times XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My ex-husband sent me a text that he received a call from " XXXX XXXX XXXX trying to contact you in reference to your case. The phone number is XXXX. Reference XXXX. '' I have no idea who this is or what they are talking about, and I have no idea why they contacted my ex-husband. I called the number and spoke with a " XXXX '' who told me I had been approved for an American Express line of credit and could I verify the last XXXX digits of my social security number. I asked her if this was a law firm, and she said yes, that she was calling from XXXX XXXX XXXX, the XXXX XXXX, in XXXX, Georgia. I asked her to send me something in writing. She said my " file '' was locked and had a red flag, and there was a lawsuit against me in process. She said she would open the file and then said that it was going to be processed and a Sheriff come to serve a Complaint because I hadn't paid an American Express bill. I do not have an American Express card and have never applied for one. I advised her that I was filing a Complaint against them for their bogus, harassing and annoying phone calls and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Chase Bank for failing to issue me a full refund for a fraudulent charge from XXXX. 

On XX/XX/2023, I was charged {$110.00} by XXXX for an item that I did not order. I immediately disputed the charge with Chase Bank. 

On XX/XX/2023, Chase Bank issued me a partial refund of {$19.00}. They claimed that the remaining {$100.00} of the charge was not fraudulent. 

I contacted Chase Bank again to dispute their decision. I provided them with evidence that the charge was fraudulent, including screenshots of the XXXX website showing that I did not order the item. 

On XX/XX/2023, Chase Bank called me and said that they had reviewed my case again and decided to issue me a full refund. However, I have not yet received the refund. 

I checked my Chase Bank account online and on my XX/XX/2023 billing statement, and I do not see any sign of a refund. I also called Chase Bank customer service and they confirmed that I have not yet been refunded. 

I am very disappointed with Chase Bank 's handling of this matter. They have failed to issue me a full refund for a fraudulent charge, and they have not been responsive to my requests for help. 

I am filing this complaint with the CFPB in hopes that you will investigate this matter and take action against Chase Bank. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which in volved me making deposits for a total amount of {$3000.00} from my Navy Federal Credit Union account to fraudulent investment firms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX I financed a XXXX XXXX XXXXXXXX from through XXXX XXXX XXXX and Lobel Financial. Lobel Financial is in violation of 15 USC 1692e false or misleading representations of the Federal Truth in Lending Act disclosure retail installment loan being PAID IN FULL by my credit transaction finance charge pursuant to 15 USC 1605. The use of my social security number ( credit card 15 USC 1642 & 15 USC 1602l, m, n, o, p ) at XXXX XXXX XXXX and the loan sold to Lobel Financial on XXXX. Furthermore, I paid a {$4500.00} down payment and for full coverage insurance at {$280.00} per month plus a car note of $ XXXX {$340.00} per month. Placed Lobel Financial as lein holder of the car in violation of 15 USC 1605 having been given no full disclosure to my right to rescission 15 USC 1635. No correction of billing errors pursuant to 15 USC 1666 on billing statements or letterhead violating 15 USC 1611 & 15 USC 1640 & 15 USC 15. Lobel Financial have liability for breach of fiduciary duty 29 USC 1109 failing to do whats in the best interest for my benefit by LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: ProCollect, Inc.
State: TX

Complaint narrative:
Hello, There is a collection on my credit report, which is not mine. Someone used my information to rent a place and left the place without paying all dues. When i found out about the collection on my account, i paid it off immediately as it was impacting my ability to take a mortgage loan. Balance was low ( {$350.00} ) and i thought to pay it and work with the collection agency to remove it later.

Now that i have paid the account, collection agency won't talk to me or remove the account from my credit report. I have talked to them and also opened disputes will all three credit reporting agencies but in vain. Collection agency is not interested in talking to me as they have already received their money. If it was truly my account, i would not mind having it on my credit report, but this is not my account and i am not getting any help from the collection agency. I never received any communication from the collection agency either, except seeing a collection on my credit report. If i would have received any communication from the collection agency, i would have taken care of it at that time. 

Can you please help me remove this account from my credit report. 

PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account number XXXX Original balance {$350.00} 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 explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase bank closed my checking account with $ XXXX available as a balance. A check had cleared my account written by XXXX XXXX XXXX as a claim settlement from a total loss automobile accident for XXXX XXXX XXXX XXXX  with just XXXX miles purchased less than three months suffering as a result XXXX XXXX XXXX due to XXXX XXXX XXXX insured drivers 100 percent at fault. I represented myself as pro se with all attorney terminated. Was told that my money was been send and would received it in ten days according Chase. Chase had misplaced my first check in XXXX with mal intend. A second check was reissued after chase lost the first $ XXXX by dishonest employees engaging in fraud, manipulation, and illegal banking collusion trying to steal my $ XXXX. I called XXXX XXXX XXXX and was confirmed the the $ XXXX had written cleared my account with all correctly submitted supporting documentation presented in goodfaith as 100 percent entitled to my money. After the check have properly cleared my account through Federal Reserve or bank check clearing process, they want me to have XXXX XXXXXXXX XXXX reissued a third check that have already been cashed out of XXXX XXXX escrow account. That is collusion and fraud. And, it is illegal with reckless neglect for banking law and legally acceptable documentation provided by me providing ownership of funds 100 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: KP ASSET CONSULTING LLC
State: KY

Complaint narrative:
I have filed a complaint for the phone calls and misrepresentation. After speaking with the KP Assets again they confirmed they do not own the debt so I asked for debt confirmation/validation letter. Again the repress themselves as a mediator and threaten legal action contact family and friends etc. They work with a company called XXXX but act as if they are not affiliated. 

I requested the calls to stop they said no since they are a mediator. They then sent the attached document stating they were without providing all the required information of a debt validation letter.

Company response to consumer: Untimely response