vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hello, my name is XXXX XXXX, I have a son XXXX XXXX with XXXX XXXX. He receives Social Security benefits monthly. I have a bank account at Wells Fargo together with him. Recently my computer was hacked and money was sent out from this account thru XXXX at Wells Fargo to my name and my other son 's XXXX only received the initial {$5.00} but not the {$900.00}, I was supposed to also receive {$100.00}. Upon investigating the fraud department from Wells Fargo denied the restitution of the money hacked .Total of {$1000.00}. XX/XX/XXXX was the day that this happened, I immediately called the bank and the account was closed. I also deleted the XXXX receipients. Wells Fargo never asked for my XXXX XXXX  XXXX statements and my other son 's XXXX to see if the money really got deposited into these two accounts. I am very upset, the only money that my son XXXX receives and saves due to his illness. Please try to help and Hopng to hear from you soon I send my regards Thanks 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 monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check on XX/XX/2021 for {$200000.00} to a chase ATM since it was after hours. I received an error on the screen with instructions to call Chase the next day to ensure that the check was deposited. I called Chase immediately the next morning and a dispute claim was made. I was told I would get temporary funds while it was being investigated ( that never happened ). The funds were released from the check holders account on XX/XX/XXXX. Chase wrote back that after investigating the claim, they don't see a problem with the transaction. However It is now XX/XX/XXXX and I still do not have the money nor did I ever get temporary credit. I have been contacting XXXX by secure messaging, social media, telephone and in person visits without any assistance despite giving them all supporting documents from both XXXX and XXXX  XXXX XXXX. I have attached all supporting documents

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-10 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: FL

Complaint narrative:
In previous letters I have requested that you review the information, contained in the credit because it is not correct, but they have not given me an answer, this is not 100 % true

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 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT INCLUDED ARE MY PASSPORT FOR IDENTIFICATION ALSO UTILITY BILL, ASWELL AS XXXX XXXX REPORT AND FEDERAL TRADE COMMISSION THEFT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My father passed away. I have completed probate and have them property listed for sale and have a contract to sell. The service provider has done everything possible to try to stall the sale. Including stealing items from property. My realtor and title company have requested in writing pay off amount and have been stalled and hold multiple excuses. Everything has been completed in writing as well as verbally requested. I myself have done the same. PHH continues to stall. We all feel this company as trying to steal the property. All im asking for is a payoff balance so I can close and actually pay off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: OR

Complaint narrative:
I was due to close on XX/XX/XXXX with a doc signing appointment at XXXX AM. My final closing documents did not arrive until after XXXX AM and I was already enroute to the title company, so I was not aware of a {$5000.00} error in reimbursable closing costs due to me by the seller until I signed the docs. The error was flagged by the title company as an XXXX violation when they did their check. Unfortunately, I signed the docs hoping to work it out after and the seller refused to cooperate. I was not notified prior to signing the documentation and I did not understand what caused the {$5000.00} error. When I contacted my loan officer about it he said there was nothing he could do and it wasn't his fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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:
XXXX is tarnishing my consumer report by, displaying inaccurate information XXXX account number XXXX. This is information is false and is interfering with me receiving a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I contacted my credit card company to settle the debt that was owed. I was informed that my debt had been sold to XXXX XXXX XXXX and was provided a phone number of XXXX. I called and spoke with a woman with a foreign accent named " XXXX XXXX ''. I explained to her that my husband and I were in the process of obtaining a home equity loan to pay off our creditors, and that when I had previously spoken to my credit card company they were willing to settle the account for the amount of {$7500.00}. I explained that in the time that had passed that we received the letter from them and that our approval was given and our closing was scheduled, the credit card had sold the debt to them. I asked if they would be willing to accept the same offer that we were provided by the credit card company and that I hoped that they would because the loan acceptance was based on those figures. She said that she could not accept {$7500.00}, but would accept {$7700.00}. I said that would be great, and I would like to accept that offer. I asked if she would please send a settlement letter and she agreed that she would. I waited the whole day before calling back because I did not receive the letter. I called back at XXXX and was assured that I would receive a letter. I received an email with a link to click on that took me to their website. I logged in with my account information and saw that there was a " custom offer ''. I clicked the link, but it would not allow me to accept the offer. I have called back and spoke with at least three other people ( including a manager ) who are unwilling to generate a letter for me. How is that they have offered this amount to me to settle, but will not generate a letter stating such? The only thing that my online account states now is that I have made a payment arrangement in that amount, but it does not indicate that the account will be paid in full upon paying it. What is to keep them from coming after me for the difference after I pay them? They have not provided me with a statement to their figure that they said they would accept as payment in full. I know that they are capable of doing this because I have another account with them in which they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have reached out to Jefferson Capital and requesting information in which I have yet to receive a response. Jefferson Capital is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion has literally ruined my life.they have reported my XXXX XXXX XXXX closed and delinquent. They reported I disputed XXXX XXXX. This is incorrect information. XXXX XXXX have removed bankruptcy from their file transunion will not remove it, they will not update my person information with verification. They will not remove XXXX XXXX. I don't know why transunion is reporting incorrect information on my credit report. My account has been closed due ton Transunion reporting incorrect information I'm unable to buy a home due to transunion reporting incorrect information. No credit card company is reporting anything negative on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
XX/XX/2018 vehicle was repossessed, and now appears on credit report as OPEN, and with XXXX different BALANCE AMOUNT. The amounts are as followed : {$10000.00}, {$9600.00}, and {$9500.00}. This account has been disputed several times, and all requests to provide proof and to have the account VALIDATED, Corrected, and/or Deleted has been ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-10 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: CA

Complaint narrative:
Transunion is tarnishing my consumer report by, displaying inaccurate information XXXX account number XXXX. This is information is false and is interfering with me receiving a loan.

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 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
On XX/XX/2016 I attended court with XXXX XXXX XXXX XXXX was dismissed. The amount of XXXX was paid by check. This was the final amount to be paid. The case was dismissed XX/XX/2016. 1 year later the account was sent to collections stating I owe XXXX. Over the past two years I have made several attempts to have this debt removed from my credit. I called the creditor and informed them that this is not my debt and they still would not remove it. They gave me a account number that I do not recognize. When I told them this they told me that the case was mine and that the money was due in the amount of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I opened a Chase Southwest Airlines Credit Card in XX/XX/2021. I was to receive a {$200.00} statement credit and XXXX reward points after spending {$1000.00} in the first three months. Chase is refusing to deposit the reward points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased an order of floor tile from XXXX XXXX XXXX. On XX/XX/XXXX the tile was delivered to my home. The driver said he could only off load the tile which was in boxes on wooden pallets onto the street. He had no way to move the pallets onto my driveway or put them into my garage. I refused delivery of the tile. The pallets of tile remained on the truck and he drove away. I never accepted the merchandise. On XX/XX/XXXX I was given a provisional credit after I filed a dispute on XX/XX/XXXX, see attached. On XX/XX/XXXX the credit was reversed. I never received a letter stating that they had reversed the credit. I never received a letter explaining their reasons for denying my dispute. I received nothing until I received an email stating my payment was due. This charge is in dispute I should not be billed for a charge that is being disputed. I sent a letter XX/XX/XXXX, see attached asking that the dispute be reopened. I have received nothing from Comenity Bank. They are still sending me emails stating that my payment is due. This dispute must be resolved in my favor as I never accepted delivery of the merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT INCLUDED ARE MY PASSPORT FOR IDENTIFICATION ALSO UTILITY BILL, ASWELL AS XXXX XXXX REPORT AND FEDERAL TRADE COMMISSION THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT INCLUDED ARE MY PASSPORT FOR IDENTIFICATION ALSO UTILITY BILL, ASWELL AS XXXX XXXX REPORT AND FEDERAL TRADE COMMISSION THEFT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged for a product that was faulty and the company promised a refund but than backtracked. I disputed the charge for US {$110.00} with XXXX. The Citibank department closed it without informing me and I am not sure how to respond to them. I have not recieved any response as to why the dispute was closed

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 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: MO

Complaint narrative:
I rented a XXXX XXXX from XXXX rental car at the XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2021. At that time I picked up the car, no one from XXXX took the time to review that car for any damages. I personally went around the car and did not see any apparent damage to the vehicle. I returned the car to the same airport on XXXX, XXXX, XXXX. Once again, no one from the XXXX rental agency took the time to review the vehicle. I once again walked around the vehicle and saw nothing different from when I picked the car up. Roughly a XXXX later on XX/XX/2021 I received a letter from Viking Billing Services ( XXXX XXXX XXXX XXXX, XXXX XXXX ) claiming that I owed {$1200.00} for vehicle damage. This is quite clearly a scam. I am starting this route first. My next communications on this will be to the attorney generals of XXXX and XXXX. Since XXXX failed to do any due diligence in inspecting the car either going out or coming back in, I see no basis on which they can make this claim. My next resort if that fails will be to hire an XXXX and seek damages for this clearly transparent attempt at insurance fraud. ( This is my complaint posted with the XXXX ). Next step is the FTC, the XXXX  and XXXX  Attorney Generals, and the XXXX XXXX XXXX XXXX. And, I am sure I can find others. 

I attempted to work with XXXX ( the owners of XXXX XXXX XXXX ) and they basically said there is nothing they can do. 

This company has a XXXX rating with the XXXX and if you google " Viking Billing '' you will come up with a great deal of hits for fraudulent collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On XX/XX/2021 I signed up for XXXX XXXX rewards only and a credit application was filed. I did not approve this and a hard inquiry was done. I did not recieve a letter of approval or denial and I didn't recieve a credit card. I called XXXX XXXX and they said there's no record of an application. I called TransUnion and they told me they needed a letter from XXXX saying there's no record. I called XXXX and they said it was sent but TransUnion still hasn't removed it from my report. Please help.

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 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been Victim of identity theft and has already filed it with police department. PLEASE REMOVE THESE INCORRECT information from my credit profile 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 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have made about a dozen calls to SunTrust about the mortgage I have with them for a duplex I own in XXXX, VA ( Loan # XXXX ). More specifically, I've contacted them because of two problems : 1 ) the amount of remaining principal shown on my monthly mortgage statements is about {$10000.00} more than the amount shown when I log into the website. They tell me the latter is the correct amount but despite numerous promises to fix the problem over many months, the statements still show the incorrect/higher amount. I have no idea whether the interest I'm being charged is based on the correct amount of principal!! 

This problem likely stems from the fact that in XX/XX/2020 I signed up for the payment deferral program. I have since, as of about XXXX months ago, made every one of the missing payments and thus the correct principal amount should be exactly what it would have been at this point, had I never signed up for that program. This leads to problem # 2...

2 ) I have asked for a record of all payments made and received on the loan for the last XXXX years, including the amounts that went to pay interest, escrow items, and toward principal, along with the monthly principal balance, simply because I have a feeling the lower amount of principal they claim is correct ( about {$200000.00} ) also is too high and thus is inaccurate. Getting this record will allow me to determine whether the principal amount claimed is in fact correct. 

When I call about these issues, first, I'm passed around like a hot potato among different departments ; eventually I'm told it will be corrected, that the next statement I get will be correct, and that they will send me the record of all payments made and the monthly balance. None of these things have happened. I have since asked to speak to a supervisor but I've been told one will call me back. That also has not yet happened! I literally have spent hours and hours on the phone with these clowns but thus far, nothing has been done! I am very busy, like most people, and do not have time for such nonsense. I have been a good customer of SunTrust for a long time and they used to be a good company. However, since they merged with BB & T, everything has fallen apart. When I move back to XXXX from XXXX, I likely will close my bank account with them and get a new mortgage for the property in question. This company has become a bad joke.

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 2021-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: AR

Complaint narrative:
I sold this house in XXXX of 2019. We closed with XXXX XXXX in XXXX, Arkansas. LoanCare is still reporting this mortgage.

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