vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: FL

Complaint narrative:
In the last week of XX/XX/2023, I was unable to log into my Chase Online Banking account, which I subsequently found out was due to it being locked. Upon contacting customer service, I was informed that my account was being terminated and my checking account would be closed. It was also stated that I would receive a check for the balance in my account via mail. I was assured that my other accounts ( credit card and IRA ) would remain open, but this assurance was short-lived. 

Despite my repeated attempts to understand the reason behind this sudden and abrupt termination, I was not provided with any valid explanation. Worse still, I was met with rude behavior, which I believe is unprofessional and out of place in a customer service environment. 

My XXXX XXXX, who I hoped would be able to clarify the situation, chose to ignore my concerns. Calls to the XXXX XXXX customer service line were fruitless, as they demanded validation with my closed debit account number and then dismissed me, claiming I no longer held a relationship with them. 

A visit to the Chase branch in XXXX, XXXX, MA, only confirmed the closure of my checking account and the 14-day process to complete this. While they reassured me that my credit card and IRA would remain open, my IRA was also closed without any prior notice. 

Adding to my woes, I was informed that my funds would be mailed to me by XX/XX/2023. However, it has now been over a month since this date and I am yet to receive my funds. The delay is causing me financial distress as I am losing money due to credit card interest and the inability to access my own funds. 

Furthermore, while my checking account was closed, Chase continued to accept my paychecks from my employer. These funds, amounting to over {$19000.00}, have yet to be returned to me. I have contacted customer service weekly, only to be repeatedly told that the check is pending approval with no further updates. 

This chain of events has left me in a precarious financial position, caused me undue stress, and undermined my trust in Chase. I kindly demand immediate action to rectify this situation, including an explanation for my account closures, and most importantly, the immediate release and delivery of my funds. 

I hope for a swift resolution to this matter. Thank you in advance for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
Fay Servicing LLC took it upon themselves to Advance Escrow our Home Owners Insurance when they requested our renewal policy. 
We never authorized escrow and had advised that we were self pay. 
It was not a requirement to escrow. We have been paying our insurance directly for the past 12 years. We were not notified in advance that they were doing this. We also had no opportunity to review our renewal and it had increased. Fay Servicing used a loophole by requesting the renewal policy so they could pay on our behalf. They have never collected escrow from us and now they did an Escrow Advance for {$1100.00}. Our policy renews on XX/XX/2023 and they made payment against our approval on XX/XX/2023, before we even saw the policy. This is illegal and unethical. We have been in contact with our insurance agent who states this is sketchy. We have contacted Fay Servicing numerous times to reverse this Escrow Advance and we are getting no where with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check for {$24000.00} on XX/XX/XXXX through a Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The automated system said that a hold was placed on my funds due to the check being a large amount. When I call to speak with a customer service representative, I still get that message and it says funds will be released on tomorrow, XX/XX/XXXX, however, in my online statements and documents, a letter was uploaded by the bank saying that the deposit was not accepted because it was not properly endorsed. I have made personal financial decisions with the understanding that my funds will be available by tomorrow ( XX/XX/XXXX ), that will very adversely affect me if they are not. These include not being able to pay my XXXX mortgages. 

They attached only the front of the check and the letter was addressed to my husband and not me. The check was made out to me. THEY ADDRESSED THE LETTER TO MY HUSBAND ONLY! Now my check is not being returned and I am being told to contact my client who issued the check. I am very upset because I properly endorsed this check using my name -- XXXX XXXX -- and believe I am being discriminated against as a XXXX woman, because of the amount of the check and the branch where I deposited the check. This branch is very close to my home and I have been depositing checks this way for over 23 years at this branch. 

My husband and I share an account and they assumed it was his check and addressed the letter to him and not me. The fact that they are holding up this check will now result in both of my mortgages being late. They told me to wait for the letter in the mail, which can be 10 days and then come into the branch with my ID and sign and then it will be held for another 7 days. This is unfair. This branch is only open from XXXX, which also makes it very difficult to make it inside the bank. 

This is why I regularly deposit checks through the ATM. Now I do not trust that process at all. This is not the first time there has been a problem with me depositing large amounts of money at this branch. They highly scrutinize and hold the checks for longer than usual times, but this time they flat out rejected the deposit and never showed any proof that the check was improperly endorsed. Please, any assistance that you can provide is appreciated!

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 2023-05-12 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: CA

Complaint narrative:
CLARITY SERVICES, XXXX, EXPERIAN INFORMATION SOLUTIONS , INC, and its criminal executives such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX committed multiple crimes such as 18 U.S. Code 241, 242, copyright and trademark infringement ( 18 U.S. Code 2319 & 15 U.S. Code 1114 ) for using XXXX XXXX XXXX XXXX without written consent, and many more. Fraudulently reporting without written consent ( 15 U.S. Code 1681b ( a ) ( 2 ) ) and also a Fake Credit Bureau ( 15 USC 1692a ( 1 ) ).

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 2023-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
2022 I discovered I was the victim of fraud and that my credit information was being used by others. I had approximately {$28000.00} stolen from my bank account and had to close and open a new account. Numerous credit accounts were opened unknown to me, in my name. At the time a relative was living with me and using my credit information, my social security no. and other vital information in my name. I reported that these were not my charges, this was written off by the credit card co. and sold to a XXXX XXXX XXXX. I have requested a police report from the police department in XXXX, PA, and requested assistance from the Area Aging Agency in XXXX XXXX PA and reached out to the Pennsylvania Attorney General with no help. After months of corresponding with the Area Agency on Aging, they promised they were speaking to Police Dept., Secret Service to track down and then discovered they were no longer assisting. My brother, who was living with me at the time, died XX/XX/2022 and had been using my credit and opening these cards- I believe another party who he met on the internet and I believe was being scammed, was involved and using this information as well ... These are charges I did not make and I am not aware of but can get no help in getting this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XX/XX/XXXX, I pulled a copy of my credit report and noticed Portfolio recovery reporting derogatory information about me. I have never done business with this company before and have no idea who they were, so after a couple months of research on the internet I realize I have been placed on my report in error by the credit reporting agency, so I sent a dispute to the credit reporting agencies in XX/XX/XXXX and they responded letting me know that portfolio said that the account belongs to me and it was reporting accurately. 

At this point I was really confuse, frustrated and angry. I spoke to an acquaintance of mine who told me that there is a law call the fair debt collections practices act and that every third party debt collector like Portfolio Recovery needs to verify the debt once I request verification. 

So on XX/XX/XXXX I sent a letter directly to Portfolio Recovery requesting verification of the debt. 

They responded on XX/XX/XXXX with a templated response along with 2 pages of a XXXX XXXX  statement. I do not know why they sent a XXXXXXXX XXXX statement and don't know where they got such a statement from with my name and address. I do not even every remember having an account with XXXX XXXX. As of time of me filing this complaint. Portfolio is still on the 3 major credit reporting agencies. At this point all Portfolio did was further add to my confusion, frustration and anger. They are causing me a lot of stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Filed a dispute for XXXX and XXXX. The company Goldman Sachs can not respond with consistent information I get no or different information each contact Representatives only know how to file a dispute whether I approve or not. I have written a letter had to call for them to tell me they responded. Never got a response before calling. One part the XXXX. XXXX was approved but not the XXXX. Nobody knows what is going on. Also Sent payment told by two reps it would be applied to balance only this didnt happen called no explanation other than Im sorry. This is sad. I have never ever endured this with a credit card company. Their customer service is horrible and inconsistent please get my XXXX refund which they have out on a new payment plan The purchase was made in XXXX of XXXX. I have already paid this. How can one start a payment plan in XXXX for a XXXX purchase. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
TRANS UNION XXXX LLC and its criminal executives such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX such as 18 U.S. Code 241, 18 U.S. Code 242, copyright and trademark infringement ( 18 U.S. Code 2319 & 15 U.S. Code 1114 ) for using XXXX XXXX XXXX XXXX without written consent, and many more. Fraudulently reporting without written consent ( 15 U.S. Code 1681b ( a ) ( 2 ) ) and also a Fake Credit Bureau ( 15 USC 1692a ( 1 ) ).

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 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: OH

Complaint narrative:
I opened an account with US Bank on XX/XX/XXXX with a promotional code of XXXX which based upon amount of direct deposit a promotional bonus was to be paid. I met this criteria in the first 60 days with $ XXXX in money direct deposited into the account. I called in early XXXX to ask why the bonus hadnt been paid and they said wait until XX/XX/XXXX and if it wasnt paid to contact them back again. I contacted them back again on XX/XX/XXXX and they entered yet another case this time and told me someone would contact me to ensure it was paid out. Now I am XXXX weeks past the second case entered and still no contact or promotional payment paid out.

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 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I opened a checking account on XX/XX/2023 with a promotion that would pay based upon direct deposit received in first few months of opening. I met the direct deposit requirement on XX/XX/2023 when I had {$1000.00} deposited of my paycheck but have not received the bonus as it stated I would. I contacted Wells Fargo on XX/XX/2023 and was told that they can speak to me about missing promotional money on my account and whether or not I should receive the payout and that I must go to a Wells Fargo branch. There is not a branch within XXXX miles of me and therefore they refuse to be able to speak to me about the problem on my account

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 2023-05-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX XXXX XXXX credit card account. I called to close the account in XX/XX/XXXX. Without any notice to me, XXXX XXXX XXXX charged an additional {$23.00} to the account and did not close the account. 

Because I had no notice, XXXX XXXX XXXX listed the account as unpaid and in XX/XX/XXXX reported it on my credit report. I attempted to resolve their error but was rebuffed.

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 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo closed my accounts and has yet to send me my funds that was in my account

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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This happens to be an ongoing issue that has been happening since XXXX almost 1 year now of being scammed and my credit card charged over {$6000.00} that this guy XXXX who claims he was a XXXX representative who scammed me out of {$6000.00} plus money from my credit card in which I refuse and will not pay because XXXX is what he told me his name was scammed me. I have been going back and forth with Wellsfargo about this and how this has affected my credit which my credit was High XXXX 's, now it has dropped to XXXX 's. I spoke with the Executive Office of Wellsfargo ( XXXX ), he opened up another claim for me in which I gave him a little more information. Once again I am not paying this amount that was charged on my phone in which this XXXX person had me download this app in which he entered my phone and was able to navigate through my bank informing. His initial attempt was to help me get {$500.00} back from someone that I was scammed from may a month earlier, I was scammed 2 times within the same month {$500.00} and also this {$6000.00} plus which I am not paying that at all, I can not afford that why would I wire something somewhere I have no idea who these people are. I have texts from this person who did this to me telling him I hope you are not scamming me, all I want is my {$500.00} back ( Fake XXXX representative ). Who turned XXXX into over XXXX. Once again I will die oweing this money because I do not have XXXX to pay anyone PERIOD. I am not going to give up because I was Frauded and scammed and I am living from check to check. I can not afford to pay something that I did not authorize. Now the charges are up to {$9000.00} and some change from all of the late fees etc.that are occurring. Once again I will not pay this amount. At all. Wellsfargo in Union rather all banks should have sympathy for people that go through this. I will keep this ongoing because I am not paying and will not pay.

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 2023-05-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX I initiated a dispute with this company against XXXX XXXX XXXX for submitting a dismissed claim on my credit account. The claim is from XXXX XXXX account that was discharge in my bankruptcy in XXXX. The dispute was never investigated. I received a letter telling me to provide proof of address information, although the information in my credit account is current. I was told that the dispute couldn't be processed. Today, I received a message from Trans Union that my dispute was canceled as per my request. I never canceled the dispute. So many games being played by this agency affecting my credit and my life! I want these folks held accountable. Also, I settled XXXX negative accounts on my credit and my score was not affected. The accounts were simply removed. This is fraud and I would like an investigation.

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 2023-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Paid {$160.00} for auto insurance on XX/XX/2023 and cancelled on XX/XX/2023. Was initially told that Id get a prorated refund for days paid for and not used ( XXXX XXXX ). 

I was later told that a credit of {$38.00} was applied to my homeowners insurance policy ; so no refund ; much less than Im owed and instead of refunding me its applied elsewhere without my consent. I was never asked how I wanted the refund.

That amount isnt the prorated amount after only using 4 of the 31 days paid for in May.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: NC

Complaint narrative:
I requested my credit reports from all three bureaus. I immediately noticed the reports mentioned that a collection company reported a debt that I do not recognize. I also. see multiple inquiries from XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX. Unknown phone numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. Unknown address XXXX XXXX, XXXX XXXX, MD XXXX. XXXX XXXX, XXXX, MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY 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 non-monetary relief