vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called BofA because they erroneously denied my wellness incentive from XXXX. XXXX does not require any documentation for the reimbursement. They told me the issue would be resolved by now previously. However I looked on my account and there is a negative balance on my account. I called back, they put me on hold forever, then the agent hung up on me almost immediately once i did get through because it took a couple seconds for me to get off mute - i guess they thought it was a false call. 
There is no way to contact the bank electronically. The chatbot is an XXXX XXXX and can not resolve issues. there is no email. This makes it virtually impossible to resolve issues and access my funds. This is unacceptable.

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 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Worth Finance Corporation
State: TX

Complaint narrative:
Worth Finance has been harassing and calling me and my family over a loan that i did not accept. I told them to take us off the call list but they keep calling us and its ridiculous at this point and very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CBM Services, Inc.
State: MI

Complaint narrative:
I had XXXX Medicaid at the time of my visit should have been covered

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WA

Complaint narrative:
I made a one-time payment of {$80.00} to my internet provider XXXX XXXX on XX/XX/2024 with my Chime debit card. The payment failed, I made XXXX more attempts with the same card to pay my bill. None of the XXXX transactions are successful on XXXXXXXX XXXX XXXX system and show as " failed ''. I call Chime and and they assure me that these transactions won't post and my money will return. 

I see the transactions pending on my Chime account and I wait for the money to return to my account. On XX/XX/2024 these XXXX pending transactions post. I did not receive service for any of these transactions and when I contacted XXXX  I was told to reach out to Chime to dispute the charges. 

I immediately call Chime on XX/XX/2024 and start the process to dispute the transactions in the amount of {$400.00}. XXXX weeks into their investigation they start denying the disputes. The merchant never received the funds, yet Chime doesn't want to return MY money. 

I have tried being patient and working with Chime and XXXX for a resolution. I'm getting nowhere and need help. I will be sending proof in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
i am writing to demand consumer reporting agencies recuse themselves from further violations dealing with XXXX XXXX XXXX XXXX. They have violated several laws many state and federal felonies. any continued reporting will be considered adverse action on behalf of consumer reporting agencies. These adverse actions will be including but not limited to extortion, racketeering, identity theft, mail fraud, wire fraud, invasion of privacy, deceptive practice, misleading representations and many more. if ay attempt to validate the debt is done it must be done under 15 usc 1681i5 and i would like all information on who is spoken to time and date how they have information on the account it if is first hand knowledge. i would also like to remind consumer reporting agencies that transactions and experiences are to be excluded from consumer reports per 15 usc 1681a2Ai. i have rejeted consent of any reporting of these transactions and experiences and expect the law to be followed. any consumer reporting agency that is not interested in co defending against the several violation of 15 usc 1681a 15 usc 1681b 15 usc 1681i 15 usc 1681j 15 usc 1681 s2b 15 usc 1681n 15 usc 6801 15 usc 6802 15 usc 6821 15 usc 6823 18 usc 1341 18 usc 1343 18 usc 1344 18 usc 1028 shall delete an account of XXXX XXXX promptly and rapid rescore. i would also like to add the XXXX XXXX is an unregistered business and reporting information from them is an federal offense and a violation of 15 usc 1681b. Attached is a copy of the unregistered business admitting to violating federal and state law and my privacy rights. any further reporting will be considered willful non compliance

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A payment was made to XXXX XXXX in XX/XX/2022 for {$1400.00} for payment in full. I have a copy of the cleared check. The account still appears on my credit as unpaid. I have made several calls and filed disputes with the bureaus to which they reply it is unpaid. I have sent copies and they still refuse to remove this account. Clearly a violation of the FCRA, not to mention the attempts to collect on a debt paid 2 years ago. I would like this completely removed from my credit as it now has caused issues with my score and prevented me from obtaining other new lines of credit and as a young professional now is the time for me to be building my credit

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 2024-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: TX

Complaint narrative:
My parents passed away suddenly and I have a will stating I will receive all proceeds and property. Midland Mortgage has the process impossible and difficult. They have been giving me the run around for over 2 years. I have spent money on top of money with no resolution. They claim they dont have paperwork when I have all receipts that they do. I have spent moneys on attorneys and still they refuse to help. Now they want to foreclose. They just asked today for birth certificates and at this point they are just reaching and refusing to comply. I have been stressed and still cant properly grieve for my parents due to this

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I logged into our Wells Fargo Joint Checking Account and noticed numerous high dollar amounts were charged to my husband 's debit card. There were websites I hadn't heard of and there were large amounts taken out from stores that my husband doesn't shop at ( such as XXXX XXXX XXXXhe 's not a member ). When I asked him about all of these charges, he confirmed he had not made these purchases nor did he authorize them. He immediately called to report it to Wells Fargo and received a claim number # XXXX. Both his debit card and mine were cancelled that day on XX/XX/XXXX. We received a letter in the mail that was dated XX/XX/XXXX ( XXXX calendar days after our claim had been submitted ) stating " We have completed our research of your inquiry about charges of {$10000.00} on your account. Based on the information available to us, we have determined the transaction was authorized or that a processing error did not occur. Please consider your claim closed. '' In addition to this $ XXXX, an additional {$2900.00} was charged AFTER our cards were cancelled. I called Wells Fargo to dispute the denied claim but was again denied because they said the claim is closed. I told them of the additional charges and wanted to open another claim. The representative told me that those additional charges were included in the first claim!! How I asked? He tells me that the original claim actually had over XXXX XXXX on it, but that is not what the letter we received indicated. 
We never received notification from Wells Fargo, such as an alert about whether we authorized these amounts when they were posted to our account. The only notification that clued me in was Wells Fargo had already dipped into our Overdraft Protection and charged us fees ( {$450.00} in fees ). These large transactions all happened within a 7-10 day window and I was triggered by how quickly our bank account had depleted and that is what prompted me to dig further. My husband has been a Wells Fargo customer since XXXX and I have been since XXXX. It's disheartening to know that this is how they treat long time customers. Our hard earned money was stolen from us and they have the nerve to do nothing to help us let alone nothing to protect us from this occurring in the first place!

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 2024-01-27 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2024-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I sent a validation letter to National Credit Systems and to every credit bureau on : XX/XX/year>, XX/XX/year> and XX/XX/year> by certified mail. Ive never received a response back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: MIDFIRST BANK
State: VA

Complaint narrative:
I obtained my mortgage -origination- in XXXX, and since that time I have been paying the home insurance PMI until today thru 3 mortgage companies, the current one is Midland Mortgages XXXX 
I asked the company to cancel the PMI since I meet the conditions, but they refused and arguing that the loan first originated in the year XXXX. ( since the time I switched to them ). 
I do not know why they are citing incorrect reasons, especially since all criteria that allow me to cancel the insurance are met. No late payments and the market price of the house is {$550000.00}, and the remainder in the loan is {$260000.00}. In addition, Thank you very much for the help. 
Please help me with this matter. Thank you very much.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX with new & updated information about my recent complaint XXXX. Upon discovery after reviewing Equifax re-investigation results I see that the information they used to conduct their investigation was factual information obtained directly from a creditor which can not be used pursuant to 15 USC 1681a ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal CFPB Navy Federal Credit Union Secured nRewards Visa Card Ending in XXXX XXXX I have reason to believe that Navy Federal Credit Union is violating 15 U.S. Code 1666d ( A ) by failing to offset the balance of my credit account from consumer credit transactions made by this card. 15 U.S. Code 1666d states ; whenever a credit balance in excess of { {$1.00} } is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. The balance of { {$1100.00} } on my account is evidence that Navy Federal Credit Union has not took the necessary steps to offset the balance from consumer credit transactions on this card as listed in 15 U.S. Code 1666d.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: EAST WEST BANK
State: NY

Complaint narrative:
I recently took over as the XXXX XXXX for XXXX XXXX XXXX, XXXX XXXX. The bank account for the condo association is with East West Bank. The association 's financial records had not been through an external audit since XXXX. I had pulled the statements for the checking account, but the statements only have the images of the outgoing paid checks. I requested the bank to provide me with images of the deposited checks and deposit slips from XXXX to present and they are now requesting a {$400.00} fee to provide. I do not understand why I need to pay money for the banking records, especially since they are under the 7 year threshold. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to the 5/3 branch in XXXX Florida with a copy of the death certificate and my ID after my aunt passed away. XXXX at the branch didnt know what he was doing and brought in the branch manager, XXXX XXXX He also didnt know how to have the account pay out. He contacted home office and it took a very long time. So long that I couldnt wait for more hours and I had to leave. XXXX called me to let m know they finally figured it out and I could pick up the checks. My wife went by and XXXX was there and he wouldnt give the checks to her. He stated he would have them mailed the next day. I called the next day to get tracking and he didnt mail them. He didnt package them to be mailed either and unsure how they are getting the funds out to me and the other beneficiaries. These are bank checks so it is very important they are sent secure. They arent telling me if they are taking that liability if the funds are lost. I also have no idea how much the checks are for and if it the correct amount or not. I contacted thier home office customer service department and they are going to investigate it, but that means they will direct attention to the local branch. This branch also didnt know how to setup an estate or trust account either and I need to go to a different bank to set those accounts up. It is a newer branch but they are really uneducated. They were asking for my aunts will, which isnt needed as accounts with beneficiaries do not pass through probate thus no need to look at the will.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: WA

Complaint narrative:
I had a credit card payment due in XXXX, I went online and made a payment and several days later I checked the credit card account and it said the payment had been canceled. So I tried making another payment, and the same thing happened, my account said the payment was canceled, I called the credit card company and spoke to a representative and she said it was probably a problem with my bank so I called my bank and they said they had no evidence of any payments made to that credit card company. Trying to clear my account. Now they are charging me a late fee and its showing up on my credit report as being late, I spoke to a representative at the credit card company yesterday and she said she would give my complaint to their accounts department and I would get an email and I received an email stating that my request to have the late payment fee removed was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Delete inaccurate information from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
To whom it may concern, an update to my Consumer Report was made as of XXXX XXXX XXXX. This update is still showing multiple inaccuracies including the remark Consumer disputes this account 180 Days past due. The official date that I discovered this violation is XX/XX/XXXX when I made my first complaint to the CFPB about this account Complaint ID : XXXX. In pursuant to 12 U.S.C. 5564 ( g ). [ 6 ] ( Except as otherwise permitted by law or equity, no action may be brought under [ the Consumer Financial Protection Act ] more than 3 years after the date of discovery of the violation to which an action relates. Also, in pursuant to 15 U.S.C 1679i ( Statue of limitations ) - Any action to enforce any liability under this subchapter may be brought before the later of ( 1 ) the end of the 5-year period beginning on the date of the occurrence of the violation involved; or ( 2 ) in any case in which any credit repair organization has materially and willfully misrepresented any information which ( A ) the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer ; and ( B ) is material to the establishment of the credit repair organizations liability to the consumer under this subchapter, the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief