vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I got my tax federal refund amount of XXXX deposit into my cash app account i went ahead and cashed of the whole XXXX to my XXXX account but the daily limit deposit is XXXX i did not know that so my bank rejected the instant deposit now cash app wont give me my money and the same thing happens to me XXXX weeks ago with XXXX dollars and still havnt gotten my money back they said the instant deposit was completed but i told them it was sent back now noone will answer my calls or take my evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: NY

Complaint narrative:
An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through XXXX. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: NY

Complaint narrative:
An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through Experian. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively affecting 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 2023-02-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a XXXX XXXX XXXXXXXX debt with XXXX that a family member has XXXX  + I am only an authorized user. I have let them know the family member is XXXX, and written a cease and desist letter and they continue to harras me and come to my apartments to try and issue a court order for the family member It is beyond harassment- they have come to my knowledge from others 5+ times.

I mailed letter over 2 weeks ago and reported to XXXX and they replied, and yet I found out they came again today. 

They should be legally held responsible to stop harassing people, especially when it is not my debt, and in general, and this debt is over 4 years old so should be written off regardless. 

I. have the cease and desist letter and may share with media and describe their treatment.

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 2023-02-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive recently went over my credit report and I noticed that there are late payments reporting on Experian, XXXX, & XXXX on XXXX XXXX XXXX XXXX Acct # XXXX. Its in clear violation for reporting. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. They are in clear violation

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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I got caught up in a fake at home job scam and mobile deposited a check sent to me by the " company '' and now my bank account is overdrawn {$490.00}, XXXX. I called the bank and all they want to do is close my account, they are treating me and talking to me like I am the one who is scamming them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Im a XXXX for the XXXX XXXX XXXXXXXX, due to covd19, I called Mr.Cooper to get assistance with my monthly payments. Mr.Cooper gave me an extension on the covd19 payment protection plan until XX/XX/23, they also advise me that I will have 3 options to choose from, when I get ready to resume making my payments, which was to reinstate, extend my past due payments to the end of my loan, or apply for mortgage assistance. I called Mr. Cooper around XX/XX/23 to resume making my payments, and they inform me that the option to extend payments to the end of my loan, was stopped by VA without giving me any notification, so they were going to review me for a disaster modification, it took Mr. Cooper 2 months to tell me I was decline for a disaster modification. I immediately called VA on XX/XX/23, and they inform me that VA still offer extending payments to the end of the loan and that Mr. Cooper can offer me a REFUND MODIFICATION, VA inform me that Mr. Cooper does not want to participate in this program to help homeowners. Why would Mr.Cooper lie to consumers about VA not wanting to help homeowners during this pandemic, with their decision not to extend my payments, I have a balance due of {$25000.00}. I would have never ask to pause my payments with Mr.Cooper, if they are not going to honor the XXXX options given to me when I notified the servicer that I was impacted, I was also current on mortgage and have never missed a payment before I went into an agreement to pause my payments. I thought that this program was passed by the Cares Act to help homeowners during this challenging times, and not put consumers in Foreclosure. The last conversation that I had with Mr.Cooper is to submit another application to be reviewed for a traditional modification with documents, which everyone that will not help me, so now my credit has been impacted and I have a {$250000.00} past due mortgage, all because Mr. Cooper lied about me having the option to extend my payments. Please help me, I don't want to loose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Please read attachment. Wells Fargo defraued my fiance and I out of $ XXXX, intentionally delayed our process, misled and misrepresented information about my loan, made gross accounting mistakes about the qualifications of the loan, gave us financial advise ( which we followed ) and later denied us for the very advise they gave us. They fire our Loan Officer who filed a complaint on our behalf against his own Company saying he's never seen a loan file handled so badly by a mortgage company as what happened to us. We were temporarily homeless/living out of XXXX because of the actions by Wells Fargo and they won't have the decency to compensate us for our financial losses. Even though they admitted fault. 

Please see attached letter from my attorney highlighting all the mistakes Wells Fargo made.

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 2023-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had and have had issues with Chase Bank/JP Morgan Weath Management financial advisor for a lengthy time but put up with it. However, last XXXX I emailed the advisor XXXX XXXX that I needed to talk to her being rates have gone up a lot. I asked her to call me the following Friday morning and never got an email or phone call. I sat tight until XXXX when I ironically got a survey via email from JP Morgan from a XXXX XXXX. I did not fill it out favorably, in fact from XXXX, I put down all XXXX 's or XXXX 's. I got a call from his office, not him about it. I told some lady named XXXX XXXX the complete situation going back quite a while. Obvoiusly they do not want to hear negatives, only saying " apologize for that " but not offering any solutions. I emailed that XXXX XXXX voicing again my dissatisfaction with him being his name was on the bottom of the survey asking WHY hasn't he emailed or called to talk about it, instead of having someone I could not understand nor seemed that interested. Again no response. I emailed him again saying how rude he was and uncaring. One person XXXX XXXX called and we talked and seemed nice but he was not at liberty to say why the upper ups would not call. I found out today, Friday my accounts were closed! When I called to find out why, I was told that they do not have to say why. 

Is that what happens in this Country?? I am a XXXXXXXX veteran and explained to a couple people that if you were the person that was not taken care of by a so-called financial advisor, would you not be upset, and even more so when you complain about it that it still does not get you anywhere. 

Is Chase that big that they can walk over you after you been a customer for over 30 years and have several accounts? I take it CHASE/JP Morgan and who ever this XXXX XXXX is only wants to hear good things so they can put 5 stars next to the CHASE name, but if you complain, they/he only ignores it never correcting the problem JUST saying or having someone else say I APOLOGIZE which is useless since the same problem ( s ) continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accscient, LLC
State: GA

Complaint narrative:
My bank where I do business notified me when the underwriter pulled my credit report there was a collection on my credit report for a medical bill for the amount of {$540.00}. They asked me if I was aware of it which I was not. They did not send me a letter. They suggested that I pull my report off of XXXX for review and dispute. To my surprise there it was XX/XX/2023, and a collection was placed on my credit reports with all credit bureaus. I became upset then it was suggested to me to report the agency for bad business practices and deception. They didn't give me the opportunity to investigate the matter. This now explains the people calling all day asking for me then when I say can I help you? They just hang up. On one of my credit reports, there's the threat of having an attorney. I have not given any agency permission to buy or sell my personal information. Today I sent them a letter by mail and faxed it to the address shown on my credit report whenever they receive it for further information. I would like to know more concerning this matter. This has caused me detrimental harm concerning my personal life and business by placing derogatory information on my personal credit report without my written permission. ***I Could not attach a copy of the letter that was sent this evening XX/XX/2023 by fax and another by mail. I'm requesting further VALIDATION information about this company which goes by XXXX different business names ; XXXX XXXX XXXX, Nationwide Recovery Services, and XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Nearly 2 months later Experian STILL has not mailed me my FREE annual requested credit report! Thank you.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax STILL has refused to mail me my FREE annual report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please be advise I need Help Please I have tried numerous times to have remove the items listed bankruptcy items Delete/Removed with no action regarding Fraudulent Bankruptcy items. 

In 2016 I contacted Lawyer XXXX XXXX XXXX, Lawyer for the service. I paid her cash for services she never rendered. I never signed or received any document from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX filed numerous fraudulent XXXX XXXX  and XXXX Bankruptcy without my Authorization. 

There have been claims file against XXXX XXXX XXXX as being unethical and she was suspended as a Lawyer. 
These Bankruptcies are impacting my Credit Score and my opportunity to buy a Home tremendously for the last 7 years and my ability to be approved for credit of any kind. 

I also contacted XXXX XXXX and received a response that ALL of the cases should be removed from my credit report. See enclosed. 
I have reported this to the Consumer Financial Protection Bureau via Complaint and this is also a violation of my rights under the FCRA. 
The US Bankruptcy Courts XXXX XXXX XXXX XXXX, NJ XXXX dose NOT report Bankruptcy to the credit bureaus or to anyone. 
XXXX XXXX XXXX XXXX was unauthorized and filed she numerous fraudulent XXXX XXXX and XXXX Bankruptcy without my Authorization. I will file with the XXXX XXXX XXXX shortly. Please note XXXX as Delete/Removed ALL of the items that are reference here and on my XXXX XXXX report attached. This was FRAUDULENT. HELP HELP PLEASE. I need to get approved for a home for my family to live in, I am XXXX XXXX. 

XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I wanted to pay a pending invoice to my outsourcing vendor in XXXX from my business account at XXXX and given that XXXX outbound money transfer was expensive, I opted to use wise.com for international money transfer and paying the vendor. It was 75 % cheaper. 

I signed up on wise.com on XX/XX/2023, filling in my business details, shareholding, XXXX number, Business Name, DBA, Address, Shareholders name and addresses, DOB, and all personal information they needed in order to process the account. 

Next step was to take picture of my ID and myself live on camera and I did that too. After that step I was asked to connect via XXXX to my business account and I finished that process and then initiated a transfer on XXXX XXXX itself. 

I got a transfer confirmation email with subject " Your transfer # XXXX '' on XX/XX/XXXX itself. I sent a XXXX message to my vendor immediately as under " Just paid XXXX invoice. XXXX XXXX to your ac is showing XX/XX/XXXX Amount is XXXX USD '' I got a message from My vendor last week that they did not get the funds in account and wanted me to follow up. 

I tried to login to wise.com but it showed that my account was deactivated. I got no email, no notice, no documentation request, nothing from Wise on this action. I logged into my chase account and didn't see money withdrawn from my business account. 

I followed up via email to get a written response but have not been provided XXXX with exact reason for deactivating my account. This is a new business, they verified it, then they got my personal Identifiable information and connected to my bank and then they deactivated account without notice or giving any specific reason. 

I need full disclosure please on this. Even if my account gets reactivated, I will need to know why it was deactivated. If others are treated and get their account opened, I feel I am discriminated against without giving any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
They never gave me an application or loan number but they would have it under my SS # XXXX. I applied for a HELOC with US Bank a little over 90 days ago. They ran my credit. I gave them all the documentation they requested. I had a specific representative assigned to me for my contact through the process. Her name was XXXX XXXX. XXXX XXXX XXXX Mortgage Customer Specialist XXXX | XXXX. I was told via email that my credit income were all verified and everything was ready to go. They then sent their Certification of Revokable Trust Form that had numerous questions on it that had to be notarized by myself and my wife as we have revokable trust. I also had sent them the " certification of trust '' document from my trust as well. I am attorney for over 30 years. I understand the questions very clearly on US Bank 's " Certification of trust form. I filled it out four times, had it notarized four times. Three times the review team stated it was filled out " incorrectly. '' On the third time I requested that they point out what was wrong or at least the item number they were looking at. I was told, since this is legal document they can't tell me. I found to small errors on the first two which were inconsequential and not material I have no idea what was wrong on the third or fourth. I reviewed them several times before sending them back. They were property notarized, dated and signed correctly. The problem is every time I submitted the Trust Doc to them it took them ten to 14 days to get back to me that it was " incorrect '' but would not tell me what was incorrect so I could correct the issue, which for the life of me could not see an error. I was just told, ten days later after the fourth attempt the review team says it is still " incorrect. '' but refuse to point out to them what is incorrect. They have now closed their filed denied the loan because it has " timed out '' over 90 days. The delay was caused by their delay, and REFUSAL to simply let me know what was incorrect or what item they were concerned about. Without telling me what they thought was " incorrect '' I can't fix it when everything is correct when I look at it. I gave them every document they asked for. I was approved and the trust document was the ONLY hangup but would not tell me what was " incorrect '' so the application timed 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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: DE

Complaint narrative:
Purse was stolen at a function I attended as a speaker on XXXX XXXXPurse contained 2 phones my wallet ( credit and debit cards, social security card ), some cash and passport. I was one of the last people to leave the event due to cleaning and closing up and only thing I had left were my car keys which on my person. I was not able to purchase another phone right away but did call Chime to file a dispute. There had been cash app money transfers from another account and transactions with Chime as well as a money transfer via XXXX to a party I was not aware of. I tried contacting that person to let them know the device was stolen and the person who sent the money was not me but had no success getting the money sent back. On the XXXX 3 days after filing dispute with Chime on the XXXX of XXXX I got a email stating one of my claims were denied. I contacted Chime to see why and was told they were not able to tell me but would send the denial reason. I also learned on that phone call that the rep I spoke to to file the dispute did so with the incorrect information even though I had given him all the information I had and what happened from beginning to end. I asked to speak to a supervisor and to also rebuttal so they can do a proper investigation. Supervisor on the phone told me that they usually will deny if the merchant was used previously which had nothing to do with this charge being fraudulent. I received a copy of the denial letter which has some discrepancies according to regulation E as well. To this date Chime still has not put in the rebuttal and I was told I am no longer able to but the first rebuttal was never done to begin with.

Company response to consumer: Closed with explanation