vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I received a text that there was a pending XXXX transfer out of my account for {$5000.00}. It asked if I authorized the payment. I responded no via text and received a call that I verified on the internet to be the same as the customer service line for Chase bank. The person knew personal information including bank details and asked me to verify info. They then informed me there was a pending XXXX to XXXX XXXX scheduled for XXXX XXXX EST and they needed to stop it if I did not authorize. They informed me I needed to XXXX the {$5000.00} to myself to block the transaction. There was a profile saved with my picture and phone number in my contacts in XXXX in the Chase Banking app that at the time I did not realize I had not established. They assisted with the transaction and the money left my chase account. I was told it would return after XXXXXXXX XXXX EST. It did not return and I called Chase fraud immediately on XXXX. They informed me they had opened a case and sent to XXXX to investigate but they were not liable and there was little to no chance for recovery. I have called on XXXX and XXXX and received the same message. I have asked to escalate and been told they can not do that and I must wait for a resolution in XXXX days. Chase has claimed they are not responsible for the loss despite the fact that they noted that it went to another Chase account that they would freeze and it was reported as fraud. I have contacted an attorney to initiate a suit against Chase to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have contacted Target and paid me debt that was owed. When i paid i asked for a pay for delete. They agreed and did not removed this charged. This charge is hurting my credit. This account has been paid in full; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/21 Target Redcard debited my account for 2 payments instead of one. When I called them I was told it was a system error that had impacted " alot of people '' and not to worry they would refund the payment. On XX/XX/21 Targets system updated to reflect they returned the payment but nothing showed up at my bank. I called again on XXXX and was told it was in pending, I called my bank on XXXX and XXXX and there is still no return in pending and the money has not been returned. When I called Target on XXXX I was told they could see the refund in pending and it would post by the morning, it did not. After spending an hour on the phone with a manager today all they can do is " file an internal complaint '' and they will get back to me. I have another " internal complaint '' from XX/XX/21 that noone has responded to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: ID

Complaint narrative:
They call multiple times a day after I've asked them to stop. 9 times today alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to Equifax Inc., XXXX XXXX, and XXXX requesting information in which I have yet to receive a response. All are in violation of my rights as a federally protected consumer. I have been taken advantage of due to malpractice while several laws were being broken under the FCRA. This has caused me financial injury, as well as defamation of character. I have not had the ability to attain new employment, apply for credit, nor have I been able to apply for a XXXX loan due to the pandemic. Under this crisis you've hurt my ability to attain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I called today XX/XX/21 cancel recurring draft payments and the representative I spoke with suggested to me that my credit could be damaged. I also provided a verbal cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: IL

Complaint narrative:
Equifax is showing that I have an account that is delinquent. However, this account is current, as payments are being made monthly. When I try to dispute this, the equifax page doesn't even give me the option to dispute this account. When I filed the complaint against the creditor through CFPB, you guys closed the case out since the company replied that it was not them, and that it was equifax mistake, not theirs. So i'm not sure whose fault it is, but you guys closed out the XXXX XXXX XXXX complain with their response so i'm assuming it's equifax mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for the Citi Advantage Platinum Select World Elite Mastercard and was approved on XX/XX/2021. 

In order to receive the XXXX XXXX XXXX miles it was stipulated that you had to charge {$2500.00} in 3 months. 

Its XX/XX/XXXX and I still do not have the card and thus have NO opportunity to begin using it. So I called Citi Group earlier today and was told that the card would be delivered 10-13 business days from approval. I was told the period for the XXXX XXXX miles bonus began on XX/XX/XXXX and ends XX/XX/XXXX. 

So Im calling foul. Nothing in the XXXX & XXXX I pulled from the Citi website indicate when the period begins. Citi can delay the delivery of the card as long as it likes. 

To me this is clearly deceptive and predatory. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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: VA

Complaint narrative:
The following inquiries were unauthorized and I submitted an initial complaint for. With XXXX, I only had three accounts. 

XX/XX/2020 XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX The follow inquiries were unauthorized and is a new complaint. 

XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We sold our home. We signed a contract to buy a new home. Both properties are in escrow. We were supposed to close on the sale of our property on XX/XX/XXXX. A second lien was discovered during the final title search before closing. That issue delayed the closing. The buyer 's title company could not get clear title, so they reached out to our current mortgage holder for information on the Second lien. The current mortgage holder says they know nothing about a second lien on the property they have First lien status on. They sent an inquiry to their research department and found that when they acquired servicing of the property from XXXX XXXX XXXX there was no second lien. XXXX  XXXX XXXX says they transferred everything, XXXX ( XXXX, XXXX XXXX XXXX says they didn't get the notice of a second lien from XXXX XXXX  XXXX. XXXX XXXX XXXX says they acquired the servicing from Ocwen Loan servicing in XX/XX/XXXX and they are not responding. That's where we stand in the middle of it. 

We have already moved out of the house but nowhere to go because we can't afford to pay rent somewhere else and the mortgage on the property we just sold. We had to stay in the house. As XXXX XXXX ( XXXX and XXXX ) we're sleeping on a mattress on the floor in a vacant house. The buyer isn't going to close on the property unless they can get clear title ( understandable ). But we're stuck in the middle. Can't afford legal help. We're on a fixed income. Who can we turn to?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: IL

Complaint narrative:
XXXX. There is a comment related to my XXXX XXXX, it says dispute final and consumer agrees... I never filed a dispute against this card at all. please remove that XXXX. XXXX XXXX XXXX is not a delinquent account. According to their reply to my complaint against them, they gave you the correct information - this account is being paid on monthly

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 2021-12-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
THERE WERE XXXX UNRESOLVED FRAUDULENT CHARGES MADE TO MY CITIBANK ACCOUNT. OVER {$10000.00} IN UNRESOLVED FRAUDULENT WITHDRAWALS THAT WERE MADE TO MY ACCOUNT FROM XXXX TO XXXX OF 2021, NONE OF WHICH I HAD AUTHORIZED. I HAD FILED THE FRAUD REPORT WITH CITIBANK IN XXXX OF 2021. THEY HAVE HAD ONLY RESOLVED XXXX COUNTS LEAVING XXXX UNRESOLVED AND HAVE CLOSED THE CASE. 
I HAVE CONTACTED ALL THE ATTACHED NUMBERS OF THE SOURCES TO FIND THAT ALL OF THE NUMBERS ARE NON WORKING WHICH IS FURTHER EVIDENCE THAT THE WITHDRAWALS AND FRAUDULENT. 

PLEASE SEE DATES, ACOUNTS AND FRAUDULENT VENDORS IN THE ATTACHED DOCUMENT FROM CITI.

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 2021-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: MT

Complaint narrative:
I financed a XXXX XXXX XXXX truck through a dealership, XXXX XXXX, in XXXX Montana. The Dealership, at the time, used US Bank for their financing, so the loan was through US bank. I received a letter from XXXX that I had paid off the vehicle in XXXX. I am attempting to sell the vehicle ( have a buyer since XX/XX/XXXX ). In XX/XX/XXXX, I contacted US bank to ask for a lien release letter since the vehicle title says they have a lien on it. I was told it could take 15 days to process + the time in the mail and it would be mailed to me. US bank website says to inquire if it is not received after 3 weeks. After 3 weeks, when I had not received it, I called customer service and was told by staff that it had been mailed out on XX/XX/XXXX. I have the mail app through US postal service, where I can see a photo of the mail delivered to my address each day. No documents from US Bank have been delivered. After another couple weeks, I called customer service and spoke with " XXXX '' who initially told me there was no record of the loan, but was then able to locate it. She says she spoke with her supervisor who noted that I was " just at the beginning of the period when I might be receiving it ''. She also told me that because of the amount of the time that had passed, she was sending a second copy and " putting a rush on it ''. Today ( 18 days after the last contact ) I again called customer service. I spoke with an agent, who then transferred me to her supervisor, after first telling me that her supervisor " wouldn't be able to do anything about it either ''. The supervisor was unable to tell me the location of the document supposedly mailed on the XXXXXXXX of XXXX because there was no way to track it. She said there is no way to provide an e-mail copy of the letter, which is all XXXX requests to for the title. She said she assumes they sent me a letter previously and either it was lost in the mail or I lost it. She said there is no way to track whether or not one was sent in XXXX. So, apparently 2 of the loan satisfaction letters have been lost in the mail sinde XXXX? She said I must start the process all over, and it will be XX/XX/XXXX ( date provided by bank ) before I can call to receive a tracking number, since I provided my personal XXXX account number for tracking purposes. I am XXXX XXXX XXXX and retired. I have already purchased another vehicle. Not being able to complete the sale of this vehicle because I can't get a payoff letter from US bank has created a financial hardship. Once I paid off the loan, no one at US bank seems to be accountable for satisfying their end of the deal, so I can get a clear title.

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 2021-12-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I wrote to Equifax last month because they were not reporting several of my open accounts on that report and it was causing my score to be very low with Equifax at XXXX and my XXXX score is XXXX due to them reporting all of my accounts. After sending that letter the creditors ended up closing XXXX of my accounts causing my scores to further drop and not adding any of the accounts I asked them to add to my report. This is really affecting my credit tremendously and I am in the middle of buying a home and this is stopping that from happening. I am not sure why they did this to my credit my letters explains that I just wanted these accounts added to my credit not closed. Please help. Below is a list of the accounts not reporting on my EQ report Open CCs : XXXX XXXX  ( ) ( $ XXXX {$25000.00} XXXX XXXX ( ) ( $ XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX {$1000.00} TXXXX XXXX  ( XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  ( $ XXXX ) XXXX XXXX ( ) ( $ XXXX {$5000.00} XXXX XXXX XXXX XXXXXXXX ( ) ( $ XXXX XXXX  ( ) ( XXXX XXXX/1000 XXXX XXXXXXXX XXXX  XXXX ( ) ( $ XXXX ) Other Open Accts XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This account with XXXX XXXXXXXX bank has been paid as what was agreed on XX/XX/2021. I asked for a pay to delete when i paid this account as agreed. This account has been paid in full; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2021, XXXX, XXXX XXXX XXXX, XXXX. I request that XXXX XXXX XXXX, XXXX cease and desist all communication with me. XXXX XXXX  is mailing me document that I DID NOT REQUEST. I have attached the documents. I have not file for identity theft/fraud. I AM NOT PAYING XXXX XXXX. I did not agree to pay them verbally or in WRITTEN. I have not signed a contract with XXXX XXXX to pay the {$680.00}. XXXX XXXX can not provide proof that I signed and agreed to pay them for a debt. XXXX XXXX is reporting incorrect or inaccurate information on my Transunion and XXXX credit report. THE COLLECTION ACCOUNT is REPORTING AS A " OPEN ACCOUNT ''. A COLLECTION ACCOUNT SHOULD NEVER REPORT AS A " OPEN ACCOUNT ''. THE BALANCE SHOULD BE ZERO. My credit reports say {$680.00} dollars. Which is inaccurate because XXXX XXXX is asking for {$680.00}. A COLLECTION ACOOUNT SHOULD NOT HAVE AN AMOUNT EITHER. XXXX XXXX  IS NOT FOLLOW THE LAW of 15 U.S code 1692. I am KEEPING and COPYING ALL MAILED DOCUMENTS XXXX XXXX  MAILS TO KEEP ME for the CFPB.

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 2021-12-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RMS-Recovery Management Services, Inc.
State: AZ

Complaint narrative:
I received this attachment notice of owing fees in the amount of {$5900.00} to XXXX XXXXXXXX University. I discussed with a rep from XXXX over a year ago this with a veteran liaison this debt is false reporting collections. Now this has resurface under a recovery management service. I am a XXXX veteran and my school loans and debt has been approved and removed under the Permanent Disability Discharge Act as of XX/XX/2021. I have not received any services from XXXX and have reported this several times. During the time I was requesting services I never received any items in time of need for courses and reached out and no one responded in a timely manner.

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 2021-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
WELLS FARGO BANK Fraud Case XXXX On Tuesday, XX/XX/2021 I became a victim of wire transfer fraud when I responded to an email that appeared to be from XXXX XXXX XXXX of XXXX XXXX. 

My wife and I are in the process of purchasing a home in XXXX, Washington and the wire transfer was intended for the down payment and closing funds for this purchase. 

A wire transfer in the amount of {$33000.00} was sent to Wells Fargo Bank on XX/XX/2021. The account was allegedly in the name of XXXX XXXX XXXX of XXXX XXXX and was sent from my bank account with XXXX Bank. 

On the same day the wire transfer was sent to Wells Fargo I learned I had been spoofed by a fraudulent email request and a wire recall request was placed by my bank to Wells Fargo. 

Wells Fargo Bank requested a Letter of Indemnity from XXXX Bank in response to the wire transfer recall. 

After filing a complaint with CFPB due to XXXX Banks lack of timely action and follow through on this matter, XXXX Bank responded to Wells Fargo Banks request on Tuesday, XX/XX/2021. 

The Wells Fargo Bank fraud department has confirmed their wire department is in receipt of the paperwork from XXXX Bank. The paperwork is under review by Wells Fargo Bank. 

Wells Fargo Bank has acknowledged they are holding the wire transfer funds pending response from XXXX Bank. 

During the course of communications with XXXX Bank and Wells Fargo Bank, all parties were made aware of the time sensitive nature of the matter and that prompt action was needed to not only ensure return of the wire transfer funds, but to also prevent losing our ability to purchase the home of our dreams and suffering additional financial loss by losing our earnest money deposit. 

I am submitting this in hopes of expediting the process of getting my wire transfer funds promptly returned so that I may finalize the purchase of our new home.

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 2021-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation