vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime /XXXX XXXX closed my checking account suddenly without notice with a balance of {$5700.00} which they did not reimburse to me. Below is their email of XXXX XXXX  I called them immediately and ask for my money. They said they would send me my funds in 30 days. They lied. I have not received my money. 



Chime Member Services <XXXX> To : XXXX XXXX Fri, XX/XX/XXXX at XXXXXXXX XXXX Chime Hi XXXX, Thanks for reaching out to Chime Member Services. My name is XXXX and I'm more than glad to assist you. I hope you are having a wonderful day! 

Let me help you with that : Spending Balance : {$5700.00} Savings Balance : {$0.00} Youll be able to check your current balance on the home screen of the Chime app. And you can also set up daily balance notifications by going to your Settings, scrolling to Notifications, and turning on Balance Alerts.

Please let me know if you have any other questions about your Spending Account. 

Thanks, XXXX | Chime Member Services Below is another email from Chime : hime Member Services <XXXX> To : XXXX XXXX Thu, XX/XX/XXXX at XXXX XXXX Chime Hi XXXX, Our issuer, The XXXX XXXX provides banking services to many other companies like Chime. They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure. 

Direct deposits, ACH debits, and recurring debit card payments may be rejected after your account closure date, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : //www.chime.com/policies/ Kind Regards, XXXX | Chime Support

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I wrote a check to my land lord for the month of XXXX XXXX XXXX for {$570.00} and it was cashed. It was not cashed by my land lord but by a Construction Company illegally. 
I had to write XXXX to replace XXXX for {$570.00} to my land lord and it was cashed correctly ; by my land lord. *At the same time this was happening in the month of XXXX, my land lord was calling looking for XXXX rent, I had already issued out my rent check for the month of XXXX, which was XXXX for {$570.00}. At that time he indicated that my rent was being raised to {$600.00} a month because of this. I supplied the cashed check showing it was cashed illegally by the Construction Company. Didn't matter so I had to issue XXXX for {$600.00} for the month of XXXX. On XXXX/XXXX/21 a deposit was issued into my acct. for {$570.00} and XXXX/XXXX/21 for {$570.00}. On XXXX/XXXX/21 {$570.00} was removed from my account as a debit by PNC. Now I am being told that my land lord has the extra {$570.00} that I am owed and I can't get something in writing explaining what happened. My land lord believes he has no extra money and expects XXXX rent. Today 's explanation was that even though the Construction Co cashed the check it still came out of my account. The {$570.00} that was removed XX/XX/21 is my actual money. 1. this should of never impacted my account in the first place. 2. I want an detailed explanation for my records & to supply my land lord who will try to evict me over this. 3. I'm not sure how I'm chasing down my money 4. they shouldn't be able to go into accounts pulling money without issuing something in writing regardless, especially when it was their errors in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24 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: TX

Complaint narrative:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60  days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Called today XX/XX/24 to tell them the covid 19 recovery modification documents did not explain why the partial claim is 44, 000 when our past due currently is 33,000.00 from covid 19 forbearance and the agent tried to say that that was with not including addtl taxes and interest which is wrong, my mortgage statement show the 33000.00 includes taxes and interest and principle. They want me to sign a loan modification with no explanation on why my partial claim is more than my past due, please help ( this is 2nd complaint here, first one no one responded, XXXX XXXX XXXX XXXX, XXXX, Mi 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 explanation
Consumer complaint received 2021-11-24 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: CA

Complaint narrative:
I have had issues with identity theft and filed a FTC report, police report and all required identification documents to have the incorrect information removed from my credit report. XXXX and XXXX are reporting correctly. Experian is the only company reporting an account for XXXX XXXX XXXX XXXX Account Number : XXXX. XXXX has removed the incorrect information. Experian is has not removed the fraudulent account. I have written letters and spoke with them over the phone but they do not follow proper FCRA procedures and are not removing the account. They claim they have verified the information but have not provided any proof. This is a gross violation of the FCRA.

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 2021-11-24 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I don't know who can fix this, I have followed all the necessary steps and until today I have no answer.

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 2021-11-24 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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: SD

Complaint narrative:
On XX/XX/XXXXXXXX, BB & T and SunTrust announced that they would be merging ( see attachment XXXX ). Around XXXX of XXXX  Truist effected that merger by combining its BB & T website and Suntrust website into a single Truist website. Almost immediately, Truist customers had difficulties logging into their accounts ( see attachments 2 and 3 ). 

That's where I come in. I don't use my Truist credit card much anymore, so I was unaware that an old subscription ( some Mac-cleaning software ) charged my credit card for a yearly subscription. Because of the technological problems, I could not log in to my account and was unaware of the charge. I received no emails to any active email, and no letters. I did receive a call from BB & T, but the line immediately went dead after answering it. I called Truist to investigate, but was placed on hold for hours and was repeatedly hung up on. See attachment 4 for proof of the one ( of many ) times I called, only to be out on hold for hours. I was diligent in trying to resolve the issue, but Truist 's malfunctioning software and poor customer service made checking my statements impossible. 

Fast forward to XX/XX/XXXX. I receive notice from a credit reporting agency that my credit score has dropped roughly 70 points due to a payment that is 30 days overdue. I again attempted to contact Truist, again to no avail. After several hours with more tech-savvy friends, I was able to access my account ( via app -- the website still would not let me in ). I paid off the account, and contacted Truist to see if they would correct the issue with the credit reporting agency. After over 3 hours on hold, and several dropped calls, I was informed that they would not. 

The harm to my credit score has caused me injury in fact. I plan to buy a home this year, and Truist 's negligence may be the proximate cause of me being denied for a mortgage or paying a higher interest rate. I plan to pursue this matter in the courts once damages accrue, assuming that Truist does not remedy it. 

I was diligent in contacting Truist, but was unable to perform the simplest of tasks because of their oversights in the merger. My spotless history of payments, over 8+ years, is now ruined. I hope potential customers read this and know to avoid Truist until they ( 1 ) fix their software and ( 2 ) remedy the harms to credit to loyal customers like myself.

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 2021-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Hello, On XX/XX/2021 I decided to purchase a camera lens from XXXX. I decided to use my Apple Card ( Globman Sachs Bank USA ) for that purchase. I contacted the customer service via text message and asked the agent a simple question : Me : If I purchase with XXXX, can I still get the zero interest rates using my apple card?

The Agent : When you purchase with your Apple Card, it WILL NOT charge you interest whatsoever. 
Me : So ZERO interest? 
Agent : Absolutely! You are right.

Then I received my next month 's statement, and it showed an Interest amount on it. I called to find out why is that happening to my account. They reviewed the text messages at their end. They apologized for the wrong information, and they waived the interest rate for that month and promised me to fix the issue, and they asked me to call every month and ask for the interest waive since it was their mistake MISLEADING their customer. I called the next month, and I was surprised that they wouldn't do anything about it. They promised me to take it to the next level, but they did nothing about it. 
I called them repeatedly and just tried to get fair treatment since they gave the wrong information at the beginning but NO HOPE. They are charging me every month, and I had to change my payment plan and cut many things to satisfy their payments. They promised me to reach out with a different solution, but they did not. 
All I am asking now is to get fair treatment for the Misleading and Wrong information they provided me and not helping me get it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
TIAA Bank has refused to completely reimburse me for an error they made. In XX/XX/XXXX I called the bank to ask a question. My question was does TIAA Bank allow borrowing for a mortgage against a CD held in the bank. After a talk with the agent on the phone I concluded that TIAA does not do this. Later after I found a charge for early withdrawal from a CD on my XXXX tax statement, I called and was told that {$10000.00} had been taken from my CD at TIAA Bank which was paying 2.08 % interest in XX/XX/XXXX. TIAA Bank looked into the situation and told me on the phone that using their records they could not determine who authorized removing the {$10000.00}. I knew it was not me. They did reimburse the tax penalty. I asked for reimbursement of all lost interest after the bank could not put the money back into the CD. TIAA declined to reimburse any lost interest. I then complained to Consumer Financial Protection Bureau. At that point the bank reimbursed me for lost interest from XX/XX/XXXX until XX/XX/XXXX. ( The CD did not mature until XX/XX/XXXX. ) At that time ( XX/XX/XXXX ) TIAA wrote that I asked about early withdrawal from a CD on my XX/XX/XXXX phone call. I do not remember this at all. My question was can I borrow for a mortgage against a CD. TIAA told me on the phone on XX/XX/XXXX that their agent whom I spoke with about borrowing against a CD had no training on what I was asking. Because she knew nothing about this means of borrowing, her interpretation of the conversation was that I wanted to withdraw money from a CD. The agent did not tell me that she was doing this, but during the conversation she did the withdrawal of {$10000.00} from a CD as a test case. I was blindsided by this. My call was just to ask a question about bank policy. In addition, TIAA stated that at the end of the call she should have put the test withdrawal of the funds back into my account. She did not. I never suspected that the withdrawal of funds happened because my reason for the call had nothing to do with an early withdrawal. I understood why the bank was not willing to reimburse lost interest from XX/XX/XXXX through the CD 's maturity on XX/XX/XXXX while the CD was still in effect. I called and asked for reimbursement of the the remaining lost interest on XX/XX/XXXX. TIAA called back on XX/XX/XXXX to say that they denied my request. I want the interest from XX/XX/XXXX until the CD matured on XX/XX/XXXX to be returned. It is only fair that TIAA should reimburse all lost interest on a mistake which was entirely their fault and done without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I had no knowledge of this account until it hit my credit report. I never signed up for a XXXX account. I have never received a bill from XXXX. 

I tried to call XXXX about this but they transferred me to a third-party debt collector ( Convergent  ). When I provided the customer service rep at Convergent with my name, she said she couldn't find any account under that name.

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 2021-11-24 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: Westlake Services, LLC
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any updates at all.

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 2021-11-24 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any updates at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have had six contacts with US Bank XXXX XXXX credit cards to have my correct address match the address on convenience checks. I called my insurance agent for my car, affiliated with this company, He was unable to correct it nor, the party he recommended. This company refuses to read your address back after you have given it to them to make sure it is correct. My only solution is to refuse their mail ; however, they use standard ( cheap ) bulk mailing, so it is not sent back to the vendor. It is thrown in the local garbage.

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These accounts must be DELETED. Experian has NOT send ANY PROOF OF VERIFICATION or ORIGINAL DOCUMENTS with SIGNATURE OR ORIGINAL CONTRACT of these accounts. Experian is violating my consumer rights by reporting false information on my credit report. 
These accounts below must be deleted. 

XXXX ) .XXXX XXXX  XXXX Account XXXX XXXX Balance : {$1900.00} ( This account is reporting for more than 10 years ) Must be deleted XXXX ) .XXXXl XXXX auto XXXX Account XXXX Balance : {$9100.00} ( This account is reporting for more than 10 years ) Must be deleted These XXXX accounts listed above Must be DELETED. Experian is reporting these accounts for almost 10 years now on my credit report. I have sent multiple documents in mail to Experian showing that these XXXX companies DO NOT HAVE ANY ACCOUNTS on file with my name on it or any documents with my signature on it. Experian must Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years now. By LAW, the credit bureaus are only allowed to list negative items for a certain amount of time. These accounts MUST BE DELETED NOW.

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 2021-11-24 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: FL

Complaint narrative:
in multiple occasion i submit a dispute with the credit bureau they did not resolve my complaint i was victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
This is concerning Citibank. We've had a credit card with them for years, they were fine. Recently we got an offer from them to open a checking account. If we were to put {$50000.00} in for XXXXdays, they would give a {$700.00} at the end of that period. 

On XX/XX/21 I opened account. I funded it on XX/XX/21 with {$50000.00} from a savings account ( XXXX horizon bank ) where the money had been held for years. That sum of money came from selling a house that was inherited when my mother died. We also deposited {$44.00} ( XX/XX/21 ) from another checking account, just to have it be enough over $ 50k, just in case, because the full XXXX had to stay for XXXX days. 

On XX/XX/21, we mobile deposited a check for {$850.00}. This check is payment from the other inherited house, in Texas, which we are owner financing for my mothers former tenants. We have been accepting payment from them for years, and my mother had them as tenants for years longer, and we never had a bad check from them. 
Citibank claims this check is bad, which isn't true, we've spoken to the tenants, they can prove it. Citibank decided to then block the account and say they are closing it, saying they will mail something, but this isnt good enough. 
We don't have a Citibank branch here, they say they would release it at one but it's XXXX hours away. I ca n't drive XXXX hrs each way to find out they are lying. 
They also plan to steal the {$850.00}, because the tenants have not received it back yet. I can not even look at my account they have removed all access to it, as if it doesn't exist. I consider the {$700.00} theft also as we would have earned it had they not tried to rip us off and steal from us. 
We desperately need this resolved fast. We are buying a family home here in XXXX Tennessee, and will be closing on the house in XXXX days. We can't have money tied up, God knows where, hoping they mail it to us and HOPING it actually reaches us since we will be moving to a new residence. 
They need to unlock our account so that we can transfer it back to our previous bank, safely, and leave the account open until it clears. We had {$50000.00} sitting in that account that they have stolen, plus they really owe us the {$700.00} bonus also, but I'm willing to let the bonus offer go, just want MY money back safe and sound.

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