vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
End of XXXX, i discover that someone did a lot of withdraw totally XXXX in my Citibank account that dont have debit card and never had in XXXX  years a debit like those. This bank account wasnt used. We only had sent money to another account to pay bills. This was an account that we keep more amount of money and nobody has acess only I. 
Then they immediately refund the money and we block that account. And we move all amount to another citibank account that has debits for online commerce and everything. That is the account that occur the payments and everything. Then on XXXX XXXX citibank withdraw XXXX and move into compromissed account and paid those debits. 
I call yesterday XXXX hours and nothing. Today i opened XXXX claim and they told me that they wont refund because my case was not favorable and because this they withdraw the money without any consent. They never sent me a message. I dont know how they could withdraw from this account because i never did on XXXX  years. I dont have any relationship with the companies that make debits there. I fill out a police report also that number is XXXX. Now i had customer that deposit XXXX in this citibank account and citibank dont send me this money back also. I urge need help to solve this. Its my name, its my company 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 2022-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: MT

Complaint narrative:
Calls at least XXXX a day from all different numbers. This amount was written off by the original creditor and purchased by Spring Oaks Capital LLC. Will not stop calling even after I've asked multiple times for them to stop. They are now also sending emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: AL

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

XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX Credit : XXXX, XXXX XXXXXXXX XXXX : XXXX, 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 explanation
Consumer complaint received 2022-09-27 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I have a inquiry on my credit report from JPMCB Card in XX/XX/2021. I did not apply for a credit card and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has been withdrawing checks meant for someone else 's account from my account. This issue has been pointed out to them, and Chase admitted that it was their mistake for withdrawing from the wrong account, but has not refunded my money. This has happened at least two times. Since this has happened several times, I believe that Chase is intentionally doing this to steal my money. 
On XX/XX/2022, an incorrect check # XXXX was withdrawn from my account for {$160000.00}. On XX/XX/2022, another incorrect check # XXXX, bearing the same Pay To name and signature, was withdrawn for {$18000.00}. Upon contacting Chase Bank, they said that the checks were withdrawn from the wrong account and provided a refund on XX/XX/2022 for {$18000.00}. However, to this day, they have not refunded check # XXXX for {$160000.00}. I did not notice the first check had not been refunded as well until XXXX, when I was checking over my old transactions. Chase has continuously refused to help me, stating that fraud cases must be filed within 30 days and it has been over 30 days since the transaction took place. However, this is not a fraud case. This is Chase Bank 's mistake. They have already previously acknowledged that the matter was their fault. Therefore, the 30 days clause should not apply. I have included pictures of the incorrect checks, along with pictures of the correct checks bearing the same check number ( which should not be possible ), that were withdrawn from my account. I have also included a screenshot of the check that was refunded as proof that Chase acknowledged it was their mistake that led to the incorrect withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for Transunion, NO REPORTING for XXXX, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail. 

XXXX XXXXXXXX : Account number : XXXX, XXXX reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for Transunion, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail.

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 2022-09-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022, I filled out a credit application with capital one auto and was approved for the price of the vehicle of {$28000.00} and the dealership stated they asked for down payment of {$2500.00} which was after the applied for credit. Capital one gave me approved credit for my vehicle and I am now requesting to rescind my down payment. Per your consumer law cash can not be included in a credit transaction. I am not sure if I selected the proper steps for this complaint. I was not expecting to give a down payment. If there is nothing that can be done. I understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Today, XX/XX/XXXX, a party attempted to withdraw ~ {$37000.00} from my checking account. The transaction failed because I don't have that much money in my account. 

I call Chase Bank and they indicated a party was attempting to withdraw these funds and I need to call them. I have no idea who this party is, but the bank has effectively locked up my account. I have XXXX children with varying degrees of special needs which requires me to make payments on their behalf and the bank basically told me to go " XXXX myself ''. 

There was no due process ; no notification, just someone trying to empty my bank account and the bank letting them. They indicated there was a " legal notice '' and I asked for the details and a copy of any documentation, and they refused, and gave me a phone number to call. 

How can this happen? My children 's lives are at risk. You realize when you did not break up the banks back in XXXX you only emboldened them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Myself ( XXXX XXXX ) and my partner ( XXXX XXXX, a family member of the owner ) purchased this property during the redemption period. We paid the payoff price that was provided by Mr. Cooper to keep the property from going into foreclosure. Once paid off we called in to confirm that all funds has been received and this was when the issues started. XXXX was told that there were additional funds needed to pay off the property. The initial payoff funds were wired to Mr. Cooper on XX/XX/XXXX. We were informed on Monday XXXX that they needed the additional funds because of the new month. I do not understand why the funds were not added by XXXX on XX/XX/XXXX, their system showed the funds had been received on XX/XX/XXXX. I do not think this was fair. Next, we call to confirm that the loan had been paid off on XXXX and was told that it had been transferred to XXXX finance. Again, do to understand why a loan that was paid off had been transferred. No one could answer that question. Now XXXX XXXX is telling us that additional funds may be needed. At this point, they ( XXXX ) will not talk to us until they approve the XXXX XXXX authorization that they received on XX/XX/XXXX. We were told it would take XXXX days to process and it has been longer than that. The initial owner XXXX and XXXX XXXX are an elderly couple and they have been stressed out not knowing what is going on with the property that they thought they had sold. 

I do not understand how both banks can have internal policies that they do not follow and give us the runaround. If you listen to the multiple calls that we have made you will hear that different reps are giving us different information. XXXX even acknowledges there is a problem with closing out paid-off loans. This needs to be escalated to the proper individuals and escalated. We are looking to see if there are other actions we can take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CA

Complaint narrative:
XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, NO REPORTING for XXXX, and XX/XX/XXXX for Equifax. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail. 

XXXX XXXXXXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CA

Complaint narrative:
XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, NO REPORTING for Experian, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail. 

XXXX  XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, XX/XX/XXXX for Experian, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail.

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 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
A fuller explanation will be attached. In short, PHH Mortgage has denied our request that Private Mortgage Insurance ( PMI ) be removed from our mortgage. We appealed. They denied it again, stating that we do not meet their required Loan to Value requirement to remove the PMI. The appraisal they required as part of their process is incorrect, but they will not allow me to speak with anyone who will listen and understand the issue. We keep getting told that someone who makes these decisions will contact us to discuss this matter. No one EVER has called. Instead, we get an email that tells us they are reviewing the file ... and then they deny the request. The conversation never happens. Problem is they are completely ignoring the existence of and value of a second parcel of land that is financed by this mortgage we have on this property. The also ignore the existence and value of a significant sized outbuilding on property. They also ignore the estimated current market value of our property that they have posted on their own website. They also ignore what other reputable RE current market valuations say our property is worth. Lastly, the comparitor properties their appraisal used are not current, and are nowhere near the size of home or property as ours is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The date that I sent the money to the scammer : XX/XX/XXXX Amount of money sent : {$2500.00} What happened : I got scammed through XXXX and mobile check deposit from the Bank of America XXXX. There was this guy appearing to be a recruiter for XXXX and he sent the part-time recruitment information to my school email address, with a weekly wage of {$500.00}. I was too careless to notice it was a phishing attempt ( because it was sent to my school email address, and the sender 's email address has the domain .edu so I thought it was legit ), so I replied by stating that I was interested in getting the part-time job. I did what I was told for my first task, which was to deposit a check using my bank app to transfer the money to the email address of the organization he is supporting through XXXX. He said the money will be received by the charity organization to purchase things for children, and I believed that! For the details, first I was told to send the money to XXXX, but it didn't go through, so he told me to send it to XXXX and it went through. He then told me to send him the screenshots of the confirmation of payment to another email address. I actually didn't know how the check works, because after I deposited the check into my account, I saw the fund was available in my bank account the next day and I thought the check was approved. But it turned out that the bank had to verify the check for a couple of days after that, and because it was a fake check, my money was deducted from my account. Until that time did I realize I was scammed. 

Action that I took : I went to the nearest Bank of America branch at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, on XX/XX/XXXX, to report and ask if there would be any solution for this, such as a refund for a scam. But they refused to refund, saying it was me being careless that I transferred the money on my own, so they can not do anything about it.

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 2022-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
I opened this loan on XXXX XXXX they since XXXX XXXX they are not allowing me to pay the loan off with early payoff ... .Since Fridaay XX/XX/22 I have been attempting to obtain my vehicle 's title that, but Automoney is refusing to accept my payoff for the amount they informed me was {$800.00} on XX/XX/22. Since XX/XX/22 I attempted to make a debit transaction from which a secretary at the XXXX  XXXX XXXX location, rudely hung up on me, while I was attempting to get information pertaining to the huge gap from what I was told compared to the amount my 1 month old loan was. The have charged my loan {$250.00} more than what I was told it would be and I waanted to receive answers but all I have been able to receive were rebuttals in the form of hanging up on me, to not answering the phone nor taking my payoff causing me to prolong getting my title causing a later and higher payment and not allowing me to make a payment is a violation because they would then state that the payment is late or try to take repo my vehicle when they are not allowing me to pay the title off. These people have avoided me paying off this 1 month old title loan when I have contacted their corporate and their district manager whom corparte had call me shortly after that corporate was to have a male distric mangager call me but he never called and sent a message through a XXXX employee at number XXXX that I need to stop calling them, thats when i got upset, but I said they are problaby in violation from that issue so let me write them through this channel yet their practices are nothing like the docuemnt states they are charging more thatn what they signing paaper states and I should not be made pay additional daily fees when I am have an early payoff but they wont even allow me to pay it off i have called 5 stores including corporate and my assumption is they are preventing me from paying it off early and dont want me to pay it off through my debit card which makes me think why are they trying to cause me to add more money to a loan i have paid {$150.00} dollars for a {$710.00} loan yet i still owe {$790.00} with this early payout that is not right and they are refusing me to pay it off i shouldnt have to pay anything since they are violating not allowing me to pay then they will make look as if i paid late, but this is a early payoff please looking into all the codes they are violating..and showing no sign of a early pay off.

Company response to consumer: Closed with explanation