vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Last year Citi changed to a new system to handle external account transfers from their savings accounts to their customers local bank. My local bank, which was previously listed as an external account, was not able to be added. As such I am unable to transfer funds to my local bank with this system. I was told that this is a known problem that was occurring with some accounts. I have worked with their tech support for months trying to correct this but they have not been able to fix the problem. I can do a wire transfer but there are fees to do this. I am supposed to be able to transfer up to {$20000.00} monthly with no fees. Today, after working with their tech support and making no progress, I requested that they close my account, transfer the funds to my local bank checking account and cover any related fees. I was transferred to another individual who never picked up the call.

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 2023-01-03 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. AMEX inquiry dated XXXX .Please remove these inaccurate inquiries off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
XXXX  mortgage statement with amount due that was different from the original loan amount due. Called the mortgage company concerning the different amount. Transfered to a loan consultant only to be placed on hold after waiting for XXXX from the first time this happened after each inquiry following the monthly billing cycle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I previously had an account with Fifth Third Bank and account we overdrawn for too long and they closed my account back in XXXX and they sent me charge off paperwork XXXX to file with my taxes in XXXX and I filed it and I was told things would be clear and I could re open an account with them and any negative reporting information would be removed and it is XXXX and I still am unable to get an account with them and negative information as overdraft and fraud is reporting which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valor Intelligent Processing, LLC
State: MI

Complaint narrative:
I received a bill that was entirely too much, the boxes was returned back at this point they should have deducted XXXX dollars off of my bill which they did not do. There is no way at this time. the bill should still be XXXX. If the bill was over XXXX dollars they shut the service off so explain to me why the bill is still high although all the boxes were returned.Please notify me A S A P about this matter any further questions please feel free to call XXXX Sighned XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMorgan Chase continually defaults my banking statement settings to paperless. I have reset the settings to receive a paper statement on multiple occasions, but to no avail. I have not received ANY statements for any of my savings or checking accounts at JPMorgan Chase for several months now. I have escalated this matter with the bank. I would like your assistance in looking into this matter. My not receiving a paper statement, despite my request to continue to have them mail them to me on a monthly basis, is impacting my ability to monitor my finances and to make informed decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased concert tickets through XXXX, total cost {$XXXX}. Due to the pandemic, the concert was postponed several times. I purchased the tickets with my Wells Fargo debit card. 

In XXXX of XXXX, some hackers compromised that Wells Fargo checking account, and the bank made me close that account and open a new one. 

On XX/XX/XXXX, XXXX notified me that the concert had been cancelled. They said refunds would issue shortly. When the refund was not issued within the promised timeframe, I contacted XXXX and they claimed that they issued the refund on XX/XX/XXXX, returning the funds to the account I had used to purchase the tickets. That is impossible, as that account had been closed about a year earlier. I asked if they could issue a refund to my current checking account ( which XXXX currently has on file as my primary checking account ) and they say they can not. 

I contacted Wells Fargo, filing a formal complaint, and they said they can not help, and that I have to go through XXXX. An obvious XXXX and no one is taking responsibility. 

I am entitled to this refund for the cancelled concert, and it is not my fault that XXXX and Wells Fargo can not work it out between them. 

Thank you for your time and attention.

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 2023-01-03 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did it provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any of the previous transactions by me the consumer. 
Account name -XXXX Date of INQUIRY XXXX Actions taken- identify theft report filed, multiple disputes filed with both lender and credit bureaus. I am requesting under the law that this account be removed and blocked from my consumer report four business days from the reception of this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ascension Point Recovery Services, LLC
State: VA

Complaint narrative:
This complaint is in regard to a collection letter mailed by AscensionPoint Recovery Services , LLC to collect a debt owed by my deceased mother, XXXX XXXX XXXX. XXXX of my mother 's creditors used AscensionPoint Recovery Services , LLC to collect outstanding account balances. As the XXXX of the estate, I wrote letters to the creditors to the best of my ability to inform them of the XXXX. I provided a XXXX  certificate for documentation purposes. Before I was able to settle the outstanding balances, AscensionPoint Recovery Services , LLC sent a letter to the Estate of XXXX XXXX. Sheets to an address that is not related to any of her accounts in any way. The letter was requesting information regarding the XXXX  of the estate. I am filing this complaint because I do not understand why AscensionPoint Recovery Services , LLC felt that it was necessary to send a collections advice to a random address. I believe that this predatory collection agency searched for the same last name in the same city, state, zip code as a XXXX  expedition. This is very offensive to my mother 's XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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: IL

Complaint narrative:
These people are Defamation of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others. I WAS NEVER 60 OR 90 DAYS LATE ON MY XXXX XXXX. HERE IS PROOF FROM XXXX SHOWING I PAID. UPDATE TO " PAID AS AGREED '' NEVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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:
XXXX XXXX XXXX furnished information on my credit file with extortionate means to collect an alleged debt that was for family personal and household purposes the social security card used to extend credit belongs to the social security administration therefore the alleged obligation is the United States according to 18 U.S.C 8 secondly XXXX XXXX XXXX is in violation of 15 U.S.C 1605 ( a ) the use of the credit extended was an uninformed decision XXXX XXXX XXXX did not disclose the finance charge was the sun of all charges and that the finance charge does not include charges of a type payable in a comparable cash transaction full disclosure was not given and the finance charge was not clear and conspicuous therefore the agreement is null and void FTC affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH MORTGAGE COMPANY MY Father died with a Reverse Mortgage ( PHH Mortgage Company ) on the home.. We requested a payoff in XXXX the pay off was XXXX We sold the loan in XX/XX/2022 and the payoff is now XXXX. The statement says Corporate Advance of XXXX. I would like to forward the document for review. My name is XXXX XXXX XXXX, my father is the late XXXX XXXX. My email address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have linked the previous response the company XXXX XXXXXXXX XXXX XXXX said in the last CFPB complaint for reference which I find unsuitable. The company stated I was willing to pay them for a debt i have no knowledge of and ill and wrongfully stating to have sent me proof of validation on XX/XX/22 when that is false they have not sent me proof of ( proper ) validation regards to the FDCPA, XXXX and the FCRA including a breakdown of all fees including all collection as well as medical charges. To claim i owe them and not provide proof of the listed validation, contract they claim to have with my signature of agreement to pay them ( they claim ) is absurd. They will not be receiving any funds from me till their claims are proved to be correct. They don't even have my real address which is also proof they are just throwing things onto people 's credit and I will not tolerate this and they have no consent to add anything back onto my report till they prove their claims to me and they have a duty to prove proper reporting to me not the other way around. The company even took more than 30 days to response till i made the CFPB complaint which also is in violation of the law which I will also bring to me to court as evidence of the predatory practices if they so choose to feel the need to report onto my credit report again after mentioning to them him they have no consent till they provide ( PROPER REQUESTED EVIDENCE OF THE ITEMS LISTED ABOVE ). Transunion and XXXX I will also hold accountable for sitting back, seeing this happening and deciding to stay out of it when you have a duty to report accurate information and you are not just as well as they do ( XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
i have linked the previous response the company XXXX XXXXXXXX XXXX XXXX said in the last CFPB complaint for reference which I find unsuitable. The company stated I was willing to pay them for a debt i have no knowledge of and ill and wrongfully stating to have sent me proof of validation on XX/XX/22 when that is false they have not sent me proof of ( proper ) validation regards to the FDCPA, XXXX and the FCRA including a breakdown of all fees including all collection as well as medical charges. To claim i owe them and not provide proof of the listed validation, contract they claim to have with my signature of agreement to pay them ( they claim ) is absurd. They will not be receiving any funds from me till their claims are proved to be correct. They don't even have my real address which is also proof they are just throwing things onto people 's credit and I will not tolerate this and they have no consent to add anything back onto my report till they prove their claims to me and they have a duty to prove proper reporting to me not the other way around. The company even took more than 30 days to response till i made the CFPB complaint which also is in violation of the law which I will also bring to me to court as evidence of the predatory practices if they so choose to feel the need to report onto my credit report again after mentioning to them him they have no consent till they provide ( PROPER REQUESTED EVIDENCE OF THE ITEMS LISTED ABOVE ). XXXX and equifax I will also hold accountable for sitting back, seeing this happening and deciding to stay out of it when you have a duty to report accurate information and you are not just as well as they do ( XXXX XXXX XXXX inc )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These people are XXXX of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others. I WAS NEVER 60 OR 90 DAYS LATE ON MY XXXX CARD. HERE IS PROOF FROM XXXX SHOWING I PAID. UPDATE TO " PAID AS AGREED '' NEVER LATE

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 2023-01-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These people are Defamation of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others. I WAS NEVER 60 OR 90 DAYS LATE ON MY XXXX CARD. HERE IS PROOF FROM XXXX SHOWING I PAID. UPDATE TO " PAID AS AGREED '' NEVER LATE

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 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My credit was fraudulently used to apply for a capital one credit card XXXX XXXX XXXX have never applied for a capital one credit card please look into this matter as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: West Realm Shires Services Inc.
State: VA

Complaint narrative:
West Realm Shires Services, dba FTX.US, and/or XXXX XXXX is holding cash funds that belong to me, without communicating in any way when they will return my funds. 
These funds represent 10 % of my net worth and are extremely important to me and my family.These are funds that belong to me, were being held in a custodial arrangement on my behalf, and were withdrawn PRIOR to bankruptcy, fully within the Terms of Service of FTX.US. I withdrew from my cash account balance via the FTX.US app, via 1 ACH transaction of {$7000.00}, to be sent to my bank account at XXXX  XXXX, following the FTX.US guidelines, instructions and terms of service on XXXX XXXX, ( 3 days prior to FTX.US declaring bankruptcy on XX/XX/XXXX ). At the time, FTX.US openly stated on their official website and XXXX page that withdrawals were fully operational and processing. At the same time, there are numerous reports of others successfully withdrawing from their FTX.US accounts. Per my account on both the FTX.US website and app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via FTX.US support directly that my ACHs were being sent. I have yet to receive my funds. 


The FTX.US terms of service clearly state that my U.S. Dollar account balances would be held for my benefit at U.S. Banks ; Your FTX.US Account allows you to hold and transfer US dollars which are held by FTX.US for your benefit at U.S. banksTo the extent you hold USD fiat balances ( and such balances are not held in stablecoins or other investments ), those fiat balances are held in customer omnibus accounts at FDIC-insured banks ( XXXX XXXXfor customers of the FTX.USas of XX/XX/2022 ). I have reached out multiple times, to multiple contacts FTX.US and I have yet to receive any response at all from any of these parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX balance transfer offer so I signed up for a new credit card. On XX/XX/2022 I did a balance transfer for {$7400.00} to my Bank of America account and they got my account number wrong. It went to the account number XXXX XXXX XXXX XXXX which is XXXX XXXX XXXX XXXX Bank of America account. My bank of America account number that it was supposed to go to is XXXX XXXX XXXX XXXX. I had tried to dispute this with XXXX XXXX and they closed the dispute and XXXX Bank of America had to resolve it. I spoke with Bank of America, and they stated it is XXXX XXXX XXXX XXXX I have XXXX XXXX XXXX XXXX customer Id is XXXX. Payment date was XX/XX/2022. It was not authorized to go into any account other than mine with the account holders name of XXXX XXXX. My name is not on the account it went into. I want the transfer amount to go back to my XXXX XXXX that I opened. The account number with XXXX XXXX that now has the transfer amount of the {$7400.00} is in my name XXXX XXXX and the account number is XXXX XXXX XXXX XXXX. That is the account that I want the transfer amount returned to.

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 2023-01-03 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:
I'm filing this complaint because this creditor has ignored my request to provide me with the documents their company has filed that were used to verify the accounts I disputed. They have also gone past the XXXX mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this, as it hurts my overall credit willingness. 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 explanation
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
I am intrested in disputing all incorrect information on my Equifax credit report.

Company response to consumer: Closed with explanation