vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened this account on XX/XX/2016 i never had access to my funds since i opened the account they keep on giving me the run around saying that they mailed the money and don't the account number is XXXX. I am tried of these games this bank is playing. They mailed me a letter saying if i had any questions to call this number and no one ever answers the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I submitted a complaint through CFPB to Bank of America on XX/XX/22. I received their response from CFPB on today, " that they are still working on this issue ''. As I appreciate the message of a response, I am complaining that this is not a legitimate response to a five year old error. And that the time they are given to send a response again is only time to further mislead the consumer, CFPB and credit reporting agencies, or time to show synthetic sympathy to workers of the bank who would have normally been otherwise disciplined for this false action. This proves the information should be removed. I was even asked at one point to come in to the branch and speak with them after I view and questioned the information, in which I declined, in my rights to choose another bank. A bank will not ask a fraudster to come in again. " Still working on this issue '' is not a response. CFPB asks for a response, not a response of the company saying " they will provide a response ''. This response is misleading to CFPB and proves comical or sarcastic motive, abuse of branch power. The misleading information in the attachment ( s ) is clear.

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 2022-01-18 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: MO

Complaint narrative:
I contacted XXXX and Equifax to dispute inaccurate inquiries on my credit report on XX/XX/2021. I have yet to receive a response from both credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: MO

Complaint narrative:
I contacted Transunion and XXXX to dispute inaccurate inquiries on my credit report on XX/XX/2021. I have yet to receive a response from both credit agencies.

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 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV dba Resurgent Capital Services has continued to call my employer my cell number every day threatening me jail time law suits and bullying tactics to collect a charge off for {$1200.00}. I tried to negotiate with the debt collector and they said they will not negotiate with me at all. I wish for this debt to be removed from my credit reports per the FCRA for violations of tactics that are unlawful and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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:
I filed a dispute with Equifax credit reporting agency on XX/XX/2021 about a bankruptcy showing on my credit report unknown to me. Equifax mailed a response back saying that XXXX credit reporting agency reported the bankruptcy. I contacted XXXX and ask them to send me a copy of my report that they had on me. I received the report showing no bankruptcy on my report and sent it to Equifax credit reporting agency on XX/XX/2021. On XX/XX/2021 I received a response from Equifax stating that The company that reported the information has certified to Equifax that the information is accurate. I don't think Equifax contacted XXXX because if they did XXXX would have reported to them that they don't have a bankruptcy showing on my report. I have attached the XXXX report to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage refuses to do a loan Modification. My original loan was for XXXX. I paid my PHH mortgage for 20 years. 

My loan amount with PHH Mortgage was down to XXXX. My interest rate is XXXX interest. 

After I lost my job as a XXXX XXXX at XXXX. In XXXX  While I was at XXXX XXXX XXXX not only did I have XXXX. They determined that I have XXXX XXXX. 
I requested a loan Modification and I was over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/21 I was a victim of a scam by someone posing as Chime Bank. They managed to get my log in info and changed the Name, Phone Number, Email, and log in information on my account completly locking me out. I have reach out to chime through their customer support email as their phone support allows no option to talk with a real rep. I am going on exactly 1 week without having any access to my account. I have sent about a dozen emails to chime support, and they have failed to email me back even once. I am extremely frusterated, i have no access to my money which is now probably gone .... i have recieved no help what so ever. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Transunion and XXXX numerous times about fraudulent inquires on my credit report. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-18 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I keep receiving letters I called and the manager was rude They have my social security but I do not owe XXXX anything, no debt I received the same letter in 2016 for a capital one and when I asked what was the year, they gave me a year when I was XXXX They hunged up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX I wrote a check # XXXX to XXXX XXXX XXXX for {$32.00} from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. 

XXXX XXXX XXXX XXXX  received a notice stating that the check had been returned unpaid because of a Warranty Breach. XXXX XXXX XXXX was charged a Return item fee of {$12.00}. Attachment 1 ( 3 pages ) XXXX I learned of the problem and wrote a replacement check # XXXX to XXXX XXXX XXXX. Attachment 2 XXXX I talked to XXXX  about the problem. They showed me that the check was never presented to XXXX, it was not bounced by XXXX, there were plenty of funds available. No one at XXXX  had ever heard of a warranty breach. My contact at XXXX was XXXX in the XXXX  MA branch. XXXX. I can provide proof of adequate funds if needed. 

XXXX Went to Bank of America at XXXX XXXX XXXX, XXXX MA. Spoke to XXXX XXXX. She did not know what a warranty breach was, and she was not willing to ask anyone else because I am not a Bank of America client, even though it was my reputation the warranty breach affected. Contact information on Attachment 1, page 3. 

XXXX XXXX  cashed the replacement check I wrote to XXXX XXXX XXXX # XXXX. Note there is no difference between check # XXXX and # 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 2022-01-18 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: GA

Complaint narrative:
I was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On the week of XXXX, I noticed that my overall credit usage was incorrect through Experian and called multiple times to have this addressed. My last interaction was on XXXX, when I spoke to a manager who saw the error and assured me that an escalation was in place. I have not heard anything from Experian, nor has my credit report been updated. I currently have a credit limit with 3 credit cards of {$7300.00} of which I have spent only {$3300.00}. They have my credit usage at 96 % stating that I have used {$6900.00} of my credit which is highly inaccurate, even by their records. What they have done, is they have used a balance from a closed account and added that to my overall usage, which I stated to them, and which the manager agreed. This is directly impacting my credit score and needs to be addressed. This account does not show up on any other credit report, nor does it show up on my Wife 's credit report and she is also on that closed account. This is an obvious error which they have refused to address and have only provided generic answers to the issues at hand.

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 2022-01-18 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: AMERIS BANCORP
State: FL

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX, new, from XXXX XXXX XXXX in XXXX, XXXX XXXX of XXXX. I still currently have a loan with Ameris Bank, former XXXX XXXX. I moved from XXXX to XXXX  XX/XX/XXXX. I applied for a tag XXXX XX/XX/XXXX. To this day, XXXX XX/XX/XXXX, Ive yet to get word the title transferred to the XXXX XXXX XXXX XXXX XXXX so I can go get my permanent Tag. Ive called probably XXXX - XXXX times now and have gotten the run around from Ameris Bank. XXXX  normally only gives a temp tag up to 90 days. They went to 120 waiting on that title. I cant drive my vehicle. Im 100 % XXXX Veteran. The treatment and lack of action is inexcusable at this point and something needs to be done. I just want the tag so I can drive to get groceries, and medical appointments. Ive exhausted all of my options. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
My name is XXXX XXXX, I am experiencing issues with my account on the " Coinbase '' exchange platform, in which my account appears as " restricted '' for no reason. After trying to contact the company repeatedly to collaborate in case there was a problem with any document, I did not receive any response. It is a matter of vital urgency for me since there are some funds in my account, currently blocked as I can not operate with them. 

Best regards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18 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: CA

Complaint narrative:
I have contacted XXXX and Equifax numerous times about fraudulent inquires on my credit report. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
In regards to the " Annual Escrow Analysis '' Quicken Loans aka Rocket Mortgage is conducting an escrow analysis every 6 months on my mortgage versus an annual review. My mortgage analysis was performed annually from the closing date of XX/XX/XXXX to XX/XX/XXXX, which resulted in an increase. Today ( XX/XX/XXXX ), Quicken/Rocket has notified than another escrow analysis has been conducted, which will be resulting in an additional increase. Further, an additional analysis will be done in XX/XX/XXXX ( approx 6.5 - 7 months ), resulting in 3 escrow analyses. THIS is UNACCEPTABLE!! 

When I called Quicken/Rocket twice today, two separate agents in the escrow department attempted to justify the semi-annual analyses stating that the state of MD requires annual analysis to be done in XXXX of each year vice the anniversary date of my loan closing. It is no logical way that all mortgage holding residents in Maryland have the same escrow analysis month AND your website ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Escrow Accounts ) confirms it is an ANNUAL analysis unless 3 scenarios apply, which Quicken/Rocket has not indicated that either applies to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Hi, On XX/XX/XXXX, I submitted a claim with the irs I never received my third stimulus of {$7000.00}. Irs noted my account, informed me to make a police report and contact money network the issuer of the card to report it stolen and receive a reimbursement with a refund of fraudulent/theft funds! I contacted money network after having being Identified by questions, I submitted a claim ( although it's theft ) they still wanted me to submit a claim. After weeks of waiting, XXXX  XXXX XXXX replied with an incomprehensible letter, he placed the Wrong date and other information, and denied my claim although I provided a statement of facts and a police report number as they requested. Money network then sent another card to the wrong address with my balance of {$2000.00} or so, after I informed then of the previous error, they still sent my funds. I had to them make another claim and police report on XX/XX/XXXX, and XXXX XXXX XXXX' which seems to be the only dispute representative who is discriminatory and fraudulent send another carbon copy of the same letter he sent for the previous claim denying it. Now my family and I are victims of theft and money network is not doing due diligence to protect their clients please help and investigate this company I'd like my {$7000.00} that the irs stated I was a victim of due to receive back due to theft please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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:
Hello, I XXXX XXXX, am filing this dispute for my self. After reviewing my credit report I am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX and XXXX XXXX XXXX account XXXX XXXX XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XXXX XXXX I was scammed money out of my banking account. When I called my bank, they said my money will be refunded if I didn't make the transactions. Chase reimbursed me money and then took it back from me. Chase told me to get a copy of my police report and I did that and I got a lawyer just in case for legal purposes to cover my end. Over {$3000.00} was taken from me. Chase told me that my money was not coming back to me, stating that the investigation was closed and the supervisor told me to move on I was not getting it back at all. when i tried calling the establishment where my card was used at each manager told me a detective would have to come and get video of the person who use my card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX they charge me an annual fee for XXXX and on XX/XX/XXXX they closed my credit card account I asked them if I need till to pay the annual fee they told me NO Then I got a late fee and it's keeping on my account that I am late they won't be able to remove the annual fee till 51 days after closing so my credit report will get a bad credit history

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 2022-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The amount is XXXX but there are others which were misapplied.They are taking money and paying down principal where they are not supposed to do it.I have a linked account in the bank there to make auto payments to pay the mortgage. They keep varying the mtg payment amount and either overcharging or undercharging me on a regular basis. We have made many phone calls to BOA and have been unsuccessful in resolving this issue with BOA.

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 monetary relief