vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: LA

Complaint narrative:
All of this pertains to flagstar bank holding money from undisputed claims due to a hurricane. There has not yet been a settlement but rhe insurance company has agreed to some payments at this point. 
My home was damaged by hurricane ida. XXXX. A year later I am still fighting everything and attempting to make repairs. I have an attorney and mediation date set coming soon. The ins company issues an $ XXXX check for undisputed claims. It was of course written to the mortgage company and myself. They allow {$40.00} increments. I am at a point where I need the remaining money they are still holding. I have contacted them multiple times and each time I am given a different story as to what is missing that they need. My attorney has provided them with everything more than once. Every time I call it is something new and having to wait. Presently waiting in the same documents that were already faxed to them multiple times before the mortgage company inspector can schedule to come out and check on the progress and make sure a certain % has been done before there is thought of more money being cleared to be issued to me. This is money that they should not get to hold and make me wait on. I was told in one conversation that the inspector would call me within a week to schedule. Multiple weeks later after still no call, I called back and was told I'm missing information and they can't do anything further until they have it. Was told that without this missing paperwork - the inspector can not see if the things repaired were listed. I do not have a list of anything like that with specific money amounts to say what needs repair and in what order. Also was told they won't send an inspector out unto 80something % of repairs are done. I dont have them money to do 20 % of my repairs yet so that made no sense. My attorney sent them the info they requested yesterday and again today, this os the same info they received months ago, and again waiting until they get it to have an inspector schedule to come here then take days to finish his part then more days to allow the funds to be cleared to me before they can send it toe via us mail. There is a recording before each time I sit on 30 plus minute hold to speak with someone that says the conversation may be recorded. They should record all of them because their employees don't know the answers to customers questions yet they give answers they think are good enough- and not accurate! 
Undisputed claims money does not need an estimate or further paperwork. It's undisputed - I need it for repairs - to my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I had two business accounts with US Bank with over {$88000.00} between both accounts. Both accounts were open under two XXXX  that I created. I sold skin care products & beauty products through both sites. 
In XX/XX/2021 they froze both accounts due to possible fraudulent activity. 
They closed both of my accounts in XXXX and took all my entire over {$88000.00} out and sent me a letter saying both accounts were closed with XXXX balance! 
I have contacted them a few times since XXXX and they said they are in the process of sending back all my income!! I have asked for accounting numbers on returns and still am wondering how they could take all my money!!!!

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 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express stole {$4100.00} from me on XX/XX/2022. I changed banks and informed American Express of this and to stop debiting money from my XXXX  XXXX account as I had switched to XXXX XXXX XXXX. I gave American Express my new account number and authorized a payment in full on the phone from my new account. Despite receiving the money, they still debited the same amount from the other account ( XXXX XXXX ), and said I needed to be patient to wait after spending 3 hours on the phone with them. They were unable to give me the money back they stole telling me I had to be patient and wait up to three days -- which would push this past XXXX XXXX. 

This is illegal. It is a financial crime and I have reason to believe this is widespread at AMEX. All the representative would tell me is " oops, I see where they forgot to update the ach information ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX aoount number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

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 2022-08-31 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: Convergent Resources, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XX/XX/2022 at XXXX CFPB WRITE UP O In accordance with the fair credit Reporting act Convergent  Account # XXXX, has violate my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

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 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
My account was marked for late payments for XXXX XXXX, XXXX, when I in fact made payments.

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 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hey, this is XXXX im filing a complaint to dispute any problem that I did not do. My belongings got stolen and i been irritated, Im frustrated I been trying too open a bank it doesnt let me do to the problem with my XXXX XXXX about a year or 2 year ago my wallet got stolen and my phone I want to dispute the problem so I can open a bank account I work now and I cant even get direct deposit or apply for a debit card or make a checking account. I want to know if I can dispute my problem and be help, Im so frustrated about this. 
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 2022-08-31 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:
I have repeatedly disputed XXXX XXXX credit card because its not mine and they refuse to remove it from my credit file. 

I also repeatedly have disputed XXXX XXXX XXXX AND XXXX XXXX XXXX because they have repeatedly failed to validate the debt and Ive never signed any type of contract with them or any company theyre claiming to represent. I want them off of all of my credit reports and XXXX XXXX XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: PA

Complaint narrative:
Hello, My name is XXXX. I am writing again in reference to the fraudulent XXXX XXXX account on my report. I just spoke with two representatives who identified themselves as supervisors, XXXX ( XXXX ) and XXXX ( XXXX ). They both advised that when I sent my complaint through CFPB that my FTC report was not attached to my complaint and they have no record of it. I have already sent in my I.D and social security card and it was confirmed Equifax has received it so I will now attach yet another copy of this FTC report. Please remove this fraudulent XXXX XXXX Account from my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I'm not sure if this is the correct site to file the complaint. I received a random text from a NJ number. The text read " [ Wells Fargo ] : Your online banking has been locked due to unusual activity. Please visit to XXXX XXXX XXXX XXXX '' From XXXX I do not have a wells fargo account so I knew this was bs.

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 2022-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2022, I was being scammed from the Online shopping website XXXX XXXX XXXX, those scammers requested me make payment repeatly. As soon as i realize it was a scam, i contacted XXXX  XXXX XXXX immediately to stop payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
Account servicing on behalf of XXXX XXXX XXXX XXXX  was moved from PHH Mortgage Services to XXXX XXXX XX/XX/2019. Despite a letter from XXXX XXXX to PHH stating the account has been transferred and therefore closed, PHH continues to report the account incorrectly in open status, affecting my credit report. 

I have spoken to multiple people at PHH promising to resolve the issue over the course of the last year without resolution. Contacts include XXXX ( employee XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). My latest interaction with XXXX XXXX XXXX ) was to send documentation of the issue from the credit bureau and two letters from XXXX XXXX clarifying the issue and the transfer to XXXX, these items are attached. I have emailed XXXX 3 times receiving no response despite his promise to respond immediate upon receipt of my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After requesting my credit report I found information has been furnished on the consumer report that caused discrimination against me, ruined my reputation, and caused harm to me and my family by not being able to get a better car and home due to this information on my consumer report. 

No one asked for my consent to report these accounts to my credit file, which is a clear violation of my rights according to 15 USC 1681b ( 2 ). 

Also the inquiries on my credit file again I didnt consent to them nor did I benefit from these inquiries. 

I have not been treated fair and equitably by the credit reporting agencies and there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
At XX/XX/XXXX, my wallet has been stolen and my Chase Freedom XXXX credit card has lost ( along with many other cards from different financial institution ). I was in the condition of moving-in to my new apartment so I haven't notice my wallet was lost until I got a fraud-transaction message from Chase Bank, asking me to verify that whether the {$700.00} transaction in XXXX XXXX  XXXX that they detected is a fraud transaction, I answer " NO '' to that text message. After that, I immediately called Chase to cancel whatever transaction that has been made that day and froze all of my cards, and they say that all of the transactions has been cancelled and I do not need to worry about it but just waiting to get my new cards. I also called the police to report this property lost because my driver license is also in my wallet, the police help me to place a fraud alert under my credit account, and I got a police report few days later. 

However, about one month later, I got a phone call from Chase fraud transaction review team, saying that this {$700.00} transaction is valid after their review, because I can not prove that I was not using that card at that time. I said that I called Chase and the police right after I found this fraud transaction, but they just said, " the police report is just what you told the police ''. I also provide them with the screenshot of my renew driver license, but they won't accept that as a valid evidence. Right now, they applied this {$700.00} to my new credit card account and ask me to pay for it, unless I can prove that I was not using the credit card at XXXX XX/XX/XXXX. I was staying at home all the time and couldn't get any evidence to show it, I am asking the XXXX footage of my apartment but it is very slow to wait for them getting back to me. I called the police at the second few weeks ago to report this crime in a much more detailed way, and I got a new police report but still no one is following up with my case. 

I just feel like I am a victim of everything, the Chase won't believe me, the police won't help me, the theft won't return my wallet back. I have already experienced a big loss of all of my other stuff in the wallet, but what Chase did to me is making my condition even worse. I am a loyal member of Chase, and I am using their cards for years, I even have a sapphire credit card, but the way the Chase representative talked to me via phone makes me feel like I am the suspect. I feel very disappointed about all of these things and really need support from CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

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 2022-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage
State: GA

Complaint narrative:
My home insurance is not being paid through my escrow, Ive tried to contact the company but they never answer the phones no matter what time I call. I need to get in touch with them before my insurance lapses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After requesting my credit report I found information has been furnished on the consumer report that caused discrimination against me, ruined my reputation, and caused harm to me and my family by not being able to get a better car and home due to this information on my consumer report. 

No one asked for my consent to report these accounts to my credit file, which is a clear violation of my rights according to 15 USC 1681b ( 2 ). 

Also the inquiries on my credit file again I didnt consent to them nor did I benefit from these inquiries. 

I have not been treated fair and equitably by the credit reporting agencies and there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 2022-08-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After requesting my credit report I found information has been furnished on the consumer report that caused discrimination against me, ruined my reputation, and caused harm to me and my family by not being able to get a better car and home due to this information on my consumer report. 

No one asked for my consent to report these accounts to my credit file, which is a clear violation of my rights according to 15 USC 1681b ( 2 ). 

Also the inquiries on my credit file again I didnt consent to them nor did I benefit from these inquiries. 

I have not been treated fair and equitably by the credit reporting agencies and there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/2022 deposited by phone a check that i've got from my prior employer, by XX/XX/2022 my bank account got.frozzen and been trying to fix this situation because i don't have any access to my money, been talking two both parties every single day, several times.a day, the bank hold.me always on hold.for a long periods of time and always come with the same story that they can not fix my account because the check they had gave me is counterfeit and they can't do anything untill the check is clear, that i have to.talk.wirh my prior employee. Been contacting my prior employee and they tell me t hat the problem is the bank because in there side shows that the check was allready clarified and the money was taken from there account. Been.callingmy bank every day several times day and don't get nothing resolved, they got me back and forth for.10 days now and no one.wants to do anything to fix it, my bills a pile up, have to be asking people for food and i can't handle this any more, need help please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: AZ

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX : no : 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 2022-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VA

Complaint narrative:
Edfinancial Loan provider needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled to. 
These refunds are taking up to XXXX days with no email or paper trail confirmation. Many people are getting their refunds much faster with other loan providers, but Edfinancial services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. Please if anyone is reading this I'm sure there are other complaints about Edfinancial services. HELP US PLEASE

Company response to consumer: Closed with explanation