vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My mother passed away in XX/XX/2019. A week after she died Wells Fargo froze her account. Two of my sisters were listed as executors of her estate. Unfortunately one of them died a year before my mother. Wells Fargo keeps requesting letters. Than its a copy of sisters death certificate. Which we have provided. We have talked to an attorney and he said Wells Fargo doesnt need these letters. This is now going on three years and they refuse to give us any information as to why this one account is frozen. We need this money so we can close out my mothers estate.

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 2022-12-20 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/XXXX of 2022 two checks coming from XXXX title and escrow were cashed by Goldman Sachs. One of them had been sent to the wrong address and was canceled by the XXXX title and escrow bank and the other one was free to be cleared. Somehow Goldman Sachs got a hold of both checks and cashed it on XX/XX/XXXX of 2022. After the checks cleared, I called Goldman Sachs and asked if the positive balance left on the account after the payment could be used and I was advised that it could be used and I went ahead and used the balance. On XX/XX/2022 my account had been deducted both checks, when I called, I was advised that something went wrong with the checks and that it had been sent back to the XXXXXXXX XXXX XXXX XXXX XXXX to this day XXXX XXXX XXXX XXXX have not received the refund. I have asked for proof from Goldman Sachs that the funds had been returned. I have spent countless amount of hours on the phone with Goldman Sachs racing disputes and complaints. That just circle back to nothing. I keep getting the same email about the money being returned by the title bank on XX/XX/XXXX. I have been calling Goldman Sachs almost every day for the past two months and nothing is resolved I get told that its been sent back and then Im told that theyre not sending anything back because the checks had no funds but if the checks had no funds how could they have sent something back. XXXXXXXX XXXX XXXX XXXX representative. XXXX called with me to Goldman Sachs asking for proof that a payment was issued as refund and a representative on XX/XX/XXXX of 2022. advised that there was an error on their part and that even though they said a refund was sent there was no proof because nothing was sent and they were gon na issue a check immediately but nothing was sent. These are calls that Goldman Sachs has recorded and they can check. I have been going back-and-forth with them for two months everyone tells me something different. They are stealing my money, and I have a huge balance on the account collecting interest. It is a violation as they are trying to collect a debt they were already paid as well as they arent letting me fulfill my contract with the title company by crediting my account. I have spoken with Goldman Sachs and the bank that issue the checks and XXXX XXXX  they have provided me proof of cashed checks as well as checked their account for XX/XX/XXXX there is no return of money. I asked that Goldman Sachs does the same and shows proof that the money was returned and how it was returned because if it was returned with a check, then there is paper trail, as well as the ability to re-issue a check that was never cashed by XXXX XXXX, because they never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I recently had my loan sold to Select Portfolio Servicing. I have made 3 monthly payments to them toward my mortgage. They are charging every mortgager a {$17.00} fee every time we make a payment on our loan. It is not a late fee they call it a processing fee. The only way to avoid this fee is to do auto draft payments. I have had a bad experience with companies taking money out of my account so I don't want to do auto drafts. I don't feel if you are paying your mortgage on time every month how can they charge me to make my payment. I feel they are stealing from customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account at wells fargo was closed suddenly after cashing a check. I seen the funds were in the account then it got closed and i couldnt and didnt receive the funds. That messed me up because i had things i needed to pay for and couldnt which ended in a lot of things not getting paid for and me owing on.

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 2022-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
In XX/XX/2022 I caught COVID which caused me to fall behind on my mortgage payments. I contacted M & T and initially they gave me a forbearance and told me about the PA Homeowners Assistance Fund and recommended that I apply for them. I applied for PAHAF program and received an award letter granting me funds to get caught up on my mortgage on XX/XX/2022. During the time M & T pressured me into completing a loan modification application for a partial claim. I sent back the documents at the beginning of XX/XX/2022 and made M & T aware that I had been awarded a XXXX through the PAHAF and that PAHAF would be contacting them in order to pay them. From XXXX XXXX XX/XX/2022 I got the run around from M & T Bank stating that PAHAF never sent over the payment and PAHAF was responsible for holding up the payment. On XX/XX/2022, I spoke with an M & T specialist who discovered that M & T made a huge servicing mistake on my account. The M & T rep stating that M & T sent over the wrong documents in XXXX to PAHAF causing the delay of payment. The rep also discovered that I had been provided with false and misleading information from previous reps as no one told me I had to rescind the partial claim that i was approved for in order to receive the grant. Also no one told me that I had to pick between the award money from PAHAF or go through with the partial claim but I couldn't do both. Additionally the rep discovered that I was misled by previous M & T reps who stated that I didn't have to send in a payment at that time because PAHAF was going to cover the payments. The rep on XX/XX/2022 immediately escalated the case to her manager. However at this point I am at risk for foreclosure due to false and misleading information that M & T provided to me as well as sending the wrong information to PAHAF program back in 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 2022-12-20 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: Aldous & Associates, PLLC
State: TX

Complaint narrative:
On XX/XX/2018 Creditor : XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold to a XXXX XXXX XXXX XXXX and I am no longer responsible for the account. Debt collection agent has threatened me to pay and without my knowledge of legal rights Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mine. The collector has not shown any proof of balance, nor have they shown any real evidence that that this account is indeed my account. According to the XXXX XXXX XXXXXXXX and the ALDOUS AND ASSOCIATES has violated my rights as a consumer on two accounts and I am requesting legal action on both accounts to remove these accounts immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 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: FL

Complaint narrative:
Name : XXXX XXXX XXXX Account number : XXXX Name : XXXXXXXX XXXX XXXX Account XXXX XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2022-12-20 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:
Name : XXXX XXXX XXXX Account number : XXXX Name : XXXXXXXX XXXX XXXX Account XXXX XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 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 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Around XX/XX/2022 I received a call from my bank ( Chase ) phone number saying they needed me to help them access my account. They sent me a code, I gave them the code and I had XXXX XXXX transactions on my account from a person I have no dealings with. I made a claim they gave me provisional credit but later on took the credit back and my account became negative. I had to pay the balance to bring my account back to good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BANK OF AMERICA Account # : XXXX Balance : {$9200.00} Gap insurance was placed on this vehicle at purchase. The insurance company confirmed to me that a payment was made to Bank of America. So this debt is inaccurate and unlawful, because it does not display the balance was paid off Via my gap insurance policy. 

Bank of America wrote my repossessed vehicle as a loss, and proceeded to report it on my credit report for going on 2 years. Even though the claimed amount was payed off via the gap insurance purchases when I leased the vehicle. A negative balance is showing on my credit report and it is inaccurate and false. These derogatory remarks on my credit report have impacted my getting a job, housing, and a vehicle. severely impacting my quality of life. I have filled over XXXX disputes with the company to remove information from my credit report and they have not. Just recently I discovered my Gap insurance policy and was notified it had indeed been paid, and Bank of America have been deceiving me and the credit reporting agencies for almost 2 years.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I opened a Citibank Priority checking account with a promotion {$1000.00} cash deposited balance after 81 days per their website and promotion online. Depending on the amount of funds you deposited. Mine was {$75000.00} and I would receive a {$1000.00} deposit after I met the requirements. On XX/XX/XXXX I met the requirements of the promotion and have called 3 times and spoke to XXXX and managers and they keep telling me they have 90 days to deposit. This is not what their website said when opening the account. I called again on XX/XX/XXXX and was told 30 days and I called again XX/XX/XXXX and was told 90 days by the XXXX person and her XXXX at XXXX. They are in breach of what their online advertising says and under most pretenses most customers would just wait. Pursuant to their website of them having 30 days to deposit the funds. They are gaining my interest off me and therefore pushing their obligation to me ie the bonus to even out their funds. This is wrongful and therefore I wish these promotion items to be investigated. The consumer should not have to full fill their obligation but the banking institutions get by using our funds for their gain and not full fill theirs.

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 2022-12-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The account listed below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( never provided by submitter ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 seven 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. 

Additionally, in accordance with the Fair Credit Reporting Act, the account listed below has violated my federally protected consumer rights to information being reported by the furnisher accurately and completely under Section 623 ( a ) ( 1 ) ( B ), Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number : ( never provided by submitter ) has violated my rights. Section 623 ( a ) ( 1 ) ( B ) states : If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. I was never notified by the furnisher of this alleged account. The balance reported by the furnisher on XX/XX/22 states the balance is {$1300.00}, however a payment to XXXX of XXXX Florida was made on XX/XX/22 and the balance is only {$200.00}. I never received any written information from the submitter regarding this collection account. I sent an email to the submitter on XX/XX/22 to inform them the information reported is inaccurate, incomplete and therefore must be removed from my credit report immediately. I attempted to call XXXX and XXXX on XX/XX/22 and was told they are not responsible for accurately reporting information to my credit report.

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 2022-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
Merchant Adjustment Services continue to violate my consumer rights. Under 15 USC 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company is very unaware of consumer laws. They stated in a previous complaint that I consent to them having my personal information when I signed into a medical facility Federal law clearly states that I have to give direct consent. They also stated that they didn't use abusive or obscene language. Under 15 USC 1692 ( D ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader is a violation. I said it was abusive, the company cant state what is abusive to me or not. This is why Federal laws were put in place for deceptive practices as I am experiencing what this company. They stated they sent me a letter regarding this matter, I ask that they send it again. Under 15 USC 1692J, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.I 'm pretty this company is not the original creditor of this alleged debt. So, please send me the deceptive form you stated you already sent, so i can have proof you violated me and get my {$1000.00} per violation. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I had a checking account with SunTrust for 35 years. SunTrust merged with Truist last year during the summer ; my checking account was closed by Truist unilaterally, without previous warning or information, because of scarce transactions, on XX/XX/2021. One month before, Truist had informed me that as of XX/XX/XXXX my account was active and that the transition from XXXX to Truist implied no change in my checking account. As a matter of fact in XXXX, on the XXXX, I had had an internet chat with a Suntrust representative concerning a new check-card and the representative ( XXXX ) mentioned no problem with my account. I have called and written to Truist many times to no avail. The money in my checking account was sent to the North Carolina XXXX. of XXXX XXXX as escheated. I think that Truist 's behavior has been contradictory, careless, incompetent and illegal.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was contacted by XXXX to have my business account set up but could not verify my navy federal bank account I was told to call technical support for assistance, while on the phone with tech support my IP address was hacked and the hacker who stated they were from XXXX customer service hacked my XXXX and transferred {$4000.00} out of every account I had listed on my XXXX and also opened an credit card account in my name, not to mention my Id was lost/stolen at the hotel in XXXX a XXXX before, the bank provided provisional credit then reversed the provisional credit which was from my understanding protected funds they were mine my sons XXXX back pay. Mind you the bank was notified immediately as I seen money leaving the account, Navy federal told me they seen the hacker trying to go in my account 5 times after I reported the accounts hacked and the were frozen immediately, not days later immediately! Navy Federal Credit Union has not only defamed my name and character by accusing me of being apart of this cybercrime scam, which is XXXX XXXX  counts on the hackers, they have lied multiple times about not being able to take my son and I XXXX check, at which we are completely without any money while they stated they were in investigating the appeal, however Navy Federal CU is calling me threading to close my account and is still demanding money from me. Also, Ive been back and forth to the XXXX, ga branch asking for answer, but getting nothing but the run arounds. I explained I have nothing at this point and I cant even buy my son anything for XXXX, the Navy Federal Credit union brand assistant manager stated aw Im sorry, Im sure your son wants the world for XXXX in the most nasty way I just walked away crying. I was hack through an tech support application, all my money was stolen I have text messages, recorded calls and police reports to prove I was a victim and I would like to stopped being treated like a criminal and like my money doesnt matter and have Navy Federal put my money back that is owed to my son and I. I would like to be taken seriously and not be treated as if Im a criminal and I do not matter in my financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief