vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX my customer paid for having her home cleaned the transaction was for {$100.00} around XXXX in the afternoon using XXXX  to pay. As we have normally done every 2 weeks. When I checked my Chase account the next day the funds werent deposited. I called Chase and spoke an associate he informed me that there was a 3-5 day hold on the transaction. I asked why he didnt know. I asked how to avoid this issue going forward and he couldnt tell me. I asked to speak to a manager about the issue and she wasnt able to provide any information as well. Now Im scared to have my customers pay me through Chase XXXX as I have a small business and have employees to pay on time and I cant do that if Chase randomly holds funds without notifying me. Holding funds is detrimental to my small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I have been attempting to clear up a escrow question with Fay Servicing since receiving my escrow analysis from them in XX/XX/XXXX. Since XXXX, I have always been responsible for paying my home owners condo insurance. When I first called them I was told they removed the insurance payment from escrow. After waiting several weeks the payment due never changed which promoted me to contact Fay servicing again to review this. This time I was told the mortgage was adjusted back in XXXX. They have sent me modification letter, but it does not say anything about home owners insurance paid through escrow. To ensure that my Home Owners insurance was paid on time I paid the first of two payments to XXXX XXXX XXXX. I was assured that my Home Owners Insurance would be paid on time by Fay Servicing through the escrow. Well Fay Servicing did not pay the Insurance and thank goodness I did pay on time or I would have been dropped. My account needs to be reviewed by Fay servicing and they need update my escrow payment to reflect insurance payment not included. They need to look into this seriously and stop just sending me blanket responses that are not correct since you are not paying the insurance. Please review the attached email correspondence hopefully you can review the phone calls I made too. I've contacted them through the XXXX XXXX XXXX as well. Their response is the same we will contact once we review. It has been over 4 months trying to correct this no one is reviewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
Square we used as we initially started our business but they are assuming one of our transactions was fraudulent. They have locked up the funds for 90 days they are saying. Cash flow is vital when starting a business, and profits from 2 sales are locked up. 

We operate by charging the customer full amount up front, to then order the cabinets and begin assembly to deliver. Ive had to fund this project from our personal accounts to save face with the client.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My information has been in several data breaches and I have had XXXX inquires on my account that I have no clue what they are. I also have put alerts on my account and still no one has taken any actions.

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 2024-03-29 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
My information has been in several data breaches and I have had XXXX inquires on my account that I have no clue what they are. I also have put alerts on my account and still no one has taken any actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Approved for Citi card XX/XX/XXXX Received email XX/XX/XXXX saying card was on the way and would arrive my XX/XX/XXXX On XX/XX/XXXX I received an email saying a replacement card was ordered and wouldnt arrive until XX/XX/XXXX I called Citi and they said someone changed my address, which I did not do Transferred to fraud department because what happened to the first card and why/how was my address changed and why did they send a replacement that I did not order Eventually they closed my account and made a new one. Not happy with Citi. They did not answer how this happened nor did they offer any assistance in making it up.

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 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America sent me an alert to verify my mortgage payment in which they thought was fraudelent on XX/XX/XXXX & XX/XX/XXXX. They asked me to respond by XXXX. I verified the payment was valid by phone at XXXX on XX/XX/XXXX. Additionally, I also saw that sent me another text asking me to verify the payment by XXXX. I also verfied the payment with BOA by text before XXXX. BOA returned my mortgage check before XXXX on XX/XX/XXXX. I incurred lated fees - {$150.00} from XXXX and returned check fee {$30.00} in spite of BOA telling me on XX/XX/XXXX by phone that they would process the mortgage payment.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I requested a couple times for this account to be removed from my credit report due to inaccuracies I have sent in my investigation with resources to show the inaccurate information the account keep coming back verified. The account may come back verified, but the account has several in accuracies against Trans Union, XXXX, and experience. Once again, please remove this account from my credit reports.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm experiencing distress, dissatisfaction, and anxiety due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The recent changes in my credit report have left me feeling distressed, dissatisfied, and XXXX. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have attempted on several occasions to close this account and receive money back for the fraudulent charges, ive spent over 3 hours trying to contact them and dispute the charges and close the account to no avail and im not going to keep wasting my time. The fraud was reported to several bank employees as required and nothing has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2024, I attempted to pay the balance on my new Wells Fargo account. Their website would not accept payment from my checking account. They want to be paid ONLY by their Wells Farge checking account. 
Next, I decided to call the company to pay the balance due. My call was answered by a woman with an accent. I told her that the website would not accept my payment and asked her to take the payment over the phone. She did and I deducted it from my account. 
A few days later Wells Fargo sent a letter confirming the transaction, however, no payment was taken from my account. Apparently, the person receiving the information got the account number wrong. 
I checked my checking account and no payment was withdrawn. 
I contacted Wells Fargo and submitted a complaint, case # XXXX. 
Two days later a man from Wells Fargo, XXXX, called to discuss the complaint. He did NOT resolve the issues. Instead, he made excuses saying, " We hire people from all over the world and their XXXX may not be the best. '' I received absolutely no help from him regarding their nonacceptance of payment from other banks on their website. He even tried to blame their errors on me, rather than take responsibility for the miscoding of my account number and the misspelling of the name of my bank. 
I am ending my use of the Wells Fargo credit card and warning everyone else of their incompetence and arrogance. 
My husband and I finally had to go to another city where a Wells Fargo bank is located to pay the bill in person. We are retired people who are not in the best of health. We consider the treatment we received abusive.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MT

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX I took my car in a car shop to get it fixed. The issue I was receiving on my dashboard was showing XXXX and front assist not available I took the car in shop, explained them the situation. They kept it for XXXX hours, called me and told me its fixed. I paid for them since they told me its fixed. I paid with my Apple Card. I paid {$180.00} As soon as I got in the car when I started the vehicle I started getting the same error I was getting before XXXX and front assist not available. 

Went back to the shop, told them the issue, they wouldnt listen at all, they kicked me out of the shop and yelled at me and wouldnt cooperate at all after they took my money and didnt fix my car issue. 

I have pictures of the car still showing the same issue. 

Reported this to Apple Card and they havent helped me at all, twice now they are going back and putting the charge back into my account saying there is no billing error? 

Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I noticed fraudulent charge when checking my Bank of America Acct on my phone. notified bank and ordered a new card. within an hour got a call on my screen said Bank of America with there XXXX number. the guy said he was from Bank of America and my funds were not secure and they now use XXXX XXXX XXXX to secure money for XXXX hrs. the next day I tried to call Bank of America and they never returned my calls. the day after I noticed my money gone from my account and again called the bank. I finally had to go down to the branch and they told me I was scammed and I authorized them to take {$8000.00} dollars, all my money was drained from my account. a day after we realized they had hacked my phone completely because i could not receive any calls or messages that whole week so if the bank did call or message me about fraud I would not of received it, XXXX took many tries to remove the virus and said they had not seen this happen like this before. I have pictures of screen shots and keep messaging Bank of America and even at the bank the manager asked me what I was thinking when I did this.. XXXX XXXX and had no idea but they have not been helpful and make it hard to reach out and I cant leave the bank or they will close my case. I am going to the bank today to file a Regulation E form but last time i went they told me I needed an attorney

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
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I contacted a business called XXXX on XX/XX/2023. XXXX was listed on line as a customer service representative of Frontier Airlines. I was told over the phone, that for a fee of {$99.00}, that they would reverse the fees charged for XXXX air flight tickets, and return the XXXX XXXX, I used to the tickets. I gave them my credit card number at that point, and they charged my credit card the {$99.00}. Then the company did absolutely nothing, for my previous payments for the flight tickets. When I discover I had lost everything paid for the flight tickets, I recontated XXXX at XXXX. I was put on hold for several minutes, then disconnected. I then searched the company online and discovered that it is a total fraud company, and had tried to steal from XXXX of people. I then contact Barclays and reported the fraudulent charge, and gave them all the information, and that I had received absolutely no service from this company. 
Barclays originally reversed the charge, then put the charge back on my account on XX/XX/XXXX. And gave me no information on what I was charged for.I believe Barclays, or someone within Barclays may be a party to this XXXX XXXX. 
Barclays continued to call me to the point of harassment, for more information, after I told them there was no more information. But, would not give me any information on what the service I was charged for. Then sent me some papers that were totally in legible.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm experiencing distress, dissatisfaction, and anxiety due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: MT

Complaint narrative:
I purchased an XXXX XXXX gas range online from XXXX  XXXX, for {$3400.00}, on XX/XX/XXXX. I paid my credit card charge as soon as it hit the card balance, as I currently have 25 % interest and did not want to pay over {$800.00} in monthly interest while waiting for delivery and install. The range was delivered on, or about, XX/XX/XXXX. We were in the process of a remodel and didn't get the range unboxed and into the kitchen until XXXX. After a week of troubleshooting, we realized the range was defective. Neither the oven nor the main XXXX  work. On XXXX XXXX, XXXX, I was contacted by a XXXX warranty company, who works with XXXX XXXX , to purchase and extended warranty. Since we were already running into issues with the range, I purchased an extended XXXX warranty for {$240.00} from XXXX XXXX XXXX XXXX I was in the process of trying to contact the merchant via phone and the " contact us '' page on their website, with no return call. A couple of days later I decided to go online to XXXX since the range was still covered under a one-year warranty through them. This is when I realized both websites for XXXX XXXX AND XXXX were shut down the same week, possibly the same day. I contacted the extended warranty company, in hopes I could get help, but they told me since the range is still covered under the manufacturer 's warranty, they won't help either. I started the dispute with the credit card company ( FNBO ) XX/XX/XXXX, to dispute a faulty product. According to them, 1. if the merchant didn't respond it would default in my favor and 2. I still fell within the timeframe for dispute, less than 120 days, being that my item wasn't received until almost a month after purchase - but they denied my request, due to my bill being paid already. The dispute was still rejected. I have tried to appeal my case, but they will not respond with a sufficient reason why they're allowing a charge for a faulty product, except to say I paid my bill already.

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 2024-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I have attached all the detailed information about what happened to me in my letters.

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