vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
deposited a check to chase bank. they froze my account closed it.. telling me they could not validate check with the business phone number on the check in their database. 
they will not release the funds in the amount of {$5200.00} till i supply them with a valid number that appears in their system. but the check is valid the check was issued by XXXXXXXX XXXX XXXX XXXX XXXX florida through a XXXX bank in IL i spoke to an associate at XXXX bank named XXXX XXXX XXXX who was able to validate the business with me but chase will not call the bank the phone number on the check is XXXX the check number XXXX issued XX/XX/year> from acct ending in XXXX routing number XXXX chase originally told i had to come into the branch with two valid ids then id fo in theyd tell me i had to call a number id call they tell me i have to go into a branch then started with the excuse they couldnt validate the number then they did but still decided they were closing the account and would mail me a check between XXXX business days so i waited but never received when i started calling them back they gave me the same run around i went into the branch they said theyd mail the check in 7 days this time but theyd review to ensure the check wasnt cashed then i get a call that i have to call a number i get the number to chase and again they couldnt validate the business number to the check maker. the number. is valid its just not showing up in their data base and they dont call to validate over the phone.. they just go by a database of business numbers that is clearly not up to date and or in accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: LA

Complaint narrative:
I looked at my report on XX/XX/year> and noticed some things are fraudulent on my report. According to the Fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX received a letter from Transunion stating that the fraudulent account was deleted, however, it was not deleted. These are accounts are on my report due to fraudulent activity and should be removed immediately. My tracking number is XXXX I received the investigation back but noticed that nothing was modified or updated. So I requested a description of the re investigation and they did not provide it to me which is a violation of 15 USC 1681i7. According to this law 15 USC 1681i ( 5 ) they are supposed to update or provide this information within 15 days.

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 2024-06-21 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: Kikoff Inc.
State: AZ

Complaint narrative:
I filed a complaint on XX/XX/year> against Kikoff concerning not being able to close my account without paying and them assigning my account to an auto renewal without my permission which caused the account to accrue fees and they reporting a late payment to my credit report. The company has allowed me to close the account and not pay the fees. However, they are stating that they sent me an email notifying me of the auto renewal 30 days before my payment was due. I never got any email from XXXX stating that my account was automatically renewed nor did I receive any letter in the mail informing me of this. Its unethical and misleading to automatically renew an account without proper notification and permission so the company can collect more money from customers who are finished with their program. I made my last payment in XXXX and had no intentions of continuing the service. I want the late payment removed. I never authorized them to renew me nor did they send out an email or letter via mail alerting me of the renewal as they stated in the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: CCM Finance LLC
State: TX

Complaint narrative:
There was a vehicle purchased in my name that I did not purchase. The vehicle listed was a XXXX XXXX XXXX. I have never owned or rented that type of vehicle. My identity was stolen and now there are derogatory marks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
School was shut down for embezzlement and fraud. I am not able to discharge my student loans because my transcripts indicate I was not going to the school within 160 days of the closing when I was still currently active and enrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
To whom it may concern : Amount collected to Escrow account with the monthly payment was initially calculated incorrect.

I summited my first request after the closing. In XX/XX/XXXX I summited my second request with explanation and documentation.

Based on XXXX tax bill Total Tax Bill amount is {$4400.00}. It should be {$360.00} per month.

It was provided by me. They promised to do escrow evaluation and update it. Nothing was done.

I sent them a new request recently. Based on XXXX tax bill Total Tax Bill amount is {$3700.00}. It should be {$310.00} per month. It was provided by me. Nothing was done.

I also made a several phone calls to Customer Service without any success.

I had been ignored for almost two years now. Lender keep collecting double amount in to escrow account. It is really effecting my budget in mortgage payments.

Please assist with correction of amount calculation based on the actual correct Property Tax Bill. I need them to send me a new monthly statement with the correct amount. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: CA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-06-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Block, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX, I made an online purchase on the XXXX website and chose AfterPay as my payment method. Upon going through this automated process, the AfterPay app approved the purchase and immediately withdrew the first of 4 installments from my checking account ending in XXXX. The total purchase amount for the prefab countertop was {$130.00}. However, the AfterPay app timed out before it connected back to the XXXX system to show a successful transaction and to give me an order number. Nonetheless, I rented a truck and went to XXXX to pick up the countertop. To my surprise, XXXX did not have a record of the transaction. I spent the next 3 days going back to XXXX speaking with XXXX after XXXX. The Managers could see the transaction attempt but no approval. On XX/XX/XXXX I spent 5 hours working with the Store Manager and their back office customer service. AfterPay ( who only communicates via text in the app had requested a written statement from XXXX saying that they have no record of an approved transaction for this item which I provided via the app to AfterPay.

So, AfterPay launched their own investigation with XXXX which yielded the same results. Even though AfterPay was formally made aware that XXXX has no record of an approved transaction and that I never received the merchandise. AfterPay has continued to deduct money from my account and have requested further payment while refusing to refund me the money that I already paid so that I could re-purchase this item before the product runs out.

I have made several requests for a refund and even explained to them that I would re-order the item through them so that they don't lose the business. I have a contractor waiting to install the countertop that is stuck in dispute.

Yet, AfterPay has refused to refund me indicating that the matter is still under review and that they are trying to determine where the payment went.

However, I informed them that I am not responsible for a faulty software system or transaction. I made a loan agreement to purchase a product in 4 installments - once they were made aware that I did not receive the product and that XXXX had no record of this transaction, I should have received a refund. I as the consumer can not be held accountable for system glitches, errors or failures and I can not be required to pay for merchandise that I never received.

Please help me to resolve this matter. I have been fighting with them for more than 20 days and we have gotten nowhere.

Thanks in advance for your assistance. 

Kindest regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Response to Complaint XXXX : Since Newrez ( XXXX XXXX ) acquired my loan in 2023, their negligence and mismanagement have caused significant issues, with no resolution offered. This pattern of behavior suggests systemic problems within the company that warrant closer scrutiny and regulation.

Specific Instances of Negligence : 1. Documentation : Shell Point failed to confirm that all paperwork was accurate during the loan transfer. It is unacceptable that they attempted to verify documentation eight months later, coinciding with the policy expiration. Initially, they claimed, " We did not know which insurance carrier to contact, '' only to later state, " We tried to contact the insurance company ( last minute ). '' 2. Communication : Shell Point did not use the mortgagee clause to ensure timely payment, instead holding my escrow funds past the deadline without calling me. They had no problem aggressively pursuing me when they mistakenly thought I was behind in payments ( see complaint XXXX ). This same level of diligence should have been applied to disbursing escrow funds on time.

3. Escrow Funds : Escrow funds are meant to be managed by the lender, and it should be unlawful for a lender to hold these funds and miss payment deadlines. Shell Point 's mishandling of my escrow funds was negligent and unacceptable, causing undue stress and potential financial harm.

4. Responsibility : According to RESPA, lenders have specific responsibilities for communication and documentation. Shell Point failed to meet these standards, neither ensuring everything was in order nor effectively communicating ( calling ) issues to me. RESPA clearly defines the responsibilities of the new lender during a transfer, and Shell Point did not fulfill all obligations.

These incidents illustrate Shell Point 's inefficiency and lack of proper management, reflecting broader issues within the company. Numerous XXXX reviews indicate that my experience is not an isolated case, but part of a troubling pattern. Shell Point 's practices are unfair and detrimental to homeowners, highlighting a need for more frequent and thorough regulatory reviews to protect consumers.

In conclusion, Shell Point 's handling of my loan has been fraught with negligence and poor communication, leading to significant issues. Their practices should be reviewed more often to ensure fairness and accountability, preventing other homeowners from experiencing similar hardships.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: U.S. BANCORP
State: AZ

Complaint narrative:
A charge appeared on my account on XX/XX/XXXX I confirm with the bank that it was from XXXX I contacted XXXX by phone and email that they don't know why they made that charge but they're investigation is taking weeks meanwhile I filed with US Bank of fraud complaint on XX/XX/XXXX I contacted them a week ago for further information and they advised me the complaint was filed wrong and they would correct it, the conversation today they advised me for the first time that the complaint was denied on XX/XX/XXXX and that refiled until day before yesterday.

Also I advised in the account is fully funded by Social Security direct deposit and therefore as a protected account and not subject to garnishment other than child support or taxes and this is neither, they are unaware of any protection afforded by Social Security, something I believe they should be aware of. Now they want to take their sweet time up to 90 days to resolve this with no provisional credit being made. This is unacceptable.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year>, a scammer advertised a XXXX XXXX for sale for {$450.00}. Scammer asked me to send half of the funds on shipment and the rest on delivery. Scammer presented a tracking number indicating shipment of item and had me send over {$220.00} over XXXX. Upon sending, I checked the tracking number and it was a fake tracking number. I asked the scammer why the tracking was not valid and they immediately stopped responding and deleted their account. I have full transcript of the conversations between myself and the scammer that I will attach. 

I immediately filed a dispute with both XXXX as well as my Bank, Ally Bank ( XXXX XXXX ) when this occurred on XX/XX/year>. I sent over all supporting documentation, including transcripts that detailed how the scammer scammed me to send over {$220.00} via XXXX and immediately stopped responding after I inquired about the fake tracking number ( The full transcript is attached ). Ally just concluded their investigation on XX/XX/year> saying that it was not a scam. However, it remains that I have been a victim of a scam and have lost {$220.00}.

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 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a business customer. We use BoA to pay bills, receive money and etc. We had initiated a wire at XXXX PST. They held funds til next day. There is not proper reason when the funds were available. They intentionally process transactions out of order and caused this transaction to be held.

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 2024-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My wife was in a XXXX XXXX  and we struggled to keep up with payments however we stayed on top of them. However we did have a few check bounce and made it right so that we were not late. Bank of America will no longer allow us to make payments online and will only accept certified funds. Thais forces us to pay {$15.00} each month for a certified check. I want to pay my Bank of America mortgage out of my Bank of America checking account each month. Also when this first happened and could no longer pay online a XXXX XXXX XXXX  gave me address XXXX  XXXX XXXX XXXX XXXX, TX XXXX to make my payment. I mailed the certified check on the XXXX of XXXX and they returned on the XXXX of XXXX as a return to sender. Come to find out this address was for payoffs and not monthly payments. I had to call Bank of America back and get the correct address to overnight the check with cost an additional $ XXXXbecuase of the wrong address that the XXXX XXXX  gave me I was hit a 30 day late which we should not be given since I was giving the wrong address. I have the envelope that left XXXX XXXX on the XXXX of XXXX and the check receipt if you would like this to investigate. I believe Bank of America is not an advocate for thee customers and do unfair practices.

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 2024-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I called Santander because I lost a XXXX pts on my credit. 
I spoke to a XXXX, who was the manager. He told me the vehicle was dropped off. I couldnt do anything because it was on its way to the auction. They would sell the vehicle and take it off my credit. On XX/XX/XXXX they emailed me about refinancing the vehicle. I called them. They told me it was a mistake and they sold the vehicle. They took the vehicle off my credit for a few months. Then put it back on there with false history. I asked for the identity theft department. They sent me a packet in 2023 without the info needed to fill it out. They have been no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
Upon applying for the Concora Destiny credit card I was charged {$250.00} for the annual fee.

I was completely unaware of this charge.

I immediately closed the account. I did not activate the card.

Company response to consumer: Closed with monetary relief