vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Citizens Bank regarding several accounts ( Checking, multiple CD accounts ) My father passed away on XX/XX/2023. His accounts at Citizens were designated as payable on death to me, his son and only heir. 

On XX/XX/2023, I downloaded, completed, notarized, and submitted the appropriate Citizens form with an original death certificate to begin the process of closing the accounts and transferring the accounts. 

On XX/XX/2023, after not hearing back from Citizens, I attempted to inquire about its status by contacting Citizens Bank 's customer service. However, I was directed to my father 's bank branch in XXXX XXXX, PA. The bank representative at the branch confirmed that they had received the information about my father 's passing and requested additional documentation, specifically a funeral bill, which I promptly provided. The next day, I was informed that the release of funds hinged upon my submission of a short form from the Pennsylvania court system. 

I told the bank that I will not be able to provide a short form as there is a delay in processing the will ( which does not affect a payable on death account. ) XX/XX/2023 After consulting with an attorney, I have come to understand that such documentation is unnecessary for accounts designated as payable on death. Furthermore, there is a time constraint as I have less than a month left to take advantage of the opportunity to settle estate taxes ahead of schedule to receive a discount in relation to these accounts. 

I sent a registered letter to Citizens corporate address, XXXX XXXX XXXX, XXXX, XXXX XXXX. They confirmed that they received the original form, but then sent then forwarded my letter back to the branch that is denying the account transfer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I requested an update by XX/XX/2023 and have not heard back from the bank handing the account. 

It's important to note that Citizens Bank is the sole financial institution requesting this additional, unnecessary information. 

This situation has become increasingly frustrating, exacerbated by the fact that despite my efforts to seek assistance from Citizens ' customer service and to connect with someone knowledgeable in estate planning, I am consistently redirected to the branch that has deemed these extraneous documents necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: PA

Complaint narrative:
There are XXXX inquiries on my Transunion credit report that did not originate from me. 

XXXX is XXXX XXXX, on XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. Phone XXXX. XXXX type - individual, permissable purpose = written authorization. The phone number did not work when I tried to call. I did not request whatever this is. 

Second is XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX, XXXX, DE XXXX. Phone : XXXX. XXXX type : individual. I did not request any new credit of any kind from XXXX XXXX or XXXX Bank.

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 2023-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I received a call from my insurance letting me know that they received a call from my mortgage company Nationstar Mortgage - Mr. Cooper, asking if my insurance policy was still active. The insurance company called me and informed me that my policy was cancelled XX/XX/2022 for lack of payment. As my insurance payment is included in my escrow account, this means the mortgage company failed to comply with XXXX Timely escrow payments and treatment of escrow account balances. The last payment they made to my insurance company was in XXXX of XXXX. 
This is the second time my home insurance has been cancelled with Nationstar as my mortgage company. I am horrified to find out that my family and I have had no home insurance for a year. Living in California I have experienced many earthquakes and live close to some devastating fires. Without insurance, my family and I would have lost everything because of their negligence. I am extremely concerned that this will happen again and my home owners insurance will lapse again. 
This is unacceptable and incredibly stressful. 
I tried contacting them today, but was put on a message loop and was unable to speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/2023 {$8400.00} XXXX was removed from my Wells Fargo bank account via an online wire transfer. I was not notified of this transaction nor did I have any involvement in authorizing it. I immediately contacted Wells Fargo where they advised me that the money was sent to another person who I have no connection to. Wells Fargo informed me that the money was removed from my account ; however, the funds were not yet fully deposited into the other bank account. Despite the money not yet being deposited into the other account and the money not being in my account either, Wells Fargo was unable to tell me where the money is. I advised Wells Fargo that I never placed or authorized this transaction and had no involvement in doing so. Wells Fargo told me that it had to be my fault since the person who made the transfer used my information. Law Enforcement was then contacted and quickly identified and located the suspect who conducted the transfer. Due to the suspect being outside of the range for extradition, the suspect has yet to be arrested. The criminal investigation revealed that my personal cellular device was either compromised or a phone port was used to access my Wells Fargo account. Additionally, Wells Fargo informed me that they sent several passcodes via text to my phone which I never received. Despite Wells Fargo already having this information they still made me request my phone records which clearly showed that I did not receive any such messages. Wells Fargo has continued to refuse to refund the money that was stolen from my account and shifting responsibility to me for their own failure in fiduciary duties to protect my funds. Law Enforcement also has a subpoena for my bank records to further show that I did not have access to my account in regards to this transaction. I have attached the initial police report to this submission. This report does not have all of the information that has been discovered over the course of the investigation and only provides a brief overview of the case.

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 2023-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts that appear in my consumer report, which is maintained by your agency. According to the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b and 15 USC 1681c-2, I believe that these accounts should not be furnished on my consumer report for the following reasons : Under 15 USC 1681b , Section ( a ) - Permissible Purpose of Consumer Reports : Subsection ( a ) states that a consumer reporting agency may furnish a consumer report under specific circumstances.

Clause ( 2 ) of this subsection allows for the disclosure of consumer information in accordance with the written instruction of the consumer to whom it relates.

I have never provided written consent to any consumer reporting agency to report the information in question on my consumer report. This constitutes a violation of my rights as a consumer.

15 USC 1681c-2 : This section of the FCRA mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft.

I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter and have obtained a reference number for my case ( XXXX ). This indicates that the information in dispute may be a result of identity theft.

I am formally requesting the immediate deletion of the following accounts from my consumer report : Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES ; Name : XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/2023 UNAUTHORIZED ADDRESS ; 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023, I learned that for two years, my husband and I have been receiving 0.3 % interest on our XXXX savings accounts at Capital One. This is despite Capital One 's well publicised increases in savings rates over the past two years. On XX/XX/2023 ( and still today ), Capital One shows their savings interest rate as 4.3 %. Yet, they have given us only 0.3 % They have only one type of savings account ( there is a kid 's checking/savings and a CD but only one savings. ) My concern is that Capital One is paying its older customers a lower rate than new customers for the exact same savings accounts. This is highly concerning. We lost out on approximately {$20000.00} in interest. We have over {$500000.00} at Capital One. 

On XX/XX/2023, I wrote to XXXX XXXX, XXXX of Capital One. His office responded that they can offer any accounts they want and they can not help me. No explanation about the 0.3 % rate or why it was not published anywhere on their website. 
I would appreciate any help the CFPB could provide to recover lost interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked two hotel rooms in XXXX, XXXX this past XXXX for a week 's stay occurring between XXXX and XXXX for which I was billed XXXXXXXX XXXX. I agreed to pay for my stay using my Chase Bank XXXX XXXX credit card, which is advertised to have no foreign transaction fees. The highest foreign transaction rate between British pounds and US dollars that was in effect the day the transaction was charged to my Chase credit card ( XXXX ) was XXXX, which should have resulted in a charge of {$7400.00} USD to my credit card. Instead, I was charged {$7700.00}, a difference of {$290.00}. 

When I Inquired about the bill to Chase, Chase conducted an investigation, which confirmed that the original hotel bill was valid ( something I don't disputed ) and provided me documentation from the hotel indicating that the foreign transaction rate used was XXXX, which accounted for the discrepancy between what I expected to pay and the final cost of the hotel rooms. Chase representatives told me to take up the dispute with the hotel, which I did. Both the hotel and XXXX itself claimed that they do not charge foreign exchange fees and that they did not set the exchange rate - Chase did. Chase had continued to ignore my request for clarifying whether or not it charges a foreign exchange rate surcharge despite advertising on its website and credit card literature that it does not. 

Please see attached document " XXXX XXXX charged '' showing the exchange rate used to convert the hotel bill from British pounds to US dollars on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I'm writing this to report the late payment markings on my report. It shows multiple late payments which I do not remember that I have paid late on the stated months. 
Please remove the following late payments from my report. 

You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be fixed.

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 2023-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
XXXX XXXX double registered my mortgage so it appears that there is XXXX mortgages when there is XXXX. Nobody at this bank is able to to give answers as to how this can be corrected so that we can close a sale on this property. 

My team has made a dozen contacts in the last two weeks and every member of this bank either pretends to be clueless, doesn't speak XXXX or has a non-working phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Payward Ventures Inc. dba Kraken
State: NY

Complaint narrative:
I received a notification about the closure of my XXXX exchange account. I had been trading there for about 7 years and had never violated any rules. XXXX refuses to explain their actions or discuss them. Here is their email : " Hello XXXX, We regret to inform you that we have closed your XXXX account. 

For security reasons, we are unable to provide you with the reason why and discuss this matter further. 
We apologize for this inconvenience and appreciate your understanding. 

Regards, XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are billing issues on my credit report. According to Federal Law, consumer reporting agency should never consider any payment late under an open-end consumer credit plan. 

Furthermore, us. 15 1681 states that you are to exclude solely as to transaction between the consumer and the one making the report.

U.S. 15 1681 also states that I have a right to privacy. You have violated my federally protected rights consumer rights and I plan on taking legal action.

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 2023-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
This is for Zelle. If you get a new phone and all of the mobile apps have to download again ( mine from XXXX ) then Zelle counts you as having a new account even if you have had one for many years. Zelle now wants you to wait 30 days. This is ridiculous when you have ongoing transfers nearly everyday. 

Zelles customer support refuses to talk with you which is another problem. They want you to call your bank when its not the banks policy nor nothing the bank can do about it nor can they even call Zelle themselves. 

Also I notice this issue has spun off Zelle scams on the internet which need to be taken down!!! See these fake websites where someone answers and wants you to install software on your phone do they have access to it. Please get this to the FBI!! 

XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: LA

Complaint narrative:
Delete all hard inquiries : How you delete everything on your credit report statement : ( collections ) They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer. The credit Bureaus never did a preparer investigation according to the FCRA. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character general reputation personal characteristics or mode of living is obtained through personal interview with neighbor 's friends, or associates of the consumer reported on or whom he is acquainted or who he may have knowledge concerning such items of information. 
They did not do this. 

XXXX XXXX  Balance updated {$37000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Delete ALL

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 2023-09-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Delete all hard inquiries : How you delete everything on your credit report statement : ( collections ) They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer. The credit Bureaus never did a preparer investigation according to the FCRA. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character general reputation personal characteristics or mode of living is obtained through personal interview with neighbor 's friends, or associates of the consumer reported on or whom he is acquainted or who he may have knowledge concerning such items of information. 
They did not do this. 

XXXX XXXX  Balance updated {$37000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Delete ALL

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 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
In XXXX of XXXX, I was XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, XXXX, FL. I was XXXX XXXX XXXX in the morning in my sleep, XXXX hours after the alleged incident. The house was full of XXXX users and XXXX was a common occurrence. When I was arrested, my wallet ( containing my social security card, ID, all my bank cards / credit cards, voter registration, and some cash ) and my XXXX, along with all of my other asets / personal belongings were stolen because they were left behind at the scene. Someone there, i imagine my girlfriend at the time, helped the group gain access to my phone, giving them access to all my emails and all my online accounts. I placed a fraud alert with all 3 credit bureaus upon my release and filed identity theft XXXX and XXXX. Wouldn't you know, this personal loan for debt consolidation occurred in XXXX of that same year and was placed into a XXXXXXXX XXXX account with a different account number than the truist bank account i actually used/owned. Not a single payment was made on the debt consolidation account and the account immediately went delinquent. I've had no knowledge of this loan or bank accounts existence until today, XX/XX/XXXX, at which point i contacted experian to report the account as fraudulent as a result of identity theft. I have my suspicions as to the possible culprits and will be following up with XXXX to find out more information about the account the money was deposited into, to see if maybe someone opened a joint account, after i follow XXXX 's instructions to file this complaint and upload the complaint to their website alongside a copy of my ID.

Company response to consumer: Closed with explanation