vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I applied for a JetBlue Plus card on XXXX XXXX due to an advertised bonus. On JetBlue website while purchasing flight tickets they advertised XXXX bonus points with a new jetblue card. There was a {$99.00} annual fee and I have never had an annual fee card so myself and my husband called the customer service number to confirm prior to applying. The rep confirmed the terms of the promo were that as long as you paid the {$99.00} fee and charged over {$1000.00} in the first 60 days you would get XXXX bonus points. I clicked the linked and applied for the card and received instant approval. I also took a screen shot of the advertisment and copied the " fine print '' to save for my records. 
I then fulfilled both requirements and contacted Barclays ( the lender of the JetBlue card ) to see if I needed to do anything else. They stated it would automatically be credited after 60 days. 
I noticed I only received XXXX points and immediately contacted them and they then claim that was bonus offer I applied for. I have repeatedly provided all of the documents proving that is incorrect. In fact the promo was widely advertised, even on the flight I took in may, and was still advertised during the period I was disputing and contacting Barclays. I also have several family members that have the same experience ( we were on a family trip so all applied ). Barclays has been unwilling to resolve this issue however I am confident that I took all the steps required. There was NO bonus offer for XXXX points advertised when I applied-I would not have applied. I have great credit and did not need the card the only reason I was willing to pay {$99.00} for the card was because it would be beneficial with the XXXX points which is why I ensured I was understanding the requirements. Please help resolve.

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 2021-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
THIS IS THE THIRD TIME IAM MAKING THIS COMPLAINT AND I THINK BANK OF AMERICA KNOWS THERE IS A PROBLEM WITH THE LOAN AND THEY ARE NOT TRYING TO ASSIST ME. 
THE PERSON HANDLING THIS CASE WITH BANK OF AMERICA IS XXXX XXXX. HER PHONE NUMBER IS : XXXX XXXX. 
SHE DOES NOT RESPOND TO MY CALLS EVEN AFTER SHE INFORMED ME THAT SHE WILL SEND ME EMAIL OF HER FINDINGS BY THE XXXX OF XXXX. WHEN I CALLED HER, SHE WAS AWAY ON VACATION. 
THE OTHER INFORMATION SHE GAVE ME WAS THE WRONG ONE AND SHE AGREED THAT THERE WERE TWO ( 2 ) ACCOUNTS THAT SHE SAW. i TOLD HER THAT THE OTHER ONE WAS THE ONE I WAS TRYING TO INVESTIGATE. 
AS AT THE PRESENT TIME, SHE HAS NOT EMAILED ME THE FINDINGS OR RESPONDED TO MY NUMEROUS CALLS. 
MY PROBLEM WAS THAT MY EX-HUSBAND HAD USED MY DOCUMENTS TO ILLEGALLY TAKEN A HOME EQUITY LINE OF CREDIT OF {$150000.00} ON MY HOUSE BECAUSE HE HAD ALL MT DOCUMENTS. BANK OF AMERICA WERE THE INITIATOR AND THEY HAVE THE COPIES OF THE DOCUMENTS. 
ALL I WAS ASKING FOR WAS THE BANK THAT THE CHECK WAS DEPOSITED AT THE TIME OF ISSUANCE AND A COPY OF CHECK. 
PLEASE ASSIST ME. 
THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I could not login to my Ally.com acct as of XX/XX/2021. I reached out to Ally immediately and I was told to call back the following day to talk to the Loss Prevention Department. I called on XX/XX/XXXX and explained I was traveling in XXXX and was trying to access my account. The agent I spoke said that should be fine and said restrictions have been lifted. After coming back to the XXXX, I logged in today ( XX/XX/XXXX ) and found restrictions are still in place. I couldn't transfer funds out to another bank and couldn't activate my debit card. I called Ally again and spoke to different agents. They couldn't explain why the account is locked.

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 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is posting incorrect information. XXXX XXXX XXXX filed a lawsuit, I obtained a lawyer and it was settled XX/XX/XXXX. Experian falsely is posting on my credit report I owe a balance. I have contacted them, provided a picture showing it was settled. They refuse to remove. I contacted XXXX XXXX XXXX per the court record and they said they sent official notification on XX/XX/XXXX it was settled, and was sent to ALL THREE credit reporting agencies. XXXX and XXXX are reporting correctly. I contacted Experian with this information provided by XXXX XXXX XXXX LAWYER and they said they didn't receive the legal document. XXXX XXXX sent it again XX/XX/XXXX, and Experian is still failing to report it correctly on my account. This is affecting my credit score and ability to purchase a house. They are also reporting I over XXXX, and I actually owe XXXX. They are not keeping up to date with their postings, and I think it is a conflict of interest, and a probable cause, because they are selling personal loans and credit cards on their site. This should not be allowed. Please fine them and implement policies towards this credit reporting agency. Because they are manipulating scores to sell their products. They need to be investigated, sued and compensation given to those affected by their manipulation of OUR credit scores.

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 2021-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Properties Group, LLC
State: WA

Complaint narrative:
Good morning! My father and I was took out a mortgage loan together as borrower and co-borrower and used our home as collateral. Last year my father passed away due to covid complications. I as co-borrower called mortgage servicer to inform them on the passing of my father and to see what I can do to take over mortgage since I lived on the property. The person I spoke to informed me that the loan had just been transferred to their facility and they did not have all documents on file yet. It was then that this individual provided me with the lenders number so that I could talk to lender on what was needed on my behalf. I contacted this lender individual and asked if he could send me copies of documents they had on file such as deed/title & promissory note. He informed me he would work with me to find a solution so that I could modify loan and take over mortgage. I sent all information he needed such as my fathers death certificate, I filled out paper work he had emailed me & sent out my income information, etc. Then out of no where he indicated My sister & step moms lawyer contacted him indicating they were owners and they would be paying off mortgage loan and basically dropped me. He informed me I was co-signer and for me to get a lawyer. He informed me he would keep me in the loop on what they ( sister/step mom ) were planing on doing. I informed him I was partial owner on mortgage loan making me co-borrower not co-signer. I called him once again and he never answered. I sent email and did not get a reply to that email. I then contacted mortgage servicer to see what I can do since I had already made several payments on mortgage loan. They informed me to call lender and work it out with them. I was recently evicted from the property my father and I owned by my step XXXX & XXXX and was informed I had no legal rights. I have called so many places in which I could get some help I even hired an attorney but he basically misrepresented me and I lost out on a significant amount of money in which I could have used toward the loan my father and I obtained jointly. If theres anything you can do to help me figure out my rights or how to go about this I would greatly appreciate the help.Thank you & XXXX bless! 

Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
I have received your denial letter ( body noted below ), and Im confused. On three separate occasions ( XXXX, XXXX, and XXXX ) when I spoke to your representatives via telephone, I was told everything was good to go, and to halt continuing making payments, because I would just get this money back anyhow, and it would mess things up if a payment was made after approval. I have been making payments since XXXX, when you said that I needed to be making payments of {$580.00} per month to accumulate 12 months of payments. With the advice of YOUR employees, I halted my XXXX payment. Now Im told by you that I am supposed to make these. This is extremely confusing and frustrating. 

According to the CARES Act, dated XX/XX/2020, months during the pause will continue to count toward the 120 payments required by the Public Service Loan Forgiveness program if the borrower works full time for a qualifying employer during the suspension period and also toward payments that are required to receive forgiveness under an income-driven repayment plan. 
I am seeing data that states that I had to already be in an income-driven repayment ( IDR ) plan prior to signing of this bill. Is this the reason for the denial, or is it as your employees stated to me, that I am automatically included in this? But since I am actually NOT in an IDR ( just the equivalent ), does this even matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I CONTACTED PAYPAL VIA THERE CHAT SERVICE ON XX/XX/XXXX AND SPOKE W AGENT XXXX AND ADVISED HIM THAT THIS LETTER I GOT IN THE MAIL DOES NOT BELONG TO ME. I UPLOADED THE LETTER IN THE CHAT SO HE COULD SEE IT AND HE ASKED IF THE EMAIL ADDRESS OF XXXX WAS MY EMAIL ADDRESS AND I SAID NO. I SAID I USE MY WORK EMAIL ADDRESS OF XXXX AS MY USER ID FOR PAYPAL. HE SAID HE WOULD SEND THE REQUEST THRU TO PAYPAL 'S UPPER MGMT AND THAT I WOULD GET A CALL AND TO THIS DAY XX/XX/2021 STILL HAVE NOT RECEIVED ANY KIND OF INFORMATION OR CALL FROM PAYPAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have tried many times to get a proper response from Midland credit Management and they have failed to do that. I provided them with sufficient evidence to prove my case of identity theft and never got an answer from them. I had a trial set for XX/XX/2021 and never got a notification of continuance from them and missed a day of work for nothing. They have committed violations under the FDCPA section 805, 807 and 809. I have sent numerous emails to their agency and lawyer ( XXXX XXXX ) and never got a response from them either. This is very irresponsible and insensitive and is causing collateral damage to my credit report and impacting my life very negatively at this point. As I can not get approved for credit cards or loans because of now years as a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
In XXXX we realized that funds were missing from our personal bank account directly after making an automatic payment online for our vehicle payment. We were alerted by our bank to the fraud caused by Ally Financial 's payment processor and advised us not to permit payments through their online system. Then we received a letter from Ally Financial stating that we were victims of identity fraud and financial theft due to a breach in their security system and online payment processing. The automatic payments were cancelled and I attempted to go online and authorize individual payments after that and each time it would not allow me to make a payment or the website was down and I tried to call Ally each time and let them know that I had attempted to make a payment. I was told that the system was being updated and to be patient. Now that they have refused 3 payments they are claiming the vehicle is in repossession without any written notice nor ability to make a payment. I even called 3 times this past week and tried to pay the account in full and the payment was stopped by XXXX XXXX for ANOTHER report of FRAUD! The customer service rep from XXXX Bank told my parents that Ally has been flagged for fraud by the FDIC and they recommended finding another lender. I am now working to trade the vehicle in and obtain another loan with a different financer.

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 2021-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XXXX I noticed several charges to my Wells Fargo XXXX  XXXX XXXX XXXX with a description of " ONLINE PAYMENT ''. For example a charge of {$52.00} was made on XXXX. I contacted the customer support team at ( XXXX ) XXXX on XXXX at XXXX XXXX  Eastern time to determine what had happened. 

The customer service rep advised that there was a bug in online banking and it was crediting online transfers from my checking accounts to my credit card multiple times in error. She believed the bug had been fixed and the corrections had all posted. 

Later that day more corrections began appearing some with transaction dates going back six weeks before the posting date. For example a " BANK ADJUSTMENT '' of {$87.00} posted on XXXX with a transaction date of 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 2021-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Issue : I am a victim of credit card fraud but Chase has held me responsible for a fraudulent credit card charge, which is illegal according tot he Fair Credit Billing Act.

Timeline of events : Around XX/XX/2021, I received a text message from Chase on my mobile phone device indicating that suspicious activity had occurred with one of my credit cards. Chase asked me if I had authorized a purchase from XXXX XXXX and I indicated that I did NOT authorize those charges. When I logged into my online account, I saw a charge for {$1700.00} and some additional charges related to XXXX XXXXXXXX purchases. Chase was able to cancel the XXXX purchase which was only pending at the time. I called Chase to confirm with them verbally that I did not authorize those charges. Representatives at Chase said they would give a credit for the {$1700.00} charge and that I would not be responsible for it. They deactivated my credit card and sent me a new one in the mail. 

Around XX/XX/2021 over the weekend, I noticed that the charge for {$1700.00} was posted XX/XX/2021. I called Chase over the weekend but they said I had to call a different number and could not help and that service was available only during the weekday. When I called the first number given, I was given another number and another time that was more restrictive to call. When I called the fraud department on Tuesday XX/XX/2021, I spoke with Chase representatives about my issue. They reported that upon their investigation, the fraudulent charge was considered " authorized '' by me because apparently the ticket was purchased by someone using my name. I argued that this was a case of identity theft and fraud and whatever alerted them to suspect fraud was correct. 

Chase said they would be willing to reopen the investigation but that it could take time to resolve. I emailed them additional information and called XXXX XXXX for more information. When I called XXXX XXXX, they were able to confirm someone used my credit card and my name to purchase a business class ticket from XXXX to XXXX on XX/XX/2021. 

XXXX XXXX was not able to give further information upon my request and they suggested I reach out to the credit card company, Chase. 

I provided Chase with an email showing evidence that on the day when someone stole my identity and traveled from XXXX to XXXX, I was in fact in XXXX CT. I am able to provide evidence showing credit card purchases from XX/XX/XXXX at restaurants in XXXX. Additionally, I emailed them a XXXX XXXX XXXX  of my hourly whereabouts on XX/XX/2021 when someone stole my credit card and identity to travel from XXXX to XXXX. I clearly demonstrated that this was a fraudulent purchase that occurred on XX/XX/XXXX and identity theft on XX/XX/XXXX, as I was nowhere near the Airport. This evidence will also be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account and will not help me getting it back up and going. I am not sure if this is some some mistake as I assume it has to be. I have been not able to get help from them for days but I just remembered that I could file a report on here and I feel they are not doing there job properly and it is affecting me a great deal as I used paypal quite frequently. My email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, I deposited a check with Navy Federal Credit Union. I was informed in writing ( via email ) that the check would clear in 2 business days. I was provided a XXXX dollar credit, out of XXXX dollars. I was then informed on the 2nd that the check would be held for 5 days. This is an insurance check for losses sustained by me in a car accident. I was told that the check had a high probability of not clearing, though I have never had a check not clear my account. I have been with this bank for 3 years. I was told security department did not work the weekends, yet they can determine on a Saturday that a check needs to be held?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
In XX/XX/XXXX, we purchased jewelry from XXXX XXXX. and they strongly recommended that we open a XXXX credit card account to take the advantage of paying off the jewelry over a period of time without interest. We followed their recommendation and opened an account. The card was actually with Comenity Bank. There were two different purchases. To avoid interest the balance of one had to be paid off by XX/XX/XXXX ( {$1800.00} ) and the other had to be paid off by XX/XX/XXXX ( {$5200.00} ). 
In XX/XX/XXXX, we noticed they charged the late fee and we called them, they refunded the late fee. And with their representative, we requested Comenity to set up automatic payments on the account in an amount that would pay off the balance by the XX/XX/XXXX deadline. Prior to that we had been paying {$450.00} a month on the account. Comenity started the automatic payments at {$310.00}, then changed them to {$300.00}. 
When we checked our XX/XX/XXXX bank statement, we saw that Comenity had continued to take {$300.00} out of our account, then we checked the Comenity statement and found that they still showed a principal balance on the account and had added over {$1500.00} in finance charges. We called to complain.

Comenity stated that the automatic payments were not enough to pay off the principal by XXXX, because it was minimum payment which is bad excuse because we set up with their representative for a minimum payment necessary to pay off the account in XX/XX/XXXX. We can not accept this excuse. We requested that they reverse the finance charge and allow us to pay off the remaining principal since the automatic payments were supposed to have paid it off without interest in XXXX as we discussed with their representative. They refused. 
After this, we saw the reviews about this bank, many people were trapped by them in this way or another. 
Our bottom line is that we talked to their representative and requested the autopay be set up to pay off the balance before XX/XX/XXXX ; the payment amount was calculated by them ; and they also automatically changed the payment amount from {$310.00} to {$300.00} in XX/XX/XXXX. 
We have made a payment to them for the remaining principal and need your help to get them to rescind the finance charge and change their behavior so more innocent people are not trapped and cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I XXXX XXXX Have been Victim of identity theft. I have called this company many times about this problem. This company EOS CCA is a debt collection agency I do not own them any money. I have never hear about this company and this company is reporting that I owe them money to the 3 credit report companies that I owe them money. This company has been harassing me with phone calls, letters, and threatening me.

Company response to consumer: Closed with explanation