vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a checking account from US Bank ( XXXX XXXX XXXX XXXX branch ) on XX/XX/2020. The banker is XXXX XXXX. According to their offer, I should earn {$300.00} bonus when I complete two or more recurring direct deposits that total a minimum of {$2000.00}, plus enroll in e-statements. I made two direct deposits, one is {$1000.00} on XX/XX/XXXX, another one is {$1000.00} on XX/XX/XXXX. Until now, almost half a year, I still didn't receive the bonus. 

I contacted the staff in that branch for more than 5 times, and every time they said they will investigate it and let me wait. But every time there is no response.

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 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
Dovenmuehle Mortgage Inc. sent me a letter dated XX/XX/XXXX that they would be sending my unclaimed mortgage refund from XXXX to Oregon State Lands unclaimed property within 10 business days unless I contacted them. 

The letter provided information of a mortgage refund from XX/XX/XXXX in the amount of {$640.00}, check number XXXX, Loan Number XXXX with XXXX XXXX XXXX , XXXX . 

I began calling Dovenmuehle to have my refund sent to me on XX/XX/XXXX and have been calling ever since. First they advised the check would be mailed within 30 days. I called them in XXXX, I called them in XXXX and I called them in XXXX. Each time I call, I get a different story and a different time frame of when to expect my check. I am moving and I have been traveling 30 miles each day to check my mailbox to no avail. I have advised each of the following scenarios : 1 ) The first check was returned by the post office ( this has never happened before ) 2 ) The first check was not returned, it was never processed. 
3 ) A replacement check would be mailed within 30 days. 
4 ) The second promised replacement check was never processed. 
5 ) A check would be mailed the following day. 
6 ) Over a week later, after not receiving the last promised check, calling to be told the check would take 4 weeks to process in order to ensure any of the earlier processed replacement checks that were never mailed or processed were not cashed. 

I have been calling this business for over 3 months and can't get them to pay me money that they have held since XXXX that belongs to me. I believe this is an attempt to continue to keep my money instead of operating in good faith. Their story is literally, the check is in mail but never arrives. When I attempted to get them to process a change of address for me, that would delay the process another 30 days so I told them to forget it. This company is not negotiating in good faith or attempting to refund my money that they have had since XXXX. I have issues with their IVR system in that I get cut off and any attempt to talk with a supervisor results in either getting cut off or in waiting in limbo. I have spent hours chasing this money to no avail. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent the letters out to the bureaus on XX/XX/2020 and I have not received any notification of the investigation being started. I feel like I'm being taken advantage of. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been over 30 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 explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was alerted by Bank of America on XX/XX/XXXX of possible fraudulent charges to my Bank of America Travel Rewards card. I quickly logged in electronically and verified that the 10 charges were fraudulent. I was out of town in North Carolina at the time and had my card in my possession. Surprisingly and startlingly, Bank of America denied my claims. I asked them to reopen the case as it was IMPOSSIBLE that the charges were mine. I just received notification that they denied my request again. It is physically impossible that I made the charges or signed for them. No one else was in possession of my credit card. I have received absolutely no proof that they have that I made the charges ... because I DID NOT MAKE THEM. I am frustrated by the customer service on this issue for a bank I have done business with for over 30 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Found fraudulent account related to my SSN but with a different Name and Address.

> Credit Cards ( 4 cards not mine ) XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX CAPITAL ONE BANK USA NA Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX XXXX  XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX/XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX > Personal Loan : ( 1 account note mine ) XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX > Other Accounts : ( 3 accounts note mine ) XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX All accounts reported to my SSN shows as CLOSE or PAID, but they are damaging my Credit Score and Reporting.

Not under my name and need to get removed by Creditors.

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
my name is wrong and 2 previous addresses are not mine

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 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I tried to open a bank account and Valley Bank put two remarks on my consumer report stating I owe them a balance which I have paid and have a receipt. They also reported Account Abuse when there was no such account abuse. The balance owed to Valley Bank has been PAID and satisfied. Yet, Valley Bank will not remove the two remarks on my Consumer Report/XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OH

Complaint narrative:
My Cashapp account was closed due to something that was not disclosed. I have been trying to get ahold of support all day. The only sketchy thing that happened was two days ago when I put an order for one share of XXXX XXXX but cashapp crashed and ordered two without my approval. I depend on this account for my investments and was a week away from opening a buisness account with square for my freelancing work in which I also depend on cashapp for besides XXXX. I need this account for my day to day life. Today has been XXXX because of this. I have almost XXXX in that account and I cant do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BANK OF AMERICA located at XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX showed we had a balance of {$270.00} and they wrote off {$540.00}. This occurred around XX/XX/XXXXand at that time, B of A submitted our statement to an email account that was no longer valid, therefore they should have received an error message that the message could not be sent. However, they continued to send the statement via email for months. Finally, they sent the collection letter to our home. I promptly contacted the Bank of America and informed them that the email address was not valid and they should have been sending us a statement to our home. At that time, I advised I would pay the outstanding balance that we charged on the card, however we would not pay for the late fees that had amounted over the months. They refused to waive the late fees. I asked for documentation at that time and proved to them based upon the information they provided that we did NOT receive the statements however again they refused to waive the late fees. At that time, I paid the balance owed except for the late fees which now appeared to have continued to accrue until they wrote off the balance. The written off balance was NOT charges that we made but ONLY their late fees incurred as a result of them emailing the invoice to an invalid email account. I would appreciate your looking into this. Thank you Sincerely, XXXX and 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 explanation
Consumer complaint received 2020-12-11 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I visited the American Express website on XX/XX/XXXX and was shown an offer to apply for the " American Express Platinum Card '' with an offer of earning 10x Membership Rewards points on applicable purchases at US Supermarkets and US Gas Stations as well as a XXXX Membership Rewards bonus after meeting a minimum spend requirement. On XX/XX/XXXX, I contacted their customer service ( both via website chat and by phone ) to inquire as to why I am not earning 10x Membership Rewards points as I should be. I was told that I would receive a call back by the end of the day which never came. On XX/XX/XXXX, I contacted customer service by phone and was told that, despite the website offering me the offer described above, that I would have to be " solicited '' for the offer via email or mail. The representative became defensive when I questioned why the offer would be shown to me on the website if it were not valid. I believe I was falsely advertised to and am entitled to both the 10x Membership Rewards earning rate and the XXXX Membership Reward sign up bonus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, 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:
On or about Experian credit report XXXX XXXX my Insurance company XXXX XXXX. paid off my totaled vehicle now the check was cash by the creditor XXXX XXXX onXX/XX/2020. I checked my credit because i have www.experian.com it informed me that i was ( 4. ) Months late with XXXX XXXX i was furious because not only was it four ( 4. ) months late but my credit dropped almost 50 points causing me problems getting a mortgage to purchase my house. Now i contacted Experian to no avail. I wrote them a certified letter they final removed it after call XXXX 's XXXX. Now here 's the problem they have not put back my score to were it should be this is very damaging because again there causing me problems to obtaining my mortgage. I have the evidence and documentations to prove everything im stating herein. 
Second cause for Action on or about XXXX XXXX I logged into my Experian report to find again another company namely XXXX XXXX is reporting late on my Experian credit report only mine you no of the other agencies are reporting this so i called XXXX XXXX they acknowledge that my payments are up to date and i never missed a payment for XXXX or XX/XX/2020 again i have bank statements to show proof of he XXXX XXXX payments being paid by my bank XXXX XXXX. Now lets keep in mind this has dropped my score again 48> Points in the negative for an incorrect late reporting by Experian I am going to sue Experian which is no question about that the suit will be for in the XXXX District Court of New York here in the amount of {$500000.00} for Damages, Pain and Suffering, Mental anguish, Deformation of Character, Destroying my credit rating score because this is an on going issue what they have been doing to me it wouldn't be so bad if they corrected it and put my score back to were it original way. But these are the little ''Nasty '' games there praying on people in a time like this which is a ''Pandemic '' is really really troubling. I am also going to file a FTC complaint and a Complaint with the XXXX XXXX XXXX asap.

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 2020-12-11 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX took money from my business TD bank account, I informed TDBank that XXXX. Com was taking money from my account but was not paying on my trip from XXXX XXXX to XXXX XXXX XXXX weekend 2020 Td bank refunded the money but late recouped it back and said XXXX had the right to take my money and not refunded me, I informed TD bank XXXX. XXXX is a fraud Company and is under investigation by the Attorney general of Florida and Massachusetts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i have 2 previous addresses that are not mine see letter of explanation

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 2020-12-11 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made a purchase with my credit card on XX/XX/XXXX. I was billed on XX/XX/XXXX. The items were not shipped so I canceled the order on XX/XX/XXXX. After complaints to XXXX, FTC the company shipped on XX/XX/XXXX after a complaint to the FBI Internet Crime. My bank is charging me for this unordered merchandise. This is a Visa credit card issued by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX Chase Credit Services sent correspondence lowering my credit line during " annual '' review. Issue comes into play as follows : 1. Letter indicates call/respond any isssues/concerns 2. Sent response XX/XX/XXXX, 4. XX/XX/XXXX, called Chase to have " nothing we can do '' script re-read to me numerous times 5. XX/XX/XXXX, resent replies to the above 6. XX/XX/XXXX, receceved phone call from Chase rep to really re-state initial script, this time not condescending My concern : I have had this account since XX/XX/XXXX ; currently not late, never late, on-time payment history. Credit card ( Chase ) utilization 36 % credit limit. 
Chase now lowers limit ( XX/XX/XXXX ) which now puts my utilization at 96 % - this is now a credit " hit '' .. Chase will re-consider by pulling a new credit report, with my approval, but this at a cos to me ... another " hit '' to my credit, as this is hard-pull. 

My other credit accounts do have high usage .. but all have long histories with creditors and NONE OF THEM ARE LATE AND HAVE STELLAR PAYMENT HISTORY. 

Understand Chase can determine who and how much to loan to ... but by lowering this credit limit this drastically affects my credit in now another bad way ( lowers my score even more and with suggested hard-pull, lowers it again - and stays on report for 2 years. 

How do consumers who are doing the right thing, pull out of these type issues, when the financial institutions that make claims to help are really not. Again, believer businesses need to underwrite accordingly, but there are portions that hurt this very same consumer ... and to have representative repeat a script is not helping either. 

If institutions can somehow pull a report to determine a lower credit line without affecting credit, why can they not use this to make a reconsider or underwriting call? Very frustrating. Especially since the calls also make me feel as if I am in the wrong or not have not been making payments or holding up my end of credit card responsibility with Chase. 

The available Chase representatives do not seem to able to assist, so my only stop is here. 

Thank you so much for your time to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
For months this Company has been calling me ( and 3 other family members who do not share an address with me ) about an old debt that I assumed was settled but can not verify. They state that they have repeatedly tried to serve me papers at my home address which they will not verify for me when asked. They emailed me a " contract '' but when I asked to mail me all documents and to verify this debt owed they refuse by saying that's not how the system works and they can not trust me to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On two occasions a person used my Chase Bank credit card number to make online purchases. XXXX XXXX {$1900.00} was charged to my card ending in XXXX at XXXX XXXX store number XXXX, XXXX County Texas. On XXXX XXXX a charge on the same card for the amount of {$1800.00}. I found out about this around The third week in XX/XX/2020 when I logged in to Chase bank to make my Auto loan payment and noticed the charges on my card. I notified the Chase fraud department and the canceled the card and removed the charges. Two weeks later they sent me a new card and put the charges back on the new card. I have spoken to them well over a dozen times and never get an answer as to why. I have spoken to both of the stores and obtained documents from both of them detailing who the person was who picked up the items at both the stores, his name, email address and phone number. I have provided all this to Chase as well as the police report number I filed for Identity theft with XXXX county Texas Sheriff 's department. I have asked Chase several times what they have learned from XXXX XXXX and the answer is nothing. Chase says that I should get a statement from XXXX XXXX saying the charges were fraudulent. Home depot says they will do that but Chase has to request it not me. I am stuck between two huge corporations that wont lift a finger to help me and now my credit will be ruined because of it. Chase simply is not investigating this matter, they have never contacted XXXX XXXX. How can someone charge almost {$4000.00} to a credit card, give a different name than what is on the card and never once get asked for identification? I am attaching two documents I obtained from XXXX XXXX please pay attention to the name given at the store, his telephone number and the fact that XXXX XXXX emailed this person telling them that his order was ready for pick up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc.
State: CA

Complaint narrative:
My grandmother went to get a car around XXXX and she was not approved because of her credit was limited so she asked me to cosign for the car. Unfortunately she XX/XX/XXXXon XXXX of XXXX and we tried to notify the dealership about the problem and they never responded and told me that it was now my problem. They later came to reposes the car without even notifying me or calling me back. Now it popped on my credit report as a repossession and I never even had a chance to make any types of arrangement. I feel like this was handled with complete lack of faith to help from the bank. I even sent them proof

Company response to consumer: Closed with explanation