vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with CitiBank on XX/XX/2020, under a promotion that I would receive {$400.00}. The promotion clearly stated that I would receive {$400.00} after keeping {$15000.00} total in my Savings and Checking Account. I had a total of {$15000.00} on XX/XX/2020. Two months later I reached out to CitiBank and they told me that I would receive the {$500.00} in XXXX. A few months after that, I reached out to Citibank again and was told I would be receiving {$500.00} no later than XX/XX/2020. Today, I called CitiBank since I have not seen the {$500.00} in my account yet. CitiBank said that I was missing some documentation, but could not tell me exactly what I was missing. I've been giving the roundabout too many times already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I'm a veteran using a VA loan. I received a letter from the state of Maryland explaining that I'm taxed exempt as of XX/XX/2019. I started off with XXXX XXXX  and shorty after my loan was transferred to Freedom Mortgage. I provided the letter to Freedom Mortgage as soon as the letter was provided from Maryland. Freedom mortgage have not applied my tax exempt status. They are telling me that they don't know if the letter means partial or full exempt. From my experience exempt means exempt. This is causing a lot stress because I'm paying more for my mortgage than I'm supposed to.

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 2020-08-11 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: PNC Bank N.A.
State: NC

Complaint narrative:
Trying to set up my children with a XXXX XXXX card and unable to do so. 

Also, I have an issue with online payments. I pay my mortgage online every month before the XXXX, yet it does not transfer the payment until over a week later. I will be canceling my account with PNC tomorrow because of this practice. You are incurring interest on my loan by your negligence in transferring my funds in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a card for unemployment benefits. I'm still working and never applied. They said they closed it but I am still getting mail about the benefits. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit card or prepaid card ISSUE Problem getting a card or closing an account

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Currently I have has a business account with Wells Fargo for an LLC since XXXX. This has a business credit card with a credit line of {$25000.00}. All balances have been paid in full monthly since this account was opened. Opened a second LLC partnership in XXXX, XXXX. A second business account was opened at Wells Fargo. A business card application was submitted and denied credit on XX/XX/XXXX. A credit line was requested for {$50000.00}. A complaint was lodged with no success and intervention by local bank manager. Even approving {$25000.00} would have worked. No interface with their credit card department only clerk level as their system is designed. Denial reason was, " your business has not been established long enough to meet program requirements ''. Very interesting with a XXXX credit score and assets of over {>= $1,000,000} and NO debt. Also noteworthy is I'm a XXXX veteran, XXXX XXXX XXXX and my partner is an XXXX. I know many others who have easily gotten such a credit card. Additionally, my treatment changed after I made numerous complaints XXXX timeframe about Wells Fargo regarding denial of a PPP loan which was in contravention of the legislation. With Congressional help, this was approved another bank quickly. No admission of wrongdoing was forth coming by Wells Fargo Senior level executives. Actually got 6 denial letters from them. The scenario has all the appearance of flagrant discrimination by Wells Fargo and I want this investigated.

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 2020-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Attention : In Concerning to XXXX XXXX XXXX and XXXX XXXX, inaccurate information. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX has been reporting inaccurate information to my credit record for some time now, I first know about this account when it show up on my credit report. I then contacted XXXX XXXX XXXX and told the bank of the wrongfully report on my credit report. 

I've send several letters to the three credit companies, asking for this company to be deleted from my credit report. instead of being remove from my report, XXXX XXXX XXXX decided to SOLD THIS INFORMATION TO XXXX XXXX 

XXXX XXXX decided to report this information to all three credit companies which is very wrong. 

In addition, XXXX XXXX XXXX and XXXX XXXX both are now reporting this information to my credit record in which is very wrong. two companies should not be collection on the same account. 

Both TransUnion and XXXX  are now reporting XXXX XXXX XXXX as CHARGE OFF which is inaccurate. TransUnion now showing a credit limit as {$500.00} and XXXX is showing a {$0.00} balance to my credit report which is very inaccurate. 

XXXX XXXX are now reporting this information to TransUnion as XXXX XXXX XXXX XXXX XXXX, again which is very inaccurate. XXXX  and XXXX  are not reporting any information from XXXX XXXX. 

The entire reporting of this information is inaccurate completely. 



I am asking for this information to BE DELETTED from all three of my credit please. 

Thank you for your time and patient concern in concerning this mistaken reports. 
sincerely, 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 2020-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
On XX/XX/2020, I walked into XXXX XXXX located in XXXX, PA. I had the intention on purchasing a leased vehicle. I found a car that I liked and we started to discuss pricing. The sticker price for the vehicle was {$32000.00}. I told them that my credit was pulled at another XXXX dealership but I was unable to purchase the vehicle because it was not in stock. Finance then told me that they would have to run my credit again, which I did not understand. When the previous dealership ran my credit they told me my credit score was XXXX. However, upon XXXX running my credit they informed me my score dropped to XXXX. I could not understand why it would drop so dramatically within 3 days. Nevertheless, I told them I did not want to put any cash down for a leased vehicle. XXXX XXXX returned and advised that I would need to put down {$8500.00} with {$2000.00} off due to promotion and I would have to pay {$420.00} per month for 48 months to lease the vehicle. Next, finance come over with the paperwork. This was my first time buying a car so I admit I should have done more research before going into the dealership. I agreed to the terms and signed the documents. 

I returned home and told my family of my purchase. After discussing this with my family, I soon learned that I was signed into a terrible deal. Upon reviewing the contract, I saw that with my down payment and my monthly fees I would have paid {$28000.00} towards a vehicle with the sticker price of {$32000.00}. The residual value for the vehicle is {$17000.00}. So in order for me to keep the vehicle I will have to spend {$46000.00}. I immediately tried to contact the dealership with my uncle to advise that I no longer wanted the car. They refused to accept the car and told me I need to contact Kia Finance. I spoke with several representatives waiting for someone to assist me. I was told by one representative that I needed to go back to the dealership and speak with the General Manager and/or Finance Manager. I spoke with both and they again refused to accept the car back. I called back to Kia Motor Finance, and asked if they would deny my original application or void it. I was informed that this was something the dealership would have to handled. I was told so much conflicting information for days. I explained to everyone I spoke with that I feel like I was taken advantage of but no one helped me. Also, I was told that if I traded the car in or sold it that I would be hit with a very expensive early termination fee. I contacted a few dealerships but the most they would offer for the vehicle $ 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 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 I received notice from my bank, Chase, that they were DENYING payment via XXXX XXXX to two individuals in the amount of {$400.00} and {$500.00}. When I checked my Chase Checking Acct online I found that there had been two XXXX XXXX withdrawals from the account ; one for {$430.00} and one for {$500.00} ... both to one of the individuals previously named in the above " denials ''. Other than seeing those 2 transactions shown as a result of my checking my account online, I received no previous notice of any XXXX XXXX taking place and, in fact, had it not been for the notice of " Denials '' I would likely not have seen that anything was amiss. On speaking to Chase regarding the matter on XX/XX/XXXX, they quickly credited back my {$930.00} and said they would investigate. On XX/XX/XXXX I received a letter stating that they had completed their review and found that the transactions were processed correctly or were authorized and they would be taking the full {$930.00} out of my account!! I called them back to complain and again, stated in no uncertain terms that I DID NOT authorize or participate in these transactions nor did I know any of the names contained therein. They indicated they would reevaluate and let me know by XX/XX/XXXX or thereabouts. Very disconcerting after the many years of being a Chase customer to see that they do not have my back. I have started moving money out of my Chase account as a precautionary measure and may close the account if an equitable resolution is not found. And whatever happened to Regulation E? I thought that was supposed to protect the consumer against major liability in issues such as this? I have removed XXXX XXXX from my Chase Account. IN the past, whenever I have used XXXX to send someone money ( rarely ) I received a notice indicating such a payment had been made and showing to whom ... this time I got zilch ( except for the Chase message of denial as explained above. Chase does say that it denied the 2 payment requests because they " didn't hear back from me ''. Again, I never received any request from Chase regarding these transactions which I find peculiar.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2020 Experian did not resolve a dispute that was suppose to be removed due to me being a victim of identity theft. No action was taken and the company did nothing to help.

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 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I was in the mortgage process. The agent informed me that they were doing a 10 percent down program and all I needed to do was pay a XXXX dollar fee in which I paid. 2 months later when it got very close to closing he informed me that he apologizes and that the program Is not longer available and that he missed the memo that was explained that to him and that he would refund me my fee. He is now refusing and refusing the answer my calls and emails.

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 2020-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
XX/XX/2018 - My Mortgage Company Freedom Mortgage has reported late payment ding to my credit report indicating that I was late on my mortgage payment. 

However at no time did they inform that my mortgage payment late or was not paid or was short. Nor did they invoke a late penalty on any mortgage statement which each statement says that they will. 

So no notification and no late penalty fee - but a arbitrary ding to my credit report which crashed my credit score. 

Thanks

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 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I want to link my bank account to XXXX XXXX app and PNC won't allow me. 

Its MY account and MY money and that is MY right. 

I have 0 % XXXX issue finding a new bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Management continues to call me. There is no record of me owing any debt to them, either directly or indirectly. I contacted them by mail, last year when they started the harassment, to ask for proof of claim, and to inquire about the statement they sent, but they did not respond. Also, asked in the same communication for them not to call and harass, and to respond by mail as I had done. My fear is that their fraud will continue and they will attempt to bind me to some contract against my consent. Their harassment is very troubling as they call at all times of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST
State: NE

Complaint narrative:
We, XXXX XXXX XXXX, have facilitated a consumer lease buyout for a customer through Bank of the West. We dropped off payment at our local branch XX/XX/XXXX. We first began calling regarding the title XX/XX/XXXX, since that date we have completed 5 calls each with a hold time of 45-57 minutes. There were 2 additional attempts at contact, but we had to disconnect due to the extended hold time. We have spoken with 3 different individuals, but have spoken with XXXX, employee id # XXXX, the last two times ( XXXX and XX/XX/XXXX ). 1st call- We have been lied to several times : told the title was an electronic title and it had been requested-it is not and never has been. It is a paper title since orientation. We were told it had been mailed to a branch in XXXX, it was not. 2nd call-I was told that title was requested and that I would receive a call within 24-48 hours. I did not receive a call. XXXX My associate called and asked to speak with supervisor, we were given XXXX. He advised that title would be sent XXXX and that we would receive a tracking number by Monday at the latest. XX/XX/XXXX I called in and asked to speak with a supervisor. Again I was given XXXX, I vented my frustrations, was told that he was unaware of the situation, so I then reminded him that he, in fact, was the last person we spoke with. He then told me that the title was in notary status and I advised that Nebraska titles do not require a notary and had not in over 25 years. I advised him that he had lied to me and that I had caught the bank in several untruths. I asked to speak with his manager and was told that there wasn't anyone else to speak to. I advised him that I would go to our local branch and at that point he told me that there was a manager that he could leave a message for and that it would be a 24-48 hour call back time. Upon ending the call I did reach out to the local branch, but it was closed. I called the customer service line for checking, gave the supervisor there, XXXX id # XXXX, the information for XXXX and he advised that he would also send a message to XXXX 's manager. At this point it has been beyond 30 days since payoff. My customer has assessed DMV penalties and is unable to drive their vehicle legally.

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 2020-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: IA

Complaint narrative:
Applied for a loan online. Started off at what looked like a normal bank. I cant find which bank that was. Agreed to a {$1000.00} loan. Before I saw what kind of rates I was being issued or when my payment was due. It was sent to mintomoney. ( I didnt sign up thru them. ) They are charging {$130.00} a week for 10 months. So overall Ill be paying over {$5000.00} for {$1000.00} loan. I was never told this. I would have never agreed to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-08-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/2020, I sent a payment in the amount of {$2500.00} to Chase for my XXXX account. On the statement that reflected the payment was received, I was comparing my balance changes, to determine how the payment was applied, and the balance differences on one statement to the next didn't add up to the {$2500.00} I submitted! Where was the missing {$800.00}?! I contacted Chase, who said they would escalate the issue, simply asked that I keep making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
I had applied for a mortgage with loan depot and my loan was denied but no adverse action was provided to me, even after repeated requests one has not been issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: AL

Complaint narrative:
I notified the bureaus on XX/XX/XXXX of an incorrect item and address on my credit report well over 30 days ago and it has yet to have been removed or investigation completed.

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