vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 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: FL

Complaint narrative:
id theft victim 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 2019-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: SC

Complaint narrative:
In XXXX the XXXX  XXXX  XXXX in their wise wisdom because I share the same name as multiple members of my family to designate me as XXXX XXXX, of which my credit report now indicate and relate. In XXXX I originated a mortgage with XXXX XXXX XXXX titled in the name XXXX XXXX, respecting the name on my social security card. In XXXX I originated a mortgage with XXXX XXXX XXXX in the name that I respond to XXXX XXXX, and in XX/XX/XXXX in refinanced in the name of XXXX XXXX through XXXX XXXX XXXX, all were VA guaranteed loans. 

In XX/XX/XXXX, I applied for a mortgage, having processed and given documents and a specific document that indicate that in XXXX I was known as XXXX XXXX, with social security number as it is. In XX/XX/XXXX, American Financial Network INC . Upon asking me about mortgages my father, my brother, my son have taken out, I realized that I had been compromised, that another characterization of my name was being used other then the one applied under, and my identity compromised. On XX/XX/XXXX, I received a appraisal listed under the name of XXXX XXXX, of which per the social security administration I haven't used since XXXX, which goes along with the other requests. Additionally they in their efforts to create a denial ask for a bankruptcy from XXXX, which is outside the requirement for justification by the VA, in such its almost six years  old, the VA justification is at two years. 

This company compromised my name, without regards to my application, but based upon their own acts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Mercedes-Benz Financial Services, the lender, originated a loan in XX/XX/XXXX for me, the borrower. The loan amount is {$34000.00} with a term of 66 months and an interest rate of 2.99 %. I called the customer service department of the lender in XX/XX/XXXX and questioned the calculation of payments but was told that they were all accurate and correct. This month ( XX/XX/XXXX ) the loan has been fully repaid. In total, the borrower has made payments of {$37000.00}. Of that amount the interest payment is {$3200.00}. Based on the loan amount ( {$34000.00} ), term ( 66 months ) and interest payment ( {$3200.00} ), the lender has actually charged the borrower an interest rate of 3.28 % rather than 2.99 % of the loan agreement. 

I am here to file a complaint that the lender has misrepresented the loan and overcharged the borrower for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Per the attached bonus offer from Chase Bank, opening a Chase Sapphire Checking account and funding it or a linked investment account with at least {$75000.00} will be rewarded with a {$1000.00} bonus. 

On XX/XX/19, I opened a Chase Sapphire checking account and a YouInvest investing account to fulfill the bonus. On XX/XX/19, I funded the linked YouInvest account with at least {$80000.00}. This is in order to fulfill the requirements of the bonus and to avoid monthly maintenance fee associated with the Sapphire account. 

On XX/XX/19, without notice and action on my part, Chase Bank closed my Sapphire account without my consent despite having a linked investment account with enough funds to avoid the monthly maintenance fee. I reached out to XXXX the account services supervisor, which notified me that my bonus offer has been cancelled and rescinded. XXXX offered no resolution to the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: CITIBANK, N.A.
State: UT

Complaint narrative:
My credit card begin being fraudulently used on XX/XX/XXXX. I did not recognize this activity until XX/XX/XXXX which is when i Immediately called into the bank to report the charges as fraud. I let the bank know that all charges from XX/XX/XXXX until XX/XX/XXXX were all unauthorized/fraudulent charges. The bank stated that they would work on it and would have it resolved. Over the last three months I have called multiple times inquiring on the issue and have been told that it is being worked and that they will reach out w/ any questions. I was never contacted. Yesterday XX/XX/XXXX i called and requested to speak to a supervisor as the representative i spoke to acted like this was the first time that i had called in regarding the issue. After roughly ~20 minutes on the phone unable to reach a supervisor I was told that a supervisor would reach out to me. I was never contacted by a supervisor and no voicemails were left on my phone. Today XX/XX/XXXX I called in and was told that a supervisor called my phone yesterday and left a voicemail. This is false I would have called back immediately as i want this issue resolved. After speaking to the representative I was told that my incident had been CLOSED and that she will reopen the ticket. This is unacceptable, it has been over 90 days and w/out properly reviewing previous calls/notes to see when i first called in and the claim i made the investigator inaccurately closed the ticket thinking that I lost the card on the XXXX of XXXX. Today i was told that w/ the reopening of the ticket the timeframe is another 60-90 days. This is unacceptable as I have already had these charges on my credit for over 90 days and now they want to leave them on there for potentially another 90 days. The bank has not followed up w/ any questions they had that made them close this ticket and since day 1 I have stated that all charges effective XX/XX/XXXX and later are unauthorized fraudulent charges and I do not accept the liability of 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 monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Sent someone in XXXX funds via PayPal and they did not deliver the product that was promised in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2019, I deposited a personal check from a friend for {$500.00} into my Bank of America checking account, utilizing a Bank of America ATM. On XX/XX/2019, I received a letter from the Bank of America dated XX/XX/2019 informing me that funds would be available on XX/XX/2019 and stating, A hold was placed on your check ( s ) because check specific information indicates that the item may be returned. Bank of America did not even make the first {$200.00} available on the first business day following deposit as required by law. When I contacted the writer of the check, he informed me that it had cleared his bank account. Nonetheless, Bank of America refused to make the funds available to me prior to XX/XX/2019 and to refused to contact the checkwriters bank to confirm the availability of the funds. In failing to make these funds available as required by law, I believe that the Bank of America violated Regulation CC ( 12 CFR Part 229, Subpart B ( 12 C.F.R. 229.10 et seq. ) By failing to enumerate the reason for its belief that the check is uncollectible, I believe that the Bank of America violated Regulation CC ( 12 CFR Part 229,  Subpart B ( 12 C.F.R. 229.13 et seq. ) which requires that, The reason for the banks belief that the check is uncollectible shall be included in the notice required under paragraph ( g ) of this section. '' As a result of Bank of Americas actions, I was denied access to funds needed for basic necessities, including groceries, toiletries, and gasoline. Accordingly, I am seeking all remedies available under the law.

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 2019-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received notification from many credit sites about BOFA cancelling my 2 accounts with them. I was confused, lost and very upset about BOFA closing without any notice. I contacted BOFA and they said a letter is on the way and they couldn't help me. That very same day I received CREDIT CARD OFFERS from BOFA, checks to consolidate for a lower APR and promo offer with checks. CONFUSED, MISLEAD, lied to, distraught, frustrated and unappreciated as a customer. I've had the cards for around 10 or more years, never late. Month or 2 prior, BOFA increased my line of credit. I was in the process of purchasing a home, but NOW due to them cancelling both unable to because I have a balance with them and my net to debt income ratio changed A LOT due to BOFA.

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 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I feel so small fighting this big giant First Bankard. They closed my account without warning in the middle of my mortgage refinance, despite me paying on time. I know they have the right to do this but I dont think its fair and just hence the reason am complaining. 
I spoke to their nice rep but she cant do any help despite me offering to pay off 80 % of the amount owned. Pls I just want them to re open my credit And so I can proceed with my Refi. Thank you I hope we all have a very happy holidays.

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 2019-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I responded to an ad on XXXX about a rental property. On XX/XX/XXXX, I made a wire transfer for {$5000.00} to a person I believed was the landlord of the property in order to secure the apartment. 

On XX/XX/XXXX, I called my bank, XXXX, to authorize the transfer. XXXX told me it will take 24hrs to process it. However, I realized quickly it was a scam and called XXXX back two hours later. I asked to cancel the wire transfer. The transfer was still pending when I checked my account. XXXX responded that I missed the cut-off. I asked then for a wire recall. XXXX responded that I needed to wait Monday morning to contact the Wire search team. 

Monday, XX/XX/XXXX, I called the Wire search team at XXXX. They told me they will reach out to the other bank involved, PNC. On XX/XX/XXXX, XXXX called me back to tell me that PNC contacted them to inform XXXX that its client is unwilling to give the money back. Clearly, PNC doesn't care that one of its client is running a scam on XXXX which is totally unacceptable and unethical. 

On the very same day, I called PNC myself to indicate that one of its client is running a scam on XXXX and something has to be done about it. I offered evidence of the scam but they didn't want to hear about it and told me to call my financial institution. I responded that XXXX contacted PNC and PNC told XXXX that its client is unwilling to give the money back. To that, PNC responded that there's nothing they can do about it. 

PNC needs to take its responsibility or it is clearly complicit in a crime and needs to be punished for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: STATE FARM BANK, FSB
State: NV

Complaint narrative:
State Farm filed 2 " zero pay '' claims which are inaccurate in both instances we called to ask questions about filing a claim and decided not to yet they reported them. They never told us they would be doing this and when we asked did not know that it did report so now I am losing insurance coverage because i have 3 "  claims '' in the past 2 years although in reality there was only one actual claim filed. 


XX/XX/XXXX we were abruptly informed that State Farm would no longer provide coverage as we had 3 claims on our property. This was surprising to us as we only had one claim that we were aware of XX/XX/XXXX. 

The other 2 claims that we were made aware of are as below : XX/XX/XXXX we had mold due to water damage in a ur home. We had called State Farm to understand if our policy would cover damages at which point in time they had informed us that mold is not covered under our policy. No claim was filed as there was nothing that could be done. 

XX/XX/XXXX we had experienced theft while travelling. XX/XX/XXXX we called State Farm to inquire what options we had within our policy to potentially file a claim. We were informed of the deductibles and coverage options and decided against filing a claim. 

Both claims had been calls to our local State Farm representatives to understand our policy options to make an educated decision on whether filing a claim was even an option. 
Both cases we were re-directed to claims department which we now understand that in talking to a claims representative means that they open a claim without our knowledge or consent. Our local representative ( XXXX XXXX ) and his team were not aware of this being a State Farm protocol and had advocated on our behalf to have the claims removed as they were the ones to re-direct our calls to the claims department for more information without our knowledge of them opening claims. 
Both claims were zero pay '' claims as they were intended to be informational calls and NOT claims. 
Had our local branch informed us that talking to a claims representative to understand our policy meant a claim would be opened without our request or consent as standard protocol we would have never made the call. We were under the impression representatives were there to help the client ( us ) rather than working against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: GA

Complaint narrative:
Ive disputed late payments on my XXXX account more than 3 times with Transunion. Transunion refuse to provide a proper investigation. Transunion keep sending me an UPDATED report with nothing updated. Ive requested Transunion send the accounting records of my XXXX report for me to examine the accuracy of the inaccurate late payments. Transunion has NOT provided me with my request. Transunion also have not updated the inaccurate late payments. Transunion is required by the FCR law to provide 100 % correct, and accurate information, but as failed to provide my request. This is a direct violation of the FCRA.

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 2019-12-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Being a customer of XXXX XXXX  XXXX XXXX XXXX for 17yrs I was hoping for a resolution to the issue that my family faced. Although the economy is bad in XXXX XXXX, our intent and effort have been to always pay our bills, however, due to the economy, the family business I work for slowed down and so did our income significantly decreased. During this same period, we were hit by Hurricane Maria in XX/XX/2017, which further strained our finances. During all of this, we continued to communicate with XXXX XXXX  XXXX XXXX XXXX, explaining our situation. Once the hurricane hit, it took a bad situation and made it worse. We contacted XXXX XXXX  to see if we could get some assistance using the FEMA disaster declaration to allow us time to recover so that we could resume paying our debt as we were now struggling to even put food on the table. We were told they were working on it, that they understood, however, after months of asking about the status of our account, we were told that they were no longer able to help us due to the fact that we were no longer a customer since they closed our account. We again pleaded with XXXX XXXX, inquiring about any assistance due to the natural disaster and again we were told that since we were no longer a customer that we did not qualify for any assistance. Given that we are still paying on the account, that they are still sending us monthly statements of the activity, ie. the payments, and that our goal is still to pay our debt, we are asking that the recording of these past due payments be removed from our record given the circumstances that I have stated. As you can see, our recent payment history will show we are working to pay off our debt, but we feel that the fair thing to do would be to grant us the same relief that others affected by this disaster have received. There was a short period of time this year where we struggled to keep up with our payments, but that was due to a relocation to XXXX  to take a government job due to the struggling economy in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Being a customer of XXXX XXXX  XXXX XXXX XXXX for XXXX I was hoping for a resolution to the issue that my family faced. Although the economy is bad in XXXX XXXX, our intent and effort have been to always pay our bills, however, due to the economy, the family business I work for slowed down and so did our income significantly decreased. During this same period, we were hit by Hurricane Maria in XX/XX/2017, which further strained our finances. During all of this, we continued to communicate with XXXX XXXX  XXXX XXXX XXXX, explaining our situation. Once the hurricane hit, it took a bad situation and made it worse. We contacted XXXX XXXX to see if we could get some assistance using the FEMA disaster declaration to allow us time to recover so that we could resume paying our debt as we were now struggling to even put food on the table. We were told they were working on it, that they understood, however, after months of asking about the status of our account, we were told that they were no longer able to help us due to the fact that we were no longer a customer since they closed our account. We again pleaded with XXXX XXXX, inquiring about any assistance due to the natural disaster and again we were told that since we were no longer a customer that we did not qualify for any assistance. Given that we are still paying on the account, that they are still sending us monthly statements of the activity, ie. the payments, and that our goal is still to pay our debt, we are asking that the recording of these past due payments be removed from our record given the circumstances that I have stated. As you can see, our recent payment history will show we are working to pay off our debt, but we feel that the fair thing to do would be to grant us the same relief that others affected by this disaster have received. There was a short period of time this year where we struggled to keep up with our payments, but that was due to a relocation to XXXX  to take a government job due to the struggling economy in 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