vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
XX/XX/XXXX I opened a bank account at First Republic Bank in XXXX, California. The Manager ( XXXX XXXX ) recommended a checking account that waives the non-Bank ATM fees for $ XXXX/month. 

XX/XX/XXXX 12 months later, I was recommended by Customer Service to down convert my account to avoid costly Non-Sufficient Fund fees cause by a high monthly service fee. Three Monthly service fees were reversed ( {$75.00} ). 


XX/XX/XXXX XXXX I followed the advice of the customer service agent and had the account converted by the Assistant Manager to one that only charges $ XXXX/mo. I also increased my direct deposit from my job to keep a healthier balance. 

XX/XX/XXXX Once I followed the advice of Customer Service, the Manager who initially opened the account decided to close it because reversing fees Affected him personally. When I spoke to the manager ( XXXX XXXX ), he was rude, condescending and unprofessional. There was no warning or opportunity appeal the decision.

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 2019-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase XXXX Visa - email sent to upgrade Visa was misleading, did not contain the facts about what was being removed from the rewards program, only included the new perks. 

Compared my prior statement to current statement and discovered that Chase removed the rewards benefit which earns 1 elite night credit per $ XXXX spent. 

Already submitted a CFPB complaint on XX/XX/XXXX for the 15 night annual elite credit that I did not receive in XXXX due to Chase changing their timing yet is practicing discriminatory practices by giving some customers 15 nights in XXXX and other none ( refer to prior complaint ). 

This complaint is deceptive practices, deceptive marketing, violates FTC, fraud. The email from Chase lures the consumer into believing that all the prior benefits are in tact and you are receiving increased benefits by paying only {$10.00} more per year. 

Unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My CD matured on XX/XX/XXXX. I was told to fill out and send a Personal CD maturity form indicating what I wanted done with the funds. I sent out the form via XXXX XXXX Ground, which they received XX/XX/XXXX.

On XX/XX/XXXX, I called inquiring about my check and was told it takes 2 business days to process.

On XX/XX/XXXX, I called again asking where my check was and was told whoever was supposed to process it failed to do so. The rep apologized and said the check would be sent out XXXX XXXX Overnight Delivery and that I should receive the check no later than XX/XX/XXXX.

I called again on XX/XX/XXXX, after not receiving the check and was told that it was going to be sent out that day, but that I wouldn't receive it until XX/XX/XXXX.

TIAA acted very unprofessional and misrepresented themselves by assuring me that I was going to receive my funds in a timely manner after the CD matured. This should have never happened. I have never experienced this before with any bank or credit union.

They were totally negligent on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a call from Barclays Fraud Unit regarding some fraudulent charges they had observed on my account. After speaking with the man on the phone, I alerted him that the charges made were indeed fraudulent and needed to be investigated. These charges did not fit my spending profile, as I use this car primarily for rewards points while eating out and for streaming services. On the website, they advertise " {$0.00} Fraud Liability Protection '' as a benefit, so I thought I was secure and we would work the case out. 

A couple weeks later I spoke to someone from the bank fraud unit and told them what I had experienced. He suggested I file a police report, which I did ( attached ). Since I know I did not authorize these charges, I thought they would eventually be cleared and I would deal with the police when they were available. 

On XX/XX/XXXX, I received a letter indicated that the charges were valid. I was shocked by this and decided to follow up with the bank fraud unit. They indicated that since the card was in my possession, the charges had to be valid since it was a pin transaction. There is plenty of literature out there ( I happen to work for a competing bank ) that has shown that there is equipment out there to copy the PIN ( see below link ) : XXXX : XXXX/ After speaking with the bank fraud unit, I was told that there was no investigation completed since XX/XX/XXXX when I reported the fraud originally. No camera footage was looked at from the stores where the fraud happened ( I will provide below ). Because I said I had the card in my possession when the fraud occurred, the charges were automatically valid. 

I find this ludicrous for a company that touts a " {$0.00} unauthorized fraud guarantee '' that such little research was done on this, and they would not honor the benefits they advertise. I feel as if Barclays is  not living up to the standard in which they should when it comes to investigating the incident and is not honoring the terms in the cardholder agreement. None of these transactions match my user footprint as well. I was not even around the area where these charges were made, and I have someone to corroborate that claim. 

Here are the unauthorized charges : XX/XX/XXXX XXXX  {$120.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$61.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$220.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$93.00} store # XXXX zip 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 2019-02-06 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In XX/XX/2018, the final payment on my auto loan with TD Auto Finance was to be paid. Throughout this loan, it was set up on auto pay. TD Auto Finance turned off auto pay, and I did not receive information of this until 90 days due, which I then made the last payment.

I have contacted TD Auto Finance, noting this and they responded " After reviewing your dispute and the facts your provided, we concluded that we are correctly reporting your account history and other relevant information to the credit bureaus ''. 

Completely crazy that the failure for them to take payment is a reportable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019, I wired from my JP Morgan Chase account {$110000.00} to my wife 's account in XXXX to XXXX. 

The XXXX exchange rate that day was : XXXX US Dollar to XXXX XXXX XXXX. 

XXXX paid their own rate at XXXX XXXX to XXXX XXXX Dollar The difference that I received was a difference of {$13000.00} US Dollars, or {$240000.00} XXXX XXXX. 

I made the transfer using my mobile app, which I had used to transfer money to that same account in a previous wire transfer with no such penalty. Had I known that I was facing a HUGE discrepancy in total payout, I would NOT have made this transfer. JP Morgan Chase failed to alert me that I was in danger of losing a great amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Our primary residence is mortgaged with Bank of the West since XX/XX/XXXX. The bank established an escrow account to pay for the taxes and insurance. 

In XX/XX/XXXX, we installed solar panels using a HERO program loan. We requested the bank to include the HERO program payment in the escrow account as the HERO loan is paid with the property tax. 

In XX/XX/XXXX, we acquired a HELOC with Bank of the West and paid off the HERO program loan. I notified Bank of the West and requested that they stop collecting payments for the HERO program loan. Notification was done via email, letter and by phone to customer service. Receipt as proof that the HERO program loan is paid was provided to Bank of the West. 

I was told by the manager that they will NOT comply with my request and that they will continue to collect the same amount for my escrow account including the payment of the HERO program.

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 2019-02-06 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: CA

Complaint narrative:
EXperian statement of facts { 1 } I am not a credit repair company I am the furnisheralleged legal owner, consumer { 2 } statement of fact XXXX / XXXX   XXXX does not own this account you are falsely reporting on my credit report. In fact under the law I own the alleged account showing paid in full REMOVE THIS ALLEGED ACCOUNT I LEGALLY OWN. XXXX stated to the CFPB that they do not own this alleged account XXXX  does not own this alleged account I do Do your home work if XXXX got paid by another company they would own the account but If it shows paid I legally own the alleged account eather way XXXX XXXX my alleged debt is paid and I own the rights to the alleged account, ASk your lawyer enclosed are your statements, and XXXX statement to the CFPB, also as the alleged owner of the debt remove it at once. your credit manipulation on consumers need to be challenged. 
XXXX first furnisher { 2 } { sale to XXXX } new furnisher { 3 } contract alleged sold back to me for payment THAT MAKES IT MY ACCOUNT as OWNER There is no statues difference between the three when sold { alleged contract bought back by consumer makin myself the alleged the legal owner

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 2019-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that Ad Astra has furnished some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to Ad Astratorelease myinformation toathirdparty.

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
***ATTN CFPB ***EVIDENCE ATTACHED*** CRIMINAL CORPORATE CULTURE EXPOSED *** FAILURE TO CREDIT PAYMENTS, CONSUMER FRAUD, MORTGAGE FRAUD, ILLEGAL DEMAND LETTERS, ESCROW FRAUD, MORE # 1FAILURE TO CREDIT PAYMENTS ... 
ON XX/XX/XXXX AT XXXX XXXX EASTERN TIME I MADE THE XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PAYMENTS ... I LATER RECEIVED A STATEMENT SHOWING MY NEXT PAYMENT IS DUE XX/XX/XXXX ( COPY ATTACHED ) # 2 MY  LOAN IS PAID AHEAD BUT I STILL GET AN ILLEGAL THREAT TO FORECLOSE ... SAYING MY LOAN IS IN DEFAULT ( COPY ATTACHED ) CONSUMER FRAUD AND MORTGAGE FRAUD # 3 I ALSO RECIEVED AN ILLEGAL DEMAND LETTER, PART OF THE TERROR TACTICS THIS COMPANY USES. IF XX/XX/XXXX AND XX/XX/XXXX WERE TRULY LATE I WOULD OWE XXXX AND A SMALL LATE FEE ... APROX {$90.00} ... INSTEAD I GET AN ILLEGAL DEMAND FOR XXXX MORE CONSUMER AND MORTGAGE FRAUD. ( COPY ATTACHED ) # 4 THIS COMPANY ROUTINELY STEALS PRINCIPAL WITHOUT CREDIT BUT THIS IS THE FIRST TIME WE HAVE PAID AHEAD AND HAD AN ILLEGAL FORECLOSURE THREAT. 

# 5 THEY ARE DOING THIS BECAUSE WE ARE FILING A LAWSUIT AGAINST THE CEO AND SEVERAL REPS PERSONALLY IN ADDITION TO THE CORPORATION.

# 6 WE HAVE AN EYEWITNESS ( THE LOAN BROKER ) THAT CONFIRMED SEVERAL VIOLATIONS OF THE TRUTH IN LENDING ACT BY XXXX XXXX. HIS NAME IS CEO XXXX XXXX @ XXXX XXXX # 6 WE ARE PAST THE DEADLINE FOR AN OUT OF COURT SETTLEMENT SO AS WE MOVE FORWARD HERE ... THIS DISGUSTING MOVE TO ILLEGALLY STEAL THIS HOME ONCE AGAIN EXPOSES THE LACK OF REGARD FOR THE LAW THIS ORGANIZATION HAS. THEY ARE LITERALLY LAWLESS. 
# 7 YOU WILL NOTICE XXXX IS DUE INSTAED OF THE XXXX THAT IS ACTUALLY DUE ... THIS IS ALSO FRAUD ... FEES FROM A FORECLOSURE THEY SAID THEY WERE NOT DOING TWO YEARS AGO ... THEY PAID PEOPLE THEY WERE NOT SUPPOSED TO LIKE INSPECTORS AND ATTORNIES ... AND BILLED US ILLEGALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by Clay Cooley XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX XXXX the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-06 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: NC

Complaint narrative:
I am a victim of identity theft and have been working with Experian to correct fraudulent accounts. I submitted my police report, contacted XXXX XXXX XXXX XXXX who explained that I needed to contact Experian to remove the fraudulent account. 

Experian is currently reporting XXXX XXXX XXXX XXXX, which is a fraudulent account to my credit report. I have tried several times to resolve this issue and have been unsuccessful. 

I have asked Experian several time to verify the verification system which they are using, and they have failed to provide me with the information.

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 2019-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My wire transfer is held due to a US OFAC Investigation Request XXXX, details XXXX I would expect a delay related to this, but I would also expect due diligence and expedite responses from banks about this issue. 

The Sender XXXX XXXX  has replied back to messages and request for information though ON-LINE security messages, but the receptor TD Bank miscommunication and delayed response is adding unnecessary delay on this investigation. 

I request XXXX XXXX  to notify the recipient of this wire transfer delay, but they replied is under the TD bank compliance option to notify their customers. I contacted TD Bank customer service and ask them to notify the recipient beneficiary of the delay of this wire transfer. Even I did not request any information or details, they refuse to notify its customer about this transfer delay. TD Bank stated is following Privacy and security measures, but I did not request any information, just ask to notify its customer about this transfer delay Please note I have replied back to TD Bank with details requested by TD Bank, and they reply back three or four days after, and asking for more information.

I believe they should request all required information at once, and not taking two or three days for each response. 

I also believe should have the courtesy to notify the wire transfer recipient about such delays, and expedite responses and request for updates from the sender bank. 

The original wire transfer was initiated on XX/XX/2019, and today XX/XX/2019 I am still in the " limbo '' about the status of this wire transfer. 

Sender : XXXX XXXX Acc # XXXX From XXXX XXXX Amount : {$1000.00} Date : XX/XX/2019 Recipient : XXXX  XXXX XXXX XXXX ACC # XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
I received a letter in the mail from One Main Financial with a request to refinance my account and funds were available after refinancing. However, they added more money to my account and fraudelent placed on my account 2 different amounts of refunds totaling {$3600.00} and {$110.00}. After One Main fraudelent placed those amounts on my account. My account increased to {$18000.00}. i had paid off {$2800.00}, a total of one years worth of payments.. The company sent an ACH to my account a total of {$2900.00}, after I left there ofn XX/XX/2018. I spoke with the manager and XXXX XXXX and asked him to fix this account because it is incorrect and he says it was not. I did not receive these monies in my account or under no circumstances. I can not believe that he expect me to pay for monies that I have not received. This is outright fraud. I do not know if he or his employees received thi money and is trying to make me pay for it. I have all the documentation to confirm what I received and was distributed to me. He also placed the amount of finance charges back on my account to bring it to a total of {$18000.00}. Please advise. I appreciate your time and concern with this matter. It is fraudelent and unwarranted, incorrect and creating a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NC

Complaint narrative:
XXXX previously reported this debt and It was removed from my credit report after communication with the credit bureaus with my police report and identity theft report. 

I responded to ERC 's original letter to collect the debt and let them know this has already been disputed and the original creditor should not be selling this debt as they have received all the required documents for the identity theft. They continued to list the debt on my credit report. This is the last attempt to have the debt removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: NC

Complaint narrative:
I am a victim of identity theft and had several accounts opened in my name. I have served in the XXXX XXXX and have been in XXXX for years. When returning to the state, I discovered that my identity had been compromised. 

I contacted all credit agencies and filed a police report, while living in XXXX, NC. I sent an initial request, second request, formal request, and final request to Equifax demanding proof of verification and request for verification system used. I have sent all requests certified. 

Equifax has failed to remove any fraudulent accounts after I was told that a block was on my account and all fraudulent accounts would be removed. I requested information on the system which they used to verify their information, and I still have not received it. I have not received any verification from any of the " said '' creditors to verify the accounts. I have also filed a complaint with the FTC for non-compliant.

Company response to consumer: Closed with explanation