vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: TCF NATIONAL BANK
State: PA

Complaint narrative:
TCF Bank has placed all my accounts as Dormant. Since I moved to East Coast, I have not been able to visit any branch as they don't have any branches anywhere on the East Coast. They arbitrarily started charging " month maintenance '' and " dormant account '' fees in the past, and I placed a complaint ( # XXXX ) for my dormant checking account. Fortunately, TCF Bank decided to reverse these fees after my previous complaint. Now TCF Bank started to arbitrarily charge similar fees to my other two dormant savings accounts. 

I called again TCF Bank today ( around XXXX XXXX EST on XX/XX/2021 ) hoping they will resolve this issue, but the person who was helping me was not providing accurate information, stating that " no fees were being applied to any of my accounts ''. When I further inquired on the balance, the person ackowledged there were fees, but sated did not have the ability to remove any fees or explain why they started charging these fees. After asking to escalate and talke with a supervisor, they stated that the only way to remove any fees would be by visiting a branch in person, which would be expensive and time consuming for me as I moved to a different state. No electronic access is possible because the accounts are " dormant ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Check was deposited to Bank of America from a reliable bank ( XXXX  ) for XXXX XXXX And should be deposited no late than 4 day on a hold A ( the account has been open for more than 30 day and has been deposited larger amounts ) but the bank is holding to it for more than 2 weeks and has not processed the check yet when called their telling me that its been in the process of getting to it but they have so many checks that it going to take a while and the deposite department cant do anything about it. Something doesn't feel right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They say that I XXXX XXXX Received a credit loan on XX/XX/2021 in the amount of {$830.00} dollars, the original creditor is XXXX XXXXXXXX XXXX XXXX. I never applied for this loan, nor have I ever receive any funds from that company. This account was fraudulently opened. Debt Recovery Solutions has applied this account onto my credit report on XXXX and XXXX. I tried to get this removed from both credit agency and they noted it as effective or correct and they refused to remove this fraudulent account from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The account has been Closed and Charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: AR

Complaint narrative:
tried getting a refi for my home with royal united mort. Was told being XXXX XXXX may make it harder to qualify for. but should be done in 4-6 weeks. sent all info in as requested for a 3 month period. then 2 month into app, they want another months of finance statements. So sent them in. This is now 3 monthes they already have my tax returns for proof of income from previous years. then they want another mnths statements showing income.well i had not finished any work to show deposits [ income ] they said they HAD to have some. and this is when I was TOLD denied, still waiting on the letter and have texted them several times and still nothing this was 3 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
XXXX is attempting to collect a debt that they do not own. 

I contacted XXXX XXXX and the financial company XXXX XXXX  and they informed me that the debt was charged off and sold to XXXX XXXX XXXX. 

XXXX has resorted to harassing me, my husband, my father-in-law, and my mother-in-law every single day. I have spoken with an agent there, XXXX, and she calls everyday despite me asking them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting inaccurate information on NATIONAL CREDIT ADJUST. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I called today to discuss Complaint Numbers XXXX and XXXX. She states she did see the complaint but that it was not my name. Therefore, she was unable to speak with me regarding the protests. I explained to her that the case goes back to XXXX. She explained that was not a valid case number on her end but gave me a corrected case number of XXXX. She gave me numbers for senior resources then we were disconnected. I tried to explain to her, as I had previously stated, that I had credit protection from Providian Bank at that time when I went to court for the garnishment. Still, I could not find the documentation I saw, and I am attaching this case. It is dated XX/XX/2002. I also have other documentation from Provianian regarding my accounts. Since there is a garnishment, I would like to have this removed from my account. I am a senior raising my XXXX-year-old granddaughter, who is an orphan. I called today hoping to resolve this but was disconnected. Also, I received a notice sent to my school account that I had to start paying {$50.00} per month to them without notification to a school email which is not one that I usually use.

Plus, there are two accounts and I have credit protection on both accounts in which I did list both numbers below. 

Also, I am disturbed about this entire situation from XXXX XXXX XXXX, and my credit did improve, and now I feel if I don't pay this {$50.00} to them, it will severely impact my credit again. I wanted to speak to someone today, but it was mute. I hope you can help me. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: National Processing Group LLC
State: CA

Complaint narrative:
SCAM. COMPANY IS ON THE FTC LIST OF LAWSUITS FOR THEMN NOT TO CALL PEOPLE. THEY STATED THEY ARE CALLING FROM NATIONAL PROCESSING SERVICE. THIS COMPANY WAS ASKED TO STOP CALLING MY PHONE NUMBER BECAUSE THERE IS NO ONE BY THE NAME THEY ARE REQUESTING. HOWEVER, THE CALLS CONTINUE. THEY HAVE ASKED FOR BANKING INFORMATION, CREDIT CARDS, SSN, ETC. SEEMS AS THOUGH THIS IS SOME TYP OF FRAUD, ESPECIALLY SINCE THE COMPNAY IS LISTED ON YOUR WEBSITE AS BEING IN A CALSS ACTION LAWSUIT. SOMETHING MUST BE DONE TO STOP THIS NONSENSE.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I was doing my quarterly credit check and I found an account from affirm inc for {$700.00}. Tried to contact them in XXXX and XXXX with no luck to deny and have account removed. Somebody used my information to start and account without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Four Directions Lending LLC
State: MD

Complaint narrative:
This is the second complaint I am issuing for the same company for the same reason ( Previous Complaint ID XXXX - attached ). The response submitted indicated the following : " We have also moved Ms. XXXX XXXX XXXX account to our safe queue and added her phone number to our Do Not Call list, and she has been opted out of further email communications. '' I still receive collection calls from WestSide Lending. Today, XX/XX/2021, I answered and reminded the company I sent a cease and desist letter. The representative claimed they never received the letter and accused me of lying. I confirmed the email address I used was correct and resent the letter via email this morning ( backup attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/2021 I called Chase Credit card for Southwest Rapid Rewards to complain about how southwest airlines has devalued their points to purchase tickets. I spoke with XXXX. I asked for my {$99.00} fee to be returned and close the account. She said that they could not do that after 90 days. She then offered to give me a pro-rated amount back of the annual fee. She could not tell me exactly how much it would be. I said OK. They did not give me a pro-rated amount of the annual fee of {$99.00}. I have since spoke with two different supervisors and they were not sorry and restated their policy that after 90 days there is on refund of the fee. I spoke with XXXX XXXX and XXXX. I asked XXXX if their company had integrity and she said they did, but refused to reopen my account or refund and portion of the fee. They refused to let me talk to a supervisor. If the first rep had not offered to pro-rate my refund then I would not have closed the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They say that I XXXX XXXX Received a credit loan on XX/XX/2021 in the amount of {$830.00} dollars, the original creditor is XXXX XXXX XXXX XXXX. I never applied for this loan, nor have I ever receive any funds from that company. This account was fraudulently opened. XXXX XXXX XXXX has applied this account onto my credit report on XXXX and TransUnion. I tried to get this removed from both credit agency and they noted it as effective or correct and they refused to remove this fraudulent account from my credit record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They say that I XXXX XXXX Received a credit loan on XX/XX/2021 in the amount of {$830.00} dollars, the original creditor is XXXX XXXX XXXX XXXX. I never applied for this loan, nor have I ever receive any funds from that company. This account was fraudulently opened. XXXX XXXX XXXX has applied this account onto my credit report on Equifax and XXXX. I tried to get this removed from both credit agency and they noted it as effective or correct and they refused to remove this fraudulent account from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX and XXXX Credit Bureau is reporting inaccurate information on GENERAL REV ( Original Creditor : XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Attached please find a detailed description of the problem with emails between Citibank ourselves. The problem that we have had for the 2nd year in a row is that when the bank does their routine account profile updates they do not let us know what information they require in advance of their internally imposed deadlines for account reviews and block our account. 

Last year they blocked the account and then requested copies of identity documents. The account was un-blocked a few days later. This year no request for information was sent and when we inquired we were asked for copies of drivers licenses which were immediately provided and yet after 18 days the account is still unblocked due to a backlog of work in the unit that processes these requests, according to our relationship officer. Requests for escalation have been ignored ( see attached ). 

The purpose of this complaint is both to get our account unblocked and to call attention to a systemic failure in this institutions process for updating files without causing financial harm to their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
Amerihome serviced my mortgage but we refinanced with a new company. Our mortgage with Amerihome was paid in full and closed on XX/XX/2021. They claim, with no documentation, that they mailed our escrow refund on XX/XX/XXXX. We have yet to receive it some almost three weeks later. I called to ask that the check be stopped and reissued and mailed via fed ex. Was told by two different agents that they had to wait 14 business days before they can stop. 14 business days from the XXXX  would be this Thursday the XXXX due to XXXX XXXX holiday. I called today to request the check be XXXX and was told it is now 30 business days from the XXXX before they can stop, reissue and mail. They also will not use XXXX XXXX or wire the money but will use Usps, the alleged organization they used to send the first one. So now it won't be until. XX/XX/XXXX until they address this issue. This is not acceptable. Their agents are rude, give different answers to the same question and are holding my money hostage. There are multiple XXXX  complaints with the same issue. If I was ever late making my mortgage payment to them ( I never was ) rest assured they would have hit me with late fees like crazy. Yet when it's my money they are allowed to hold it and make interest from it. I want my money now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: ACS Education Services
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: IL

Complaint narrative:
Chase Credit Card from XXXX  has sold out to XXXX XXXX as of XX/XX/XXXX However, I contacted Chase regarding a charge from XXXX XXXX in {$50.00} non-requested, they would not accept my dispute. The recent bill shows the {$50.00} has been credit to my account and now there is {$130.00} charge from XXXX XXXX XXXX that I did not by or charge to this card. I have spent 7 days off and on calling Chase, they are not responding, you go around and around Chase has sold out to XXXX and the fraud is that XXXX is not answering either. Chase statement states PAYMENT DUE DATE IS XX/XX/XXXX : XXXX states " Beginning XX/XX/XXXX at XXXX ET you can pay your Credit card bill by visiting XXXX. This is the worst kind of fraud. Plus Chase will charge a late fee if you don't pay on time. I sent Chase ( *Cardmaster Services ) a certified letter mailed today disputing the charges and I would like to FAX these papers to you and you can read them I know that you are very busy. I want to cancel this chase card and never connect with XXXX that is in the XXXX both US and Not US and this connection is fradulent. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I originally attempted to settle/discharge with the State of NJ any alleged tax debt. 
They ceased all collection activities. 
Received first letter from XXXX XXXX with Pioneer letter header and responded with conditional notice of acceptance. 
Also received phone calls from XXXX XXXX, who called my son 's phone as well. 
Did not receive authenticated requested info. 
Received second letter with Pioneer letter head from XXXX XXXX which again did not provide verified information and I responded with Opportunity to Cure. 
Did not receive verified info. 
Received 3rd letter from Pioneer with State of New Jersey letterhead. 
Although I'm now confused as to whether or not XXXX XXXX works for Pioneer Credit Recovery or the State of New Jersey.

Either way I responded with letter of default as well as damage amount for the damages I have suffered from her antagonizing and harassing collection tactics. 
These damages are enforced by 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My can was repossessed on XX/XX/2021 in the middle of the night from my neighbors parking spot. I was not give any warning such as certified mail or phone call stating that the car payment was overdue because I received a new debit card. My former debit card had false charges. The company, Ally, never sent correspondence or it was sent to the wrong address, In addition I offered to pay {$2000.00} dollars out of the {$2000.00} that was owed and they said that was unacceptable that the full amount had to be paid. I lost my job due to COVID and have been diligently looking for employment.

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