vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This is just an example of financial information being asked of me after 2 months of providing all documents I have. 
Good Morning XXXX XXXX, Please provide an explanation for the bill pay to Approved Card from XXXX XXXX # XXXX Can you confirm your marital status? 
Do you have any ownership in XXXX XXXX XXXX? 


Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, SC XXXX Thank You XXXX Could XXXX send in a copy of your Trust? XXXX have to have the XXXX reviewed and approved by our XXXX Department. 

Thank You XXXX XXXX XXXX XXXX, In order to put the mortgage under your XXXX XXXX XXXX, it needs to have the Revocation Clause and the Power to Borrow Clause. The employment verification we requested is for your current employment. The underwriter is asking for a letter from XXXX XXXX XXXX to confirm your relocation to XXXX XXXX, new hourly rate and number of hours you will work. You let us know that they will not provide a letter since you are not in XXXX XXXX yet. 

Thank You XXXX XXXX We are going to need the homeowners insurance policy for the condo in XXXX. Are there XXXX  dues for this condo? 

Thank You XXXX XXXX XXXX, Your file is back from final review. The underwriter is requesting additional information. Ive listed the items needed below. 

Please provide a transaction list from XXXXXXXX XXXX XXXX XXXXXXXX for these dates XX/XX/XXXX to XXXX Please provide a statement to source the {$250000.00} large deposit in XXXXXXXX XXXX XXXX XXXXXXXX from XXXX XXXX XXXX Please provide the tax bill for the condo in XXXX. The tax bill must be in XXXX For the explanation you gave for the bill pay in XXXX XXXX # XXXX. Which credit card are your referring to? 
Please provide XXXX XXXX XXXX statements to source the following large deposits into XXXX XXXX # XXXX - {$14000.00} on XX/XX/XXXX, {$16000.00} on XX/XX/XXXX, {$17000.00} on XX/XX/XXXX & {$14000.00} on XX/XX/XXXX Thank You XXXX XXXX XXXX, This is all complete and submitted on XXXX. The GGRC Stipend for XXXX was a payment they paid me to pay XXXX for his participation in an online training for Direct Support Professionals. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I made a purchase of web design services on XXXX for the total amount of {$1000.00}. However, after a few months, I discovered that I had been charged over {$3800.00} without my approval. I immediately contacted Capital One to dispute these charges and provided all the necessary proof of my agreement with the XXXX vendor. This included evidence that I had requested a refund since the website was never completed. 

Despite my efforts and providing all relevant documentation, Capital One has failed to resolve my dispute. They repeatedly requested documents that do not exist, such as a written contract. As this service was conducted online, the only existing contract is XXXX XXXX of messages between myself and the vendor, which I have already provided. 

I am deeply disappointed with Capital One 's handling of this matter. As a loyal customer, I expected better support and resolution in such a clear case of unauthorized charges and unmet services. I request your assistance in resolving this issue promptly and ensuring that I receive a full refund of the unauthorized charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I was physically on a Southwest XXXX XXXXXXXX from XXXX XXXX to XXXX ( then on to XXXX ) when a flight attended said we could get a special credit card offer : XXXX miles and a free companion pass if spend {$4000.00} in the first XXXX months. She handed me a flyer. I signed up using this flyer. There was NO OTHER OFFER shown. 

I spent over {$4000.00} in the first month, and I called Southwest in late XXXX as I didn't see the companion pass showing on my account, which was after my first statement balance was paid in full. They said it could take XXXX weeks to show up in my account. I also saw a 25 % off coupon for XXXX flight which they said they didn't know where that came from ( neither did I ). 

XX/XX/XXXX : I again didn't see the free companion pass offer showing, but noticed that my points balance was much higher than expected, and noticed an additional XXXX points were added after my first statement ( Southwest didn't mention that they saw this in my account in XXXX ). They suggested calling Chase Card Services. 

I contacted Chase card services and the representative said it still could be taking XXXX weeks ( which would be into the first week of XXXX as I signed up on XX/XX/XXXX ). There was no discussion about it being a different offer than what I signed up for. 

XX/XX/XXXX : I needed to book flights and still didn't see the companion pass which I signed up for, so contacted Chase again and explained the above. They said a case would be opened. I received a 'letter ' that stated : -- -- -- - We appreciate your interest in our new offer to receive XXXX XXXX and XXXX bonus points. 
Unfortunately your account isn't eligible to receive it. Promotional offers are only available for select credit cards and aren't transferable between accounts. 
You can manage your account and ask us questions at www.chase.com/cardhelp. 
Sincerely, Card Services -- -- -- -- -- -- -- -- So this did not sound like a proper reply to my situation, so I called Chase again on XX/XX/XXXX and spoke to XXXX, an overnight supervisor. After looking at my account and the letter, she stated that there is no guarantee that a consumer will get the same offer they sign up for. She referred me to this 'offer terms ' : Offers may vary depending on where you apply, for example online or in a branch, and can change over time. To take advantage of this particular offer now, apply through the method provided in this advertisement. Review offer details before you apply.

This was a bait and switch, or a mistake in their sign up system. I DID follow and review the offer when I applied, which was NOT what they gave me. The 'offers may vary ' does not mean they can change the offer if you 'take advantage of this particular offer now ' and 'apply through the method provided in this advertisement '.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal credit Union continue on taking drafts from my credit card account to end a fraudulent dispute brought by XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX  I made a complaint a month ago about this maybe federal credit union refunded my money, then turn around to withdraw it and told me that they sign and with XXXX XXXX XXXX XXXX XXXX even though the transaction clearly states that XXXX XXXX will pay for this car rental XXXX starting to believe the staff at Navy Federal. Credit Union is doing this because of my XXXX race harassing me for no reason at all, but the XXXX of my skin. They already denied me for a loan in the past for no reason, but my race, even though my credit was not bad Navy Federal credit Union continue on with this harassment Ive been nothing but respectful to Navy, credit union and staff recent transaction XX/XX/XXXX as well as XX/XX/2024 I will be calling XXXX XXXX police check fraud unit on Navy Federal credit Union, as well as XXXX XXXX XXXX XXXX XXXX XXXX. Navy Federal is responsible for this at this time. Thats why they will be named as a suspect and this crime of fraud. This is worse when you can clearly see XXXX XXXX agreed to pay XXXX percent for the car rental, Navy Federal XXXX allows this type of behavior to go on just XXXX their ratings XXXX female clearly states Navy Federal does not side with the customers when it comes to fraud and I agree 100 % with her Navy Federal is a institution. Navy Federal is a XXXX institution. Navy Federal credit union is a XXXX institution. I try not to say it, but I see it now because its happening to me. Enterprise car rental did receive their vehicle back on return date of Monday, XX/XX/20XXXX XXXX XXXX XXXX according to this written contract yes, Navy Federal credit Union does XXXX  when it comes to their lending practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I never lived alone to even have to pay any type of rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Purchased new flooring through Lumber Liquidators and was offered 0 % financing for XXXX years. Credit was extended through XXXX XXXX. When the initial payment plan was setup, it was structured to pay off the loan in the two years offered. Over time, the bank withdrew less and less money each month which ensured the balance would not be paid in time. Today ( XX/XX/year> ) I was charged for two years interest on the entire balance without advanced warning or notice in the amount of {$5200.00}. This was an intentional and deceptive tactic to ensure I would be forced to pay a large interest charge.

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 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a dispute on Trans Union XX/XX/XXXX and have yet to receive any notification about my claim.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They put on my credit report that I bought the car a year later than a year that I bought it in XXXX I bought a XXXX XXXX in XXXX from XXXX  XXXX in XXXX XXXXXXXX XXXX I paid it off a year early and instead of putting the truth on my credit report they're putting that I bought the car a year later so that I can't get my credit history corrected by making it look like I paid it off on time they aren't giving me the credit that I did they made my credit go down to XXXX when it was almost XXXX and now it's hard for me to get a place I have to move and I can't get the place because of this credit rating that they put on there that makes it look like I bought it a year later than I did when I paid it off a year earlier then I was 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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax representatives inserted fraudulent inquiry from XXXX XXXX XXXX on XX/XX/year>, though the inquiry is dated XX/XX/year>. After speaking with representative XXXX and office of consumer affairs deleting an accurate and fraudulent information from credit profile. XXXX provided confirmation number XXXX that were in reference to the four fraudulent inquiries that were removed and a confirmation number of XXXX for the updated credit report showing removal of inaccuracy. minutes after disconnecting call with XXXX another Equifax representative inserted a fraudulent inquiry from XXXX XXXX XXXX onto credit report. After several attempts contacting Equifax notifying them of occurrence representatives denied to raise dispute or investigate. representatives has lied about their identity as well as procedures and protocols for disputing an accurate unverifiable or incomplete information. Employees create their own rules and guidelines. 
Equifax representatives continuously commit fraud upon credit report. These representatives has access my credit profile without my consent/authorization or knowledge. Fraudulent activity consist of multiple frivolous disputes, falsifying documentation, failure to investigate multiple occurrences and refused to cease fraud upon profile, deletion of accounts, insertion of awed XXXX information on credit report. This intentional repeated illegal behavior has led to great hardship. This ongoing harassment is a delivered violation of consumer rights. Equifax has been provided with identity theft report that has been ignored. This lawless behavior has been reported to the CFPB on several occasions without resolution or enforcing its role as an intermediary between consumers and reporting agencies. The FCRA has strict guidelines that mandates both report and agency and bureau to uphold their due diligence. These agencies are to protect and furnish accuracy to consumers profile. Violation of these laws has penalties and Financial compensation for consumer. This fraud behavior has been going on since XXXX. Regardless of multiple attempts to escalate fraudulent behavior to superiors and opening several complaints, mischievous and fraudulent behavior still consist on a daily basis. Names of some of these representatives would be but not limited to XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
This complaint is about Santander Bank which seems to have very lax security measures. 
On XX/XX/year>, an unauthorised transaction of {$15000.00} was made out of my bank account. I raised a complaint with the bank ( case ID XXXX ) and after following up with them for over 10 days, they claim to have resolved it by depositing the money into my bank account- which is supposed to be frozen/ blocked. 

They claimed that I needed to visit XXXX of their branches to get my money back. However, I live on the XXXX XXXX and can not visit any of their branches which are all on the XXXX XXXX. 

They promised to send me a check but haven't done so. They have also refused to provide me a XXXX XXXX of this process. 
In a way, while claiming that they are returning my money, they have refused to allow me access to that money in a systemic, well-thought manner. 
Instead, they have wasted so much of my time in making me run after unnecessary stuff - I have had to take leaves from my XXXX XXXX and am now planning to spend thousands of dollars to make an XXXX XXXX trip to get my money back

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 2024-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Bank did not deliver on its {$900.00} promotion for opening up accounts even though I completed all the outlined steps. I opened up my Chase bank Checking and Savings account on XX/XX/XXXX during a promotion that said I would receive a {$900.00} bonus if I complete the steps outlined ( included in my supporting documents ). I completed all the steps and they failed to provide me with the full bonus. As of now it has been several months since the time it should have been deposited in full. They only provided me with {$200.00} ( included in my supporting documents is my account history ). 

Chase bank closed my Checking account at first without warning around XX/XX/XXXX. The reason they gave for closing my account afterwards was that it was not funded for 60 days. And because of this I lost the bonus. This was not stated in the bonus terms or any terms the bank proved to me. As shown in the supporting documents the bonus terms said I had 90 days to make a direct deposit into that checking account. I also included the supporting documents that show that I was given no notifications that my checking account was going to be closed if I did not fund my account in the 60 day time period. 

I then met with Chase Bank in person 3 different times at their location at XXXX XXXX XXXX, XXXX, MA XXXX. I was told there that my checking account was to be reopened and my full bonus provided. My full bonus was never provided to me. Because they continued to promise me the full bonus and I was told that I completed the steps, I waited to transfer my funds ( {$15000.00} ) to a bank with a higher interest rate, losing me money. 

Dates I visited the Chase Bank for an appointment to discuss this issue : Friday XX/XX/XXXX, Friday XX/XX/XXXX, Wednesday XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
XXXX has fraudulently reported to Experian my closed account as being in collections despite that the account was fully paid. I disputed the entry on my credit report with Experian and sent to it a copy of the final bill that XXXX sent to me that states I have a credit balance with XXXX. On XX/XX/year>, Experian reported that it had completed its investigation. However, the extent of its investigation was to simply send to XXXX the final XXXX bill that I sent to Experian. It did not perform any investigation to determine what XXXX submitted to support its false assertion that my account is in collections and that I have a balance due on my account despite what XXXX stated in my final bill. Nor did Experian even acknowledge that I have a final XXXX bill showing a credit on my account which clearly contradicts XXXX 's assertion and should have caused Experian to remove the false entry by XXXX from my credit report.

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 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX, I cashed a relocation check in-person at the BECU location in downtown XXXX with the help of a teller. They told my the funds will be available in 5 business days. On XX/XX/XXXX, I verified that the money is cleared in the account and initiated a transfer to my old personal bank account in NY to pay back my parents for helping me relocate. BECU called me to verify this transfer, initiating a 3 way call with my old bank. Everything checked out. 

The following Monday ( XX/XX/XXXX ), I received notice that my bank account was locked, and to call BECU support for more information. Upon calling, they said I triggered a fraud alert and that they would have to wait 5 additional businessdays to ensure that the check clears. I figured this was reasonable and waited. 

After those 5 business days passed, I went back to the XXXX branch by appointment to get more information and file a complaint. The person was polite, but was unable to reach the internal team investigating the issue and could only guess as to what was happening. After another week, 15 business days after the check was cashed with no issues or returns, I reached out again and was told the same thing. 

It has now been 20 days, and I still haven't heard from anyone at BECU by text, phone call, or email. I have had no access to my money for a month now, all due to the gut feeling of some staggeringly incompetent desk jockey who wouldn't be qualified to investigate a " Where's XXXX '' cover, let alone a check transfer that has been cleared at the source bank for over a month. 

I don't even think it's legal to hold a check for this long on vibes alone. I know for sure I am never banking with them again after this. I have banked in 3 different continents at a dozen institutions and I have never had the displeasure of dealing with this scale of borderline-criminal incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
XXXX of 2023 I scheduled a time to come in a view a vehicle I was interested in. I ended up not being able to make it to the dealership to see the car and for some reason there is a hit on my credit when there absolutely should be nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have a few items on my credit report that were reported as fraud, and no knowledge of the accounts, and the credit reporting agencies simply notified the creditor who said yes we believe this is his and just continue to report Agent information on my report even when Ive asked for copies of signed applications of purchase receipts and supplied a police report and identity theft report I get nothing back other than weve investigated this and the creditor said it was valid

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