vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Sir/Madam XX/XX/2020, I applied for a Car loan with US BANK through their website for around ( {$55000.00} ). After two days, I checked my loan status through their website ; the position was pending. On the third day, I rechecked and still pending. On the fourth day, I made a call at XXXX, and someone told me that too early, please wait for next week. 
After waiting for a week, I made a callback at XXXX, and some told me to call your branch at XXXX XXXX. I called US Bank at XXXX, and the branch manager XXXX XXXX XXXX said to me that at this moment, he was not sure what is going on with your loan, and I will give you a call today about the situation. After two days waited, I made a callback to US Bank Branch at XXXX XXXX, and the lady XXXX XXXX XXXX told me that my loan declined because the amount too high for my credit score. At this moment, the loan approves for {$50000.00} with an interest rate of 3.9 percent 72 months, 3.76 percent 60 months, and 3.6 percent with direct payment. 
I asked XXXX what I should do? Because this is my first time to loan with a direct bank. XXXX told me to get a contract from the dealer and bring it here ( nothing about how the loan work ). 
After one and a half weeks, I got a contract from XXXX XXXX for the car for {$49000.00} On Monday, XX/XX/2020, I brought the contract to the US Bank, and I met with XXXX. He told me that he couldn't find my loan application, and I told him that I applied, and the branch manager ( XXXX XXXX knows it. He called XXXX, and XXXX and XXXX were looking into the system. Finally, they both couldn't find it, and XXXX suggested to replied the loan application, and XXXX explained that the Loan is base on the value of the VIN. XXXX checks my car VIN #, and the deal only {$37000.00}. I said to XXXX, why you never called me back, and why you were never explaining how to apply for the car loan. Also, why your co-worker XXXX XXXX XXXX told me, " just got the contract from the dealer and brought it here, and we will take care of the rest, XXXX XXXX couldn't answer my question ). 
Since I must deal with my problem, I told XXXX to reply to my loan application and get {$44000.00}. He told me I tried. 
On XX/XX/2020, I got the answer from XXXX the loan was approved, only the car 's value {$37000.00}, I must deal with the remaining balance XXXX {$7000.00} XXXX. 
I appreciate your valuable time to review my problem.

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2020 i logged into my chime account app. I updated my phone number. 30 seconds later i got a message saying my account is locked do to fraudulent activity. I had XXXX left still in my account on XX/XX/2020 when chime decided to close my account permanently. When i called into customer service to find out what happened i was asked for account information to verify my account. I also sent chime a copy of my drivers license, ssn, proof of address and a picture of me holding my drivers license. So i verified everything. How ever. When i call in I'm asked for more information. When i give them the phone number attached to my account they said my account account belongs to a XXXX. Under the privacy an security why would chime tell me another customer 's information?? So i also provided my old cell number. It's mysterious non- existent. So i verify my acct # and routing. Chime tells me it's not my account. I seriously believe chime has illegally tampered with my account an has stolen my money. I've spoken to supervisors on XXXX XXXX and the XXXX. Because they closed my account i can't verify my information no longer. Chime bank is stealing my money an illegally closed an tampered with my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
I have been working with Amerisave since XX/XX/XXXX on a VA Refinance cash out. They sent me a closing disclosure at the end of XXXX indicating that I needed to review before they could close. No movement on the loan occurred I contacted them and asked to speak with a Manager. They tell me they are waiting for underwriting. I contact them again in XXXX because they did a credit check and told me I had to review another closing disclosure. When I asked about the status. They tell me there has been no movement on the loan and they are still waiting on an underwriter. It is now XX/XX/XXXX. I have paid for an appraisal and termite inspection all with no movement on the loan but they keep checking my credit and my score is reduced each time. This reduces my options with getting a loan from another lender because they keep checking my credit with a hard inquiry but no movement. Also part of there process I was required to change my insurance over to them but they havent even given me a loan. I feel they are very deceptive in there lending practice. I am asking for assistance from this office

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I am experiencing financial hardship due to reduced work hours as the result of COVID-19. I have reached out to USAA on multiple occasions to request extended financial hardship relief through their program. I was approved but then denied. I received a letter stating that I have " submitted the maximum number of relief requests for this financial hardship event ''. It is unfortunate but the restrictions enforced by local/state/federal government are preventing me from working regular hours. The " hardship event '' is still ongoing and affecting me financially. My job has reduced work hours due to clinics being cancelled by our clients. I am in a financial XXXX like countless other Americans. I have maxed out a majority of my credit cards to make ends meet. I have contacted all of my creditors, including USAA to request additional assistance considering the circumstances. I am baking goods to attempt to keep up with bills but it is not enough to cover all of them at the current time. The decision of USAA is unrealistic considering what I, like countless others, are experiencing. The decision is making my situation worse and causing more emotional distress. I am actively seeking employment but work is hard to find. My unemployment benefits were exhausted on XX/XX/2020 and I am in the process of waiting for the state to reinstate my benefits ( which is another hurdle to cross ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report. I found my account reporting a 30 day late payment in XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didn't get to me.

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 2021-01-05 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: CA

Complaint narrative:
It has been over 30 days since Ive reached out to the credit bureau and it still has not removed these negative items from my credit report or provided me with a validation of the alleged debt therefore under the FCRA act these items must be removed. Ive attached both of the letters Ive sent in here as a reference which I sent certified mail and I have a copy of the return receipt verifying these letters were sent. I want these items removed from my credit report immediately and I want to be sent and updated copy of my credit report. Ive also attached my identification documents below, my ID, my social security card and my recent utility bill to verify my identity. 


I want these items removed from my credit report and I want to be mailed an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: NC

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX a payment was made to Discover Card for my credit card using my XXXX XXXX XXXX  Checking Account. This payment came back returned on XX/XX/XXXX and had not left my checking account. I called discover that day and was informed that the payment was returned and the reason was unknown and I should contact the bank. 

I then reached out to my bank who informed me that no payment attempt had been made and there was no record of it and to contact the merchant discover card for more information. 

I reached back out to discover card on the same day and continued to try get answers but could not get an answer other then to reach out to my bank again. 

By this point discover had already reported to my credit report that my payment was late damaging my score and causing a late payment mark and higher balance on my credit report. 

After lots of back and forth on the same day I made the payment again this time using a different checking account and asked discover to remove the negative information from my credit report as this was an issue between discover and the banks and not my fault as I had made my payment on time in the XXXX. They said that no one was able to do that and there was nothing I could do to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/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 2021-01-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20 bank of America noted a {$660.00} cash atm withdrawal at a branch in XXXX California. I live in XXXX  California ... sum 9 to 12 hours away from my home. 
I filed an appeal claim for fraud. The bank closed my account and prevented my access any of my funds. After 3 emails to management and reaching out to XXXX XXXX XXXX news I have still not even recieved a response email or a phone call

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 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
American Express somehow mixed up myself and someone with nearly the same name, and gave me private information about that person over the phone. They also changed this persons contact information to match my own, sending me emails and such that continue to violate their privacy and expose their payment history, etc. I notified American Express several times, asking them to please correct it, and was told to contact their Fraud Department to look into it. Its not fraud ; its the companys own mistakes. Whenever I contacted their Fraud Department, they seemed to not be concerned and asked me to call further departments to correct this error, which lead nowhere. American Express is opening itself up to a lawsuit for breach of privacy and do not seem to care they are exposing private information or want to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: WI

Complaint narrative:
On Monday XX/XX/2021, while at work I began receiving text messages from Chime Bank indicating security codes, which I did not request. Someone transferred all of my funds from my credit building and savings accounts to my spending account and then sent it internally to pay to friends. The transaction was sent to a XXXX XXXX I have never nor did not authorize this transaction. This low life left XXXX cents in my account and this is not the first time. My debit card has been compromised with this bank and replaced twice. They need to better safeguard the accounts of their members and the FDIC really needs to further investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent XXXX XXXXXX/XX/XXXXan validation letter so they sent me a copy of my contract. From the contract Experian, XX/XX/XXXX and XX/XX/XXXXhas been reporting the wrong information on my credit report. I been disputing this account for about 5-6 months and they continue to report incorrect information. I've sent the contracts first primer has sent to me and they still reporting it. They also all are reporting different things on 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 2021-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education
State: NC

Complaint narrative:
I have a six late fees and was told they would fix the problem called and a person informed me it was nothing they could do even after I implied that I was told the problem would be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
This complaint is for checking account ending in XXXX. I disputed a transaction with TCF Bank a few weeks ago. The transaction was from XX/XX/XXXX XX/XX/XXXX for {$29.00} on XX/XX/2020. I canceled my card and everything. My bank TCF declined my dispute and allowed another transaction to go thru on XX/XX/2020 from the same merchant for XXXX. This is after I canceled my card and told them I didnt authorize the first XXXX transaction. These transactions are not authorized by me. I used to have an account with the merchant, but that account has already been canceled. I really cant believe TCF will go against their customers and continue to allow unauthorized transactions after a dispute and after a canceled debit card. Its like they forced the transaction to go thru my new debit card. If this is not resolved I will take further action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent XXXXXX/XX/XXXX an validation letter so they sent me a copy of my contract. From the contract XX/XX/XXXX, Equifax and XX/XX/XXXX has been reporting the wrong information on my credit report. I been disputing this account for about 5-6 months and they continue to report incorrect information. I've sent the contracts first primer has sent to me and they still reporting it. They also all are reporting different things on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
PHH mortgage mailed an escrow statement on XXXX, XXXX according to their website. We received the escrow statement on XX/XX/XXXX. The statement was indicating that the escrow account had a shortage of {$4100.00} dollars. The document went farther to provide two options : 1. Increased my monthly payment by the next 48 months by almost {$200.00}. 
2. Pay a lump sum and my payment only goes up by {$100.00}. 

{$410.00} was coming out of my monthly payment XXXX mortgage and I do not understand the shortage because 12 months of XXXX does not equal XXXX dollars. 

1. I should not have to pay anything except for my normal monthly payment because the escrow should not be short. 

2. If I am forced to pay the balance ; then I need an option three where I pay the balance in full within a 3-5 month period instead of a few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I applied for the card, sent all required documentation while on the phone with the processing department, while they confirmed they had everything. I was approved card was mailed to be. But once I started to use it the company approved my transactions at the time of purchase but then declined them. After weeks went by they told me I was declined because they couldnt verify my identity. Mind you I have had a personal loan with this company for one year. I asked how can you not verify my identity you have everything, credit report, driver license, tax form, social security card and a selfie. They told me thats all they can tell me. How is this far to consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
When I went to deposit my {$150.00} check and {$250.00} in cash at TD Bank ATM located at the XXXX XXXX FL XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ). I immediately called the corporate number for TD because the branch was closed. I was told to call the branch the next day when it was open so they could open the atm to sort out the issue. This was in XX/XX/2020 at around XXXX. The next day I called, and I was told to come in to get a new debit card since the machine ate it. While there, the employee ( XXXX ) told me that a 3rd party manages the ATM and that it will be automatically sorted within 1 business day and that I should not worry. Today is XX/XX/XXXX, and the issue is not yet resolved.

Company response to consumer: Closed with monetary relief