vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Before my lease was expiring on XX/XX/2020, I called XXXX XXXX XXXX inquiring how to return the car due to COVID-19. This was 10 days before the virus peaked in the state of New York. I offered to drive the car to the dealership but was informed that the appropriate department was closed due to the pandemic, there were no options to return the vehicle at the time and I was to keep the car and will be contacted for safe home pickup when the situation allowed to. I was also informed that I was not responsible for the situation and therefore will not be penalized by any means. I tried to make more phone calls throughout the month of XXXX, 2020 but the companies were closed completely due to Covid-19 and the offices were not answering my calls. On XX/XX/2020, the car was picked up after the Chase Auto group contacted me for a home pickup- like I was told they would. 
Shortly after, I received a bill from XXXX XXXX XXXX XXXX dated XX/XX/2020 stating for {$3500.00} A late payment has been reported the credit bureau by CHASE Auto Finance, causing severe damage to my credit. 
Their attempt to charge me this bill is a slander to my credit and an actionable law. 
I have made numerous phone calls to the customer service department and auto loan credit department at CHASE auto Finance and XXXX XXXX XXXX XXXX. I have put in numerous requests to speak to managers ; the request was to be answered within 48 hours. Each time, a manager failed to call me back. Account supervisors also asked to call me back after reviewing my case. Until today, I have not been called back by neither XX/XX/2020 XXXX ( ID # Unknown ) nor XX/XX/2020 XXXX ( ID # XXXX ) nor XX/XX/2020 Mo ( ID # XXXX ) nor XX/XX/2020 XXXX ( ID # XXXX ) and more. Almost all of these requests have passed the 48-72 hours request time which the managers/ account specialists needed to review the case and call me back. I provided them with back up phone numbers in case I missed the call but the calls were never even made. 
This has affected my credit majorly, which will cause me more issues in the future. The customer service has been horrible and unwilling to help with this outrageous bill. 
CHASE Auto Finance and XXXX XXXX XXXX XXXX will be held responsible for the damages, as well as punitive damages and misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XX/XX/2020, I did a transfer or attempted to transfer {$50.00} from my child support card and it actually went through twice. I entered my XXXX account number but it never let me enter routing. When I called XXXX, they confirmed without routing funds would be returned. Ive tried calling and reached two individuals who said they would refund money back to my card. Never happened and now when i call, i wait on hold for over an hour and they hang up. I need my money bc I am now XXXX and living with friends

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 2020-07-16 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: DISCOVER BANK
State: GA

Complaint narrative:
Upon reviewing my XXXX  Credit File, I noticed an unauthorized inquiry from Discover Financial Services with a date of XX/XX/2019. There is a number of XXXX listed so I called and requested assistance with getting the unauthorized inquiry removed and advised that I do not have an account nor have I applied for one. I provided my name and full social and was advised via the number listed with the inquiry that there was not an account for my social which I was aware of as I have never opened an account. The woman also advised that there was no applications on file. I advised her that is further more a reason why the inquiry needed to be removed and she advised that no one could assist me at that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
Around XX/XX/2020, I spoke to XXXX XXXX from Amerisave Mortgage Corporation about wanting to refinance my current mortgage to a lower interest, down to a fix rate 15 year mortgage, I told m Mr. XXXX that I am not playing games and do not like games and or misleading information, and above all I like to be honest and upfront. 
I told him that I had issues with another company who I was trying to refinance with, as they change the original agreement terms and had to many different people calling me and they were not communicating amongst themselves. 
I told him I did not want to deal with the same stuff and if that was going to be their deal, to let me know right away and we can stop the conversation. 

Mr. XXXX stated that Amerisave is a honest and upfront company and will not change the terms agreed upon and if for whatever reason anything was to change they would let me know so that I can make my decision to continue or stop. 

At first they were friendly quick to answer questions and or email, they asked me to a down payment of {$520.00} refundable. 
After I made the payment communication became more and more difficult, to the point that neither Mr. XXXX, Mrs. XXXX XXXX or their supervisor answer any calls, respond to voice messages or emails. 

They continue asking for more and more documents, which are being requested by at least four other people, and even after I submit the requested information they continue asking for the same items over and over again. 

As of today, they have not reach out to me to either tell me to XXXX XXXX XXXX XXXX XXXX, to cancel or denied the refinance proscess, and continue not to answer any phone calls, voice messages or emails, I have reach to all of the people already mention to stop the refinancing and to ask for a refund, but no ones is talking any more. 

If this company is working with the Veterans Home loans and other government financial entities, this company should be investigated for potential fraud or at least enforce them to refund the deposit to any other veterans who may be dealing with this and to my self. 

If you please keep me inform or if you can guide me in the right direction so I can get my deposit back and warn others about this company. 

Thank you XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CVB FINANCIAL CORP.
State: CA

Complaint narrative:
I write you to request your assistance with the gross and intentional mishandling of my companys SBA Payroll Protection Program ( PPP ) application ( original letter dated XX/XX/2020 ). With the assistance of senior management at XXXX XXXX, where I received my most recent PPP loan application denial, I was connected to Ms. XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX and Mr. XXXX XXXX at the SBA. Through the collective and concerted efforts of these individuals and their teams, I was urged to contact Citizens Business Bank ( CBB ) again, since all PPP applications after initial communication with CBB were denied by the SBA. 

I emailed CBB on Monday, XX/XX/XXXX to see if CBB had in fact submitted my loan packet to the SBA ( CBB states they never submitted our application - it was certainly never funded ). CBB did not reply. I  reached out to the SBA via XXXX provided contact information on XX/XX/XXXX also. Two days later on XX/XX/XXXX, I received an email from Mr. XXXX at the SBA informing me that CBB had an active loan assigned to my company and they cancelled it on XX/XX/XXXX one day after my inquiry and months after we applied. I was not provided even the professional courtesy of an email response or phone call from CBB. Their behaviors and attitude are worse than indifference and incompetence. My company and staff spent more than 80 hours on the PPP loan application process many of which was with CBB who subsequently told me to seek PPP financial assistance elsewhere. CBB then held our loan hostage for 3+ months ; this would appear to be willful and deceptive financial and business trade practices among other possible infractions of SBA lending covenants. As a trained financial and forensic  accountant, I think it close to impossible that mine is the only company in this situation. I not only request a response from you to this matter but an investigation of CBB and other small businesses put at risk of losing their company as a result of CBBs willful misconduct.

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 2020-07-16 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: NY

Complaint narrative:
I dont understand why Experian is asking me for the same documents that i already sent to them. Please see attached documentation to Experian for the SECOND time, for my complaint due to identity theft

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 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX/XXXX- XXXX : They never sent me a statement letting me know when my bills were due. I signed up for auto pay and it was never taken out. The lates that are reporting against me need to be removed. I had made contact with them letting them know I was unsure when the billing cycle was due and then the payment was not deducted from my bank in time.

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 2020-07-16 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: UT

Complaint narrative:
XXXX/XXXX- XXXX : They never sent me a statement letting me know when my bills were due. I signed up for auto pay and it was never taken out. The lates that are reporting against me need to be removed. I had made contact with them letting them know I was unsure when the billing cycle was due and then the payment was not deducted from my bank in time.

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 2020-07-16 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I've a Uber Visa BarclaysUS card. I used the card to order on Uber eats but the order didn't arrive. So the Uber eats team refunded me for the order. However, I still see the charge on my credit card. I raised a dispute online but I got a courier saying that I was missing certain info due to which my dispute was rejected. Now when I talked to the customer service, they asked me to send a dispute over a physical mail in writing. 
This is really bad and unethical behavior. The team is clearly doing everything to make it difficult for the customer to get back a valid refund. 

Order Date - XX/XX/2020 Transaction Date - XX/XX/2020 Amount - 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 2020-07-16 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I was charged by XXXX XXXX XXXX without my authorization on XX/XX/2019. I requested 4 movers for XXXX/hr. The movers showed up 2 hrs late with a XXXX rental truck and with 2 movers instead of 4. The owner charged my credit twice without my permission for XXXX and then couple hours later he charged it for XXXX. The guy stopped answering my calls. Submitted a dispute through credit card company and they said the charges are correct. My credit company is Navy Federal credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
ON XX/XX/2020 - I received a credit card ( Master Card ) from Bank of America Merill Lynch which I never applied for. This was a real credit card, approved, ready for activation, with a {$30000.00} credit line. It was not a credit offer with a fake card. It was in the correct name and sent to the correct address, but NO ONE in my family requested this card in any form. This undoubtedly impacts my credit rating in terms of amount of issued credit and whatever unauthorized credit checks were performed. This to me is an example of fraudulent requests and/or consumer-unfriendly business practices. 

On XX/XX/2020 I attempted to contact Bank of America Merrill Lynch and was transferred to another line in which I was forced to wait on hold for over an hour with no response, after I indicated possible fraud related to my own identity and the incorrect issuance of a card. I have also attempted other contacts. 

Prior to this time - I recorded with the appropriate agencies that I did not want any preapproved credit offers at my current address. I have NO previous relationship with Bank of America at this address or any other.

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 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
On XX/XX/XXXX we sent an offer to Round Point that met their requirements. Due to their EXTREMENE INCOMPETENCE we had to resend documents MULTIPLE TIMES. 

They claim the file was sent to their investor on XX/XX/XXXX. However they refuse to provide proof of that. Every time we call in, we get a different story. It has been OVER A MONTH since they claim they sent it to the investor yet they have no response. -- -- -- -- -- -- -- -- -THIS IS UNACCEPTABLE. -- -- -AT THIS POINT ROUND POINT IS WELL OUTSIDE OF INVESTOR GUIDELINES. -- -- -WE HAVE REQUESTED MULITPLE TIMES TO BE CALLED BACK BY MANAGEMENT AND NO ONE EVER CALLS BACK!!! 


-- -- -- At this point it is clear that Round Point is either INCOMPETENT or they are PURPOSELY DEFRAUDING THEIR INVESTOR AND CLIENT AND REFUSING TOP FOLLOW INVESTOR GUIDELINES to continue collecting servicing fees out of them. 


I want proof Round Point sent the offer to the investor and proof of when that happened. Since it seems Round Point is incapable of properly servicing their clients they should be shut down. This degree of INCOMPETENCE NEEDS TO STOP. 

-- I also attached the Authorization Letter which clearly shows I am an authorized third party, since that is likely to be the next 'false claim ' made by Round Point. -- -This complaint is being sent to the OAG.

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 2020-07-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
XX/XX/2020 was my last day working because of covid-19. Tomorrow will be 18 full  weeks I have been out of work. 
My employer filed unemployment on my behalf in XX/XX/2020, the unemployment office approved benefits & sent the required information to XXXXXXXX XXXX  somewhere out western U.S. I NEVER got the card, still no unemployment money. I received the papers letting me know the benefits are there for me. I have tried to contact every source including trying to contact the bank, without any luck. 
Please I am begging for help. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I took a loan out with Lowe 's for a necessary kitchen remodel in XX/XX/2018. They gave me a 24 month interest free credit card. Now they are adding a penalty of {$10000.00} to my card because I missed the grace period by 1 month. I tried to tell them I would pay the remainder, but they would not budge. I have been very worried about finances during the covid time as my husband is saying he could be laid off and my salary has been reduced. I'm not trying to get out of what I owe them. I just think that XXXX is way too punitive of a charge. I always paid my card on the XXXX of each month and never missed a payment until they applied the additional XXXX in charges to my account.At that point I wasn't paying enough to cover the minimum because the account went up so much. I would understand if they wanted to charge a penalty but this is horrible. They have started to send texts and emails but never warned me in any of those emails that I would be charged this much if I didn't pay off my loan. Please advise others to NEVER get a loan with Lowe 's or Synchrony bank as they are truly predatory. 

As an aside, Lowe 's was a horrible business too, drawing out my remodel for well over a year and consistently doing sub-standard work some of which I have had to fix myself. During this year, we were stuck cooking in the garage with a hot plate, they installed damaged equipment, made careless and incorrect measurements so whole segments of the cabinets had to be re-ordered, left damaged parts laying around for months in our home, damaged walls and floors and never repaired them, never hooked up grounding wires ( I had to do this myself ), installed things improperly that broke several times and were never repaired ( had to do myself ) and the list goes on. I really feel violated by this whole experience.I would say to avoid Lowe 's like the proverbial plague.

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 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I applied for an Apple Card on XX/XX/XXXX, and was notified that my application was denied because my outstanding balances were too high relative to my income, but that I could pay down my balances and reapply, without any detrimental effects. I began paying down my balances incrementally, reapplying each time, and being denied for the same reason, with the same guidance about how to get receive a different decision. I then paid off a large portion of my balances with birthday presents I received, and reapplied, this time noticing that I had previously underreported my annual income by only reporting wages. This time, I was denied because my information could not be verified, and instructed to call a Goldman Sachs Apple Card Approval specialist if I believed this was an error. I did so on XX/XX/XXXX, and was told that nothing could be done for 30 days, because the system was unable to take new information from me, at which time I could reapply. When I complained that I need the card right away, to finance the purchase of a new XXXX   for use in my job as an XXXX, and that I had been instructed repeatedly to reapply without any mention that doing so more than a certain number of times would prevent me from applying for 30 days ( if I had known this, I would have paid down my balances at once before reapplying, instead of doing it incrementally because I was told I could reapply repeatedly without penalty and was trying to get the card to finance my XXXX  purchase as soon as possible, for use XXXX  in these times ). After being transferred to a supervisor, I was told that I had to wait 30 days for the system to repopulate my data ; when I explained the situation and said I would contact the CFPB, I was told that a case would be opened for me and I would be contacted on XX/XX/XXXX. On XX/XX/XXXX, I received an email explaining that I had been rejected for the reasons detailed in the original rejection email, and to call a specialist if I believed this was an error. I called again, repeated exactly the process described above, was told again by a manager that all I can do is wait 30 days and reapply, although she initially said that there was no reason why that should be the case, so I am now filing this complaint. I am locked out of applying for a card I need to finance an urgent purchase for 30 days, because I did what the issuing bank told me to do in order to successfully reapply, at every point.

Company response to consumer: Closed with explanation