vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I came across an ad from Chase Bank offering a combined cash bonus of {$520.00}. The offer was a 3 step process and expired on XX/XX/2021 ( photos attached below ) : ( 1 ) Get {$220.00} for opening a Chase Total Checking and setting up direct deposit within 90 days, ( 2 ) Get {$200.00} after spending {$500.00} on purchases in the first 3 months from opening a Chase Freedom Unlimited Credit Card, and ( 3 ) Get an extra {$100.00} bonus for opening a Chase Total Checking and chase Freedome Unlimited credit card within the promotional time frame. Each product had it's own click to " open an account, '' which I followed accordingly. There was no mention of coupons or codes. 

Since then I have received {$220.00} into my Chase Total Checking onXXXX ( photos attached below ) as well as the {$200.00} bonus towards the Chase Freedom Unlimited in the form of points ( XXXX points for the equivalent of {$200.00} ). However, I am still waiting for the extra {$100.00} bonus. Since then I have made numerous attempts, through the Chase Online Banking secure message center and with customer service reps. via their customer service line with no avail. I have consistently been given the run around because I am unable to provide them a " coupon code, '' which the website never mentioned. I am forced to file a complaint to find a resolution for an issue that has been ongoing for over a month. All I am wanting to accomplish is getting my bonus or at least an understanding of when and where this bonus would be deposit/credited to. It seems like no one has a clue. 

I have included contacts via the Chase Online Banking secure message center below which contains a case number in the event this is helpful. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
We paid off a loan with Caliber Home Loans on XXXX XX/XX/2021. There was an escrow ( impound account ) that had a balance on XXXX XXXX of roughly 9000 dollars. On XXXX XXXX they did a system update after which showed a balance of XXXX dollars. There was no taxes owed since we had prepaid the taxes in XX/XX/2021. They say they did not attempt to pay the taxes yet there system update subtracted the amount. They say they need 0 days to research what happened. Meanwhile they have 21 days to pays us the balance of the escrow account which means they cant pay the amount owed to us in the 21 days allowed. They propose to pay us the XXXX and have us hold onto the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Locate Source America, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I noticed that funds were being taken out of my paycheck regarding a garnishment. The documentation provided to my employer was from a judgement from XX/XX/XXXX sent to an address that I did not reside at for an owed amount of {XXXX} in principal and {$XXXX additional interest and Attorney fees creating an owed amount of XXXX A Filed Case was done in XX/XX/XXXX over XXXX  years after the original judgement to which the debtor claims {XXXX} interest with an XXXX % or {XXXX  per day has accumulated bringing the new owed balance of {$XXXX}. The statute of limitations is XXXX years in Nevada and this is for a debt that has passed the statute with interest that has tripled over the original amount in XXXX. The debtor sent the notification to an address that I did not reside at nor have they made any connections regarding this matter. I did open a claim with the XXXX XXXX XXXX which the debtor says they have made contact with me and is refusing to provide information regarding the debt. I have sent certified letters to the debtor trying to obtain a letter of validation of debt which the debtor refuses to provide. The addresses on file for the debtor are addresses where the company does not reside at. The company is XXXX XXXX XXXX XXXX  where the address on file are : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( address is an apartment complex with no apartment number ) and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( address is an dentistry as well as an return certified letter for undeliverables ). I finally found an address for the company at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX where I did send a certified letter that was delivered yet the company has not responded. The only conversation I have had with the company has been through my XXXX  claim which the company is denying to provide a letter of debt validation or other information regarding the previous attempts to collect upon this debt. The XXXX case is # XXXX. As of XX/XX/XXXX XXXX XXXX XXXX XXXX  has received {XXXX} and claims {$XXXX is still owed for a debt that I am not aware of, sent to an address that I did not live at, a debt that is past the statutes of limitations to collect upon, and will not relinquish any information regarding the debt or the attempts to collect upon it nor the attempts to contact myself regarding this debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Approximately a year ago, there was a fraudulent attempt on my account to use the integrated XXXX application to transfer money out of my account. I caught it in time and asked Regions Bank to disable my integrated XXXX app which they did. 

A little over two months ago, I was elected as XXXX of an organization and needed to use the XXXX app to receive funds from the members such as dues, contributions and other activities. Since I asked them to reactivate it, they have been unable to do so. The first couple of attempts resulted in my XXXX account having a block still on it. After several more attempts, they advised that it was fixed. Not so. I can send money with it but can not receive money which is exactly what I need to do. 

The bank has been rather cavalier in their approach to correcting my problem. I have even suggested they contact me one a week for an update on their progress. They have not done this. 

There must be a fix to this problem but they seem in no hurry to discover what that may be.

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 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Attempt to open an account thru Bank of America using my SS #, name, address etc. Per Bank of America request was " red flagged '' and will take 90 days to process correction. This has been reported by me to credit bureaus and Post Master as fraud. Please advise any further steps on my part on protection of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: PA

Complaint narrative:
AmeriCollect Inc added multiple medical debts to my credit report. 
Amount {$100.00}, {$130.00}, {$160.00}, and {$230.00}. 

On XXXX XXXX i sent AmeriCollect Inc a certified letter return receipt requested. AmeriCollect has not validated any debt with the original contract with my signature, also they have violated my consumer rights and have no permissible purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I was solicited by Citibank to open a new checking account that had a promotion attached to it with a certain level of deposit I was eligible for a {$400.00} bonus after 60 days. It was due to be credited to my account in XXXX and it has not and it is now XXXX. Starting XX/XX/XXXX I called weekly to customer service and was never given a straight answer why the promotional bonus would never credited to my account and they never resolve this issue. It feels like they wanted more deposits for their bank but they're not taking care of the customer and they are using misleading advertising and misappropriating funds that I am due.

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 2021-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). 

XXXX XXXX XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to XXXX. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX Act. The FTC is one of the federal agencies that enforces provisions of XXXX XXXX , and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: CO

Complaint narrative:
After informing IQ International to stop calling until we here back from the CFPB, the representative advised that we are refusing to pay and she is going to report us for refusing to pay. She is still calling multiple times a day after we explained we do not wish to talk to her, and we have already filed a complaint. She is still being unprofessional and making threats. We are submitting a second complaint due to harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. 
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. I have never recieved any response about the letter i sent last XX/XX/XXXX. The inaccurate information about my inquiry is still on my Credit Reports. Therefore, Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Credit Bureau as willful negligence and non-compliance with federal statutes. Here is the inquiry that still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NC

Complaint narrative:
I am a consumer and multiple Apple product owner who has applied for the Apple Card now XXXX XXXX with denials unrelated to my credit score, income, or ability to repay.

I have been told by automated system via email to upload a drivers license with all XXXX corners visible, against a solid surface. I have uploaded this multiple times and have been told via denial email that my identity can not be verified. This is completely untrue, as I have other credit accounts, bank and credit union accounts, IRS tax file, US Passport, XXXX XXXX background cleared, a valid unexpired drivers license, a mortgage in my name, and property and auto and insurance which uses in-depth background reports to verify identity. 

The system is not claiming that my identification card uploaded is not visible but rather that my identity in its entirety can not be verified which is not true. 

After multiple denials, the system will process my application and then the response is you can not be approved at this time because you have applied previously and your identification cant be verified I feel this is a type of violation of the fair credit reporting act in which a denial has to be explained. If my drivers license is valid and I am the person applying for this card then I need to have a full explanation as to why Goldman Sachs acting on behalf of Apple credit card is saying that my identification can not be verified when 100 % of the time with all other creditors and government agencies my identification is easily verifiable. 

Now, for the past XXXX  months Apple/Goldman Sachs will no longer even process my application and seems to have blocked me while given the generic message of you have applied a number of times and your information can not be verified. 

The system tells consumers to reapply if they feel the decisions were an error and when I reapply I am given the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 30 days late ( XX/XX/XXXX ) since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. 
GMFNANCIAL - ****** Opened Date XX/XX/XXXX Balance {$11000.00} GMFNANCIAL - ****** Opened Date XX/XX/XXXX Balance {$20000.00} GM FINANCIAL - XXXX Opened Date XX/XX/XXXX Balance {$10000.00} GM FINANCIAL - XXXX Opened Date XX/XX/XXXX Balance {$20000.00} GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$11000.00} GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I fell behind in my mortgage payments. On XX/XX/2021. I applied to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX program and I was approved. They sent an electronic transfer to Shellpoint Mortgage on XXXX however the mortgage company is given me no credit for these funds and still threatening foreclosure.Furthermore any payments I make are not being applied to my account either.. I have reached out to XXXX and XXXX for assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: WV

Complaint narrative:
One Main Financial sent me an advertisement through the mail to extend credit for up to {$10000.00}. I, a consumer applied for an extension of credit through an application and was denied an extension of credit due to information that was shared through the credit reporting agencies which is identity theft and fraud according to the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Pursuant to 15 USC 1602g I the consumer have the right to extend credit. I granted you the credit on my application. Pursuant to Equal Credit Opportunity Act 15 USC 1691 ( a ) Activities constituting Discrimination shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Asset Agency, Inc.
State: GA

Complaint narrative:
Received a phone call at work from an agent asking for my address for a 1099 to be sent out. Given I work at XXXXt, I told the lady my addressed and asked her what this was about. She gave me a case number and phone number for Global Asset. Global Asset notified me I owe {$1400.00} to another company and the only way to resolve the issue with them to get it removed is to pay that 1400 or keep up the process of IRS garnishment which will commence in 1-3 business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
We sent our XXXX payment thru the bank on XX/XX/XXXX. I started getting texts from Village Capital on XXXX XXXX, saying they hadn't received my payment. They told me to call back on the XXXX, because it was in the mail. I back on the XXXX and they said they hadn't received the payment yet.I put a stop payment in that day. When the money was put back in my account on the XXXX, I called the mortgage company to make the payment. They said it was paid on the XXXX. I called the bank and they told me Village Capital had received the payment on the XXXX but hadn't cashed it until the XXXX. I then payed over the phone. Because they didn't cash the check in a timely manner, I was charge a fee to stop the check, a late fee and a charge to make a payment over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently reviewed my consumer report and I became aware that this company is furnishing Incorrect information on my consumer report across the 3 major credit reporting agencies. This information is not 100 % accurate across all three and this account must be removed due to its inaccuracy. It is to my understanding that pursuant to 15 USC 1681 ( a ) 1 that the banking system is dependent upon fair and accurate credit reporting and this inaccuracy directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681 The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I paid off my lease with Chrysler Capital in XXXX by doing a lease buy out with my bank. In XXXX, I accidentally made my new loan payment to the lease with XXXX instead of my new bank loan. On XX/XX/XXXX, as soon as I realized this error I contacted XXXX. I spoke with a gentleman who assured me that since the account have been paid in full, the additional payment would be returned to me. After XXXX days of not receiving my monies back, I contacted XXXX again and they told me that I would need to provide a full copy of my bank account statement, with no redactions, in order to get my money back. This was never told to me and I informed the last that I would not be sending my personal identifiable information for my checking account. This is an invasion of my privacy. I asked for alternate options to which I was told that they understand my privacy concerns but that is their policy. They are making it difficult for me to get my money back. This is an unfair practice and a tactic to keep funds that dont belong to them.The funds were sent via ACH from my account through bill pay and those funds need to be returned to me. I tried speaking with a speaking with executive office and after an hour was told they would need to return my call. 

Pleas help.

Company response to consumer: Closed with explanation