vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
There is an account for Barclays showing opened in 2020 on my credit report. I have no knowledge of this account nor have I opened any accounts in 2020  on my credit. The next step will be filing a police report for fraudulent activity and identity theft if this can not be resolved

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 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XX/XX/2022 I purchased the money order in XXXX XXXX XXXX at XXXX XXXX XXXX XXXX {$850.00} I gave it to my landlord the landlord said the money order had to stop payment on it I paid cash for the money order and now MoneyGram saying that it's an invalid money order and there's nothing that they can do I have the stub and the money copy of the money order from my landlord

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Back in XXXX I attempted to close my XXXX XXXX XXXX and the company refused to close it. I filed the complaint and as result ( Citi XXXX # XXXX ) the company responded back stating it waived the fee and instructed me to call Citibank again. I called again and again I asked to close my account. It wasn't as as of today the Citibank is sending me notices of overdraft. 
Today on XX/XX/2022 and the call was handled by their CSR in XXXX that was unable to even review the info on the account after putting me on several holds. Subsequently I requested and was transferred to a call center in the US where I again I was put on hold for about XXXX XXXX  after which the call was subsequently and without warning disconnected. 
It appears that the Citibank is refusing to close my account and it is interested in accruing fees on the account. Questions 1 ) Why is the bank refusing to close my account despite REPEATED requests to do so? 
2 ) Why there is absolutely no accountability with the Citibank for this outrageously poor customer service where the customers are not dealt with by either incompetent/unauthorized employees who apparently do not have a level of skill set to perform a simple operations such as account closing? 
3 ) Or is it the Citibank 's business model to accrue fees regardless of basic ethical and professional norms?

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 2022-07-20 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: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
In reference to complaint # XXXX that was closed with no real proof provided. Automobile Acceptance claims to not have been able to even locate the account, then after sending in adl proof they were able to locate it and claim that the information is reporting correctly! Where is my proof of these claims? I am demanding all names and correspondence of who investigated this matter and I will also need the XXXX XXXX for this account, which includes the file, ledger, any and all accounting and transactional history, books of accounting and the ORIGINAL contract. This information that is being furnished by Automobile Acceptance is inaccurate and their negligence into this matter is disheartening. The CFPB should require companies to send verifiable proof regarding claims that are being disputed by federally protected consumers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: OLD NATIONAL BANCORP
State: CO

Complaint narrative:
On XXXX I notified First Midwest Bank, now Old National Bank that my Mother passed away. I spoke with XXXX a banker she advised that I needed to send a copy of death certificate, copies of the XXXX ID and a noterized letter that I wanted to close the accounts. This info was sent certified. Two weeks later XXXX called me and said that the bank XXXX said that I would have to travel to XXXX in order to even close the account. This whole problem has now taken 4 months. This should be illegal and I believe it is. Beware of this bank location in XXXX IL.

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 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I requested to have PMI cancelled. 

I received an email from XXXX XXXX with language attached that applied to refinancing. The language hes using does not apply to PMI cancellation as to what the original value means. 

Hes using apple language and the requirements from my investor for canceling PMI for original value is not the same.

Why is Bank of America continuing to put up road blocks to hold onto canceling PMI.

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 2022-07-20 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: Netspend Corporation
State: IN

Complaint narrative:
I received en email about a credit card that isnt mine someone started in my name with ace elite

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 2022-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I purchased a used XXXX XXXX XXXX from XXXX, {$500.00} down, on XX/XX/XXXX with my grandfather as my cosigner. My account was then transferred to Bridgecrest ( account # XXXX ) from that day forth, which I was never informed of. I have a bi-weekly payment of {$220.00}. My credit report shows XXXX payments remaining. But when speaking with Bridgecrest on yesterday, they stated that I have XXXX payments remaining. By the time I pay the car off, I'll be paying almost 3 times of what the car was priced. I then asked what all has been paid thus far which is {$4300.00} towards the principle and {$10000.00} towards the interest. I feel that I'll never be able to pay this car off and that my grandfather and I are being legally robbed. I have been unemployed since XX/XX/XXXX. They won't alter the interest rate or even change the payment arrangement from twice a month to once a month. What can my grandfather and I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022 Citi bank illegally closed my account without my consent and by unfair and deceptive business practices. 

They state the account fell negative however as you can see in my letters that it only feel negative because of unfair and illegal business practices. Because of fraud within the bank and their employees theirselves for double charging meaning charging the merchants named in dispute, then charging clients to obtain an illegal balance debt and then closing the accounts that feel negative due to that and then sending those closed accounts they put in escrow illegally to collections. I notified the bank and as soon as I did they changed their story numerous times. I have the video recording from employees and supervisors I have EVERY piece of document on dispute ever number of the accounts negative balance as it changed 5 times before closing with different balances that NO one at the bank could confirm where those numbers came from. 

This is illegal and it is fraud. Then after stealing your money from you, they say you can not receive the funds for up to 90 days by check. 


When you go rob a bank are you committing a crime? 

Even though you give the bank the money back do you still get charged for the theft? 

Ok then same thing in this case. It should be treated just as EQUAL because that is EXACTLY what this is. Fraud within the bank and theft. 

Unfair and deceptive and illegal business practices

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 2022-07-20 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: Chime Financial Inc
State: FL

Complaint narrative:
In XXXX I filed a dispute on my XXXX  XXXX  card because XXXX took the money from the wrong form of payment. Chime denied the claim and I moved on not thinking anymore about it. Continued paying my monthly bill like normal. On Thursday XX/XX/XXXX I went to pay my bill and noticed it was for 2 months instead of XXXX. When I contacted XXXX they said in XXXX a payment was reversed so I needed to pay that months bill as well. They sent me a screen grab of the reversal. I have talked to XXXX different people at Chime about this. They submitted a rebuttal to the investigation team and it was denied again. I emailed them what XXXX  sent me and I keep getting told NO. I have to repay the bill they took the money back from but still have not received any of the money they requested back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation
State: NJ

Complaint narrative:
I opened an account with a referral link for a {$500.00} bonus when the terms and conditions were met on XX/XX/22. The terms and conditions stated that I had to make a direct deposit of {$200.00} or more every 30 days for 90 days, and make {$200.00} in debit card transactions in the same period. I completed all of the requirements for each of the three 30 day periods. 

On XX/XX/22 which is after the 90 day period, I messaged their customer service to confirm that the requirements had been met and that the bonus would be issued. They would only send me a generic response stating that I might not have qualified for the bonus for various reasons, and would not respond to further requests for clarification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Between late XX/XX/XXXX and early XX/XX/XXXX I made XXXX ( XXXX ) payments to a scammer posing as a legitimate booking agency by the name of XXXX XXXX ( XXXX ). One payment was in the amount of {$500.00} for the company to book paid live performances for me which never occurred along with a second payment of {$400.00} for XXXX XXXX XXXX to book a photographer for press photos which never happened as well. 

I attempted to reach out to XXXX XXXX  ( XXXX XXXX ) multiple times in order to receive a refund to which they denied the request. I reached out to CashApp and filed a fraud report to which they stated they will not retrieve the payments. I attempted to file a police report but without an address I am unable to legally serve XXXX of XXXXXXXX XXXX XXXX to take him and the XXXX XXXX to court. 

CashApp ( XXXX XXXX  ) is enabling and assisting in illegal ( fraudulent ) activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
My Chime debit card was debited after I had already paid XXXX XXXX XXXX XXXX using my XXXX XXXX XXXX  Account! They Charged me for {$4000.00} on XX/XX/XXXX across both accounts as seen in the screenshot I sent to chime disputes. My dispute was declined after showing clear proof and evidence that this company double charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Reporting to Chase as XXXX says to contact Chase and then Chase says to contact the credit bureaus. No one CARES. 

It's been delinquent since XXXX and should be removed per FCRA. It was NEVER brought current. It was sold to another company. 

XXXX is reporting Date of First Delinquency XX/XX/XXXX regarding my account XXXX XXXX XXXX XXXX  This is shown on the attachment XXXX Chase XXXX In the same attachment, it also shows delinquency started in XXXX. I have disputed this dozens of times with XXXX and they refuse to update anything. They claim everything is verified. " We have researched the credit account. Account # - XXXX The results are : THIS CREDITOR HAS VERIFIED THAT THE DATE IS BEING REPORTED CORRECTLY '' This is shown on the attachment XXXX XXXX XXXX XXXX took less than 48 hours to review my dispute and I'm requesting that XXXX answers all my questions in the method of verification letter attached named XXXX XXXX-Chase-XXXX XXXX  48 hours seems awfully quick to verify a dispute for something that has ruined my credit report and financial situation for many years. Per the FTC website. https : XXXX Section Delinquent Accounts FCRA 623 ( a ) ( 5 ) ( A ) There are several examples shown under the FCRA that describes my situation. Please review the FTC website I have shown above for clarification. My account became delinquent in early XXXX and was never brought current. Meaning the correct delinquency date is early XXXX and NOT XX/XX/XXXX. XXXX is incorrectly reporting information on my account and also it should be completely removed as it's been 7 years. I have time and time proven this a dozen times over the past years and every single time XXXX doesn't even make an effort to review the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Why does XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX label all my requests for a copy of the permissible permission issued to Experian and used to access my credit report in XX/XX/2017 as duplicate complaint. Neither Experian nor XXXX have complied, investigated nor submitted valid permissible permission used to have accessed my credit report in XX/XX/2017. Experian investigates by asking XXXX if they are reporting accurately and XXXX always answers yes. This appears to be a game for both companies to dodge and deflect any liability.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XX/XX/22 I scheduled a payment in the amount of {$340.00} through the online system. The payment was debited from my checking account on XX/XX/22. The payment was never applied to my credit card balance. I contacted First National Bank Omaha to notify them of the discrepancy and on XX/XX/22 I was asked to provide proof of payment from my bank. I faxed the information and did not receive any update or response for two weeks. I called on two separate occasions and each time was notified that the Accounting department is not available because of the time of my call. When I called during Accounting department 's working hours I was informed by the representative that the payment batch is ready and will be applied. The first week of XXXX I received a notice dated XX/XX/22 stating that the misposting of my {$340.00} payment has been corrected and will appear on my next statement. When I received my statement the payment still did not reflect and the inflated balance. On XX/XX/22 I sent a secure message to the bank but still have not received any response. I checked my account online today XX/XX/22 and the payment still has not been applied.

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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account was closed unexpectedly for no reason i had about {$25000.00} in savings and now theres no money left.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have several cards with Comenity Bank, for the month on XXXX and XXXX I have made my payments, but I keep getting calls saying my payments are not being accepted and Im getting charged late fees, Comenity has been having an issue with their system where you can not access it to make payments online or by phone. But will call you and tell you that you have a missed payment and the amount is now doubled.This issue has caused me over drafts from them going into my account several times and even my credit scores has been affected by this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
1. XX/XX/XXXX : I submitted employment verification to FedLoan for employment at XXXX for period XXXX - XX/XX/XXXX. 2. XX/XX/XXXX : I received an updated count for payments which did not reflect either XXXX as an employer or the period of employment from XXXX - XX/XX/XXXX. 3. Instead, an employer XXXX XXXX XXXX XXXX  ), for which I worked XXXX, was listed a second time for period XX/XX/XXXX - XX/XX/XXXX. 4. I did not work for XXXX XXXX XXXX XXXX. During that Period, I was employed by XXXX XXXX in Pennsylvania. 5. So instead of adding a year of employment history for the period which I was in repayment, which would give me more time towards eligibility for XXXX under the waiver, I was given 1 month. 6. I checked the FedLoan website, was able to see a copy of my employment verification form, and verified that I submitted the form from XXXX correctly. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I requested Bank of America to cancel my PMI. 

I received a letter stating my investor requires a current market value. This is not true see letter from Bank of America. 

I received an email from XXXX XXXX stating my investor requires an appraisal. This is also not true. 

On the letter it states an agent or broker will contact me to schedule the appointment to provide an appraised value. 

Real estate agents and real estate brokers are not licensed to provide appraisals in Georgia. Since they are not licensed to provide appraisals, what service are they providing. 

The letter says they will be providing the current appraised value. Bank of America could use an AVM, automated valuation model to do this.

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