vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
All three of the credit reporting bureaus ( Equifax, XXXX, & XXXX ) do not provide the proper information, web forms, or customer service center access for US military personnel and their families serving overseas to properly access their credit report, file a fraud alert, or place a security freeze on their credit file. At least two of the credit bureaus do not provide the APO/FPO/DPO state designators in their dropdown menus for entering a current or past address ( AA, AE, or AP ). When attempting to call the customer service centers, the automated menus do not allow the caller to request a representative and the automated service menu will close out the call if the caller answers the " security '' questions but the information can not be verified. Equifax, XXXX, and XXXX  currently demonstrate they do not care about their customers, particularly those who have chosen to volunteer to protect the United States, our freedoms, and the human rights of people all over the world. Equifax, XXXX, and XXXX  should be extremely ashamed of the way they treat all their customers and especially their lack of effort in serving the US military community all around the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Todd, Bremer & Lawson, Inc.
State: VA

Complaint narrative:
Contacted by Todd Bremer and Lawson regarding an outstanding tuition bill with XXXX XXXX University that my daughter incurred. Advised them I would pay the school directly. They called me back a week later, I advised them I paid the school directly - they disagreed, I was asked to pay the debt again. I find this tactic to be inappropriate considering that the outstanding debt was over $ XXXX. 

When I called to express my concerns with this interaction the manager, XXXX XXXX ( XXXX ), was rude and she hung up on me trying to have my call escalated to a more senior-level manager in the firm. When I returned the call, the secretary advised me to leave a message for TC outlining my complaint. I asked if there was some other way to express a complaint with how I was treated, the secretary said that I could leave a message for another manager. I refused to allow this issue to be not be addressed so I am forwarding a complaint to the CFPB so this firm 's practices can be reviewed for unethical practices such as attempting to collect debts not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizens Bank cashed a check with no signature that was also post dated by a month. I am listed on the account and also have POA on the account. I have contacted Citizens Bank 8 separate times to get my mom 's money back for {$90.00} since she never signed the check. The bank was unresponsive, but most of the employees agreed it was clearly a bank error that allowed the check to cash. Citizens said the bank was presented to XXXX, so it is XXXX ; XXXX fault and they can do nothing. I made a video here : XXXX XXXX XXXX The last call was to the Chairman of Citizens Bank 's office and the record, single party consent, it on the linked video where they refuse to reimburse the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My electric service provider was XXXX XXXX for 25 years. Moved in XXXX, so closed my XXXX  account in XX/XX/XXXX. XXXX  would not allow me access to pay online, since my account was closed. Even though had been making online payments each month. XXXX  advised me to go to an authorized payment center, and they only accept cash. Never used a payment center before. Went with cash and copy of my bill from XXXX, paid cash and got receipt. 
XX/XX/XXXX - 14 years later ... received letter from collection agency regarding the last payment to XXXX. Did chat sessions, to resolve, with XXXX today, and was told that my payment was applied to wrong account. How does the individual customer have control over what account they post payment too? All customer support at XXXX  said was that this debt was sold, and I would have to talk to the " owners '' which is a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
During the sales call, the rep talked about terms of the loan and said that I needed to pay {$500.00} and that it would be applied to closing costs to start the process. First, they never did get the terms correct as promised in the disclosures. I called and called with very slow responses. Said they would fix the problem but they never did. The " application fee '' showed up and they said it would be removed at closing. I said no, I want it removed now. They never did that. They were extremely incompetent or trying to deceive me. 

I went to another broker because of all the problems. I asked for my appraisal to be transferred and they said I needed to pay {$570.00}. I told them that I paid them {$500.00} already and they said that wasn't part of that even though the sales rep said otherwise. They supposedly record all calls so you should be able to verify the very deceptive language the sales rep uses.

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 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I applied for a mortgage refinance with Chase Bank. They charge a {$500.00} fee to apply. They said if I go through the whole process with them, they would refund my money, if if I didn't qualify. During that process, I also applied for refinancing through XXXX XXXX. My Chase bank agent became irate when I told him about XXXX XXXX  and the better rate they offered me. 

On XX/XX/2020 I called Chase to complain my agent ceased communicating with me. They gave me a website URL where I could find a new agent. I called the new agent told me she had no time for me. I proceeded to close my refinance with XXXX XXXX. 

On XX/XX/2020, I called Chase for refund of my {$500.00}. They told me they would get back to me. 

On XX/XX/2020 Mr XXXX, my Chase agent who never called me back, claimed he was on vacation for 2 weeks and was told I requested withdraw my application, which is patently false. 

On XX/XX/2020 XXXX from Chase called to say my request for a refund has been denied. When I told her she was acting in bad faith, she said she would get back to me. 

On XX/XX/2020 XXXX XXXX. XXXX XXXX called to inform me the request was denied after review. They insisted I requested to close my application by email. When I asked him to show me the email ( because I never sent one ) he replied they are not allowed to use email. When I told him I would report him to the Federal government, he replied he would get back to me. 

XX/XX/2020 XXXX XXXX. XXXX called back to say request denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
on XX/XX/2020 i was informed by XXXX Bank of america that my account was makin purchases in an online gaming cite called 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 2020-10-27 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: HI

Complaint narrative:
Equifax is in violation of the fair credit. My underdtanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/2020 I purchased a Bluebird debit card at XXXX 's in XXXX Ohio. I paid XXXX for the card and I deposited XXXX dollars on the card. I went home and attempted to activate the account. I followed the instructions on my phone from Bluebird until the end when Bluebird said they would email a six digit security code to me. I entered the email code and got an incorrect code response. I followed directions to have a new code emailed to me. It was incorrect too. When I typed in their 4th code they locked my account. I call Bluebirds customer service and their automated system cuts me off and won't connect me to a person. XXXX can't help me. American Express can't help me. I'm at a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
All three of the credit reporting bureaus XXXX XXXX, TransUnion, & XXXX  ) do not provide the proper information, web forms, or customer service center access for US military personnel and their families serving overseas to properly access their credit report, file a fraud alert, or place a security freeze on their credit file. At least two of the credit bureaus do not provide the APO/FPO/DPO state designators in their dropdown menus for entering a current or past address ( AA, AE, or AP ). When attempting to call the customer service centers, the automated menus do not allow the caller to request a representative and the automated service menu will close out the call if the caller answers the " security '' questions but the information can not be verified. XXXX, TransUnion, and XXXX  currently demonstrate they do not care about their customers, particularly those who have chosen to volunteer to protect the United States, our freedoms, and the human rights of people all over the world. XXXX, TransUnion, and XXXX  should be extremely ashamed of the way they treat all their customers and especially their lack of effort in serving the US military community all around the world.

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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
All three of the credit reporting bureaus XXXX XXXX, XXXX, & Experian ) do not provide the proper information, web forms, or customer service center access for US military personnel and their families serving overseas to properly access their credit report, file a fraud alert, or place a security freeze on their credit file. At least two of the credit bureaus do not provide the APO/FPO/DPO state designators in their dropdown menus for entering a current or past address ( AA, AE, or AP ). When attempting to call the customer service centers, the automated menus do not allow the caller to request a representative and the automated service menu will close out the call if the caller answers the " security '' questions but the information can not be verified. XXXX, XXXX, and Experian currently demonstrate they do not care about their customers, particularly those who have chosen to volunteer to protect the United States, our freedoms, and the human rights of people all over the world. XXXX, XXXX, and Experian should be extremely ashamed of the way they treat all their customers and especially their lack of effort in serving the US military community all around the world.

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 2020-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Finaced a lease vehicle from GM Financial on XX/XX/XXXX and returned the lease vehicle at the end of the lease on XX/XX/XXXX to XXXX XXXX dealership. All payments has been made per the contract I signed. Contract has ended and all payments was made in full per contract.Gm financial is reporting to the credit bureaus that I have a remaining balance on my account, but all payments has been make per the contract.Gm financial states the balance is for wear and tear and over mileage which I have disupted several times. I also contacted an attorney that stated wear and tear and mileage at the end of a lease could not be considered a part of the contract. only payments not made during the lease contract can be considered as a balance owed at the end of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THEM. I AM ASKING THAT YOU PLEASE REVIEW AND REMOVE THE ACCOUNT AND INQUIRIES OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-27 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: HI

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-10-27 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Santander is reporting false information on my credit report called them and let know they refuse to deal with it is keeping me from getting a home because of the car on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I purchased a new Toyota on XX/XX/2020 as well as GAP, an extended warranty, prepaid maintenance, and tire and wheel. I am trying to cancel these in a timely manner to avoid interest charges. Toyota is making it very difficult to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America is the worst institution I have ever had to use. I use them because Nevada Unemployment. 

Change atm amounts all the time and also locks people out of their cards. 

Worse company ever.

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 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX of XXXX, Fifth third falsely accused me of committing fraud with no proof. No funds was overdrawn and I do not owe the bank any money. Plaintiff XXXX XXXX filed her XXXX XXXX class action lawsuit in XX/XX/XXXX, claiming the company violated the FCRA by failing to provide accurate disclosures to consumers when they have fraud alerts on their account. I was apart of this class ( A ) lawsuit and I was settled out. My attorney have asked me to reach out to Fifth third once again to have them remove this inaccurate information from early warning. If the company refuses, we'll take legal action against Fifth third bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A letter, Certified Mail No. XXXX, has been sent to your office and addressed to CFPB Director, XXXX XXXX. The letter was delivered at XXXX XXXX  on XX/XX/2020. The company at fault is CAPITAL ONE AUTO FINANCE, and all other pertinent information is within the letter. CAPITAL ONE AUTO FINANCE needs to acknowledge the loan has been paid in full and release the title to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I received an ad in the mail to apply for a credit card. I got an email on XX/XX/XXXX saying I was approved for a credit card and that I needed to call to establish membership. I called and they said that if it they did over the phone it would be another hard inquiry so they walked me through applying online. It asked for the same documents that I submitted with my credit card and the rep told me it would link up would just take 1-2 days. Turns out that didn't happen so had to call to get figured out which they placed me on hold for about 30 minutes to do? Finally my bank account was opened and just now I was called saying I would need to submit a new application? I feel like this is a phishing scheme to get my information at this point.

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 2020-10-27 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: NY

Complaint narrative:
I am a victim of 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 explanation
Consumer complaint received 2020-10-27 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hello, I located your email address off theftc.govsite, Ive filed a report of a scammer named XXXX ( Report XXXX ) who continually calls me impersonating a Chase Bank Fraud Department employee claiming there are suspicious charges on my account. 


This person has been calling multiple times since XX/XX/2020 and is calling from a Florida number. XXXX He will try to ask me for specific account and person information to verify it. 

However I contacted Chase directly and they stated ( even on their site ) they don't call customers in this manner. 

In addition, he called on my home number which isn't associated with my account and unfortunately did have my Date of Birth. 


I just wanted to email you to inform you of the situation and appreciate any assistance you could provide to help stop this and if theres any recourse for me. 

XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation