vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I went to the Bank of America XXXX, NJ branch because I needed blank checks. 

I was shocked when the teller said that the Bank of America does not provide them. 

This was repeated by the branch manager. 

I was never told why not! 

The branch manager accused me of being negligent in not having my own checks. She failed to appreciate these possibilities : 1. Unexpected bills 2. Damaged checks 3. Need to write another check 4. Lost checks NO! She was adamant but said that as " an exception '' she would allow two free bank checks. But I said that I did not yet know to whom I was going to write my checks. She said come back with the information, forcing me travel miles home! OUTRAGEOUS INCONSIDERATION AND INSENSITIVITY! I am a senior citizens of advancing years with very serious medical problems indeed! 

I told her I would have to close my Bank of America accounts. She expressed no concern at all, no caring at all! It was it seemed to be just good riddance! 

This is how a bank treats it customers? 

Besides, the branch manager did not social distance despite my request and finally she did move back some feet! 

Nor were the various identification devices clean! Only once a day in the morning! How wrong as it is apparent the Bank of America has no idea there is the deadly and highly infectious novel coronavirus! 

And then there is this : The Bank of America dawdles with complaints I have failed. Never has an immediate answer! That is perhaps because the Bank of America thinks these matters are rocket science! 

And the CFPB is toothless and I say this with all due respect!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Statement of facts I performed a credit transaction with Santander consumer USA XX/XX/2019. I notice that there was a loan application with SANTANDER CONSUMER USA which I do not agree with. I am a consumer/natural person and my rights have been violated. I have reached out to SANTANDER CONSUMER USA stating my rights and federal laws that they have violated. State laws does not trump federal law. 1 ) They have violated TILA 15 USC 1605 Determination of finance charge. The finance charge does not include charges of a type payable in a comparable cash transaction. They required that I pay { {$2000.00} }. They have also violated 15 USC 1611 ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, There is no limitation on fraud. They also violated 15 USC 1640 ( a ) ( 1 ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; SANTANDER CONSUMER USA failed to inform me of my federally protected right to terminate my credit transaction according to 15 USC 1635 Right of rescission with regulations stated under 12 CFR 226.15, 12 1026.23 RIGHT TO RESCISSION. After reaching out to SANTANDER CONSUMER USA they expressed to me the consumer natural person I didnt have the right to terminate my contract by any means in the state of Texas XXXX Implementing my federal rights were no longer protected, yet somehow SANTANDER CONSUMER USA still operated under TILA. According to the law violating these terms results in a fine DOUBLE the finance charge. This complaint will be forwarded to the correct department federally and locally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I make advance payments on my auto loan every two months. Every month, I get a collection call from Chase Auto Loans saying that I haven't made my payment. I say that I paid for two months, and they say that the second payment was applied towards the principal, and I am still late. After complaining, they tell me that they will fix it. Then they call a week later and tell me my payment is late. They then threaten my credit and try to levy a late fee even though I am actually a month ahead in payments. I have been given multiple excuses for the reasons for this, and been repeatedly assured that it wont happen again. Then the cycle starts again. 
When I finally got tired of it, and wasn't given access to a manager, I requested information about filing a complaint with the Federal Reserve. They refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AK

Complaint narrative:
My mother passed on XX/XX/XXXX this year. She originally had her mortgage with XXXX XXXX XXXX. I had issues getting confirmed as successor in interest, and opened a CFPB complaint # XXXX. In XXXX 's response to the complaint I was XXXX  records indicate that on or around XX/XX/XXXX, Mr. XXXX was added as the Successor in Interest to the Loan originated by his mother, XXXX XXXX ( Ms. XXXX ). After this pocess, I started to work on assuming the loan and bring it current with XXXX XXXX during XX/XX/XXXX, I found out they had sold the loan to Carrington Mortgage Services LLC in XXXX. I received a welcome packet on XX/XX/XXXX requesting documents to prove I'm the successor in interest. Carrington is claiming they did not receive any paperwork from XXXX XXXX XXXX showing I was approved as the successor in interest. I don't believe it is on me to AGAIN prove I'm the Successor in interest on this account. After many calls to Carrington, they still won't provide the opportunity to assume my mother 's loan or bring it current with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB, On XX/XX/2021, I submitted a complaint to you regarding TransUnion see previous case # XXXX. Not only was this matter not taken seriously but quite frankly it was ignored. Please see the previous documents submitted in case # XXXX. Not only did TransUnion not follow the regulatory guidelines but also fail the action in providing {$1000.00} for each deletion due to their error on my credit report. In addition, I have filed with the XXXX mail service an identity theft report against Transunion for not having a prior written authorization as to the personal private information in my consumer report. The US Mail ID Theft case number is # XXXX. 

The violations are as followed : XXXX XXXX per deleted tradeline which were ( 3 ) in total. 
XXXX XXXX ( Direct Dispute ) and XXXX XXXX c ( 2 ) ( B ) ( C ) ( i ) ( ii ). Also 15 USC 1681n and 15 USC 1681o and finally 15 USC 1681q as it relates to Identity Theft. I hope to resolve this matter privately. I have already sent an a legal demand notice to Transunion LLC located in XXXX Delaware. The USPS tracking number for this document is XXXX XXXX XXXX XXXX XXXX and my return receipt USPS tracking number is XXXX XXXX XXXX XXXX XXXX XXXX. I hope to resolve this matter with TransUnion in the next 30 days before pursuing other options. Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To date this year since XX/XX/2021, Wells Fargo has deducted 75 overdraft fees from my checking account at {$35.00} each. The total is {$2600.00} this year. The bank also charged me over {$2000.00} in fees last year. I work in construction and take home less than {$50000.00} per year, so these fees cause me very real hardships. 

I turned off overdraft protection years ago so that charges would just get declined. However the bank still approves some recurring transactions even though I don't want them to. 

I should also note that I covered all of these overdrafts within a week at most. I work full time and have deposited a paycheck every Friday at Wells Fargo for the last 5 years. 

I've also gone into branches many times to request fee reversals. After reversing a few fees about a year ago, the bank has since refused to reverse any more. Last time I went into a branch, a banker read through my transactions and shamed me in front of other customers for incurring the fees. It was humiliating. 

I really don't trust Wells Fargo at this point. They send emails daily saying they're here to help during COVID, but then they charge me overdraft fees everyday. I feel totally manipulated and exploited. 

I just want them to stop charging me fees so I can finally cancel my account and switch to a new bank. It feels like an abusive relationship. I worry Wells Fargo wants to keep me in this hole, which is why I now feel the need to file a complaint. I'm just looking for a way out, and to prevent them from preying like this on other vulnerable people. 

Sincerely, -- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
EOSCCA Collection Company has continually send correspondence to my home address requesting payment for a debt that is claimed to be owed to XXXX. I am UNAWARE of this company and I DO NOT OWE XXXX any debt. In XXXX, I CLOSED out an account with XXXX by paying the FULL balance and returning all of its equipment and DO NOT OWE a debt to XXXX. I have contacted XXXX in regards to this matter and was told I needed to speak with EOSCCA Collection Company because they brought the debt and they NO longer have any information pertaining to this debt. This information is totally INCORRECT and I have made several attempts to resolve this issue with EOSCCA Collection Company who stated that there is nothing that they can do. I DO NOT OWE A DEBT to EOSCCA Collection Company OR XXXX. When I requested a copy of the account, I received an OLD XXXX XXXX dated XX/XX/XXXX from EOSCCA Collection Company showing the final payment of {$310.00} that I made to XXXX and then the payment was reversed. It also shows {$650.00} in Equipment that I RETURNED to XXXX and {$67.00} in fees and surcharges that I do not owe. The total amount was listed at {$1000.00}, which is INCORRECT. In addition, this company has placed a COLLECTION ACCOUNT on my credit file for listing the amount owed {$1100.00}. It also indicated that this account was OPEN on XX/XX/XXXX. I did NOT conduct any financial transaction with this company on or about XX/XX/XXXX. My account with XXXX was CLOSED in good standings 4 years ago with a {$0.00} balance. When I contacted XXXX, the company was NOT able to provide me with a final statement or any information stating that I owe any money. 

I have NEVER conducted any financial transaction with this company nor have I ever signed any legal obligation to pay this company any money. This company DO NOT have the legal right to collect any money from me. 

I DO NOT OWE A DEBT to EOSCCA Collection Company OR XXXX. 

I DO NOT have any other Collection Accounts on my credit report and this company is impacting my credit rating tremendously and damaging my credit along with trying to collect a debt that I DO NOT OWE. 

I AM REQUESTING THAT THIS DEBT BE REMOVED FROM MY CREDIT FILE AND NO ADDITIONAL ATTEMPTS TO COLLECT A DEBT THAT IS INCORRECT BE SENT TO ME REQUESTING MONEY THAT IS NOT OWED. 
I am respectfully requesting that you please review and take appropriate action. Thank you in advance for your attention to this matter. Ill await your

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Over the last few months I have disputed this account with your company ACIMA CREDIT XXXX XXXX with XXXX. Each time XXXX come back and tell me this debt has been verified. XXXX claims that your are verifying the debt in which I know this isn't true. If it is is true you are negligently and willfully violated the Fair Credit Reporting Act. 
ACIMA CREDIT XXXX XXXX is negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely if and you can not supply that and report accurate information to XXXX that they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act. Please also, give me information on when the last time XXXX sent over to you to do an investigation of the account that I am questioning as well as they may be liable for not investigationing my claims per XXXX Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: NY

Complaint narrative:
I, XX/XX/XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written authorization to any 3rd party affiliate CRA to share my information with the following firms ; please be advised that not giving consent is the same as committing identity theft : XXXX XXXX Card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
BBVA has not provided me with a closing statement with my available funding for the month of XXXX, and XXXX and they're claiming that I had {$15.00} in my account when in fact, my available balance should have been around {$3000.00}. There are multiple laws that they broke during this process and I'm suspecting fraudulent activity within BBVA bank 's system since they're not providing me with clear story of what happened, nor has given me closing statement balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a credit report alert that a dormant account was utilized. In reviewing the account, I recognized the amount charged. The amount was disputed in the prior year ( XX/XX/XXXX ) and the dispute was found in my favor and charges reversed. The merchant recharged the disputed amount on XX/XX/XXXX. I reported this to Brand Source Card and was transferred to various departments. It doe snot seem Brandsource has the appropriate controls ( as I did not receive an alert from them ) to detect that this was XXXX ) conducted on a dormant account and 2 ) the amount was disputed in the prior year. The third party ( XXXX XXXX ) is attempting to collect money that was already resolved under the Regulation Z process from XXXX to XX/XX/XXXX. I attempted to discuss with Brandsource, but kept getting transferred- the fraud department stated disputes handles the claim and the dispute department sends me back to fraud. This is clearly merchant fraud, trying to bypass Regulation Z error resolution requirements by re-charging the disputed amount, resolved in XXXX. I have attached reference to the dispute in XXXX along with my original complaint.

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 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On ThursdayXX/XX/XXXX I opened up a personal account with Citibank which is also the same bank I currently have a business account with I deposited a check for {$15000.00}. On Saturday I went in person to the branch to transfer money from the personal account to the business after transferring {$3500.00} to the business account my account was blocked and I have verified all of my information and still the bank will not allow me access to my money. I have reason to believe Im being discriminated against. Im requesting that you guys pull the customer service calls from Saturday and Monday where both agents were rude and extremely unhelpful. As of the time of this complaint I have been sitting at the Citibank branch where I opened up the account for over an hour and they cant even get a hold of the fraud department meanwhile I have to pay my rent and they are holding my money 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 non-monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I contacted Navy Federal Credit Union ( NFCU ) and spoke with a Mortgage Representative ( Ms. XXXX XXXX ( NMLS # XXXX ) and specifically asked, " Will NFCU accept/use an already approved Veteran 's Administration ( VA ) appraisal? '' and was told by Ms. XXXX that NFCU would ( Email from NFCU ( Ms. XXXX ) attached ). Although Ms. XXXX was not my loan processor, she was extremely helpful in providing answers to my questions. My Loan Processor, Ms. XXXX XXXX ( NMLS # XXXX ) sent me XXXX package ( Tracking # : XXXX XXXX XXXX ) to complete my refinance application and I returned it via XXXX as well. Afterwards, I ended up speaking with Ms. XXXX XXXX ( Supervisor, NFCU Mortgage Department ) ON XX/XX/2021, in great detail regarding my loan and Ms. XXXX asked if I wanted to have my loan transferred to another processor. My response was if it would take more time to process my loan, then I would stick with Ms. XXXX. After a week, Ms. XXXX left a voice message on XX/XX/2021, stating my VA appraisal will be transferred and that it will save processing time since it was already approved and its a VA loan. To my dismay, my loan was transferred on XX/XX/2021 to a new processor, Ms. XXXX XXXX ( NMLS # XXXX ) and was ultimately disapproved in XX/XX/2021 as a result of NFCU claiming it was due to my new credit score that was XXXX. I provided NFCU all the requested information only to be deliberately misled and ultimately disapproved and my credit along with my wife 's has been affected as a result of NFCU 's inability to process my refinance application in a timely manner...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I placed an order for XXXX on Coinbase XXXX. The amount was for XXXX. There was a glitch that caused my money to be placed on " Hold '' within their system on an " order ''. Money is typically reserved on hold so you can't inadvertenly trade more than you have. The only problem is this money was placed on hold and I had no active limit order which I could see. This means I couldn't cancel it. I couldn't see if it executed. I couldn't see if it's stuck. Now, the problem on top of this is that the money is still on hold within their system and I can't access it. There was an outage previous to my order placement in which a number of people have reported a lot of different issues including the one i have now. I opened a ticket that night and another the next morning as you don't get a ticket number until they first process your ticket. 

The two tickets are : XXXX and XXXX XXXX was first replied to on Saturday XXXX XXXX at XXXX XXXX EST Looks like an automated message I replied a few minutes later at XXXX XXXX. XX/XX/XXXX Next response was today XX/XX/2021 at XXXX XXXX. EST. Letting me know I could file a complaint, but they considered the matter resolved. 

I've had a running Direct Message on XXXX with their Coinbase Support team and they keep redirecting me to the Customer Care team who quite frankly does not care. 

I've filled a formal complaint with them via case XXXX and with case XXXX there hasn't been another response to it since i opened it. 

My formal complaint number is Complaint # XXXX. 

In order to see that the issue is impacting my account all you have to do is go to my portfolio page and see orders on hold and see that there is XXXX on hold. Next go to the orders tab and see that there is no orders active. Essentially they have XXXX on an orphaned/ghost order that their system lost. It's traded through my limit buy price atleast twice. At this point in time I'm considering sueing them in small claims to get my money back as they do not seem to care about people investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation