vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/XXXX M y brother XXXX XXXX opened an account with the previous Bank Washington Mutual, which later became Chase. He opened the account when he was attending XXXX  University. He provided my mother with Power of attorney several years ago if he needed to close the account or make other changes. 

A Chase Bank officer told us at that time that it was fine to leave a power of attorney. I downloaded the form, and we filled it in. We went to the Bank and were told the form was fine. My brother XXXX XXXX XXXX wants to close the account., somehow now Chase Bank is not accepting the Power of attorney. 

Due to Coronavirus restrictions, my brother could obtain any legal document in XXXX to send here to close the account. People are dying every day, and my brother has an XXXXXXXX XXXX. He needs the money to live for six months. 

On XX/XX/XXXX, the Chase Bank rejected the Power of attorney because of the wording. I got the official Power of attorney form provided by Chase. One of the officers helped us to fill in the form. I scanned the form and to my brother. It took my brother several weeks to notarize the document due to COV 19. He scanned the document and sent it to my email. I took the document to Chase. They rejected the document provided by the bank again. The lady told my brother has to take the document to the USA Embassy in XXXX. This request is ridiculous. My brother used Chase 's form, it was notarized by XXXX standards, and It was rejected. 

They do not want to allow my mother to close the bank account on behalf of my brother. 

My brother can empty the account of Chase will start charging him {$15.00} each month for not keeping a minimum My brother lives in XXXX, XXXX where the COV 19 is causing many deaths. He does not live his apartment. He needs to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworlds Systems INC collecting agency has sent a collection notice dated XX/XX/XXXX with the amount of {$300.00} referring to debts to XXXX XXXX XXXX XXXX as the creditor. 

While I dont have any business account with XXXX and whenever I go to local store at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX to send or return a package I pay immediately the bill. Last time was XX/XX/XXXX with the amount of {$15.00}. 

So neither I owe any debts ( cause I pay my creator card charges in full every month ) nor got any prior communication regarding this debt claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Best Buy Citi Bank has decrease my credit card limit without an adverse notice. 

There are two main federal laws governing adverse actions in the world of credit : the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

To put it simply, the FCRA covers consumer transactions. It requires lenders to give you a notice if negative credit information was the basis of the adverse action. 

The ECOA covers both consumers and businesses. It requires lenders to describe the specific reasons why the adverse action was taken. 

Heres how it breaks down : The FCRA requires lenders to say that negative information was the cause of any adverse action. 

The ECOA requires lenders to provide specific reasons why adverse action was taken against you in that notice. 
The FCRA covers applications for credit, like credit cards, along with other types of applications like employment and government license. 

The ECOA covers applications for credit as well, along with requests for credit limit increases on existing accounts. If you want to dig into the details of these laws, you can read more at Consumer Compliance Outlook.

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 2021-03-02 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, ALLY FINANCIAL Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-03-02 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: Certified Credit Reporting, Inc.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, CERTIFIED CREDIT REPOR Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This account is showing that I owe money which is not true this car was under the Lemon Law Act in XXXX XXXX Florida which was where the dealership that I purchased it from received the car well the car was taken back to correct some factory mishaps and recalls from mini that the eventually deemed the car to be unsafe to drive Because of flooding previously in Florida that caused damage to the car. XXXX XXXX has this car in its Possession since XXXX. I was in contact with Wells Fargo they knew what happened and apologized they have sent me Reimbursement for payment made.

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 2021-03-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX, XXXX my bill did not go through BANK OF AMERICA ( Opened XXXX XXXX, XXXX ) - account with 1 missed payment. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2021, I made payments of {$300.00} and {$25.00}, and on XX/XX/2021, a payment of {$10.00} to XXXX XXXX XXXX. These payments have not been reported to XXXX and XXXX. I spoke with a representative named, XXXX and he told me that XXXX has not updated the credit balance of my loan with nor have they reported the correct balance of my visa account. This has hurt my credit score immensely and when I spoke with XXXX, the agent did not appear to care or have any good knowledge. I told him that the bad reporting is hurting my chances of getting employment and he did not care. I think it is wrong that they fail to report the correct information and it affects my score tremendously and means of gaining employment.

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2021, I made payments of {$300.00} and {$25.00}, and on XX/XX/2021, a payment of {$10.00} to XXXX XXXX XXXX. These payments have not been reported to Experian and XXXX. I spoke with a representative named, XXXX and he told me that XXXX has not updated the credit balance of my loan with nor have they reported the correct balance of my visa account. This has hurt my credit score immensely and when I spoke with XXXX, the agent did not appear to care or have any good knowledge. I told him that the bad reporting is hurting my chances of getting employment and he did not care. I think it is wrong that they fail to report the correct information and it affects my score tremendously and means of gaining employment.

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 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I believe that the bank is purposefully withholding funds from our deceased parents checking and savings from being rightfully distributed to one of the three beneficiaries. As the estate representative I am unable to close these accounts and place them into the estate account. If this would be possible I as the estate representative would be able to write a check from the estate account and pay my sister the third beneficiary her! /3.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a Credit Card account with Capital One to repair my credit after bankruptcy. I set up payments with my new XXXX XXXX XXXX checking account. I did prior have both a Capital One credit card and an old XXXX checking account that has been closed for over 4 years. I started to make payments and first one went through and then the second was rejected and didn't understand why since funds were available. When I saw that it was going to go past 30 days past due XXXX sent another payment since I did not want my account to go late. That payment was also rejected and then thought I may have had a typo on account and went in and tried to fix but wasn't able to see account information so I tried to input account correctly but was unable to since it said that account was already available. This is the ONLY account I could see. I called Capital One on 3 different occasions and was told about the old account is what I was trying to pay from and informed them that was impossible since that account does not appear in the app I used to pay. After talking to 3 Managers and all telling me they would look into, my last call with Manager I was told they all should've told me there was NO recourse since new account and nothing they could do. They closed my account and reported me 20 days late that hurt my reestablished Credit. Told me to get lost and nothing I can do. This is WRONG and I am harmed for their technical issues, not mine. This hurts me with credit and so surprised no one treated me like a human with legit concerns on failure not mine. My account is closed and harmed my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CT

Complaint narrative:
I have been struggling to keep up with my payments and had elected for bi-weekly payments to reduce the life of my loan and interest paid over time. After 3 years the principle has not moved much and I just investigated as to why. On XX/XX/21, XXXX ( employee id XXXX ) As it was just explained to me by a mortgage representative ; In a very sneaky and unethical manner, XXXX set up bi-weekly payments to " help '' customers, but does not apply the 1st payment until the second payment is received. I asked why they would even do this, to which I received a reply stating that " its our company policy ''. So they set customers up for bi-weekly payments, but don't apply the payments, thus rendering the entire exercise null and void. It is very deceptive, dis-honest and unethical. It seems that it should be illegal. Upon asking for a supervisor I was placed on hold and then told that I was not permitted to speak to one. Additionally as I asked for company information, ie, management names, she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Loan Depot regarding my PMI and escrow account as I wanted to cancel them. Market values have increased so I wanted to discuss my options. 

Spoke with XXXX XXXX a customer service team lead from Loan Depot. She assured me she would escalate the request. 

On XX/XX/XXXX I follow up, I speak with XXXX XXXX, a customer service representative from Loan Depot. He once again assured me and says that XXXX didnt know how to handle my request. 

After several other calls to Loan Depot and XXXX ( there servicing company ) several representatives tell me that the PMI does not have a phone number or an email. There is no way to contact them to discuss my options as a consumer. 
Today, XX/XX/XXXX, I receive an email regarding the options regarding PMI cancellation. I contact XXXX and speak with representative XXXX Id XXXX. He proceeds to tell me that my loan doesnt qualify based on the notes, but tells me the PMI department doesnt take calls. 

I then ask for a supervisor, he refuses to transfer me. He refused to tell me what city his office is located in. 

This lack of transparency is concerning as a consumer. I am asking for help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was ready to close on a mortgage for a property we were purchasing. The date of the closing was XX/XX/2020. I was ready to close, had my down payment ready, etc. then just less than a week before closing we were told a hole new story. The property was zoned residential, but the building could not be lived in because it didnt meet egress codes. I see no reason why we couldnt have closed on the property, got their mortgage ; and then deal with the other issues after the holidays and the winter weather, etc. 
In the meantime we have spent several thousand dollars are inspections, architects, more applications, etc. then this week they said the would not finance us at all because they dont deal in such high risk projects. 
They, started this whole process, only to back out now! This isnt fair to us after jumping through all their hoops for 6 months, nor is it fair to our sellers. By the way, they should not have had to wait so long. Theres no reason we couldnt have closed XX/XX/XXXX, and waited till nicer weather to deal with the construction issues! 
Sincerely, thank-you for your help with our issues.

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 2021-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Left voice mail saying I had suit against my social security number when I called number back did not identify who they were just I was being prosecuted for a debit on vehicle from XXXX which I settled in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
During this Global COVID-19 Pandemic Regulations states that there should be NO LATE PAYMENTS reporting during Foreberarnce Program. I have multiple Late payments showing on my report that should me removed immediately due to COVID-19. This is Clearly a Violation!!! Delete these late payments from my credit report immediately! If not deleted I will be reaching out to the CFPB and Seeking litigation because once again this is a violation. Remove late payments now please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Amex has decrease my credit card limit from XXXX to XXXX without an adverse notice regarding the promotion. 

There are two main federal laws governing adverse actions in the world of credit : the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

To put it simply, the FCRA covers consumer transactions. It requires lenders to give you a notice if negative credit information was the basis of the adverse action. 

The XXXX covers both consumers and businesses. It requires lenders to describe the specific reasons why the adverse action was taken. 

Heres how it breaks down : The FCRA requires lenders to say that negative information was the cause of any adverse action. 

The XXXX requires lenders to provide specific reasons why adverse action was taken against you in that notice. 
The FCRA covers applications for credit, like credit cards, along with other types of applications like employment and government license. 

The XXXX covers applications for credit as well, along with requests for credit limit increases on existing accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a credit card at BANK of AMERICA, number XXXX. 
In XX/XX/2020, COVID situation, Bank Of America informed to credit reports that i was delinquent. 
We are in pandemic and at this time was not been informed this lates. I lated but i paid! 
However, this information is at my CREDIT REPORT and my score in going down for that. 
I called to Bank of America and they want to open a disput. I don ; t want to disput, i just want to be excluded because we wwere at COVID situation and the ammount of XXXX $ was informed like delinquent. 

They don't want to exclude that, even i informed that all the banks were not reporting by Covid situation.

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 2021-03-02 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
We qualified for covid mortgage payment relief and were advised that our credit would not be negatively affected during this period. Checking my recent credit report shows otherwise - during the months of covid relief- Shell Point reported missed payments - causing a drop in my credit score from XXXX to XXXX. 

Called the company directly to address- never heard back. 

LOAN NUMBER : XXXX Account has since been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: MA

Complaint narrative:
I attempted to purchase a car through Carvana. I have been working on trying to obtain a car with them since XX/XX/XXXX. Every time I attempt to comply with their policy and procedure to obtain financing for a car, I am told different information each time. The lastest issue came about when I signed a contract to purchase a XXXX XXXX XXXX VIN number : XXXX. For starters, my credit was hard pulled twice within a 5 day time frame without explanation. I was advised that my down payment for the car would be {$400.00}. When it came time for Carvana to delivery the car to me, they rescheduled me twice. Delaying the delivery by one week stating they are waiting on a car title. If they did not have the car title, they should not have sold me the car. I decide after the 3rd delivery reschedule to cancel the order on that car and obtain another. I went back to the same platform to search for the same type of car, found one that I wanted, and started a new order. My credit was hard pulled again. Now making this 3 times within a month. My financing terms have significantly changed. I been advised that my down payment is now {$1800.00}. I have called Carvana for clarity now twice and no one is certain as to why my terms have changed within a 2 week time frame. I need specific answers

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation