vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Hi there, My wife and I both enrolled a 1 % deposit bonus program in XX/XX/2018 at Ally bank. This offer was giving each customer 1 % bonus of total deposit amounts. After contact with Ally bank, I was told we both can not receive the deposit bonus because we have withdrawn some funds from our previous joint account. However, I don't accept their explanation so I would like to submit this complaint. 

My wife and I used to have a joint XXXX High Yield Certificate of Deposit ( CD ) ending in XXXX and we closed it and withdraw {$100000.00} from this account. After closing this account ending in XXXX, we opened two different Certificate of Deposit ( CD ) individually. I opened a No Penalty 11 Month CD account ending in XXXX and deposited {$100000.00}. My wife opened a 12 month CD ending with XXXX and deposited {$85000.00}. 

Ally explained to me that because I deposit {$100000.00} and withdraw {$100000.00} from the joint account XXXX, I didn't qualify for the promotion. For my wife, she deposited {$85000.00} and withdraw {$100000.00} from the joint account XXXX, she didn't qualify for the promotion either. Obviously, Ally bank mistakenly counted the closed joint account XXXX twice, make my wife and I both missed this promotion.My understand is if {$100000.00} of closing account was counted on my account, it would not be counted again on my wife 's account. So at least the {$85000.00} of my wife 's deposit should be counted as new external funds and she is supposed to receive a {$850.00} deposit bonus. 

I submit this complaint to ask Ally bank help us to fix this issue? 

Thanks 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 monetary relief
Consumer complaint received 2019-02-28 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: PA

Complaint narrative:
XXXX, XXXX  and experian are incorrectly reporting an account that is not mine, I have reached out the past 3 months to the bureaus with no response as of yet. I am currently in the process of filing a law suit with ( XXXX  XXXX  XXXX  XXXX located in XXXX Pennsylvania against the bureaus for negligence.My lawsuit includes will include the following names : Experian- XXXX XXXX XXXX Operation supervisor XXXX XXXX Vice President and associate General Counsel XXXX XXXX Senior vice president enterprise fraud ID theft XXXX XXXX Vice president and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief Legal officer XXXX-XXXX  XXXX Executive Vice president XXXX XXXX Director fraud and identity management All the following will be named in lawsuit if the following are not removed, This situation has ruined my credit worthiness and prevented me from getting a home. The house my family and I was under contract to buy was sold due to the fact that we could not get this account removed from my credit report.in time before closing. I am extremely upset and will stop at nothing to get this account removed immediately.. If this account is not removed immediately i will continue with my law suit as followed.. The bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Keep in mind that i have already opted out of arbitration. So my grounds to sue are valid. please assist me in removing this account immediately XXXX/XXXX  XXXX $ XX/XX/XXXX closed account this account is reporting on all 3 bureaus also address that I dont recognize XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Inquires that were unauthorized XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
I XXXX XXXX hereby submits a complaint against one of the largest national banks in America, XXXX , XXXX . I am just a middle class single mother of XXXX, trying to make a living. There have been times in my life when I struggled financially. Over ten years ago, I defaulted on a XXXX account, and over the years the collection aspects were negated and the credit charge off was even removed from my credit reports, as the 7-year timeline to maintain it had elapsed. Now XXXX has lowered itself to submit back-end debt service to debt buyers, even after debts are proved to be non-collectible. The credit trade line was officially charged off so long ago that XXXX deleted the account off of my credit reports. So now XXXX , XXXX . is selling off charged-off debts. This is a popular move since the XXXX XXXX XXXX XXXX XXXX XXXX decision in the U.S. Supreme Court of XXXX ( Decision Attached ). However, XXXX XXXX. is participation in a Ponzi- Scheme approach to not only obtain the taxable write-offs on defaulted debts, but to also double-dip into potentially draining what little capital could remain from a common American citizen. Here is how the scam works : XXXX XXXX. ASSIGNS DEFAUTED DEBT TO XXXX XXXX XXXX , XXXX XX/XX/XXXX BILL OF SALE AND ASSIGNMENT BY ELECTRONIC SIGNATURE XXXX XXXX XXXX , XXXX TRANSFERS OWNERSHIP THE VERY SAME DAY BY XXXX XXXX, XXXX. TO XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX ASSIGNS DEBT TO XXXX  XXXX   XXXX XXXX, XXXX ON XX/XX/XXXX BY XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX, XXXX ASSIGNS DEBT TO XXXX XXXX, XXXX XX/XX/XXXX BY XXXX XXXX, INVENTORY MANAGER XXXX XXXX. should look into federal case decisions U.S. v. XXXX XXXX XXXX before it ever gets involved in selling off debts to what appears to be a Ponzi-Scheme on receivables, debts that can no longer be enforced, and selling to companies without proof of proper bonding and licensing to enforce defaulted debts in the state of California. This action is criminal in nature. The continuous transfers are a form of the title cleansing practices of real estate scammers, a practice quashed by actions with the U.S. Department of Justice. XXXX is proving that they will step to as low as a level as a national bank can go. Their actions are complicit within a criminal process to destroy average American consumers, and the Consumer Financial Protection Bureau, along with the Federal Trade Commission, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the banking department of the state of California, in addition to the Office of Attorney General, state of California will be involved in this complaint. Action must be taken to cease these types of activities by XXXX , XXXX . and the affiliated companies stating that they have obtained uncollectible debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
Received a call from phone number ( XXXX ) XXXX at XXXX XXXX  on XX/XX/2019. The caller had a heavy accent but claimed his name was " XXXX XXXX, '' and admitted he was calling from XXXX ; the phone number is from XXXX, Mississippi. He claimed I owed a debt of about XXXX dollars to XXXX XXXX XXXX for landline services. I had had my landline disconnected three months ago, and have a hard copy receipt showing I do not have a balance. When I told the caller I don't owe a dime and would not pay, he made a vague threat to " take appropriate action. '' I do not know what was going on, but the caller had my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recieved an email on XX/XX/2019 claiming that my account was overdrawn which is was not the balance was {$2.00} i know thats not alot of money but when your on SSD and check is about to be deposited funds are low. anyway I called the number on my screen that it gave me when I tried to access my account. The woman on the phone was rude and refused to tell me why all she kept saying was for privacy reasons we can not discuss why your account is restricted which means I have no access to my money. as for my social security check they are refusing me access to it for at least two business days which makes it tuesday XX/XX/XXXX! i dont understand why if they are gon na be closing my account why they are denying me access to my money!!!! I live off of my ssd check I pay my rent and oother bills with it there has to be laws or rules against it so now due to chase bank doing this I have gone into severe XXXX with XXXX  XXXX because due to chase holding my money for no reason I may not have a car nor place to stay!!!!!! Its my money not theres!!!! The women at the loss prevention for chase are rude and extremely disrespectful to there customers~~!!! I DO NOT OWE CHASE ANY FEES NOTHING MY ACCOUNT WAS NOT NEGATIVE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
Told them to stop calling or i would report them but they still are calling

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 2019-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XX/XX/ 2019, {$470.00} was sent to XXXX XXXX with the email address of XXXX via the XXXX App hosted by USAA bank. I purchased a dachshund puppy from a person who told me his name was XXXX XXXX from phone number XXXX. 

On XXXX XX/XX/ 2019, the alleged shipper with an email of XXXX called me from XXXX ( XXXX, NJ ) at XXXX XXXX  telling me that the puppy required a specific crate and demanded I send them {$600.00} ( only through XXXX ) or else the puppy would die. 

I told them immediately that no legit company would ONLY allow payments through XXXX and that this is a scam. They continued to attempt to persuade me but I said no way you people are awful and ended the phone call. The individual who promised me a puppy that I paid for has continued to harass me regarding paying for this fraudulent shipment of a nonexistant puppy which I found out this scam is common, unfortunately, and there is a website devoted to warning people, but unfortunately I learned that too late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2018 I made a visit to XXXX XXXX in XXXX XXXX, XXXX county. I sat in front of customer service person XXXX. I told XXXX to follow -up on a payment of {$500.00} I paid to XXXX  credit card. 

XXXX said that she will re-submit the {$500.00} payment through my connected account in XXXX XXXX. XXXX had my XXXX XXXX account opened in front of her on her computer. XXXX called the XXXX Credit card to make again the {$500.00} payment. XXXX XXXX failed to make this payment as they promised me and reported me as a delimquent person to Equifax XXXX  and XXXX. XXXX Credit card also took a payment from me around XX/XX/2018 for {$3000.00} XXXX Credit card failed to put my XXXX XXXX  acoount numbers correctly in their computer. I asked XXXX XXXX  to make a one time payment only to my credit card. XXXX XXXX XXXX never heard about this transaction. XXXX claims that XXXX reversed the payment. XXXX credit card has defrauded me. They have reported me to the credit companies fraudulently making me look delinquent. 
XXXX credit card is to delete these false rating 's against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: NY

Complaint narrative:
On XX/XX/2018 I made a visit to XXXX XXXX in XXXX XXXX, XXXX county. I sat in front of customer service person XXXX. I told XXXX to follow -up on a payment of {$500.00} I paid to XXXX credit card. 

XXXX said that she will re-submit the {$500.00} payment through my connected account in XXXX XXXX. XXXX had my XXXX XXXX  account opened in front of her on her computer. XXXX called the XXXX Credit card to make again the {$500.00} payment. XXXX XXXX failed to make this payment as they promised me and reported me as a delimquent person to XXXX XXXX and Experian. XXXX Credit card also took a payment from me around XX/XX/2018 for {$3000.00} XXXX Credit card failed to put my XXXX XXXX  acoount numbers correctly in their computer. I asked XXXX XXXX to make a one time payment only to my credit card. XXXX XXXX XXXX never heard about this transaction. XXXX  claims that XXXX reversed the payment. XXXX credit card has defrauded me. They have reported me to the credit companies fraudulently making me look delinquent. 
XXXX credit card is to delete these false rating 's against 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 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX changes my address without my consent. They said that they got a change of address from our post office, but I did not move and I NEVER CHANGED MY ADDRESS. I have called several times, they will not change it back because they say my passwords are wrong. So I set up auto payments to get this paid and I over paid, they will not give me my money back. They are rude and will not help 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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I was desperate to have a fraudulent collection removed from the credit reports. XXXX XXXX was recommended to me a XXXX representative. I signed up at the lowest level that just included sending the necessary letters and documents to remove the collection. The beginning was rocky when I was billed {$120.00} rather than the {$59.00} they advertised. They reduced my membership, but never adjusted for the first month 's charges. Prior to hiring them I had a medical bill removed on my own. Of course XXXX XXXX considers that a success of their program. Ultimately, after 6 months they produced no results other than income to them. When I questioned that lack of production they just cancelled me and tried to collect for days after service cancelled. Another example of a company claiming to helping people when they only help themselves to our money. In the end they turned ugly and tried to intimidate me to continue services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
i would like to join the complaint against Navient. I have been paying one of their plans and the amount of my loan has not decreased. they are now calling me offering payment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
IwasnotifiedviaemailalertofdisputeresultsaftercontactingXXXXXXXXtodisputeanunauthorizedinquiry.Afewdayslater,ExperiansentmeDisputeResultsindicatingXXXXXXXXXXXXisUPDATED.andtwoseparateentriesonpages3-4arereinsertedafterXXXXwasDELETEDonXX/XX/XXXX(Report#XXXX).ThisentryappearsasifitistwoindependentaccountsbecausethebalanceinformationindicatesXXXXwithadatepaymentreceivedonXXXX(pg3),andXXXXwithadatepaymentreceivedXXXX(pg4).Documentsattached.

IwroteEXPERIANonXX/XX/XXXXinformingtheCRAthatIreceivednonoticethisitemwasre-insertedanddisputethevalidityofinformationandalsoindicatedIamnotprivytoanydisputeinvolvingthisitemthatwaspreviouslydeleted.Supportingdocumentationwasprovided,includingacopyofaswornaffidavitofdenial.

PriorcommunicationswithXXXXindicatethereisnobindingcontractandIwasdeniedanopportunitytoinspectanyinstrumentthatcanproveindebtness.XXXXalsorefusedtoacceptpaymentinfullinexchangethePAPER(note)thatholdsmeaccountablefortheallegeddebt.

AnyreferencetoXXXXXXXXXXXXshouldnotappearonmypersonalcreditreportbecauseitwaspreviouslyDELETEDbecausethedatacannotbeverifiedasoutlinedintheFairCreditReportingAct(FCRA)andassuchviolatesmyrightsasaconsumer.ThereisalsoquestionablebehaviorsthatmayalsoviolatemyrightsunderFDCPAforunfairreportingbecausecounselforXXXXintentionallydeceivedmeviatelephoneandanelementofharassmentand/orintimidationoccurredbeforetheircourtactionwaswithdrawnforalackofevidenceandnotserviceastherecordsindicate.

EXPERIANrefusedtoremovetheitemsindisputeandrejectedmyrequesttoblockthisitemfromcreditreporting.TheitemwaspreviouslydeletedandIreceivednonoticeofre-insertionasoutlinedinFCRAsection611andIdemanditbepermanentlydeletedandblockedfromreappearingonmycreditreport.XXXXandXXXXarenotreportingthisitem,onlyEXPERIAN,indicatingitsaninternalproblemwiththiscreditreportingagency.

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 2019-02-28 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: TX

Complaint narrative:
I have uploaded the document from Experian as it does not pertain to me as they are looking for information from the decedent, the all cap name listed on the debtor document. I do not have any credit reports and did not consent to any, if they are reports they are total fraud and proof of that is the second document uploaded showing me, the true creditor before anything is contracted. Everything is commerce the all cap name that Experian is looking for is XXXX XXXX also called American Sign Language, " GLOSSA, '' is the ALL CAPS language used by various courts and governments to steal the identity of any sovereign man. Find XXXX XXXX explained in the Article : 11:147 XXXX Manual of  Styles : Sixteenth Edition : Foreign Languages. You find this counterfeit immoral language of Symbols on a driver 's license, court documents, passports, etc. You can look at XXXX XXXX dictionary 4th edition. 

The XXXX-XXXX text is found on the tombstones of a grave. XXXX XXXX is the engraved image on the tomb, the written text of the dead. It is debased XXXX, appearing as a written sign language without the hyphens. Written Sign, subject to the grammatical rules of XXXX, appears in ALL UPPERCASE TEXT LIKE THIS. 

There are three languages, one for the debtor, one for the creditor and one for the administrator .... Even though I used to assume that I can read all three, they are totally three separate languages and have no jurisdiction with each other unless I " consent ' ... but my past consent comes with ignorance of the difference between such three languages and assume them to be one language, it's all a big fat lie. 

Experian keeps pushing the fact that if I would like my personal credit report that I would need to call and request it from them. How can I call when I do not have any credit reports when the legal name shown on the document is a corporation that is used by the government.

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 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Hi, I applied an American Express ( AMEX ) Gold charge card on XX/XX/2018 and was told that I am eligible for the welcome offer, which includes : - {$100.00} Annual Statement Credit with your Corporate Card Membership - XXXX Membership Rewards Points after charge {$2000.00} of eligible purchases on The American Express Gold Card within the first three months.

( Please see the attached full offer terms ) After this card got approved and I met the spending requirement, I double checked with AMEX and got the confirmation that my welcome offer would be posted to my account after a while.

However, I was told by AMEX that my welcome offer got declined. When I asked them for the specific reason, they just started to make excuse like : " You had an AMEX credit card closed BEFORE applying this AMEX Gold card. '' - I never closed any of my AMEX card before, they later changed their words when I pointed this out.

I tried to contact AMEX multiple times earlier regarding this issue and I attached the recording from one of the phone call I made to them, which confirmed I DO have this welcome offer. Please check the attached recording file for this.

Please feel free to contact me if I you need any other information on this. Thanks.

Company response to consumer: Closed with monetary relief