vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
MY SON XXXX YEARS OLD AND IS XXXX AND HE HAS BEEN SAVING HIS GIFT CARDS TO PURCHASE A NEW VIDEO GAME SYSTEM.. 

THE GIFT CARDS IN TOTAL COME TO {$320.00} THEY WERE ALL FROM T.D. BANK MY SON WAS VERY VERY UPSET AND FEELS LIKE HE NEVER GOT GIFTS ON HIS BIRTHDAY, XXXX ETC. 

I CALLED T.D. BANK TO SEE HOW MUCH HE HAS AS A BALANCE ON THE CARDS AND WAS TOLD THEY HAVE BEEN CLOSED DO TO INACTIVITY ... 

HE FEELS HORRIBLE THAT THE BANK NEVER TOLD OR DID HE LOOK AT THE PRINTING SO SMALL YOU NEED A MICROSCOPE TO READ THEY CHARGE A " MAINTENANCE '' FEE STARTING AFTER 12 MONTHS OF ACTIVITY ( {$2.00} ) ... THEY SAID THAT IS THEIR POLICY ... I AM TRYING TO FATHOM THE THOUGHT OF A FINANCIAL INSTITUTION CHARGING A MONTHLY FEE FOR " MAINTENANCE '' WHEN ALL THE CARDS WERE PAID FOR IN CASH.. 

I HAVE BEEN OUT OF WORK SINCE XX/XX/2020 FROM COVID-19 AND I DON'T HAVE THE MONEY TO PAY FOR HIS VIDEO GAMING SYSTEM

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
On XX/XX/2020 I started the process of refinancing my VA loan through the IRRRL program. Multiple times the title company has cancelled the closing alleging that the lender doesnt and hasnt provided any documentation to them. Multiple times the closing has been cancelled. Because of the current interest rate lock of 2.25 % Im in theyre delaying the process multiple times and canceling closing multiple times as to avoid refinancing under the program which is backed by the Department of Veterans affairs.

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 2021-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Called the servicer to inquire about why PMI had not dropped off the loan, was told I meet all three checkmarks for the requirement but received two notices stating not eligible.

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 2021-02-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
The card you send me is incorrect I didn't Unemployment benefits So I don't need it close Day account because I didn't apply for So I think this a fraud By somebody else Usin my name and so security account Oldest is a fraud on my name

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 2021-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Reach Financial LLC
State: AR

Complaint narrative:
In XXXX of XXXX, I signed up with XXXX XXXX XXXX I was making a payment of XXXX to consoldate my debt. As time passed, I was getting lawsuits against several of the companies that I had debt with even though I was paying more than what I had agreed to pay. In XX/XX/XXXX, I was asked about a consolidation loan by XXXX XXXX XXXX. I was transfered to what I though was a third party company XXXX XXXX. The sales person explained to me that it would take me longer to pay off my debt than the 4 years that I had agreed so it would be better to accept a consolidation loan. I agreed to the loan because I could no longer afford to pay more to XXXX XXXX XXXX. I was paying about a XXXX a month which was doubled. I was afraid to go to court as well. Liberty Lending began taking payments in XXXX of XXXX. In the meantime, I learned that they were afflicted with XXXX XXXX XXXX becuaser they had the same address in XXXX XXXX. I learned this through emails that I received from both companies. I was never told of this when agreeing to take the loans. I had paid XXXX XXXX XXXX a lot in fees and was given a loan that had a hughe interest rate. I don't feel that this should be legal. I stopped paying in XXXX of XXXX. I thnow that there are others who are having the same issue. I just want this practice to siop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
At XX/XX/XXXX, I applied the Marriott XXXX XXXX credit card with the promotional offer of 'XXXX Bonus points after you spend {$3000.00} on purchases in your first 3 months from your account opening a with your Marriott XXXX XXXX credit card. ' I fulfilled the requirement and never received the bonus. 
I called Chase Bank to resolve not receiving the bonus around XX/XX/XXXX. They claimed my application did not come with such offer. Therefore, I would not receive the XXXX bonus point.

I would consider this was a lie for the following reason : 1. Chase Bank website is showing such offer and I applied through that website. 
2. I once called Chase around XX/XX/XXXX. I ask if I could have a match to the offer during that time which was XXXX Bonus point. During the conversation, the representative clearly mentioned my current offer was XXXX Bonus points and he would applied for a match to XXXX  Bonus point. 
It is extremely disappointing for Chase, such established bank, not honoring the promotional offers and it is even disgusting to tell lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a playset from Lowes.com. I was told when I called their customer service line that I could arrange the playset to be put together by our Local Lowe 's store. This turned out not to be true, no local store had anyone who could put playsets together. 
I called Lowe 's credit card service on XX/XX/XXXX and told them I wanted to cancel the order due to no one being able to put it together. I was told it would be cancelled but to call XXXX as well as it may already be on the way. I did call XXXX and was told the item would not be delivered.

The charge has remained on my Lowe 's card since XXXX, I have made several calls, talked to multiple customer service representatives, the charge has been in their " investigation '' section since XXXX. I have been told multiple times the charge would be removed " in 30 to 60 days '' Yet as of today, XX/XX/XXXX, it remains on my Lowe 's charge card, the supervisor I called today XXXX, again told me to give it another 30 to 60 days to resolve. 
I do not believe Lowe 's has any intention on investigating this charge or refunding me for a product I never received.

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 2021-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: NE

Complaint narrative:
returned some of the equipment in XX/XX/XXXX to XXXX and the rest in XX/XX/XXXX also to XXXX, account not showing all returns bal should be {$540.00} instead of XXXX. I have called and visited the store on multiple occasions to resolve the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
So in XX/XX/XXXX my car was total in a hit and run accident. After notifying my insurance company, they notified my lender Santander Consumer USA. In which the total loss payout process started. XXXX paid over {$9000.00} and then gap was suppose to cover the difference. Fast Forward to XXXX XXXX Gap finally send out the payment to lender. At this point we have been getting called about missed payment and how where 60day past due on a car that was total. Before the accident my wife and I never missed a payment even paid early even after covid shut us down and I lost my job. I reach out to my lender to learn what going with our account, I found out that there was a remaining balance and I paid it even without having a job. I was told that they would back date everything but the only thing they backdate was the gap payment and still reported the late payment even after I paid. I called the lender first to try to resolve the issue being that we had amazing payment history with them and they told me it nothing they can do even in a state of emergency with Covid and thing being truly out of my hand but I made it my business to fulfill my end of my agreement with my lender by seeing the loan to completion. I have called my lender over 40 time from XX/XX/XXXX to XX/XX/XXXX and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/2020 a hard report was made to my account from Florida. I was living and working in Michigan at the time. My ex boyfriend, who is under investigation for other more sever crimes by the FBI, had stolen my Social Security card and my ID card before I ended up having to literally run away from him in Flordia just to remain alive.

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 2021-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: PA

Complaint narrative:
Global Lending Solutions is showing five late payments on my report when they told me that due to the pandemic, they would not be reporting any late payments as long as I paid within 60 days. I am current in my loan. Their statements were misleading and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I recently checked my consumer reports to find that these two collection accounts remain on my consumer reports. I am not liable to this alleged debt with Portfolio Recovery Associates, LLC. This company has two collection accounts showing on my consumer reports. Account number XXXX in the amount of {$460.00} and account number, XXXX in the amount of {$430.00}. I am not liable to this alleged debt with Portfolio Recovery Associates, LLC. I never entered into a contract or credit transaction with Portfolio Recovery Associates, LLC. Portfolio Recovery Associates is in violation of 15 USC 1692 b, this company is infringing on my right of privacy. Portfolio Recovery Associates, LLC is also in violation of 15 USC 1692 d and 15 USC 1681, accuracy and fairness of credit reporting. These are two inaccurate collections that has been furnished to my consumer reports which has resulted in my credit worthiness and reputation being ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
There were unauthorized debits from my account, that were someone else 's account.

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 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
In XXXX Ally suspended my accounts and canceled all my transfers. Three transfers were left in limbo and weren't returned to the original account or brought into Ally. These transfer were {$300.00} from XXXX, {$7000.00} from XXXX, and {$4000.00} from XXXX XXXX. I got my Ally account unsuspended but was told they were unable to do anything about these transfers and would have to file a dispute to get them back. XXXX said they were unable to file a dispute on their end and I would have to have Ally do it. Ally said they were unable to file a dispute. XXXX actually returned my funds. XXXX XXXX  denied the dispute because I had authorized the transaction.

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 2021-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holloway Credit Solutions
State: FL

Complaint narrative:
XX/XX/XXXX - original amount {$25000.00} ( approximately, as I have never received a bill ) - I noticed a collection on my credit bureau report for {$1700.00} listed as " original amount '' which is totally untrue. I contacted the reporting collection company by phone sometime in XXXX - they refused to give me details of the account, history, payment information or any other information but continue to report it to the Credit Bureau XXXX XXXX XXXX XXXX My medical insurance company, XXXX, covered and paid them XXXX XXXX XXXX XXXX XXXX, ) approximately {$22000.00} services were for air flight transport from a hospital Emergency Room ( who could not handle my injuries following a major and catastrophic accident I suffered XX/XX/XXXX ) to a different hospital Emergency Room. 
XXXX XXXX XXXX contracts with providers and they are obliged to accept their payment and rate tables as payment in full. My deductible was met prior to the accident of XX/XX/XXXX and prior to these services/charges incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: PA

Complaint narrative:
I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX 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 2021-02-13 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: PA

Complaint narrative:
I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX XXXX Dept of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries XXXXXXXX XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
I tried to withdraw funds from my US Bank account through XXXX XXXX. I scheduled a transfer for {$4000.00} and it was withdrawn on XX/XX/XXXX. The transfer did not complete successfully and the funds are stuck in limbo somewhere. The funds have been missing for an entire month. The trace number for this transaction is XXXXXXXX XXXX  XXXX  told me they are helpless to do anything and I would have to file a dispute through US Bank. I did so and my dispute was rejected because I authorized the transaction. I have to recourse and no way to recover my funds.

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 2021-02-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/21 I sent a certified letter to TransUnion requesting how the 2 student loans on my account information were validated. I had to follow up with a phone call because the dispute was not addressed in there response. On our phone call they told me I would have to reach out directly to the US dept of education. Having done so, the US dept of Education stated they did not have signed documentation on these 2 accounts to authorize loans. These 2 loans are shown to have been opened on the same day with different balances. Both accounts show a XXXX balance with a derogatory note showing account as paid off after collection/charge off. I have no charge offs or collections on any of my reports. And it is inaccurate to have a status to show as both a collection and charge-off. I followed-up via a phone call with TransUnion informing them the US Dept of Education stated they could not provide signed documentation of the loan and would not remove the inaccurate derogatory status. I was told by TransUnion that I unless they were notified by the US dept of Education that they were unable to make any changes to the account.

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 2021-02-13 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: PA

Complaint narrative:
I have unauthorized accounts & inquiries on my report and would like it to be removed. According to the FCRA any inaccurate items on my Credit report that is not 100 % verifiable or accurate must be removed!

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 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase deposit customer and have been for quite some time. I keep getting preapproval offers for mortgage, car loan, etc., but I was not ready. My debit card has a XXXX XXXX image and a while back I noticed they had the same for their credit cards, so I applied ( I dont remember the date ). It was declined and I accepted it. I have since opened other credit cards without issue, including with XXXX XXXX XXXX whom I had previously included in my bankruptcy from 2003. I filed BK back in 2003 due to health issues and a car accident, which led me to not be able to meet all my finances. I have since learned to save, have proper insurance, etc. 

As a loyal Chase customer, I decided to apply again for the Chase Freedom XXXX XXXX on XX/XX/XXXX, but I was once again denied. This is through their automated system and it stated that it was due to my bankruptcy. While they provide an FCRA disclosure, I find this practice unfair and deceptive. They send pre-approval offers all the time, yet they decline when I try to apply. Not just that, but this is a BK from almost a decade ago. Others have extended credit to me, such as XXXX, XXXX, XXXX, XXXX, etc., yet Chase is acting like I am not worthy of them doing the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On or around XX/XX/2021, I wrote two checks. One for XXXX XXXX in the amount of {$120.00} and one for XXXX XXXX  XXXX XXXX in the amount of {$270.00} on my Wells Fargo checking account. Someone stole the checks from my mailbox and was able to cash the checks and receive the funds other than the companies named on the checks. I called the bank to place a claim and report the incident. The bank refused to tell me where the checks were cashed, and told me I should report the incident to the XXXX Co. Sheriff 's Office, which I did. The bank also stated I could not file a claim to receive the funds back until the thief was apprehended. I also reported this incident to the US Postal Inspection Service and the Maryland State Attorney 's Office. My concern is why wouldn't Wells Fargo tell me where the checks were cashed and why must I be responsible for and not compensated for the weak internal controls at Wells Fargo or some other bank that allowed a thief to cash two checks intended for utility bills.

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