vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I placed a deposit with Bank of America on XX/XX/2019, for the amount of {$15000.00}. This deposit was made through the ATM. A hold has been placed on these funds for 10 business days. My complaint is that I was not notified that the funds would be placed on hold at the time of the deposit. I should have been notified, and given the opportunity to not complete the ATM deposit. I would have made an educated decision as a consumer to go to the bank on which the check was drawn, and obtain cash or a cashiers check for the amount of money. I thought their may be a hold of a few days, but not 10. In a world where quick transfers occur overnight, there is no reason to hold a check for 10 days. 

This is particularly upsetting because this check was issued by my attorney, and needed for health care and equipment. This is why I would have ensured that I went to the bank which the check was drawn on to obtain the money. 

Call Bank of America 's customer service did nothing to resolve the issue, and there is no further recourse according to the call center manager. I should have the right to determine if I am willing to wait on the hold, or to cash this check in another fashion. Bank of America has denied me my right as a consumer to make an appropriate decision for me and my family.

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 2019-09-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received my US Bank ReliaCard issued for XXXX  through the Texas Workforce Commission on XX/XX/XXXX, I called the 800 # provided around XXXX XXXX   CST, said it was activated and gave me the available balance. At XXXX on the same day I went to use the card for groceries and it said the card was Not Authorized. I called the customer service 800 # to tell them about the issue and I was told it was locked because of the attempts to purchase the groceries and that I ha to wait 24 hours to call or go online to activate the card. 

On XX/XX/XXXX, I called the 800 # customer service only to tell them that I remembered when I called the day before it said the 3 digit # on the back of the card was incorrect, but because I called it locked me out another 24 hours. 

Therefore, I have money from XXXX   because I XXXX  my job and can not get access to it and I was told by the representative that it was absolutely nothing anyone could do about it to fix the 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 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Consumer call credit card company to ask for copies of the receipts signed to file a police report. Consumer was told no receipts exist. This consumer states no credit card was opened and no purchases were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Cabela 's Club MasterCard World Elite Black card issued by Capital One was abruptly cancelled without notice due to an error of reported Fraud. Issue dates back to XX/XX/2019 when Capital One informed me that someone was trying to open a new account using my confidential personal information. Identity theft reports were filed as instructed by Capital One and all credit agencies were notified. Account was mistakenly tagged as fraudulent, cancelled without notice and {$870.00} in redeemable bonus points was removed from my account. XXXX notified Capital One that the Fraudulent report was in error. After repeated attempts ( a minimum of 15 calls, a visit to the nearest Cabela 's store, numerous hours and 4 months of effort ) to resolve the issue Capital One said there is nothing they can do to correct the error even though the credit card balance is fully paid. Capital One 's final decision was to delete my account and not refund the {$870.00} in bonus points even though they recognize the entire incident was an error. Capital One said it was an " Administrative '' decision and they did not feel that it was an appropriate decision. I asked to speak with the " Administrator '' that was involved in the decision and was told Capital One Administrators are not allowed to speak to customers. Details are provided in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC Bank NA knowingly deceived me by using the Attorney which i hired to represent me at a house closing, to represent them ( HSBC ) instead. Hence, i was defrauded in multiple ways by thinking that i hired the Attorney to represent me, whereby he represented HSBC. Whereby, producing fraudulent documents ( by giving me blank documents ), and NEVER stating where the money for an alleged loan would come from. Hence, a fraudulent table-funded loan. 
HSBC was quite aware of the fact that - that type of arrangement is FRAUDULENT AND A CONFLICT OF INTEREST. Please note that i have written proof from the Attorney, on his letterhead with his signature - whereby, he stated that he represented HSBC. Including other documents to state my claims. 

I also have other supportive documents accordingly ... .. 

HSBC is now using gross/polowy ( a collection agency ) to send me on-going HARASSING/BULLYING COMMUNICATION which includes fraudulent information, as well-as to include information for people I DON'T KNOW, and has attached their information to my name. 
HSBC Bank NA must ask gross/polowy whom they have employed to stop harassing me, with fraudulent information, and to cease and desist from harassing me with their fraudulent/defamation of character which they - HSBC AND XXXX have made public. 
HSBC has also allowed the company ( XXXX/XXXX  ) they hired to harass me to attach/link information for people i do not know, and have never known to my name and personal information. Thus, further defaming my character. 

HSBC Bank NA has also given the three major credit reporting agencies fraudulent information about me, which has seriously damaged my financial profile - whereby stating that i took a loan from them, as well-as other company on the same date, which is fraudulent. 
XXXX shows that i'm linked with them as an active account holder. As well-as having multiple loans taken out on the same date - which is NOT TRUE. 
Hence, i'd like to know who is at the helm of the current house foreclosure mill with such fraudulent information, while HSBC Bank NA continue their fraudulent practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax and XXXX  not reporting company caused me to have a lower score that violated my FCRA. rights 15 % of credit reports score rely on payment history length have them correct the paid off accounts that aren't reporting as even any kind of history XXXX XXXX XXXX ( 5 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you look at the report I just applied for a mortgage that I was turned down costing me a great investment property CFPB was put in place to make sure the company did their jobs. The company still harmfully violate our rights costing consumer Billions of dollars not millions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am the primary card holder of a Citibank Double Cash credit card which was opened in XXXX of 2018 with one additional authorized user. On XX/XX/2018, I called Citibank to remove this authorized user and get a new number. I was issued a new number and the other user no longer had access to the account. On XX/XX/2018, the previously authorized ( now unauthorized ) user provided the old/original credit card number to the gas company ( XXXX XXXX ) and set up an autopay which charged my credit card on 7 different occasions ( for a total of {$560.00} ). 

Citibank first denied my claim for fraud/unauthorized use because according to them if I have ever had interactions with this merchant in the past ( even on a different property ) then they automatically deny the claim of fraud. I was not contacted but rather just sent a letter saying my claim was denied. I called back and they re-opened the investigation. Citibank ( apparently ) contacted the merchant who had 45 days to respond. The merchant indicated they had been provided with a number which was cleanly processed by Citibank so there was nothing they could do. 

My name is not on the XXXX XXXX XXXX account. The now unauthorized user is the only user on the gas account. I am the only user on the credit card. It would be impossible for me to pay this account with my credit card as I don't even have the XXXX XXXX account number ( and they won't give it to me ). Citibank should not have let him provide the old credit card number and it process through for 7 months. 

I called Citibank a third time and they said they have no record of my original number in their files and they would have it even if I had closed the account 10 years ago and that it was my fault for not getting a new number when I removed the unauthorized user. I have monthly statements that have the original number on them and then the new number appears on the XX/XX/2018 statement. I have offered to provide them with the statements that have the original number on them and show that I got a new number in XX/XX/2018 and they declined for me to submit that evidence. They also indicated that perhaps I wasn't clear about the unauthorized user being removed. I asked for them to provide the transcript from my phone call on XX/XX/2018 and they would only provide a transcript with a legal subpoena. 

I have now been continuously re-opening my case for over 2 months because they keep closing it without understanding the facts. I did everything I was supposed to do - I called, removed the user and got a new card number. What else would be required for me to prevent unauthorized use of my card going forward?

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 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
When will this bank approve me and not closed my account they treat me horrible when I get approved their XXXX fraud department shuts me down immediately its not fair I cant use my card once approved I have applied for a secured card even and they wont approve me their crazy also I asked them they would offer contactless technology on their cards tap pay feature it makes the checkout more convenient as many banks are starting to add this feature next to the chip you tap it instead of inserting the chip its more secure they said they dont know such old technology time for this bank to update their card technology as other us banks

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 2019-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEMBER FIRST MORTGAGE, LLC
State: MI

Complaint narrative:
In XXXX I went into XXXX XXXX XXXX XXXX to apply for a mortgage. At that time I supplied all requested documents including the last 2 years of my taxes. I was quickly approved for {$60000.00} which I asked for then after three months of looking I was approved for {$65.00} because I found a home for that amount. It was okay that someone else 's offer was taken. I found a home and that's when I was approved a second time at the {$65000.00} price point. The home I found was listed at {$59000.00}. I offered an additional {$2000.00}. I was moving towards closing and Member first Mortgage begin asking me for documents which were already submitted. Then after submitting them they ask again for the same documents, over and over again even after sending me an email stating they had all the documents. As time passed and I heard nothing regarding closing I begin to inquire as to the status of closing. I had previously been given an expected closing date of XX/XX/XXXX. However, I was told on XXXX that the underwriters had suspended my loan and no one knew why. I called the bank and was told there was no problem and I should be closing. I called the bank and was informed by the new Bide Pres. of banking XXXX XXXX that the Vice president of banking XXXX was let go a And he was brought in to correct the many mortgages that were messed up. XXXX at Member First Mortgage who was coy told me my income to debt ratio was 84 %. My challenge is they had my taxes w-2 and 1099'since XX/XX/XXXX and no one ever said a word. I have gone from looking to the appraisal process I knew nothing of this and the underwriters looked at a home I had turned down and even sent me the truth in lending papers. The whole process was botched from lost papers over and over again to not properly reviewing the papers to being told by XXXX that " You are approved to close. We will be closing on the XXXX. They refunded my {$520.00} appraisal fee because they admitted the debacle Stinked. I am expected to move out of my place. Where am I going until my loan closes WITH ANOTHER LENDER? '' The complete process was unprofessional and deceptive, unorganized and disingenuous. Needless to say, I called XXXX XXXX who assured me that he would handle it and call me back. Neither of the promises was kept. 
It is my sincerest hope that NO ONE is made subject to this type of treatment from XXXX XXXX  XXXX XXXX or Member First Mortgage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
The debt collector is trying to collect a {$180.00} fee that I do not owe. Flagstar bank automatically opened an account in my name after they purchased XXXX XXXX. I have never used the account or gave permission to flagstar to open a checking account in my name. I do not live anywhere close to a flagstar branch so there would be no reason for me to have an account with them. I contacted flagstar and was told this has happened to several customers and that it was out of their hands since it had been sent to a debt collector.

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 2019-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
On XX/XX/XXXX. I noticed on my credit card statement a transaction made at a XXXX in Minnesota on XX/XX/XXXX. They cancelled my credit card immediately. They said that they would then look into the transaction and it turns out that there were 6 transactions made totally {$340.00}. I called them again later that week and nothing had been done. I called again the XX/XX/XXXX. I had not received my new credit card as of yet and nothing was credited to my account. I called again today. They said that they are putting it in as a non fraud case to XXXX because I do " business '' with XXXX. So because I have bought XXXX food in the past a few times over a few years I must have bought this food 6 different times in one month in a state I've never been in. Under the Error Resolution Notice which they had no idea about they are not crediting my card like they are supposed to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
After 3-4 episodes of re-opening dispute for undelivered service, Citibank doesnt want to resolve it in our favor citing different reasons : peruse credit from service provider via legal action, truth in landing act limits the amount of claim for paid in full charge, and lately the claim is too old We tried to dispute {$1600.00} charge from appliance repair company. That company not only undelivered promised service, they still keep our wine cellar in their premises. During transportation, their vehicle got into accident, damaging our wine cellar beyond repair. They sent us supporting image via phone text and cancelled delivery. At first, business owner promised a compensation at the amount of {$2800.00} ( text messages are available ) but later stopped communicating and all our attempts of further contact were unsuccessful. 
When we realized that we cant resolve this matter with service provider, we contacted our credit card company and they didnt mention that it was too late to dispute transaction until recently. The correspondence with Citi bank lasted 3 months.

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 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Case : XXXX AMEX closed my case without giving me a reason. I made a this complaint about an offer made publicly online and not honored. Please see all documents attached. 
I called AMEX ( XX/XX/19 XXXX Eastern Time ) and spoke with XXXX ( XXXX ) and later his supervisor XXXX XXXX XXXX gave me his email so I could send him my evidence, this email 's attachment. His supervisor hung up the phone. XXXX insisted that I have to spend {$600.00} in order for AMEX to honor the offer. As you can see on the attached document : TERMS, CONDITIONS & DISCLOSURES, this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
About 30 days ago, my wife put in for a refinance. I put up earnest money for another property because she is refinancing the statute home in her name. The property I am purchasing in my name can not be purchased until the title is clear out of my name. I was told 60 days was standard by Navy Federal, however that seems excessive. Also they cant even give me a hard date so that way I can set a closing days on my new property and Ive called four times and message three times. Please help.

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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