vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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: OH

Complaint narrative:
On SaturdayXX/XX/2021, I received a debit card from US Bank, number XXXX XXXX XXXX XXXX The name on the card is XXXX XXXX ; I know no one by that name. I have tried to report to US Bank but calling the number provided on the paperwork, plus several other US Bank numbers, was fruitless since they all said that this is a " Reliacard '' which is used for government benefits like unemployment -- and when I try multiple times to phone the Reliacard number they gave me, their lines are clogged and I can never get through. I am somewhat concerned about identity theft or welfare fraud or other issues, and I find it highly irresponsible of US Bank to be inaccessible.

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 2021-02-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kentucky Higher Education Assistance Authority
State: NY

Complaint narrative:
I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations. They have also manage to garnish my funds illegally!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
After speaking to three reps at Ally and getting different information each time, I got the early lease termination information and turned in the vehicle where I purchased it. Ally said I could turn it into an Ally affiliated dealership near me, but I ended up driving 130 each way to turn it in on XX/XX/2021. I got the odometer statement filled out by the dealership as requested. The dealer faxed it to Ally at two different numbers provided by Ally. Neither was correct. I emailed it twice. No luck. I finally got a supervisor to give me their email address and confirm they got it. They were supposed to get an inspection and let me know the results. I was told today XX/XX/XXXX, that it was done on XX/XX/XXXX. I asked the rep to email me a copy. She placed me on hold with the department to get that done. Then one hour and eights minutes on hold, it disconnected. Then I called back and the rep said the inspection was NOT done. I asked to speak to a supervisor, who confirmed nothing. She said they were too busy to assist and directly me to their useless email contact area that didnt work the last three times they directed me there. It has been almost two months, nine calls, 6 hours on the phone, and this is not done. Still open on my credit report. Still no final statement. Still no end in sight. How is this acceptable? How is it possible I get a different answer literally every single time I call? This XXXX has not been in my possession for two months. I cant protect it. I cant drive it. I am still paying insurance on it in case it gets stolen or damaged during the delay.

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 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Read the testimonies I uploaded SLS business is to lai that all home owners are late Lady due Then they turn the past due to delinquent so they have excuse to immediately foreclose This is how they do it Please read what I sent and put this Crocks our I am in a same basket of all those home owners With the government ban eviction and foreclosure specially fraud foreclose I and sending my situation and what SLS does to my governor Congress SLS should be pay and wipe off for what they are doing Its pure fraud cheat and stilling They are in business based on fraud cheating and get rich by fraud SLS is owned by XXXX Put them out Please take action

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 2021-02-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am trying to get my reports together and I have reached out and have not heard back. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX I opened a checking account with TD bank subject to a promotion offering {$300.00} for customers who received cumulative direct deposits greater than XXXX. The terms also stated that the offer was available to customers who did not have a checking account within the preceding 12 months. I had closed my previous account on XX/XX/XXXX. I met the requirements spelled out in the offer by XX/XX/XXXX but TD Bank is refusing to pay out the bonus because they say I am not a new customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of America wrote to me in official letter stating that they would be closing my accounts due to risk. They also told me that their decision was to protect me as a customer, and to protect themselves as a bank. 

This happened in XX/XX/XXXX and beyond. From last year, the bank has never sent me my money, instead, they have continued to charge me for Maintainance fees, overdrafts and in addition they have continued to pay transactions which I do not authorize. I never have access to my bank accounts because they blocked me from Accessing them, after scammers attempt to access my account. The bank continues to hold on to more than {$8500.00} of my money and denies me from Opening an account with them, fir which they claim it was risk prevention. Some of the money in those accounts being to my XXXX child XXXX years old, survivor benefits, and money in arrears from my paychecks and so on. 

I am tired of waiting for my money and I am feeling abused, discriminated against from banking with them, even though I am a victim of identity theft. Bank of America punishes me by not allow me to have access to my money and accounts. I need proof, results and details of the investigation which they claim is still ongoing. I need the bank to add interest to my money which they hold XXXX and to pay for inconveniences caused. I am a XXXX woman. For far too long, banks like BOA have discriminated against us, XXXX us in overdraft fees and in predatory lending. I need my money with interest of 15 %. Counting from XX/XX/2020. 

Thank you. 

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 monetary relief
Consumer complaint received 2021-02-22 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: FL

Complaint narrative:
These accounts were found to be fraudulent so they were removed by Equifax. Can XXXX XXXX and XXXX please update there records as well and remove them ... Please remove the inquiries as well associated with it ... 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Bought an oven from Best Buy in XXXX of 2020. Within a week, began getting calls about fraud on the account. After going back and forth for months simply requesting a statement from their credit provider CitiBank, just received the statement with in the last week. Credit is now paid in full. Unbelievable that Citibank would ruin my credit XXXX to XXXX, over this dispute.

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 2021-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX I started the process of buying a home for my family that includes myself, my wife & our XXXX XXXX XXXX XXXX. Both my wife & myself are actively in the XXXX, stationed in XXXX XXXX TX. Right after we started this process I was XXXX, my wife was given a Power of Attorney to complete the process. On XX/XX/XXXX my loan officer asked me to prove I was not 30 days late XX/XX/XXXX on my Capital One # XXXX account because that's what's being reported on my credit through XXXX, XXXX & XXXXXXXX. Capital One sent my payment history from XX/XX/XXXX through present that proved I was never late. I opened a dispute because after speaking to their customer service, this is their process of correcting their error. I attached Capital One 's proof they sent me to my dispute. I called back a couple days later to find the dispute was closed because I had provided no proof of my claim. I duplicated this same process 3 times. Every time either myself or my wife calls Capital One, we are given different excuses why we are wrong & they are reporting correctly. Even though Capital One sent us proof of my payment history. This has been going on since XX/XX/XXXX until now. This company is clearly in violation my consumer rights for Fair Credit Reporting Act & blatantly discriminating against the color of our skin. This is preventing us from being approved for our purchase financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: TN

Complaint narrative:
I submitted a complaint about money being randomly being debited from my account to the office of the comptroller of currency and received a letter date XXXX that it was turned over to you for assistance. To date I have not heard anything from your agency. Since then, today XXXX I was notified that my account was debited for XXXX and I have left the house nor have I made any online charges. This is the third unauthorized debit from my account. The letter from Direct Express is attached as well as one from office of the comptroller of currency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Scammers posing as employees of XXXX XXXX on XX/XX/2021 convinced me to make 4 payments totaling {$1400.00} to avoid disconnecting electricity at my home in XXXX, NY XXXX. The tool the scammers used was the Chase XXXX XXXX function offered and promoted on the Chase on line account page. I had never used XXXX before. The scammers walked me through how to transfer funds to a phone number. 

Upon realizing what I had done I immediately filed a report with the Chase fraud unit where I was advised to 1 ) close down the checking account from which I had drawn the funds, 2 ) open a new checking account, 3 ) file a claim with the Chase claims department. I did all of this. I was told the matter would be resolved by XX/XX/XXXX and that in most cases like this funds were restored. 

I received a notice posted to my online account on XX/XX/XXXX stating that the 4 scam transactions were never paid and that Chase would make no adjustment to my account. This notice is attached to this complaint. However, the Chase notice referenced only my closed account but the scam transactions had been transferred to my new account, which showed and still shows the money being debited. 

On XX/XX/XXXX I called Chase to correct their notice and insist that my claim be processed. Chase told me the issue was XXXX 's responsibility and I was given a number to call. I was unable to reach a live person at XXXX. After several more calls back to Chase I gave up.

My complaint is that Chase, by promoting and enabling XXXX, has provided scammers a tool to steal from their victims but does not provide even rudimentary safeguards against the sort of fleecing I experienced. For example, the supposed names of the accounts and the phone numbers were never vetted by Chase even though my scenario is a well known ploy. It's as if Chase has posted a loaded gun on their web site, encouraged customers to use it, and washed their hands of any responsibility for its consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: MD

Complaint narrative:
On XX/XX/2021 I called Experian to get the results of an address dispute and to file a new dispute for items related to the address, I was informed it was nothing they could do, the furnished of the information I was disputing, was XXXX XXXX, I have documents to present, Im ask that Experian remove address and all related items to that address on my credit report, XXXX XXXX has removed the address and since they furnished the information, Im asking Experian to remove address and any related information to that address

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 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I applied for a home loan and found out there was a judgement on my credit report in which I still cant see when I pull up my reports.When I tried to contact the company I was told they only have limited information.I never received anything about this in the mail or this case even going to court.The information the company did send in the mail is not detailed at all. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
Alliant Visa advertises a warranty extension feature. On XX/XX/XXXX, I submitted a claim for a broken vacuum, and was assigned a claim number, XXXX. Alliant apparently outsources this coverage to " XXXX XXXX XXXX, '' who sat on my claim for almost a month, despite their status page showing all documents had been received. 

When I called today, XX/XX/XXXX, I spoke with " XXXX '' employee # XXXX at XXXX XXXX XXXX they informed me they were waiting for and require a repair estimate. This vacuum, like many modern products, are not designed to be repaired and no companies exist to offer. 

XXXX told me that the only way they would even consider honoring the warranty benefit was if I either provided statement from a repair technician, or if I paid to ship the unit to XXXX XXXX XXXX, in the hopes that maybe they would decide that the unit was covered under the plan. They refused to even accept a phone video of the item. 

Only after today 's call, did I receive a demand to mail the item to them, at my expense. Mailing them the broken device is not a stated requirement of the benefit in Visa 's marketing materials. 

I believe this is a fraudulent series of tactics designed to make it exceedingly difficult or impossible for consumers to benefit from the advertised card features, and the federal government should do what's in its power to stop credit card companies like Alliant from this misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
On XX/XX/2021 I contacted the Office of XXXX XXXX XXXX, XXXX in respond to a letter that I received by mail with a Execution of Money Judgment against me and they are representing Calvary Portfolio Services, LLC to collect {$10000.00} dollars debt on a vehicle I was trying to explain that this account already pasted the 6 years status of limitation for Massachusetts and 5 years for the State of Florida and they are treating with the Judgement to taking my house as far as I can understand. The bank or the collector didn't send me any court order to go to court to address this issue in the past 15 years and now they are requesting that amount when I have a home loan to pay diagnosed with XXXX and XXXX I was not working for 3 months and I also had the XXXX recently. I don't have the ability to pay this debt at this time specially that it is from offer 13 years old debt from another State. I feel this is abusive and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened a business checking account on XX/XX/2021 at Chase Bank by depositing {$100.00}. I provided the corporate documents required to open the account at my local branch. Subsequently the next week, I deposited three checks using mobile deposit. I recently closed on a property and deposited the security deposits and XXXX rent in the amount of {$1600.00}. 

I reviewed my balance using online banking to confirm deposit of the checks. However on XX/XX/XXXX, I attempted to deposited the XXXX rent check and discovered that Chase Bank closed the account and withdrew the funds out of my account. I contacted Chase Bank on XX/XX/XXXX and was informed that the account was flagged for suspicious activity. The fraud department informed me that they must manually verify/authenticate the checks. This required that I and my two tenants are on the phone at the same time. The representative stated that if I had responded to a letter, then the account would not have been closed. 

My tenants were not available to speak to them until XX/XX/XXXX. We spoke to a representative who authenticated the checks and tenants. I was informed that it would take between two to five business days to place the funds back into the account and 24 hours to reopen the account. 

I went to my local branch on XX/XX/XXXX to close my accounts because I was highly displeased with the customer service and business practices of Chase Bank. Upon arrival, I was informed that no funds were deposited to my account. The local branch manager escalated this matter on my behalf. I was informed at that time, that the funds would be deposited by the end of business on XX/XX/XXXX. 

I called Chase Bank again on XX/XX/2021 to inquire about the status of the account. Again, I was informed that it was open. However there are no funds available. I was told that I couldn't speak to another supervisor until 1-2 business days later. 
It has been 30 days since I have deposited these checks and still do not have access to my tenant 's funds. 
I am told that it will be another 3-4 business days. This is utterly unacceptable!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We are writing to request the information described below in regard to the mortgage on my property at, XXXX XXXX XXXX XXXX XXXX, Il XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence YOU acquired ownership of the SUBJECT LOAN when Washington Mutual Bank, XXXX, IL failed. 
PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence ownership of SPECIFIC SUBJECT LOAN was sold as part of certain assets acquired by JPMorgan Chase Bank, N.A. on XX/XX/XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence servicing rights for the SPECIFIC SUBJECT LOAN was sold as part of certain assets acquired by JPMorgan Chase Bank, N.A. on XX/XX/XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence the SUBJECT LOAN appeared on the financial statement ( s ) WASHINGTON MUTUAL BANK, XXXX, IL, between XX/XX/XXXX to XX/XX/XXXX. 

PLEASE PRODUCE ANY and ALL DOCUMENTS that evidence the PURCHASE & ASSUMPTION AGREEMENT between the FDIC-R and JPMorgan Chase Bank, N.A. included assets of WaMu XXXX XXXX XXXX. 

PLEASE PRODUCE the guidelines as established by YOU as to when and how JPMorgan Chase Bank, N.A. could, by power of attorney, transfer any ownership interest in the SUBJECT LOAN, SUBJECT NOTE, or SUBJECT DEED OF TRUST. 

PLEASE PRODUCE the power of attorney issued by YOU to JPMorgan Chase Bank, N.A. specific to the SUBJECT LOAN, SUBJECT NOTE or SUBJECT DEED OF TRUST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I want to know why am I not able to open up a Wells Fargo checking 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