vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
For the last couple of months, Citizens Bank has been sending us marketing mail materials and emails regarding the option of doing online banking. We do not do direct deposits or online banking due to our fluctuating income and financial situation. We send personal checks every month with the home mortgage statements Citizens send us every month. We have had this loan with this bank for almost 2 years. We never had a problem before, they always sent us the bills ahead of time, and we have never missed a payment. 
For the last 3-4 months they have been sending us the mortgage bills only a couple of days before the due date and the late fee begins ( the 15th of every month ). We feel harassed and threatened by Citizens by this tactic. This is very worrisome to us because we have perfect credit and we can't afford late fees ( {$87.00} ) of any kind. We always make our payments with personal checks to all of our providers without a problem ( electricity, gas, our apartment maintenance, cable, cell phone, homeowners insurance, etc.. ) All of the other providers ' bills arrive on time in our mailbox and all different providers cash them on time as well. We have never had ANY late fees of any kind with any company. 
This month of XX/XX/2022, our mortgage bill is due by XX/XX/XXXX. We just have not received the mortgage bill. We called on Friday, XX/XX/XXXX at XXXX am to complain, but we still have not received anything from them BUT we keep receiving emails and marketing materials thru regular mail from them about signing up on their direct deposit option. We feel harassed and threatened by Citizens by this tactic. We can't do online banking since our income fluctuates every month and sometimes we pay from separate accounts every month since we are XXXX workers, not XXXX. 
We are very worried, we can't afford any late fees. Our calls to them have been obviously ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: OR

Complaint narrative:
IQ Data International is a collection agency reporting a current debt of {$2400.00} owed on my credit report, which includes a claimed {$730.00} in accrued interest, and has failed to respond to a simple request for validation. My request for validation letter was confirmed received by IQ Data International via USPS on XX/XX/2021. 

Furthermore, IQ Data International has attempted to gaslight me with mention of a " dispute '' that never really happened and citing yet another debt amount owed ( of {$3400.00}, including a claimed {$1800.00} in interest, noted in attached response letter from IQ Data International dated XX/XX/2021 ). 

The 30-day period for IQ Data International to respond to my request for validation is now long past, and by law they must stop reporting this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
on XX/XX/XXXX I purchased an automatic litter box for {$89.00}, and paid through XXXX. I received a confirmation of purchase stating the item was coming from XXXX. Would not have purchased if I had known that. I never received the item and disputed the charge with Barclays credit card. They removed the item from my account. XXXX sent Barclays a notice stating I received the item and the {$89.00} Charge was put back on my account on XX/XX/XXXX. I contacted them and told them i never received it and they would not do anything. They said I need to send them documentation which I did on XX/XX/XXXX after contacting the USPS directly regarding the shipment I supposedly received. Not only did this package not get delivered to me, but it weighed 5 oz. The litter box weighs about 50 lbs. So obviously whatever was shipped was not what I ordered and was not even delivered to me. I have contacted Barclays 2 times after the initial call. The first call they said they hadn't received the documentation yet and the 2nd call on XX/XX/XXXX, they hung up on me. I just need to be protected from scams when using my card and obviously Barclays does not do that.

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 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the Chase Sapphire Preferred card on XX/XX/2021 because of the XXXX point bonus promotion they were offering at the time. After applying for the card, I received an email that my application was being processed. I spent much of the next few months traveling and away from my home address. After a few weeks, I called the Chase Customer Service line and was directed to an automated portal system where I could enter my social security number to find the status of my application, which I was told was approved. 

I returned home a couple of weeks later to a letter from Chase in the mail saying that I needed to call to verify my application. When I called, I was told that it had been over 30 days and they canceled my application even though I was previously told via the automated system that I was approved. I never received any other emails or phone calls from them except for this letter, which very easily could have just been lost in the mail. 

I have since spent over 20 hours over 6 different ocasions on the phone with representatives from Chase 's lending and customer support teams and I've been asking to just have them honor the previous offer that I was approved for which is no longer available. I have been told numerous times ( including from a representative named XXXX ) that they would resolve the issue for me and I would be contacted within 2-5 business days by a manager, and have never received a single call back. XXXX even assured me that they would run a new credit check for me and then remove the hard inquiry after I was approved since I had already gone through this process before. 

All I'm looking for is for Chase to resolve the problem by allowing me to re-apply for the card with the offer that I was approved for in the first place. Their customer service has led me astray multiple times and It's completely demoralizing for me as a consumer who just wants a credit card that I've been told is really great.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
There was a lawsuit between Ally Financial XXXX and myself. This went to court and was DISMISSED with prejudice by the judge on XX/XX/XXXX. This was to be removed from my credit report. I Have disputed with all 3 credit bureau 's. XXXX removed immediately. XXXX and XXXX still have not removed. I have disputed with both of these bureau 's multiple times, providing all documents. It is still on my XXXX and XXXX report. It continues to hurt my credit. Ally Financial still continues to report to these 2 bureau 's. I have spoken with Ally Financial finally on XX/XX/XXXX. The law firm that supposedly handled this case for Ally failed to report back to Ally the court order. That firm is XXXX and XXXX, XXXX. I am faxing the court order in to Ally Financial per their request to their legal dept. Legal analyst name given was XXXX. The fax # provided was XXXX. I do not know what else to do to get this resolved. There should be consequences for Ally Financial and this law firm, and reporting bureau 's for this undue stress. It is wrong on every level. I provided all documents to bureau 's and called and confirmed that they received. IF the bureau received copy of court order, why would they not automatically remove??

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 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I am being told since the pandemic started the the federal loans I have with Navient dont qualify for the government authorized deferment. I thought all federal student loans fall in this criteria

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: ID

Complaint narrative:
XX/XX/XXXX called Sallie mae once again to explain I am experiencing serious health issues and can't pay at this time Customer service has no Options for me gives me a number to call and I have been on hold for 2 hours now and requested the disability application which will be received in my email in 2 days? I hate that the laws in place just don't pertain to them nor do they have any options to work with me. It's a joke and I'm struggling to get through each day as it is and they aren't easy to deal with at all. XXXX I'm so fed up. I communicate and get no where

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRIME MORTGAGE LENDING, INC
State: NC

Complaint narrative:
I had GoPrime Mortgage of XXXX XXXX complete a unauthorized Hard Inquiry on my credit on XX/XX/XXXX. 

I submitted an application early XXXX. On the XX/XX/XXXX we emailed about credit pulls. I requested to be notified before the credit pull, XXXX XXXX of GoPrime responded he would need email authorization. I responded on XX/XX/XXXX that I would need it done before XX/XX/XXXX since I already was shopping around for rates with other mortgage lenders. I never heard a response from him until XX/XX/XXXX after this unauthorized incident. On XX/XX/XXXX I email XXXX XXXX stating that I was withdrawing my application. I also attempted various time to speak with him over the phone but kept getting his secretary who I also notified of my withdrawal. Today XX/XX/XXXX my credit was pulled by XXXX XXXX on behalf of GoPrime Mortgage without my approval. I notified XXXX XXXX and he contacted me via phone stating he would investigate, but also stated he didn't know what a resolution would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a savings/checking account with Truist Bank XXXX formerly BB & T ). They began charging maintenance fees on my account because the minimal balance requirement changed after the recent merger ( I have had opened the account in Texas under BB & T where the requirement was lower ). That is the first issue. 

2nd issue is that I want to close the account. But the bank insists that I have to physically visit their branch to close the account. I currently live in XXXX MA. Their closest branch is somewhere in the south like XXXX Georgia. It is highly unreasonable to expect me to take an airplane just to close the bank account. 

What can I do in this situation? Can I just take the money out thru an online transaction and ignore the account left with zero balance?

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 2022-01-14 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: NCD Financial, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SS # XXXX Telephone- XXXX Date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IDAHO Account number XXXX XXXX 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge definedExcept as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

15 U.S. Code 1666b. Timing of payments b ) Grace periodIf an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge XX/XX/XXXX Account number : XXXX To Whom It May Concern, Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have had an ongoing problem with synchrony MasterCard XXXX for a few weeks now I had an XXXX transaction dated XX/XX/2021 and which I ordered a camera {$140.00} that was damaged I sent it back XXXX have proof of the buyer picking it up and signing for it however was never issued a return. I forwarded all my information to XXXX and synchrony about this transaction and their claims team did not do their job. I had to resubmit another claims XX/XX/XXXX and Im told I have to wait 90 days for this to proceed? When I have the seller of the item acknowledge that he has received it and has told me that XXXX is the one not issuing the return I have a problem here.

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 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX I placed an online order for an arcade machine that cost XXXX total. As of XX/XX/XXXX, I had not received my purchase. So, I contacted Brandsmart, in XXXX GA and they informed the item was not in stock and the order should have been cancelled XX/XX/XXXX and voided and refunded. I did confirm it was cancelled and voided but it was not refunded per my call on XX/XX/XXXX, and is now on my credit report as if I owe Brandsmart  XXXX plus a late fee. This is causing me undue stress because I'm trying to refinance my house and this fault information is now on my credit report. I do my best to pay my bills on time every time. Additional details below. 



XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  {$390.00} Order Date : XX/XX/XXXX Order Number : XXXX Order Total : {$470.00}

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 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was supposed to be paid wages by direct deposit to my account at Chase ( Acct XXXX XXXX, checking ) XX/XX/XXXX. Chase Branch XXXX XXXX XXXX XXXX, XXXX XXXX, NY. Phone XXXX. My wages are not in my account ( as of today XX/XX/XXXX ) XXXX has provided a receipt, which is attached. Chase has no record of the funds and will not do anything to determine where these funds have gone. I was originally told by Chase help line that they simply would not help me and it was not their problem- I needed to pursue XXXX XXXX I did- and XXXX provided a voucher number for the transfer. I provided the voucher number to the Help line, which refused to help. I called the branch and was told to go to XXXX. I explained that I had and XXXX gave me a voucher number. The Branch Manager said that I would receive a call reporting the results of investigation from the " Escalation Team ''. 

I followed up with XXXX ( XXXX XXXX XXXX, XXXX, NJ XXXX. Ph XXXX email XXXX ) who is refusing to talk to me saying it isn't their problem. 

I have followed with both entities who are telling me it is not their problem. I really would like to get my wages. Someone has my money- just not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I am a current member with Navy Federal Credit Union. Recently I attempted to open a second checking account and was denied due to issues with my account status. Upon contacting NFCU I was told my account was flagged because of sold prior debts. This is where things get really messed up. After being bounced around departments and dropped to phone lines that go straight to voice mail I finally got someone who was able to confirm the loan numbers of the two loans and that they were sold in XXXX of XXXX. This also confirmed they are the same two loans ( the only two I ever had with NFCU ) that were discharged in XXXX XXXX bankruptcy on XX/XX/XXXX. NFCU has told me that the only department that can assist with this issue is the Debt Sale department but when transferred to it, or when calling the direct line number I was provided it goes straight to voicemail. They say to leave a message and they will call back, but nobody ever calls back. Every time I contact them to try and resolve this issue I get lead around the same circle and ultimately referred to a department that they can't even get on the phone. I actually was wanting to repay my discharged debts to them and bring my account back into good standing on the lending side of the table but now I've been dismissed, talked down to, lead on a wild goose chase, generally treated like garbage, and flat told they shouldn't have even opened my current accounts ( had this same fight with them at that time back in XXXX, thought we had resolved it but guess not ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
A cash app account was opened using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XX/XX/XXXX my Bank of America State of Michigan XXXX XXXX prepaid debit card was drained of {$5900.00} in over 3000 transactions by in internal breech of BOA. I have made numerous calls and complaints with still no resolution on their end. It is now XXXX, XXXX and I am still awaiting the return of {$2500.00}. I have filed 2 previous complaints with this bureau, and you have helped me. Time is of the essence as I have received this message from BOA : Please note that the Michigan Unemployment Insurance Agency has changed its process for distributing your benefits payments. 
What's happening : As of XX/XX/XXXX, Michigan Unemployment Insurance Agency stopped depositing funds to Bank of America debit card accounts. Your Bank of America card account will remain active until XX/XX/XXXX. 
What you need to do : Prior to XX/XX/XXXX, you may continue to use your card. If your card expires after XX/XX/XXXX it will not be reissued. To transfer funds to your existing checking or savings account, select the Transfer funds option within this site. If there are funds remaining in your card account after XX/XX/XXXX, you will need to contact us at the telephone number on your card for further information on how to obtain the balance. I am at a loss of what to do. I am not sure a fraud department exists. Thank you for your time.

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