vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had chase bank account from this year XXXX till middle of XXXX they closed my account without inform after they close my account they sent me letter ( after few weeks ) They gon na close my account soon because Im unable to provide some details to about my account but from that time frame I didnt receive any email or mail from them regarding close my account until they closed it at that time I had over XXXX $ on my account from beginning XXXX till today ( XX/XX/2020 ) Ita has been under investigation I called to them at yesterday asking about their process till yesterday they didnt investigate or do nothing till I called them still they hold my money with there hand I called them around XXXX XXXX ask they need help from me but they didnt asked anything They wasting my time and holding my money without do nothing Then I went chase bank store and asked why I cant get my money or what do you need any documents or details from me still they dont know how to handle that issue because I called 4-5 time via a chase customer service different person said different thing no one knows what to do Then I was argued and I asked why you hold it before they said I have issue with my unemployment benefits and I figured its not I issue at all then at yesterday they said my account has 3rd party members then I asked who thats is then they said name of that person I told to them I know him he is one of my friends son This is very small issue because he was try to deposit some money on my account because I was helping his dad That was issued but chase bnk lawyers said its unemployment issue then I called to unemployment department they said they dont have any issues with your account or you getting benefits from our department I told this thing to them they did not get any action to it I want go lawsuit against them because why they waited long time without do nothing and they proved nonsense issues they didnt investigate correctly I got harmed because that period I had link this chase bank account I had to pay overdraft to most credit card bill And while they closed accounts they closed it without futher notice And they cant solve this matter until I figure it out I need to go higher lawsuits against them because this is frustrating and 100 % their failure

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
bank of america closed my card

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 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: NJ

Complaint narrative:
About a year ago, after pulling my CREDIT REPORT, I realized multiple unknown accounts on it. After doing my own research, I realized that I needed to file an identity theft Police report, so I did. Then my next step was to notify the credit Bureaus that I was a victim of Identity theft, a few months went by and I got my credit report fixed. 
I, recently reviewed my credit report and saw a collection named : NATIONAL CREDIT ADJUSTERS, on it, trying to collect an alleged debt with an alleged creditor XXXX XXXX XXXX XXXX XXXX XXXX I think ) because they were the alleged creditor before with an alleged balance of {$480.00}. I do not even know where this account is coming from, I am definitely sure that this account does not belong to me, just about two months ago, there was a different collection company named XXXX XXXX XXXX, trying to collect on the same account. I am attaching as Exhibith A the previous dispute with XXXX XXXX XXXX with a copy of Police report that I filed on XX/XX/2018, regarding an issue with identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I paid off my home mortgage on XX/XX/XXXX. On that same day my credit score dropped by 56 points thru Experian. I have tried to call Experian to discuss this issue with them. I am looking at purchasing another home, but my credit rating has dropped which is pushing me into a higher APR.

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 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: CA

Complaint narrative:
I received an unsolicited Cash App debit card in the mail the week of XX/XX/2020. I was able to verify that an unauthorized account was opened with Visa on XX/XX/2020 and XXXX XXXX  on XX/XX/2020. XXXX canceled the card and XXXX XXXX  closed the associated account ; however I have been unsuccessful in closing the Cash App account which was fraudulently opened in my name using my mailing address. 

I contacted Cash App via XXXX first on XX/XX/2020 and received instructions to close the fraudulent account through the app by logging into the unauthorized account. Since I did not open the account myself ( as it was fraudulent and not opened by me ) I had no way of doing so. 

Since that initial email, I have had email correspondence with XXXX ( XX/XX/2020 XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX  ), XXXX ( XX/XX/2020 at XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX ), XXXX ( XX/XX/2020 at XXXX XXXX  ), XXXX ( XX/XX/2020 at XXXX XXXX ) who have each replied with various follow up questions. Some including requests for specific amounts and dates of fraudulent transactions are not answerable as I do not have access to the account. I have not had sustained correspondence with a single person at Cash App as a different person replies to each email I send. I have uploaded photographs of the physical card with the account numbers, expirations dates, and security codes. As Cash App does not have a live customer service line, I have not had any success in reaching a live representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
This company has failed to remove the late payments from my credit file after stating they would!!! Fix NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
Bull City Financial has posted a number of inaccurate collection items on my credit reports. This collector has not made any effort to contact me nor have I received any correspondence from the collector regarding the stated debt owed. No information has been sent or provided by the medical provider either. I'm fairly confident this is breaching at least several financial standards and/or regulations designed to provide fairness and protection from such activities. Further, the debt was submitted to the State of Virginia and has been added to my tax liabilities for the last three years. Several thousand dollars has been deducted from my VA tax refunds and goes somewhere. Once again, I absolutely have no knowledge or information outside of the name of the provider - XXXX XXXX XXXX  XXXX XXXX or the debt collector mentioned here. Have disputed information added by Bull City Financial on a number of occasions with all three credit agencies, but the Credit Agencies keep reposting the collection items in favor of Bull City Financials. How is this a fair practice in relation to the consumer? I was never provided an opportunity to dispute nor request any information regarding any debts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capital Accounts, LLC
State: IL

Complaint narrative:
I have been disputing the account with Capital Accounts for some time now, as it is an old debt and is incorrectly reported on my credit report and has affected my credit rating in a negative way. I have requested more than 7 times, documents reflecting my original signature for each procedure performed, agreeing to the procedure and the costs, as I do not agree with amount owed. The company has not supplied me with the documents I requested, which I am entitled to by law, and has failed to validate the debt. As a result I have sent a Cease and Resist letter to Capital Accounts refraining them from further collection activity although this request was ignored like all previous requests. Capital Accounts has failed to supply me with the necessary documents to validate the debt, and at the same time has also refused to remove the account from my credit report which has only caused further damage to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
This company is continuously reporting this invalidated debt to my credit report. It does not belong to me. I have never received any written notification ever about this supposed debt. I have never been given a chance to validate this debt because I never receive any notification besides an alert on my credit report. This does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In XXXX of XXXX, I rented a car from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. They rented me a severely damaged car. Before I returned the car, they charged my Wells Fargo credit card for damages. Then they stated I caused the damage, even though it was damaged when I rented it. They charge me before they even saw the returned car. This is a scam run by the rental car company. 

My Wells Fargo credit card has fraud protection. I disputed the charges. They person I spoke to at Wells Fargo in the dispute department agreed that it was fraudulent. The charges were refunded. In XXXX of XXXX, I closed the credit card. In XXXX of XXXX, after the card had been closed for several months, they charged my closed credit card for the amounts I was disputing. 

Posting date/charge : XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$200.00} I have attached my most recent statement showing the credit card is closed and transaction history showing the charges.

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 2020-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have notified all 3 credit bureaus that I am a victim of identity theft. XXXX  and XXXX have been very helpful and resourceful. Unfortunately Equifax has been and continues to be rude, unprofessional and no help in my time of need to resolve the issues with my credit report. I have called and kept getting transferred after transfers then the representative would drop the calls on purpose which causes me to go through the whole process all over again. The representatives are rude and unconcerned. I have sent in everything they asked for with all documents to prove Identity theft, police report information, FTC report, multiple copies of my ID, and Social security card. Just for them to say they can help fix my issues on the report of fraudulent inquiries. I have reached out to the companies they said to resolved with the credit bureaus which I XXXX  and XXXX have been excellent about resolving but Equifax have been flat out difficult, rude, unprofessional, and unwilling able to help during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: AZ

Complaint narrative:
I had spoken with the company in XXXX and we had a verbal agreement in which I was told I would be eligible for covid relief for XXXX, XXXX, and XXXX with payments restarting in XXXX. I was also told multiple times I would be sent documents to sign but never received them over the course of the covid relief period. I followed up with the company on the progress of the documents being sent to me multiple times and was always assured they would be sent to me yet never received them. While all this was going, I was told to ignore and disregard their automated calls about making my payments and I was assured I would be fine because of the covid relief program. I reached out to the company earlier this month to find out when my payment due date would be and when payments would resume and to my surprise I was told my account is now in collections and theres nothing they can do for me! Unethical practices to the fullest! I am so extremely frustrated because I never wanted a negative account on my credit and I was absolutely lied to about what I was apparently eligible for. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
This was apartment rent that was owed during the COVID-19 Cares Act Period. But several items above that. 

1. Unit was not placed on market per lease agreement ( EARLY TERMINATION OPTION. Unit took 16 days after notice was placed to market on site or in person. 

2. Cares ACt was in place.

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 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp
State: FL

Complaint narrative:
STOP ALL CALLS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: International Computer Systems, Inc.
State: TX

Complaint narrative:
This company only sent me 2 letters of collection. They stated they tried to call me but they did not leave any voice mails. FCS took over my bill from XXXX and XXXX in XXXX of XXXX. They did not tell me I must make {$25.00} a month payments for them NOT to report this an as unpaid collection item on my credit report. I did contact the company in XXXX trying to settle for a lesser amount they would not accept, telling me that was insurance fraud. All this time I made {$20.00} payments each month on or about the XXXX. I have made several attempts to talk to the supervisor XXXX XXXX XXXX, she will not return my calls. My credit score took a 100 point hit. I find there way of business to be shameful. I'm a lender at a bank myself, we do not treat customers this way. Especially when they do try to pay there debts. I have rights under the fair credit reporting act, this was unfair treatment along with unfair reporting. I did tell the company in one call that I could only make the {$20.00} payment due to helping my parents, because they lost some income due to Covid-19. I am a single mom, trying to raise a daughter, pay my bills and help my parents, they should have some leniency through such a difficult financial time as we are facing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
The company failed to uphold their warranty guarantee for a defaulted product. I purchased the product on XXXX XXXX. The manufacturer has a 90 day sleep guarantee, I am unable to sleep comfortably in on the mattress due to the due to the default of the adjustable base. The company failed to compensate me for the issues that I had within the warranty guarantee. The technicians were unable to troubleshoot the issue over the phone. I spoke with both the retailer and the manufacturer, we were not able to reach an agreement. The creditor is still demanding payment on a malfunctioned product. The company has a clause for no returns, which would expose underlying issues with the product. Quality was exaggerated, both the retailer and the manufacturer failed to uphold the quality of the product.

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am very upset with Transunion. I have had over 19,000 dollars clears from my collections and student loans but yet my score keeps decreasing. No matter what I do they will not increase it and its changed over 80 points lower in 3 months. I know I am in good atandjng with my creditors and trans union told me I need to pay everything off on my report in order to increase my score. Thats crazy then why would anumykns try to repair their credit. I cant get anything accomplished since I have tried so hard to help the situation only to be in worse shape than before.

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
Everything happened today on XX/XX/28 I applied for a credit card through XXXX for a XXXX XXXX XXXX XXXX. The application was forwarded to the First National bank of Omaha. This application was denied. 

However Upon calling said creditor, they said there was absolutely no way they would send a credit report to me. They insisted they can send a denial letter but will not send out a credit report. 

I informed them of their obligation under the fair credit reporting act that they must send a credit report upon denial and request. They simply declined to send this report. 

I informed them next that I would file this report to the CFPB and the Nebraska attorney general to which they basically laughed. 

I spoke with a XXXX who refused to also give out their last name. This started to sound very shady. 

Their phone number is XXXX and the extension I was given is XXXX for XXXX who wont give out their last name for one reason or another.

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 2020-10-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 or XX/XX/2020, I went to the XXXX car lot located on XXXX XXXX XXXX TX XXXX in XXXX Tx with my girlfriend wanting to get estimates on what it would take to purchase a truck with them. We were working with a new sales agent who told us that we could get purchase estimates without having to pull our credit. We said ok cool. She went to speak with her XXXX XXXX whom then came over and told us that they need to pull our credit to get the best estimates for us. We specifically told XXXX that if we were to finance, we would finance through XXXX XXXX  or XXXX. We specifically asked that they only run our credit through XXXX. We also specifically asked and verified that there would only be 1 inquiry placed on my credit report. XXXX told us that yes it would only be 1 inquiry. As they went to run my credit, I received notifications from my credit monitoring service saying that my credit has been pulled several times from companies that we never authorized. Not 1 of the inquiries was for XXXX. All of the inquiries were from other unauthorized companies. We never authorized these companies to obtain a copy of my credit report. The unauthorized companies are XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They apologized for the mistake and basically told us there was nothing they can do. We requested something in writing stating that we did not authorize those inquiries and that it was a mistake on their end but they would not provide that. I would like for these unauthorized inquiries to be removed from my credit report immediately.

Company response to consumer: Closed with explanation