vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Did not receive Chase {$900.00} Bonus for opening new Checking + Savings accounts. 

Terms : Chase is offering a checking & savings bonus worth up to {$900.00} * Receive a bonus of {$300.00} when you open a Chase Total checking account and have a direct deposit post to the account within 90 days. 
* Receive a bonus of {$200.00} when you open a Chase savings account and deposit {$15000.00} or more in new money within 30 days and maintain a balance of {$15000.00} for 90 days. 
* Receive an extra {$400.00} bonus when you complete both of the above bonuses. 

XX/XX/2023 - Opened Chase Total Checking and Savings accounts XX/XX/2023 - Deposit {$15000.00} into Savings account XX/XX/2023 - Direct Deposited {$100.00} into Checking account Never received any bonus. 

Called Chase customer service and provided coupon code " XXXX XXXX XXXX XXXX '', but was told the coupon code had expired. 

A case was opened by Chase customer service, but never got a reply. 
Chase Case number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: WA

Complaint narrative:
This account says its closed & been closed for months. This account is affecting my credit negatively. This account is closed & has been closed for a while now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Greetings, my name is XXXX XXXX XXXX XXXX XXXX, and I am consumer of the age of XXXX. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Credit Reporting Agencies ( CRA ) TransUnion, XXXX, and XXXX under 15 USC 1691 ( a ) ( 3 ), assumed this role without permission not only that, they did not have my consent. CRAs did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). CRAs did not exercise their grave responsibility, they were unfair, they were partial. Im doing this due to the fact that because of the actions of these CRAs, I am unable to buy cars, houses, or anything in general that a consumer needs to survive in the United States. CRAs never had a permissible purpose under 15 USC 1681 b ( 2 ). I never instructed CRAs to furnish this report and I never consented to this report in the first place. What I am demanding right now is that CRAs deletes all accounts that are reporting and all hard and soft inquiries, that are hindering and discriminating me, whenever I try to purchase or receive credit for consumer purposes only. If any further information to be required to further support my claim, you can reach out to me by phone ( XXXX ) XXXX or by email ( XXXX ). 
Thank you for your time. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My XXXX loan was opened in XXXX my credit reports list the loan was acquired in XXXX. I finished XXXX XX/XX/XXXX. All XXXX agencies keep replying that the information is correct. It is Not

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My XXXX loan was opened in XXXX my credit reports list the loan was acquired in XXXX. I finished XXXX XX/XX/XXXX. All XXXX agencies keep replying that the information is correct. It is Not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
I was charged for the attorney and recording fee on XX/XX/2023 as shown on the statement dated on XX/XX/2023 ( see statement ). I have filed a complaint previously to CFPB regarding the foreclosure proceeding by Service Mac prior to the deadline of the document submission on XX/XX/2023 ( see attached letter dated on XX/XX/2023 ) and the foreclosure was suspended on XX/XX/2023 due to the completion of the loss mitigation package ( see letter dated on XX/XX/2023 ). The mortgage forbearance was approved on XX/XX/2023 ( see letter of mortgage forbearance approval ). Therefore, the attorney and recording fee should not charged to me due to foreclosure proceeding activation prior to the deadline of the document submission and foreclosure protection after foreclosure suspension.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a joint account with my fianc with her being the primary on the account. The account was through. XXXX XXXX XXXX, for whatever reason was closed and charged off and sent to selip & stylianou llp. We made payment agreement with them and have paid off the entire balance. Shortly after we received another letter stating that we owed another {$2000.00} for court costs. This never went to court, which is why we made the agreement. The accounts have not been updated to paid in full on credit reports causing us to not be able to buy a house. The additional {$2000.00} ( supposed court fees ) was not agreed upon, nor was it stated we had to pay this. The XXXX people i spoke to at this law firm were extremely rude, and refused to speak to me about the account even though i am joint on the account, but happens to be only in my fiancs name. We would like this to be updated and closed.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Attached are the documents for your review. I request the bureau to initiate an investigation into accounts where I have consistently been on time but are inaccurately reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Inaccurate Credit Reporting ( 15 USC 16812 ) I am writing the letter to inform you that I have notified the credt bureau of misreporting by your company in accordance with the Fair Credit Reporting Act. Accoring to which, as the furnither of the aiormation in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$23000.00} XXXX : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$850.00} XXXX : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$2000.00} XXXX : {$2000.00} XXXX : {$2000.00} When it is my understanding a reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing amounts of The following account XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$23000.00} XXXX : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$850.00} XXXX : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$2000.00} XXXX : {$2000.00} XXXX : {$2000.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. 

Especially with the actual knowledge notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the summary of my name, my tin, the date, and the amount of the discharged/charged off debt as prescribed by the secretary. Then I demand that the account be removed from my credit report asap.

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 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
A wire IRS transfer through the XXXX XXXX XXXX XXXX was sent to my business account PNC Bank. I attempted to do two wire transfers. One went thru for {$23000.00} the other did not. This transaction took place on XX/XX/2023 and before close at the end of day PNC had suspended our account. Today is XX/XX/XXXX and we have not heard anything from them in reference to our account. We contacted the XXXXXXXX XXXX XXXX and received the tracking # for the transfer # XXXX and we were also told based on their system that the money has cleared and the funds ate available with PNC in our account. This is week 3 and no one will contact us or give us any information as to why they will not release our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
So basically XXXX XX/XX/XXXX at around XXXX am, I attempt to withdraw XXXX dollars from cashapp at an ATM inside of a drugstore. And oddly enough the ATM says i have insufficient funds, so i try and open up cash app on my phone, but its randomly deleted. So i redownload the app and my balance is at {$00.00}, i check my transactions and it says at XXXX XXXX a payment of {$150.00} dollars was made to a account named XXXX XXXX XXXX I contacted them several times trying to resolve the issue and was told a dispute has been issued, But then was told the very next day ( today ) that this dispute has been denied. I've contacted cashapp support several times requesting an explanation but always am told I will receive an email containing documentation but never receive anything. I am pretty much being told everything at this point that doesn't reguard why my dispute has been denied. Cashapp has failed me miserably .please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I have communicated with my loan servicer regarding my CARES Act forbearance for my VA loan. However, PennyMac is not offering me the loss mitigation solutions for the missed payments to VA mortgage borrowers under the COVID-19 CARES Act protections. 

PennyMac Communication Log : 1, XX/XX/XXXX : Customer Service Outcome : Advised of new increased payment plan 2, XX/XX/XXXX : Partial Claim Rep. 
Outcome : 1 payment plan offered, advised that the VA Partial Claim option it not available to me. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
I have been working with the Zell fraud department regarding some fraudulent activity on my account. I have never authorize Zelle to take any money from my account, but in working with the Zelle department to stop fraud on my account, they said, due to a quirk in their systems it accidentally XXXX money from my account repeatedly when it was not supposed to, and now they are claiming that they are not able to return the money for a bunch of reasons, and are keeping demanding that I follow their protocols which had yet to refund me any money I have lost over {$15000.00} and time at work over this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: UPGRADE, INC.
State: FL

Complaint narrative:
the company closed an account that was up to date, they keep harassing me for payments. i do not have a payment plan with them. they are not negotiable. they forced payments through my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I found fraudulent unauthorized activity to my Chase checking account. I reported it to their claims department. They refunded 2 of the charges but did not refuse the largest and most recent charge saying it was past the 60 day limit of initial fraud activity. The web is of the unauthorized charges is the same of each charge and is from a XXXX user web id. The most recent {$410.00} charge was XX/XX/XXXX. They said they will not refund this m, though it is fraudulent activity, and the refunded the other 2 from the same XXXX use web id. I called XXXX and they shut down my account due to fraud and told me I had a XXXX balance anyway. I do not use XXXX, though I have an account. XXXX told me it was chases responsibility to help me get my money back. Chase said it was XXXX responsibility. I have not gotten my {$410.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I spoke with Transunion on XX/XX/XXXX about information on my credit report in regards to inquiries. There were some that I did not authorize. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I asked them to please delete the inquiries and they told me I need to file a complaint here in order to get them deleted from my credit file.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The attached documents highlight my concern. I ask the bureau to launch an investigation into accounts where my timely payments are incorrectly recorded as late.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Yamaha Motor Finance Corporation USA
State: TX

Complaint narrative:
I Purchased a motorcycle from Yamaha Motor Finance. The account information was put in my husband 's email and phone number so I could not access the account. My husband died on the motorcycle XX/XX/2023. The insurance company sent multiple checks to Yamaha Motor Finance to pay for the motorcycle as it was totaled. Yamaha motor finance lost the checks and waited months to apply them to my account. Upon inquiring with their customer service, they had no idea who sent the checks, and they weren't accounted for on my account. Multiple service representatives hung up on me during my time of grief when I tried to explain my case. I was led to believe no one was qualified to update the late payments to reflect as accurate information on my consumer report. Still to this day after multiple attempts the company refuses to hear my case or transfer me to someone who can help. Also, the company refuses to disclose names of supervisors they are correlating with while as I'm on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XX/XX/XXXX I closed my Wayfair account. Wayfair acknowledged this by letter. Please see attached document. In Wayfairs XX/XX/XXXX letter to me they said, You have been unsubscribed from all marketing communications and your account removed. 
On XX/XX/XXXX I received a promotional offer from Wayfair. Please see attached document referencing my closed account. I wrote Wayfair about the offer and questioned them as to why I had received it. Please see my attached letter dated XX/XX/XXXX. 
On XX/XX/XXXX I received a reply to my XXXX XXXX letter in which Wayfair states : In order to assist you or to complete the processing of your request, we need to speak with you at your earliest convenience. I am uncomfortable with Wayfairs request, as I am sure they will want personal information that I will not provide to them. I do not trust Wayfair due to their past affiliation with 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 non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: GA

Complaint narrative:
I've filed a complaint on XX/XX/XXXX with CFPB with not being able to access funds on this prepaid gift card I purchased. I received a response from someone named XXXX, see attached letter. On XX/XX/XXXX I reached out again to rectify the issue I was told again to fax my personal information to a number they provided. I did and waited a week to follow up. Of course the fax number was down during that period and I was asked to fax to another number on XX/XX/XXXX. I was told by a supervisor named XXXX that I would need to wait another XXXX  days to make sure they receive the fax. This is beyond ridiculous to wait that long to verify a fax and even worst to go through this to retrieve my money because of some " suspected fraud '' on a card that was working.

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 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America, with the help of " XXXX XXXX XXXX '' has arbitrarily and capriciously denied me a simple bank account for my brand new company, which has no adverse credit history or anything. This is in effect an outright ban or boycott of me and my ability to have a bank account in the United States of America. Dangerous slippery slope for all, indeed. Please investigate and advise.

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