vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I opened a Chase checking and savings account on XX/XX/19 for a {$600.00} bonus. {$300.00} of the bonus was for making a direct deposit to the checking account. {$200.00} of the bonus was for maintaining a balance of {$200.00} in the savings account for 90 days. {$100.00} of the bonus was for doing both of these. 

I made a direct deposit to the checking and was awarded the {$300.00}. After receiving the bonus, Chase randomly closed the account without my consent. I maintained a balance of over {$15000.00} in my savings account for the 90 days and was awarded {$200.00}. I received {$500.00} of the {$600.00}, but the {$100.00} bonus for completing both requirements was declined because of my checking account being closed. I did not close the checking account. Chase closed the checking account. 

I called Chase and tried to work with them. The representative I talked with asked a supervisor to credit my savings account the {$100.00} because Chase was the one that closed my checking, but the request was declined. I think this is a shady business practice to close an account for a customer that was following requirements and doing nothing wrong, and also to decline the bonus later on. I'm not impressed with how this was handled by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed e. couple of items that are not mine on my credit report. I have contact the FTC and the police here. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Im dong this on my own behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: VA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed e. couple of items that are not mine on my credit report. I have contact the FTC and the police here. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Im dong this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
Company does not make available the vehicle title for transfer at time of payoff thereby requiring both parties to maintain insurance on said vehicle whilst company takes 2 weeks to produce title. I have proof of lost potential buyers because of this practice. Company claims they don't have titles because " they could get lost ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX,2018 withdrawn {$3000.00} I dont know who withdrawn

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
Experian in conjunction with XXXX XXXX XXXX XXXX conducted and completed an investigation into my XXXX XXXX Credit Account without informing me. According to a supervisor at Experian a hand written letter of mine along with a CFPB complaint against XXXX XXXX XXXX, XXXX was submitted which in turn started another investigation into my accounts. Neither Experian or XXXX XXXX notified me of this complaint, neither provided the basis for the investigation and neither notified with the results. Experian failed to assist me ( XXXX and XXXX ) with any type of relief with respect to the continued unlawful access, request for, the receipt of as well as conducting investigations by " imposters/identity thieves '' which has led to the ongoing " global '' activity fraudulent credit card imposters/identity thieves The month : XXXX to current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: LA

Complaint narrative:
XX/XX/2019 I received four calls from Conn 's homeplus I gave them XXXX dollars out of XXXX that I originally supposed to pay onXX/XX/2019 they called I told them that I was gon na try getting the rest which is XXXX they call four times that same day XX/XX/2019 they called four time   XX/XX/2019 they called four times XX/XX/2019 they called four times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EXCEL FINANCE COMPANY
State: LA

Complaint narrative:
I already had issues with this company coming on my job and attempting to collect a debt I front of everyone including customers and threatening me and calling multiple times after being asked not to call ... threatening me with law suit on my job where customers and other employees could here my personal information..now they have did 2 hard hit inquires on my credit report without my knowledge or permission once in XX/XX/2019 and again on XX/XX/2019.. they are continuing to violate my rights and I want these hard hit inquires removed because I did not authorize them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Kohl 's Charge Customer Service unable to solve a problem that was caused by them. Promised over and over again to remove a duplicate fraud charge made by one of their representatives for an item that was never sent to me and I was charged already a year earlier. - Endless calls and hours and hours of explaining this issue over and over again yielded nothing. 

Below is a fraud charge that I asked them to dispute over and over again - they failed to dispute it and treated me with disrespect over and over again. They admitted over and over again this was a duplicate charge that was never supposed to be charged to my credit card store account with them. MY ACCOUNT IS SUPPOSED TO have a balance of {$0.00}!! Kohl 's store card refused to provide any customer service. I called them 12 times about this issue, each and every time they agreed to solve it immediately, never happened. They do not obey the law, any credit card customers beware! 

XX/XX/19 ECOMMERCE # XXXX {$66.00} ( FRAUD TRANSACTION BY A KOHL 'S REPRESENTATIVE THAT LED TO ALL FURTHER ISSUES DOWN THE LINE : XX/XX/19 XX/XX/19 LATE FEE {$27.00} XX/XX/19 XX/XX/19 REFUND OF LATE FEES $ XXXX XX/XX/19 XX/XX/19 *INTEREST CHARGE* PURCHASES REFUND $ XXXX XX/XX/19 XX/XX/19 *INTEREST CHARGE* PREV CYCLE PURCHASES $ XXXX XX/XX/19 XX/XX/19 *FINANCE CHG* DISPUTE ADJ PURCHASES $ XXXX XX/XX/19 XX/XX/19 DISPUTE ITEM ADJ LATE FEE $ XXXX XX/XX/19 XX/XX/19 *FINANCE CHG* DISPUTE ADJ PURCHASES {$2.00} XX/XX/19 XX/XX/19 DISPUTE ITEM ADJ LATE FEE {$38.00} XX/XX/19 XX/XX/19 INTEREST CHARGE ON PURCHASES {$2.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer Report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
XXXX XXXX  issued an intensely high and very aggressive loan for a XXXX college- XXXX XXXX  XXXX college XXXX XX/XX/XXXX to myself. All portions of the loan were not discussed nor did I sign any type of promissory note. The loan application indicates they provide quarterly interest statements. 

In XXXX I began receiving calls from a loan company called Navient stating i had to pay back over XXXX dollars and my payments would only cover my interest. 

Upon further investigation I found that the loan that was dispersed to me personally was in fact a private loan that had been misrepresented to me by the school and XXXX XXXX. 

I have tried to work with the Navient company and they refuse to work with me in reducing this debt and also discussing why 10 years this loan was allowed to accumulate interest with no communication with the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
Sir/Ma'am, We purchased a XXXX hot tub from Mattress Firm at the XXXX XXXX County Fair on XX/XX/XXXX. It was delivered on XX/XX/XXXX with no plug, the wrong electrical configuration, and the wrong color. We annotated on the delivery slip and by contacting our salesperson. On XX/XX/XXXX XXXX was contacted regarding no plug ( making hot tub non working ) and the wrong color. Our salesperson XXXX offered a {$500.00} discount for the wrong color but later responded she " got an error message '' when trying to add the discount. Not until XX/XX/XXXX did XXXX arrange to have an electrical kit sent to our home. Once we received the kit we arranged to have a technician to come to our home and convert the tub to plug into the 110v standard home outlet as we ordered. On XX/XX/XXXX and XX/XX/XXXX I emailed the Mattress Firm sales representatives XXXX XXXX and XXXX XXXX regarding late and delinquent payments reported to credit bureaus to see if they could help resolve the issue- we did not pay because we did not and still do not have the tub we ordered or the {$500.00} discount offered by XXXX . Neither responded. On XX/XX/XXXX I contacted the XXXX representative XXXX XXXX and CC 'd XXXX, XXXX, and their boss asking if she could contact them or get us a way to contact them. XXXX from XXXX responded she was done with our order ( since hot tub was now funtional ) and that she had contacted Mattress Firm previously about contacting us- they never did despite her claim of asking them to contact us  and address our concerns and my email asking her for help in which I CC 'd all three Mattress Firm representatives. 
I attempted to call Synchrony Financial and was basically told to pay our bill sometime in XXXX or XXXX and today XXXX the agent at XXXX ( sounded XXXX ) stated no supervisor would accept my call unless my account was current! I asked again and again was told no supervisor would accept my call until I paid my delinquent account. I responded that that seemed criminal that the creditor did not want to talk. I have attached/uploaded a summation with supporting documents and the response from the letter I sent to Synchrony Networks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I signed up for the Bank of America XXXX XXXX Credit Card, first payment was in XX/XX/2019 and setup my auto-pay after that. Even then they charged me a {$25.00} late fee because it took more than 1 billing cycle to kick in. 

All other credit cards I have allow 2 options for Auto-Pay : 1. Minimum Payment 2. Statement Balance Bank of America has a 3rd option which is worded to appear as if its paying your balance but in reality its not : 3. Amount Due This checkbox is somewhere between Minimum Balance and Statement Balance BUT they dont pay the amount due, they only pay Minimum Balance plus any fees and then hit you with interest, keeping your balance going forward just like a minimum balance would do ... 

Im reporting this because I set my card and left it, thinking it was on auto-pay ( like all my other cards ) and three months later I just so happened to check on it and I had my Balance in full, not paid but with {$300.00} in interest charges. I have 750+ credit, always pay my bills on time and feel like Ive been taken advantage of. 

Can you help me recoup these interest charges and make sure they change their practices so others dont fall into this trap? 

I recently got married and went out of the country so a lot has been on my plate and I should have been better at checking this..I know this ... but even still, this is bad business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX about EQUIFAX, INC.. XX/XX/2018 Filing a dispute had no not change nor been fix from Equifax I still cant login to do another dispute I sent documents after documents notary fax ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am a XXXX XXXX of XXXX XXXX. My now X-Husband who 2 years ago XXXX  me very bad and I had to be reloacted by XXXX XXXX XXXX. Around XX/XX/2017 I contacted Capital One Auto to pay my car note thru the phone system and I was asked to identify what account I wanted to place a payment for. I have only and always had 1 account with Capital One and it was not a credit card it was auto. I contacted Capital one numerous times but I never get anywhere but transfered from one department to the next. I sent a IDenty Theift Letter 2 months ago and they never responded. I proved that this was not my account and that my X-Husband was the person pretending to be me and I had a email from my X-Jusband that he was going to have me so far in debt and ruin my credit my name that i would have no choice but to come back and take his XXXX. 
its hard enough to find the strenth to walk away from a XXXX   relationsip to leave your home with nothing but the clothes on your back and still be XXXX not listen to because he had access to my personal information. Capital One Credit Card Company even mislead me a the end of last year when I was behind on my car note I was contacted made a p [ ayment arrgangment for the amount I was behind on on my car note but this was not my car note this was the fraudlent Capital One Credit Card ... Well I paid XXXX to what I thought was my auto loan payment but it was the credit card company and I became even more behind on my car note becasue the money went to a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
Dear Sir or Madam, My name is XXXX XXXX XXXX from XXXX, owner of XXXX XXXX XXXX XXXX a travel agency holding a membership account with Transferwise. 
Were informed about XXXX XXXX is apparently one of the Transferwise partner banks and we are contacting you for help since Transferwise staff say that the matter is beyond their control and its to be handled by their partner bank. 
On XX/XX/1919, we initiated a XXXX USD wire from our Transferwise account going out to XXXX XXXX XXXX as payment for gorilla tracking tickets for our clients. The wire was meant to take just a few hours to reach the recipients account but didnt. 
On Tuesday XX/XX/1919 afternoon, we received an emails from XXXX saying ; Hi XXXX, Im getting in touch regarding your recent transfer no. XXXX with TransferWise in the amount of XXXX USD. 
Due to our regulatory obligations as a financial institution, we sometimes require to conduct due diligence. Which means- were occasionally required to ask for additional information from our customers. 
Therefore, please reply back to this email and provide us with the following : What is the purpose of this payment? 
Please advise what XXXX in payment reference field is referring to? If it is an individual, please provide us his full name and date of birth. 
Is there any direct or indirect involvement of any prohibition countries ( XXXX XXXX, XXXX, XXXX, XXXX, and XXXX ) in this payment/transaction? 
Please note that should we not hear back from you, we will not be able to proceed with this transfer, nor will we be able to process any future transfers for you. 
Best regards, XXXX We sent all the required information ( in attachments here ) and followed up with several emails but there has been absolutely no response neither have they remitted the funds to the intended recipients account. 
And just to help you understand our company better, were a safari agency and the funds we transfer are actually not ours but were sending them out on behalf of our customers who even have no idea about Transferwise. The funds are meant for gorilla passes for our customers, some of whom are already in the country but cant see the gorillas because funds to purchase gorilla tickets are being held in Transferwise partner bank which do even understand the urgency of the transfer and the frustration this causes to customers and our agency as TW customers. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/2014 my wife and I were mugged. We were leaving the mall and a guy ran up behind us and told us to hand over all of our bags. He took my wallet, my wife 's purse, and all the shopping bags we had in our hands. We filed a police report with the mall security but because it was so long ago we can not obtain a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2014 my wife and I were mugged. We were leaving the mall and a guy ran up behind us and told us to hand over all of our bags. He took my wallet, my wife 's purse, and all the shopping bags we had in our hands. We filed a police report with the mall security but because it was so long ago we can not obtain a copy.

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