vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of an online rental scam. I was wondering if you can please assist in accessing the information including finding out the tracing the funds to the XXXX number, I was interested in an apartment ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) on XXXX in XXXX, XXXX XXXX XXXX with a XX/XX/2020 start date. I reached out to the owner ( XXXX XXXX XXXX ) via XXXX XXXX XXXX. Due to covid, the owner introduced himself and said he is unable to show the apartment in person. He mentioned he is currently in California and is renting out the place in XXXX. Due to covid, most sellers have been reluctant to show the apartment in person, so I can understand why. After several phone conversations ( XXXX - a XXXX  number ), he said that I can see the apartment once I put down the security deposit of {$900.00}, which was refundable if I do not like the apartment. 

I spoke to the owner on the phone asking detailed questions about the property. I went to see the outside of the property to make sure the description matches his listing. He had promised that as soon as I sent the payment, he would send the key via XXXX overnight. In order to secure the apartment, I ultimately paid the {$900.00} via XXXX at XXXX on XX/XX/2020. He noted that this was his late wife 's account. 

I had requested a tracking number, picture of contents of the envelope, and a photo ID. It's been over 24 hours. He has not provided any of these items. I never received the keys. I requested my deposit back, but I haven't heard from him. 

On XX/XX/XXXX XXXX, I called Chase and XXXX. Both refused to get involved without an official police report. Both banks have full details of the transaction, but would not act on it without a police report / local law enforcement involvement. Police precinct # XXXX in XXXX refused to file for a civil matter. Can you please help trace the funds at Chase and XXXX so I can recuperate the money back? I can provide all transaction details. Chase 's claims department is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: AR

Complaint narrative:
On XXXX I mailed out 3 separate dispute letters including an identity theft affidavit to XXXX, XXXX, and Experian. It has been over 30 days I haven't received any correspondence from neither of the credit bureaus regarding my dispute. As per the Fair Credit Reporting Act 15 U.S. Code 1681i no reasonable investigation has been conducted due to the  inaccurate fraudulent information appearing on my credit file neither Prompt notice of dispute to furnisher of information before the expiration of the 5 business day period on the date it was received. The bureaus continuously violate my consumer rights by reporting inaccurate fraudulent information on my credit file and must be held accountable. XXXX, US Dept of Education, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.

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 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Step 1 : What is this complaint about? 

Experian will not let me complete a tenant credit and background check for my landlord that I need to secure housing. I have called them and it is impossible to find a human to explain the situation to. None of their menu options have helped this problem. 

Step 2 : What type of problem are you having? 

https : //connect.experian.com/tenant-screening/tenant-credit-check.html Experian does not let me complete this form that I need to secure housing. They are inaccessible via phone and email. This opacity is unacceptable. I need to speak to a human to fix these problems but none are available to speak to. 

Step 3 : What happened? 

I froze my credit with all three credit bureaus after the data leak years ago in XXXX. Months ago, I unfroze my credit with XXXX  and XXXX  online. This process was easy and painless. Experian required me to send information to them via mail to verify my identity. I did this, and never heard back from them. I am not sure whether my credit is still frozen with them and I have no way of checking. I am unable to secure housing for myself because of this. The opacity of this company is preventing me from solving the problem. I need to speak to a human representative at Experian to solve the issue and none are available. I have tried for many hours. 

Step 4 : What company is this complaint about? 

Experian Step 5 : Who are the people involved? 

My prospective landlord, me, and Experian.

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 2020-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I FILED A DISPUTE WITH TRANSUNION XX/XX/2020 AND XX/XX/2020 THEY FAILED TO REPLY

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 2020-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Trying to link my bank account to the XXXX app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The information contained in my credit file for XXXX is incorrect. The account number being reported in my file for a XXXX account is incorrect. On my credit report it is showing a that I had XXXX as the servicer of my student loan for years when this is not the case. I only had a loan with XXXX from XX/XX/2016 to XX/XX/2016. Also, XXXX is reporting late payments for months my loans were in deferment. By law you have a duty to properly reflect these payments correctly. Loans in federal deferment should not be reported as late per the FCRA. The balance in the file is also incorrect. This is not the correct balance for the loan. The loan was also pain in full and this is not reflected in the report at all. Attached is a copy of the innacurate credit report. There is no excuse not to fix this and remove it.

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 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services
State: GA

Complaint narrative:
The information contained in my credit file for XXXX is incorrect. The account number being reported in my file for a XXXX account is incorrect. On my credit report it is showing a that I had XXXX as the servicer of my student loan for years when this is not the case. I only had a loan with XXXX from XX/XX/2016 to XX/XX/2016. Also, XXXX is reporting late payments for months my loans were in deferment. By law you have a duty to properly reflect these payments correctly. Loans in federal deferment should not be reported as late per the FCRA. The balance in the file is also incorrect. This is not the correct balance for the loan. The loan was also pain in full and this is not reflected in the report at all. Attached is a copy of the innacurate credit report. There is no excuse not to fix this and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$990.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$990.00} After having realized that my debit card was lost on XXXX, I have noticed 4 transactions that were placed without my authorization or consent. The transactions were placed on the dates and times listed above. I have immediately reported the card stolen and have disputed the above transactions as fraudulent. The Bank has failed to notify me in a timely manner regarding the fraud, although the account displays a pattern of large transactions within a 27 hour time frame. The XXXX XXXX did not place a security freeze on my debit card within the time that the transactions were placed, which allowed for the approval of 4 identical large transactions to acquire successful authorizations.

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 2020-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: MA

Complaint narrative:
This is a pick a pay loan that was found by the courts to be illegal. Tried to get a loan mod since XXXX .sn.servicing sent me loan mod packet .then said we owe to much to quality. Its not my fault XXXX XXXX dragged there feet for 11 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was made aware by a Capital One fraud alert that there were some suspicious activity. I further need my account and realized that someone made unauthorized transactions and withdrawals. I immediately called Capital One to dispute the transactions. They then canceled the current debit card and reissued another debit card. However, I was never in possession of any debit card from Capital One because someone was stealing the mail at our residence and had intercepted the mail before I could get it. This also occurred for the replacement debit card. It was intercepted and subsequently withdrew more money and made more transactions on my account. As previously before, I was not aware until I received an alert and I then called into Capital One. Capital One decided to freeze my account and I went in and changed my password because my password had been compromised. Capital One then performed an investigation and determined that all the doodled transactions were authorized and no error occurred. They also decided to close my account and relinquish our relationship and informed me that I would not be able to open a checking or money market account with them in the future. They also told me that if I wanted any information regarding the investigation, that I would have to contact the police and they subpoena the bank to give the information. At no time was I asked to complete an affidavit or sworn statement to confirm that those transactions were unauthorized. I had to call Capital One to find out that the transactions weren't going to be reversed. I was unjustly, unfairly treated by Capital One and wasn't my money back. I've also had two credit cards that I possess with them for a few years and never had any fraud activity going on with those accounts. Why would I start work a checking account containing my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XXXX I mailed out 3 separate dispute letters including an identity theft affidavit to Transunion, XXXX, and XXXX. It has been over 30 days I haven't received any correspondence from neither of the credit bureaus regarding my dispute. As per the Fair Credit Reporting Act 15 U.S. Code 1681i no reasonable investigation has been conducted due to the inaccurate fraudulent information appearing on my credit file neither Prompt notice of dispute to furnisher of information before the expiration of the 5 business day period on the date it was received. The bureaus continuously violate my consumer rights by reporting inaccurate fraudulent information on my credit file and must be held accountable. XXXX, US Dept of Education, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.

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 2020-06-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
On XXXX I mailed out 3 separate dispute letters including an identity theft affidavit to XXXX, Equifax, and XXXX. It has been over 30 days I haven't received any correspondence from neither of the credit bureaus regarding my dispute. As per the Fair Credit Reporting Act 15 U.S. Code 1681i no reasonable investigation has been conducted due to the  inaccurate fraudulent information appearing on my credit file neither Prompt notice of dispute to furnisher of information before the expiration of the 5 business day period on the date it was received. The bureaus continuously violate my consumer rights by reporting inaccurate fraudulent information on my credit file and must be held accountable. XXXX, US Dept of Education, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: FL

Complaint narrative:
I applied for a secured credit card ... i was approved ... .but i can not make a payment to fund the account ... .the amount was for XXXX dollars, ... ..the company never answers the phone with a live operator ... .wont accept ach deposit to fund the account ... .wont accept payment from a debit or credit card ... ..and no way no shape can i fund it as to no fault of mine ... .now the credit card company is reporting this account on my credit report and soon its gon na show i m late but i m not they wont let me fund it no matter how many ways i try to get the account funded ... ... please help i dont wont a bad mark on my credit report cause the arent letting any make any payment be posted to open the account but the account says there is XXXX available to purchase but when i tried to use it, even though i havent funded because of them it says user not authorized.. dont know what that means and cant find out any thing from calling credit card company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has stated I owe them money. I used them for 1 month and paid for the month. I did not like their service and was supposed to get a refund for the month, but instead they billed me, and have continued to bill me for the last 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: CA

Complaint narrative:
My name is XXXX XXXX and my ssn is XXXX I have been reporting to capital one identify theft in XXXX when I was in XXXX a credit card in the amount of XXXX whats opened and I have been disputing its currently in collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Army and Air Force Exchange Service
State: NY

Complaint narrative:
I am a XXXX in the XXXX XXXX, and applied for an Army & Air Force Exchange credit card ( Military Star Card ) inXX/XX/XXXX. Due to bureaucratic issues beyond my control, the physical card itself didn't reach me in the mail, ( I was able to use it for purchases through a temporary print-out number, ) nor did any statements/bills. 

Due to this, I had a one-time missed payment, ( again, I wasn't receiving notice of it, ) and I did pay the full balance off on XX/XX/2019. I now have maintained a balance of {$0.00} on that card since then. 

I still see that this missed payment is on my credit report, bringing my on-time payments from 100 % to 99 %.

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 2020-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I signed up for the payment assistance through Chase and was told that there wouldn't be any fees or interest on the account during this time. When I looked at my statements I see that they have been charging interest these past 3 months. I called and offered to pay off the account and was told they wouldn't remove the interest. I believe they are giving false information to clients and then sticking them with high interest fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-21 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: CITIBANK, N.A.
State: RI

Complaint narrative:
I ordered an item online for a friend from homedepot.com which was either stolen or otherwise lost when delivered. I contacted Homedepot.com, Homedepot Citi Credit Card Services and XXXX XXXX to help me resolve the issue and they all have refused to refund or replace the item that they were responsible for. All theyve done is open investigation cases which were bias. XXXX  XXXX  had either left the item at the front door of a busy street causing it to be stolen or delivered it to the wrong address and refuse to take responsibility for it. Homedepot Citi Credit Card Services and  Homedepot.com are still charging me for an item I never received and have even called me a thief on paper, which is clear that they didnt do any real investigation.

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 2020-06-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Joint CD matured on XX/XX/XXXX. Both account holders have contacted the bank multiple times since then and spoken to multiple Customer Service Representatives, however, we have still not received our funds. We also approached the Comptroller 's office but still have not received our funds. 

XX/XX/XXXX - in-app message sent to not renew CD and to disburse funds to savings account upon maturity. 
XXXX XXXX spoke on the phone to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX received message from Product Support Operations Specialist II XXXX 14 days post maturity, 5 CSR communication and a complaint with the OOC, our funds are still not disbursed. The bank is using the current pandemic as an excuse to hoard our hard earned savings and not release the funds immediately. 

Each time we were told that it would take 3-5 business days. XXXX even stated that she could not really specify when it would be disbursed. XXXX, via the app message has now increased the number of days to 5-7 business days. 

During this challenging time, the people at Comenity XXXX XXXX are giving us more stress. 

FDIC had directed us to your office. If CFPB can resolve this issue, we will appreciate.. 

A copy of our correspondence with the Comptrollers office both from the 16th and today XXXX XXXX, is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/20 I was trying to obtain a free credit report through Transunion. When you attempt to do so, account creation etc is mandatory and you are easily tricked into providing your credit card and paying for something. After receiving a {$21.00} charge for services I didn't want I still couldn't receive a credit report. The only way to cancel services and request a refund is to call them, which I have during the times they are listed and the number provided simply states they are closed and call back later. 

Having my identity stolen was extremely painful. All three credit bureaus make it impossible to resolve online or on a phone and only try to make money off you. Every time I had to result to mailing in letters and statements.

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