vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I closed all 3 family Chase accounts in late XXXX of 2019. I also cancelled a mortgage re-fi with Chase.  The reason was that the local branch made an error and the employees and branch manager refused to correct the error. 

Chase, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX Now, more than a year later, I am receiving emails from Chase that come from no-reply accounts, there is no online contact form, and no way to contact them via any method, because all methods require an active account and account number. 

I am also receiving phone calls from Chase employees telling me we are on a recorded line. I tell them I have no account with Chase and hang up. 

I have verified that both the emails and the calls are coming from Chase, not spammers or phishers. The IPs of the email servers belong to Chase. The phone numbers are registered with Chase.

The latest email says Chase has received my request to change my email address. I made no such request ; I have no account or profile with them. 

Either Chase is harassing me, or there's someone in Chase using previously closed accounts to commit fraud. Much like the " secret '' accounts at XXXX XXXX. 

I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony Bank decreased my credit limit with our notifying me. My credit limit was XXXX. On XX/XX/2020 I made a {$200.00} payment that left me a balance of {$650.00} with a little over {$1800.00} in available credit. On XX/XX/XXXX I login to my online account to make a early payment and noticed my available credit was - {$19.00} and my credit limit was decreased to {$640.00}. I received no notice from Synchrony that this  would happen and according to my payment history there is no way I should be in the negative. I have never missed a payment and my payment history is excellent and I have paid much higher than the monthly amount due. I really do not care if they decrease my credit limit but to do so then put me in the negative is a dissatisfaction and shows Synchrony cares nothing about their consumers. This type of mark will hit my credit report as if i have not paid on the account and that is just not true. 

Here 's is my payment history for the last six months Payments listed below have posted to your account. 
View Payment Activity for : XX/XX/2020Online Payment {$200.00} XX/XX/2020Online Payment {$200.00} XX/XX/2020 Online Payment {$200.00}XX/XX/2020 Online Payment {$200.00} XX/XX/2020 Online Payment {$170.00}XX/XX/2020 Online Payment {$170.00}XX/XX/2020 Online Payment {$100.00} XX/XX/2020

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 2020-08-10 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: CITIBANK, N.A.
State: PA

Complaint narrative:
citi credit card charging money without proper information due to an update to the security system the company change my id and password. in that instant I could not enter or look at my account. to see charges transactions. 

I called XX/XX/2020, to citi-bank credit card to solve this issue but the options the gave me were change my information or cancel i did not want to change my information so the only option they gave me was to close the account. which i accept to close the account. 

I asked for an print statement to pay any debt. As XX/XX/XXXX I have not received the statement yet. I had been calling several time to see the status or to asked for a new statement to solved this problem, unfortunately I have not being able to solved. I have an email that showed my statement debt as {$480.00} but citi representative told me I own the bank {$670.00}. 

I have to called my personal bank to stop payments to citi since citi was getting the auto-payment on XXXX even though i cancel my credit card on XXXX. I have recording of phone-calls with them where they just hang the phone. they let me hanging for 30 to 45 minutes on the phone. even the keep my thank you points I was not able to used them. 

i refuse to pay anything without a final statement that has everything writing down to pay the correct amount and refuse to pay interest due to the incompetence of the company to provide me with the information that i solicited long time ago.

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 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I don't really care if they have the right to close your account. Banks don't have a right to hold your money hostage. We the people have the right not to keep our money in their bank if that is how they feel about us! We have a right to protest against their unfairness & abusive tactics! It's our business that keeps them in business! They are only hurting themselves when they do close peoples accounts. They are also hurting me because I can not pay my bills because they don't care! they just don't care! Especially during this type of virus pandemic with usaa closing my account & not letting me have access to my money during this pandemic! I hope they XXXX XXXX   XXXX  & XXXX! Since they are trying to make me XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello and hope all is well. Thank you for taking the time to review concerns regarding student loans and credit reporting. Being a XXXX XXXX  for the XXXX XXXX XXXX XXXX since XX/XX/2015. The Department of Education has not extended the possibility of loan forgiveness. Being a dedicated employee during this unforeseen and uncertain error in time, my life is at risk daily. COVID-19 has made a major impact within our departments along with my home. My XXXX   was XXXX with the XXXX. Being considered frontline and essential, i went above and beyond the necessities with preparing XXXX for delivery. 

Also, requesting reporting on all major credit profiles. Due to the number of inaccuracies with the same account number multiple times on the report. This is an area of repetitive reporting which is compromising creditworthiness and credit scores.

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 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
This company is trying to collect {$110.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

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 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Wed called and set-up an automatic payment with a representative for a one time {$1600.00} payment. Our mortgage is usually {$1300.00}. The extra {$300.00} was a one time payment to cover escrow costs. The company accidentally withdrew two payments. One for {$1600.00} on the XXXX of XXXX, and an additional {$1300.00} on the XXXX. This overdrew our bank account. After calling freedom mortgage, a representative told us they were sorry for the mistake, and that the funds would be available next day ( XX/XX/XXXX ). After discovering our account was still negative, we called and spoke to another representative. That representative reviewed the notes and told us the first representative said to send in a bank statement before they could process the refund. We were never told that. After speaking with the second representative, we sent the statement into Freedom Mortgage. The company acknowledged receiving our bank statements and the refund would be sent within three days. After three days, we called and spoke with another representative that told us the refund would be sent to us on the XXXX of XXXX. We called back today and now were being told the XXXX. 
Were usually very easy going customers. I understand that everyone, even large companies must try to adapt to the current situation. However, there appears to be no personal accountability with the company. Our bank account has been negative for 8 days. Weve received numerous overdraft fees. This has definitely been a difficult week, and were left trying to figure out how to get caught up again financially after all of this. I want to be clear in stating, that the representatives weve spoken to in the passed two days have tried everything they can to help. Unfortunately their hands appeared to be tied. We really do appreciate you looking into this. Thanks so much.

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 2020-08-10 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: CA

Complaint narrative:
This complaint is more about what didn't happen as opposed to what happened. The bottom line is I have been disputing with the credit bureaus since XXXX and I have received no response. I know the corona virus is real but common folks. There is no way it should take 4 months to respond to me. My credit has a bunch of stuff that shouldn't be there and with credit lending real strict now a days it is affecting me greatly. If I have to, I will sue the credit bureaus. They need to fix this now and I don't want to wait another 4 months for them to investigate and send me something in the mail.

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 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: WA

Complaint narrative:
On XX/XX/XXXX New York unployment deposited almost {$11000.00} in back pay. Western Union net spend by XXXX XXXX froze my account said they needed to verify my identity. I sent in my ID my proof of address and social card .They then told me they closed my account and mailed me the check .After a week I still did not receive it .I called back they said they sent it to ny unemployment .I called ny unemployment as of today XX/XX/2020 they still have not received it. I have sent multiple emails and calls demanding to know what address it was sent to and the check number. I am told nothing. I want to know where my {$11000.00} is.

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 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I purchased shoes through cash app from company, XXXX on XX/XX/XXXX for the amount of {$210.00}. I have not my shoes. Cash app will not allow me to request money back or cancel payment. I also asked him when the shoes would be shipped when making the purchase. He told me it would be shipped the following week. I have reached out to XXXX for shoes, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On or about XXXX XX/XX/2020 I started the pre-approval process with XXXX for a mortgage however, they informed me that when they attempted to access my Equifax credit report, they received error code XXXX and advised me to contact Equifax to resolve the issue. I contacted Equifax and they were unable to verify my information and advised to fax my drivers license, social security card, most recent utility bill, and a cover letter to the following fax number : XXXX and that it would take 5-7 business days to update my information. 

On XXXX XX/XX/2020, I sent the requested documents. I waited 5 days before contacting Equifax telephonically, to verify receipt of my document. They had not received it. I contacted a representative again after 7 days from the fax date and they still had not received my documents. I faxed my documents again on XXXX XX/XX/2020. Simultaneously to sending the first fax, I also went to XXXX and attempted to create an account and received error code " NH '' upon entering my information. I attempted to enter a different variety of previous addresses, in case they didn't have the most current information on my account. Every time, I received the same error code. 

I spoke with two Equifax representatives on XXXX XXXX 2020, 10 business days after my initial fax and they still had not processed my documents nor could they provide me with any information regarding my account. They suggested I didn't have a credit history during the phone call, at which point I reviewed my lenders over the prior decade as provided from my XXXX report. I provide 4 previous addresses I'd lived at. The representatives each recommended that I fax in the documents I'd already faxed in. I informed them that I'd already done that twice. They said that they hadn't received the documents, despite confirming the number that I'd faxed them to as read off of the fax transmission verification report. 

No representative has been able to confirm what is wrong with my Equifax account or that it even exists. Equifax has failed to process my documents within the timeframe they allotted to have them processed. Equifax is preventing me from applying for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello and hope all is well. Thank you for taking the time to review concerns regarding student loans and credit reporting. Being a XXXX XXXX for the XXXX XXXX XXXX XXXX since XX/XX/2015. The Department of Education has not extended the possibility of loan forgiveness. Being a dedicated employee during this unforeseen and uncertain error in time, my life is at risk daily. COVID-19 has made a major impact within our departments along with my home. My mother was XXXX  with the XXXX  Being considered frontline and essential, i went above and beyond the necessities with preparing mail for delivery. 

Also, requesting reporting on all major credit profiles. Due to the number of inaccuracies with the same account number multiple times on the report. This is an area of repetitive reporting which is compromising creditworthiness and credit scores.

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 2020-08-10 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: PA

Complaint narrative:
Hello and hope all is well. Thank you for taking the time to review concerns regarding student loans and credit reporting. Being a XXXX XXXX for the XXXX XXXX XXXX XXXX  since XX/XX/2015. The Department of Education has not extended the possibility of loan forgiveness. Being a dedicated employee during this unforeseen and uncertain error in time, my life is at risk daily. COVID-19 has made a major impact within our departments along with my home. My XXXX  was XXXX with the XXXX. Being considered frontline and essential, i went above and beyond the necessities with preparing XXXX for delivery. 

Also, requesting reporting on all major credit profiles. Due to the number of inaccuracies with the same account number multiple times on the report. This is an area of repetitive reporting which is compromising creditworthiness and credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a personal check from my brother into my checking account using the ATM on XX/XX/20. The receipt said that the funds would be held until XX/XX/20. When I checked my account online, it said the hold was in place until XX/XX/20. The amount of the check was {$4000.00}. I understand that banks sometimes hold a deposit for a couple of days to wait for the funds to clear. However, my brother reports the funds left his account the same day I made the deposit. 

This wait time, 7 business days, is excessive and illegal I thought. ( Max is 5 business days ). The check was written on an account in the same county, so there's not a question of it being across state lines. 

I called the Bank of America customer service number to complain about the length of the hold and was told there was nothing the representative could do. She said that the bank was within their deposit rules. 

This money was put into my account to pay vendors doing work on a property I am closing on in a couple of weeks. Ultimately, I had to move other funds into the account from a credit card to cover the checks I am writing ( checks to track the expenses for tax purposes ). 

I will be taking my banking business elsewhere, but wanted to see if I could get some third-party help and maybe warn others of BOA 's banking practices. Thank you for listening.

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 2020-08-10 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: AR

Complaint narrative:
I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX {$220.00} XXXX XXXXXXXX {$21000.00} XXXX   XXXX {$25000.00} DEPTEDXXXX   XXXX {$15000.00} DEPTEDXXXX  XXXX {$1100.00} DEPTEDXXXX XXXXXXXX {$5500.00} DEPTEDXXXX  XXXX {$250.00} DEPTEDXXXX   XXXX {$3200.00} DEPTEDXXXX XXXXXXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00} DEPTEDXXXX XXXXXXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: AR

Complaint narrative:
I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX {$220.00} XXXX XXXXXXXX {$21000.00} XXXX   XXXX {$25000.00} DEPTEDXXXX   XXXX {$15000.00} DEPTEDXXXX  XXXX {$1100.00} DEPTEDXXXX  XXXX {$5500.00} DEPTEDXXXX XXXX {$250.00} DEPTEDXXXX   XXXX {$3200.00} DEPTEDXXXX  XXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00} DEPTEDXXXX  XXXX {$3500.00}

Company response to consumer: Closed with explanation