vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I opened my Chase Amazon Rewards Visa card on XX/XX/XXXX and I became an XXXX XXXX member on XX/XX/XXXX. I used my Chase Amazon Rewards Visa card to purchase my XXXX membership. Per the terms of my credit card, I should have been receiving 5 % back for having an XXXX XXXX account paired with my Amazon Rewards credit card. 

Shortly after my opening my card I realized it did not appear that I was getting 5 % back but instead receiving only 3 % back. I called chase to ask about this and was told that I was in fact receiving 5 % back because I now had XXXX XXXX attached to the card. Over the next few years I have called XXXX and Chase regarding this issue as it appeared time after time that I was still only receiving 3 % back despite their claims that I would be getting 5 %. Both companies, XXXX and Chase, have placed blame on the other but I was still not receiving the correct rewards per the terms of my credit card which I have found to be Chases fault. 

Most recently, when calling Chase, I was told by a customer service representative on XX/XX/XXXX that they were unsure why I was not receiving the correct rewards percentage as they could see in the notes on my account that my XXXX XXXX membership was purchased annually with that card and that my XXXX membership has been reviewed by Chase. The person from chase I spoke with let me know that I should have been receiving the 5 % back as it was reviewed annually by the credit card company and she was not sure how that had been glossed over but she would fix the issue. 

Chase then sent me a letter dated XX/XX/XXXX letting me know that it was XXXX fault for not informing them I had XXXX, despite myself calling to tell them multiple times as well as my credit card being charged for XXXX annually since XXXX which was reviewed per a chase customer service representative. 

Chase has now closed the case insisting that they owe me nothing and have done nothing wrong and today when I called to once again ask for help I was hung up on by XXXX the customer service manager I spoke with. 

I would like the full rewards points I have earned for the last 6 years. I have earned these rewards and legally, per my credit card terms, they are owed to me. If this is not resolved in a more appropriate manner than blaming another company for Chase dropping the ball then my next step will be to seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Divorce proceedings started XXXX finalized XXXX ex spouse was ordered to refinance via servicer modification was done in XXXX solely with ex spouse. I never signed anything beyond XXXX. I wrote directly to servicer and servicer returned a copy of my signature from XXXX and blank for XXXX via ex spouse modification however none of this was known to me at that time. Instead of servicer stating reason for communication was a dispute, they listed reason for communication was a name change? I also attempted several times to dispute information on credit reports and including returned to court in XXXX due to defendants noncompliance. Judge stated if issued remained unresolved, return so it can be enforced not excluding property being sold. Dates and signatures aren't adding up. I never signed anything post XXXX regarding loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Creditor has continuing to report a private loan that has exceeded 7-year period on my credit report. While checking my credit report, I notice an account from XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent certified letter, to all three credit bureaus ( See attached ) letting them know that XXXX was reporting obsolete information on my credit report and so far, I have not gotten a respond from them. I am asking you to please help me to have this information removed from my credit report.

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 2022-08-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Creditor has continuing to report a private loan that has exceeded 7-year period on my credit report. While checking my credit report, I notice an account from XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent certified letter, to all three credit bureaus ( See attached ) letting them know that XXXX was reporting obsolete information on my credit report and so far, I have not gotten a respond from them. I am asking you to please help me to have this information removed from my credit report.

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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
When researching my credit due to divorce I discovered 2 judgments against me that I was never made aware of. I attempted to contact Midland Funding using the address on the judgments and the mail was returned undeliverable. These accounts are fraudulent due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my Synchrony Bank/Amazon card into the program. I completed the program and paid all of my creditors in full. All three continue to report incorrect info to am three credit reporting agencies. XXXX, specifically is reporting the incorrect account number. On all three report the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full. Not only ate they reporting an incorrect status, on XXXX they are reporting an incorrect write off amount. There are several errors and inconsistencies among a three reports. I am filing a complaint so that I can find resolve as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered s debt relief program to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, The Experian Credit report always shows another person 's credit card accounts on my Credit report for over 2 years. I disputed it 3 times all failed, I also contacted XXXX XXXX XXXX directly since the two wrong credit cards are all from them. They confirmed those accounts do not belong to me and I only have one credit card under my name. 
However, the Experian credit report still failed my dispute without giving any reasons and asked me to contact XXXX XXXX XXXX. 
All other credit bureaus have the correct information, but only Experian shows the wrong information and it extremely hurts my credits and my life. 

I really need some help to correct their report. 

Thank you

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 2022-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
I have called numerous times to HAF and my mortgage company. Absolutely no resolution. HAF says the funds for XXXX have been sent XX/XX/2022 and XXXXAmeris bank claims no funds have been received as of XX/XX/2022. 
Being denied to speak to supervisors concerning my concerns from both parties. 
Please can you help in this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a credit card with CITI ending in XXXX I have an old bank account with XXXX ending in XXXX I have a new bank account with XXXX ending in XXXX I am enrolled in CITI autopay, with a payment date of the XXXX of each month I no longer use my XXXX account and forgot to update my autopay with my new account On XX/XX/22, CITI attempted an authorized autopayment of XXXX against my XXXX account. This charge was declined with for Non Sufficient Funds ( NSF ). XXXX charged me {$25.00} and Citi charged me {$29.00} as a result of this decline In the days following, CITI attempted unauthorized retries of this autopay payment. One attempt hit my XXXX account on XX/XX/22 and another on XX/XX/22. Both of these retry attempts were declined for NSF. XXXX charged me {$25.00} each. 

I have now been charged {$100.00} in fees for this single failed transaction, which was my mistake. I feel the original two NSF charges are justified as they were due to my error. 

I feel the retry attempts, and NSF fees as a result, were UNAUTHORIZED charges from CITI without my knowledge or consent. I have attached a screenshot of the Autopay Terms and Conditions directly from the CITI website. These terms and conditions do not state that CITI has the right to automatically retry any failed attempts. Therefore, these attempts were unauthorized and they should be held liable for the fees that I incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Account with Bank of America was paid off XXXX  years ago. Bank of America was suppose to remove off credit report. Account still shows closed on credit report

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Upon pulling my annual credit report I notice some credit inquiries that were unauthorized and were not clearly and conspicuously disclosed. My research on the FCRA Laws, states reports containing information solely as to transactions or experiences are to be excluded from my consumer report. Attached I have the names of the companies that are in violation. This is causing injury and is causing me to get denied loan/credit opportunities from me and my family. Thank you for your time!

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Dear CFPB, I was recently denied the ability to open a bank savings account. Early Warning advised me on XX/XX/XXXX ( copy attached to complaint ) that " the status of the relationship with the inquiring bank '' was the negative factor affecting something they described as my " Deposit Account Score ''. It has come to my attention that reports indicate that in XXXX Early Warning agreed to pay nearly XXXX XXXX dollars for violating the Fair Credit Reporting Act in how they respond to consumer file requests. I write CFPB to complain that Early Warning fails to define what their terminology " the status of the relationship with the inquiring bank '' means in plain English, and also request to know if Early Warning has issued a fraud alert on me. It is my understanding that Early Warning improperly failed to inform consumers requesting their Early Warning Deposit Account Score that fraud alerts were on their accounts, leaving them in limbo trying to correct their financial reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
On experian it show XXXX XXXX XXXX  loans both different amounts and open at different time. I never received documents of amount owed once account was closed. All 3 credit bureau show different closed dates and information. Student loans closed paid in full on experian and XXXX  but shows open with balances owed. All student loans are satisfied. Different amounts past due on credit card balances and different dates. Experian has duplicate reports of same accounts. This has lowered my score drastically with improper reporting and duplicating accounts as well as incorrect reporting. I've disputed items with the credit bureaus with no resolution.

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 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
The incident first occurred on XX/XX/2021, I was manipulated, " scammed '' if you will into investing into the companies stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not know these were not real or regulated companies the scammer approached me online and pressured me to invest in them. I lost XXXX USD. The funds were transferred from crypto.com into the scam companies. Most of the money went to coinbase and then to coinbase wallet to other fake investments or fraudsters. Crypto.com customer care is not responding. Being a financial institute, they should have more tools and equipment to track the money movement and resolve my case positively. But they are blaming me as I agreed to the user agreement, I had to take care of the risks. But at the time of doing the transaction I do not know these are fraudulent transactions and crypto.com ought to know, if not then, now it should be capable of retrieving the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Credit Card Balance {$9600.00} Last Reported XX/XX/2022 Closed on XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Contacted company several times. Still reporting negative information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I am writing regarding my Trident AM, LLC. account opened on XXXX. XXXX, 2020. Original creditor XXXX XXXX XXXX  XXXX. 

Trident has been double reporting the account, not only is the original creditor reporting the account as a charge-off but this collection company is also reporting it as a negative account. 

I am planning to file for arbitration to resolve this matter. I have health problems, XXXX, XXXX  and other XXXX XXXX, not getting a mortgage, paying higher rates on loans, not getting funds has caused me sleep deprivation and affects my psychological state and mental health. 

Im open to hearing about you and resolving this issue in a good way. If this matter continues to take much more of my time, let this be your 30-day notice that I am going to file Arbitration unless Trident AM , LLC , deletes the account from all 3 reports.

Im open to discussion, and I like to resolve this issue in a good way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am an international student without credit history, nor account, nor credit card in the US. I received a fraud text message ( on XXXX, XXXX  ) through which I gave them my address, name, date of birth and SSN. Then I contacted TransUnion, XXXX and XXXX through phone ( on XX/XX/XXXX, XXXX, XXXX, XXXX  ), I was told that I do not have credit account and in order to create one, I need to fax and mail ( on XX/XX/XXXX, XXXX, XXXX  ) them a copy of my ID and proof of current address and some requires a copy of my SSN card. Then they can create credit accounts for me and lock it to prevent potential harm from the theft. 
I mailed the documents as required. However, I received mails ( on XX/XX/2022 ) from XXXX and TransUnion stating that they can not locate credit report and therefore they can not create credit file for me and freeze it. With XXXX, I never received any response.

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 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has placed a hold of greater than 9 days on a check deposited from another Bank of America customer. The account has been opened for more than 12 years and was for {$25000.00} related to a real estate sale. This is a blatant attempt to deny interest accrual and other benefits to the bank. The length of the hold is excessive and unnecessary. In Addition there has been an additional 8 day hold on a check a {$2800.00} from a very large institution account as well.

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 2022-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Following up from my previous complaint, I would like a detailed payment history and credit score history on all of my loans beginning at origination. XXXX was opened XX/XX/XXXX, XXXX was opened XX/XX/XXXX, XXXX was opened XX/XX/XXXX and XXXX was opened XX/XX/XXXX. I would like to see how the 2 loans that were opened before the 2 that are currently in default ( 1 was forgiven ) because if I was unable to pay on 2, I was clearly unable to pay on all of them. I would also like to see where my credit score was above XXXX on loan XXXX as that was opened just 3 months after XXXX which was forgiven as part of the settlement. The balance on loans XXXX and XXXX are now almost 3 times what the disbursement amount was, and I am currently on the rate reduction plan where I am making payments but my balance is steadily going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: MN

Complaint narrative:
My card was stolen around XX/XX/2022, the amount that was taken was XXXX I reported it got a new card sent out and never received a new card. I believe someone has my Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I was sent a random text message with no detail about a debt collector. I haven't received anything by mail. This was on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: TX

Complaint narrative:
Transunion, XXXX, XXXX XXXX XXXXXXXX XXXX refuses to verify nor validate their alleged account They do not have any contracts from original creditor with my signature and no contract with them with my signature they have NOTHING this last letter they sent through the CFPB dated XX/XX/2022 XXXX shows they want me to lie and say it was fraud I will not comply with their wishes { temporary fraud status } places NO .I have request through the CFPB 3 times on this alleged account and can not get any valid information enclosed is their letters, copy of bills no contracts no signatures. the way I see it they have no proof of anything. I have the right to request to them in writing what I want under the U.S.C. codes listed in my letter and complaints THEY REFUSE

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