vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX I mailed a payment to XXXX XXXX for {$8900.00} The bill was stolen from the post office. The check was changed to an individuals name and fraudulently cashed on XX/XX/12. My bank is Chase. The check was cashed at a XXXX XXXX XXXX. 
Chase will not put the money back in my account until they investigate, which could take 90-120 days. 
I personally spoke to head of fraud division at XXXX XXXXXXXX and was told the funds were never dispersed but are frozen. 
So, my money is there. Chase wont even guarantee me that I will get my money back. I have a copy of the check with the account # that was used to cash the check. 
Chase let these funds go on an altered check but are making me wait 120 days to possibly get my money back. 
Chase CASE # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I opened a Venmo account in XXXX. It was only opened for about a week and Venmo restricted my account has been holding {$100.00} on my account since XXXX and will not say why or give me my money. I am a single mother of XX/XX/XXXXchildren, going to school to become a XXXX  and it is very hard doing this by myself. I need every XXXX  I work for and receive. I don't understand how banks and business are allowed to just take someone's money and give them no reason as to why. I have tried over and over to speak with Venmo and get some type of answers but none is ever given to me. I followed every single one of their policies and it is sinister that our government allows business like this to stay open. They are stealing for single mothers and hard working people and nothin is done about it. Yet if my children were hungry and I stole some meat from the grocery store to feed them I would be taken to jail. I desperately need that money right now.There are days when I don't eat because I only have enough to feed my children yet I have {$100.00} in my Venmo account that I can't touch because Venmo thinks they can do whatever they want with my money and the government allows them too. I am not the only one having this problem because I researched it. How can you people keep allowing this to happen? I'm so frustrated right now. They freeze accounts use our money as they please and. give it back when they have it to pay back. This is hurtful in so many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: MD

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate Inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: MD

Complaint narrative:
I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
the following companies failed to respond to my debt validation letter. I have no knowledge of the following collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The inquiry made is not an inquiry made by me. Please have inquiry moved from credit reporting Equifax Mortgage Ser - inquiry date : XX/XX/XXXX XXXX mortgage- inquiry date : XX/XX/XXXX XXXX XXXX- inquiry Date XX/XX/XXXX XXXX XXXXe- inquiry dates XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- inquiry dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; was unaware of company pulling my credit twice. Was not authorized. Did follow up with company Equifax please remove inquiries from credit report. I sent over a letter and still nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made an electronic payment of {$220.00} to my PayPal MasterCard on XX/XX/23. The monies were removed from my checking account on XX/XX/23, but were not applied to my account. When I called to inquire as to why, I was told that because my account was ( 1 ) less than 6 months old, and ( 2 ) it was a " large payment amount '', that my payment would be on hold for 15 days to prevent fraud. Just to be clear, I have been a PayPal customer for more than 10 years and have never had any negative issues with my personal finances. 

No where in the credit agreement does it say that a hold will ever be placed on a payment. Nor would they specify what a " large payment '' is in relation to anything. I was also told that " no one had authorization to release my payment ahead of the 15 day waiting period ''. When I expressed my dissatisfaction and complained that I was given no notice of this arrangement, I was basically told there was nothing that would be done about it. 

I want to know in what universe a company can take my money through an electronic transfer and then refuse to apply it to my account. I also want to know why they would consider paying my balance to be an excessive payment. And finally, I would like to know why it takes 15 days to verify an obviously accepted electronic payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Hi- I applied for a New York & Company credit card on XXXX to receive an additional 30 % off my first purchase. They allowed me to use the credit line but after calling both the store Customer Service line and the Credit Card servicing line, they did not know how to provide the discount to me. They said they were experiencing technical difficulties and I would definitely get a 30 % off promotion in the mail when my actual card was received. It never happened. I have emailed customer service on multiple occasions and the response makes no sense. It is as if there is some sort of language barrier and they are not understanding what I am asking.. I have emailed them twice regarding the issue and have received responses back including the following : " We are sorry you are having issues using your NY & C Credit Card etc. '' The last email I stated to them that they were in violation of XXXX for never providing the discount to me for getting the credit card. I stated I was going to file a complaint with the CFPB and my later emails were returned, the customer service employee had blocked my email address. I have told both sides NY & Company as well as Comenity Bank who provides their credit card. No one cares nor knows what to do. Again, after the last email regarding the issues, my email was returned as undeliverable. The company blocked my email address apparently as I was very upset and that had never happened before. The last email sent on XXXX had the same reply that made NO sense.. " We understand that you are facing difficulties placing an order with your NYCO credit card, and we want to help you resolve the issue. In most cases, the NYCO card is not accepted due to its XXXX length. '' I have all the emails that I have sent to customer service as well as these responses that make no sense ( not even relevant to not providing the discount ). See attached documentation. I also have proof that I was blocked after that. This is a last resort. I have been a loyal customer to this company for so many years. Very disappointing and that they really do not care at all. I appreciate your help. Kind Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: NV

Complaint narrative:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I started the process to do the lease buyout of my XXXX XXXX XXXX. On XX/XX/XXXX, I paid kia finance  {$14000.00} via the Kia Finance website. This payment was the amount that was quoted on the lease buyout quote that I pulled off of Kia Finances website. Kia pulled the money out of my bank account. I mailed them the odometer statement and bill of sale, which they require to release the title. Kia says they never received my mailed odometer statement and bill of sale. On XX/XX/XXXX, I faxed them those documents and also emailed them. 

I called on XX/XX/XXXX, and they said my account is still active. They said they have not been able to apply my payment to my account. They told me they would fix it that day, and on that same day fed ex me the cars title. 

Today, XX/XX/XXXX when I called Kia they said they have not applied the {$14000.00} payment to my account. They said they will do that now ( allegedly ), but that it will take one week to be able to release the title. 

I feel like Kia is making me jump through hoops because the lease buyout is not most profitable to them. Having paid the remaining balance on the car and submitted all paperwork, they are holding my title hostage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
1 ) After calculating the interest rate and payment plan, I should no longer owe ANY interest and have over paid by thousands in interest. The default loan was 6 years, and after 6 years of payments the balance was still too high. After verifying this information to be accurate, I reached out to Santander and they dismissed it. 

They were apart of a lawsuit regarding this, and by the lawsuit requirements I shouldve qualified as I was deceived and shouldnt have even received a loan. Every other company rejected me at the time, however Santander took me under to commit this unfair, inhumane practice. 

There is no reason on the XXXX year that I should owe ANY interest! I have paid $ XXXX interest for 6 years. With {$150.00} as a average thats over {$10000.00} in interest paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi. My name is XXXX XXXX ( last 4 SSN XXXX ). I have two items on my credit report that I feel are incorrect. 

First, is an alleged debt from XXXX XXXX XXXX in the amount of {$3000.00}. This debt has been reported on all three credit bureaus. This alleged debt amount is from an apartment complex that was shared by myself and my significant other. We never received anything in writing from the apartment complex regarding an outstanding balance. How can a company place a debt in collections without at least giving consumers the opportunity to pay it? This debt has also been applied to my boyfriends credit reports as well. We have not way of verifying the validity of this collection account. Personally, I feel as though this is retaliation on behalf of the apartment complex for several complaints we had made prior to our lease ending. Ive reached out to the credit bureaus regarding my concern ; my dispute came back as valid. 

Second, is my account with XXXX XXXX XXXX. My credit card account was closed by them back in XXXX. Theyve recently decided to report a balance increase last month on a closed account, which is causing my credit score to drop even more. 

These credit agencies/bureaus should have a more uniform, consistent manner in which they can report/add items to consumers credit. We are literally at the mercy of them, which is so scary because we need credit in order to live. Erroneous credit items and illegal reporting is costing Americans XXXX, maybe XXXX  of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi. My name is XXXX XXXX ( last 4 SSN XXXX ). I have two items on my credit report that I feel are incorrect. 

First, is an alleged debt from XXXX XXXX XXXX in the amount of {$3000.00}. This debt has been reported on all three credit bureaus. This alleged debt amount is from an apartment complex that was shared by myself and my significant other. We never received anything in writing from the apartment complex regarding an outstanding balance. How can a company place a debt in collections without at least giving consumers the opportunity to pay it? This debt has also been applied to my boyfriends credit reports as well. We have not way of verifying the validity of this collection account. Personally, I feel as though this is retaliation on behalf of the apartment complex for several complaints we had made prior to our lease ending. Ive reached out to the credit bureaus regarding my concern ; my dispute came back as valid. 

Second, is my account with XXXX XXXX XXXX. My credit card account was closed by them back in XXXX. Theyve recently decided to report a balance increase last month on a closed account, which is causing my credit score to drop even more. 

These credit agencies/bureaus should have a more uniform, consistent manner in which they can report/add items to consumers credit. We are literally at the mercy of them, which is so scary because we need credit in order to live. Erroneous credit items and illegal reporting is costing Americans XXXX, maybe XXXX  of dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was solicited in the XXXX Airport to sign up for an American Express Delta Sky Milescard. I was not informed that the card carried an annual fee of XXXX for use of the card. I received the car a couple of weeks later. I called to activate the card and asked the phone attendant whether this card carried an annual fee for use of the card and its privileges. I was told by the attendant that she did not know if there was an annual fee and went on to say that if I would be assessed a fee that the company would nullify the fee and then I could cancel. I went ahead and activated the card. I did not use the card for any purchases. Yesterday I received the monthly statement from the credit card company which indicated a XXXX fee on the statement for use of the card and benefits. I called the number on the back of the card ans asked to cancel the card. The card was cancelled by the supervisor who said she would have to " launch an investigation '' into whether or not I would be liable for the fee irregardless. She would not confirm whether the fee would be reversed. I asked that she call me today to verify that the card was in fact cancelled and the fee reversed and as of now I have not heard from the company 's representative. I hope you can contact the company to please put an end to this misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm reaching out regarding the measures that are calculated to factor consumer credit reports and scores. I don't understand how I can use my credit card today within 72 hours charges appear on my credit reports. In the same instance if I make a payment or pay down my credit card balances significantly, it's not reported until after 4 or 5 days past the billing cycle.

How is it possible to have a system that is so flawed that it penalizes every consumer that utilizes their credit limits instantly. If the same consumer pays down their balance the information isn't reported until almost a month later! 

What is the system designed to penalize Americans rather than strengthen the economy by reporting true and accurate information. It makes no sense to have as many different scoring modules when attempted to utilize your credit worthiness. Shame on these companies that you operate credit worthiness in this manner while in the same breath you sell information to companies without permission. This greed in America is ridiculous and as a consumer I am sick and tired of 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 2023-05-02 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: FL

Complaint narrative:
I'm reaching out regarding the measures that are calculated to factor consumer credit reports and scores. I don't understand how I can use my credit card today within 72 hours charges appear on my credit reports. In the same instance if I make a payment or pay down my credit card balances significantly, it's not reported until after 4 or 5 days past the billing cycle. 

How is it possible to have a system that is so flawed that it penalizes every consumer that utilizes their credit limits instantly. If the same consumer pays down their balance the information isn't reported until almost a month later! 

What is the system designed to penalize Americans rather than strengthen the economy by reporting true and accurate information. It makes no sense to have as many different scoring modules when attempted to utilize your credit worthiness. Shame on these companies that you operate credit worthiness in this manner while in the same breath you sell information to companies without permission. This greed in America is ridiculous and as a consumer I am sick and tired of 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 2023-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Attempted to communicate with Amsher Collections when the individual on the other line start to get hostile because I would not provide payment. I asked the individual to send an email with payment information, but he refused. He then started getting hostile asking for banking information ( repeated ) and how I would pay for the medical debt. I hung up after this because he would not work with me. I told him I could not setup a biweekly or weekly plan because of my financial situation. I have been providing small payments each month making an attempt to pay this off, but neither the hospital or Amsher would work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: OH

Complaint narrative:
Kohls/Capitol One Account number : XXXX I have disputed this account also called the Collector to ask them to remove this account. It was removed and put back on my report. I did not open this account and was unaware of the CFPB. I just became of aware of the CBPB and this is the reason for this letter.

Company response to consumer: Closed with explanation