vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
OnXX/XX/XXXX I visited the Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX. Prior to my visit, I had done my research on the different account types and their bonuses. I decided to open a Chase Checking account, but I was unsure as to which one I would pick so I decided to see if the banker could help me. Upon visiting the branch, I spoke to XXXX XXXX, one of the bankers working that day. I told her that I wanted to open a Chase Checking account and that I had a coupon code. She took my info and filled out an application for a Chase College Checking, since I just started college. After the process was complete, she told me that I just had to make sure to have a direct deposit made to this account totaling more than {$500.00} within 60 days in order to receive my {$200.00} bonus. On XX/XX/XXXX FAFSA sent a tuition refund as a direct deposit of {$750.00}, which more than satisfies the terms. However, Chase website said I would receive the bonus within 10 days. When I did n't receive the bonus, I called Chase customer support, and they informed me that the coupon code was never applied at account opening. When they tried to open it, they were unable to so they redirected me to the branch that I had opened my account in. When I went to visit the branch the next day, the banker told me that I was n't eligible for the coupon code, because I was n't a new Chase bank customer. When I asked her to explain what that meant since this was my first and only account with chase, she just said the same thing again. I left the bank and called customer support once again later that day explaining the situation, and they transferred me to a higher up. She then informed me that my the coupon code could not be applied to a Chase College Checkings account, but rather only a Total Checking Account. I then tried to explain that the banker assured me I would receive my bonus as long as I had a direct deposit made. I was then told that there was nothing they could do, and it was the branches decision whether or not to reward the bonus. After reviewing all of my steps, I do realize that part of it is my fault for not researching well enough. However, I do believe that I was purposefully mislead. The supervisor I spoke to informed me that at account opening, the coupon code would not have worked since the type of account I was trying to open was ineligible. However, the supervisor also says that the system will inform you if and when the coupon is n't eligible. Instead of telling me, the banker proceeded as if there were no issues and allowed me to open the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-14 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: NY

Complaint narrative:
Due to gross negligence ( improper password protection ) Equifax let their system get hacked. They did not disclose this information in a timely manner allowing more time before I could place a fraud alert on my credit and protect my personal information. Consumer were informed of the breach on XXXX/XXXX/XXXX however the actual breach occurred from mid XXXX to mid XXXX. This breach exposed my social security number, credit card information, personal address, date of birth, and drivers license number. I have reached out to the company but their phone lines keep dropping calls. The company has not done anything to rectify the situation, they do not even know whose information was stolen and the website they have set up randomly tells you if you may or may not have been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am sure that what I am describing you already know about it. I have made a complaint in XXXX regarding the fraudulent activity from Wells Fargo Home Mortgage and nothing was done. I am convince that nothing will be done this time either. However, I would like to make sure that I document everything that CFPB is not doing to protect the homeowners. 

Wells Fargo has been on the new one too many time and despite that we ask for help the millions of dollars in fines for breaching their contracts or agreements continues allowing WELLS FARGO HOME MORTGAGE TO CONTINUE DEFRAUDING THE CONSUMER. 

Wells fargo has done everything to take my house today XX/XX/XXXXmy house was sold in auction. It is very sad and frustrating to be feeling powerless because not even a government agency can take down a corruptible institution. The robo signing continues to this day, the false affidavits continue, the overcharges continue and the loan modification were denied despite the homeowner can afford the payment, but the house had equity and the banks wants that equity. I am requesting the assistance of the CFPB to sit down with me and WELLS FARGO HOME MORTGAGE. I would like XXXX to lie in front of you when I take one letter after another of how they have overcharge as they wish and how my loan modification were wrongfully denied. How they blame the use of the TREASURY FORMULA as the responsible party for denying the loan modifications and since it was a complex formula nobody new really how to explain it so do n't even bother asking a question. The investor was WELLS FARGO BANK AND MY LOAN WAS A PICK A PAYMENT LOAN. WELLS FARGO DURING THE MERGER WITH XXXX PROMISED TO ASSIST HOME OWNERS WITH PICK A PAYMENT LOANS. MY LOAN WAS ONLY XXXX DOLLARS AND THE VALUE OF MY HOME WAS XXXX WHEN I REFINANCE IT. THE LENDER KNEW i HAD EQUITY ON MY HOUSE AND THIS IS THE REASON WHY THEY DID NOT WANT TO PROVIDE ME A LOAN MODIFICATION. FOR THE FIRST 4 YEARS THE WFHM DID ABSOLUTELY NOTHING TO PREVENT FURTHER DEFAULT. THEY WOULD NOT WANT TO ACCEPT MY MONEY OR RE-PAYMENT PLAN. 
ALL THEY WANTED WAS INCREASE THEIR COOKIE FEES OVER CHARGES ON EVERYTHING AND REFUSED TO ASSIST ME WITH A LOAN MODIFICATION. THE EXECUTIVE OFFICE IS AS CORRUPT AS EVERY OTHER DEPARTMENT OF THAT LENDING INSTITUTION. I WONDER WHERE DOES ALL THE MILLIONS OF DOLLARS THE CFPB goes because we as consumers are not seeing any change on the way XXXX conducts business and as a consumer I am not seeing any benefit either. 

I am asking for a full review of my loan modification or the record keeping of my house, loan modification denials and false documentation recorded. I would like to be part of a meeting with wells fargo 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 2017-09-14 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX FED CU XXXX XXXX/XXXX/XXXX

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 2017-09-14 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX/2015

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 2017-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
This debt was already paid and I have contacted XXXX and told them that I have paid this debt XXXX to XXXX years ago. I also contacted the company which stated this should not be on my credit but XXXX refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Walmart, Old Navy, JcPenney and XXXX XXXX have repeatedly called around XXXX XXXX in reference to the account! I 've called them and even tried multiple times to negotiate a good pay off amount and they said they would n't call anymore once they sent me the the letter with where I could send the payment when I got it. I have n't received a letter and they 're still calling and threatening to sue before dawn! I have a small child and that is a distraction in the wee hours of the morning. I feel totally harassed!

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 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Scott & Associates P.C ( Mailing address XXXX XXXX XXXX XXXX TX XXXX. Phone # XXXX ) sent me a letter dated XXXX/2017 letting me know that the law firm was representing XXXX XXXX for a collection of debt in my name for {$3500.00}. The letter said in the second paragraph the the letter was not a threat but will be giving to giving to an attorney for legal action if I do n't call and make arrangements to pay the debt. I called the law firm and talked to a representative and explained to her ( person that I talked to was a lady ) that the debt was not mines and her advised was to pay the debt or there was going to be consequences. I wrote a letter to Scott & Associates requesting in writing a certification of the debt from the original grantor ( XXXX XXXX ). SSN  related to the account. Copies of all original signatures in all transactions transactions made with this credit card. Name in the account. Account number and Telephone # related to the account. At of today I have not received their response. I will sent another letter to them but this time with return received. I read the comment posted about this law firm and they basically that they are bulldogs and ther will go after you. I am very afraid that they they get my personal information, driver license #, and SSN. I  file a complain with TX motor vehicle office, SS administration not give my information to any one unless I authorized. 
Base on the information posted online about these people they would go after you with threatening letter, phone calls, frivolous lawsuits. I am very affraid that to loose my Job because of this. I got a copy of my credit reports and there is no changes. Please make these people cease and desist of frivolous action. 
Scott & associates file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: CA

Complaint narrative:
On XXXX XXXX, XXXX, after the Equifax breach, I checked the site that Equifax had put up to see if I was affected. According to Equifax I was affected and my sensitive information, such as my XXXX, was released publicly. There are, however, reports that Equifax 's results on whether an individual was affected are randomized ; so I 'm not even entirely sure if my information was released. I am taking precaution to protect myself from fraud and I decided to make this complaint, because Equifax themselves tell me they let my information be breached but even if that was just a randomized result, then there is an entirely different issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: MI

Complaint narrative:
I 've been charged {$10.00} from TransUnion, XXXX, and XXXX on XXXX XXXX XXXX to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.

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 2017-09-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I 've been charged {$10.00} from XXXX, XXXX, and Experian on XXXX XXXX 2017 to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.

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 2017-09-14 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been disputing a credit card that is reporting on my credit reports. Bank of America is the bank. XXXX has finally removed this account off my credit report However XXXX and XXXX are still reporting it. I keep disputing it and I keep getting the results of the investigation are that the account has been verified as mine. I just put this dispute in with XXXX again 3 days ago and they got the results of the investigation within 3 days? Unheard of. I was always told I have to allow 30  days for the investigation I also explained in my dispute that XXXX has responded to delete the account and XXXX and XXXX should be receiving the same response. I spoke with corporate office supervisor and explained that I did not make these purchases. I received a call back from corporate office a week and a half later and was told because it 's fraudulent charges they will send me paperwork to fill out and return which I did. Finally XXXX removed it but XXXX and XXXX are not doing a thing about this and my credit score is being ruined

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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:
Equifax are allowing companies to place inquiries against without first contacting me to see if the inquiry is valid as per my 7 yr credit file freeze. I have sent a police report to Equifax previously which they have on file for Identity theft and they are continuing to allow these things to happen. With their recent Breach I do n't feel this company is taking all measures to protect consumers. The following unauthorized inquiries are ; XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Furthermore recent disputes with the one collection I have with XXXX XXXX XXXX is being ignored. I have numerous times state that I do not have a Contract to pay this company and the account is still affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The morning ofXX/XX/XXXXwe were notified of low funds in our account. We logged into our Chase Bank app to find that three separate ATM withdrawals had occurred the day before in XXXX XXXX ( all three were still listed as pending ). The first took place at onXX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX for {$XXXX}, the next onXX/XX/XXXX at XXXX XXXX XXXX for {$XXXX}, and a third also onXX/XX/XXXX at XXXX XXXX XXXX for {$XXXX}. We notified Chase on their fraud phone number as soon as we saw the withdrawals. They said that they would reverse the transactions while they investigate. 

OnXX/XX/XXXX, we received a notice from Chase saying that they were denying our credit and were going to take out the total {$XXXX}. When asked what the reason behind this was, XXXX on XX/XX/XXXX said that it was because after the transactions took place our account was logged into multiple times, and it was a chip to chip transaction. We did not take the money out, nor were we in the city of XXXX XXXX on either of those days. 

We are currently in the process of filing a police report to obtain the videos at both ATM machines, but we are unsure how long this will take. 

Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like XXXX, XXXX, and Equifax to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of American citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with Equifax because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to XXXX, which I have issue with. 

I have been unable to place a credit freeze with XXXX due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: CA

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not something the victims should be responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I was recently charged a $ XXXX monthly fee on my checking account. I meet one of the requirements to have the fee waived. The bank is unable to explain why the fee was charged and is unwilling to waive 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 monetary relief