vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Re : -XXXXXXXX XXXX JPMCB Card is reporting a debt on my credit file that is not owed. I recently pulled my credit and noticed that they are reporting a debt that is very old. I have checked my state laws and checked with my state Attorney General and this is way past the statue in Louisiana. Not only is it past the statue in Louisiana but past the credit reporting limit per the FCRA guidelines. This needs to be removed off my credit report or you are violating my rights under the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: WA

Complaint narrative:
1. I opened a Chime checking and saving account online https : //www.chime.com/ around XXXX. I used the account without any problem for a while 2. XX/XX/2020, I notified that Chime suspended my account when I tried to log in 3. On XX/XX/2020, I called the customer service number at XXXX to understand what happened. They couldn't resolve my problem and asked me email my issue to XXXX and XXXX 4. On XX/XX/2020, I emailed XXXX and XXXX with all required documentation : copy of both front and back driver license ID picture of me holding my driver license XXXX  XXXX XXXX  statement XXXX  XXXX  statement Utility statement XXXX bank statement Written explanation of last few transaction 5. On XX/XX/2020. Chime emailed me that I violated their Deposit Account Agreement Section ( I ) ( C ) ( 9 ). I read through and I did not violate any one of the agreement. 
Here is the copy of XX/XX/2020 message from Chime ********** copy begin ******** Hi XXXX, We have determined your account is not in compliance with your Deposit Account Agreement. Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ).

If you still have funds in this account, please allow 14 days for any outstanding transactions to settle and then a physical check for the remaining balance will be sent to the address on file. You should receive your closure check shortly after.

Kind regards, XXXX Chime Member Services **XXXX. copy end XXXX Chime has most of my cash and I could not really use it. Chime closed my account and I could not reach out to any one at Chime. Can you help take a look at this case to make sure Chime is not discriminating customers like me? How can a bank suspend a customer 's account without providing customer service access? What can I do now as I could not use the majority of my family cash to pay for bills during the pandemic and holiday seasons for 20+ days?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Hello, I agreed with a business named XXXX XXXX to install windows in my home. XXXX XXXX had a promotion that was 18 months no interest and the financing was done through Syncrony Bank. We applied and were approved and scheduled to have the windows installed in 6 weeks. It has been 5+ months at this point and the company has only partially installed the windows. We have been billed by Syncrony to make payments on products that we have not received. We contacted Syncrony and they are still forcing us to pay for services and products that their client did not provide. I feel like we are being rail roaded. Its not fair for us to have to pay a bank for services not provided by their client. Please help. 

Thank you, 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 monetary relief
Consumer complaint received 2020-11-23 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: OH

Complaint narrative:
I have tried to use the XXXX  site to obtain my reports and none of the companies will allow me to obtain such report online. Called the number to address the problem only to find out they are indicating my first name is not what I know it to be. Tried to address this problem only to find out I can not talk to a live person to get it resolved. Finally called Transunion and got to talk to a live person named XXXX, on XXXX XX/XX/2020 approximately XXXX hours ; he said he could put on a freeze for Transunion only, said please do this. However, this whole situation is cause for alarm for both my husband and me. My husband has already filed reports with FTC, Transunion, and local police for data and information that is fraudulent on his reports.

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 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: National Medical Administrators, Inc
State: CA

Complaint narrative:
I made a one time purchase with XXXX XXXX XXXX XXXX  ( company ) in XX/XX/2020, and now I am being harassed by a collections agency named " XXXX XXXX XXXX XXXX XXXX '' After my purchase of XXXX XXXX XXXX XXXX on XX/XX/2020, I called them and told them to cancel my subscription. I notified them that I did not open their product and would be sending back the product. They indicated that they would close out my account and would not be collecting any monies from me as a result of the unopened product being returned. They gave me the XXXX numbers to include on the package. I sent those packages back and they were delivered. 

On XX/XX/2020, XXXX, I called XXXX XXXX XXXX asking for verification that they closed my account. They mentioned that they could not close the account because I only sent one package and not two separate packages. I told them that I was never informed that the two products needed to be sent in individual packages. The represented from XXXX XXXX said, Oh, wow he forgot to tell you. Dont worry, if you pay {$18.00} today then I will close out your account? I informed her at that time that I knew that this was a scam. I asked her to transfer me to her Supervisor, because I would not be paying the {$18.00} nor providing her with any more credit card information. She stated that she would escalate my case to her Supervisor and that they would be calling me 24 hours later. 

On that same day XX/XX/2020 at XXXX, I called XXXX XXXX XXXX XXXX  again hoping to get a hold of another representative. The gentlemen explained to me that he could not close my account. I then received a cancellation email ( see Exhibit B ) at XXXX, right after we hung up from the original transaction I made on XX/XX/2020 at XXXX. 

I have formerly written National Administrators Inc. that they cease and desist all phone calls as they are harassing and incriminating in nature. They continue to call me and send me mail, asking to pay the balance of {$110.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Original dispute XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX D.O.B XX/XX/XXXX Last Four SS XXXX TransUnion Consumer Solutions XXXX. XXXX  XXXX, XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
NAMES REPORTED : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX, XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX Original creditor name XXXX XXXX Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

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 2020-11-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have Bank of America credit card with quarterly reward XXXX dollars if I pay on time. In order to get that reward I set up auto pay for my payment. after due day, I checked my balance, I found the auto pay not working, right way I paid the amount by manually. Also, right way I called the bank to let them know what happened. they said they would take a look. I called them and explained every again to them, they said ok it's their fault and gave my interest back. but they still no pay XXXX reward. they say I am pay late.

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 2020-11-23 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: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The collection company is Portfolio Collection in the XXXX XXXX area. 
They are calling me a odd hours of day. I have told them that there wa fraudulent activities on my accounts and I have called the original credit company and the issues resolved and settled. 
I called the original credit company and told them the incessant abuse by Portfolio Collections and they said to tell them again its been resolved. I am at an impasse of what I can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 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: Capital Accounts, LLC
State: SC

Complaint narrative:
this alleged collection agency Capital Accounts never sent me any letter or notice of medical debt yet they continuously report it on my credit report they Will does not send me Original Contract or 1099-OID Original issue discount or any contract showing them as a beneficiary of any debt in case of default, shows a balance and past due balance and its in the collection which is a violation and multiple inconsistent statuses dates Furthermore after pulling my report on 3 different bureaus the alleged collection account reports wrong on each on no respect to the Metro 2 reporting standard. I want this dispute forwarded to member os the Metro 2 Task Force so they can probably see The Credit Bureaus Failure recognize this alleged collections inaccuracy and verifying it even though its obvious no investigation took place.

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 2020-11-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I terminated my mortgage application with Ameris Bank, due to the fact that Ameris Bank has repeatedly failed to deliver on a mortgage loan application that I initially applied for on, XX/XX/XXXX, via online banking app. 

I received my 1st preapproval Notice from XXXX XXXX via email on XX/XX/XXXX. I then officially submitted my loan application on XX/XX/XXXX, for the purchase of a certain property located at, XXXX XXXX XXXX XXXX XXXX Georgia XXXX. 

More specifically ; I was informed initially by the loan officer, XXXX XXXX, that she could probably close the loan on or about, XX/XX/XXXX. The loan officer, then advised, that it would be closer to the XXXX of XXXX, before closing. The loan officer then later requested an amendment to extend the buyer 's financing contingency until XX/XX/XXXX. 

XXXX XXXX, my real estate agent informed me again, that the loan officer needed more time to process the loan, and closing will not take place on XX/XX/XXXX, nor on the XXXX of XXXX, as the loan officer promised. In fact, it was quite obvious that Ameris Bank, would not get this loan out of underwriting until early XXXX, at the earliest. 

This fact then put closing well beyond the XXXX of XX/XX/XXXX, as the loan package then must go to, USDA underwriting, putting the closing date well into XXXX. I've offered two extensions after already coming out of an extended 4-month lease, I was charge an extra {$500.00} for rent for XXXX, bring my rent to over {$2800.00}. I must be out of this property by the XXXX of XXXX, This failure to deliver a mortgage product in a timely manner has cost me extensive hardship and financial strain. In addition, Ameris Bank has violated the Fair Housing Act Laws, as engaged in practices that are discriminatory in the Terms and Conditions of The Application Process, and Discriminatory in Terms of Income and Disability Status. 

In addition, Ameris Bank 's loan officers, have run my credit report, more than six times in the last month, driving my credit scores down, causing me undue hardship and on-going financial distress. 

Please note, I demand that Ameris Bank return all of my cost associated with this matter, including funds that I have provided, in relation to this loan application and processing ; including the following cost :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: NC

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX  and XXXX. The complaint numbers were XXXX XXXX TransUnion XXXX, XXXX ( XXXX  ) and XXXX ( XXXX  XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX  or XXXX  to resolve anything. I am also aware that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-11-23 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
For XXXX XXXX and XXXX in XXXX American Express shows I did not make payments on my credit report. However my bank statements show I was only past due in XXXX of XXXX. My bank statements show that on the following dates these payments were made : XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$410.00} You will see the mentioned items circled on the attached statements. 
My credit report also indicates that American Express closed my account. However I called to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Hi NRA ; How r you? You are reporting wrong, incomplete, and unverifiable info on my credit report. This account was on my credit before and I had disputed and it was deleted. Now it re-appeared with the wrong open date of XX/XX/2020? What is the 1st date of delinquency of this account? This is causing this account to illegally re-age the way it's reporting and it's a violation. 

Basically, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from my XXXX  from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Response to complaint id XXXX. 
My employer did not receive any funds back from Citibank after my account was closed. The missed funds are in the amount of {$5300.00}. 
if citi bank really reverted the money back to employer till now they should receive right. its been more than 5months. please give me proof or confirmation of date time and transaction number details to track. If citi bank didn't reverted money back to my employer, please do now without any more delay and provide transaction details. 
please find attachment the response i got from my employer regarding money. 

my employer Email : 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 monetary relief
Consumer complaint received 2020-11-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America is reporting a debt on my credit file that I do not owe. This debt is really old. I have checked with my Attorney General for the state of Louisiana and this debt is way past the statue. Not only is it past the statue of limitations in Louisiana but under the FCRA guidelines this debt is also past the credit reporting limit. This debt is violating my rights under the FCRA and needs to be removed.

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