vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
I've been having trouble with Chase Bank, with whom I have had investment and several credit cards with a complete and lengthy history of full and ontime payments. I am active military XXXX overseas. I'm reaching out to CFPB due to continued problems trying to apply for a product, getting correct and timely information relating to the application process as it pertains to my exact concern. 

In XXXX, I cancelled my Chase Sapphire Reserve Card and was told by a Chase representative that I could reapply for another as I could request for military benefits to be applied to the new account in spite of the old account not being eligible. After cancelling and reapplying, it was autodeclined as I was subject to a 48 month wait period. I was also told that the system would not process the application further and I would experience no impact from my application to credit history or score.

I called customer service today about confirming my 48 window from receiving my Chase Sapphire Reserve bonus in 2016 being finished to apply again for the Sapphire Reserve. Upon getting in touch with a representative, I was told my attempt in XXXX was too early and that I was eligible in XXXX of this year to apply for the CSR. 

I then applied today and was autodeclined. After calling the reconsideration line, I was told that I hadn't passed the 48 month mark yet. The rep couldn't confirm whether the application would cause any effect to my credit history or score but that credit wasn't pulled. This rep said I would be clear to reapply after XXXX or on XXXX at the first opportunity. 

I then called the reconsideration line again to confirm this information. This rep said since credit wasn't pulled and was identified by the system as not meeting the 48 month requirement, no impact would occur and nothing further would proceed. I then asked when the 48 month window would be satisfied and I would be clear to apply. The rep had the worst attitude I've encountered in some time, snapped " excuse me, I'm talking '' when I was trying to ask her a question from an overseas line, and refused to inform me when the 48 month window would end. I then told her she was being rude and she refused to do anything about it let alone consider how her actions came off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
In 2015 I was informed by the staff at XXXX XXXX  that they offered a program that would build credit for people like myself with bad credit. In order to get this service I would make monthly payments into a Certificate of Deposit that they would report every month. I was told that this was a loan from XXXX XXXX  and not a savings account. To access these features I had to open a checking account with XXXX XXXX  to transfer payments. 

So I opened the account as directed by XXXX XXXX. After months of making payments into this account I discovered that no loan had actually been given to me by XXXX XXXX. The money that I was giving the bank went into no minimum Certificate of Deposit and the company was reporting the balance of my personal savings account. Which is a major violation of my right to privacy. Banks are not allowed to report the daily balance of a persons personal savings. Loans yes, but they did not give me a loan they only opened a Certificate of Deposit. I immediately asked XXXX XXXX  to close this account and all accounts associated with it. 

XXXX XXXX  then closed the Certificate of Deposit but Continued to report to all Credit Bureaus that a loan was given. No such loan was ever given. I have made several attempts to report this lie to all the major credit agencies. Each time I have reported this to them it is ignored by XXXX XXXX  which is now First Citizens Trust. 

In addition to reporting a loan that was never given XXXX XXXX, they never closed the Checking account that was linked to the Certificate of Deposit. Because they never closed the account. They continued to charge me monthly fees and overdraft. I have tried several times to rectify this with them and each time they have ignored me and violated my rights. Not only did they lie to me about giving me a loan they have also sold a false debt to multiple creditors. 

Since XXXX XXXX  has closed 5 separate collection agencies have contacted me stating that they own a debt from XXXX XXXX. When I try to explain what happened each time they ignore me and each time they all claim ownership of this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: GA

Complaint narrative:
I had an account with XXXX XXXX XXXX  card it went delinquent an we work out the deal to put the balance on another account an they reopened the account with a new balance an they have not updated they still showing old card open

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 2020-11-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please see attached Complaint Letter, Order/Invoice, Pictures of Defective and Damage Items, and Delivery Documents.

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 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked for the information used to verify a public record thats displaying inaccurate information under my name. I understand that any information thats attached to my social security number or that is being reported, Im entitled to copies of documentation by law. Experian have refused serval times to send me the documentation I have asked for. The company claimed they verified information based on information that previously appeared on my credit report. I asked for documentation of how they verified the inaccurate information listed in a public record and they refused my request stating they dont have to provide that information which make me think they have falsely investigated my request.

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 2020-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2020 Amount of {$750.00} was sent as a deposit payment for a pet that was provided with extensive pictures and videos through a message, with two-way communication. However after sending the initial payment, I was received with an email from a non-registered domain asking for an additional {$2500.00} to " comply '' with a covid-19 related shipping charges. This was unprecedented and completely fraudulent and the attempt to cancel the payment via Online portal was not available due to the method used XXXX XXXX XXXX. The other recipient ( or seller ) stopped responding to my messages. The seller is changing their recipient addresses around, with the latest one asking me to send the additional funds to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
While trying to pay my monthly fee at Capital One this month of XX/XX/2020 I was hampered with not having the XXXX numbers of my closed card handy. Using my social security number I learned that I have 2 closed accounts and one from very long ago that is still open. What??? But the privacy issue is that Capital One claims it tried to send me a text message to confirm my identity and that my phone refused the text. What??? Now they have placed a 'restriction ' on a closed account. I am supposed to send in a picture, front and back, of my driver 's license! I asked several times why they do not use my email address for identity confirmation like other businesses and banks do. They give some kind of run-a-round answer. I have had to hang up twice because they give me a XXXX. They sound like they are into some kind of criminal identity theft. Am I really communicating with Capital One? Remember XXXX XXXX? " Is this the party to whom I am speaking? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, I disputed this account twice which resulted in the account being removed both times. As of XXXX XXXX2020 this account now reappears on my Equifax credit report. I never received any notification that this account would be reinserted on my credit file. Why is this company allowed to remove an item then reinsert the same item with new dates. That is a direct violation of the FCRA. Please investigate this. I would like this item removed from my Equifax credit file just as it has been removed from XXXX  and XXXX. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: DC

Complaint narrative:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.

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 2020-11-08 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: IL

Complaint narrative:
Transunion  put a credit lock and 3 year long fraud alert in my credit report and SSN. I had member services in XX/XX/2020 and no XXXX account showed cup on my file nor did I receive a phone call to request permission to remove the alert for XXXX. Today XXXX XXXX2020, exactly 2 months later Transunion inaccurately added a XXXX collection account on my report after all my accounts were paid off on my report, that shows this fraudulent was opened 2 months ago. This would mean that Transunion put it on my report knowing it was false information and reported false information for the lock, the fraud alerts, and membership alerts would have alerted me and the XXXX account is no where on file In their system. 
On top of this, they refused to allow me to report it after their error was discovered to protect the fraud and misconduct on their end. Attached is proof they refused to allow me to report this from XXXX different devices

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 2020-11-08 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: DC

Complaint narrative:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have not had access to wells Fargo auto account after the company closed their dealer service website. i tried to sign on through the regular website wellsfargo.com and it tells me to re-enroll. Then ask for access to information they have no right to like ( IMSI and IMEI ). They also changed the phone number on my account as well. Sounds like the company is trying to illegally access my phone. I would like for you to contact them and make them give me access to my account.

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 2020-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent JP Morgan Chase Bank a validation request for validation that all required notices under UCC Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: IL

Complaint narrative:
Equifax put a credit lock and 3 year long fraud alert in my credit report and SSN. I had paid member services in XX/XX/2020 and no XXXX account showed cup on my file nor did I receive a phone call to request permission to remove the alert for XXXX. XXXX XXXX XXXX2020, exactly 2 months later Equifax inaccurately added a XXXX collection account on my report after all my accounts were paid off on my report, that shows this fraudulent was opened 2 months ago. This would mean that Equifax put it on my report knowing it was false information and reported false information for the lock, the fraud alerts, and membership alerts would have alerted me and the XXXX account is no where on file In their system. On top of this, they refused to allow me to report it after their error was discovered to protect the fraud and misconduct on their end. Equifax refused to allow me to report it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, Santander was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to SCUSA over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement Santander was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. Santander continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX of XXXX, and continued to default 13 times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and santander 's blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: GA

Complaint narrative:
The debt that XXXX XXXX XXXX is claiming in not a valid debt and no debts are owed XXXX XXXX XXXX XXXX 

In 2017 XXXX XXXX  a closed several accounts that had been opened for months with over drafted balances due to fees XXXX XXXX  added to the accounts. Once the account were closed XXXX XXXX  sold those debts for those accounts to multiple people. In XX/XX/2017 the FDIC sent notifications to me that XXXX XXXX  had failed and all future payments owed to XXXX XXXX  would go threw them. Months later multiple companies contacted me regarding debts owed. One of those companies was XXXX XXXX on Behalf of XXXX XXXX XXXX . The date of this conversation was XX/XX/2017. I spoke to XXXX XXXX regarding this debt several times. During my final contact with XXXX XXXX via phone I asked them for the direct contact information of the company claiming ownership of this debt. XXXX XXXX refused to provide the debt owners information. This was a direct violation of my rights under the FCRA. In accordance with the FCRA the name and contact information for anyone claiming a debt is owed must be provided. XXXX XXXX did not provide this to me at all. Because these rights were violated by a third party acting on the behalf of XXXX XXXX XXXX Any debts they claim are owned are null and void. XXXX XXXX was given a opportunity to verify the owner, the debt amount and come to a settlement. They chose not to do so and never informed XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TICE ASSOCIATES INC
State: NY

Complaint narrative:
I have had active XXXX for most of my adult life ... not sure why I would receive a bill when all did was go into ER for an hour XXXX # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
This car loan belongs to a person sharing the same residence as me. I have a court order stating that I am not responsible for this account, This derogatory information has been placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2020, I contacted Wells Fargo requesting the pay-off balance deducting our escrow account monies for re-finance purposes with another lender. That escrow balance would have reduced our refinanced loan by {$4000.00}. Instead, my refinanced loaned ended up costing/being {$4000.00} incremental to what we anticipated. 

The customer service agent advised me that Wells Fargo does not provide pay-off balances deducting the escrow account balance. However, that the escrow account would be reimbursed separately after the pay-off for the mortgage is received. Further, the escrow monies are not Wells Fargo, they belong to the consumers and that they do not benefit from the escrows. 

I explained to the customer service agent that I never applied for this Wells Fargo Mortgage and that the original lender ( PRMG ) had sold this loan to Wells Fargo. Therefore, I asked if she could send me a copy of the terms and conditions signed by me and the co-borrower agreeing to these terms and conditions. She advised that those terms would have been written and signed to in the original loan with XXXX and she couldn't provide. 

I asked if this was a regulatory requirement or a Wells Fargo policy and the agent responded that Wells Fargo only deducts the escrow amount from the re-financed balance if I were to refinance with Wells Fargo. 

I advised the customer services agent that Wells Fargo is benefiting from this policy/procedure against the protection of the consumers. Further, that Wells Fargo having been in the media several times with consumer violations cited by regulators, that this is another consumer violation and that I would seek legal assistance. I was referred to an executive consumer relations representative who gave no resolution and said she would send a letter which we received and is attached.

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