vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a complaint against Chase Bank for violating my federally protected consumer rights. 

I contacted the XXXX XXXX XXXX, directly but have not received any response. 

*NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* I recently received a copy of my XXXX, XXXX, and XXXX XXXX XXXX. I noticed that it is reporting my experience with CHASE BANK. The line of credit I have with your CHASE BANK. The line of credit I have with CHASE BANK, which is characterized as utilization on my consumer reports, CHASE BANK IS ILLEGALLY REPORTING THIS EXPERIENCE, ( utilizations ) on my consumer reports. 

Amazon Chase Credit Card Account Number : XXXX XXXX XXXX XXXX CHASE BANK is in clear violation of the law. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer, ( ME ) and the person, ( YOU ) CHASE BANK, Making the report is not included on my Consumer Report! 
Utilization is an experience with the line of credit that was extended between the consumer, ( ME ) and the person, ( YOU ) CHASE BANK, the person making the report is NOT INCLUDED on my Consumer Report! CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the Consumer Reports!

YOU HAVE VIOLATED THE FCRA 15 U.S. Code 1681a2 ( A ) ( i ), by reporting this transaction, or experience ( Utilization ) on my Consumer Reports, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below or delete all utilization from the below account : Amazon Chase Credit Card Account Number : XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above utilization will result in legal action being taken against CHASE BANK, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent, Non-Compliance.

3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act, 15 USC 1681 for violations under willful and non-compliance. 616. 15 U.S. Code 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I signed up for a business checking account with a promotion offer of {$500.00} for meeting certain requirements. I met all the requirements say for one due to a banking error. The one requirement BMO claims I did not meet was that I did not make 10 electronic transactions. However I did attempt to make 10 electronic transactions by using the account to pay utility bills online. For whatever reason BMO decided to send the vendor ( peoples gas ) separate physical checks instead of electronic checks or payments. They also charged me for sending people 's gas those checks but have since refunded me after speaking with a rep. I never authorized the sending of physical checks. Since I did send online bill payments to this vendor which were always considered electronic payments with other banks I am requesting that BMO honor this promotion and pay me the {$500.00} they owe.

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 2023-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
I called about a debt I didnt know I had as it appeared on my credit report. I called to make a payment and was treated like trash. Was told I couldnt settle because its a medical bill when I tried getting more information and dispute facts I was met with extreme prejudice stating that I was a person who didnt pay my bills and if I paid my bills I wouldnt be in this situation. I asked to speak with a a manger and was transferred back to the same person repeatedly and he told me I was going to deal with him and I didnt have a choice in who I spoke with. I was finally able to speak with XXXX XXXX Manager her name is XXXX XXXX told me she would take my advice and dismissed my complaint regarding his demeanor since she has never received any complaints for him in 13 yrs. Then she refused to take my payment over the phone. They cant treat people like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I filed claim # XXXX for {$420.00} with Bank of America on XXXX I was told the merchant had 45 days to reply I spoke to the merchant several times to no satisfaction I sent the merchant a picture of the reason for the complaint on XXXX The merchant then responded via text that the money was removed from their account and my request was granted. 
I then reached out to Bank of America several times even going into the branch 3 times to get no results. 
I went into the bank again on XXXX and faxed to them a copy of the text thread stating what the merchant said above On XXXX I called, they told me it was received but I still had to wait for fraud department to respond On XXXX I had appointment at the bank, the representative called and only got the same run around that I did Today XXXX, I still do not have my money or any updates. I am furious right now. I have done all I can on my behalf and still can not get a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Captial one Account # XXXX Account # XXXX has violated my rights. A15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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:
In accordance with the Fair Credit Reporting act The following accounts XXXX XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, Dept of ED/XXXX  account number XXXX XXXX XXXX, XXXX XXXX XXXX account number XXXX and XXXX XXXX, Dept Of EDXXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX They all have all violated my rights under the following ; 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-03-13 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: DISCOVER BANK
State: MA

Complaint narrative:
My complaint is with a financial institution and a credit card bureau. 

I am a customer of Discover Card ( phone ) XXXX ) ( address ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX I applied to Discover Card for a credit line extension on XX/XX/2023. I was told by phone that my XXXX credit bureau report has a fraud alert. I was told to call XXXX and have it removed. I stated to Discover card I did not place a fraud alert on my credit report. I called XXXX credit bureau ( phone ) XXXX. XXXX stated by phone they did not place a fraud alert and they have not at anytime place a fraud alert on my credit report. I made 3 phone calls to Dicover Card and 2 phone calls to XXXX. 
This incorrect mistake can be solved with communication between the two companies.

Discover Card said they won't call or contact XXXX solve mistake. 
XXXX stated they will not call or contact Discover Card to solve mistake. 
I would like this mistake resolved and fraud alert removed from my Discovery Card credit line extension application? This has caused a stop on my credit line extension application. Please contact me about solution Thanks-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
BofA accepted payment to a closed credit card account and will not refund the credit. 

We have called customer service and all representatives said the account had been closed and that we would get a refund within 10 days. 

The online statement shows that BofA has not closed the 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 monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On Tuesday XX/XX/XXXX I contacted Transunion, XXXX and XXXX to dispute incorrect information that is reporting on my credit report. I also mailed certified letters to each bureau on XX/XX/2023 to officially dispute the inaccuracies. As of today XX/XX/2023, the inaccurate information is currently reporting.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On Tuesday XX/XX/XXXX I contacted XXXX, XXXX and Equifax to dispute incorrect information that is reporting on my credit report. I also mailed certified letters to each bureau on XX/XX/2023 to officially dispute the inaccuracies. As of today XX/XX/2023, the inaccurate information is currently reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I use to have an account with care credit and it was closed due to non activity. 

I just recently re-applied for an emergency and I got pre approved for {$2000.00} I had to use this website link to verify my identify and it had me take a picture of my barcode. I dont have the best camera In the world and I dont know why they have such a horrible system in place but I wasnt able to get the barcode to read with the system and they denied my application because of that. 

I wasnt provided an alternative method of verifying. So the letter is lying. 


I wasnt giving any information on how to move forward and this is annoying and a silly process because what if a person doesnt have a cell phone? What if a person doesnt have a camera. There should be other ways to verify someone besides the method I was given. 

I need this application to go through and this is important to get an understanding of how to move forward.

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 2023-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
During the week of Monday XX/XX/XXXX I was informed that I had a soft decline on a HELOC application with US Bank due to my student loan debt. I provided all of the additional documentation including XXXX XXXX guidelines showing how to calculate the monthly debt to income ratio with student loan payments. 
I provided the following documentation : 1 ) My student loan has been approved for discharge 2 ) I am currently in an income driven repayment plan and my student loan is currently in forbearance and is scheduled to be in forbearance until XX/XX/XXXX. 
3 ) My scheduled monthly payment is {$83.00} In spite of this documentation the lender has insisted on using a monthly repayment amount of {$4200.00} and denied me a product I am otherwise eligible for.

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 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I attempted to make a deposit of {$420.00} on XX/XX/23 at a PNC bank atm located at XXXX XXXX XXXX. XXXX, XXXX XXXX, FL onto my XXXX account. I received the following error message " action selected is not available at this time '', please retry ''. The ATM did not dispense the money back to me. I attempted to call the bank to inform them of the incident, but I received the message that the bank was closed. I went to the bank Monday XX/XX/23 morning at XXXXXXXX XXXX to speak with a teller to inform them of the incident. I was told to contact my bank or servicer, which is XXXX. XXXX would need to submit a dispute with the bank. I have contacted XXXX multiple times, and I was informed that the transaction isn't showing on their end, and they can't assist me any further. XXXX told me to contact PNC bank to resolve the matter. I called PNC bank customer service, and I was told that only XXXX could submit a dispute. I have went back and forth between XXXX and PNC bank and neither of them have been able to assist me with this matter. I attempted to obtain information of the ATM servicer, but I was told that only PNC bank customer service number is available on the ATM, and XXXX picks up the cash from the ATM. I am trying to obtain information on how to resolve this issue because the funds are needed desperately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13 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: FL

Complaint narrative:
Applied for XXXX XXXX XXXX upgrade which was issued. Then tried to increase credit limit. This was denied with the reason you are participating or have recently participated in a payment relief or deferral plan. This is false. We have a credit rating of XXXX which we verified on the XXXX app. We went through this several months ago with my wifes XXXX card. There is something very wrong. We made several calls a few months ago and the people we spoke to said there was nothing they could find but XXXX continues to send this report. Have been a customer of XXXX for 23 years. Dont think we will make it to 24 years but I want this information fixed

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 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank advertises on their website bonuses they will pay if a " new customer who has never had a Citi account '' There are at least 5 bonuses that pay a bonus when you select which bonus and account a person wants. I choose Citi Priority Checking Account that required me to open and fund the account with $ XXXX. I did that. Over the course of about 90 days give or take a few the balance could never drop below $ XXXX and mine never did. The checking account paid ZERO interest just a bonus. The bonus I am due is {$500.00}. I have called Citi at least 7 times because they have not paid me. After the 100 days past I was free to take my cash and I did.I left {$50.00} in the account because they required the checking to be opened to deposit the bonus. I have spoken with 2 supervisors who walked therough all of the guidelines and both said I should get the bonus. They informed me they could not do anything because bonuses were handled by " Citi back office '' and they don't take calls. Today I asked for someone higher with authority to handle my problem, was told there is no one. Today was told if I did not get the bonus I'm out of luck. I have 2 other friends that the same thing has happened to them. We opened the accounts on the same day. I hope you can help me get my bonus please.

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 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On Friday XX/XX/XXXX at XXXX, I attempted to deposit {$2500.00} of cash into a Bank of America drive-through ATM ( 24 {$100.00} bills, 5 {$20.00} bills ). The ATM timed out after about 10 minutes and only credited me {$300.00}. The address of the location is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. 

I went inside the branch to file a complaint, but they told me to call the claims number and provided me with the number. 

I called the claims number and filed a claim. Since I was only credited for {$300.00}, the claim is for the remaining {$2200.00}. Every time I try and get an update, I am told to wait 45-90 days for a resolution. I have also not received a provisional credit for this, despite being told I would be when I filed the claim. 

I was moving this money from my XXXX XXXX XXXX XXXX account to my Bank of America account, so I have a paper trail of my withdrawal from XXXX of {$2500.00}. I also took a video/photo of the Bank of America ATM screen because it was spinning for an unusual amount of time. 

I have attached the photo of the Bank of America claim number, a photo of the ATM screen, and a screenshot of XXXX XXXX XXXX XXXX account that I withdrew {$2500.00} from to deposit into Bank of America.

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 2023-03-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX was able to fix the non reporting of my mortgage on XXXX and XXXX only. Currently Equifax still is not reporting my mortgage and this needs to be fixed quickly since my score has dropped due to this issue. Please help assist in assuring Equifax properly reports my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I HAVE LETTERS FROM XXXX ON XX/XX/23 AND EXPERIAN XX/XX/23 AS IT PERTAINS TO A " BANKRUPTCY " THAT I FOUND ON MY CREDIT REPORT, AND I CHALLENGE THE ACCURACY, COMPLIANCE AND REPORTABILITY OF THIS LISTING.AND I ALSO ASK BOTH ( XXXX & EXPERIAN ) TO VALIDATE THIS INFORMATION WITH THE ORIGINAL CREDITOR... BOTH CREDIT BUREAU 'S SENT LETTERS BACK. 
EXPERIAN : THE COMPANY THAT REPORTED THE INFORMATION HAS CERTIFIED TO EXPERIAN THAT THE INFORMATION IS ACCURATE. 
XXXX : VERIFIED AS ACCURATE

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 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AR

Complaint narrative:
I've tried to explain to these people this isn't my debt, but they keep sending me collection letters. The last one was on XX/XX/2023.

Company response to consumer: Closed with explanation