vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase offered XXXX bonus points on my Chase Sapphire card for opening a checking account with Chase and depositing {$75000.00}. 

I opened an checking account and deposited {$75000.00} there. 

In XX/XX/2019, I received an email from Chase stating that I will see the points on my next statement. 

I never got my points. 

I have called Chase probably 10 times, each time spending 20 minutes to 1 hour on the call. In addition to calling Chase, I have also called, and spoke with, the branch manager where I opened my checking account. The story they told me is as follows : ( 1 ) initially Chase mistakenly credited the points to a different credit card of mine -- a credit card that was not set up to get points. ( 2 ) then, they credited the points to an old account of the right credit card ( I had to get a new card because of fraud ). For some reason, the points were not transferred to the new card. 

Chase 's " research department '' started the " research inquiry '' process at least three times and each time erroneously closed it before talking to me and before resolving the issue. I have their phone number but they never pick up the phone and never call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2019-11-01 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank was hacked this summer. Fraudulent charges began to be made on my card soon after. I called to report the fraudulent charges, close that account, and foolishly agreed to receive another " XXXX XXXX XXXX Capital One '' card. Charges continued to be made - to my old account and even the new one before I ever received it. I called again and was assured that the issue was/would be resolved, and that I would be billed only for the ONE charge I made at the beginning of the first billing period. Now, two months later, I receive a bill from Capital One for one of those contested charges, made to a XXXX XXXX XXXX  in Ohio. I live in XXXX Texas and have never been to Ohio. I called to ask why I was sent a bill for a charge I had already contested. After speaking with a couple of " representatives '' and put on hold numerous times, I finally spoke with a " Fraud representative '' XXXX who tried to tell me that Capital One had given me " two credits for one incident, '' and that the bill was correct. I asked the very simple, logical question : How could I be billed for his company 's error in charging me for a " credit '' that I never received financially or physically? How could I owe Capital One something I never got a product, service, or good from? XXXX kept telling me the same thing over and over, " We gave you two credits and now we are billing you for the credit we gave you. '' I began to get angry and told him I was not XXXX ( college degree plus ) and that I refused to pay this bill. I told him I would report him and his company, and that I would contest any further charges from Capital One with the aid of a lawyer. Thirty minutes ( or more ) after my phone call began, XXXX finally offered to give me a " goodwill '' credit to " pay my bill '' and make it a XXXX balance. My complaint with Capital One is the HASSLE of having to ( 1 ) Make this call ( 2 ) Spend so long talking about a  problem that is Capital One 's fault, not mine ( 3 ) Go to all this trouble for a simple resolution for what should have resolved by the first person I spoke to. I can not imagine how often people mindlessly pay these types of " bills '' to Capital One, and how often they argue with their " customers. '' I will never again use anything connected to Capital One. If I get another bill from them for the reported fraudulent charges I will file a lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Block, Inc.
State: PA

Complaint narrative:
I borrowed {$4500.00} from Square Capital and was required to make 3 installment payments. I made all three payments and have proof. Square will not acknowledge the final payment. I have sent them proof multiple times of the payments. They call, email and harass me attempting to collect a debt that is already paid. The loan has been paid in full since XX/XX/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 2019-11-01 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 ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This was reported late 90 days yet there is no prior reports of late from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX & XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This was reported late 90 days yet there is no prior reports of late from that.

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 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: VA

Complaint narrative:
On XX/XX/2019, I received an email from Checkr ( XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, CA XXXX ) company stating : 'Hello XXXX, Attached is a copy of your background report. 
The company that initiated this background check has received a copy of the report as well. If you have any questions about your status with that company, please contact them directly. 
A Summary of Your Rights Under the Fair Credit Reporting Act is attached and can also be found here. 
Checkr will have no further updates for you, as your background check is now complete. 
Best regards, Checkr Inc https : //applicant.checkr.com " I do not remember giving consent to any company or anybody whether it is a credit card company, bank, business.. to initiate a credit or background check on me. 
I want to know who is the entity who asked for my background check without my consent, and I think I should know as a US citizen. 
sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/2019 Santander allowed an erroneous and unauthorized charge of {$270.00} to my checking account through my debit card. I learned of this after this unauthorized charge caused a series of small items that I knew about to have non-sufficient funds resulting in a cascading effect of charges. This is the detail on the erroneous charge : Date : XX/XX/2019 Amount : - {$270.00} Type : Posted products_Acc_mail_description : XXXX XXXX XXXX /GA US CARD PURCHASE I immediately cancelled my debit card and have been playing phone tag with Santander for five days now trying to get them to fix this problem.

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 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Over the past 1.5 years, I've tried numerous times ot get my free annual credit report on XXXX. I can pull XXXX and XXXX, but for some reason EFX continues to populate the Auth Interview, I take it and pass, and I'm greeted with a message that reads, " Online Delivery Unavailable '' and tells me I have to write into EFX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I was assaulted at a venue. I woke up in the E.R. and I found nothing missing from my wallet. Before XX/XX/XXXX I was under a lot of distress because of personal problems. I was not living at my mailing address or at home. However ten months later on XX/XX/XXXX once I was in a better state of mind. I went to J.P. Morgan Chase to make a deposit to my business account and this was the day that I discovered that I had been a victim of Identity Theft. I believe that someone at the venue which I had attended made a duplicate Debit Card and got my pin number from the A.T.M located with in the venue which I had attempted to acquire sufficient funds to enjoy my night. However the A.T.M at this venue did not disburse any money over the several attempts that I tried to acquire money from it. After not being able to acquire money from this A.T.M I paid for my drinks with my business Debit Card and that was the last thing that I remember before I woke up in the E.R. Once I was released from the E.R. I was allowed back into my residence and was allowed to recover their. Furthermore once I discovered that I was victim of Identity Theft and did some investigation I discovered that my Debit Card had been used on XX/XX/XXXX at another location while I was back at home recovering from my XXXX XXXX with XXXX XXXX. I would like Chase to reimburse my account for the full amount that was stolen from my account while I was not in the right state of mind. I was under the impression that as a Chase customer my funds would be protect by the F.D.I.C up to XXXX. So I do not understand why my money is not being protected and as to why Chase bank never altered me of when they saw multiple charges made to a single restaurant in one day. This boggles my mind. How could this not be a red flag? Why did Chase not contact me immediately to see if I had made these charges when they had done so in the past?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XX/XX/XXXX & XX/XX/XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
Recently, I have received phone calls from a collection agency named Hunter Warfield. They claim that I have an outstanding balance of {$540.00} owed on a previous rental property. They are also telling me that if I do not pay it immediately, they would damage my credit report by reporting it to XXXX, XXXX, and XXXX XXXX. 

First of all, I have explained to Hunter Warfield, that I resolved my account with my former landlord some time ago, so their collection efforts are unwarranted. Additionally, I have requested that Hunter Warfield provide me with documentation from the previous landlord, which details the charges that constitute the supposed {$540.00} debt. Their representatives refuse to send me anything in writing. They simply state that if I do not pay them {$540.00} right now, they are going to hurt my credit.

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 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America requested additional documentation : Green Card,  tax return, bank statement - everything was mailed, and then I relieved a letter with a decline reason : " unable to verify information ''. I have several CC approved already. Somehow they were able to verify, but not BOA. I tried to contact them via the phone to no avail. 

Application Reference # 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 2019-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased an item through a seller and paid {$1000.00} in two separate transactions of {$500.00}. I sent the money through XXXX and the person disappeared and never sent my product. I tried to cancel the payment with XXXX and also filed a claim with WellsFargo. I am a XXXX so losing $ XXXX in a scam is very hurtful. Even more hurtful is how unwilling my bank is to help in this 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 2019-11-01 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I have been a victim of identity theft and I became aware of this back in 2009 when my wife passed away. I have been to the police and I have gotten identity theft reports created by the FTC. None of these are signed they are electronically signed. They have been accepted by every entity including federal court and state courts and yet one entity is claiming that I need to get these things manually signed. XXXX, Is the entity claiming I need to get it manually signed yet the law does not state that or want that or require that. I have said they are breaking the law and they refuse to talk to me further because they hang up. They are not obeying the law they are trying to rewrite the laws and only Congress can do that.

I am including a copy of my original report and the one that I had certified and notarized to show what they made me go through and the law does not require that. That wasted time and money because they think they can re write the laws of Congress with their own policies because they want it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My Navient account record states that my private student loans were sold three times in the past seven years : on XX/XX/XXXX for {$15000.00}, on XX/XX/XXXX for {$16000.00}, and again on XX/XX/XXXX for {$11000.00}. 

I was never notified about these sales and I do not believe that Navient has legitimate ownership of them, yet Navient continues to send threatening letters to me and make harassing calls to my phone number, saying they intend to escalate collection efforts and initiate litigation. I am XXXX with XXXX XXXX XXXX and have {$0.00} income and no assets, and I have informed Navient of this situation, yet they continue to harass me daily for collection of these loans which are not owned by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DPT ED/NAVI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: CA

Complaint narrative:
Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
My mother received a rude and threatening phone call on XX/XX/19 @ approximately XXXX XXXX regarding contacting me about my loan. A friend received a call at approximately XXXX XXXX on XX/XX/19 for the same. Neither have anything to do with my loan, have no information regarding my loan and know anything about my loan. I have also been receiving up to 5-10 phone calls per day from various area codes around the United States and with Navient 's caller id both, leaving both robocall and live person messages. I have attempted to lower my payments and requested multiple times deferments and have been denied. I can not pay {$1600.00} a month. That's almost my entire monthly take home pay. Navient refuses to work with me and are now harassing my friends and family to get the debt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a Bank of America customer for over 27 years. In XXXX of last year my husband passed away. In XXXX of last year an acquaintance of mine stole checks from my home as well as my debit card information. In the following 11 months this person used the checks and the debit card information totaling transactions of approximately {$20000.00}. 
During this time I was not alerted by the bank to any fraudulent activity although it was obvious the checks were not signed by me and the debit card spending was very unusual activity. I became aware of all this in XXXX of this year and to date the bank has not returned my money.

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