vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase is currently running a promotion where they will deposit {$900.00} in newly opened checking/saving accounts with new customers providing they initiate direct deposit into the accounts and deposit {$15000.00} in new funds into the Savings account within the first month. 

HOWEVER, Chase does not allow transfers into new accounts. They advised me to deposit checks instead. HOWEVER, Chase only allowed a maximum of {$7500.00} in check deposits into an account in a single month, forcing me to do 2 deposits : one into Checking and one into Savings. Chase then put a hold on the second check to deposit to expire the day AFTER the terms of the promotion end, thereby voiding their obligations as I am unable to meet the terms of the promotion by having {$15000.00} in specifically the Savings account by XX/XX/XXXX. 

The end result is that Chase gets to keep the gains of having {$15000.00} in the account but will not have to payout the promotional bonus to do so. 

I contacted Chase to release the hold, but they have refused to do so, stating that " The funds do not qualify for early release as this is a new account. '' No kidding. That's the WHOLE POINT of a new customer promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
cause you guys are the reason why I have Identity death and fraud in my credit, I have wrong Eviction information on my credit report, for years I been suffering with wrong Information you guys put on my report, I can't buy a house, I can't rent no place, homeless all cause of wrong report, I can't even buy a car, from XXXX to XXXX 4 years off suffering thank you.

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 2024-12-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I've consistently had issues with this AMEX XXXX card, similar to issues with another e-gift card I received in XX/XX/XXXX. 

As XX/XX/XXXX, I can no longer use this card to add funds to my XXXX account balance. It declines everytime, even though I've successfully done it before without issue. It has declined {$25.00} and {$50.00} purchase attempts. 
This card also won't add to my XXXX XXXX, which means I can't use it at retailers that accept XXXX XXXX as a form of payment. 

Other failed purchase attempts, all attempted in XX/XX/XXXX, include : XXXX XXXX XXXX order ( approximate {$20.00} order ), -XXXX  app XXXX ( approximate {$10.00} order ), -XXXX  online orders ( approximate {$40.00} order ), XXXX XXXX  app order* ( I was able to place XXXX order through XXXX 's XXXX with this card, but all following attempts were declined ) all orders were between $ XXXX. 

Currently it only seems to be working with purchases made through XXXX 's website. Even so, anytime I use it there or at another retailer, it is a toss up as to whether it will actually work. It is extremely frustrating to receive a gift and not be able to use it easily, especially when AMEX is supposed to be used anywhere and everywhere in the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Re : XXXX XXXX Accounts on my credit report I received notice that you verified certain items on my credit report from the following companies : 1.XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in identity theft. So, which is it? 
Supply your response within 15 days or delete the trade-lines. 

Best Regards,

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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EGL US, LLC
State: PA

Complaint narrative:
I have been contacted multiple times at various times throughout the day.. EVERY day.. I advised the companies that these debts are not mine and that I have filed an identity theft report. I have not opened these accounts that they are saying are in collections from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
XXXX closed on a home with an assumed VA loan. 
XXXX created an online account and scheduled payment for XXXX monthly recurring for mortgage payments. 
Approximately XXXX weeks later app updated and refused to let me have access to the account. 
Called customer service and was informed I would not be able to create an account. Website information does not say assumable loan won't have access to online portal. I called again to ask for further clarification and was told to wait a month. It has been over 2 months since assuming the loan and I do not have access to the online account. 
XXXX phone payment scheduled and deducted from my checking account along with the automated payment that had been previously scheduled. 
XXXX called again and told that no freedom Mortgage assumable loans have online access and this information is not displayed anywhere on their website or communicated ahead of time.

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 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tilt Finance, Inc.
State: MD

Complaint narrative:
I had been an Empower customer for several years. I used them for small, short payday " Floats '' of up to {$220.00} every couple of weeks. Several months ago, EMPOWER notified me that they could no longer serve residents of Maryland after I had applied for XXXX of the loans. Subsequently, they took {$8.00} per month from my checking account ( XXXX ). Even though they knew beforehand that they would not give me a loan. Today, in fact, they took another {$8.00} from my checking account. Subsequently, but not yet knowledgeable about the {$8.00} fee charged to my account, I applied for a {$150.00} loan. They again turned it down due to my Maryland residency. I took {$8.00} from my account the same day. They make it very hard to find out how to cancel the account on the app. I eventually had to email help support and get the account closed. At least I hope, so I am not subject to further fees. I'll say this has been going on for XXXX plus months. As far as I'm concerned, I am out {$48.00} for fees that did me no good.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I reported suspicious activity on my Credit card for {$22000.00} on XX/XX/year>, at crypto.com. I have received Navy Federal Credit Union ( NFCU ) letter dated XX/XX/year> concluding that there is no billing errors regarding this transaction. 
On XX/XX/year>, I requested NFCU to provide me with the information used in their investigation ( attached letter and certified mail receipt ), but I have not received any response. Instead, I received another letter dated XX/XX/year>, stating that NFCU conducted a second review of the fraud claim, which I did not request. In the same letter, NFCU concluded that there were no issues. I did not request a second review ; rather, I'm requesting to the information NFCU used in their investigation, including but not limited to : XXXX. The specific information and documentation reviewed during the investigations. 
XXXX. Any policy guiding you to your conclusions. 
According to the Electronic Funds Transfer Act ( EFTA ), I have the right to request the information Navy Federal Credit Union ( NFCU ) used to make the decision, and NFCU has failed to provide it to me. Additionally, I do not have any account with crypto.com, and I am not responsible for this transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card accounts and loan accounts opened at Discover XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and collections account opened at XXXX XXXX XXXX on XXXX XXXXunder the account number ( XXXX ) with a balance of $ ( XXXX ) and XXXX XXXX XXXX under the account number ( XXXX ) with a balance of $ ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX and XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX, XXXX and XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
On XX/XX/year>, I received a call from Roundpoint Mortgage Servicing regarding a missing payment. It was revealed that an increase of {$120.00} had been added to my escrow account, but I did not receive any prior notice of this change. During the call, the representative assured me that " it would be fine if you pay the balance. '' The following month, I was charged a late fee of {$87.00}. I called the company to inquire about how the fee was calculated, and the representative explained that it was based on the overdue amount. She mentioned that her supervisor would follow up with me to explain the details, but I never received that call. 
Given that the overdue amount was {$120.00} and the late fee charged was {$87.00}, this results in an annualized interest rate of XXXX XXXX, which I find excessive and unreasonable. I would like the agency to investigate this potentially unfair and illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the sudden and unexplained reduction of my credit limit by Chase, which has caused significant inconvenience and frustration. 

I have been a Chase customer for XXXX years, and my account reflects a consistent history of timely payments with no late payments. Over the past XXXX months, I have made several payments that fully covered any outstanding balances. While my balance recently increased to {$4500.00}, this amount is well within my previous credit limit of {$17000.00} and is entirely manageable. 

Chase reduced my credit limit from {$17000.00} to $ XXXX drastic reduction of over {$12000.00}. Chase claims they provided prior notice of this credit limit reduction. However, as someone who travels frequently for business, I did not receive any notification before XX/XX/XXXX. Additionally, Chase heavily relies on its app for communication, yet they failed to notify me through the app until XXXX XXXX after I contacted them to understand why my card was repeatedly declined. 

This abrupt action, taken during the holiday season and while I was traveling for business and relying on the card to cover expenses, is unreasonable and disruptive. Chase 's failure to provide timely notice and their lack of consideration for the timing and impact of this decision have caused significant hardship. 

I request that the CFPB review this matter and ensure that Chase addresses their communication failures and reconsiders their decision to drastically reduce my credit limit without proper notification or justification. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX regarding their continued restriction of my access to my credit report, despite my compliance with their documentation requirements. I submitted the necessary documents requested by XXXX numerous of times since last year, including types of documents, proof of identity, proof of address, along with a cover letter as requested. However, I have yet to regain access to my credit report, and attempts to resolve this matter directly with XXXX have been unsuccessful. 
This issue has caused difficulty applying for credit, inability to monitor my credit, and I believe XXXX actions are both unreasonable and detrimental to my financial well-being. 

I respectfully request that the CFPB investigate this matter and assist in ensuring that XXXX restores my access to my credit report promptly. Please let me know if additional information or documentation is required. 

Thank you for your attention to this issue. I look forward to your response. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Re : XXXX XXXX Accounts on my credit report I received notice that you verified certain items on my credit report from the following companies : 1.XXXX  XXXX  Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in identity theft. So, which is it? 
Supply your response within 15 days or delete the trade-lines. 

Best Regards,

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