vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This complaint is against JPMorgan Chase Bank. 
I opened an account around XX/XX/21 made a deposit of {$1200.00} on XX/XX/21 account restricted called loss prevention several time had to verify my identity, did that still restricted, went to institution asked why my account has been restricted, All representative of JPMorgan Chase Bank stated " back office restricted and they don't tell us why ''. Following day I Called loss prevention agian, the restriction was lifted, account then restricted agian on XX/XX/21 after an unauthorised transfer was attempted by JPMorgan Chase bank on XX/XX/21 that was scheduled for XX/XX/21 costing me {$15.00} NSF fee from my account atXXXX XXXX XXXX my account has been restricted since XX/XX/21, I have not had access to do any transactions to the present date of filling this complaint. My present balance was {$1300.00}. On XX/XX/21 I called to check my balance and was informed by automation my account balance was {$950.00} I had no pending transaction nor was I able to perform any transactions. 
On XX/XX/21 an XXXX XXXX " branch complaint escalation group '' contacted me and said they closed my account and would be mailing me a check in 7 to 10 business days. As of the date of this complaint, I have received nothing with no communication from JP MORGAN CHASE BANK. 

Please see list of contacts and dates documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I reached out to Transunion several times about these inaccurate collections that's reporting on my credit report.They sent me a letter stating they verified the information.they did not send me the original documents that was signed in which violates my hippa rights, At this moment I'm not threating to take legal actions against Transunion.I will because i have the paperwork to prove they have violated me as the consumer and made false allegations to keep this reporting on my credit report

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 2021-07-19 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: MA

Complaint narrative:
This letter is about the following accounts : XXXX XXXX XXXX # XXXX, which you claim, I owe [ {$57.00} or my account was charged off {$57.00} ]. XXXX XXXX XXXX # XXXX, which you claim, I owe [ {$440.00} or my account was charged off {$440.00} ] .This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I received an offer from Wells Fargo via email on XX/XX/2021 which offered 10 % bonus rewards on my first purchase at a grocery store and first purchase at a gas station on or before XX/XX/2021. I have two credit cards with Wells Fargo and the offer was shown for both cards on the rewards website. I received the bonus rewards for the first qualifying purchases on each card but not the second purchases. I have contacted Wells Fargo multiple times, and also submitted a complaint through the better business bureau, the response I received led me to think that the complaint wasn't actually read because the transaction that I was referencing were not the transaction that they mentioned. I made a purchase at XXXX XXXX XXXX XXXX XXXX MO on XX/XX/2021 for {$130.00} using my Propel card which should have earned 1320 bonus points. I also made a purchase using my Cash Wise card at XXXX XXXX # XXXX XXXX MO {$220.00} on XX/XX/2021 which should have earned {$22.00} bonus cash back.

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 2021-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
My mortgage is with Citizens One. I submitted a loan modification application in XX/XX/XXXX. I was initially advised to allow 45-60 business days for processing. I called each month to check the status of my application. Each time I was advised that my request was still pending review/decision with an underwriter. However, today ( XX/XX/XXXX ), I called Citizens and was advised by my lender that I was denied on XX/XX/XXXX. To date I have not received any written correspondence regarding this, nor has anyone contacted me to inform me of this status change for my application. I was told to reapply and see what other options are available. I feel so uneasy about this because I was not aware for over a month that I was denied. Had I known this sooner, I would have been exploring other options for my home. I am resubmitting another application today, hoping that my lender does not repeat this lack of communication issue with me again. I'm doing everything within my power to be positive about this and I'm really relying on my faith in God to help my family and I keep our home. I'd also like to go on record and advise that I called on XX/XX/XXXX and scheduled a payment with an agent. That representative used the wrong payment method & account number when she completed my request. 

On XX/XX/XXXX, a manager with Citizens One named XXXX confirmed that she listened to the call and there was an error on behalf of the agent. In turn, this caused my bank to charge me two insufficient funds fees. I was told that the fees would be refunded but they never were.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-07-19 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: GA

Complaint narrative:
Hello, I have made multiple attempts obtaining my Equifax consumer report online, only to be blocked from receiving it. When I advise company of issue they seem to place blame on website issue. I have not seen my equifax report since in last 2 years due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Ordered five {$100.00} pre-paid VISA cards through our PenFed Rewards program. Received XX/XX/XXXX with expiration date of XX/XX/XXXX. Contacted Penfed on XX/XX/XXXX because we didn't realize they expired so quickly. Asked for new cards to be issued in the amount of {$500.00} and that we were willing to pay the {$5.00} processing fee per card to do so ( {$5.00} x 5 cards = {$29.00} ), as printed on the cards. Penfed refused to credit the money or re-issue the cards, so I asked to speak with a supervisor. Received a phone call on XX/XX/XXXX and was told the cards could not be re-issued, nor could our {$500.00} be sent to us via check, transfer, etc. They also said they would not refund our reward points spent ( XXXX  points ) to negate the {$500.00} loss. I asked to speak to that person 's supervisor and received another phone call on XX/XX/XXXX. I was told they would credit our reward points balance with XXXX points. So, at this point, we only received half of our points back, so we effectively lost {$250.00}.

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 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is a response to a closed CFPB Complaint XXXX with American Express. XXXX XXXX for American Express Customer Advocate Services Team answered my complaint and provided letters and other documents. In a XX/XX/2021 letter from American Express " Based on your credit report, you are or have been past due with other creditors. '' American Express response is troubling due to the fact I have no past due accounts with creditors. My profession is XXXX XXXX XXXX and I am updated every day by XXXX and I have yet to receive an alert about a past due account. American Express claim is bogus and a blatant lie that was caught by me during the complaint process. Since American Express closure of my account I have been approved for a {$93000.00} car loan and {$20000.00} credit card. Being past due with creditors does not allow me this luxury. Shame on American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: LA

Complaint narrative:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 35 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
This is a formal complaint against Security Finance Corporation located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Security Finance Corporation has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol One XXXX XXXX XXXX XXXX VA XXXX Continues to send me unsolicited pre approved offers, although I am on the list not to receive them. I entered my data about a month ago, and was told it would take them 2 weeks to remove, as at that time I informed them to take me off their mailing list.

At the end of last week, I received 5 prepaid offers from them, and called again, They are now saying this will take " about 45 days '' to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am higghly upset that the credit bureaus have not responded back to me about my investigation. this is extremely important to me I need the accounts that dont belong to me to be deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: I.C. System, Inc.
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2021-07-19 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: TN

Complaint narrative:
I am a victim of Identity theft. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX, I signed a contract with XXXX XXXX for payment of my granddaughter to attend XXXX XXXX XXXX in XXXX XXXX, Florida. Comity Capital Bank ( Acct. No : XXXX ) was the servicing agent for XXXX XXXX. Due to Covid-19, XXXX XXXX XXXX in XXXX XXXX closed their doors. In addition, my granddaughter moved away and could no longer attend XXXX XXXX XXXX. In or about XXXX of XXXX, I contacted XXXX XXXX XXXX in XXXX XXXX and advised them that my granddaughter had moved and will no longer be attending XXXX XXXX XXXX at any location. As a result, the contracts with XXXX XXXX XXXX and XXXX XXXX  was terminated. 

On XX/XX/XXXX, Comity Capital Bank advised me that I am responsible for the balance due on the loan of {$4800.00} XXXX {$7500.00} - XXXX credit ). This amount is incorrect and did not take into account the monthly payments that I had been making since XXXX of XXXX. In addition, because of Covid-19 and XXXX XXXX XXXX 's failure to timely resolve this matter, Comenity Capital Bank has improperly been charging me late fees of $ XXXX. I have attempted to resolve this matter with Comity Capital Bank ; however, they refuse to correct the problem. Instead, the bank is reporting me delinquent on a monthly basis with the three credit reporting agencies for the sole purpose of destroying my credit. As a result of the banks actions, my credit rating has dropped over XXXX points in the last seven months!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This month I was late making payments to two creditors. Lowe 's is charging me {$40.00} because I miss the cutoff time for processing. My balance was paid in full and was credited the day after due date. Now I find out that PayPal has charged me a {$40.00} late fee and I was legitimately late. But here 's the problem. They have no real person you can talk to explain why you are late. I'm the sole caregiver for my mother who was recently hospitalized and required round the clock care upon being released. Clearly my first priority was her welfare and not my own affairs. Now I am out {$80.00} dollars that I can little afford. So tired of getting XXXX by credit card companies. I am rarely late on my payments but they don't care if you're struggling or overwhelmed with things beyond control. So yes I want to complain loudly even if it does no good.

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