vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 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: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is my Third complaint : please reference XXXX & XXXX. 

Chase closed my checking account because of failure to validate the validity of 2 out of 3 checks Deposited.

I was told by Chase support that the Issuer of the checks needs to place a stop payment. I am being told by XXXX XXXX  & XXXX XXXX XXXX XXXX that they can not place a stop payment on a check for which the funds have been transferred. The checks cleared the issuing bank so i am being told its out of there hands. 

This nightmare started in XXXX. I have not been able to get any help from chase. 
I wait for 20/30 mins every time i call the support number only to be told the same Information. I walked into a chase branch and was told by the branch manager that this is a common occurrence and I should save my self the time and aggravation and consider it a loss and move On. 

I am suffering considerably as this Drags on. I was late with my rent for XXXX, I used my XXXX checks to catch up with my rent. Tomorrow is XXXX and i dont have my rent money at all. I will be fined XXXX dollars for everyday it is late after the first 5 days. 
I may not be able to pay my rent until the third week of XXXX which means i will have to pay an extra XXXX dollars. I have put XXXX XXXX  i had planned on hold because now that i lost what inessentially totals 3 weeks of my labor things are just going down hill. I am being charged late fee, My credit score is going to be effected.

i have not made my child support payments, If i am more then 90 days in the rears they may suspend my drivers license if that happens i will lose my Job.

I dont know what else to do or to say. I desperately need assistant in having my money returned to me. Chase is ruining my Life and the worse part is Chase does this with impunity to Thousands of middle class and poor people. There are stories online about chase doing the same thing. The branch manager i spoke to admitted he has people come in on a regular basis and all he can do is refer them to the same support number that does not help at all. 

Please i know XXXX dollars is not a large sum of money but i need it so terribly bad. 
I didnt realize how quickly things spiral out of control. I have heard stories of 1 emergency destroying a persons life because of a small debt. Now im living it and i cant find anyone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XXXX of this year there was 8 charges of XXXX e card from XXXX on line, they did stop the charges after the 2nd one, Bank Of AMERICA then sent me a email about false charges, I told them this was not mine, thet sent me a new Credit Card, and went to dispute the charges. in XXXX, 2021 they send me a letter saying XXXX said I ordered all of these cards, which was not true, I disputed it again and the sent me another letter two days ago saying these were my charges. I am a very honest person and never, ever did this charges, 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 non-monetary relief
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: MA

Complaint narrative:
I opened a cash management account at SoFi called SoFi Money. The deal which is to expire on XX/XX/2021, is that once {$100.00} is deposited, the account will be credited with {$25.00} and then if a direct deposit of {$500.00} or more is made, the account will be credited for an additional {$75.00} bringing the total to {$100.00}. 

On XX/XX/2021, I transferred {$100.00} from my XXXX XXXX XXXX account initiated at the SoFi Money website. During the same time, I received an email stating that if I made a total of {$1000.00} in direct deposits in 10 days, I would receive {$100.00} Confused by the change in the deal I called on Monday, XX/XX/2021, and spoke to XXXX who stated that the deal has changed many times and his understanding was that if a total of {$1000.00} was made thru direct deposit during any 60 day period in the account, that {$100.00} would be credited. 

On the next day, XX/XX/2021, I received an email from SoFi congratulating me on scoring {$25.00} since I opened a SoFi Money account and inviting me to open a SoFi Investment account.

It seemed that this reflected the original deal of getting {$25.00} upon opening a SoFi Money account to which {$75.00} would be added if I made a direct deposit of {$500.00} or more.

I asked for written confirmation and SoFi refused. 

I am tired of talking to people who have no control and are not responsible. I want SoFi to honor the original deal. I want the {$25.00} bonus deposited and I will direct deposit an additional {$500.00} to get an additional {$75.00} bonus for a total of {$100.00} bonus from SoFi for opening a SoFi Money account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
Dates and times of phone calls from Comenity Bank to my personal cell phone - a total of 56 phone calls in 14 days. These calls are listed as being originated from the following locations and numbers : Comenity Bank XXXX XXXX  XXXX, KS Comenity Bank XXXX XXXX, OH Comenity Bank XXXX XXXX, OH XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX These calls are logged in my cell phone call history and with my carrier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I went on XXXX  to check my credit score and notice that I have 4 credit accounts open in my name that I have never seen. I have disputed them multiple times stating my case. They are very old but I have always been told they are valid. Today I got statements in mail to prove valid. I have never ever received statements in the past before. Which explains, I am getting a divorce now and my husband is not here to get the mail anymore after all these years. Now I can get everything that is forwarded.i can not prove the past but with my word. I wouldn't be going to this extent of proving myself if I were lying. I am trying hard to get myself a place for me and my XXXX  and thought my credit was good but these disputed credit cards are holding me up and making me live with my parents until it is resolved. So please let 's get this resolved. I have to do this with 4 other cards too. So I will be back on here 4 more times. I did not know about these cards. The mail might have been mailed out to my address but I never received the statements in my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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 — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: DC

Complaint narrative:
At one point I had a credit score and now it doesnt show anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
XX/XX/XXXX this account is reporting OPEN, Negative & /or showing a balance after being included in bankruptcy XX/XX/XXXX which was discharged XXXX & closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: N26 Inc.
State: CA

Complaint narrative:
On XX/XX/21 I logged in to my N26 account to check my balance, and was not allowed access as the company suddenly needed photo verification. Despite N26 already having photo documentation on file, I immediately complied and submitted a photo of my passport that day, and the N26 app said it was reviewing my documents.

The next day I received an email that I had violated N26s terms and conditions and my account had been closed. A quick internet search shows this EXACT same thing has happened to hundreds if not thousands of people.

N26 annually asks customers for photo verification, and when the photos are rejected by their internal review team for who knows what reason, your account is closed no matter what. Theres no discussion, theres no request for another photo or explanation of what the problem is, and the remaining balance is sent to the address on file.

I in no way shape or form violated N26s terms and conditions. But of course they have a fun line in section A ( 18 ) that they may close your account at any time for any reason or no reason. This qualifies as no reason, and hence is justified. 

No one should ever have their account shut down for absolutely no reason, with no explanation and no way to contest or restore their account. This is a terrible business practice, and has caused a lot of financial duress and insecurity for thousands of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I never received my {$99.00} companion certificate from my XXXX XXXX CitiBusiness Platinum Select card. 
Opened account and made first charge XX/XX/XXXX. By XX/XX/XXXX spent {$45000.00}. Annual fee of {$99.00} was on My XX/XX/XXXX statement which I paid. 

XX/XX/XXXX go to book flights and can't find companion certificate in my digital or app account with XXXX XXXX or on Citicard account. I called Citi customer service and was told they mailed it in XXXX but would send another. I received a letter from Citi dated XX/XX/XXXX that the companion certificate will be sent under separate correspondence and it will be digitally accessible at XXXX and in the XXXX  XXXX XXXX within 8-12 weeks. Letter said to call XXXX if I need further assistance. 

XX/XX/XXXX I received an email for XXXX XXXX with American Advantage who told be Citi handles the certificates and I need to request it from them. 

XX/XX/XXXX I spoke to XXXX at XXXX. She spoke to account services and they said validated the certificate and I would receive it by letter and email in the month of XXXX. 

XX/XX/XXXX I called XXXX and was told I would receive the companion certificate in 7-10 business days. 

XX/XX/XXXX received a letter from Citi thanking me for contacting our Customer Service Team but the offer I received was for a limited time and the expiration can not be extended. I never asked anything about an extension. I received this letter XX/XX/XXXX. 

XX/XX/XXXX Called XXXX Spoke to XXXX, she said there was a request in the system dated XX/XX/XXXX requesting the certificate.

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 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE BANK NEVER GAVE ME THE RIGHT TO DISPUTE ALLEGED DEBT ON MY ACCOUNT ALSO DIDNT TELL ME THEY WERE A DEBT COLLECTOR

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: WI

Complaint narrative:
I received a debit card from CashApp in the mail, which I never applied for. I did not activate the card as a I was suspicious this was a scam. I looked into it a bit and found reports that it meant someone has opened a cashapp account using my personal information. I attempted to contact cashapp, but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Barclays ( jetblue ) credit card deposited a {$3600.00} check that was sent from XXXX XXXX XXXX XXXX on behalf from a personal loan I applied for in order to consolidate credit card debt. Barclays has not applied the funds to my account yet they freely deposited it into their own account. Barclays said it will take up to 3 billing cycles to resolve the issue which will equate to late fees, credit delinquency, and accrued interest. 
My first goal is for them to apply my money to my account. I am now paying interest on the loan from Seasons and the credit card. The second is to hold them accountable for the fraud they have willingly engaged in, deposited funds without accounting for 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 2021-07-31 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I refinanced my auto loan and paid in in full. I have complete records of everything. 

Ally financial first took several months to report my auto loan as paid in full. 

I reported the issue with all 3 credit agencies. 

The account is now reported closed but Ally is reporting that I have a {$5000.00} balance to TransUnion when I have a paid in full letter from Ally and they released the title.

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 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I dont agree with the decline reason they are proving me its inaccurate information Im a victim of identity Theft they refuse to process my application for my Costco Visa card telling me I have too many inquiries but experian has confirmed that their are none since Im a victim for identity theft they have been removed I tried explaining this to them but they still wont Approve what a bad experience and application process

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 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX this account is reporting OPEN, Negative & /or showing a balance after being included in bankruptcy XX/XX/XXXX which was discharged XXXX & closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had long term impact with XXXX health wise. During recovery I gave my creditors my Chase checking details so I can be set up in auto payment. 

When I recovered I removed auto payments and I made payments myself. 

Than I realized I forgot to stop some auto payments with certain creditors. 

That resulted is a negative balance in my checking. 

This morning I tried to transfer {$50.00} and deposited {$56.00} to the checking trying to make it XXXX or positive balance. 

My chase app froze and instead {$50.00} full {$500.00} went through ( almost entire saving ). 

I was not sure if I can transfer back the {$500.00} given my negative balance. 

I called Chase Bank and the customer service person understood scenario and said he will contact online banking to see if he can help. He was wonderful. 

After being on hold for a LONG time this lady came on frauds department approximately around XXXX XXXX  today. 

She was EXTREMELY rude. I thought it was a transfer so I was shocked she asked me same questions and asked for my debit card number. 

I asked her if she spoke with other representatives - she got annoyed and very nasty because she didnt like me asking questions why I am questioning the inquiry of repetiion of sensitive information by the wrong department. 
I was expecting online banking department not the fraud department. 

She in a very rude and nasty way asked me what was going on - I shared my situation as mentioned above. She was just not getting it all and was ready to mark my creditors as fraud. This customer service person DOES NOT listen and made up her own false conclusions. 

I requested to get the 1st customer service representative back. He was courteous and understood the issue. 

The fraud department lady got nasty again and started screaming at me because I kept fixing her false conclusions. Than I realized this lady is trouble. I requested for her to stop getting an attitude with me and to transfer me. She cut me off because my statement was not to her liking. 

This is unacceptable and Fraud in itself when your Fraud specialist is making up false narratives. 

Also these type of representatives gives a story the line was cut off ... .. very conveniently exactly at moment when it did not go in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: INDEPENDENT BANK GROUP, INC.
State: TX

Complaint narrative:
Hi, I was looking into buying a home. I never took the step to get pre qualified for a loan because it obviously needed more thought. I would look on XXXX everyday to see if houses were within my budget and eventually I started dealing with a real estate agent. Before she can look for homes she suggested that I get prequalified for a loan with an associate of hers in that field. I started the application but never finished it just because I was unsure if I would get approved or not then come to find out the house I was interested in ( XXXX ) had gotten sold so I let the idea of buying a house go a bit. I get a message from the loan officer that she ran my credit she has a couple questions about my income. I call back instantly wondering why did you run my credit without authorization theres a reason I never finished the application I did not want a hard inquiry and I had kind of backed off. She proceeded to ask do I want to know the results and annoyed obviously I asked well you ran my credit without permission im going to have a hard inquiry on my report now. She never gave me an explanation on WHY she ran my credit & now I lost a lot of points that I work hard for. I really want a solution to this problem because its not right to just run someones credit after the application is obviously not completed.

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