vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Someone stole my identity and charged {$810.00} on XX/XX/XXXX at XXXX while both my husband and I were at work. We disputed the transaction on the same day with J.P. Morgan Chase and they reversed the charge, in addition to making us verify our identity with them before unlocking our checking account and issuing us new debit cards. They then about a week or so later put the charge back on claiming that since the correct pin was used that it was a valid charge even though as part of the identity theft they got my pin.

Me and my husband have tried to work with Chase ( even emailing their executive team ) and they say that since the correct pin was used regardless of whether it was identity theft or not that we are out of luck and refusing to give us back our money. While I do not have a copy of the police report I do have the police report number, I do have the number from the city : XXXX with the City of XXXX in XXXX WA and Chase does not think that is good enough. As this falls under Regulation E, I ask for your immediate help to get this resolved.

We can not afford to be out this money as this is causing us to get behind in our bills and messing with our credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14 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: FL

Complaint narrative:
I was upgraded to the Macy 's American Express card in XX/XX/XXXX, included with the card was an insert claiming that I would receive {$50.00} in Macy 's XXXX money, if I spent at least {$500.00} or more on purchases outside of Macy 's placed on the card. The offer stated it must be completed by XX/XX/XXXX. The terms and conditions states that the bonus points for the {$50.00} in Macy 's XXXX money could take up to two billing cycles past the expiration date of the offer. 
I have met the requirements of the offer. Two billing cycles have passed. I have not received the promotional offer. Why?

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX I have expressed to XXXX, XXXX XXXX. EQUIFAX that they were not REPORTING my XXXX XXXX  CREDIT CARD. Date open XX/XX/XXXX Credit History 7 years 11 Months ALL 3 REMOVE this information XX/XX/XXXX. 

This has possessed a INTENTIONAL NEGATIVE AFFECT on my PERSONAL and BUSINESS! 

Each bureau, XXXX, Equifax, XXXX have COST my Business at LEAST {$10000.00}. Dollars of BUSINESS CREDIT! 

I reach out to them on 6 occasions. NO RESULTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: MD

Complaint narrative:
This is a demand for reinvestigation. 
Pursuant to 15 USC 1681i send me the detailed description of the procedures of the reinvestigation!

I demand a full layout of every detail and full time line of specific names dates and days Within the description of the procedures to cross-reference the validity of the bankruptcy claim.

Your company has failed to execute before the account was posted to my consumer report an initial investigation to determine the accuracy and completeness of this account.

Your company now has 15 days according to Congress and the law set forth to provide me the full details of the description of the procedure.

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 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Our company XXXX XXXX XXXX issued a check to XXXX XXXX XXXX XXXX XXXX for {$3300.00}, on XXXX the check was cashed at a XXXX Bank in XXXX Indiana XXXX XXXXXXXX XXXX XXXX , we were called several weeks later by XXXX XXXX  that the payment was past due. We looked into our account and showed proof that it was sent and cashed, they denied ever receiving the check and demanded payment, we paid them again since this was clearly fraud upon looing at the check and felt PNC would get our money back from blatant fraud from the XXXX bank teller who cashed a check made out to a company and " scribbled out the name with a black marker. 
" 6 MONTHS later '', PNC is still telling us they are at the mercy of XXXX and that there is not timeline on the check repayment from XXXX, XXXX will not communicate to PNC or me on how they let their teller cash this company check that was CLEARLY a fraud transaction. 
What do I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: TX

Complaint narrative:
I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022 and XXXX XXXX. The complaint I'm referring to includes complaint number XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. In that complaint pursuant to 15 USC 1681i ( 7 ), I demanded EQUIFAX send me my REINVESTIGATION results in 15 days of the late payments that I have disputed that they claimed were verified. I asked for the description of the procedures included in 15 USC 1681i ( 6 ) ( B ) ( iii ) that EQUIFAX have taken to receive those results. It has been way pass 15 days and I have not received any " REINVESTIGATION '' results. I have also asked for the written instructions I gave EQUIFAX, pursuant to 15 USC 1681b ( a ) ( 2 ), to furnish this information on my consumer report. Without my written instructions, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. I have not receive those written instructions either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I currently bank with Chase Bank. On XX/XX/XXXX I was notified through my Chase Mobile app that my checking account was overdrawn 5,000 dollars. I contacted Chase customer service to find out why. I was informed by customer service that a check that was written to me i deposited to my chase account through my chase Mobile app on XX/XX/XXXX was cashed a second time by someone else on XX/XX/XXXX. I then go inside the Chase Bank and was able to speak to a branch manager by the name of XXXX XXXX. I explained to him that the second check was fraud and that the check has to have been stolen from me. He informed me that there was nothing he could do. The only information he gave me was that the check was cashed at a XXXX Bank. I filed an police report on this incident and nothing was done due to me not have any information about who cashed the check the second time on the XXXX of XXXX. I'm having a very hard time fingers out who committed fraud on my account. I tried contacting the person who wrote the check to me, He then contacted his bank XXXX XXXX Bank to find out if they could get any information about who cashed the check the second time and it was unsuccessful. I will like to file an complaint against all 3 banks. Chase Bank, XXXX XXXX Bank and XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are three collections reporting on my credit file for over many years with. The debt is being bought and resold under other companies, after the investigated under the previous companies and deleted. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and Experian all allowing this to repeat after each bureau has repeatedly removed these collections I have never owed.

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 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Hello, I made a purchased with a merchant XXXX The initial amount was for {$150.00} on XX/XX/XXXX up to a year and was withdrawn up to {$2100.00}. Due to Covid money had to be refunded for purchased trips ( cruise/week certificate ). I was told that I would loose my certificates if I requested a refund for the cruise first. I was alright with that, but they gave me a hard time to where I had to get the credit card company involved. Also, prior to that they canceled my insurance for that trip without telling me, charged me for another one that cost more, then closed the account I am reporting telling me that they are no longer part of XXXXXXXX XXXX. I explained to them that I paid for a service that I have not been able to use and it's good u til XXXX. The service consist of getting hotel rooms, rental cars etc. I had to argue them down to get my account back up and running around XXXX or XXXX of XXXX. After I received my payment back from trips and my insurance for the trips middle of XX/XX/XXXX, they had to disable my account because it doesn't allow me to reset my password. Now Navy Federal Credit Union telling me that it's been too long and they can't assist me. I didn't know they were going to take the service away from me. I had it this long haven't used it because of the pandemic and they closed my account for retaliation. I don't have money to give anyone and don't get the service. I paid for a service and have been denied usage. I feel like the both the bank and merchant are the same and make me not want to trust the XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, on or about XX/XX/XXXX I got a solicitation to open a XXXX XXXX credit card issued by Chase, and got approved, shortly there after Chase begun harassing and disturbing the ability to use it. Although have communicated in good faith, there is not good faith on their part, and several calls were either disconnected or the put in hold indefinitely, calls for supervisors or managers were not returned. 

Have filed the following, Sent XX/XX/XXXX XXXX XXXX  To Chase Card Services Subject Account inquiry ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account inquiry ATTACHMENTSIZE:0 I tried using the credit card in two different stores and was declined, then online at the electric utility and was declined again, can you explain? Tnx XXXX begins, ends XXXX Thereafter they resolved some of their issues till XX/XX/XXXX, were they blocked with no reason, attempts to reach them were met by a angry customer service agent in XXXX who asks to much personal information irrelevant to the matter. She refused to identify herself but said to record, asked for a full social security, there is no need, its enough the last four digits, asked for checking account account information, its really irrelevant, finally the same agent has called from a toll free number and from a XXXX country i believe XXXX, ironically the same agent-voice needs a gift card or XXXX  card to unblock the account, clearly Chase 's employees in XXXX or elsewhere conspired with their friends to defraud. 

The following communication was not replied by Chase of yet neither. 

The account was blocked as of yet for any transaction. 

ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account inquiry ATTACHMENTSIZE:0 I made a charge today and was declined, chase did not send a message or email to inquiry. 

Later I got a call from XXXX, a female with non US accent saying she is with Chase to discuss a denied charge. She had children voices and dogs in the background, I asked her for her id and why she had the voices and sound, she said that I can call number in back of the card, I asked to speak to someone in the USA who can identify as a Chase employee as well, and she hanged up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On the XXXX  day, in the XXXX  month of the two thousand sixteenth year, the consumer authorized the of use credit on their behalf and purchased a promissory note valued at {$21000.00} with the endorsement of said note. A credit account was opened in the consumer 's name, however, the security was never endorsed to the buyer. The seller within this transaction, NAVY FEDERAL CREDIT UNION and its authorized agents, have yet to provide the instrument with both endorsements -- to which the consumer has rights. The consumer is not able to collect payments on this debt owed by the seller as the seller still holds the instrument needed by the consumer to enforce the obligation owned by the seller.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are several accounts that are not reporting accurately that need to be investigated, see letter attached for detailed explanation

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 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/22, I contacted to Capital One to request a waiver of my annual fee. I have been a loyal customer closed to 15 years and asked that they be proactive and change my card profile after company waived the annual fee for the last 10 years. This year, they refused to remove the fee and also had no alternative products to offer as an upgrade for a person with excellent credit ( XXXX XXXX XXXX ) .After talking to two agents and being hung up during the call, I talked to an agent that processed ref # XXXX formal complaint. I received no response after they stated they would contact me within seven days on outcome. 

I called back on XX/XX/22 to ask about my complaint and no-one could find the reference inquiry. I talked to a multiple agents that refused to escalate my call. I also was hung up on during one call with a XXXX agent. I had my next call escalated from XXXX to XXXX and she processed my additional complaint where Capital One changed my due date and billing cycle. I assume they would waive the annual fee as they made predatory changes to my account by changing the due date to an earlier date. I asked for a new complaint to be escalated. They processed that complain reference # XXXX. They also did not respond within the committed 10 day XXXX. 

Lastly, I called today on XX/XX/22 and asked about a interest rate charge for a " purchase '' of {$0.00} cents. My account balance was XXXX and I made a partial payment to the annual fee awaiting a response to my previous complaints above. The company institute Unfair Deceptive Acts and Practices ( UDAAP ) by charging an interest on an annual fee which is not a purchase. The agent XXXX refused to provide me a reference number but did provide a case # XXXX after multiple requests so I could file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
I am filing a complaint against Caine & Weiner. This company is in clear violation of the following and these debts should be removed immediately. The creditor did not verify the debt. I am exercising my right under the Fair Credit Reporting Act, Section 609, and requested information regarding items that are listed on my consumer credit report. The creditor did not respond within a reasonable amount of time nor provided me with a copy of my signature with the provider of service where I authorized a release of my information to Caine & Weine in the amount of {$640.00}. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature which has not been sent from this creditor. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt which has yet been sent. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. This company was unable to verify the account with the original contract, and the information should be removed Immediately!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
There are three collections reporting on my credit file for over many years with. The debt is being bought and resold under other companies, after the investigated under the previous companies and deleted. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX all allowing this to repeat after each bureau has repeatedly removed these collections I have never owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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: FL

Complaint narrative:
There are three collections reporting on my credit file for over many years with. The debt is being bought and resold under other companies, after the investigated under the previous companies and deleted. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Equifax, XXXX and XXXX all allowing this to repeat after each bureau has repeatedly removed these collections I have never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: MD

Complaint narrative:
This is a demand for reinvestigation. 
Pursuant to 15 USC 1681i send me the detailed description of the procedures of the reinvestigation!

I demand a full layout of every detail and full time line of specific names dates and days Within the description of the procedures to cross-reference the validity of the bankruptcy claim.

Your company has failed to execute before the account was posted to my consumer report an initial investigation to determine the accuracy and completeness of this account.

Your company now has 15 days according to Congress and the law set forth to provide me the full details of the description of the procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit with the lender and/or creditors below, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into the inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the below lender/creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation