vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint against Chase Bank regarding a {$300.00} account-opening reward that has not been credited to my account, despite my fulfillment of all required conditions. 

On XX/XX/XXXX, I opened a new account with Chase Bank based on a promotion that promised a {$300.00} bonus upon receiving a direct deposit of {$1000.00} within the first three months. I met this condition as required. 

When I opened the account, I was assisted by XXXX XXXX XXXX, a banker at Chase. He assured me verbally that everything was in order and that the promotional voucher was processed. However, I did not receive any written documentation confirming this. Trusting XXXX XXXX 's word, I was unaware that additional paperwork or confirmation was necessary. 

Towards the end of XXXX, noticing that the bonus had not been credited, I began following up with XXXX XXXX and Chase customer service, leading to the opening of Case Number XXXX. Over the next three months, I repeatedly contacted them seeking resolution. In XXXX, during a phone call, I was informed that nothing could be done because the voucher did not go through. 

As a XXXX  I had calculated my budget with the {$300.00} bonus in mind. The absence of these funds has caused significant financial strain, as I made spending decisions based on the expectation of receiving the bonus. The ongoing delays and lack of resolution have caused me considerable stress and inconvenience. I have spent the entire summer attempting to resolve this issue, all through no fault of my own. 

Due to Chase Banks failure to provide the promised reward and the extreme inconvenience this has caused, I am seeking assistance from the CFPB to resolve this matter. Specifically, I am requesting : 1. The immediate crediting of the {$300.00} account-opening bonus to my account.

2. An additional {$700.00} in compensation for the ongoing inconvenience, financial troubles, and extreme mental stress caused by Chases failure to act. 

I believe this request is reasonable given the circumstances and the amount of time and energy I have invested in trying to resolve this issue directly with Chase Bank. Their lack of responsiveness and failure to honor their promotion has left me with no choice but to seek external assistance. 

Attached below are my monthly statements for XXXX and XXXX. They clearly depict that the account was opened on XX/XX/XXXX, and I had more than XXXX dollars of direct deposit come in within the first 2 months itself. I am happy to provide any account opening documents as well if required. I have also attached a document with screenshots of all of my communication with XXXX XXXX over email, from XXXX to XXXX. For reference, the case number with them is- XXXX. 

I appreciate your attention to this matter and hope for a prompt resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 loan, credit cards, and any other accounts from Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$1100.00}, Account Name XXXX XXXX with a balance of {$0.00}, Account Name XXXX with a balance of {$160.00}. 


These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 report number 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 loan, credit cards, and any other accounts from Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$470.00}, Account Name XXXX XXXX XXXX with a balance of {$1100.00}, Account Name XXXX XXXX with a balance of {$0.00}, Account Name XXXX with a balance of {$160.00}. 


These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 report number 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.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I noticed an inquiry. I want to clarify that I did not authorize this inquiry, nor did I provide any consent for my personal information to be accessed by this entity. 
According to the Fair Credit Reporting Act ( FCRA ) i have a right to dispute any inaccuracies in my credit reports, including unauthorized inquiries. 
I kindly ask that you investigate this matter and take appropriate action to remove the unauthorized inquiry from 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 2024-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I went to comenity.net/torrid on XX/XX/XXXX to make a payment and paid my full balance of XXXX. On XX/XX/XXXX, I received an email to make a minimum payment of XXXX. Confused, I went back to the site and saw that I had a balance of XXXX. I called the comenity today, XX/XX/XXXX and was advised that this is a late fee. I questioned the fee since I paid the full balance at the time and XXXX advised that the late fee was added after the fact. I told him that I wanted the balance adjusted off since I paid the full balance as per what was on the screen of XXXX on XX/XX/XXXX and was advised that only XXXX can be adjusted off. I was transferred to a supervisor and was advised the same. She advised that she would adjust off XXXX and I told her that she would lose a long-time customer for XXXX and to close my account and that I would file a complaint against them. She didn't seem bothered at all by it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-11 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: EdFinancial Services
State: GA

Complaint narrative:
Student loans from Edfinancial in the amount of {$3500.00} From XX/XX/year> another in the amount of {$2800.00} From XX/XX/year> in amount of for {$620.00} from XX/XX/year> another in amount of {$2800.00} from XXXX XXXX XXXX in the amount of {$1700.00} are fraudulent and are not in consent of me along with fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery claims I have a debt from XXXX XXXX from XXXX. I Never had a card with XXXX XXXX. They called my phone on Sunday, XX/XX/XXXX. I told them to cease the calls. They Called again Wednesday, XX/XX/XXXX at XXXX. I told them again not to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted TransUnion and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I pulled a copy of my XXXX and XXXX consumer report and noticed some items reporting on my credit file that isnt reporting on XXXX, so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ). I request that your organization immediately contacts the credit bureaus to instruct them to DELETE the account, as I have already done so. I was instructed to contact the company directly ; failure to comply will result in a violation, as one credit bureau, XXXX, has already taken action by deleting the account. Proof will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TomoCredit Inc.
State: AZ

Complaint narrative:
I signed up with the business XX/XX/year>. Expecting a tradeline for bill history to be added to my credit reports with all 3 bureaus. By XX/XX/year> there was no tradeline history added to my credit profile on any bureau. I had consistent conversation through email requesting a response for why my tradeline was not being reported. I was getting the same response of it can take longer then expected. The advertised terms state it can take a month to be reported. There was no line reported after 3 months. The company states I requested a cancelation when there was never a email that stated to cancel the service. They just canceled it so they would not have to provide the service. However I still paid for two months of a service that was never rendered. I have complained to the company, XXXX XXXX the Attorney Generals Office, and Consumer finance. With no response being responded to besides consumer finance. I have tried to ask for my money back numerous times with warning of what will take place if I am not reimbursed for a service that was never provided. I have taken all proper procedure methods in order to obtain a settlement for my funds for that service with no success. This is my last attempt in requesting the funding back since services were not provided. All methods of communication will be used as evidence. There will be no stance to try to counter you all spending money because of me requesting my funds back. I have completed all correct measures to obtain my funds back and if you all will like to spend more money to try to fight the process for getting my money back for a service that was never rendered, then that will be your choice. You have been sent a letter from a Attorneys office stating the law in Arizona, where that service was bought and supposed to be provided, and your attorney did not contact the law office or myself as law is stated to do so. So with all this proof of communication I will proceed to claims. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, I visited the Fifth Third Bank branch at XXXX XXXX XXXX, XXXX, OH XXXX, to withdraw funds from my checking account to purchase a vehicle. I have held this account for over three years. 

During my visit, both the teller and bank manager refused to process my withdrawal request, citing concerns about potential fraudulent activity. Despite providing my ID, Social Security number, and account number, and showing that my account has substantial annual activity ( deposits and withdrawals totaling {$44000.00} ), I was permitted to withdraw only {$2000.00} in cash. I was informed that this restriction was not due to daily withdrawal limits and was told I could not return the next day for additional funds. 

Additionally, the bank staff questioned me about the purpose of the withdrawal and the source of my deposits, although this information is clearly detailed in my account statement. They also asked personal questions about how I intended to use the money. I would like to see the banks policy regarding such inquiries, particularly since the withdrawal amount was under {$10000.00}. 

The transaction was further mishandled : I received {$2000.00} in cash without it being recorded as a withdrawal, and was also provided an extra {$2000.00} via a cashier 's check, which I later returned voluntarily. Despite this, my subsequent attempts to withdraw the remaining funds in cash were unsuccessful due to continued concerns of suspected fraud. 

Given the bank 's stringent controls around fraud, it is concerning that they allowed me to receive {$2000.00} in cash without recording it in my account. This inconsistency raises questions about the effectiveness and application of their fraud prevention measures. 

I am concerned that the bank 's actions may indicate discriminatory practices and suggest that the bank manager undergo training in Diversity, Equity, and Inclusion ( DEI ) to improve customer service. I request a review of how my account was handled and an explanation for the refusal to process my withdrawal. I also request the closure of my account, as it no longer meets my banking needs. 

Furthermore, I seek an explanation for why I was suspected of fraud on my own account despite having verified my identity, especially given that I live directly across the street from the bank. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im really frustrated with how my credit scores are turning out because of mistakes in my credit report. These errors are dragging my scores down and making it super hard for me to get the credit I need. Its been a constant source of stress and is seriously messing with my finances. Ive tried to get this sorted out before, but nothings changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt in gaines couldnt vefity the debr not enough evident i provide idenity theft police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding the mishandling of my application for an Alphaeon Credit card, which I initially applied for in late XX/XX/year>, in preparation for an upcoming XXXX scheduled for XX/XX/year>. I unfroze my accounts with the major credit bureaus prior to applying to ensure a smooth process. 

On XX/XX/year>, I received a letter from Comenity Capital Bank, the servicer for Alphaeon, requesting additional information for my application. On XX/XX/year>, I called to clarify the requested details and confirm my interest in the card. The agent assured me that I would receive another letter within 7 to 10 days, but I never received any further correspondence. 

On XX/XX/year>, I called again to follow up and was directed to the fraud department. They again mentioned a 7 to 10-day window for receiving a response. However, this was nearly three weeks after my previous call, and no letter had been sent. During this call, the agent explained that the application process starts when a hard inquiry is placed on the credit report, which occurred on XX/XX/year>, by " COMENITYCAPITAL/ALPH. '' The 7 to 10-day timeline should have started at that point since the bank had begun processing my application. Despite this, no letter or status update had been received. 

On XX/XX/year>, I made another attempt to check the status of my application. Alphaeons support team could not confirm whether I had applied and forwarded me to another number. The automated system asked if I had received a letter regarding my application, and since I had not, I selected the option indicating so. The system then told me to wait another 10 days and disconnected the call without further support or options. I do not have a direct contact number for the department I was forwarded to, leaving me in a frustrating loop.

Despite repeated calls and follow-ups, I have been unable to determine the status of my application. Both Comenity and Alphaeon have provided conflicting information. While the fraud department claims the bank has my information, the bank denies this, and the online portal shows no record of my application. I have now been waiting over a month, received a hard inquiry on my credit report, and still have no clarity. With my XXXX approaching, the lack of communication and transparency is unacceptable.

Company response to consumer: Closed with explanation