vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
in Fall, XXXX, I was mailed an offer by Chase. It said I would receive a {$300.00} bonus for opening up a checking account with them, and meeting other criteria, by XX/XX/XXXX. The offer also included an additional {$300.00} bonus, for {$600.00} total, if I also opened a savings account and met other criteria. 

I created both the checking and savings accounts with Chase on XX/XX/XXXX, immediately funding both of them with a total of {$15000.00} in deposits, per the required criteria. I also set up direct deposit from my employer to the checking account, and direct deposits were made to the checking account on XX/XX/XXXX and XX/XX/XXXX. 

Per the offer ( see attachment ), the first {$300.00} bonus should have been deposited into my account within 10 business days of XX/XX/XXXX, but wasn't. I called Chase 's customer service line about the omission, as well as returning to the branch where I set the accounts up to follow-up, but Chase is refusing to pay me the bonus. 

Per the offer, the bonuses are not available to checking & savings customers who have closed those accounts within the last 90 days, but Chase is explaining that they are refusing to pay me the first bonus because I closed checking & savings accounts with them within THE LAST TWO YEARS. They have also indicated that they will not deposit the second {$300.00} bonus when it is due this week ( XX/XX/XXXX ) for the same reason. I have no idea why they are trying to renege on their offer, but I certainly would not have set the accounts if this alleged two-year-rule were included in the offer, rather than the 90-day-rule which was included.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: CITIBANK, N.A.
State: KS

Complaint narrative:
This is regarding billing dispute XXXX. 

I withdrew this dispute with Citibank. I decided to withdraw all my disputes with XXXX and XXXX through Citibank 's online dispute summary in order to work out a resolution directly with the merchant. The merchant offered to pay for all of our food, including our dogs, on our next visit due to how poorly that had transacted business with us over the last couple of years. Numerous complaints were done within the store, over the phone, through corporate 's website, through a XXXX  report with the corporate office ( no one answered it ). 

The problem is despite withdrawing the dispute and having verification that it has been withdrawn, I recently looked at our transaction history only to find that Citibank issued a credit for the dispute of $ XXXX on XX/XX/2020 that dates back to the original transaction date and amount of the dispute. They have not rebilled for the item. Instead, they deducted it again. I am totally confused. I alerted Citibank 's billing disputes department about it earlier in the day in writing. 

I am attaching all the pertinent documents for your records, including the disputes e-mails to billing on all three disputes that I withdrew, a screen print of the recent credit for dispute, a copy of the withdrawals on all three disputes, a copy of the comped receipt signed by the store manager XXXX, and the e-mail correspondence between the store and myself. 

My concern is they are going to resend another dispute to this merchant for a dispute that has already been resolved and dates back at least a half of a year.

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 2020-02-13 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: FL

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX that my Transunion score had dropped by 50 POINTS!!!! Needless to say I was floores. I've worked VERY hard on getting my scores above 700 and havent been late on ANY payments. There was literally NO changes to anything. I called TransUnion and they couldnt tell me why it dropped. I called all my current creditors and there were no recent delinquent information ( in YEARS ) ... I also recently paid several accounts off. I did have an old XXXX account that was charged off ( years ago ) and Ive been paying them regularly and my score has went up A LOT since then. I even called them and they said they had t reported anything new either. I understand utilization and applying for new cards can make a score go down a bit ... but 50 POINTSSSS! and nobody can tell me why. Ive looked at my report ... NO new negative info. This makes me think all this stuff is a scam ... Im disappointed because Ive worked very hard on my scores and for it to be taken away is very disheartening. I pay on time for years and my score goes up MAYBE 10 points and then nobody can even tell my why my score dropped 50!!!!

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 2020-02-13 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fairway Capital Recovery, LLC
State: OH

Complaint narrative:
Sent multiple of dispute letters since XXXX and the collector has failed to provide missing information on my credit report. I requested that they re-investigate or delete disputed items from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I became an XXXX XXXX service member on XX/XX/XXXX to present. Bank of America offers military checking and a benefit of this type of account, in conjunction with the SCRA law, is no overdraft, extended overdraft, and NSF fees. Bank of America did not approve of my XXXX XXXX status until XX/XX/XXXX to which I have been charged a total of {$5400.00} ( {$1300.00} for XXXX, {$2200.00} for XXXX, {$1800.00} for XXXX ). They have refused to refund my account even though SCRA and Bank of America policy stipulates bank fees should not place the service member in financial difficulty. I have been continually protesting this through phone calls and letters but with no avail.

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 2020-02-13 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: WA

Complaint narrative:
I have attached supporting documents for this identity theft claim. I would want the accounts removed and blocked because they are fraudulent and do not belong to me.

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 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have attached supporting documents for this identity theft claim. I would want the accounts removed and blocked because they are fraudulent and do not belong to me.

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 2020-02-13 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: WA

Complaint narrative:
I have attached supporting documents for this identity theft claim. I would want the accounts removed and blocked because they are fraudulent and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: NJ

Complaint narrative:
Hello CFPB Complaints Team, It was brought to my attention the disadvantage One Main Financials have created. 

Due to medical hardship and direct family obligations, I had to take a personal loan from One Main starting  XX/XX/2017. Whenever unable to make ends meet by paying other financial obligations for relatives, I would contact One Main. 

Currently I have a 60 month plan - paying $ XXXX/month. 

This totals to = {$18000.00}. 

As reported on my credit report the principal of {$9400.00} is projected to equal or meet the finance charge assed by maturity. ( {$8900.00} ) Why is there a company compounding interest in such a matter? The debt to income crisis will continue under such leadership.

Ive tried to refinance with One Main recently in hopes of lower my monthly income. Instead they offered another withdrawal. 

Currently have not missed a payment since 2017 and paid close to the full principle. There is immense pressure to cover these inflated expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I submitted a complaint to CFPB, Discover along with credit reporting agencies. The company responded to the complaint but never addressed the issue. I presented feedback after the complaint. Discover continues to report my account paid/charge off. This ACCOUNT WAS NEVER A CHARGE OFF! This was a secured SECURED credit card. I reported lost and stolen. The company continued to charge late fees. Is it customary to continue to charge late fees passed the secured amount knowing its a secured card. Is it customary to not close the account when reported lost, they never sent me another card! Im requesting validation after it was reported lost that they sent out another card. If they did send another card then why did they continue to charge late fees? I paid the full amount because it was on the credit. This is so minor if an issue. I paid the account knowing that one of their employees didnt complete the cancel on the card! However, they still cant provide evidence they even sent me another card. Its A SECURED CARD I PAID! Provide validation that they sent a new card if my account was still open. Provide validation that I used the card after reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American express promote {$150.00} bonus for {$1000.00} spending. 

Blue cash everyday card from American express. 

Amex claims there's no such bonus for existing customer. There was no alert/ popup during card application. 

this is mass fraud. 

I want CFPB to take a deeper look into Amex recent complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Tried to access my 3 bureaus and they will not show me my report. They mask it all and just want to sell you garbage. Such fraud, my gosh why is this allowed? I just want my reports and dispute the wrong stuff. I don't have the time or patience to make a career out of getting this done!!!!!! Such fraud and illegal activity ... ..and illegal reporting as always and refusing to delete the wrong stuff. What else is new?

No phone but they think they can require one to get my report ... .my gosh ... .. they will not give a report unless I give them a bunch of personal info. that's none of their business!!!! ... ..and I don't have it ... .good grief, why does it take this extent for this? Such fraud ... .and it's MY information they never even got my permission to gather and disseminate ... .and it's wrong info. to boot ... ..

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 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted XXXX Credit Card fraud department, Transunion and XXXX and informed them That the account for {$1100.00} was Fraud because I never owned a credit card til XXXX of 2019 and they said that they'll look into it. Transunion deleted the Account on XX/XX/2019, However XXXX  never Deleted it, they said that the account was verified. I asked them how'd they verify a fraudulent account? They told me to contact XXXX. Transunion later re-inserted the account on XX/XX/2019 without my knowledge. I didn't get a later from neither the credit bureaus nor the Credit Card Company. I spoke with XXXX and they wanted me to send them my signature and I refused. I then asked them to send me what they have on me such as a signature matching mine and the account that the bill was paid with and they sent me a bill with an address on it that I've never lived at with my name only. I sent them the police report on XX/XX/2019, to attach to my investigation that they never did, and I asked Transunion why'd they re-insert the account and they said that the creditor said that it belonged to me. I also asked XXXX  why they never Delete it and they told me that it was because the Creditor said it was mine. I have my undeniable proof that it's not my account and all they have is their word that says it is mine. 

I also contacted XXXX  about XXXX XXXX XXXX XXXX they've been reporting inaccurate information and re-aging the accounts and every time I point that out to XXXX they just have XXXX XXXX XXXX fix the Errors that I point out to them after I asked them to delete it for inaccurate information. This dispute was entered also in XXXX alone with the Fraudulent account prestige financial which there's a police report attached to that as well

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 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required un-der the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who veri-fied these accounts?

You have NOT provided me a copy of ANY original documentation required under Sec-tion 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX # XXXX DEPT OF  ED/XXXX # XXXX XXXX  # XXXX XXXX  # XXXX Also I have received a statement claiming that I owe a debt to XXXX # XXXX and that some 3rd party collection company was handling the account when the alleged company never verified this account. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; XXXX. ) Original date of default and collection activity begin. 

I AM A XXXX AND THIS FRAUD IS HOLDING BACK FROM CONDUTING BUSINESS TRACTIONS.

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 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: LA

Complaint narrative:
I am requesting a freeze be placed of my XXXX XXXX, XXXX Sage Stream file please send me a pin of security number to protect my file and credit information.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.. My information is clearly shown below : After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX SS : XXXX DOB : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: UT

Complaint narrative:
Tried to access my 3 bureaus and they will not show me my report. They mask it all and just want to sell you garbage. Such fraud, my gosh why is this allowed? I just want my reports and dispute the wrong stuff. I don't have the time or patience to make a career out of getting this done!!!!!! Such fraud and illegal activity ... ..and illegal reporting as always and refusing to delete the wrong stuff. What else is new?

No phone but they think they can require one to get my report ... .my gosh ... .. they will not give a report unless I give them a bunch of personal info. that's none of their business!!!! ... ..and I don't have it ... .good grief, why does it take this extent for this? Such fraud ... .and it's MY information they never even got my permission to gather and disseminate ... .and it's wrong info. to boot ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Tried to access my 3 bureaus and they will not show me my report. They mask it all and just want to sell you garbage. Such fraud, my gosh why is this allowed? I just want my reports and dispute the wrong stuff. I don't have the time or patience to make a career out of getting this done!!!!!! Such fraud and illegal activity ... ..and illegal reporting as always and refusing to delete the wrong stuff. What else is new? 


No phone but they think they can require one to get my report ... .my gosh ... .. they will not give a report unless I give them a bunch of personal info. that's none of their business!!!! ... ..and I don't have it ... .good grief, why does it take this extent for this? Such fraud ... .and it's MY information they never even got my permission to gather and disseminate ... .and it's wrong info. to boot ... ..

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