vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Ive been using this XXXX XXXX XXXX card for months. Chase sent me a new card with new numbers. The new card is active, making purchases, and even showing that I am collecting rewards. But I had hundreds of dollars of rewards saved, that still show on chases website, but are locked out of use at XXXX. XXXX has told me 5-6 times that the issue is with chase. Chase exhaustively claims the problem is with XXXX. I need to know which jurisdiction covers deliberate theft of reward points while both institutions demonstrably lie to me. Every time I talk to them Im told 24-48 hours and its been weeks. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX where I was ( traveling in XXXX for work ) I received a call from a Chase number telling me I needed to perform a wire reversal of two transactions equaling XXXX dollars from my Chase business account. After performing the transaction, I called Chase immediately and they told me it was a verified Chase number calling, and to expect my money back in 5 business days. Several days later when the money was never sent, I called again, and it was only then that they flagged it as fradulent. They couldve stopped the transacfion, but never even sent me an e-mail or notification that the money was transferred. This was every dollar in my business account, and they did absolutely nothing to protect, and they are continuing to not contact or help me regarding the claim. It has now been over a month since this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/22 I visited Ashley Furniture Store looking to purchase furniture. I have an existing Ashley credit card through Synchrony Bank. I was told by the sales rep that I could only use my existing card if I first applied for another credit card. I was told that Ashley was moving away from synchrony and transitioning to XXXX XXXX for its credit card. I was told that if I applied and got declined or didnt get approved for enough credit, only then could I use my existing credit card with synchrony. This is a violation of UDAAP. I was able to use my existing credit card online but the sales rep was so focused on getting a sale that told me not to complete the online transaction, they created the same sale in store despite first telling me that the prices in store would be much hirer. The rep split my order between both credit cards ( XXXX XXXX XXXX / XXXX ). I was able to find furniture with a much shorter estimated delivery and canceled my order 5 days later. I was initially told that I would have to pay a 12 % fee for any items that were already available, however the store manager did a bait and switch by telling me I would be charged 12 % fee for the entire order.

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 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Today, XX/XX/2022 at XXXX, I received a text from XXXX. I did not click on the link as I do not have a Citibank account. Here is what the text : / Citibank/ We have closed your citibank account for security reasons please verify Your identity XXXX XXXX XXXX? c I copied the actual text and pasted it fir you all to read. You will notice how the text starts out with a / which is not how banks do their texts. There is also punctuation problems as well as a capital letter where it shouldn't be. Banks never ask for your information. 

Thank you for your time. Hope this helps

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 2022-04-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Report XXXX XXXX Account # XXXX XXXX has violated my rights. 
15UST.1681 section602 A. States I have the right to privacy 15USC. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
In XXXX our mortgage payment was {$440.00} when I got my statement for how much my mortgage would be for this XXXX because every year in XXXX our mortgage payments change they either go up a little or they go down so when I received the statement for this XXXX an I saw the payment was for {$610.00} I actually flipped it went up almost {$200.00} when I went to the key bank on XXXX XXXX in XXXX an the manager looked at it he actually did not know what to say about it he used every excuse in the book why it went up the first excuse was well the gas prices went up I told him that has absolutely nothing to do with my mortgage payments then he said well maybe its your taxes they might of went up i told him right out not {$200.00} no way then he said the materials that you have to use to repair things for your home have also went up I said that should all be in my home owners insurance I am not getting any satisfaction about why this mortgage has gone up that much we have had it go up in the past but definitely never {$200.00} this is really gon na be hard on me because I have lost my Mom so she isnt here to help me with the payments here I am on XXXX for several back surgeries. Can you please help me out with this situation my mortgage is due by Tuesday if not paid then a late charge will be slapped on it can you please give me at least some ideas as what I should do because I am lost here. Can you please get my payments brought down for me please Im asking from my heart to please help me out. 

Thank you for taking the time out an reading my letter I really appreciate it very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
On XX/XX/XXXX our CitiCard was charged {$3300.00} related to XXXX XXXX XXXX XXXX, apparently a nonprofit in California. I called Citi and was instructed to call the vendor to see if they would refund the amount and was also referred to the Fraud department. I called the number on the charge and there was no answer. I looked up the entity online and called the number noted and got the owner. He denied ever seeing that charge and they dont process charge cards. His address and number differs from that on the charge. I related this to the fraud department but they said they didnt need it and would handle it. They charge was temporarily removed. I received two messages from them on XXXX and XX/XX/XXXX that said the investigation was in progress and they would reach out if they needed further information. Today, XX/XX/XXXX, I received a letter stating that the investigation was closed because I had not responded to a request for further information but I never received a request for more information. The charge has been reposted on my account. My wife and I have never donated to this vendor and he denied having any donations of that size. This is clearly fraud. I called but they were unhelpful since the fraud department isnt open on Saturday.

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 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I called Equifax about 3-4 weeks ago and spoke with a representative named XXXX to request an early exclusion on a collection account that is due to age off my credit report this coming XXXX. He granted me this early exclusion and said that this collection account would be removed with the next update of my report. Well, I just refreshed all 3 of my credit reports and this collection is STILL ON my Equifax report, despite the fact that I was told by YOUR agent that this account would be REMOVED IMMEDIATELY and would reflect this on my next report refresh. In fact, it says that the balance on this account was updated on XX/XX/XXXX, just 5 days ago, when this account should have been DELETED as your representative granted me an EARLY EXCLUSION on it. This collection is from XXXX XXXX XXXX. I have uploaded a screenshot of this collection as it currently reflects on my Equifax report with this complaint. Again, YOUR REPRESENTATIVE, XXXX, whom I spoke with on the phone a few weeks ago, ASSURED ME that this account would be DELETED as he was granting me an EARLY EXCLUSION. If this is not deleted from my report IMMEDIATELY, I will report Equifax to the State of Maine Attorney General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was scammed out of a thousand dollars through XXXX. I did not have a XXXX account. So Wells Fargo should refund my money according to Regulation E, I should get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2022 I received a letter from Chase Bank stating that they are terminating their relationship with me. They closed my accounts and credit card accounts. I went inside the brach and set down with a banker and he reviewed my account. The banker said that this was ridiculous and there was nothing on my account that looked suspicious. I am a police officer in the city and I receive direct deposits directly into my account. The banker said that there was no explanation as to why my account was closed, even he did not know. I feel that as aa long time customer I have the right to know why my accounts are closed, and at least given the opportunity to show proof that there was no illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: MO

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I received an alert from the credit reporting agencies stating that AWA has added an account to my credit reports. I never had any dealing with this company and never heard from them. 
Also, they never sent me a dunning letter and just added this alleged to my credit reports. I demand that they close this account in their office, deleted it from my credit reports, and cease and desist all collections activities including the reporting to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I purchased a mattress from Mattress Firm in XX/XX/XXXX. The promotion offered was interest-free financing for purchases over {$2500.00}, with no expiration date. Monthly payments were {$29.00} and Synchrony Bank financed the purchase. 

My XX/XX/XXXX and XX/XX/XXXX statement reflect this. Then a steady increase in monthly payments can be seen from XX/XX/XXXX through XX/XX/XXXX. {$90.00} is the new minimum amount due. 

When I asked about these everchanging minimum payments with customer service, I was told costs would revert to {$29.00} monthly once credits were applied to my account. This did not happen and today, XX/XX/XXXX, I was told the monthly {$90.00} is because my promotional offer required repayment in 36 months, and my new monthly payment would be {$90.00} going forward. 

The promotional offer I accepted was 0 % interest until the item was paid off. On my statement ( s ) in the Promotional Purchase Summary, Promotional Expiration Date displays UNTIL PAID OFF on the same page ; at the bottom, it also states No Expiration Date ''. Billing statements from XX/XX/XXXX to the present show the same. If the promotion were for 36 months or any other period, it would be reflected on my statements, and its not. Further, this can be seen on Synchronys website instructing customers How to Read a Statement. 

This change in minimum payment appears to have occurred after I disputed the charge, only resolved after I filed a complaint. I was told by customer service today, when you canceled Card Security and filed a dispute, you accepted a 36-month promotional offer. I most certainly did not! Why would I agree to a new promotional period that tripled my minimum monthly payment and if I did, why isnt it showing on my statement? 

I requested that Synchrony Bank adjust my account to reflect the promotional offer I accepted accurately, the one shown on my statement for the past six months with a {$29.00} minimum monthly payment until the item is paid off, with no expiration date. They have refused so I am asking for your assistance. This feels like a bait & switch. 

I have attached my XX/XX/XXXX statement and XX/XX/XXXX. I have additional documentation if needed

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 2022-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: NH

Complaint narrative:
The company ( Binance.us ) arbitrarily suspends the withdrawal of virtual currency asset XXXX XXXX XXXX XXXX  for prolonged duration without prior notification to the users. This suspension of withdrawal is not just specific to my account, but something that affects all users of the platform. 

I first noticed the suspension of withdrawal issue on XX/XX/2022 and emailed a customer service representative, as I could not find any information in the public domain regarding the suspension of withdrawal. I was informed by the representative, " the withdrawal suspension is due to wallet maintenance following a network upgrade, and other operations such as buying, selling and deposits of XXXX XXXX XXXX ) are operational, except for the withdrawals which would be fixed soon by developers ''. The following day, XX/XX/2022, the withdrawal service of XXXX XXXX XXXX XXXX was reopened, and the customer service representative responded that the wallet maintenance/network upgrade issues were resolved. I mentioned my disappointment about the lack of prior communication to users of these maintenance activities. 

Now, again on XX/XX/2022 and XX/XX/2022, the withdrawal of XXXX XXXX XXXX XXXX is suspended, without any form of communication. Therefore, based on my personal experience and that of other users, the suspension of withdrawal of XXXX XXXX XXXX ) seems to be a random and frequent occurrence at Binance.us under the premise of wallet maintenance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lefkoff, Rubin, Gleason & Russo, P.C.
State: GA

Complaint narrative:
XX/XX/2021 middle of the pandemic. I stopped working in XXXX to move back home in XXXX. Was looking for work. In XX/XX/2021 I was involved in a XXXX XXXX and had XXXX XXXX in XXXX XXXX I let XXXX XXXX know I wasnt working, I told them I was in a car accident. They closed my account and immediately sued me. The agent basically didnt care and kept harassing me to call other family for money to pay. They did not give one XXXX  about my situation. Once they found out about my accident the expedited the process to close my account to obtain a judgment against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation