vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 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:
I received a notice from Chase Bank stating we have decided to end our relationship, Since receipt of the notice I called the phone number listed on the account to find out the reason for the closure, and was not able to get an answer. I was also told that I will not be able to open any accounts at chase bank in the future. They were not able to tell me why. I have never had a bounced check or failure to pay any charges, I have a balance between the checking/savings/bokerage account of over {$150000.00}. When I asked them about any remedies and the answer was none, they claimed they are the front end of the bank and there is nobody else I can talk to or complain to. I also asked them if there was a consumer agency I could complain to and the answer was again none. 
My gripe is I need to know the reason for closing my accounts, their take is I signed a disclosure that the bank can close my account for any reason. I feel being a minority I am being discriminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have numerous unknown inquiries on 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 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
I have had repeated issues with TD BANK blocking my cards and most recently my ability to access my online banking due to being in another country. 

I advised my local bank I would be traveling abroad and there were no problems until they went to an automated security system which blocks my card about every 2 months. I recently had to file a complaint after roughly 50 consversations with the bank about the issue. My card was finally unblocked for at least the 10th time in two years within the last month.

Roughly two weeks later, they blocked my accesss to my online banking account. I can answer all security challenge questions and even did so on the phone. Their reply : If you don't have a US phone number that we can send a text code to, you can not access your account.

Having this as the only option is a violation of their duty to the consumer and is incomprehensibly irresponsible that somebody can verify all security information and still be denied access to their account. 

Please request the recording of my discussion dated XXXX XX/XX/2020 with the TD Bank Customer Service Supervisor who did everything in his power NOT TO HELP, until I refused to leave, became aggressive and insistent. 

Combined with the past violations by TD of rigging XXXX XXXX, Structuring Tranactions and otherwise being either dishonest and uncaring about their customers, they should either be forced to reform and have their license to do business in the United States revoked. 

Despite repeated calls about this issue, I have never gotten any action until I have gone this route, via CFPB. 

Within minutes of writing this and trying to access my account for the information requested on page 4 of this complaint, I have yet again, been blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: GA

Complaint narrative:
I have advised TransUnion on several occasions that the accounts with XXXX XXXX ( Origianl Creditor : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX and XXXX XXXX XX/XX/XXXX, do not belong to me and may be a result of Identity Theft. TransUnion has yet to prove where they got this inaccurate information and will not correct the inaccurate information. Please help me get this issue resolved.

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 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have a credit card thru Citibank on XXXX XXXX I agreed to a payment plan of {$57.00} to be automatically drawn from my checking. I have had the auto payments taken out but still received numerous collection and emails I was past due. After calling 3 months in a row they said yes I am on a payment plan and they would have to escalate this and get my account fixed I wouldnt owe any of the interest or Late fee charges. They still have not fixed this. It has been reported each month to the credit bureau that I am late and missed payments which then resulted in my credit scroe dropping 21 points each month and just continues. This is absolutely disgusting how it takes this many phone calls and months for them still to get my account correct.

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 2020-07-30 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1200.00}

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 2020-07-30 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1200.00}

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 2020-07-30 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$91.00} XXXX  XXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been struggling to make payments for years since my mortgage kept going up. I later found out that the reason was because of my escrow for my Forced placed insurance. Today I was finalizing my new policy with another provider via a broker and I discovered that the forced place insurance that I was paying was for a coverage of $ XXXX. 

My modification was 6 years ago and the loan amount was XXXX I currently owe XXXX approximately. 

I called the lender and they kept telling me that what they showed. I dont understand if they now the loan amount and what is owed why they used different information to place insurance that was more expensive for a higher coverage than the actual risk. 

I think this should be adjusted and I should be credited for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: IN

Complaint narrative:
On XXXX XXXX I initiated a dispute with my credit card company for a purchase of {$660.00}. They credited the charge pending outcome of the investigation. The dispute was resolved in the merchants favor and the credit was reversed on XX/XX/2020. I paid the balance in full. The credit card company then reversed the exact same credit again on XX/XX/2020 creating a new balance in the amount of {$660.00}. Since XX/XX/2020 I have reached out to the credit card company multiple times to resolve this to no avail. My previously XXXX balance is now {$660.00}. On XX/XX/2020 I was told to allow a few days for the account to be corrected. On XX/XX/2020 I was told the same thing. Then again today, XX/XX/2020, I was told the issue had been escalated with no promised date of resolution.

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 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I received {$5900.00} via PayPal from a friend. I have been a frequent user of PayPal for family remittance, goods and services, and other bill payments since XXXX. After receiving the {$5900.00}, PayPal limited my account, essentially locking my ability to do anything - I could not refund, deposit, or close my account. As of writing it has been 20 days since PayPal stated they were reviewing my account to remove the limitation. As a compliance professional, I am well versed in account reviews, onboarding ( XXXX  ), as well as enhanced reviews. I was informed that the review would take 3 days to complete after submitting my documentation showing the legitimacy of this transaction and previous ones. PayPal customer service stated the XXXX XXXX XXXX ( XXXX ), was 3 days. I requested the case be escalated several times - to no avail. PayPal stated I am unable to even close my account. I am unable to call into their customer service line, receive any useful information from their chat function, or use my account. Once this is resolved, I will never be using PayPal again and will advise friends and family to do the same. 

Thank you, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I have had an account with Coinbase for the past three years. It is attached to my checking. I have had a portion of my pay check automatically deducted for almost three years. 

On XX/XX/18, I was moving my Cyrpto currency to a new platform when Coinbase suspended my trading activities. They even froze my crypts. I then tried to cancel my account but I have received no word after sending out several ticket requests. 

They also wanted me to verify my identity. I attempted f times to do thisand every time they said they my Drivers Licensee was not legible and to try again in 48 hours. 

According to Coinbase XXXX, they are allowed to suspend my trading activities without warning. However, their terms of service also state that : 1. I can close my account at any time 2. By their XXXX Coinbase is to distribute the remaining balance of my closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: INTERCONTINENTAL CAPITAL GROUP
State: FL

Complaint narrative:
This Company gave me a hard ( regular ) Inquiry on my Credit report without my permission. I did not speak with anyone from this company, and never contacted them. I believe they are a fraudulent company that just sells your information to refinance/mortgage companies. This fraudulent Inquiry is negatively affecting my credit score. This company does not have any phone numbers that work, and if you look it up, 3 numbers come back- they all remain busy for hours, they never connect you to a live persons- it's all fake The Inquiry reads as : Intercontinental Capital via XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX it states it was for a permissable purpose : credit transaction ( not true, never spoke to anyone ) on XX/XX/20 ph. XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unauthorized inquiries on 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 2020-07-30 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$91.00} XXXX  XXXX {$3900.00}

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 2020-07-30 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$91.00} XXXX  XXXX {$3900.00}

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 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied to American Express, based upon a recommendation from XXXX  Credit reporting agency. According to XXXX, I had a 81 % chance of being approved for an american express card. 

I was declined, for numerous reasons, none of which apply to me. The reasons are listed below : 1. The amount of credit available on your bank credit card account with the least credit available is too low ( XXXX  ) 2. Too many of your accounts were opened in the last two years. ( XXXX  ) 3. The remaining balance on an existing education loan ( s ) is too high. ( XXXX  ) 4. The interest rate on your last open installment loan is too high ( XXXX  ). 


The information that American Express is using is illegal & discriminatory. I have a current FICO score of XXXX, my yearly income is over {$170000.00}. I have XXXX available to me in credit, of which my balances are less than {$4000.00}. 

I have credit cards with XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX ( auto loan ) XXXX XXXX, XXXX XXXXl If having a prior loan with a high interest rate and a high student loan balance are deciding factors in granting credit, this goes against the FCRA of 1965. This would also prohibit a large segment of the population from being granted credit. 

After speaking to American express, on XX/XX/XXXX, American Express stated that the decision was based upon XXXX XXXX findings. However, XXXX  was the reporting agency who recommended applying for the credit card. 

According to the credit department at American Express, my FICO score was not the deciding factor. So, is american express making decisions based on other factors? 

What exactly are the ground rules & requisites for applying for american express cards? what factors are really used?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. DPTEDXXXX XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. DPTEDXXXX  XXXX {$760.00}

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 2020-07-30 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. DPTEDXXXX XXXX {$760.00}

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 2020-07-30 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: NY

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

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