vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened an account online as part of a new account bonus offer that included a checking and savings offer. I opted for the checking only and the savings was also. I was supposed to get {$300.00} for opening a checking account and having direct deposit of {$250.00} or more in 2 consecutive months. I satisfied those qualifications and I called to check the status of the bonus and was told that there wasn't one and I needed to bring in the coupon to the branch. Since none of the disclosures were provided to me in any other method than on the screen online, they don't keep them online along with other account documentation, I had no way of finding the information regarding the 3 month old coupon. I was told by customers service to find any coupon, bring it to the branch and maybe they might be able to help if they are willing make an exception. Exception for what? Their systems not honoring a promise? More work on my end needs to be done because of a bait switch scenario it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Have file a police report on these accounts. They do not belong to me and my identity was stolen and use without my consent. These accounts are reporting on my XXXX  credit and need them remove please. Have send the banks and XXXX  fraud departments my police report for identity theft and proof that these accounts do not belong to me. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX, TX XXXX Open XX/XX/2015 {$4800.00} Comenity Bank ( Not my accounts ) XXXX  Card {$4000.00} XXXX XXXX Card {$1200.00} XXXX XXXX Card {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Access to my checking account funds have been frozen. 
No valid explanation given as to why the funds were frozen. 
Yes, I did make 3 transactions hours apart at the same store. But, since XXXX is the only store within 30 miles in any direction, that is not unusual. 
There is not a Bank of America ATM within 100 miles of this location. 
Fees can be as high as 20 % for using another bank 's ATM. 

There was no communication about the freeze sent. 
Bank of America said they do not have a complaints department nor a way to record complaints.

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 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: NV

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-06 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: TX

Complaint narrative:
Have file a police report on these accounts. They do not belong to me and my identity was stolen and use without my consent. These accounts are reporting on my Equifax credit and need them remove please. Have send the banks and Equifax fraud departments my police report for identity theft and proof that these accounts do not belong to me. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX, TX XXXX Open XX/XX/2015 {$4800.00} XXXX XXXX  ( Not my accounts ) XXXX Card {$4000.00} XXXX XXXX Card {$1200.00} XXXX XXXX Card {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened checking account as a result of an invite by Wells Fargo bank with {$400.00} bonus code. The requirement to get this bonus is to set up direct deposit monthly and to accumulate {$3000.00} within 150 days.XX/XX/19, I walked into Wells Fargo Bank in XXXX XXXX XXXX, XXXX, CA XXXX and was met by Premier Banker Ms XXXX XXXX. We both had the understanding of the requirement for the {$400.00} bonus. She reminded me to make sure there would be {$3000.00} in my account by direct deposit within 150 days. I assured her that i have set up social security check direct deposit as of XX/XX/2019, I waited 8 months and I still do not see {$400.00} bonus deposited in my account. I talked to same bank manager and he filed complaint for 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 monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
On XX/XX/ 2019, I received a call and email correspondence from Prosper Loan LLC/Prosper Funding LLC for a personal loan. I called the number in the email back and had a near 2 hour call with a guy who said I was approved for a loan and to proceed with bank account verification to obtain the loan. This included verifying my information that he already had as well as purchasing gift cards in the amount of XXXX $ and giving the information of the gift card to him. I was on the line waiting for the loan to be transferred to my account and it never happened. I called back to no avail, he did however call back the next day appearing in good spirits and denied it being a scam, which it completely was

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 2019-12-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
This company ( Consumer Collection Management , Inc ) which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company ( XXXX ). Reporting of the debt is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
My Best Buy Citibank bill is due on the XXXX of every month and I missed my XXXX payment on XX/XX/XXXX. So I paid it on XX/XX/XXXX. I was charged a late fee, which is acceptable because it was late. So in order for my XXXX payment to not be late, I paid it on XX/XX/XXXX. I paid {$200.00} of my {$170.00} minimum XXXX payment on XX/XX/XXXX. Then I paid {$200.00} of my {$170.00} minimum payment on XX/XX/XXXX for my XX/XX/XXXX payment. But when I went to confirm that I didn't need to make a payment on XX/XX/XXXX, I had a minimum payment due. What?! So I called them and they said that it was because the payment was made in the XXXX billing cycle that runs until XX/XX/XXXX it can't be applied to the XXXX minimum. Huh?! So their policy is my payment is due on the XXXX. Late payment applied if not paid by XXXX. But if I make another payment before the XXXX, it is still in the billing cycle of the month I just paid in. How is my payment on the XXXX late if it is still in the billing cycle??? If my payment on the XXXX is late, then how is my payment on the XXXX not on time for the next due date? That is shady!! -- -XX/XX/XXXX {$170.00} due. -- -XX/XX/XXXXcharged {$39.00} late fee for no payment on the XXXX. -- XXXX XXXX paid {$200.00} for late XXXX payment. -- -XX/XX/XXXXpaid {$200.00} for XXXX bill due on XX/XX/XXXX. -- -Notice from Citibank another {$170.00} due for XX/XX/XXXX. -- XXXX XXXX charged {$39.00} late fee.

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 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: MO

Complaint narrative:
This company ( Perdue Brandon Fielder Collins and Mott, LLP ) which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

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 2019-12-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Capital Enterprises, Inc.
State: MO

Complaint narrative:
This company ( American Capital Ent ) which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sequoia Financial Services
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have had a Lowe 's store card with synchrony bank about 1 year with a {$1000.00} credit line. I have maintained this card in accordance with the terms with no late or any negative use on my part. I have kept a small balance of current {$130.00}. I was shocked to be declined for a small purchase telling me I had only {$5.00} available credit. Upon calling the bank I was told I was notified which I was not. The reason given were unfounded and unfair. Stating my lack of real estate credit and too many account. My account total size are relatively the same as when I aquire this card. This makes the second time this has happened with last year exact situation only on amazon card same bank same untruthful information. I have no late on my credits with any creditors and now with a forced account set to a maximum debt to balance I have been hit with a major credit score reduction of over 45 points just from this unfair practice. I understand that they have the right to make changes but I also have a right to be properly notified and given a choice to pay off and close Pryor to a line reduced to balance and now holding a at limit debt. Even paying off and close now will negative impact for years on for a unjustly aftion.

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 2019-12-06 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
on XXXX around XXXX est I called synchrony because I kept getting my date changed wrong. First, they changed the due date when I asked for the statement close date. Then they changed the statement close date to the XXXX when I asked for it to be on the XXXX. 

an agent kept saying call in during the morning. I kept telling him that calling is hard due to a XXXX ( XXXX ) and needed reasonable accommodation to have him send a secure message. Eventually, I got passed to an agent that took the extra 5 minutes to understand what I was saying. 

Having an agent just refuses to do anything when I need extra help due to a XXXX that hurts my ability to communicate is discrimination. I asked for a reasonable accommodation. He just kept telling me to call back. That isn't helping. That is discriminating by ignoring a XXXX case number 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 explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmerAssist A/R Solutions, Inc.
State: MO

Complaint narrative:
This collection company which I have No Contract with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA/FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Corporation of America
State: NV

Complaint narrative:
Received a letter from debt collectors about a medical bill about a month and a half ago. I immediately called them. Talked with representative and when I asked for more information about what I needed to pay for, she only relied that it was a medical bill. I asked her to send me a letter stating what I was being charged for. I never received that letter. Today I received another letter stating that I need to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Westchester Branch Theft of Safe Deposit Box XX/XX/XXXX I opened an account with Bank of America Westchester Branch in XXXX while at the same time I opened a safe deposit box I have been visiting the safe deposit box for over 10 years Earlier in XXXX I went to visit the safe deposit box and the biometric scanner that I had been using for 10 years was gone I went to the teller and asked how I could gain access to the safe deposit box and why they had removed the biometric scanner The teller went to get the branch manager The branch manager told me that they did not have good records of who had safe deposit boxes so they removed the biometric scanner and were forcing everyone to visit the teller to gain access to the safe deposit boxes Upon checking the branch manager told me that they did not have a record of my safe deposit box either Since the account was a joint account he told me that I had to come in to the branch with the other joint account owner and complete new paperwork for the box My wife and I went to the branch and completed a new agreement for the box I could not get a response from them for several months on the status Now they are telling me that my box never existed and they will not provide me access to the area where the box is located I argued with them but they will not give me access even though I have the key to the box I have documents and other valuables stored in the box Many items are valuable and not replaceable I consider this action to be grand 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 monetary relief