vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I created an online banking account with Chase Bank. They stated that if I created an account with direct deposit, that they would award me with {$200.00}. Once I signed up and used one of my other verified addresses, I inputed my unemployment direct deposit. The next day for no apparent reason. Chase decided to lock me out of my account with out a valid reason. Shut down there customer service options on the phone and I couldn't call back. Chase asked me to provide them with a utility bill from my from my previous address and I provided them with a letter confirming proof of address. But to no avail my account is still locked out and chase refuses to help me get my {$200.00} and I've lost this weeks unemployment due to chase bouncing a perfectly valid direct deposit into an account that had absolutely nothing wrong with it. The customer representatives were very unhelpful and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
An identity thief used my information to fraudulently open an account and purchase devices totaling {$1600.00} at XXXX in XX/XX/XXXX ( in addition to opening other accounts at XXXX XXXX XXXX and XXXX ). By the time I learned this had happened, it was XX/XX/XXXX. 

I contacted all three cell phone companies to report the identity theft, XXXX and XXXX XXXX XXXX sent me letters confirming the accounts were opened fraudulently, but XXXX confirmed verbally over the phone that it was fraud, but never sent me any follow up and instead XXXX referred the account to collections - originally a company called XXXX. I filed a police report and took all the steps outlined on identitytheft.gov to contact XXXX and XXXX to let them know I was a victim of identity theft and to cease attempts to collect ( XX/XX/XXXX ). 

I received no follow up from anyone, but the collections account did disappear from my credit reports, so I assumed the problem was resolved. 

Then today I received a collections letter from a company called Southwest Credit for this XXXX   account, despite the fact that it was made explicitly clear that I was a victim of identity theft, and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: CO

Complaint narrative:
I would like to know why is equifax sending my credit information to previous addresses I received a notification through the us postal services showing the same mail I got at my current address the same day? Please see attached. Procedures like this is what exposes people information to the wrong people. My creditors had already updated my new address and I called you to update it. Why send my information to other addresses? This leads me to believe that even the addresses that keeps popping up on my credit file is going to other addresses and I was told I had a mixed file or something and often when I call they have to keep updating my name. Last year had to update my birthday. How does that come off my file? know nothing about are u sending my info to them too? Once again Im gon na fax you my personal identification, Social Security card, and current utility bill etc. Im very upset about this. This totally unacceptable! Your helping the identity thiefs by doing this practice! On XX/XX/2020 At approximately XXXX XXXX XXXX XXXX  I called experian and spoke to a XXXX in the fraud disputes department in regards to the blocking of those frauds accounts and she said she could only dispute it. So I asked to speak to supervisor which his name was XXXX and explained everything and told him I received a response back from my complaint about the accounts supposed to be blocked from the FTC report and he said basically that he knew nothing about it and was some what rude.i called transunion and same thing the super visor there told me he can not block without permission. I feel its best in situations like this is to just get an attorney and sue. Who has the time to just go back and forth like this. My heart goes out to all the victims as myself who have to go through all this and I see why Equifax had a data breach! With what I see how your handling my information theres gon na be another XXXX real soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I Sent Off Dispute Letters XX/XX/2020 & All 3 Credit Bureaus Has Not Replied. Its Has Been More Than 30 Days Once Again, & Everytime None Of These Entities Have Provided Verification & Proving This Belongs To Me. This Is My Final Attempt To Correct This Issue & None Of Them Still Gave Me What I Needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/2020 and i was not approved because apparently there are many accounts in negative standing appearing on my credit. I looked my credit report and I saw about nine accounts that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies in any way and I never gave them permission to run or access my credit information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/2020 and i was not approved because apparently there are many accounts in negative standing appearing on my credit. I looked my credit report and I saw about nine accounts that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies in any way and I never gave them permission to run or access my credit information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police 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 2020-06-28 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: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/2020 and i was not approved because apparently there are many accounts in negative standing appearing on my credit. I looked my credit report and I saw about nine accounts that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies in any way and I never gave them permission to run or access my credit information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police 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 2020-06-28 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I opened a Barclays Uber Credit card some time ago. I haven't used it much recently since they changed the terms to make it basically useless for anything except Uber, and given that we're in the middle of a pandemic, I haven't travelled recently be it for work or personal reasons. With no warning they closed my account, because obviously it's perfectly fine to expect your customers to put their health at risk to travel just to use your card -- according to them it was closed in XXXX because of a 'inactivity in the past few months ' which is well with in pandemic range. This was annoying enough since I got exactly zero information that this was about to happen ( no, I received no letter from them ), but they've also declined to reimburse me for the credits I still have with Uber. Under the circumstances this is the very LEAST they could have done. I contacted them multiple times ( email -- as I've noted below I can't even get a person on the phone ), but despite the credit still being listed on the very first page of my account, per their response 'we don't see it on your UBER Visa Platinum Account '. They also closed the message chain making it impossible for me to reply despite requesting that I do just that. The credit is a small amount so there's no good reason why it shouldn't have been immediately refunded even without my request, especially given how poorly the closure was handled. I've attached snapshots of the message where they claim they can't find it ( and then ask me to reply when the notice at the top clearly states that the message chain is closed ) as well as the main page of my account which clearly lists the credit that they somehow can't find. I've also tried contacting them by phone, only to be told that there's no one who can help with my account -- not that there's a long wait time, that their automated system literally can't connect me with a person. So this is my last remedy.

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 2020-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: HI

Complaint narrative:
I am writing to inquire if you could help me with an aggressive collection company named United Collections Bureau. 

The credit card debt from my XXXX  XXXX XXXX XXXX card ending in ==== was originally sold to a company named XXXX XXXX. 

They have sold my debt to several collection agencies or attorneys. I started paying on this debt which was over {$10000.00} in XXXX. I have always been consistent in my payments. 

I am XXXX and work part time as my condition permits. I have limited set income each month. 

In XXXX, United Collections Bureau took over the debt and demanded I pay XXXX per month for their two year contract because their contract was up in two years and they threatened a new company would make me pay a larger monthly payment. 

Since United has taken over the debt they have bullied me into thinking I had to pay them as high at {$130.00} per month in order to keep my account current and no action to be taken. 

Since COVID 19 they have not offered me any payment deferrals and I begged them to lower my payment to {$50.00} which is still hard for me to pay. 

In XXXX, they agreed that they would lower the payment to {$50.00} dollars per month for the duration of the debt, but when I received my statement, they raised my monthly payment to XXXX beginning in XXXX. This is not what I agreed to. And since I have been out of work due to COVID 19 the XXXX dollars is not doable any longer. 

All I can pay at the most is {$20.00} per month. 

I have been faithfully paying this debt since XXXX, some agencies that I worked with were kind and let me pay {$20.00} per month. But my debt keeps getting tossed around to different agencies and I believe I am being taken advantage of, bullied, lied to and scared into doing whatever they demand. 

Why if I have consistently paid the debt for more than XXXX years, should I be hounded by people who have bought my debt for pennies on the dollar? 

Is there any action you can take in helping me reach a fair monthly payment, or letting me know since this debt is so old if its past the statute of limitations and should be expunged. 

Any guidance you can give is greatly appreciated.

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 2020-06-28 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was reviewing my credit today and an inquiry for XXXX appeared on my report. I don't know who this is and I have been actively cleaning up my credit so I have not made any inquiries in over 3 years.

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 2020-06-28 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I was reviewing my credit today and an inquiry for XXXX appeared on my report. I don't know who this is and I have been actively cleaning up my credit so I have not made any inquiries in over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I had debt with XXXX  XXXX which was closed with a status of paid/closed never late. Portfolio Recovery Associates ( PRA ) purchased the account. PRA is still reporting this debt as open and derogatory when according the FCRA this debt has passed the 7 year allotted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have two credit cards with Chase. Total balance about $ 20k. I never get this much in debt but the CC amounts are so high because I had to move to support a family member who is sick and then the virus hit which meant a loss of income and I struggled to pay the interest and debt. I did the 3 month standdown of payments chase offered during the virus but they still charge interest which I have to pay later!!! So there is no gain. Talk about morally corrupt. They should have not charged interest. Chase is getting money at almost 0 % with big government subsidies and are still charging 17 % on CC 's! 
Since the virus hit, I've contacted Chase about 8 times - both by online messages and phone. I've spoken to numerous departments. The only offer was to close the cards and put me on a 5 year plan at 12 %. This will be about $ 10k in interest! 50 % of the debt!!! Still robbery. And to close the cards seriously affects my credit report which I'd like to avoid. 
I've always paid my debts in my life, never been bankrupt, and been a good customer of theirs for over a decade. It is reasonable in this trying times of the virus and economic shutdown to get a compromise solution from them. I've asked them to lower the interest rates on the cards so I can manage to make the payments. Another bank I had a card with did this and I paid it off. However chase has refused. They should be reducing interest to those in trouble to single figure interest rates. Which is still way higher than the bank rates and covers the risk of unsecured debt. 
The Chase department that deals with negotiating debt advised me to declare bankruptcy!! I asked them a couple of times if I was hearing them correct and they said they had no options for me other than advising me to declare bankruptcy! I'm reaching out and trying my hardest to deal with this debt in a reasonable way and asking them to compromise and lower the interest rate on the cards and they refuse. I do not want to walk away from the debt but Chase needs to be more lenient in these troubling times and meet me half way. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Initially on XX/XX/20 I submitted a complaint id XXXX that transunion had incorrectly removed my XXXX XXXX credit card from my credit report which dropped my credit score 41 pts. On XX/XX/20 my XXXX XXXX credit had been readded to my credit report increasing my score 34 pts however as of XX/XX/20 my XXXX XXXX credit card had been removed from my credit report once again dropping my credit score now 37pts. I reached out directly to Transunion advising them my card was incorrectly removed again. I was advised there was nothing they could do since they only report from the creditor. My credit card is still active and should not have been removed.

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 2020-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I applied for a Capital One Venture card on XXXX XX/XX/XXXX. I was approved for the credit card on XXXX XX/XX/XXXX. According to the company, the card was sent on XXXX XX/XX/XXXX. I received an email on XXXX XX/XX/XXXX that it would arrive by XXXX XXXX. 

However, the card took several weeks to arrive at my home address in Colorado. 
I work XXXX  and the card and full terms and conditions and welcome package did not arrive before I left. 

The account did not show up on any of my internet banking. I received one email that the card had been approved. I received no emails or other form of communication that the account was open or activated. Once I arrived back home in XX/XX/XXXX, I was able to receive the physical card and the full terms and conditions. It was only then, with the physical card, that I was able to call the company, activate the account, and use the card. 

Once I activated the card on XXXX XX/XX/XXXX, I spent {$5200.00} within XXXX, XXXX, XX/XX/XXXX. 

Per the terms and conditions, as advertised repeatedly to me : Earn XXXX bonus miles once you spend {$3000.00} on purchases within the first 3 months from account opening ( 1 ) 1 ) This one-time bonus is available by clicking the Apply Now button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders. 

The company is not clear about what they meant in the terms and conditions by " account opening ''. To me, it seems logical that " account opening '' should be the time when I was able to activate and use the card for purchases and after the account showed up on my internet banking portal. Within the time required, I spent well over the minimum spend required by the terms and conditions. 

The opening date of account is considered by Capital One as XXXX XXXX, even though they are unable to tell me when the card arrived at my house or how long the card spent in transit. Thus, the length of promotional offer was not as advertised. 

Although multiple people at the company have said they can see from my perspective how the advertising was unclear, Capital One has refused to consider my bonus rewards request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Closed my credit card just recently without any advanced notice. Fees were issues on my account when their system was broken and on multiple occasions I was not able to login to my account. I had to change my username and Password more than 20 times and not able to connect my bank account to their credit card. I was charged total fees of XXXX as a result of their faulty technology.

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 2020-06-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
On XX/XX/XXXX, I discovered that i could no longer transfer money from my unemployment debit card to my bank account. This is problematic because I specifically choose the debit card for this feature, as I pay my rent through a check and the direct deposit system was so buggy. 

The fee to transfer is still listed in the fee schedule and Im now informed that all transfers are now not possible, even over the phone. This feature being frozen ( without any notification ) changes the terms we agreed to, and freezes many people out of their money.

Company response to consumer: Closed with explanation