vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
When I applied for the Chase Southwest Rapid Rewards Plus Credit card around XX/XX/2020, the terms were XXXX points after spending {$1000.00} within 3 months and another XXXX points after spending {$5000.00} withing 6 months. 

I received the XXXX points ( posted to my account after my XX/XX/2020 billing statement ). 

However even after achieving the spending threshold of {$5000.00} ( I reached this threshold with my XX/XX/2020 billing statement ), I do not see the additional XXXX reward points posted to my account. 

Chase claims that my account does not have any offer to earn XXXX bonus points. 

I strongly dispute this. I attach few documents which corroborate that I applied for the offer with the additional XXXX bonus points : 1 ) Offer details from this card from Chase website accessed on XXXX XX/XX/2020 ( you can see the date stamp on the top left of the 1st page ) - 2 pdfs which clearly mentions this offer. 
2 ) Offer details from this card from Chase website accessed on XXXX XX/XX/2020 ( you can again see the date stamp on the top left of the 1st page ) - which again clearly shows that this offer was still in effect. 

I had used the link from one of these offer pages ( on the Chase webpage ) to apply for the card. So when I do so, it clearly indicates to me as a customer that I am entering into a contract based on this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,

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 2020-07-24 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX - there is no balance information on this account or any dates.

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 2020-07-24 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX - there is no balance information on this account or any dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
As of XX/XX/2020 my XXXX XXXX XXXX  and XXXX XXXX report shows a increase of XXXX just added to my report through Ally Financial. I called Ally financial XX/XX/XXXX & XXXX Th 2020 at XXXX XXXX  and XXXX XXXX. Ally said there are no late payments and that they will file a dispute but will take 45 business days! My score as of XX/XX/XXXX Th 2020 is XXXX! If this increase of XXXX through ally financial was not appearing my score would be in the 700 s and I have not been late one time with them all these years! Why is this saying this if ally said in their end they see no increase of XXXX nor have I been late?! This is impacting my ability to have a higher score and it's not EVEN my fault ; (

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 2020-07-24 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XXXX I received my dispute results from experian report number XXXX. { see attached X-1 } I had disputed the account from XXXX XXXX XXXX account number XXXX for a major violation of the fair credit reporting act for re-aging the debt. XXXX XXXX XXXX  has validated the on record date of XX/XX/XXXX. Experian also allowed this to remain on the record without properly investigating it. On XXXX I received my dispute results from experian report number XXXX { see attached X-2 } I had disputed the account from XXXX XXXX XXXX account number XXXX for inaccurate info but the on record date Until XX/XX/XXXX. XXXX XXXX XXXX has willfully made false statements to experian about the age of the debt. Experian has failed to investigate properly on my behalf and is in violation of the Fair credit reporting act. the debt has been re-aged and must be removed from all credit reports.

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 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2020, XXXX XXXX I was putting large bills on my bank account in the XXXX atm in XXXX where i live to wells fargo, and it swallowed a XXXX $ bill. 
They tried to investigate, but in the end did not refund the lost dollar bill.

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 2020-07-24 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
As of XX/XX/2020 my XXXX XXXX XXXX and XXXX XXXX report shows a increase of XXXX just added to my report through XXXX XXXX. I called XXXX XXXX XX/XX/XXXX & XXXX Th 2020 at XXXX XXXX and XXXX XXXX. XXXX said there are no late payments and that they will file a dispute but will take XXXX business days! My score as of XX/XX/XXXX Th 2020 is XXXX! If this increase of XXXX through XXXX XXXX  was not appearing my score would be in the 700 s and I have not been late one time with them all these years! Why is this saying this if XXXX  said in their end they see no increase of XXXX nor have I been late?! This is impacting my ability to have a higher score and it's not EVEN my fault ; (

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I paid off my credit card in full with Captial One on XX/XX/20 the bill was due on XX/XX/20. At XX/XX/20 The company charged me interest on the amount I paid off so I called them to rectify the situation. I was told since my statement says " If you pay your New Balance in full by the due date each month, we will not charge interest on new transactions that post to the purchase balance ''. I was told " each month '' was the key word and that since I did not pay off the bill in full for consecutive months I get charged the interest for every day I had that balance prior to paying it off. The statement used the ambiguous terminology of " each month '' which sounds like each month you have a chance to pay the balance in full to avoid paying the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, that my XXXX mortgage of {$520.00} has not been received. ( # 1 Document ). I contacted the bank and was told that it had been deducted from my checking account on XX/XX/XXXX. ( # 2 Document ). I later contacted the company and was told that it was applied incorrectly. 

This mortgage account has been opened since XXXX and has always been bank draft from my checking account. ( # 3 & 4 Documents ). 

I called a 2nd time on XX/XX/XXXX, approximately XXXX XXXX. and was told that the money was placed in a suspended account. 

I called a 3rd time on XX/XX/XXXX approximately XXXX XXXX after receiving a Notice of Default letter. I was told to disregard the letter ; and for the last payment prior to getting the payoff, I was told to send a check in from my account instead of letting them do a bank draft ( # 5 Document ) I inquired if it would have any bearing on my credit report and they advised it would not. However, I received a notice from my credit monitoring stating that my score had dropped from XXXX to XXXX. 

This mortgage loan is scheduled to mature, and I sent the balance of {$22000.00} ( # 6 & 7 Documents ) on XXXX. Again, I contacted the mortgage company on XX/XX/XXXX and was told that they had received the payoff, however, I still received a letter saying the month of XXXX payment is due. 

In checking with the 3 credit bureaus, my scores have dropped from XXXX to XXXX from XXXX mortgage sending a negative report about this loan. ( # 8 Document ). 

I need XXXX to rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: NV

Complaint narrative:
I am having trouble getting approved for the type of credit that my file deems me worthy of. I am going to provide the proper information which will allow you to verify and identify the erroneous information that is appearing on my reports. I recently found that i was a part of the breach of 2017 which crippled me. 
My File number with Trans-Union is : XXXX. 
I have also filed a report with the FTC which I have included in this complaint. 
FTC Report # XXXX. 
Here are the accounts that are that are showing ; Account Name : XXXX XXXX XXXX Account Number:XXXX Balance : {$2500.00} Account Name : XXXX XXXX XXXX Account Number:XXXX Balance : {$1400.00} Account Name : XXXX XXXX Account Number:XXXX  High Balance : {$2500.00} Account Name : XXXX XXXX Account Number:XXXX Balance : {$1400.00} Unauthorized Inquiry 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 explanation
Consumer complaint received 2020-07-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609,  to request information regarding inquiries that are listed on my consumer credit report : Bank of America, XXXX XXXX, and XXXX XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, 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 explanation
Consumer complaint received 2020-07-24 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I received a notice from the Collection Bureau of the Hudson Valley , Inc. ( " CBHV '' ) attempting to collect debt of {$1200.00} from " XXXX XXXX, '' on behalf of creditor XXXX, which, based on an internet search, appears to be a telecoms company based in the New York Tri-State area. 

I, obviously, am not " XXXX XXXX  '' ; I have never lived in the New York Tri-State area ; and I have never engaged in any transaction with XXXX. CBHV is attempting to collect a debt from me which is not mine. 

Upon receipt of the notice from CBHV on XX/XX/XXXX, I immediately mailed CBHV a letter stating that the debt does not belong to me, and demanding that they provide any supporting documentation supporting their claim or else cease their collections effort. I mailed that letter on XX/XX/2020 to the address listed in the notice I received ( XXXX XXXX XXXX, XXXX NY XXXX ). Admittedly, I made the mistake of mailing it through USPS standard mail instead of certified mail. 

Since mailing the demand letter to CBHV on XX/XX/XXXX, I have not received any response from CBHV -- they have not provided any supporting documentation proving that the debt is mine. 

Today, XX/XX/2020, I received notice from XXXX  that CBHV has filed a report of a collections action against my credit account. CBHV has failed to respond to my demand letter within 30 days and continued its collections action, both in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
SINCE XX/XX/2019 I HAVE CONTINUOUSLY REQUEST CHEXSYSTEMS DELETE IT ERRONEOUS REPORTING OF A CHARGE OFF DEBT SAID OWED TO XXXX. I HAVE FILLED OUT THE ONLINE DISPUTE FORMS AND SENT CERTIFIED MAILS BUT TO NO AVAIL. I HAVE VISIT XXXX ON NUMEROUS OCCASIONS AND CALLED CORPORATE OFFICE ON NUMEROUS OCCASIONS. TO BE TOLD THAT XXXX HAS NO SUCH INFORMATION OF A CHARGE OFF A DEBT OR ANY PROBLEMS WHATSOEVER.

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 2020-07-24 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Home depot commercial account we talked to citi Bank and home depot because of covid 19 relief they told us to make XXXX every 60 days payment til we catch up our account wouldnt close nor would it be restricted tbey lied to us also thats our second payment the picture now they have closed account and put in collections

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 2020-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I need to link my bank account to a website called XXXX XXXX  for my daughter 's XXXX. You have to link it via your online banking sign in information. It tells me PNC has it blocked. I called PNC and they said they can't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquiries that are listed on my consumer credit report : XXXX  XXXX XXXX, Barclays Bank, and XXXX XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, 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 explanation
Consumer complaint received 2020-07-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquiries that are listed on my consumer credit report : XXXX  XXXX XXXX, XXXX XXXX, and Comenity Bank. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
PayPal has closed my account and is holding my money for $ 180 days. ( 6 months )! 
They said they are holding it due to if someone wants a refund. I have a personal account not a business account. The only money put in my account was from unemployment. Which I really really need. 
I've tried every Avenue I can think and I still am not able to withdraw my funds. 
I just want to send my money to the prepaid service I use now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 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: Security Credit Services, LLC
State: WA

Complaint narrative:
On XXXX I received my dispute results from experian report number XXXX. { see attached X-1 } I had disputed the account from Security credit services account number XXXX for a major violation of the fair credit reporting act for re-aging the debt. Security credit services has validated the on record date of XX/XX/XXXX. XXXX  also allowed this to remain on the record without properly investigating it. On XXXX I received my dispute results from experian report number XXXX { see attached X-2 } I had disputed the account from security credit services account number XXXX for inaccurate info but the on record date Until XX/XX/XXXX. Security credit services has willfully made false statements to XXXX  about the age of the debt. XXXX  has failed to investigate properly on my behalf and is in violation of the Fair credit reporting act. the debt has been re-aged and must be removed from all credit reports.

Company response to consumer: Closed with explanation