vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, a stranger broke into my hotel room, XXXX assaulted me, and stole my driver 's license, credit card, two debit cards, and prescription XXXX before he left. Before I became aware of my missing property, the man withdrew a total of {$10000.00} from my checking account with my debit card ( still have no idea how he got my PIN # XXXX. He did so in three separate transactions- one ATM withdrawal for {$800.00} XXXX right down the road from the hotel ), a branch withdrawal of {$7000.00}, followed by another branch withdrawal of {$2400.00}. Immediately upon knowledge of this ( on XX/XX/XXXX ), I called Chase and reported it. Claims dept. took the information regarding the ATM withdrawal but made me call the fraud dept. to report the branch withdrawals since, " These involved checks '' ( and the branch XXXX ultimately told me they were teller withdrawals taken out with my debit card and pin ). 

On XX/XX/XXXX, after continuous calls to Chase 's fraud dept. with no concrete update to my claim, I went into one of the branches the thief went to. There I was informed I had to sign an Affidavit of Unauthorized Signature and did so. I was never told by anyone at Chase that I had to sign this document or else I would have weeks ago. I attached my written police report statement as the police would not provide me with a report number until the investigation 's concluded. The police INCIDENT REPORT number is XXXX. THE NEXT DAY is when they finally sent me the letter to sign an affidavit, as it showed up in my account alerts/notices. XX/XX/XXXX, they approved my claim for the {$800.00} ATM transaction ( as a " one-time courtesy '' as I was told by Chase 's XXXX office ; she also told me that the ATM trans. was filed under Reg E and bank withdrawals processed under Reg CC. ) That same day, I called to confirm their receipt of my signed affidavit faxed by the branch XXXX, was told it takes about two business days to come through and to try back on Monday. On XX/XX/XXXX, I called again and was told they still haven't received my affidavit and to re-fax it. On XX/XX/XXXX, I re-faxed the affidavit and called the fraud dept. for confirmation ; customer service rep. told me that they already received the faxed affidavit on XX/XX/XXXX and my claim was denied due to lack of care in keeping my account guarded against theft by possibly having the PIN # written down ( which WAS NOT THE CASE ). I asked if I could see documentation of the investigation they performed and evidence as to how they came up with that decision but was denied access to any more information due to " the type of claim ''. I was NOT negligent of my account and if they want to hold me liable for this colossal transaction, the burden of proof lies with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My daughter brought a car and Wells Fargo is the bank the finances the vehicle she brought this car from her former job area it was a XXXX dealership car XXXX XXXX 2014 I think this vehicle somehow was put in my name through the company my daughter work for because of her credit. The car was pulled XXXX from a parking area at onXXXX of her friend 's house because she didn't have an up-to-date sticker the tow company kept a car in contact the Wells Fargo Bank the finance company on the vehicle that's the time I found out this vehicle was put in my name as well as my daughter 's name her name is XXXX XXXX she has reached out to Wells Fargo Bank numerous the time to correct this error but for some reason my credit has took a major drop because of this incident this is not my debt this is my daughter 's dept and she's has tried to accept this debt and have XXXX Wells Fargo bank that this is on her, not her dad. But they have not removed this debt from my credit. Can you help me get this removed immediately thank you. XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I went online land locked my card on XX/XX/2021 as I always do when Im not using it later that day I went to unlock it I couldnt log in saying my password was incorrect then the website kept saying its experiencing technical difficulties I spoke to a representative who told me she didnt know why my account was locked and I told her it wasnt locked because I didnt get an email she said I did again I didnt she then said shed send it over for review and it will be two business days so I get an email at XXXX telling me my account is permanently suspended due to me receiving a direct deposit not in my name? Mind you the only deposit I get is my stimulus check which Ive been a customer for the last 5 years and this is the second time they closed my account the first time is because my last name is XXXX XXXX XXXX under my employer and my account states XXXX XXXX however name address social security all is the same?? For 5 years these people are the worst I speak to 5 different people then ask them are my funds secure? They tell me they dont know? However the first XXXX this happened I spoke to someone who could tell me and not only tell me but got it resolved and my account back open before the letter I sent them probably even arrived then they tell me to call XXXX XXXX at XXXX @ XXXX as if she is bluebird company? I need my money my last two stimulus checks came to this same account with no problem just like my last direct deposits for 5 years was being deposited so they just give you the run around close your account then their website is down its all over the internet and its happening to everybody I stopped my employer deposits from this account once I get my money back this time Im completely done with bluebird forever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My daughter brought a car and Wells Fargo is the bank the finances the vehicle she brought this car from her former job area it was a XXXX dealership car XXXX XXXX XXXX XXXX think this vehicle somehow was put in my name through the company my daughter work for because of her credit. The car was pulled XXXX from a parking area at one of her friend 's house because she didn't have an up-to-date sticker the tow company kept a car in contact the Wells Fargo Bank the finance company on the vehicle that's the time I found out this vehicle was put in my name as well as my daughter 's name her name is XXXX XXXX she has reached out to Wells Fargo Bank numerous the time to correct this error but for some reason my credit has took a major drop because of this incident this is not my debt this is my daughter 's dept and she's has tried to accept this debt and have XXXX Wells Fargo bank that this is on her, not her dad. But they have not removed this debt from my credit. Can you help me get this removed immediately thank you. XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
RE : XXXX # XXXX My mortgage loan is with Fifth Third Bank. I've been making extra monthly payments XXXX curtailments XXXX of {$450.00} that is automatically withdrawn from my checking account ending in XXXX. My checking account is also with Fifth Third Bank. Fifth Third withdrew {$450.00} from my checking account on XX/XX/21, credited my mortgage account but then reversed the transaction. Regardless of the reason for the reversal, the funds have never been credited back to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Bank closed my account without my knowledge. They send frequent emails regarding sales, so communication obviously isn't an issue. 

To my shock and horror, I received an update that my credit score dropped, putting me in the red. I worked so hard to build my credit and they destroyed it. All the company had to do was send an email notifying that the account would be closed due to inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have contacted this company on several occasions and finally settled to pay my balance in XXXX. There was 2 payments made of {$280.00} dollars on XX/XX/XXXX and XX/XX/XXXX. I was told once the payment was received it would be reported to the credit bureau as settled and paid. Fast forward to today XX/XX/XXXX this account was reported as late. I contacted this company and I initially was told my account doesnt qualify for a settlement. So I advised that I had the letters and was provided a different answer then stating she found the letter in the system and she would need to send me to another department. I was transferred and advised that it would take 7-10 days to update my report. Not acceptable it should have never been reported late at all and it should have been documented that the account was settled.

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 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management
State: FL

Complaint narrative:
On XX/XX/XXXX I called fox collection to ask a few questions about a previous payment I made, at that time the agent started making threats about me being reported to the credit bureau. I said excuse me what? That was new to me and the agent hung up the phone. I had to vall back because I needed to provide my bankruptcy information. The agent refused to collect my lawyers information. A supervisor called me back and I provided her with my lawyers info, I voiced my concerns about the unprofessionalism and lack of knowledge from this company. They operate as bullies and their highly disrespectful which is why on XXXX they have poor ratings. The supervisor took my info and reassured me there wouldn't be any damage to my XXXX. My attorney XXXX XXXX advised me that fox collection reported me and this was AFTER i provided my chapter 7 info. My attorney advised me that fox collection is now in violation of my rights and I can proceed. I need for Fox collection to remove this account off my report as I also recorded the call. This company need to be investigated thoroughly because this is definitely unfair and illegal practice. I will make my formal complaint public in hopes that others will join in. I provided my bankruptcy information onXX/XX/XXXX and they reported on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/2021 and XX/XX/2021 I was charged {$35.00} on XXXX payments which are automatic payments to the recipient. I called Wells Fargo and their point is that the wire fee needed to come out of the payment so that didn't leave enough to cover the payment that was automatically sent from the account. This is unfair banking practices towards the consumer. In a global pandemic, it is absurd to charge the customer on monies that have cleared the account.

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 2021-04-01 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: Medical Data Systems, Inc.
State: TX

Complaint narrative:
XXXX selling my information insurance fraud and tax fraud with a major corporation selling it on my information to anyone that wants to buy it FCRA violations selling to debt collectors that wrote the debt off to get tax break

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 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I HAVE SENT THREE PAYMENTS FOR THE FINAL PAYMENT. 
XX/XX/2021 E-CHECK FOR {$500.00} - REFUSED XX/XX/2021 E-CHECK FOR {$470.00} - REFUSED XX/XX/2021 MAILED OUT PAPER CHECK {$470.00} - NOT CASHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD BANK REFUSE TO OFFER THE PROMOTIONAL OFFER. 
I opened a checking account in TD Bank InXX/XX/XXXX. And they have a welcome bonus at that time. If the customer make the {$2500.00} direct deposit, the customer will receive {$300.00} bonus from them. After I had done that, I called at least three their representatives to ask my eligibility And when I can receive the bonus. Their representatives told me I was qualified and the only thing I need to do is wait. However, I had waited for 5 months And haven't received my bonus yet. Therefore, I called to their representative again, but this time they said I was not eligible for this offer. How could this be! When I opened this account, the banker said I was qualified and I also called at least three representatives in XX/XX/XXXX. Both of them said I was eligible. They are totally cheating the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TX

Complaint narrative:
Experian selling my information insurance fraud and tax fraud with a major corporation selling it on my information to anyone that wants to buy it FCRA violations selling to debt collectors that wrote the debt off to get tax break

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 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XX/XX/2021 at XXXX XXXX for a deposit of {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2021-04-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : On or around XX/XX/2021 a letter from XXXX Law who is acting on my behalf forwarded a dispute and inquiry to Experian. Experian received this dispute and inquiry as no return letter has been given to myself or XXXX XXXX to establish a wrong address. Therefore, the Experian address is correct and mailing was complete. Thus, it is presumed Experian received this letter pursuant to Florida and Federal law. 

See the case Perry v. GMFS , LLC, No. 2 : 18-cv-01572-MHH ( N.D. Ala. Sept. 23, 2020 ) ( " The presumption of receipt arises upon proof that the item was properly addressed, had sufficient postage, and was deposited in the mail '' ) ( " citing Barnett v. Okeechobee Hosp. , 283 F.3d 1232 ( 11th Cir. 2002 ) '' ). See also Berwick v. Prudential Property & Cas. Ins. Co., 436 So. 2d 239 ( Fla. Dist. Ct. App. 1983 ) ( " It is presumed that mail properly addressed, stamped and mailed was received by the addressee '' ). 

IN THIS INSTANCE DSK Law properly addressed and mailed to Experian the dispute and inquiry on my behalf. Experian has received the dispute and inquiry from XXXX XXXX. Thus, Experian is purposefully refusing to investigate and respond back to XXXX XXXX with the results of the investigation. 

Furthermore, Experian is continuing to allow information that has been identified as information being reported as a result of identity theft ( i.e. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX and allowing outdated information to remain on my report ( i.e. XXXX XXXX XXXX XXXX being remaining more than seven ( 7 ) years on my report ). 

Please investigate this matter as Experian is attempting to circumvent the legal process and avoid their statutory duty pursuant to the FCRA to investigate and respond accordingly to the findings. 

Thank you for your attention to this matter and I look forward to hearing from your office soon. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express serve prepaid card Claims to o have close my account with a remaining balance they say I have committed a crime of loan fraud and have no other options I sent a XXXX dollar payment to my mother in 2020 XXXX XXXX and had issues with the card thereafter they will not release the remaining balance which was added in the form of cash and has nothing to do with the loan the XXXX worker who loaded the card eluded to this being my last deposit your assistance required This is definitely community intervention as it give the card holder the ability to do things immediately which is not helping which the community is adamant that's why I'm here it is not helping to the surrounding merchants when you order what you immediately need on line

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
OnXX/XX/XXXXI received a call from XXXX XXXX in the Bankruptcy department demanding I pay past due of XXXX. She called harassing me a very rude tone. The demanded I pay one month car payment. I was advised to pay monthly what I can. No mini Miranda was given. The calling demanding to pay. Very hostile.I paid XXXX last week call again this demanding past due. 


Access number XXXX I feel I have been discriminated due to me being an XXXX American. 

XXXX XXXX

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