vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Until recently, I was unaware I could file a complaint for the reason described below until I was told by my financial advisor, hence my delay in doing so.

On XX/XX/XXXX, I received a denial for credit from XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX, XXXX, DE XXXX ) for an XXXX Visa Signature credit card ( reference # XXXX ). 
The reason cited was : " Not enough accounts opened long enough to establish a credit history. '' At the time, I had the following credit card accounts opened : 1. ) XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX - Opened since XX/XX/XXXX 2. ) XXXX XXXX MasterCard - Opened since XX/XX/XXXX Further credit account entries on my credit report were 1. ) XXXX XXXX account - Opened since XX/XX/XXXX XXXX. ) XXXX XXXX loan account - Opened XX/XX/XXXX All these accounts had been opened several years at the time of application. 
I was given additional ways to expand my credit history, such as car loans, mortgage housing, etc., all of which I already possessed at the time of application so this decision was really not at a negotiable point. 

Of Note : 1. ) The credit limit for the XXXX / XXXX XXXX XXXX was increased twice on the credit report received by Chase Banks at the direction of my credit card company who did so based on my timely payment history. 
2. ) The credit limit on my XXXX  was increased again after this credit denial, again at the behest of my credit card company. I have a history of never making late payments on anything, as shown by my credit report. 
3. ) Given that the other companies named above issued credit to me as well as my excellent credit history, Chase 's faulty denial of my application was arbitrary and based on unrealistically high criteria of expecting even further credit accounts for consideration. 
With my credit status as it is, It is doubtful that many people could actually obtain this Chase card, that is if Chase underwriters are actually using consistent criteria. 
4. ) As this account offering was made on XXXX and was instantaneous, it is highly suspect that I could have been rejected that quickly. However, XXXX offers " gift cards '' should the applicant be denied within the same transaction. 
The offer also states the applicant would receive {$50.00} off their first purchase if credit is approved. This is consistent with a bait and switch scheme so this might also be reportable to an additional government agency ( i.e. Federal Trade Commission ). A credit card offer is still on XXXX 's website. 

Please feel free to contact me should you have additional questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hi, I tried to use XXXX XXXX service. And I found there that I have 10 credit inquiries. It considers as hard credit inquiries. But I didn't do it. Maximum - it's 2-3 times for 2 years. So I suspect the identity theft. Can you help me with it, please?

Here the list of companies, were I didn't take and didn't request for credit, but I am in the system, why??

XXXX, XXXX XXXX, XXXX XXXX, XXXX, BARCLAYS BANK DELAWARE

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 2018-08-19 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: GA

Complaint narrative:
I have contacted TransUnion for the past 6 months about the 2 fraudulent Bk 's and a collection account on my credit. I have reported the fraud to the FTC and provided TransUnion with the FTC case number, filed a police report, had it stamped and I had the police report and my personal statement notarized and the 3 fraudulent accounts/errors remain. 

US BKPT Identification Number XXXX US BKPT Identification Number XXXX XXXX XXXX Account 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 2018-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX there was a deposit made in person to the amount of {$4600.00} to Bank of America ( XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX ). IMAGE # 1 : Copy of the list of checks and total. IMAGE # 2 : deposit slip of the amount deposited. When I checked my account online, there was an adjustment of {$1400.00} from the total amount deposited on XX/XX/XXXX and I was only credited {$3200.00} for my deposit with an error message.Due to this adjustment, I am missing {$1400.00} from my checking bank account. IMAGE # 3 : error message and the deposit adjustment.

Since this issue occurred, I have talked to three different Bank of America Financial Advisers/Managers, and later contacted the Bank of America Research Department to try to find the missing checks. The Bank of America Research Department stated they can not do a proper investigation because they do not have any images of the checks deposited on XX/XX/XXXX. My last contact was on XX/XX/XXXX with XXXX XXXX, Financial Center Operations Manager. I was only told my checks were missing and later found. As a result, they can not find images of the checks deposited because the checks were not scanned in properly. She stated that the checked should have been scanned into their system before they are reviewed for deposit. Mrs. XXXX was not able to come to a resolution and declined to take any responsibility for mishandling my checks.

I have my Business Checking account with Bank of America since XX/XX/XXXX when I opened my practice and I never had an issue regarding missing funds. I have always paid my Bank of America Credit Card balances in full and on time and have an overall pleasant experience with Bank of America. This is the first issue I have regarding missing funds. I am requesting the missing amount of {$1400.00} be deposited back into my 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 2018-08-19 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: EOS Holdings, Inc.
State: CA

Complaint narrative:
I have tried to contact the creditor of my XXXX XXXX medical account in collection. First the company said that they do not have an open account matching my name. I submitted a dispute via XXXX XXXX but after 4 months of waiting, my request was denied. I recently got in contact with the debt collection company again and they found a closed account not under my name, but under my social security number. Now Ive been unable to dispute the account or even attempt to reach a payment agreement because the account was closed and needs to be reopened, but only by a manager. I have had XXXX health insurance since 2014, which covers any medical service so I should not have had any medical balances at all. Im trying to apply for housing and this one collection on my credit report is preventing me from finding a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax violation FCRA 611 ( a ) ( 5 ) ( B ) The legal restriction against the reinsertion or previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ) the law state that I must be notify within 5 business days of reinsertion of deleted information into my consumer file. there were no CRA notification provide before reinsertion as to the law. the same item reported twice on my consumer file two different date same item by XXXX I ask that the information be remove from my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
To Whom It may concern, My credit card account was charged off by the credit company. I never received any monthly statements as the credit company had sent those to a wrong address. When I opened the account with this company, the staff verified my driver 's license, so, they should not make this mistake. Please see the follows for details. 

1. I opened an account of TJX Rewards Master card with XXXX XXXX on XX/XX/2017 after I purchased something about {$50.00} at a XXXX XXXX store. 

2. I never received any monthly payment statements after. 

3. I learned this credit card was charged off on XX/XX/2017 from XXXX XXXX. 

4. Then, I started to call XXXX XXXX to fix the problem. The Customer Service representative and manager, XXXX, could not help me over the phone and gave me a XXXX XXXX. XXXX  of the company, XXXX. XXXX   XXXX, XXXX, FL XXXX and asked me to write a letter to them. I wrote a letter to ask why my account was charged off. XXXX XXXX sent me back a letter, stating, " there are no delinquencies reported in the credit history of your Gap Visa Card account ". In my letter, I clearly stated it was for my TJX credit card. 

5. After I started to receive letters from XXXX at my new address, I learned that this account was sold to XXXX XXXX XXXX, XXXX on XX/XX/2017 ( I move to a new address from XX/XX/2017 ) 6. I filed a dispute. Then, I received a package from XXXX XXXX XXXX, XXXX to inform me their investigation result that they did the correct thing to my account. The package included two payment statements. In the two statements, it is clearly showed that XXXX XXXX had sent the monthly statements to a wrong address which I never lived there. They also wrote my last name wrongly in the statements. It could explain why I never received those statements. 

7. After this account was charged off, my credit scores were lowered to XXXX from above XXXX ; XXXX  XXXX   card lowered my credit line to {$200.00} ; XXXX XXXX Credit card lowered my credit line to {$300.00} ; XXXX XXXX XXXX, XXXX announced I owe them {$310.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Hi, I tried to use XXXX XXXX service. And I found there that I have 10 credit inquiries. It considers as hard credit inquiries. But I didn't do it. Maximum - it's 2-3 times for 2 years. So I suspect the identity theft. Can you help me with it, please?

Here the list of companies, were I didn't take and didn't request for credit, but I am in the system, why??

XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Date : Applied for a credit card on XX/XX/XXXX with XXXX XXXX. 

Summary : After application, I did not receive bill by mail or e-mail. Never used the card after receiving the card. Did not receive notice when amount was due. Bank representatives called to warn but refused to send written notice or explain why notices never came. I was clueless about how to make payments. Do not know how to cancel the card. 

Actions : I applied for a XXXX XXXX credit card for an in-store purchase on XX/XX/XXXX. The item purchased was {$27.00}. I left my e-mail account, mail address, and phone number with XXXX XXXX in the application. The card was mailed to my address. However, I never received a physical bill statement or electronic notice. The amount became due on XX/XX/XXXX. I failed to pay because I incorrectly assumed I could not use the card before it was delivered to me and that I had paid for the item with another card. Around XX/XX/XXXX, I received an anonymous phone call regarding late payment. I was worried and promised I would go home and check. After I got home, I realized I did not have a statement to verify the amount and not even the company to which the amount was due. I couldn't call back because the number was anonymous. In XX/XX/XXXX, I received another anonymous phone call. I asked the lady to send me a written notice about the bill and all relevant information. The lady said she did not have my e-mail account. I felt incredulous as I kept getting XXXX XXXX promotion e-mails. I asked why I had never received a mail about the bill. She refused to confirm mail address with me. At some point, I lost connection with caller because I was on subway. Again, I couldn't call back since it was anonymous. I called XXXX XXXX and found out the company was not in charge of credit card services. I searched online and finally found a webpage to " register '' for the card I applied with XXXX XXXX. It was only until then that I learned the real card company -- XX/XX/XXXX. I finished the registration process and paid the full amount on the website. I wondered why the bank could not give me proper notice. My credit score went down. And this is the first time I ever had a late payment in life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I previously submitted a complaint with the CFPB and was told of the resolution stating to call American Express. I did, and XXXX XXXX happened to be online, though i was unable to speak with him. However, the rep i did speak with did talk to him. He stated he had no idea what i was talking about. Even the rep said it is unheard of for any refunds, returns, or compensation. After over an hour an 15minutes waiting for a resolution, I was hung up on. No reply to the email I sent. A quick XXXX search of XXXX XXXX shows a vast number of reports against him. He is an employee of American Express. But either he is a massive liar, or people are using his stamp. Most likely he just fills out a general statement and doesn't expect follow up or follow through. Either way, my resolution ... as great as it sounded ... was fake. I was even informed that FLOS, the department i was told to contact, NEVER deals with this type of issue and they had 0 idea why I was told to contact them.

I simply want this fraudulent company to own up to their deceipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy. Included in bankruptcy was my mortgage from XXXX XXXX XXXX. During the bankruptcy proceedings I offered to reaffirm my mortgage with XXXX . However the courts never approved the reaffirmation so the mortgage was never reaffirmed. XXXX XXXX XXXX purchased the account from XXXX after bankruptcy was filed. XXXX  claims loan was reaffirmed, it was not. Caliber keeps showing on my credit report that home was " foreclosure '' and " Derogatory '' and " Reaffirmed ''. Mortgage was given back to creditor through Chapter XXXX Bankruptcy. I have contacted XXXX on several occasions and have sent several certified mailings challenging their purposely wrong reporting to credit bureaus. XXXX said they don't have to prove anything and refuses to properly report. Now I just received an alert from my credit monitoring company that XXXX XXXX XXXX, on XX/XX/XXXX, filed a court action against me as a brand new bankruptcy with them. They reported that fraudulently incorrect information on purpose to mess up my credit further.

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 2018-08-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy. Included in bankruptcy was my mortgage from XXXX XXXX  XXXX. During the bankruptcy proceedings I offered to reaffirm my mortgage with XXXX . However the courts never approved the reaffirmation so the mortgage was never reaffirmed. XXXX XXXX XXXX purchased the account from XXXX after bankruptcy was filed. XXXX  claims loan was reaffirmed, it was not. XXXX keeps showing on my credit report that home was " foreclosure '' and " Derogatory '' and " XXXX ''. Mortgage was given back to creditor through Chapter XXXX Bankruptcy. I have contacted XXXX on several occasions and have sent several certified mailings challenging their purposely wrong reporting to credit bureaus. XXXX said they don't have to prove anything and refuses to properly report. Now I just received an alert from my credit monitoring company that XXXX XXXX XXXX, on XX/XX/XXXX, filed a court action against me as a brand new bankruptcy with them. They reported that fraudulently incorrect information on purpose to mess up my credit further.

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 2018-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
This company has failed to provide me with adequate information to assist me in investigating the alleged debt of {$360.00}. I have also reached out to the company and provided them with enough time to provide me with debt validation.

They sent me a document that was seemingly manipulated ; consequently, I requested pages 1, 2, 4, 10 and 11 of what appears to be a Purchasing Power Agreement as evidenced by the attached letter and proof of delivery.

I am eagerly awaiting proof that this alleged debt is mine and has not been paid. Failing which, I implore Dyck O'Neal, to undue all negative action that it has taken thus far.

It is to be noted that this is not a duplicated complaint but this refusal to supply documentation to validate the alleged debt is contrary to the FDCPA. Furthermore, it appears that Dyck O'Neal has deliberately withheld material information relating to this case because pages 1, 2, 4, 10 and 11 were missing from the inadequate documentation they sent me through CFPB following my previous complaint ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: GA

Complaint narrative:
I was contacted by ERC to collect a debt for XXXX. I notified them that the amount that they were collecting was not what I owed. I agreed to pay a reduced amount so that this would not go on my credit report. Not only did they put it on my XXXX report after I paid, they are reporting that I owe a large amount of money. I have sent multiple certified letters to ERC concerning the information that they are reporting and I have documentation of each letter. I have asked them to verify the information that they are reporting and they have never responded. I know that they do not have the ability to verify the information because it is incorrect. Under the law I have the right to request verification for information being reported and I have not received anything from them within the specified time limits. Therefore, they are required by law to remove the information. I would like for this company to no longer contact me and to remove any and all false information from my XXXX  report.

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