vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XX/XX/2020 Chase advertised a {$300.00} bonus for opening a checking account and {$200.00} for opening a savings account with another {$100.00} bonus. I opened the accounts and they were going to charge me a fee and said I needed to keep {$1500.00} deposit to avoid a fee. I made a direct deposit on XX/XX/2020 of {$1500.00}. I called today XX/XX/2020 and asked where my bonus was. They said I needed to have a direct deposit from my Social Security not just another bank which was news to me. Then the connection started " breaking up '' and went silent when I contested it. I feel their advertisement was fraudulent and now I just want to withdraw my money and close the accounts, but they just hung up on me before I could. 
What is the best way to close the accounts and get my money and avoid fees? 
Thanks so much for your help. I feel I fell prey to trying to get something for free, but they did not make the requirements obvious and now I am " paying '' for it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
An XXXX  user reached out to me via XXXX claiming he was a XXXX XXXX. We began talking and when I said I was interested in investing, said he would send me some money to get started with it. He sent me two checks for {$2400.00} via email. One on XX/XX/2020 and one on XX/XX/2020. I had decided against using the funds both times and he had me send the money back through XXXX, XXXX, and XXXX. XXXX XXXX was the name on both XXXX and XXXX that they had me send the money to. The email for " XXXX XXXX '' is XXXX. The email he sent the check through was XXXX. I have filed disputes through XXXX, XXXX, and my bank, PNC. I have not heard much back yet, but PNC has made it sould like a dispute is not likely. I am very frustrated because I am a young XXXX  XXXX and that aspect was prayed on. I am now in even more debt because of it. The company on the check is named " XXXX XXXX XXXX. '' I spoke with them on the phone and they did in fact assure me that is they were fraud checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On the XXXX of XX/XX/2020, I enrolled or created a XXXX Account ( US ) profile with the sole aim of purchasing a smartphone through Finance, and I applied for the Credit through TD-Finance ( NA ) and the sum of {$2200.00} was being approved and immediately I placed my order after few minutes email messages are being sent to me that we are sorry your order is being canceled, several repeated orders were placed and all ended canceled with messages that my information could not be verified, several emails and called was being made to XXXX ( US ) but all to no avail, the company was not ready to get the problem fixed also the Bank ( TD ) is not rendering any meaningful assistance to get the issue resolved, they keep passing the buck and none is taking responsibilities to get the anomalies resolved. 

The main frustrating aspect of this whole process is that XXXX is categorically stating to me that, I have to use a different payment option to make my purchase, that my approved credit can not be used, knowing that the credit was been approved to me by her assigned banker for the main purpose of purchasing a phone. 

On the XXXX & XXXX of XXXX emails and reminders were sent to both XXXX XXXX and TD bank NA, no deemed it fit to respond. 

Very unfortunate and frustrating no one is responding to emails I please humbly request that you please intervene in this situation, even if that both ( XXXX and TD Bank ) can not find a common ground to fix this problem, whatever TD bank is going to resolve to, should not affect my credit score which I have over the years built and guided, XXXX, the purpose of this credit request is to keep building my credit A fair resolution I would accept since the company ( XXXX US ) has stated that I can not make a purchase with my credit, TD Bank should please revert to the status quo without having any negative impact on my credit score. 
The credit is not useful or beneficial for the purpose it was approved for and likewise, it can not be used to make purchases with other merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe
State: AR

Complaint narrative:
COLLECTORS ROBO CALLING ME 16 TIMES AFTER CEASE COMMUNICATIONS AT AUTOMATIC STAY IN BK XXXX. I HAVE SCREEN SHOTS AND ROBO CALLING VOICE RECORDINGS ... MY WIFE AND I.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: WI

Complaint narrative:
For the past 9 months I have requested verification on several accounts reporting inaccurate information on my credit report. These inaccurate and unverifiable accounts have given me serious anxiety as I have been denied credit because of them. I have called and sent several certified mail with documents of proof to the inaccurate accounts, but still I have been ignored. Each time I am only sent back automated responses to my investigation request. I know they are automated because they all respond the same way even though I send the supporting documents. I requested verification of an inaccurate, unverifiable Bankruptcy that is being reported on my credit report and was told it was verified by XXXX, however, I have had a Security freeze on my XXXX report since XX/XX/2019. I would like to know how I was given a fair investigation if XXXX was never contacted to request the information? Because if XXXX were contacted, they would have informed " Whoever '' that there is a security freeze on my account and the information could not be provided at the time. I contacted XXXX and they informed me that since the security freeze was placed on my report, they have not released any of my information to ANY agency. I also mailed the Bureau a copy of a court document that was mailed to me by the courts where I live that states, they have not furnished any of my personal/public record information to any Credit Agency. So again, how was this inaccurate, unverifiable Bankruptcy account verified? I currently have enough documented proof to show I have not been given a fair investigation.

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 2020-09-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: KS

Complaint narrative:
I have held for more than 2 years various currency and crypto currency within the account where i have mainly held for savings. On at least one occassion I have transfered OUT funds with no issue. On XX/XX/2020 I looked to transfer funds to another account in my name. After the PROMOTION of a 15 minute normal transfer I saw an email that stated they were withholding my funds for 72 hours. I needed the funds immediately as it would end of costing me XXXX dollars by not having funds in its righful place. 
As they do not have a toll free or any number to speak with a human being they only offer reaching out with a online form. I did this immediately, where I advised this HOLD for security purposes needs to be released and that I would do whatever it took to prove my identity. As well I made it clear this would be costing me if I could not get the funds. 
I recieved an email back quickly asking for a screenshot of my issue. Once I returned the email with what was taking place and asking how to resolve the hold, I got a bounce back email from the company and thus they cut of my communication on the issue. I then tried to start over with a new form and ultimately got nowhere. With no help. 
As noted not having funds transfered did cost me XXXX dollars. After 72 hours the funds were released but it was too late. As well 5 days after the fact they sent an email on the process to release funds within minutes rather than waiting 72 hours, but of cource it was 5 days late. 
In the end I have tried to reach executves at the company and requested the email to get back to me with a phone call. To this point no one has acknowledged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
FNB Omaha ran my credit twice without my permission The first attempt was XX/XX/XXXX and the second attempt was XX/XX/XXXX I think FNB Omaha A letter disputing The hard inquiries On my credit file. That letter was sent out XX/XX/XXXX And I have not had a response Or an update on my credit 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 2020-09-24 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: GA

Complaint narrative:
I recently viewed my credit report and noticed some inaccurate information that does not belong to me. I also noticed incorrect information reported that is hindering me from moving forward.

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 2020-09-24 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: MN

Complaint narrative:
I was already in the rehabilitation with the Department of Education. However, they never remove it out of collections. It has a negative effect on all 3 credit bureaus. I was was informed in writing if I complete the program the negative remarks will be removed from my credit report. Also, I was never informed about the forgiveness program. My due process was never given to me. For example, no one never explained the Income Based Repayment Program. Based on my income my payment will XXXX amount and the negative items would of never been on my credit. In fact, I would of been in an excellent situation regarding my credit!

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 2020-09-24 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I was already in the rehabilitation with the Department of Education. However, they never remove it out of collections. It has a negative effect on all 3 credit bureaus. I was was informed in writing if I complete the program the negative remarks will be removed from my credit report. Also, I was never informed about the forgiveness program. My due process was never given to me. For example, no one never explained the Income Based Repayment Program. Based on my income my payment will XXXX amount and the negative items would of never been on my credit. In fact, I would of been in an excellent situation regarding my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: MN

Complaint narrative:
I was already in the rehabilitation with the Department of Education. However, they never remove it out of collections. It has a negative effect on all 3 credit bureaus. I was was informed in writing if I complete the program the negative remarks will be removed from my credit report. Also, I was never informed about the forgiveness program. My due process was never given to me. For example, no one never explained the Income Based Repayment Program. Based on my income my payment will XXXX amount and the negative items would of never been on my credit. In fact, I would of been in an excellent situation regarding my credit!

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 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I have contact this company and told them that the debt that they are reporting on my credit report is fraud activity I also told this company to stop contacting me and they did not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: MS

Complaint narrative:
XXXX  and Experian are fraudulent on my accounts DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # 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 2020-09-24 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-09-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I completed a balance transfer with XXXX card and the payment was sent to Bank of America to pay off my credit card on the due date of XX/XX/XXXX however Bank of America posted it on the XX/XX/XXXX charging me additional interest. I'm requesting the interest be waived as my payment was made on time ( the XXXX due date ).

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 2020-09-24 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: MS

Complaint narrative:
TransUnion and XXXX  are fraudulent on my accounts DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # 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 2020-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Bank was advertising an account opening bonus of {$700.00} if a minimum balance of {$50000.00} was maintained for 60 days in a newly opened account. 

I have maintained the balance for 60 days and waited for extra 30 days to received the bonus. However, I have received an email notification stating that I am not qualified for the bonus since a tax document XXXX has not been submitted. 

This is not correct. I have submitted the form when I opened an account at their branch office. Also, I submitted it in early XXXX again at their branch. In addition, I submitted twice through email to their tax department. Also, their customer representative has confirmed on XXXX XXXX that my accounts are XXXX certified and so I do not need any additional procedure. 

It appears to me that Citi is just trying to find an excuse not to pay the bonus which they have adviertised.

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 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
In XXXX, I was alerted by a message in my email from XXXX XXXX, that Barclay 's had reduced my credit limit by almost the exact amount I made a payment. There was no prior notice that this action would be taken. 

This card had a high balance because it was applied for on a XXXX XXXX, and the cost of the cruise was automatically applied to the card. The card had been consistently paid. In an effort to raise my credit score, this summer, I began to make several large payments to to the card. I thought this would positively raise my score. But, quite the opposite. Barclay 's decided to lower my credit limit, which lowered my credit score. Why was this done?

When I called to inquire about the action, I was told there was nothing to be done. A supervisor then informed me that my credit usage ratio was high. Well, I was actively taking action to lower the ratio, but Barclay 's decided to lower my credit limit, which nullified my actions.

This action has lowered my credit score through no fault of my own. I am consciously trying to build my credit score, and these banks in response either cut my credit limits by the amounts I pay the card down or they close out the cards. 

I feel as if this is done purposely to justify higher interest rates. 
Thank you.

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 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Continental Finance Company, LLC
State: AR

Complaint narrative:
ONCE AGAIN XXXX XXXX IS DISALLOWING MY CREDIT OPPORTUNTIES AND NOW MUST ADVISE YOU BOTH FOR VIOLATING THE F.C.R.A. 15  U.S.C. Section 1681g and the DODD-FRANK XXXX XXXX REFORM AND CONSUMER PROTECTION ACT. BY DESTROYING CAPITALISM.

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 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
I currently have a pending warrant in debt with a company that is not listed on my credit at all. I have checked all three and nothing matches, not the account original holder, amounts or even the collection agency. I believe this to be deceptive. I do not even have an address for the collection agency. I currently have attorney information and a statement. Looking at my credit reports the original creditor is not even listed in any form. The amount of the debt listed on the warrent is XXXX. The attorney is listed as XXXX XXXX XXXX, XXXX. located at XXXX XXXX XXXX XXXX XXXX, VA XXXX stating under oath that i have an open/active account with Credit Corp Solutions INC . Breach of contract with XXXX, but nothing anywhere else.. How am I to obtain any information when none exists? How are they an owner of an account that is not being reported and I have no other information on?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: First Direct Mediation
State: CA

Complaint narrative:
I received a text message early today from an unknown number, saying I had to contact them about a failed bank transaction and that it was urgent for me to call them. I called back and spoke to a gentleman he stated he worked for a company called First Direct Mediation, based out of XXXX, NY. He asked about a loan I took out years ago from plain green loans and I explained to him that I paid them over 3000 more than my XXXX I took out and the outstanding balance was because I asked for 2 extensions during the time I was making payments to the loan. He tried to set me up on payment plans and I told him he was crazy because I cant pay that much in a month especially during this time with COVID-19 he said he will talk to the creditor to see what he can do but if I do not call back before 5 he will file it with the court. This is really disturbing for agencies to falsify and threaten people this way.

Company response to consumer: Closed with explanation