vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2020, I received a promotional offer from JP Morgan Chase via email saying that if I open a new Savings account with them by XX/XX/2020 and deposit {$15000.00} within 20 business days and keep it for 90 days, I will get {$220.00}. The email asked me to go to a branch to open the account. I went to a Chase branch and tried to open the account but they asked me for additional documents I didn't bring at that time so couldn't open the account. As a XXXX XXXX XXXX during COVID time, I was too busy to go to the branch again so I contacted Chase via their secured message system to see if there's any online link for opening the account. I was told that I can go ahead and open the account and as long as there's a bonus offer ongoing, I will get the bonus. They also told me that only if an offer is provided by a branch, I have to go to the branch to open it. Since I got my offer by the email from Chase, not a branch, I decided to open my account online. I opened the account on XX/XX/2020, deposited {$15000.00} on XX/XX/2020 and kept there for more than 90 days and withdrew the balance on XX/XX/2020. They never paid me my {$220.00} offer so I contacted them via phone, secured message and they are refusing to pay me the offer. They said and I quote " XXXX, our records show that the coupon code you provided has already expired on XX/XX/2020. Hence, it can't be applied to your account. '' although I already told them several times that I opened the account when the coupon code was in effect and followed all their instructions but I haven't got my bonus. So, I would like to ask cfpb to make it fair for me and ask Chase to give me the {$220.00} bonus offer that I deserve. Please see the attached documents for more details as well. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Per my XXXX  report it states that the loan was opened on XXXX of XXXX  ; I'm not sure how someone was able to make a copy of my driver 's license ; get a loan under my name as well as sign for a loan. I've tried calling the company in the past as well as disputing the inaccurate information on my credit report and the company done nothing to investigate it. According to the credit report the amount of the loan was {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was applying for a Mortgage Refinance with 5/3rd Bank. I gave authorization to pull a credit inquiry on XXXX XXXX XXXX and because of the banks slow process they required another Credit inquiry I authorized on XXXX XXXX XXXX. For some reason they continued to pull 2 more Unauthorized Credit checks on XXXX XXXX XXXX and again on XX/XX/XXXX. I've asked them to take steps to remove these unauthorized Credit inquires but the bank seems to be mismanaged and lacks knowledge on where to being the process of correcting their actions. I would like CFPB to assist in Removing these Hard Inquires. 

Inquiry details : 1. Fifth Third Inquiry from XX/XX/XXXX Bank Institution Information Fifth Third XXXX, OH XXXX ( XXXX ) XXXX 2. Fifth Third Inquiry from XX/XX/XXXX Bank Institution Information Fifth Third XXXX, OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This account needs to be deleted because it is in violation. How could there be a balance of {$1000.00} and no high balance amount reported?

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This account needs to be deleted because it is in violation. How could there be a balance of {$1000.00} and no high balance amount reported?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This account needs to be deleted because it is in violation. How could there be a balance of {$1000.00} and no high balance amount reported?

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 2020-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was alerted by the fraud dept on the XXXX of XXXX after I withdrew some funds, they said there is suspicious transactions on my account and when I called in, they asked questions about said transactions which I answered. Next they said they are gon na put my account under review for 24 to 48 hours. In less than 48hours I received an email from the bank saying my account is been closed. They didn't give me a reason, it's over a week and i have not received any form of letter and i dont know when am going to get my money back.

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 2020-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Below is my latest correspondence to the company which includes needed details. 
I am reaching out to you with hopes to resolve this matter ASAP as Ive been dealing with it for 4 months already which is hindering me from purchasing my home. 
I had a 1 year promotional account with you all and I paid it off on time in XX/XX/2020. In XXXX I noticed you all update my credit stating that I had a late payment of {$7.00}. I called and spoke to a rep who removed it and ensured me that my late payment would be removed from my credit report. After 30 days it was still reporting, I filed a dispute with the credit bureaus who received confirmation for you all that the late payment was correct. 30 days later I filed ANOTHER dispute and you all said that the payment wasnt in XXXX it was actually in XXXX! I then reach out to you again on XX/XX/XXXX to figure out whats going on because at this point its fraudulent activity to continue falsifying information. Your supervisor notifies me that she will push an update to the bureaus that the payment is incorrect but this has not occurred. I called last week and again today to no avail and even found out that you have decided to close my account which is retaliation from me actively holding your company accountable. As stated above, I need this resolved ASAP because it is hindering my ability to purchase a house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Fay Servicing changed us a late fee that we have challenged. 
Fay Servicing is entirely unresponsive to our eMails and calls challenging this charge. 

Fay Servicing changed their mailing address without notifying us. 
Our XXXX, XXXX payment was processed electronically by our bank ( it is an automated payment, the bank sends it early every month - actual transaction posted below ). 

XX/XX/XXXX Online Payment xxxxxxxxxxxx To FAY SERVICING XX/XX/XXXX Bill payment {$670.00} On XX/XX/XXXX, we received a credit back to our account in the amount of {$670.00}. 
The record of the mortgage payment credit transaction ( from our on-line banking ) follows : XX/XX/XXXX Credit Return : Online Payment xxxxxxxxxx To FAY SERVICING Misc. credit {$670.00} We also received a secured notice from our bank indicating that the reason for the return is that the payment came back to the bank as Undeliverable. 

We immediately contacted Fay Servicing via email ( attached ) and they sent us an eMail with an updated mailing address. We were out of town for 8 days in the middle of XXXX and received the notice while out of town. Upon return we immediately updated the mailing address with our bank and sent the XXXX payment to the new address. Again we notified Fay of the payment and the update via eMail ( attached ). 

Fay Servicing processed the payment and sent us a " Late Payment '' notice and fee letter on XX/XX/XXXX. We contested this based on : * No notification of the change of address * Immediate notification to Fay Servicing * Perfect pay history I received the name of the person I was told to escalate the issue to at Fay and sent an eMail over 8 days ago. I have called him multiple days, leaving a detailed voice mail with my name, loan numbers, call back #, etc. I have no response from Fay. 

Summary - I have received no response from Fay and do not believe we should be charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
I received a letter from SageStream. Who are they? Why are they contacting me and giving me a low credit score. Much lower than the three main credit reporting agencies. How are they able to do this and companies will use this score to deny credit or charge extra fees. I do not think that this is correct, and I feel that they exist to make money off of giving out this low balled credit scores. Where did they come from and how are they operating. I have never heard about them unti my husband and I have worked to get our credit score up way over 700 with the other credible reporting company. They then appear with this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: FL

Complaint narrative:
I didn't open any of these accounts I am apostate this is happening to me, please remove this from my credit report thank you. This is Fraud and every level and this need to stop I'm very stressed out that this is happening to me again please remove this from my credit thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: FL

Complaint narrative:
I didn't open any of these accounts I am apostate this is happening to me, please remove this from my credit report thank you. This is Fraud and every level and this need to stop I'm very stressed out that this is happening to me again please remove this from my credit thank you in advance.

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 2020-08-20 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navinet has been my student loan servicer since XX/XX/XXXX since my loans were consolidated and rehabbed. There are multiple incorrect/ inconsistent late payments reporting across all 3 credit bureau with different balance and dates. Not only are the late payments incorrect, I have documentation that the account was supposed to be in forbearance or deferred at the time. The loans originated from XXXX College XXXX University which is closed now due to fraud so I am unable to get any information from the institution. XXXX had the loans first they are now involved in a lawsuit. A new class action claim that was filed on XX/XX/XXXX against Navient also included my some of the situations I've dealt with. I have reached out multiple times to try to correct my file with no action the last time was XX/XX/XXXX. Per FCRA this needs to be addressed it must be taken off my credit or adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I paid my account by adding a new payment source. Somehow, my payment was put on my payment stored when I first opened my account. They charged my XXXX account and not my local XXXX account, which I had made a new payment source for on the XX/XX/2020. I wrote a letter with proof I made a new payment source, but they made a third attempt into my account. That's TOTAL OF {$87.00} IN ACH fees on my account. They have changed and are not a part of XXXX anymore. The are a part of Citibank that has given me tons of problems in the past and who are connected to corruption in XXXX County. XXXX County Sheriff 's Department is harassing me, because I refused to prostitute for them and Citibank is helping them.

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 2020-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX AND XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23. 
3. Proof of Claim that BANK OF AMERICA has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency. 

I hereby serve Notice that failure to provide Proof of Claim by BANK OF AMERICA has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring BANK OF AMERICA from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX AND XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of BANK OF AMERICA agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further. 
6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have spoken with XXXX  XXXX/XXXX  XXXX  and per the manager they have been reporting my balances correctly to the credit reporting agencies every month. I have been sending letter to all 3 credit reporting agency letters every month since XX/XX/2020 to update my balance on my room place account but still has not been updated since XX/XX/2020. The balance is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: FL

Complaint narrative:
I didn't open any of these accounts I am apostate this is happening to me, please remove this from my credit report thank you. This is Fraud and every level and this need to stop I'm very stressed out that this is happening to me again please remove this from my credit thank you in advance.

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX and XXXX XXXX have put two separate debts with a collection agency, thus negatively affecting my credit. 
Neither of these accounts refer to me, I have never lived at the addresses, or indeed in the states referenced. 
I have been unable to contact either company, who seem to be expert at dodging calls. 
I have filed a police report stating fraud, which I have sent to the credit reporting companies.

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 2020-08-20 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I am the cosigner on the student loan.The loan states I can get a co signer release if 48 payments are made " on Time ''. 
My son pays the loan early and has not missed a payment in 60 months. 
They will not release me as cosigner because he pays the payment Early. How bissare is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

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