vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Received three individual letters from Synchrony Bank cancelling credit cards with XXXX, XXXX, and XXXX, each stated the decision to cancel the individual credit card was : " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. '' This is not true as each account was up to date and there were no late payments prior to the receipt of the letter with each account having a {$0.00} balance. 

I have contacted each of the companies individually and received no answer as to why the action was taken. My current credit score is XXXX and rated excellent by my bank. 

I do not want the credit cards reinstated but I want the reason for cancellation corrected, for my records.

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 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
My credit report states that IC Systems put a major derogatory mark on my credit report in the amount of {$460.00} on behalf of XXXX XXXX. I spoke with XXXX XXXX at XXXX on XX/XX/2020 who stated that they have yet to contact me nor have they sent any correspondence from me. Furthermore, they stated on my credit report that I am more than 120 days late on this account, however, Mr . XXXX   stated to me that they have only owned the account or 99 days. This company put a false mark on my credit report : incorrect dates, has not contacted me, and has not validated the debt. Mr . XXXX refused to give me the phone number to IC Systems at first until I told him that I was transferred to him did not have access to the phone number.

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 2020-10-21 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: CA

Complaint narrative:
On XX/XX/XXXX someone made thre seperate transactions in three different gas stations in the city of XXXX XXXX around XXXX in the morning. I have only ONE debit card to my name and I was getting out of work during this time. I also received an alert from the bank asking if I had made those transactions because they looked fraudulent and I texted back that it was not me so they closed my debit card. The three seperate transactions were each for XXXX totaling XXXX. My card was initially credited but then the money was taken back out because my PIN number had been used. I explained that I had obviously been the victim of card skimming and according to Chase Bank card skimming does NOT EXIST. On XX/XX/XXXX I faxed evidence of where I was on the date in question verifying that I had not made those transactions. According to Chase someone had my card and knew my PIN so there was nothing I could do. I am the only one with access to my card and there is only ONE card. I requested for them to get footage of the date of the transactions and they said they don't do that. I want my hard earned XXXX dollars back. Can you please advise as to what I can do and how do I get Chase to give me my money that was taken by a thief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21 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: OH

Complaint narrative:
IN REFERENCE TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 First, as a consumer I had no way of knowing I owe this debt. How can I dispute if the company failed to contact me? this is a VIOLATION OF UNFAIR CREDIT ACT LAWS ... there is no excuse for XXXX XXXX  to not contact me! 
XXXX XXXX  committed identify theft by illegally running my social security through all national credit bureaus PERIOD! after impact had illegally obtained all of my current info when they ran my social security number to illegally look at my info on my credit reports, XXXX XXXXthey still failed to get in touch with me yet still XXXX just posted this debt. that is how XXXX knew/found out XXXX had current info yet failed to contact me and EQUIFAX allowed this by just posting this dam debt too ect ... 

Throughout my investigation this debt was under XXXX XXXX XXXX who I rented from back in XXXX. Never paid late! I am demanding that this item LISTED BY XXXX XXXX that was illegally posted on my national credit reports be removed immediately due to the fact that this company XXXX XXXX violated credit unfair act law AND BROKE THE LAW TO OBTAIN MY PERSONAL INFO. 
I have filed formal complaint against EQUIFAX credit bureaus with anti-trust department in Washington DC and its XXXX because EQUIFAX also violated unfair credit act laws and broke the law and should indeed be closed. therefore, this item must be removed immediately from equifax credit reports and an apology letter sent to me asap! 
Both EQUIFAX and this company XXXX XXXX also violated my civil rights and unfair credit act protection under US constitution laws based on grounds that neither one of these parties EQUIFAX and or XXXX XXXX XXXX FAILED to notified me as a consumer to grant me any option to settle this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian is reporting inaccurate, misleading, false, information that can not be verified from the bankruptcy courts. I have sent letters under 609 law  asking to validate public record and have gotten letters from bankruptcy court saying they do not sell to third party at all. Please see attached letters

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 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Pursuant to the CFPB case number : XXXX -- - I reference a letter I received today from Wells Fargo Bank dated XX/XX/2020 whereby Wells Fargo also issued me with the following case number for their records which ends in these last XXXX digits : XXXX. I attach a copy of this letter here ... I thank Wells Fargo for their kind response and offer of engagement whereby I can contact XXXX XXXX A case specialist with Wells Fargo Bank ... I see no reason to contact XXXX XXXX as I have documented everything here with the CFPB ... Clearly serious errors were made in the management of my bank account ... I include in this new complaint my own expression of doubt since I am not an attorney and as such I do not know the law ... My expression of doubt states the following that in my dealings with Wells Fargo Bank I acted in good faith I also brought to their attention these serious mistakes that were made on my bank account ... That is the best I can do ... I trust Wells Fargo Bank to have the decency and integrity to fix this serious problem and to offer me the resolution I have requested before ... I understand that Wells Fargo Bank needs time to process my complaint and to diligently research how in XXXX my details were sent to XXXX and also why it was that Wells Fargo Bank in their own correspondence with me denied a material fact that on the day I opened my new bank account Wells Fargo Bank did have my XXXX address as part of my recent address history that is a requirement for opening new bank accounts ... That for some reason Wells Fargo Bank saw fit in their own correspondence to me to deny this material fact ... I have no desire to communicate with Wells Fargo Bank for any reason whatsoever except in terms of their response to my complaint which I take very seriously and the resolution I have requested ... 

Attached please find the letter I received today in the mail Dated XX/XX/XXXX... 

Respectfully Submitted by XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) - This is the referenced letter that is attached to this complaint ...

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 2020-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
At Capital One 360, I opened a Kids ' Savings Account for my son, XXXX XXXX, on XX/XX/2020. The website for this account type advertises, " {$0.00} To open or keep the account '' and " No Fees or Minimums '' ; " Kids Savings Accounts are fee-free and dont require a minimum balance. '' ( https : //www.capitalone.com/bank/savings-accounts/kids-savings-account ). I received a letter dated XX/XX/2020, from Capital One to advise that they have closed the account. I called today and spoke with XXXX, and then supervisor XXXX. They advised that the account was closed because it was not funded within 60 days. I was not aware of this requirement. I noted that the web site advised that there was no minimum balance. I also pointed out that I had 1 phone interaction about the account before today and had received 2 printed statements, but that none of those interactions had advised that the account would be closed if not funded within 60 days. XXXX admitted that the advertised information contradicted the terms. I asked if they could please reopen the account and I offered to fund it immediately. XXXX advised this was not possible, but I could apply for a new account. I asked to escalate the matter. He took my phone number and said that I would receive a call back, but that this process was delayed due to COVID-19. I asked if the 60-day window to fund my account could similarly be delayed, but he said no, that only the bank -- and not the customer -- was being given COVID-19-related extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TX

Complaint narrative:
Equifax is reporting that I have 2 bankruptcies on my credit report. They claim to have gotten this information from XXXX. I have sent several letters and my XXXX XXXX file to Equifax disputing this information. I want the items removed from my credit file Immediately! The first letter sent was on XX/XX/2020 and signed for on XX/XX/2020, second letter was sent XXXX XXXX signed for on XX/XX/2020, third letter sent on XX/XX/2020 signed for on XX/XX/2020 fourth letter sent on XX/XX/2020 signed for on XX/XX/2020, fifth letter sent on XX/XX/2020 signed for on XX/XX/2020. My final contact was a phone call to the company with no resolution. I've been dealing with this issue for 5 months and would like for this to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: OH

Complaint narrative:
Transunion is reporting inaccurate data that is affecting my home loan acquisition. 

They do not have an online reporting access or not taking information on telephone line. 

The collection item XXXX XXXX on the report is incorrect. 
The settlement was paid, and they are still reporting as unpaid,

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 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
MACYS/XXXX  XXXX This debt was paid and closed on XX/XX/2020 however my credit file still shows a balance. The balance should be reporting as XXXX! This is preventing me from getting the credit I deserve and needs to be corrected or delete the account right away!

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 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I closed my credit card within 1 month of annual fee billing. Since I had already paid the annual fee, Citi card representative told me that they will mail the annual fee back to me by check. 
However, I have never received the check.

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 2020-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I was contacted on XXXX, once on my personal cell phone from a private number, and then on my office number. I was informed that it was a process server, ensuring that I would be home at a certain time on XX/XX/20, in order for him to serve me. I contacted the company in which he informed me sent him, and was told that I had a loan for the amount exceding {$1000.00}, for a loan that I supposedly defaulted on. When provided the information that they had, I explained to them that I had not lived at that residence nor had I used that financial insitution during the time frame they gave me. I made an offer to help lower the amount owed, it was declined, and i was informed that they would continue on with the civil suit if i was unable to pay almost {$700.00} today. I explained that that was impossible due to work and Covid, to which he informed me that i would instead be responsible for paying {$4500.00} to {$4900.00} wiht legal fees and court costs as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: ME

Complaint narrative:
Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX RE : Loan No.XXXX Said Servicer is unresponsive to multiple requests for a Payoff Statement beginning on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. This refinance has been scheduled and rescheduled multiple times due to their lack of compliance. Please assist.

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 2020-10-21 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: OH

Complaint narrative:
The information for this account is incomplete and INACCURATE across Experian and XXXX. 

Reported up to XXXX on Experian with a STATUS DATE XX/XX/XXXX with payment history ; STATUS : " Account transferred to another office '' XXXX XXXX # XXXX Reported the XXXX with STATUS DATE XX/XX/XXXX with NO payment history ; STATUS : " Charged off as bad debt '' XXXX XXXX # XXXX Please remove, per the Fair Credit Act 611

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 2020-10-21 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: OH

Complaint narrative:
IN REFERENCE TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 First, as a consumer I had no way of knowing I owe this debt.

How can I dispute if the company failed to contact me? this is a VIOLATION OF UNFAIR CREDIT ACT LAWS ... there is no excuse for XXXX XXXX to not contact me!

XXXX XXXX committed identify theft by illegally running my social security through all national credit bureaus PERIOD! after impact had illegally obtained all of my current info when they ran my social security number to illegally look at my info on my credit reports, XXXX XXXXthey still failed to get in touch with me yet still Impact just posted this debt. that is how I knew/found out Impact had current info yet failed to contact me and TRANSUNION allowed this by just posting this XXXX  debt too ect ...

Throughout my investigation this debt was under XXXX XXXX  XXXX   who I rented from back in XXXX. Never paid late!

I am demanding that this item LISTED BY XXXX XXXX that was illegally posted on my national credit reports be removed immediately due to the fact that this company XXXX XXXX violated credit unfair act law AND BROKE THE LAW TO OBTAIN MY PERSONAL INFO.

I have filed formal complaint against TRANSUNION credit bureaus with anti-trust department in Washington DC and its CEO because TRANSUNION also violated unfair credit act laws and broke the law and should indeed be closed. therefore, this item must be removed immediately from all 3 of my credit reports and an apology letter sent to me asap!

Both TRANSUNION and this company impact receivable also violated my civil rights and unfair credit act protection under US constitution laws based on grounds that neither one of these  parties TRANSUNION and or XXXX  XXXX   XXXX  FAILED to notified me as a consumer to grant me any option to settle this debt.

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 2020-10-21 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: BANK OF THE WEST
State: CA

Complaint narrative:
Hello, I have a Bank of The West XXXX  account. Started out as a combo saving and checking account and now they have done away with the saving acc. My checking account was {$16.00} short. I was charged on XX/XX/20 a {$35.00} fee, on XX/XX/20 a {$30.00} dollar overdraft fee, on XX/XX/20 a {$35.00} fee, on XX/XX/20 a {$35.00}? All for the same overdraft? Apparently every time XXXX makes a request for funds I have to pay another {$35.00}.? This is FRAUD. I have repeatedly requested that the bank not process any inquiry when the balance is XXXX or below. They refuse. When I try to get cash from the machine and the account is low, The machine says your request can not be processed at this time?. Why can't they do the same for XXXX instead of robbing me. 

If this is the built in way banks are allowed to rob old people I will be forced to withdraw from this FRAUDULENT SYSTEM. P.s. Thanks for bailing out these Criminals!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2020 we purchased flights in XXXX with XXXX XXXX XXXX  for {$200.00}. We disputed this charge with the airline and they would not respond. We then disputed this charge with Chase Bank and they determined the charges to be valid. I've reached out to Chase multiple times with detailed information and they simply say they have closed the dispute and will not reopen it. 

Due to the COVID19 pandemic, we were unable to take our trip to XXXX. In XXXX and still to this day, the XXXX government has closed their borders to non-essential travel. Our trip was not a business trip and is not considered essential. 

We waited to see if we could reschedule our trip, but it is apparent that the borders are not going to open for international non-essential travel any time soon. We do not know what the future of international travel holds and we can not predict that we will be able to use any credit with a XXXX  airline in the foreseeable future. 

The airline does not answer their phones or respond to any other forms of communication. With this lack of communication, we can not even confirm the terms of any potential credit. 

Given the state of travel during this COVID19 pandemic, it is completely reasonable for us to receive a refund for flights that were never taken and can not foresee being taken in any reasonable timeframe. 

The US Department of Transportation states very clearly that domestic and foreign carriers should be offering prompt refunds for travel affected by COVID19. 

This carriers lack of responsiveness and willingness to provide a refund is in direct violation of this notice from our US Department of Transportation. I expect a full refund given the circumstances  and can not believe that Chase Bank will not honor this refund.

Company response to consumer: Closed with explanation