vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-03 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: TX

Complaint narrative:
I have applied for Chase Saphire twice and got denied, they give me a list of reasons but are not very specific. I finally called for a reconsideration and I was told that the reason I got denied is because I have a bankruptcy and a charge off with them from 2007. I have never filed for a BK and I was not aware of this charge-off account with Chase, I do not see it on my credit report so I'm assuming it must be a mixed file or opened without my consent. I asked how I could resolve this and was not offered any solutions. 

I am currently looking at my credit report I do not have anything public records. I have credit cards with XXXX, they recently gave me an automatic increase for having an excellent payment history and I also have had a XXXX XXXX XXXXXXXX XXXX for 11 years with an excellent payment history. Why not consider those? I have been maintaining good credit and plan to keep it that way. There is one Fraudulent account with XXXXXXXX XXXX only reporting on XXXX that I have been working on resolving but everything else is current and balances are always kept under 30 % I don't feel they gave me a proper reconsideration. Seems they also missed the fact that I am an authorized user on a Chase Credit card with a credit limit of {$24000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased a flight on XXXX XXXX XX/XX/XXXX for {$380.00} with my Chase XXXX card ending in XXXX. I cancelled the flight due to covid and received an airline voucher. Recently, XXXX XXXX said they were just going to refund all these flights to original form of payment. I called XXXX XXXX and said the card I purchased the flight with was cancelled already. They said typically if you still have an account open with the same bank it is ok. I called chase to clarify, they said 'of course, we do this all the time ' and 'the credit will be put on an open account '. I went ahead and requested the refund from XXXX XXXX on XX/XX/XXXX. 

Months later I call Chase to see what's going on with the refund. They said they have no record of my XXXX credit card and don't know what to do. I made several calls to Chase, all with different answers. 
Call 1 : They said I should see the refund soon Call 2 : They said the money was returned to XXXX XXXX, and I need to call them. I then called XXXX XXXX who said the money was sent to Chase and never sent back. 
Call 3 : They said the account is purged. In order to fill out a form to get the money, I need to provide the full credit card information. I don't have the credit card anymore and for some reason Chase doesn't have records of a card cancelled a handful of months ago. They said to fax in all my information to receive the card number. -- > I faxed all my information and received a letter back saying 'We can't locate the transaction information you requested. ' Call 4 : They said they call fill out the form but do require the card number - again, they can't see it in their system. Said to send another fax as there is nothing left to do. 

So at this point I have called Chase many times and it comes down to needing the card number - which I do not have, and for some reason they have no record of. The last call I had the person said there is nothing left to do ... 

Chase originally told me this 'would be no problem ' yet now I've spent countless hours on the phone with Chase and XXXX XXXX XXXX who always have the same story, the money was sent and never returned XXXX ... 
So I just need help on next steps. Chase has the money somewhere and I would like it returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I had fraud on equifax report 8 years ago and they put I pay 1 payment a year to not take this illegal way of keeping on my report. 

They tricked me and when I got XXXX XXXX credit card and asked could it have been family or friends? I didn't know 1 month after fraud happened. They then said they couldn't take off credit for 7 years because I said it could be family or friends which it was overseas fraud. Whoever did this took XXXX XXXX dollars cash in 3 weeks without calling me to see if it was right or fraud. They are going to be sued, my attorney general will be called, my personal lawyer will take them to don't for blindly lying to meThey admit they lost police report, lawyer report and ftc repirt.Then their investigation was just as bad as the fraud. They did nothing that the FAIR CREDIT REPORTING AGENCY MAKES SECTION 604, 609, 611 AND 623 AGAINST THE LAW ( FEDERAL AND STATE ) IN 3 WEEKS THEY HAVE NO ID, TAPES, SIGNATURES OR LETTERS STATING I COMMITTED THIS WHICH I HAD TOP SECRET CLEARENCE MY WHLE LIFE. THEY NEED SNOTHER CLASS AGENCY LAWSUIT AGAINST THEM BECAUSE THEY DONT TRAIN THEIR XXXX WORKERS SMERICAN LAWS. I SWEAR I WI BE RICH IF THEY DONT TAKE OFF THE XXXXXXXX XXXX XXXX OF XXXX XXXX DOLLARS, LATE PAYMENTS OVER 5 YEARS AGO THAT WERE PAID AND XXXX HARD ONQUIREYS THAT I HAD FREEZE ON. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My husband and I had a joint checking account with SunTrust with consistent monthly deposits of almost {$10000.00}. The account was in good standing, was never overdrawn, and our balance was never continuously low but on XX/XX/21 SunTrust decided to close our account without warning or explanation. I had no idea they did this until I tried to pay for my lunch and the charge wouldnt go through. 

I contacted the toll free number and was told I had to go to a local branch with my ID for verification. I went to the local branch and was told to contact the Fraud Department. I contacted the Fraud Department who told me I had to go to a local branch with my ID for verification. I went BACK to the local branch and the banker called the Fraud Department with me in there. I was then told the account was being closed but they couldnt tell me why. After pressing for a reason I was told suspicion of fraud. Why? Because I make XXXX figures a year?! 

On top of that, they told me they would make a decision about the funds in our account and whether they would return them to us. SunTrust is holding our money, refusing to give it back, and the ONLY fraud that has been committed is the fraud committed on their end by closing our account and holding our money.

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 2021-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc.
State: GA

Complaint narrative:
I attempted to do a mobile deposit into my XXXX account and the check cashing company Ingo Money sent me an email stating that the check was accepted and was pending deposit and then advised me to write void on the check and resubmit the voided check image. I did as they requested and then they denied the deposit and I can not get any other financial institution to honor the check because it has been voided out. I have been corresponding with Ingo Money for the past month trying to get this resolved and every time I am advised to resubmit the check deposit and they will cash the check but they have not. This check is for {$790.00} and has caused me to fall behind on my rent and utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I opened my account w citizens in XXXX online through the link that promised me XXXX if I met all the requirements which I did and another XXXX dollars for every debt card transaction for the first 60 days up to XXXX dollars. Amount was supposed to be paid to me XX/XX/30, still have not gotten my bonus, customer support is awful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCI Credit Services, Inc.
State: LA

Complaint narrative:
In regards to previous complaint against DCI Credit Services , Inc. Company responded on XX/XX/2021 to CFPB complaint stating : RESPONSE TYPE Closed with explanation Company 's Response DCI Credit Services , Inc.- a North Dakota based debt collection agency has not sent any notices or attempted to collect any accounts/debts on this Consumer. This complaint was made against the wrong company as we do not have any accounts here under the Consumer information provided. 

On XXXX XXXX DCI Credit Services, Inc pursued further attempts.

They continue to break and violate Federal Law 1 ) Claiming that no such debt nor consumer existed in their records 2 ) Continued to violate 15 USC 1692 by submitting Notice on XXXX XXXX XXXX ) Lying to the CFPB in regards to avoid investigation of the matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: CA

Complaint narrative:
I have been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: CA

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I just found two unauthorized transactions on my XX/XX/XXXX Bank Statement, a debit to XXXX for {$140.00} of XX/XX/XXXX snd a debit to XXXX XXXXXXXX for {$2500.00} of XX/XX/XXXX, and called Wells Fargo to dispute these transactions. I was told that it was not possible to dispute the transactions as the phone operator could not retrieve account information since the checking account in question had been transitioned to a new account due to past fraudulent transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I made a payment for the date that I made the payment.I have XXXX for the bank account.The bank said they took the money out and so did Capital One. They said the bank rejected my pay mentor when XXXX will not even let it go through if the money was not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need help from the consumer bureau I dont know what else to do with Trnasunion beside you sue Transunion After I sent a letter and also reporting to the consumer Bureau They sent me a letter saying that they are unable to process my request because they are unable to determine the nature of my request or is illegible I sent several Letters and disputes with details and proof and even like that they have the nuts to say they dont know what is the nature On my reason Transunion is one of the worse of all the credit bureau XXXX could it understand the nature of my dispute but not Transunion Doing over and over violations of my rights I sent a letter telling that the last date active were wrong, and didnt even match with any other reports So my disputes are trash? 
Last letter to sue Transunion They are treatment in an unfair manner and violating the credit act They say they had investigate I dont believe that Im suing Transunion After the conclusion of the 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 2021-07-03 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: Block, Inc.
State: FL

Complaint narrative:
Cash App, a subsidiary of Square., is holding preauthorization charges on my account triple the typical amount of time such charges are usually held, thus effectively playing keep-away with my funds that I should have access to. This financial technology company, Cash App, is also mishandling disputed transactions and it appears to have no customer service number whereby customers can speak with a live agent ; there is only chat, text and email options the protocol of which keep changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Motor Credit reporting 60 days late. This always shows on my credit report, which is not true. This is incorrect information, that Toyota Motor Credit reporting to the credit bureaus damaging my credit with false information. I disputed it with credit bureaus, and they changed nothing, just sent the mail that all correct they verified it. I disputed it with Toyota Motor Credit, and sent the proof as attachment with all statements from my checking account, thats the only proof that shows no 30 or 60 days lates. After all Toyota Motor Credit update the information with the same lates. I have the copy of disputed letters with attachments, and the proof of delivery ( mails was sent certified ). Please help me to remove this incorrect information from my credit report. I can send you the evidence of my payments and you can check that no lates on my account, and the Toyota Motor Credit going against the FCRA rules about accuracy, fairness of reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: DriveTime
State: CA

Complaint narrative:
I am a victim of ID theft. I have filed a local police report and the FTC complaint. 
The thief tried to obtain credit fraudulently from drivetime on XX/XX/2021. 
I disputed the inquiry on my credit report through the credit bureau. On XX/XX/XXXX I received a letter from drivetime stating that they denied my request. ( see attached letter ) Quote : " Our records show your credit was pulled after you visited our website, www.drivetime.com, or one of our dealerships on XXXX XXXX. Our records also show you gave us permissions to pull your credit because you were interested in obtaining credit for the purchase of a vehicle. Since you authorized the credit pull we will not be able to grant your request. '' I immediately called the company at the number on the letter. After explaining the issue and getting nowhere I asked to speak with a supervisor. The supervisor identified himself as XXXX XXXX from the customer relations team. 
He told me they will not remove the inquiry because it was legitimate and they have no proof it was not initiated by me. I was very clear that I am a victim of ID theft, I never authorized anyone to obtain credit in my name, I have filed the report with the authorities and I offered to send them a copy to verify my claim. 
XXXX XXXX still had no interest in resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed a current copy of my credit report and show inaccurate or incomplete information listed on my credit report. I show an alleged collector XXXX XXXX XXXX Account number XXXX. I have never seen or heard to this collector and I have not received and information that has verified such debt in the amount of {$1200.00}. I this alleged account is a direct voliation for FDCPA and has not been verified and has cause due harm to my credit. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: Profit Services Group
State: GA

Complaint narrative:
I reviewed a current copy of my credit report and show inaccurate or incomplete information listed on my credit report. I show an alleged collector Profit Services Group Account number XXXX. I have never seen or heard to this collector and I have not received and information that has verified such debt in the amount of {$1200.00}. I this alleged account is a direct voliation for FDCPA and has not been verified and has cause due harm to my credit. Please delete this 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 explanation
Consumer complaint received 2021-07-03 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: NY

Complaint narrative:
Inquiries on my credit report were not authorized and I do not have accounts with any of these 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 2021-07-03 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: NY

Complaint narrative:
Inquiries on my credit report were not authorized and I do not have accounts with any of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion displays innacurrate employer. I do not work for XXXX XXXX, neither have I ever. Correct employer is 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