vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, I went into a Chase Branch at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX to open a Checking and Savings account. I had received a coupon on the Chase.com website after logging into my credit card account to receive a {$500.00} bonus for opening the Checking and Savings account. I was assisted by XXXX XXXX, a Chase banker, who helped me to open the accounts. The Chase banker reviewed my information and asked me extensive questions in regards to my personal and financial situation. The banker expressed no concerns with my information and my accounts were opened with no issues. On opening, I wrote two checks, {$25.00} for the checking and {$15000.00} for the savings which I funded with the recent sale of my home. Documentation on the closing of my mortgage with XXXX XXXX and the wire instructions with the escrow company can be provided upon request. 

On XXXX XXXX, the checks cleared and the funds were available in the accounts. 

On XXXX XXXX, I attempted to log into my Chase Mobile App and received a notice that my accounts were suspended and to call customer service. Upon doing so, I was informed that my checking and savings accounts were to be closed. I attempted to gain information and understanding of why my accounts were closed and did not receive an explanation. I also went to the branch where I opened the account and the Branch Manager was unable to retrieve that information as well.
No attempt was made to my knowledge by Chase to reach out to me prior to the closure of the accounts. No notice was given. 


I had recently opened accounts at two other financial institutions and did not have any issues with those banks. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
XXXX XXXX is refusing to review a complete modification package stating that it is too close to the sale date. Yet the file was marked as received and in review per Execive office. XXXX XXXX is dual tracking which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ECMC GROUP, INC.
State: OH

Complaint narrative:
I have student loan that had defaulted and was turned over to Premiere of North America LLC. Arrangements were made for me to pay {$140.00} dollars each  month for 10 months. After 10 months of payment, my loan would be in a current status. These arrangements were set up automatically to be withdrawal from my checking account monthly. Payments started to come out of my checking account automatically, but then the payments stopped. When I contacted Premiere @ XXXX, I was unable to get through ( constantly on hold and then the line would disconnected XXXX to speak with a representative after several attempts. After calling Premiere for several weeks, I finally received a recording stating that they were no longer handling my account and the call was automatically transferred to the XXXX XXXX XXXX ( XXXX ). After speaking to a Representative, I was told that there was a dispute going on between Premiere and XXXX XXXX XXXX XXXX and that they could only accept payments but because no paperwork from Premiere was forwarded to them, they could n't honor the payment arrangements that was made with Premiere and they could n't off their rehabilitation program because it is only offered once in the lifetime of the loan. I asked for a settlement amount, the representative told me that I need to contact Premiere. I confirmed with the agent that they were aware I was getting referred back to their office. The agent stated that is what he was told to say. I am wanting my name removed off of the CAIVRS list because I have been paying as agreed. I am also requesting that the XXXX XXXX XXXX honor the payment arrangement that was set up with Premiere.

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 2017-09-30 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: U.S. BANCORP
State: NE

Complaint narrative:
On XXXX XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. 
The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

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 2017-09-30 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: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. 
The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

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 2017-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra at number XXXX repeatedly called my cell phone and my work phone between XXXX and XXXX on X/XX/2017. They do not disclose who they are and was very rude when asked to call after work hours. I asked if there was a call back number and was told " we need an account number from you to settle this debt or we would have to pursue you in court and file criminal charges. '' The agent was very degrading and belligerent. When they called my employer and was placed on hold they immediately hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had confidence that my personal credit history and information was protected by Equifax and had to go through the process of freezing all of my credit reports to protect my information. This is what I 'd expect my credit agency to manage and there was no assistance as I had to do the filings myself. I never received a notification and was directed to some web site to find out if I was impacted by the security breach. I do n't trust their site and did not apply for any of their credit protections and handled that process on my own. 

This is a serious matter with my personal information having been obtained through a reckless and unreliable security process on the part of Equifax. It is a serious lack of attention and protection of my financial information and is unacceptable. I will have to monitor when to release the freeze if I need to apply for credit or a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On the evening of XXXX XXXX, 2017 I phoned Experian to remove two addresses that I am not associated with and inquires that I did n't recall authorizing. They refused to investigate and told me they can not do anything. I must call each creditor and ask them to remove the inquiry. I asked what if the creditor does n't respond, the rep said just keep trying.

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 2017-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XX/XX/XXXX at XXXX XXXX I received the following Email : Title : Do n't Forget : Earn XXXX Membership Rewards ( R ) Points Dear XXXX, This is a reminder that you can earn XXXX Membership Rewards Points after you spend {$2000.00} in eligible purchases on the Card between XX/XX/XXXX and XXXX/XXXX/XXXX as part of your original welcome bonus offer when you received your Card. 

Points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement. 

If you have any questions, please call the number on the back of your Card. 

Thank you for your Card Membership, American Express Customer Care So I spent more than XXXX later but did not received the claimed bonus. After I contacted more than 3 representative, they said the date was not correct. The spending frame should actually start from XX/XX/XXXX. So they suggested me to spend another XXXX, instead of righting their wrongs : issue the bonus to me right away. One of them even claimed it was my fault for reading terms when I opened the account. I think Amex should admit their mistakes and compensate their customer instead of stimulating him to spend more on their product. After I spent long time arguing with them, they agreed to open an " internal investigation '' and wanted me check with them in 6-8 weeks. 

I had some bad experience with the so called investigation on a different issue : last time one representative told me to come back in one week for a satisfactory answer. I did but was only told by another representative no result yet. I kept doing this for two months, wasted a lot of time, and eventually gave up. Even today I still did n't get any result. So this time I suggested the agent to send me an email once there was any result but the agent said they are not able to do that. I really do n't want to waste my time waiting on a void answer. Wanted to say something more and the chat got disconnected, again! I tried to contact them earlier and it got disconnected too after I spent a lot of time explaining this issue. 

So I decide to stop wasting my time and finally file a complaint here. I think Amex 's attitude is problematic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had an item posted on my credit report from XXXX of Illinois, XXXX XXXX XXXX XXXX, that reported negative on my account. I have since satisfied the account as PAID and have attached a copy of the paid notice. This item is reflecting negative on my Equifax, XXXX and XXXX when I have paid account and the account is now closed. Spoke with representative who stated information should update and reflect on my credit report but it has been over 120 days and no reflection of paid status and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: TX

Complaint narrative:
XXXX is reporting account XXXX as my account as a result of transfer from Bank XXXX XXXX in XXXX XXXX. This account is not mine and XXXX should remove it from my credit report. On XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from Bank XXXX XXXX. On XXXX XXXX, XXXX, the XXXX order the XXXX Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One keeps making credit inquiries on my credit report after I requested in writing that they stop. I originally allied for a credit card but was told that I had a credit freeze on my report. I contacted the three credit bureaus and they said their was no current freeze. In XXXX of 2017, I wrote Capital One to request to opt-out of solicitations. Since then, they have continued to make hard inquiries on my credit which I did n't authorize. The last two I can see were on X/XX/17 & X/XX/17. My credit score has been dropping due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had an item posted on my credit report from XXXX of Illinois, XXXX XXXX XXXX XXXX, that reported negative on my account. I have since satisfied the account as PAID and have attached a copy of the paid notice. This item is reflecting negative on my XXXX Experian and XXXX when I have paid account and the account is now closed. Spoke with representative who stated information should update and reflect on my credit report but it has been over 120 days and no reflection of paid status and removal.

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 2017-09-30 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: TX

Complaint narrative:
XXXX is reporting account XXXX as my account as a result of transfer from XXXX XXXX XXXX in XX/XX/XXXX. This account is not mine and XXXX should remove it from my credit report. On XX/XX/XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from XXXX XXXX XXXX. On XX/XX/XXXX, the Court order the Rescission Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.

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 2017-09-30 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: TX

Complaint narrative:
XXXX is reporting account XXXX as my account as a result of transfer from XXXX XXXX XXXX in XX/XX/XXXX. This account is not mine and XXXX should remove it from my credit report. On XX/XX/XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from XXXX XXXX XXXX. On XX/XX/XXXX, the Court order the Rescission Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.

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 2017-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America breached my account holder 's contract by paying out {$19000.00} to a non-owner of my individual account on XX/XX/XXXX. I was the sole owner of this account as shown on signature card and verified by Bank of America on three separate occasions after this date. Pursuant to the account agreement, Bank of America should not have permitted any withdrawals from this account except those on the account owner. However on XX/XX/XXXX Bank of America accepted a checking /savings withdrawal from the non-owner in the amount of {$19000.00} as shown in the photo copy. 
I immediately notified Bank of America and tried to stop payment on this transaction XX/XX/XXXX but since this withdrawal was done in person on XX/XX/XXXX the money was gone from my account and the cost of the Stop Payment was return to me. I notified Bank of America of this fraudulent withdrawal by filing a Fraud Statement of Claimant form on XX/XX/XXXX. I also reported this to the XXXX Police Department. 

Getting no positive response from Bank of America I enlisted a local attorney XX/XX/XXXX. Due to deteriorating health issues that caused me to be diagnosed with XXXX XXXX XXXX XX/XX/XXXX, I was not able to pursue this case further since the XXXX was a two year XXXX XXXX XXXX XXXX  from several treatment centers and hospitals in XXXX and XXXX XXXX Missouri. Finally in XX/XX/XXXX my attorney sent a letter to Bank of America Legal Department stating our case against them. On XX/XX/XXXX Bank of America responded asking for documentation to be sent to fax number XXXX. Copies of the individual signature card, individual signature card with personal bankers name, Fraud Statement of Claimant, and Bank of America withdrawal slip for {$19000.00} from the non-owner honored by Bank of America were all sent by my attorney on XX/XX/XXXX to Bank of America fax number as requested by the Bank of America Legal Department. However, as of XX/XX/XXXX no other response has occurred to my attorney or myself since XX/XX/XXXX from Bank of America.

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 2017-09-30 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My card was used fraudulently XXXX XXXX XXXX at XXXX XXXX XXXX 's in XXXX in the amount of {$85.00}. My credit card company Capital One was informed and stated that I would be issued a new card and my account refunded. On XXXX XXXX I received a letter stating that the card had been deactivated, a new card mailed, and my money refunded. On XXXX XXXX I received my statement which showed the refund and it was also reflected in my available balance. On XXXX XXXX I attempted to use the money and my card was denied. When I called Capital One I was told that the money was on a 30-90 day fraud hold and was unavailable until the investigation was completed. This was not stated at anytime and I feel my money is being held fraudulently and should be made immediately available. When I have their money I pay interest however they are not offering to pay me interest. They refuse to provide proof that they stated 30-90 days even though I have provided proof of them saying it was refunded. One agent even asked me if I was the one that actually made the charges even though the charges were done in XXXX then immediately followed by a charge in Illinois and I live in Washington state and have never been to either place. That was insulting and unprofessional. I humbly request that you investigate this matter and provide relief as you see fit.

Company response to consumer: Closed with explanation