vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 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: DISCOVER BANK
State: MS

Complaint narrative:
I applied for a secured credit card from Discover on XX/XX/2020. I secured the credit card with {$200.00}. After completing Discovers verification process, I was issued the card and had an open credit limit of {$200.00}. I have never charged one thing to the card. 

On XX/XX/2020, I was emailed a letter from Discover and it stated that the card had been closed by Discover because they were " unable to verify personal information ''. 

I called on XX/XX/2020 and spoke to customer service person, XXXX at XXXX XXXX CST to ask what exactly they couldn't verify and was told that they have no explanation. I then asked to file a complaint and I have not heard back from Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: FL

Complaint narrative:
XXXX XXXX XXXX insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the XXXX XXXX and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.

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 2020-07-23 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: FL

Complaint narrative:
XXXX XXXX XXXX  insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the XXXX XXXX and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
On XX/XX/XXXX I sent {$590.00} from my debit card to my debit card that deposit to my bank in Ohio because I was in Texas and due to COVID in Texas there is no walk in branches and there is no XXXX XXXX. I sent the money from me to me so that my bills can still come out my regular checking account. I called money gram and told them I am getting a error and usually it does not do that. The rep said he need additional information. He asked me several questions for which I am not going anything illegal and gave proof of my funds as to where it cAmd from. He said it would deposit in 24 hours. 24 hours past I call Money Gram back to be in hold again and on phone over 2 hours. The next rep transfer me 3 times and tell me about technical issues and they are working on it. Thats not my problem when I legally sent my money to my account and have bills to pay. Especially at a time like now. No resolution of a refund. Nothing but it will refund 24/48 hours. 48 hours later no refund back to my debit card call again a whole different excuse. I am not committing fraud. I sent a legal transfer with no transfer not a refund. So at this point I have sf t 2 emails to the help desk no response or resolution only a case number stating someone will be contacting you. Still no contact nothing other than I have my bills behind due to money gram. Attached is my sent transfer that Money gram failed to transfer. My emails. Plus my proof of funds where my money came from with my transaction history to transfer my money into my bank in Ohio. I have made it back home to Ohio and my money is still just sitting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: KY

Complaint narrative:
I did a dispute through the credit bureau and so far nothing has happened I believe I am a victim of identity Taft and this is a product of it but I could be wrong I need someone to help me look into this please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I have MULTIPLE fraudulent accounts opened in my name against my account! I have tried MANY times to get these charges off my credit with a response of, 'its my responsibility to pay. ' The accounts are not mine and I did not open them so I will NOT be paying someone's fraudulent charges in my name. Please get back to me ASAP to resolve all of this. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In my XXXX Credit report I can see 2 hard inquiries that are not true ... I need to make Chase or Amazon to removed that inquiries, how I can do that. Please Help Jpmcb - Card Service Inquiry from XX/XX/2019 National Credit Card Cos. 

Jpmcb - Auto Finance Inquiry from XX/XX/2019 I did not apply or ask for a new loan or credit card or anything in those dates. 
I don't now why they ran my credit. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020 I called the customer service line for Citi-Financial, my best buy credit card. I knew I had promotional balances expiring in XXXX of XXXX. 

It took me nearly an hour to find out how to make a directed payment to these particular balances, the web site is convoluted and difficult to navigate when one is trying to pay-off one of these balances -- the user is instead repeatedly sent back to making a general payment that does not apply directly to the balance you are trying to pay-off. So you search and search to end up calling the customer service line, the only way one can make this type of directed payment. 

I called the number, requested a pay-off quote for all balances expiring in XXXX. I received a quote from a customer service rep for {$350.00} and I paid this amount on the phone at that time. 

About a week later, I received a notification that I had a promotional balance about to expire in the amount of {$.00}. This particular purchase had been made in XXXX of XXXX  and would have carried with it a penalty of a year 's worth of interest, surprisingly, the balances with lesser interest to be charged were paid in full as requested. 

I want to warn the American people of despicable practices such as this being perpetrated against the American people. This is a crime, it is fraud. It is fraud being perpetrated across state lines via the use of Federally regulated phones lines. It is the type of crime that people don't have the time or resources to fight back against. 

My name is XXXX XXXX. I can be contacted at this address or by phone XXXX XXXX XXXX XXXX at any time to provide any documentation you may need. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I have MULTIPLE fraudulent accounts opened in my name against my account! I have tried MANY times to get these charges off my credit with a response of, 'its my responsibility to pay. ' The accounts are not mine and I did not open them so I will NOT be paying someone's fraudulent charges in my name. Please get back to me ASAP to resolve all of this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a checking account in good standing with a Chase Bank for several years. On XX/XX/2020 without any prior notification ... the checking account was frozen by Chase Bank, and has been closed. 
I found out because checks written to pay utilities and a credit card were declined payment. 
I immediately contacted Chase a Bank local branch as well as their main customer service number and fraud department. I was told that they would not provide me ANY information, and did not want my business. I was also informed that I could not withdraw my funds. I have since had numerous visits to the local branch, and several calls to the main customer service numbers. 
I was told by both that my complete funds were being overnighted to me. 
Nothing has arrived to date. All deposits into this checking account have been direct deposit from payroll ( husbands employer ) and Social security for last several years. Recently on XX/XX/2020 a deposit was direct deposited from the IDES PUA Fund.  This was a legitimate deposit for Funds I applied for from the State of Illinois ... due to the Covid 19 shutdown of my employment. I applied for IDES PUA relief on XX/XX/2020 and received a check for relief and funds for all weeks that I have been affected dating back to XX/XX/2020. 
On Tuesday XX/XX/2020 after several more calls to the local branch and Chase Bank customer service ... we received a call from the local bank branch manager ( XXXX ) saying that I had to come in and show them my paperwork proving my claim information with IDES Dept of Unemployment for Illinois. 
This is extremely confidential information ... but, I went immediately to the local branch and supplied all the copies of my valid active claim including claim ID # and printed list of all weeks certified and paid by IDES Dept of Illinois PUA benefits and dates totaling amount of direct deposit made to Chase Bank on XX/XX/2020. No one will still confirm to us what is the cause of closing our account and holding our funds in this account from us. We still are not able to get our money in the account ... or be told when they will release funds. 
We have done NOTHING wrong. We have trusted Chase Bank with our money, and been upstanding customers with no prior issues. 
We are being treated like criminals and very rudely. At this time ... we only want to withdraw our rightful funds and continue to be able to pay our bills and get groceries, etc. Chase Bank is holding us XXXX. It has now been weeks! 
Local Branch of Chase Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX Illinois XXXX. Local Chase Bank branch phone # XXXX ... 
Or ... XXXX Local Chase Bank branch manager contact name is XXXX. 
Please help me ... we are confused and in need of solution!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I signed up for the Home Depot credit card because there was an offer of {$100.00} off on purchases if you did so. The amount may have varied by how much you spent, but in my case it was {$100.00}. I tried to sign up online 3 times and it didn't work. I finally had to call and spend over 1/2 hour on the phone to get this deal setup. The person assured me that I would be the {$100.00} off. I was suspect because it didn't seem like he really understood, but I proceeded. 

I made my purchase online and went through the checkout process. I didn't get my {$100.00} off. I wrote 2 or 3 letters to get my money and finally I rec 'd a credit on my bill, which I had already paid. I sent another letter requesting the money be sent to me, and all I got was a letter back that said call to provide additional information. I am not in position to call any longer, so I sent another letter back saying that they had all the information they needed, but that if they would tell me what else they needed, I would supply it. I just rec 'd the same letter back from them saying, " Call to provide additonal information. '' I just want my {$100.00} back. I even tried to use the card to use up the credit, but that doesn't work now either. They must have froze my account or something. I would like a check sent to my address of record. 

The initial purchase occurred about XX/XX/XXXX. 
I sent them letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX trying to resolve this. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-6 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In early XXXX I was in the final stages of refinancing my mortgage. Per my new mortgage company, they instructed me to go ahead and make my XXXX payment ( {$2600.00} ) to my current mortgage company ( XXXX XXXX XXXX  ), just in case of a delay in closing. So I scheduled my XXXX payment using my bank 's ( Bank of America ) bill pay system like I have done for the past 5 years for payment on the XX/XX/XXXX. 

On XX/XX/XXXX, we closed on the refinance and on XX/XX/XXXX the old mortgage was paid off. On XX/XX/XXXX the XXXX mortgage payment was sent via Bank of America 's bill pay system to XXXX XXXX XXXX via ACH. On same day ( XX/XX/XXXX ) the draw was returned by XXXX XXXX XXXX  via ACH. 

I contacted Bank of America, and they are pleading ignorance of the issue and refuse to return my money or credit my 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 2020-07-23 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: SC

Complaint narrative:
The letter I sent to XXXX XXXX XXXX XXXX was returned to me yesterday. It has an invalid mailing address.

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 2020-07-23 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: TX

Complaint narrative:
Success! 
Your report was submitted to the FTC. If you provided an email address we will send you a copy of your reference number : XXXX address not mine XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine : XXXX XXXX office of the atty gener oag child su XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: MI

Complaint narrative:
This company is wrongfully charging college students for monies they do not owe. This company is holding back deposit monies and charging for something that is not owed. they allowed some stranger to stay in there apartment, for free and charged the other students the same amount as if the the XXXX person was not there. Students complained over and over again with no results. Then continue to charge the students and kept their deposit. they are seriously taking advantage of these college students. I signed the lease agreement with my daughter, they have now turned me into collections. We have tried to reach out to these people but they were rude and unresponsive. And I feel that they are in the wrong. should not be allowed to continue to able to take advantage of college students and their families. they never reached out to me to let me know. And than turned me into collections. She moved out in XXXX of 2019. And was told after the her payment arrangement was completed that her deposit would cover the remaining amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Forster and Garbus ( XXXX? ) called my employer asking for me, when my coworker transferred the call they hung up. The woman identified herself as a representative of Forster and Garbus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
hi. every time i used the card citi sent me a fraud alert. i called and spent over an hour they promised it won't happened again an it happen in a daily basis. it happened twice or 3 times in one day. i paid on time. i never had a fraud case. its unbearable that i have to waist so much time explaining my private life. unacceptable!!! .discrimination!!!!

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 2020-07-23 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: SC

Complaint narrative:
The letter I sent to XXXX XXXX of So was returned to me yesterday. It has an invalid mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: SC

Complaint narrative:
The letter I sent to XXXX XXXX of So was returned to me yesterday. It has an invalid mailing address.

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 2020-07-23 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: TX

Complaint narrative:
Success! 
Your report was submitted to the FTC. If you provided an email address we will send you a copy of your reference number : XXXX address not mine XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine : XXXX XXXX office of the atty gener oag child su XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TX

Complaint narrative:
Success! 
Your report was submitted to the FTC. If you provided an email address we will send you a copy of your reference number : XXXX address not mine XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts not mine : XXXX XXXX office of the atty gener oag child su XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

Company response to consumer: Closed with explanation