vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have a chase southwest credit card. At the beginning of the year, I enrolled in one of those chase pay over time plans where they advertise that you don't get charged interest on things you enroll in the plan. After months of paying on the bill, I noticed that my overall balance was not reducing. As a result, I decided to try and pay {$2000.00}, the total amount on the non-interest saving balance so that all that would be left is the pay over time plan portion. I logged into my Chase account and to my surprise there were only options to pay the card in full or pay the interest saving pay over time balance. I obviously didn't want to pay the portion that was not accruing interest and since there isn't an option to select that I called Chase. I asked Chase to apply the XXXX to the amount that was accruing interest. They told me that they could not allocate funds that way, but once I made my monthly payment, any extra would go towards the amount with the highest APR. So I made my monthly payment and then paid XXXX  extra so that it would go towards my non-interest saving balance. Low and behold when I logged into my account today they put all of my money towards the pay over time part that was not accruing interest. These seems to be a violation of consumer 's trust because it's misleading how the entire program works, they specifically lied about how they apply payments, refused to apply payments the way I asked or even provide an option consistent with consumers having an option to choose how to apply payments above and beyond the minimum. It took a lot to pay that money at once and it feels wrong that they are able to just take it and keep me in revolving debt by applying it however they choose. I tried calling to get them to resolve this, but I couldn't talk to anyone to get help. I decided to file this complaint because I'm sure that I am not the only consumer they have done this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
A checking account was opened in my name with TRUIST. I did not open this account. There are several transactions under the name XXXX XXXX XXXX XXXX I called TRUIST XXXX and they refused to close the account and said they would monitor it.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: NV

Complaint narrative:
I opened inquiry-dispute more than 30 days now on my account card after not receiving the service I paid for ... credit company told me it will be credited to me numerous times now ... including calling and speaking with supervisor that promised me all taking care of ... nothing has been credited to my account... I want to open a lawsuit against my bank so they will not credit that dispute and keep lies to me on the phone when I calls each time ... .as ALL credit cards companies ... any dispute needs to be resolved 15 days and not that longer time my back holds it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
Scheels Visa customer support number is : XXXX. 

I accidentally dialed XXXX XXXX, And this number is posing to be VISA, and took all of my info. 

I noticed the misdial and eventually hung up.

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 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
XXXX has reported a collection account to XXXX claiming that I owe them {$180.00}. This reporting is either the result of identity theft or an egregious mistake on their part. For all I know it could be a scam? One thing I know for sure is that I do not owe XXXX any money, and this reporting is inaccurate. I want it removed immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank offered us an accelerate savings account. I opened the acct mid XXXX. We made 3 large deposits first one {$40000.00}, next month we deposited {$20000.00} then in XXXX made another {$5000.00} deposit. 

The day after the last deposit on XX/XX/XXXX they said that they have blocked my account and is closing it. I have no access to my account to even see that my money is there. When you call them you are on hold for over an hour. They will not tell me why they are closing it and they will not allow us to take our money out. They will close it after they investigate and will send me a check in the mail. 

I did receive interest. but now I can not access or receive any interest and with the current mail system I have already experienced not receiving checks in the mail multiple times. So sending me my money 60 days later in the mail is unreliable and unacceptable. 

I need access to that money sooner than 60 days. They are not allowing me to talk with a supervisor. They give me no confirmation or reason why they have blocked and closed my account. At this point I just want to put my money back into my local account. 

No withdrawls have been ever made the only thing that has taken place is 3 deposits directly from our bank. All done on line. There has been no illegal activities. If someone was trying to do something to my account I don't understand how I wouldn't be notified about that and why they are closing my account. At this point they are holding my money with no confirmation or availability to see what money is in there.

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 2022-07-19 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: DISCOVER BANK
State: GA

Complaint narrative:
Several months ago I FROZE MY ACCOUNT wih Discover by clicking the link that says " Freeze Account ''. However, Discover, apparently has created a new definition for freezing an account as they have continued to allow merchants to charge my account for services that I want to move to my other credit cards. Discover has a bad habit of advertising an image of being customer centric and customer friendly, yet makes moves that work for them. This is called " False Advertising '' and they are guilty of it in many areas of their business. 

They have allowed charges from XXXX XXXX for XXXX and XXXX for XXXX these are not authorized on my Discover Card. 

They show a current balance of XXXX. Please provide Discover Card with the " Adult Supervision '' that they so desparately need and have these two charges canceled and remit a check to me for XXXX. 

I also ask that you educate Discover Card on what " Freeze My Account '' means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: VA

Complaint narrative:
On XX/XX/XXXX, my credit score went down XXXX points. When I checked my credit report, my on-time payment history had decreased from XXXX XXXX to XXXX XXXX, and I am currently late on my XXXX payment on all 3 credit bureaus. The message related to why the huge drop in my score along with my payment percentage going down stated that it was due to a missed payment from XXXX XXXX, which is my creditor for my car loan. However, when I checked my XXXX account information on my credit report, there was no missed payment showing. I still have all green checks for on-time payments, so none of this should have ever happened. On XX/XX/XXXX, I called the credit bureau to find out what happened and to see if it was a possible mistake since my account was not showing anything about a missed payment. They stated that it could have been a mistake but they stated they did not know why and they did nothing to remove it. On XX/XX/2022, I called XXXX and asked why this happened since I hadn't missed a payment. They stated that they were not showing a missed payment for me at all and that they did not provide the credit bureaus with any information pertaining to a missed payment.

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 2022-07-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, my credit score went down XXXX points. When I checked my credit report, my on-time payment history had decreased from XXXX XXXX XXXX XXXX XXXX and I am currently late on my XXXX payment on all 3 credit bureaus. The message related to why the huge drop in my score along with my payment percentage going down stated that it was due to a missed payment from XXXX XXXX, which is my creditor for my car loan. However, when I checked my XXXX account information on my credit report, there was no missed payment showing. I still have all green checks for on-time payments, so none of this should have ever happened. On XX/XX/XXXX, I called the credit bureau to find out what happened and to see if it was a possible mistake since my account was not showing anything about a missed payment. They stated that it could have been a mistake but they stated they did not know why and they did nothing to remove it. On XX/XX/2022, I called XXXX and asked why this happened since I hadn't missed a payment. They stated that they were not showing a missed payment for me at all and that they did not provide the credit bureaus with any information pertaining to a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 At around XXXX XXXX I went to the region ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I used my debit card to deposit Cash to my business I deposit {$1400.00} in cash the ATM took the cash the atm said Payment retained Transaction canceled each time I tried to print a receipt the atm said transaction canceled. Regions Atm took my money. Regions can count the machine and see the machine was over plus there's a video recording showing I made the atm deposit. I'm not sure why but I'm having a hard time getting my {$1400.00} back when the atm took the money and did not deposit the money into 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 monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: WI

Complaint narrative:
WE tried to send XXXX {$4100.00} to friend who is a XXXX  in XXXX. We are friends over XXXX XXXX but met through another XXXX  who visited this man in XXXX. We were sending money for a water project. 

We used Western Union and then they refused to sent the money because we could not say that we had ever actually spent time with the XXXX  from XXXX WE asked for a refund and they said they would process this. We have called at least 6 times asking where the refund is and they keep saying it has been approved and is in process. However after more than two months we have not received anything. We have called back and get the same answer even though we have asked to talk to supervisors. Same answer every time with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a member of XXXX XXXX and I received another alert for a fraudulent Capital One credit application. I am told it was denied because I had a fraud alert set and now have all my credit frozen on all 3 credit bureaus. I contacted Capital One, XXXX XXXX and XXXX as they were the reporting agency for this alert. 

I did not apply for this credit card! I do have an old Capital One account ( credit card ) that I never use anymore but they said there were no charges on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Phone was stolen out hands in XXXX by mobile scooter rider XXXX while out spending time with my family. Stopped in a branch to file a claim the next day XXXX and noticed my account had been compromised. A XXXX  transaction for {$270.00} had been made via my mobile banking without my approval. I expressed this issue to chase bank claims specialist multiple times when calling and inquiring about my fraud claim. Chase treated me terribly after already going through this embarrassing situation physically with my family. Chase at first stated originally after the claim was filed that I'd receive a temporary credit in XXXX hours for the full amount of the fraudulent charge. That quickly changed after inquiring about the claim to XXXX business days because it was a online mobile transaction. I received a denial decision on the claim XXXX after waiting XXXX  days for an " investigation '' to be completed. On that same day I contacted the claims department again and escalated the claim to claims management department looking for an answer as to why my claim was denied. I was told by the claims manager that she could see that the fact that my mobile device was stolen was overlooked. She stated to me that she was resending the claim for consideration due to the fact that my device being stolen was not heavily considered. She then went on to express to me that the reason the claim was denied was because the fraudulent transaction was in my " region '' and on my mobile device. In my opinion that's a pathetic answer for a XXXX day investigation. How is that even an investigation? As if I can control what a thief does once my device was in their possession. I asked chase to provide me with a ledger or receipt, something I signed for this fraudulent transaction of {$270.00} and they completely ignored my request. Also I've never sent this amount to the individual listed nor were they in my mobile banking contacts as someone I've did an eft with. Immediately after speaking with the claims management department and escalating the claim to be reconsidered, I was told by the claims manager that another decision would be made on the claim in XXXX business days to decided whether or not to overturn the decision. Due to chase be diligent about denying the claim, I didn't have to wait XXXX business days for a final decision. I was sent yet again a rapid denial on XXXX stating the transaction was approved which it was not approved by me. I will be closing this account with this company due to poor inconsistent treatment of their consumers. We do not live in time where you can afford to deal with an undermining financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
As I am a XXXX XXXX XXXX XXXX XXXX  holder, I opened an NFL Visa card with Comenity Bank due to their preferential zero-interest terms for XXXXXXXX XXXX XXXXXXXX. Comenity 's terms and conditions specify that " special financing '' applies for XXXX XXXX XXXX of {$250.00} or more made at XXXX Team Ticket Offices, XXXX, XXXX, and XXXX with your NFL Extra Points Visa Credit Card ''. In addition to special financing, previously mentioned purchases are eligible for XXXX XXXX  rewards rate as opposed to the normal XXXX XXXX rewards rate. 

On XX/XX/2022, I paid for my XXXX XXXX XXXX XXXX tickets of {$3500.00} directly through the XXXX XXXX XXXX XXXX. The listed vendor on my statement was XXXX XXXX XXXX XXXX XXXX XXXX a clear indication that the above conditions were specified. However, I was assessed interest charges as well as received the normal XXXX XXXX  rewards rate rather than the XXXX XXXX rewards rate. I was assessed a {$45.00} interest charge on XX/XX/2022 and a {$31.00} interest charge on XX/XX/2022. 

I have attempted to contact Comenity Bank through their secure message portal and by phone. Comenity Bank has had " system updates '' that have had their listed phone number be no longer in service and " high call volume '' that have caused multiple phone calls to have over an hour of waittime without reaching a representative. I have been unsuccessful in contacting Comenity Bank to find a resolution to the above issues.

Company response to consumer: Closed with monetary relief