vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX my identity was stolen ( wallet, phone and XXXX  watch ) - the people who have stolen my identity have opened lines of credit, withdrew {$6200.00} from my bank account from a teller ( XX/XX/XXXX ), cashed checks in my name ( XXXX and XXXX on XXXX XXXX ), filing inquiries, using my ID to rent cars from XXXX and other rental companies and stealing the cars. They recently got in a car accident and provided fake identification ( which was my name and information ). I was notified from the persons insurance company who was hit in the accident. A police report is on file with detective XXXX XXXX XXXX I have still yet to be refunded by Chase bank and have little to no updates on refunds. 

XXXX XXXX Case Number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I've been unable to make a payment on my Comenity Victoria 's Secret credit card. The system will not allow me to login, I've tried to call and the message says that they are working to fix the issues. Meanwhile, I am not able to pay my credit card bill and I do not want it to reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had an account automatically transferred to Citizens bank from XXXX with a balance of {$5.00}. I received an email from Citizens saying I would be charged a {$4.00} monthly maintenance fee on the account. I do not use this account, and want to close it because it would cost me money to keep it open. I waited on hold for over 45 minutes with Citizens bank trying to cancel my account, only to be hung up on by their phone system without ever speaking to a human. Citizens website says I can only close my account by visiting a branch. There are no local citizens bank branches where I live, and traveling to the nearest city with one would be an inconvenience, and would cost me more than the value of the account. It is not reasonable to expect me to jump through many hoops to close an account that I didnt ask for or risk being charged fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Balance on XX/XX/XXXX - Original loan amount {$500.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan The bank continues to add this report back to my credit file over and over, which continues to bring my score down!

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 2022-06-28 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Balance on XX/XX/XXXX - Original loan amount {$500.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan The bank continues to add this report back to my credit file over and over, which continues to bring my score down!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Balance on XX/XX/XXXX - Original loan amount {$500.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan The bank continues to add this report back to my credit file over and over, which continues to bring my score down!

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 2022-06-28 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Unable to access account online to make a payment - website down for days. Tried making a payment via telephone and when you call the number, get a message that say " due to unforeseen circumstances we are closed '' and then you get disconnected. Payment was due XX/XX/2022 and I have been trying to make payment since the XXXX to no avail. I am concerned that if and when they get up and running late charges and interest will apply. I ALWAYS pay my balances- not just minimum, so I never have interest charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a venture x card by capitol one on XX/XX/22. I received an email stating that they needed a copy of my drivers license and a copy of my latest tax return. I uploaded them that day. I received a letter on XX/XX/XXXX reiterating the same information. I called the number provided on the letter to inquire what information they needed. I was told that because I am a stay at home mother that my husband would need to sign a notarized letter stating that he approved of my application. I couldnt believe that this was the case. I reached out to Capitol One on XXXX and they suggested I call the number on the letter again and speak with someone else. I did that, and was told that they needed the back of my drivers license which I provided, then said that I needed to show the name of the third party prparer of our tax return. I said that we had self prepared which was why there was no third party preparer. I got frustrated and asked to speak to a supervisor who when he got on told me that I was going to need the notarized document from my husband. I told him that I had provided proof of our household income but he insisted on having my husband 's notarized signature. We have a household income of XXXX. No mortgage or car loans and a credit score of XXXX. This is offensive and demeaning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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 Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
XXXX5 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

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

{$78.00} payment to progressive that shows a XXXX balance but hasn't been removed from the credit report. 
I would like this immediately wiped from my credit report. And if there is a fee for that I will pay it. 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 2022-06-28 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 Fair Credit Reporting Act XXXX Account # 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 Secton 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

{$78.00} payment to progressive that shows a XXXX balance but hasn't been removed from the credit report. 
I would like this immediately wiped from my credit report. And if there is a fee for that I will pay it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On XX/XX/2022 I went to check my statement on my XXXX XXXX XXXX, which is through Comenity Bank or Bread Financial. There was an error stating that they were delayed with scheduled maintenance and the online site should be back soon. I was able to make a payment that day, but it hasn't posted in my account statement from the account I paid it from. 
I went to check my statement again as my payment is due on XX/XX/2022. I wanted to schedule my payment and needed to check my statement to figure out how much to pay. The website is still down, and it wouldn't even allow me to log in like it did on Sunday. 
I have tried reaching out to customer service and their phone lines are off. Comenity is responding on social media just saying that regular maintenance is taking longer, but they never warned us that there would BE any maintenance. 

I bank with XXXX and XXXX XXXX as well and there's always notice before they do anything that would limit access to accounts. 

Cards are being declined, payments aren't being processed, customer service isn't even available ( which is the alternative for payments ), and the social media presence is repeating the same thing. I am worried that their security was breached and my safety and information is at risk. 

My job also measures my performance based on how many of these credit cards that I sign people up for, but I am not comfortable offering a service that is unsafe and unreliable. 

As of XXXX minutes ago, the service is still down and there is no way to make payments. Comenity states that they will waive late fees if your payment is due today XX/XX/2022 with the cut off for waiving fees being XX/XX/2022. With how long it has been since their services have been completely inaccessible, there is no guarantee that anyone will be able to access their accounts by then. 

This is despicable on their part, and there should be some consequences.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
My loan officer XXXX from guaranteed Rates approved me to purchase a XXXX XXXX failed To Due her diligence duty to her client to get the loan approved. The underwriter stated it was a miscalculated causing me to loss my new home And my earnest money. Now me and my kids or staying with relatives but my home I was staying in is no longer available. I feel like it was discrimination because it was always something just taking me threw different loops. This loan officer and company should not be allowed to treat clients and families like this, especially when you trust them with your life savings to get a home to end up with nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Good afternoon, Recently I have made several attempts to apply for the XXXX XXXX XXXX. According to XXXX 's Terms and Conditions, I am free to apply for this card as my account is in good standing. When I first applied for the card using my XXXX e-mail address, I was given the error that I already had a XXXX XXXX or XXXX XXXX linked to my account. This is not correct, and I am continuing to receive this error. My PayPal Extras Mastercard account that was present on this XXXX was closed and is no longer showing on my end. When I spoke with Synchrony, they confirmed that the account was closed as well. 

The few times I have spoken with XXXX ( recorded on their end per their company policy ), I was told that the issue was with Synchrony, as they can also confirm that there is no PayPal Mastercard or XXXX XXXX account present on the XXXX XXXX account. There is a XXXX XXXX product on my alternate XXXX account, the XXXX account, but this is a seperate account that should not come into play here as it is on a seperate XXXX account. To be clear, there is no active credit product present on the XXXX XXXX account, yet I receive the error even after changing devices, logging out, logging back in, and performing basic troubleshooting steps. 

At this point, I have spoken to both XXXX and Synchrony bank today and in prior dates. XXXX continuously pushes me back to Synchrony and Synchrony suggests that opening a new XXXX account is the only way to resolve this matter. This is not correct, and it is deceptive to display messages on my account and to my email address asking that I apply for this credit product to then tell me I am not eligible. On XXXX XXXX, there is a scrolling advertisement to apply for XXXX XXXX ; this is significant because it would not show on my account if I had an active Credit product already present, per XXXX 's original terms and conditions when I worked there XXXX years ago. For this ad to display, it confirms that XXXX shows that a Credit product is not active and it wishes for me to apply for XXXX. I am willing to, but only for the XXXX XXXX Mastercard that I am entitled to based on my XXXX account itself being in good standing and the Extras Mastercard account being closed. Thank you. Please let me know if there is anything I can do to assist in this investigation. 

At this point, this XXXX complaint is being filed against XXXX and Synchrony bank for their inability to use their own terms and conditions to allow me to obtain this card.

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 2022-06-28 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST

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 2022-06-28 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: TX

Complaint narrative:
Equifax removed this account from my credit report and keeps allowing a non-credit account on my credit report. This is a violation of the FCRA Act. XXXX and XXXX don't allow this to keep happening. This has had a direct impact on my family and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Hello, On XXXX I attempted to log onto my Comentiy Bank XXXX Credit Card account to make my payment due on XXXX. A message on the website indicated that there was a system update and we would be unable to access our accounts. No advanced notice of this outage was provided. As the day progressed the message was updated to : " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' As of XXXX I am still unable to access my account online and make a payment. To attempt to remedy this I called the customer service number provided and an automated message said that because of the system update they could not access or make changes to any accounts. 

As a consumer I am extremely concerned that they will try to hold me liable for late fees/charges because I am unable to pay or access my account. I would like to reiterate I have never missed a payment and would have happily paid prior to the due date had the bank informed us of this service interruption.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
{$500.00} past due have not paid it because am a victim of identity theft i have calls them but nothing was resolved i told them i was a victim of identity theft my phone number was used to open the account i did not give them my number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have state employees credit union reporting a charge off from XXXX and account closed. XXXX is continuing to report it as a late payment on my account even after sending me XXXX and charging it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MN

Complaint narrative:
Since XX/XX/2017 I have requested several times for documentation of any contract or written agreement containing my signature from XXXX XXXX of the alleged debt of {$170.00} they say I owe them, and their response is they have no documentation as the account is too old and was charged off. So XXXX XXXX sold this alleged debt to ERC collection company in XXXX, FL.. So I requested the same information from ERC collections and they don't have any and continue to report this alleged debt to the credit reporting agencies. What's funny is I am a customer still with XXXX XXXX which is now just XXXX XXXX  as XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # 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 consent.

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 2022-06-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
Started a construction-perm loan with Flagstar Bank in XXXX of this year and was working with a particular loan officer. We had a pre-approval letter based on income even though my wife was currently on worker 's compensation. Part of the loan requirements was for me to pay off the current mortgage on the property. I had several emails back and forth asking that everything was a go before paying off the current mortgage. Got confirmation to pay off mortgage, then everything went south. They replaced my loan officer due to loan processing errors and problems with her paperwork, which has been confirmed and stated to me multiple times. After this, they came back with a laundry list of more documentation that no one would be able to supply or satisfy. They eventually denied the construction loan, even though we were starting the permit process. I tried to reach out to a supervisor to get this handled quickly but no one seemed to be interested in fixing a mistake their employee caused. All I wanted was them to reinstate the original loan and we would regroup. But again, they don't seem to have an interest in returning phone calls or emails. They were deceptive in how they handled this loan application and have caused me to payoff a mortgage XXXX and a half years early.

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 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, i received XXXX letters dated XX/XX/XXXX, from my Wells Fargo Bank that as of XX/XX/XXXX, they are closing my accounts. I called the phone # on the letter and after an hour and a half hold, the lady that I talked to said " that she could not tell me the reason '' and " that it was a business decision on the part of Wells Fargo ''. I was very upset, so i went to the bank and talked to the Branch Manager of the XXXX, XXXX. branch, XXXX XXXX. He essentially said the same thing, but he did try to call the same # that I did, and was on hold forever. I am a XXXX XXXX XXXX man who has been with that bank for over 45 years, and have an outstanding history of banking with them, and have lived thru over 4 transitions of other banks buying out the others. I also have extremely good credit with all three credit firms and am still working full time for XXXX XXXX of 47 years next month. This is very upsetting as Wells Fargo will not tell me their reason for this and says in the letter that " all decisions are final ''. I am devistated to think that I have to start over with another bank, after all these years and excelent history. I am asking your help into this matter. Sincerely, 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