vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/2023, I logged onto my Amazon XXXX  account to make family purchases for items we needed. At first, I got the notice to update my credit card and I didn't think anything of it and paid with the one on file, which is my Chase Credit Card for Amazon XXXX. 

A few minutes later, I received an email that my card was declined. So, I log into my account and review what's going on. I see the account is closed. Perplexed, I called in to inquire why. I've always maintained a good standing with my credit card account. I pay it monthly and rarely let the balance get too high. I loved this credit card as I enjoyed a healthy 5 % off all my purchases, the primary reason why I got the card. I didn't even know they canceled my card until I called in. They didn't even take proactive measures to communicate that they closed my credit card account. 

After connecting through to a specialized customer service representative, I'm told " The Bank decided to close your account yesterday. For your privacy, I am not notified why. '' I inquired why, how, and where the notification was. I'm then told, " They closed it yesterday and they sent you a letter in the mail yesterday. It should arrive in 7-10 business days. '' How can this be so? I was in good standing and always paid my bills, and yet they closed my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
My direct deposit for XX/XX/XXXX still hasnt been processed. The deposit amount was {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
THE MORTGAGE COMPANY PHH KEPT SAYING I DIDN'T HAVE HOMEOWNERS INSURANCE! I THEN CALLED MY INSURANCE COMPANY XXXX YEARS AGO TO PROVIDE DOCUMENTATION. THIS COMPANY XXXX XXXX XXXX  ) THEN TRIED AND INFORMED ME THEY PROVIDED INFORMATION TO THEIR BROKER! PHH CONTRACTED WITH A COMPANY FROM XXXX OR XXXX AND EVERYONE AT INSURANCE ( XXXX XXXX ), ( MYSELF ), ( AND MY AGENT ) HAD DIFFICULTY COMMUNICATING WITH INCLUDING MYSELF! IT WAS IMPOSSIBLE! THIS TOOK A YEAR TO DISCOVER! NOTHING COULD BE ACCOMPLISHED UNTIL THREATS AND LANGUAGE WERE MADE! PHH THEN WITHOUT MY CONSENT REWORKED MY MORGAGE. THEY CLAIMED I MISSED PAYMENTS! I'VE RECENTLY PROVIDED DOCUMENTATION TO THEM AND NOW YOU! I FEEL THEIR CORRUPT INSURANCE SCAMS ARE ILLEGAL! THIS IS CORRUPT! I AM PROVIDING YOU WITH THE LAST 10 MONTHS OF PAYMENT INFO!

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have accounts on my credit report with XXXX, XXXX, and Equifax that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I try to " Convert Rewards '' over CapitalOne 's website, they try to do a verification with my phone number. Every time their website gives an error saying " We can not verify your phone number '' or " Sorry, we can not match that number to your name ''. I have this number on my name since XXXX  and it is with XXXX. This phone verification is the only option to " Convert Rewards '' to one of their third party partners ( XXXX XXXX XXXX ). They can not do this over phone and they do not provide any alternative verification options on their website. I called their support line multiple times over the week since XX/XX/XXXX and spoke with multiple agents. Nobody was able to solve my issue. They say they are working with a third part service and can not do anything about this. I bought this CapitalOne XXXX card only for this reason, and they are blocking me from using all the miles I had saved so far. I believe this is false advertisement and discrimination since other people can easily " Convert Rewards '' with their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX check was stolen from my account that Bank of America deposited the funds into their bank. As soon as the funds were deposited, they were withdrawn. I sent Bank of America a copy of my drivers license. To show whoever stole my funds from my Bank of America debit card wasnt me. This is the second time that this has happened. It seems like Retaliation I used to work for Bank of America and they fired me have a XXXX. So I filed a complaint against them. And this is the second time they start taking my money from my account. Last time it took XXXX months for them to refund my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I used XXXX XXXX to transfer XXXX dollars to my own personal checking account. Somehow it was transferred to an old closed account that was removed from my bank accounts. I had no knowledge of this account even existing. For a week I have been calling Chase Bank and XXXX XXXX to figure out where my XXXX dollars went. Chase confirmed it was sent back to XXXX XXXX because the account ending in XXXX was CLOSED. I have documentation of them confirming it was sent back. XXXX said it was never sent back. I called today XX/XX/23 at XXXX PM and was finally able to learn it was in fact deposited into the CLOSED account and they will not return the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I kindly request the Citi Dispute Team to reopen Cases XXXX and XXXX against XXXX XXXX XXXX, involving amounts of {$1000.00} and {$3500.00}, respectively. I have submitted a comprehensive email thread with the company that underscores their failure to fulfill the agreed-upon delivery timeline and their subsequent agreement to cancel the contract and refund the fees due to their inability to provide the promised service. 

XXXX XXXX XXXX failed to set up the account within the stipulated 10-day period, resorting to providing fake leads to feign progress. When I inquired about the lack of leads, they offered a series of excuses, from improper account setup to issues with XXXX XXXX. Throughout this process, their conduct was marked by a lack of transparency and professionalism. The owner 's behavior and attitude further compounded the problem, making it apparent that they may not honor their refund commitment as promised. This was the primary reason for initiating a dispute through Citi. 

Despite supplying Citi with extensive evidence in the form of screenshots illustrating my ongoing attempts to engage with the company in pursuit of the contracted deliverables, Citi closed the case without explanation and without processing my refund. The company, in turn, failed to produce any credible evidence to counter my claims or demonstrate the delivery of any product or service as per the contract. I reiterate that I have received nothing in accordance with the terms of our agreement. 

I respectfully request that Citi promptly reopen these cases and thoroughly examine the provided information, which should lead to a just resolution in my favor, entailing the reimbursement of the {$4500.00} wrongfully charged by XXXX XXXX. To compound matters, the company has not canceled their services, and I continue to be charged for XXXX XXXX, which I am disputing with Citi as well. It is evident that I am being billed for services that have not been delivered. I hope this information is sufficient to prompt Citi to take appropriate action.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had got XXXX  XXXX and miss a few payments and loss my job dis is a loan like a savings account dat u pay too help u rebuild credit not too hurt ur credit it show a late payment on my credit file and it's hurting me rite now

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my credit report. I never authorized the listed items and therefore them reporting on my credit constitutes a violation of my consumer rights to privacy.

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 2023-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am writing to formally file a complaint against Transworld System Inc, a collection agency, regarding their unethical and damaging debt collection practices. I believe that these practices are not only harmful to my financial well-being but also raise concerns about the legitimacy of the debt being collected. 

Firstly, I am deeply concerned about Transworld System Inc 's practice of splitting one account into two separate collections. This action not only confuses the issue but also has a detrimental impact on my credit history. I have observed that they have divided the debt associated with my apartment lease into two separate accounts, without any reasonable explanation or justification. This appears to be a deliberate strategy aimed at causing further damage to my credit report, which is not only unfair but also a violation of my rights as a consumer. 

Secondly, I have serious reservations about the accuracy and fairness of the debt being collected in the first place. The original creditor, my landlord, is apparently adding unfair charges to the debt, including excessive rent charges and unjust tax charges. It is crucial to address these concerns as these additional charges appear to be arbitrary and unsubstantiated. I have the right to request validation of these charges and their compliance with relevant legal and contractual obligations. 

Finally, I have to point out that my lease agreement was between me and XXXX XXXX XXXX, not with XXXX XXXX. I believe that both companies are different, and if they are indeed different, this collection should not exist The kind of actions and behavior exhibited by the collection agency are intended to compel me to pay an unfair balance. Actions such as splitting one account into two prevent me from renting a new apartment, and this kind of conduct could lead to homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX. And 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 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 explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX. And 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 instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
Hello, I was a newbie investor and lost over XXXX with robinhood. You guys closed my account without any reason. I know my bank declined some deposits and I have fixed that issue and have been studying stocks over the past year so I dont make the same mistakes over and over again. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I have sent rounds of letters to experian to request them a investigation about two inquires that are not related with me that should be deleted but they did not take any action about my request.

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 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: KY

Complaint narrative:
On XXXX I reached out to EdFinancial Servicing to find out why my payments were suddenly {$570.00} per month. I was informed I Had been put into the SAVE program, which I did not authorize. I was informed by a representative that I could be moved into an income based plan where my payments would be around XXXX per month, which was fine. I was told it would take 31 days to move, but I would be fine before payments were required to start. I was read all the scripting for the changes that is required and agreed to this change. 

I followed up multiple times and was told this was in process. The changes NEVER HAPPENED. It took me calling in to find out the actual time frame was 45 business days and not 31 business days. I called back and requested a Supervisor to call me back, because this was unacceptable that my account was still showing this high amount ( that is NOT A SAVINGS!!! ). I was told I would recieve a call back within 24 hours. 

72 hours later on XX/XX/23, I finally received a call back from a Supervisor who informed me that all of the representatives I had talked to previously about my account had provided me incorrect information, and my change approval was never submitted correctly and was still in processing and in fact, could not be processed. I was told I had to resubmit all of the information all over again, and get a new update for a completely different amount - around XXXX which as nearly XXXX more than what I had previously been told. I was also told this change would take 19 MORE days on top of the 50 days I have already waited. In the meantime I am recieving late notices, delinquincy notices and my account shows a balance due. 

In addtiional, I requested letters detailing the incorect information, the correct information and a payment notice with the updated information, which I have not received. 

To date, it has been 11 days, there has been no follow up communication, no letters as requested, no updated payment information and no changes to my account. I previously submitted a complaint, but this change was worth a second complaint with updated information due to the gross negligence by EdFinancial Servicing. I should have been told that the previously agreed upon payment schedule was incorrect and not possible. 

In addition, the Supervisor I spoke with said that due to the payment pause during COVID, that I was not eligible for lower payments because of 3 years that no payments were due counted towards the timespan of a loan. I am being punished for payment pauses, which seems both illegal and incorect. The Supervisor on several occasions attempted to get me to consolidate my loan which would have made me ineligible for other benefits in the future. This seemed extremely focused on providing a service that he would get monetary compensation for instead of actually trying to solve my problem,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX account with TransUnion is inaccurate on my report. I've never rented an apartment at XXXX XXXX XXXX due to me stationed at XXXX XXXXXXXX XXXX XXXX at the time of incident. This account is inaccurate and should not be on my report, please remove immediately! 

XXXX XXXX account with TransUnion is inaccurate on my report. I've never had a credit card account with XXXX XXXX and never opened an account with them on XX/XX/. This account is inaccurate and should not be on my report, please remove immediately! 

XXXX XXXX account with XXXX is inaccurate on my report. I've never had a credit card account with XXXX XXXX and never opened an account with them on XX/XX/. This account is inaccurate and should not be on my report, please remove immediately!

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