vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have the Chase Sapphire Reserve credit card, and one of the benefit of this card is trip delay reimbursement for up to {$500.00} per passenger for trips paid by the XXXX card. 

On XX/XX/XXXX, my husband and I were supposed to board a plane from XXXX to XXXX, XXXX, but the flight was delayed to the next day. This delay forced us to book last minute accommodations in XXXX on a Friday night, incurring {$860.00} USD. 

I immediately filed a trip delay reimbursement claim on XX/XX/XXXX through eclaimsline.com, the third party vendor that Chase uses. On XX/XX/XXXX, I was told that the documentations I had submitted were all accepted, and that my claim was in the final stages of being approved and paid out. 

However, it is now XX/XX/XXXX, and I have not received my payout. I called eclaimsline.com on XX/XX/XXXX to request a status update. The representative said she would schedule a claims adjuster to call me directly. By XX/XX/XXXX, I have not received any calls and so I called XXXX back. This time, the representative said he was scheduling a call from the claims adjuster for XX/XX/XXXX, but also stated that " due to high claim volume, the adjuster will most likely not call on XX/XX/XXXX. '' I expect that I will have to call XXXX again next week to inquire about my case status. 

The annual fee for the Chase Sapphire Reserve is {$550.00}. The reason I have been willing to pay such a high fee was because of the card 's travel benefits, like the trip delay reimbursement, and the customer service that comes along with the benefits. However, I have not received any of the benefits or customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
About 1 month ago I visited my TD Bank branch in XXXX, NJ to close my account. I was told it could only be done if the balance was XXXX. I withdrew all my money to bring the account to zero. Then I was told that there was a transaction pending and they could not close the account. Then I noticed the transaction went through with an added {$35.00} overdraft fee. I paid the amount to being the account to zero, but the account still was not closed. Other charges came through, each with the added overdraft fees. Im traveling, so I made a transfer from my new account with another bank and my husband went to the branch in person to pay any additional charges and close the account. They promised the account would be closed within 24 hrs. Today I checked and the account is not only not closed but Im again overdrawn nearly {$800.00}. I cant get rid of the account and they keep legally extorting fees from me. I dont know what else to do. Im trying to organize payments from the new account, but I cant afford double payments nor to continue to pay TD for a situation they created and are profiting from. I consider these new charges to an account that should have been closed to be unauthorized and fraudulent. Can you please help to get the account closed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have audio recording from managers stating my information is not in their system. ( Their is no reinstallment contract ) They have no original signatures of mine. 

I have recently sent an affidavit to XXXX XXXX XXXX on XX/XX/2023, but despite waiting for 30 days, I have not received any response from them. I made attempts to contact them earlier to confirm if they had received my mail, but I was informed that I could not speak with them without legal representation. As per my understanding, an unrebutted affidavit stands as truth, and now that it has been 31 days with no communication from the company, the matter is still unresolved. 


I am determined to pursue the claims mentioned in my affidavit, and I am looking for guidance on how to take legal action against the company if they continue to avoid resolving the matter. It is imperative for me to seek a resolution to this issue promptly, and I am willing to take all necessary steps to achieve that.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have audio recording from managers stating my information is not in their system. ( Their is no reinstallment contract ) They have no original signatures of mine. 

I have recently sent an affidavit to XXXX XXXX XXXX on XX/XX/2023, but despite waiting for 30 days, I have not received any response from them. I made attempts to contact them earlier to confirm if they had received my mail, but I was informed that I could not speak with them without legal representation. As per my understanding, an unrebutted affidavit stands as truth, and now that it has been 31 days with no communication from the company, the matter is still unresolved. 


I am determined to pursue the claims mentioned in my affidavit, and I am looking for guidance on how to take legal action against the company if they continue to avoid resolving the matter. It is imperative for me to seek a resolution to this issue promptly, and I am willing to take all necessary steps to achieve that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have audio recording from managers stating my information is not in their system. ( Their is no reinstallment contract ) They have no original signatures of mine. 

I have recently sent an affidavit to XXXX XXXX XXXX on XX/XX/2023, but despite waiting for 30 days, I have not received any response from them. I made attempts to contact them earlier to confirm if they had received my mail, but I was informed that I could not speak with them without legal representation. As per my understanding, an unrebutted affidavit stands as truth, and now that it has been 31 days with no communication from the company, the matter is still unresolved. 


I am determined to pursue the claims mentioned in my affidavit, and I am looking for guidance on how to take legal action against the company if they continue to avoid resolving the matter. It is imperative for me to seek a resolution to this issue promptly, and I am willing to take all necessary steps to achieve that.

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In late XX/XX/2022 I completed the requirements to achieve " Titanium Status '' through my American Express XXXX card and XXXX XXXX  Account ( XXXX ). When achieving XXXX XXXX the member is entitled to a selection of rewards that includes a free night and some other options which are of objectively lower value. The member is unable to select the benefit until receiving a notice from XXXX. I checked for this notice as well as inside the app daily from the time I completed the requirements but no selection was possible. In XXXX I received a notice from XXXX informing me that I have selected " 5 suite nights ''. This is a worthless benefit of no value to titanium members because titanium members are always entitled to free upgrades to a suite when available. When I complained numerous times about this no action was taken to correct the problem. 

To be clear I did not make or approve any " automatic selection '' I did not receive any notice to make a selection and when I checked the XXXX website and the XXXX  app daily no opportunity to select an award was available. 

This card carries an extremely high annual fee of {$650.00} and is not acceptable to allow XXXX to cheat the card holders out of the rightfully earned benefits. 

I also have a friend holding the same card who received the exact same treatment from XXXX XXXX and Amex. This is a fraudulent bait and switch on the benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I spent 2 hours on the phone with navy federal trying resolve a deduction from my account and supervisor after supervisor said I was wrong and made me feel like I was stupid and didnt know what I was talking about. It was only after the 3rd attempt that the supervisor saw the error and even then he threatened to hang up on me. If I wasnt persistent they would have taken my money. Im 5 month pregnant and the whole incident created undue stress

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have asked them, repeatedly to stop calling, and to communicate to me in writing- via mail. They continue to call at least twice a day, and these calls/voice messages include threats regarding contacting my employer. While that is within their rights, the way they do it is in an attempt to scare, rather than to inform. I responded to an email with a pdf of a letter telling them to stop calling, and with instructions on how they can contact me. I also mailed that letter to them directly. They are still calling repeatedly. I have also been yelled at repeatedly, and asked inappropriate questions by several of their agents when I have asked them to stop calling. 

I have asked that they contact me via certified US mail only. 

I paid Navient more than $ XXXX of the $ XXXX that I borrowed. I somehow owe them more than $ XXXX. More than I borrowed over a decade ago. I have made a good faith effort to pay the loans, but refuse to pay more than double. I will pay up to XXXX to resolve the account. They can communicate with me via certified US mail only, or they can submit my account to collections or sue me, or we can settle. However they choose to proceed, they can let me know via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CLGF Holdco 1, LLC
State: ME

Complaint narrative:
XXXX XXXX, XXXX, notices account status is reporting as " transferred ''. This is incomplete information, as the account was updated after discharge, and should reflect as such. I was informed by creditor they were still attempting to collect a debt, which is impossible, since this account was discharged in XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: NJ

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit bureaus for failing to properly investigate fraud on my credit report. I have been a victim of identity theft and tax fraud and have submitted multiple complaints to the credit bureaus to remove the fraudulent accounts from my credit report. However, to my disappointment, the credit bureaus have failed to remove these accounts from my report. 

The fraudulent accounts that remain on my credit report include XXXXXXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX with a balance of {$14000.00}, and XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$530.00}. In addition, there is another fraudulent account that has not been removed from my credit report. The account is with XXXX XXXX account number XXXX, opened on XX/XX/XXXX, with a balance of {$1500.00}. 

I have repeatedly requested the credit bureaus to remove these accounts, but they have not taken any action, causing significant harm to my credit standing and financial well-being. 

I am seeking the assistance of the CFPB to resolve this issue and request that the credit bureaus take immediate action to remove these fraudulent accounts from my credit report. Thank you for your time and attention to this matter.

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 2023-04-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit bureaus for failing to properly investigate fraud on my credit report. I have been a victim of identity theft and tax fraud and have submitted multiple complaints to the credit bureaus to remove the fraudulent accounts from my credit report. However, to my disappointment, the credit bureaus have failed to remove these accounts from my report. 

The fraudulent accounts that remain on my credit report include XXXXXXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX with a balance of {$14000.00}, and XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$530.00}. In addition, there is another fraudulent account that has not been removed from my credit report. The account is with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$1500.00}. 

I have repeatedly requested the credit bureaus to remove these accounts, but they have not taken any action, causing significant harm to my credit standing and financial well-being. 

I am seeking the assistance of the CFPB to resolve this issue and request that the credit bureaus take immediate action to remove these fraudulent accounts from my credit report. Thank you for your time and attention to this matter.

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 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Speedy Cash keeps calling me after XXXX at night about a debt they have failed to verify. I have sent multiple emails asking them to verify the debt which they have also failed to do. Last nights call XX/XX/23 was at XXXX and I was in the bed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One credit card number XXXX on XXXX, XXXX and XXXX I made three separates online payments of {$3000.00} each using my business ' bank account XXXX XXXX XXXX XXXX XXXX Capital One chose to credit only two payment XXXX and XXXX XX/XX/XXXX, avoiding credited the payment made on XX/XX/XXXX I have addressed this issue directly to Capital One in several occasions and they continue the abuse. I have filed two complaints with CFPB and Capital One have made fun of it. 
Capital One answer is that XX/XX/XXXX and XX/XX/XXXX, credit was made for the payment and choose to ignore the payment dated XX/XX/XXXX. 
Since then, I have made interest payment, as my {$3000.00} was not credited. 
I am attaching as evidence a copy of Electronic Fund Transfer Report from XX/XX/XXXX, to XX/XX/XXXX from XXXX XXXXXXXX XXXX 
I am requesting CFPB to open an investigation and sanction Capital One for abuse of client. 
I am requesting that Capital One credit my account with the {$3000.00} payment that I made on XX/XX/XXXX and reimbursement me for the interest payment they made doing the client abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: Affirm Holdings, Inc
State: MA

Complaint narrative:
My affirm account is still showing in collections that I have a balance owed and the balance is currently paid in full. Ive disputed this 2 times and uploaded confirmation of payment showing my account is paid and full and everyone the dispute results come back there are no changes. 

I paid XXXX  credit card off, I have proof of payment and they will not update my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My email address seems to have been compromised : XXXX. 

Last night at XXXXXXXX XXXX I received emails from Bank of America referencing an online account sign up. Account confirmation verficiation emails appear to have been opened since I received further emails welcoming me to the bank. 
I then receieved another email around XXXX XXXX this morning showing the denial of an account application under the name XXXX. My name is not XXXX and I did not file an application. 
( Note, I have received a multiple emails over the past few years under the name XXXX signing up for various websites. ) My name is XXXX XXXX and I did not use my email address to attemp to open this account. I am filing this complaint since this person is using my email address to attempt to open a bank account. 
I spoke with Bank of America and they confirmed with me that XXXX did not use personally identifiable information like my SSN for the application, though I am still concerned they were able to sign up and apply through using my email. 
My XXXX password has been changed 3 days ago, and for some reason this person still has access to my information. 
2 weeks ago I experienced fraud on my XXXX account where someone had used reward points to order dinner in Oregon. I live in New Jersey and did not authorize this. I will be filing a complaint with this FTC on this matter. However I believe these incidents may be related and this " XXXX '' should be investigated. 
I will be no longer signing up for new accounts with my XXXX email and plan to delete the account after backing up my data. 

Please let me know if you need any further information from me and if you are able to identify this person and how they have access to my XXXX account even after changing my password and having 2 step verification enabled. 

I have attached the emails from Bank of America which I did not authorize, as well as past emails I was able to find referencing the name XXXX. There were more emails in the past starting around XXXX but I am not able to find them.

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 2023-04-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2023-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: MN

Complaint narrative:
Received email and phone call from ServiceMac mortgage company. XXXX ( id XXXX ) phone XXXX requested mortgage payment info from past due account. He wanted me to mail my late payment to XXXX XXXX XXXX XXXX, GA XXXX. 

I reported the Spam to my email provider. I am very concerned that the person new my address and requested my Social Security number. I discontinued the call and called my current mortgage company to verify my payment was not late.

Company response to consumer: Closed with explanation