vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 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: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
My small business closed in early XXXX. About one year later, the bank account associated with my business was debited by a " Merchant Service. '' Initially, the debits were small, {$39.00} each month, they went unnoticed. Late XXXX, a debit for {$300.00} appeared on my statement which finally alerted me something was not right. I went to my bank ( XXXX XXXX ), explained that I suspected fraud on my account and requested that all activity be halted on the account. In XX/XX/XXXX, it became necessary to close the account altogether because the bank could not stop the debits as they were " contractual. '' I was informed that " Merchant Services '' was, in fact, a company named XXXX ; I did not have a contract with this company, nor did my small business when it was operating. I contacted XXXX immediately, by phone and email, numerous times. XXXX is a subsidiary of XXXX, which is part of Global Payments , Inc . In total, my business account was debited {$2500.00}. On XX/XX/XXXX, I was informed by XXXX XXXX, a customer service manager with XXXX that I would be awarded {$940.00}, " totaling 6 months of refunds as a goodwill gesture. '' Since his response email, Mr. XXXX has not returned my phone calls or subsequent emails, nor have I been refunded any of the fraudulent merchant service charges. In short, XXXX XXXX XXXX began debiting my business account nine months after my shop closed without a contract or agreement for a total amount of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This XXXX was fraudulently placed on my credit, i was added without my knowledge or permission to that account. I also called the company " XXXX XXXX '' and they didn't have my information listed on the account as well. I also gave " XXXX '' my information and this account was not 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 2021-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
They signed me up for a loan without my knowledge. I received an email stating I needed to confirm my identity to claim/confirm it. However- I NEVER contacted them or requested a loan from them. They seem to have put me through the process without my express permission. 

I did reach out for a 'pre-qualification ' at XXXX and XXXX XXXX auto navigator. The timing is suspect- I suspect someone is doing something less than legal/savory and passing on consumer information to people in order to get a finders fee from legit lenders like Avant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: CA

Complaint narrative:
American Express Credit card welcome offer not honored. 

I just got off the phone with American Express customer service inquiring about my welcome offer of XXXX XXXX XXXX points for signing up and they stated if I had ever signed up for a XXXX XXXX credit card in the past at anytime that I would not be eligible. However, the terms of the agreement show it's within the last 24 months only. I have already hit the spending requirements so there should be no issues. 

I tried to resolve this with AMEX and they mentioned they reserve the right to deny the welcome bonus for any reason and that I was not privy to the specific reasons why they are with holding the bonus. 

This feels like a bait and switch scam as they advertised a promotional welcome offer and had me sign up and pay a {$450.00} fee and spend {$5000.00} on the card then will not give me a real reason why they won't honor the welcome offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are two XXXX accounts on my Equifax credit report that are both more than 10 years old. I spoke with XXXX and they verified this information. I processed a dispute with Equifax and they verified the info and the accounts were closed over 10 years ago but did not delete them, they said because I did a dispute that change my date of last reporting to the date I disputed them so it would be another 10 years which makes no sense. They only appear on Equifax, they don't have any negative history and they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I applied for a personal loan for {$3500.00} to consolidate credit card debt. I just received an email stating that I was approved and to go in and sign the loan and then the declined me and I had multiple hits to my credit from them. How can I be approved and have an email saying that and then they change and decline it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I REQUESTED FROM ALL " CRA '' ON ABOUT XX/XX/2021 FOR UPDATE XXXX XXXX XXXX AND ITS BEEN OVER 45 DAYS HAVE NOT RECEIVED ... NOTE : SENT DISPUTE LETTER OF ID FRAUD ACCOUNTS AND UNDERAGE DURING TIME ACCOUNT OPENING ... '' NOT MY ACCOUNTS '' : " XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I REQUESTED FROM ALL " CRA '' ON ABOUT XX/XX/2021 FOR UPDATE ANNUAL CREDIT REPORT AND ITS BEEN OVER 45 DAYS HAVE NOT RECEIVED ... NOTE : SENT DISPUTE LETTER OF ID FRAUD ACCOUNTS AND UNDERAGE DURING TIME ACCOUNT OPENING ... '' NOT MY ACCOUNTS '' : " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
I received a debit card in my name at my address. This is a fraudulent account set up with my name, birthdate, and social security number. I was told the account couldn't be closed because my email address and phone number do not match what they have on file. I told them of course it doesn't it's a fraudulent account. I verified all of the government requirements. I was then told they were unable to close the account because I couldn't verify all of the information. This account was not opened by me and Chime Bank will not close it. They do not take care of these issues by phone either, they only will email for these situations. How is that secure and how can they open accounts with no verification of ID?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, My Names Are XXXX XXXX XXXX. 
I opened a PayPal account and was using it fine until one day, paypal decided to limit my account and demanded some documents. I provided the documents but I received an email later that my account will be limited for 180 days and that afterwards I'll receive an email on getting my funds ( {$300.00} ). 
180 days passed as stated and on XXXX XX/XX/2021, I received an email that my funds are eligible for withdrawal. This is when the problem started. 

I tried to link a XXXX XXXX account for withdrawal but it wasn't possible. I got an error " There's a problem with your account contact us to resolve this ''. I contacted them and on XX/XX/2021 and I got an email that I can now link my XXXX XXXX  account to transfer my funds. I tried again but this time I got an error " Sorry we can't link that bank because it is disabled. Please try a different bank ''. 

I contacted them about this but no valid response. I then tried linking my VISA card that I've been usually using to transfer funds from my PayPal in the past. This I received an error " There's a problem with your account contact us to resolve this ''. I called them about this again but no valid response. 

Therefore, I can neither link my bank nor card to initiate a transfer based on the email they sent on XX/XX/2021 about the availability of my money XXXX {$300.00} XXXX. Please help me get them to allow me link my VISA card or bank to be able to transfer my funds. My PayPal email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Today XX/XX/21 was the last day I spoke with Pen Fed about a lost reverse payment amount of {$7200.00} and after speaking with XXXX XXXX. XXXX XXXX they said Pen Fed needs to do an investigation of the lost check with XXXX XXXX and then XXXX XXXX would look into this matter. Then I called PenFed who said their Bank XXXX XXXX said I needed to tell XXXX XXXX to initiate sending documents about what they did with the reverse check. XXXX XXXX said PenFed needed to do this and PenFed said it was against their policy to do anything. I called XXXX XXXX back and after being placed on hold my phone was disconnected. I got the impression XXXX XXXX didn't want to help and just disconnected my phone from them. Both companies to me are really incompetent and don't know how to help their customers. I have been calling PenFed credit union and XXXX XXXX to no avail for XXXX weeks. Personally I believe both companies are incompetent. I really need help in getting PenFed to credit my {$7200.00} back. Both of these companies are just giving me the run around. Also, Pen Fed is not even giving me credit for this mistake and I have a {$5900.00} negative balance and they reported that I was overlimit to XXXX I want to make sure that PenFed does not impose any fees for this problem and they correct my credit report. Thanks for any assistance you can give me. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently had business a credit card account with Capital One, with an APR of XXXX %. Like many, our business suffered a significant decline during COVID19 and around XX/XX/2020, we reached out to Capital One to request an Coronavirus assistance they had available. The option we were offered was to accept a deferral of our monthly payment, which we opted for in order to buy us a little breathing room on monthly debts. Unfortunately, we misunderstood this particular program and thought it was similar to other programs where we were afforded XXXX months deferral. However this was only good for XXXX month and we were a day late in requesting an extension, which as we learned now is equivalent to " missing a payment '' in Captial One 's book. We continued in this deferral program until this month, when we reached out to discuss with the bank if there were any options to help us reduce the interest rate or find a plan to pay off the debts. While the deferral was helpful, it was just kicking the can down the road. At was at this point that we learned that our interest rate was not XXXX  %, but had been increased to XXXX  % because of missed payments. Even though we were in Coronavirus protection program from XXXX - XXXX, because there was XXXX times where we requested the extension a day late, we were hit with a Predatory interest rate, without ever being told. I am infuriated as I revisit this experience in typing this. How is this even legal? How are credit card companies, during a time of record low interest rates, allowed to legally charge customers interest rates of XXXX %? All the while without informing the customers of such a predatory rate increase. This is worse than most pay day loans. Capital One refused to even consider correcting the issue. They offered no assistance in finding a way to restructure the debt so that we can pay it off. NO, they only wanted to continue to allow me to defer my payments while continuing to tack on XXXX % interest on the balance every month. Capital One needs to be investigated for this practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The debt is {$730.00} from I.C. System, Inc. which was previously XXXX XXXX. The debt was created in XXXX. My birthday is XX/XX/XXXX. Therefore, it is impossible this debt is mine because I can not open a cable or internet account as a minor. They refuse to fix this and insist the debt is mine after Ive disputed it and called the company multiple times.

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 2021-04-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I tried to send them a letter last XX/XX/2020. Telling them that what they are reporting is in direct violation of the FCRA that says they are responsible for reporting complete and accurate information in a timely manner. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

JPMC HOME is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Had a medical bill of {$110.00}. Balance is {$0.00}. Never received a letter of payment. Have spoken to Transworld Systems Inc. ( TSI ), multiple times beginning ( recently ) on XX/XX/2021. 

I was told that yes I had paid, and then no I did not pay. I was told a letter confirming I had a zero balance was coming by fax and/or letter XXXX times. Then I was told no letter had been sent. Then I was told I would not receive a letter. 

I have been told Transworld did not report the event on my credit report ( see attached ). 

I have been transferred approximately XXXX times, disconnected, different conflicting statements by each person I communicate with. 

I have a XXXX balance, they XXXX saying a letter was sent, and then they said they wouldn't send the letter. In the middle of a question they put me on hold to shut me up. 

I just need a letter stating what their records show, that they were required to send but didn't. They've XXXX to me for weeks. I have no way of knowing if anything they say is true because their story keeps changing and they've XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are XXXX accounts on my credit report that do not belong to me I have not applied for these or signed or used these I disputed these with the bureaus starting XX/XX/2020 and opened an FTC for these accounts but nothing has been done to help me out in order to remove these from my account. 

XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX {$0.00} XXXX XXXX, N.A.- Acct # XXXX {$0.00}

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 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I am writing today in regards to my account with Loancare LLC account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught 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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear XXXX XXXX, On XX/XX/XXXX, I wrote to Equifax, XXXX XXXXXXXX, XXXX XXXX  XXXX to dispute the multiple hard pulls on my credit report while shopping for the best rate for a VA refinance of my home mortgage. These inquiries are required to be reported as a single inquiry. On XX/XX/XXXX, I received an unsigned response from Equifax, in triplicate, stating in capital letters : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Confirmation # XXXX Equifax suggested that I " XXXX contact the Consumer Financial Protection Bureau or ( my ) State Attorney General 's office about ( my ) issue ''. 

I shall send a certified letter, return receipt requested, to XXXX XXXX, our new California Attorney General as of XX/XX/XXXX, tomorrow. 

When should I expect a response from XXXX XXXX or CFPB staff? 

XXXX XXXX service-connected XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to Chase to open a savings account and deposit a cashiers check. The banker there asked me to set up direct deposit with my Social Security benefits and I declined. I said that I wanted to see how my account works and then decide months from now if I want to set up direct deposit. Im elderly and take time to communicate what I want. However the XXXX was very pushy and asked a lot of questions. I instructed the banker to give me paper statements and that I dont do anything online. The banker provided me with one piece of paper ... and a packet of disclosures. 

Once I returned home, I noticed that I wasnt given my account number or any information on my new savings account. A week later, I received notice from SSA saying that my Direct Deposit had been changed. 

I went back to Chase because I was upset that the banker didnt provide me my account information and had also went ahead and somehow set up direct deposit without my consent. I complained to the XXXX but she didnt seem to take my complaint as a complaint and sent me on my way after waiting for an hour to meet her. 

Later that day XXXX went back into looking at the paper I was given and noticed that the account information I was provided were for old accounts that had been closed. So I returned to the bank the next day ... waited again ... spoke to XXXX more people and finally received my account information. 

I feel that I wasnt treated well, I would say I was taken advantage of, and dont feel my information is safe at chase. Supposedly theyre going to investigate the original transaction, however I dont believe theyll actually do anything. This is definitely elder abuse and chasing sales.

Company response to consumer: Closed with explanation