vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Roughly 9 months ago, I received promotional advertising from JPMorgan Chase for a CD account with a relatively high interest rate ( if I remember correctly 2-3 % ) and I signed up for this promotional account and placed {$10000.00} in the account. 9 months passed and I did not touch the money. Then I received a letter in the mail AND an email from Chase saying that the 9 months account was coming to an end on XX/XX/XXXX. Instead of my funds returning my Chase savings account, the letter stated that the funds would automatically be placed in another CD account at a significantly lower interest rate ( if I remember correctly .01-.03 % ) if I took no action. Both the letter AND the email stated that I could " withdraw some or all of my funds '' out of the CD account by " visiting a branch '' OR calling a number. 

As of the writing of this complaint ( XX/XX/20 ), I have called Chase a total of 7 times and talked on the phone with many representatives for a total of ~2 hours and I still can not get my funds withdrawn from my CD account into my savings account. 

My simple request has been the same on every call : close the CD account and transfer all those funds into my Chase savings account. For some reason, the company says that they can not do it over the phone, despite their representations at sign up AND closure that they could. I only have 10 days from XX/XX/20 to close this account and I am currently away from my home. 

My request to the CFPB is the same, I would like to have my money located in the CD account transferred back into my savings account without any fees or charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed this account with EXPERIAN, XXXX AND XXXX and advised this account is not mines, this unknown account is with a collections agency. This account has yet to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX. EXPERIAN, XXXX  AND XXXX. This company has placed a debt that I have not been made aware of and have no knowledge of on my credit report. This debt in the amount of {$700.00} was placed on XX/XX/XXXX and this collections that does not belong to me and has ruined my credit and I requested for this to be removed from my credit reports. THIS IS NOT MY ACCOUNT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My phone was stolen and all of my information was compromised including my personal banking information. The person was able to transfer {$4500.00} electronically from my bank account to a third party company. The third party has no contact information so I then reached out to Bank of America multiple times with to initiate a claim and get updates. I was never notified about the status of my claim except for when it was denied and closed without any explanation. I not only had to continuously explain myself 10 different times to 10 different people but not one specialist that I spoke to can accurately tell me the proper protocol for a customer who is experiencing fraud on their account. I also learned that they did not accurately document anything that I told them even after the calls were monitored and recorded. I explained that I am in a situation where I can not move forward as far as maintaining my bills because I did not have the proper funds to do so.

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 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC does not allow 3rd oarty access to my account which XXXX have given permission to..like trade and investment apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation
State: SC

Complaint narrative:
The collection agency is Regional. I was not informed of this debt until it showed up on my credit report. I was not given a notice of chance to dispute the account or the amount that its stated I owe. I have disputed with the credit agencies and collection agency and still have not been sent information about the debt and that it is mine and what is owed on it. This is reporting to my credit and it is hurting me and they are not providing me with the information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi I was charge {$200.00} for item that i never ordered or received.. and my credit card company said they investigated and sided with the person that stole my card or identity ... I am mad as XXXX .... the agent should be fired from capital one.. he don't know what he's doing or has experience he just sides with the other side.. I am mad ... I WANT this removed from my credit card bill {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CO

Complaint narrative:
One particular issue is that I have disputed that my auto loan with XXXX XXXX XXXX XXXX account number ending in XXXX was supposed to be in good standing with no missed payments. Please see attached letter from XXXX XXXX XXXX XXXX. Which is just one of the issues I have with them for not making sure my credit reports are accurate when Im constantly calling and even speaking with supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed this account with XXXX, XXXX AND TRANSUNION and advised this account is not mines, this unknown account is with a collections agency. This account has yet to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX. XXXX, XXXX AND TRANSUNION. This company has placed a debt that I have not been made aware of and have no knowledge of on my credit report. This debt in the amount of {$700.00} was placed on XX/XX/XXXX and this collections that does not belong to me and has ruined my credit and I requested for this to be removed from my credit reports. THIS IS NOT MY ACCOUNT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed this account with XXXX, EQUIFAX AND XXXX  and advised this account is not mines, this unknown account is with a collections agency. This account has yet to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX. XXXX, EQUIFAX AND XXXX. This company has placed a debt that I have not been made aware of and have no knowledge of on my credit report. This debt in the amount of {$700.00} was placed on XX/XX/XXXX and this collections that does not belong to me and has ruined my credit and I requested for this to be removed from my credit reports. THIS IS NOT MY ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hello, Today, XX/XX/2020 at approximately XXXX XXXX  I opened up my XXXX XXXX XXXX and my PNC debit card was unlinked, preventing me from withdrawing money from said card to put into my investments in XXXX. As I attempted several times to relink my card by providing my PNC account information into the app, the following message kept appearing : PNC HAS MADE A CHANGE THAT PREVENTS YOU FROM BEING ABLE TO LINK YOUR ACCOUNTS. FILE A COMPLAINT WITH THE CFPB. THE CONSUMER FINANCIAL PROTECTION BUREAU MAKES SURE BANKS, AND OTHER FINANCIAL COMPANIES TREAT YOU FAIRLY. YOU CAN ALERT PNC THAT YOU NEED ACCESS TO YOUR FINANCIAL DATA BY FILING A COMPLAINT WITH THE CFPB. 

Assistance is greatly appreciated. 

Warmly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CO

Complaint narrative:
One particular issue is that I have disputed that my auto loan with XXXX XXXX XXXX XXXX account number ending in XXXX was supposed to be in good standing with no missed payments. Please see attached letter from XXXX XXXX XXXX XXXX. Which is just one of the issues I have with them for not making sure my credit reports are accurate when Im constantly calling and even speaking with supervisors.

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 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I booked a room reservation via XXXX for XX/XX/XXXX using my Citicard XXXX. Due to the pandemic, I notified Citicard on XX/XX/XXXX to dispute charges and cancelled my booking for the reservation # XXXX at XXXX. On XX/XX/XXXX XXXX informed me that they made a mistake on the cancellation and offered me a voucher. Since XX/XX/XXXX I have tried to contact both XXXX and Citicard to resolve the issue as I was being charged interest on the booking charge. 
OnXXXX  I finally got through to a human at XXXX and they are " reviewing the case '' and assigned # XXXX and told me it would take up to 4 weeks to resolve. 

On XX/XX/XXXX I finally got through to a human at Citicard and they refused to credit the interest charges on the {$120.00} charge. 

As of XX/XX/XXXX the interest charges for the cancelled reservation amount to {$73.00}

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 monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/2020, I tried to re-link my PNC bank account to XXXX, a money saving service. I got a message that PNC has blocked accounts from being able to connect to XXXX. I have saved with XXXX  for years and am very upset that pnc would block what I can do with MY own bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We had an appointment to close on our Refinancing on XX/XX/2020, but due to the covid19 we were afraid to meet Notary in a public place. ( My husband has a XXXX XXXX ) So the only day we could close was the XX/XX/2020 at our home. Freedom Mortgage ( my current lender at the time ) was suppose to be paid-off from XXXX ( new Lender ) They did not get their payoff until the XX/XX/XXXX. The Mortgage companies blame each other and myself. Freedom Mortgage reported to Credit Bureau that I had a late/ or missed XXXX payment. This really dropped my score, lowered one of my credit limits and I could not return my leased vehicle to get another one. I am a XXXX XXXX XXXX Veteran with XXXX  difficulties and I did not understand about this payoff system. I was told by XXXX XXXX XXXX not to pay XXXX and XXXX payments because it's to be paid off. Please Help Me. This was not my doing, my credit is all messed up and I am very XXXX. Can you PLEASE REMOVE this late/missed payment from my credit report?? Thank you, 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 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
I have complained a lot with XXXX  about all those inquires on my report that I didnt do and lately I havent been able to reach them. Ive written letters time after time and 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 2020-06-11 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have called citi cards several times and was transferred to the fraud department and they hang up in my face.

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 2020-06-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third Bank inherited my account from MB Financial Bank. 
They have had my accounts for over a year. A few months ago they started charging me fees that were not being charged by MB Financua Bank. They didn't have my permission, nor were they able to explain exactly how the fees were applied, just said due to my EFTs. They credited me several times and have changed my account to a {$35.00} a month fee which was supposed to stop any additional fees. This was promissed 3 months ago, yet I receive new fees evry month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: IL

Complaint narrative:
I disputed an account that was fraudulently opened with XXXX XXXX that is being actively collected by Ad Astra Recovery Services collection agency. Ad Astra Recovery Services is negatively reporting an amount of {$2400.00} that I do not owe on my credit report. I have contacted XXXX XXXX and was advised the amount is no longer owed. Ad Astra Recovery Services are still attempting to collect a debt that is not owed. This company is violating the Fair Reporting Act by reporting inaccurate information that has not been verified. This company needs to be held accountable as Im sure Im not the only consumer affected by this negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I had a loan about 15-20 years ago, at the time my husband was deemed XXXX due to XXXX and XXXX XXXX. I communicated with them and told them I am no longer working and I was about to lose everything, these people have contacted me in the last few days about this debt, I kept getting emails that someone was pulling my credit ... well turns out it was them ... they were pulling my credit every 30 days to get information.I didn't give them permission to pull my credit. If that is the case, how easy it for anyone to steal my information and pull my credit and put things in my name. I am still battling with my husband and I have no income, we are staying with family to make ends meet and I have to deal with this ... even if I wanted to start over I can, they pull my credit every 30 days! MY SCORE IS in the LOW 400s now! WHO is going to give me anything!!!

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 2020-06-11 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: WI

Complaint narrative:
XX/XX/2019 I found out my identity was stolen. I filed a report with the FTC and with the police department. I mailed all the paperwork to Experian and they refused to remove the information. They still have the fraudulent items on my credit report. I have requested multiple times for the items to be removed. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH Also there are 18 inquiries that were not authorized by me and they have refused to remove them. 

There is also a Bankruptcy they have refused to remove that does not belong to me.

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 2020-06-11 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: TN

Complaint narrative:
On XX/XX/2019, I learned from a credit monitoring service that someone opened more than one fraudlent account, the most germane for this complaint was XXXX XXXX XXXX  ( " XXXX  XXXX '' ). I contacted XXXX XXXX by phone, and notified them of the fraud. On XX/XX/2019, XXXX XXXX sent me a letter asking to speak with me me about the fraudulent credit card opened in my name. 

I received another letter dated the same date notifying me they coundl not find any record of the inquiry. However, the hard inquiry remained on my credit with the 3 main credit reporting bureaus. 

I again contacted XXXX XXXX and reminded them that the account and the hard inquiry was a result of fraud, and requested they look into it. XXXX XXXX DID find the inquiry, and sent notices to the 3 main credit reporting bureaus asking them to remove the inquiry. XXXX XXXX did follow up, and all but EQUIFAX removed the hard inquiries. I attempted to deal with EQUIFAX on numerous occasions, speaking with heavily accented foreigners who told me that the fraudulent inquiries were a " scar '' and can not be removed. at the same time, certain other calls resulted in claims they would remove the inquiry AS OF THIS DATE, EQUIFAX HAS NOT. I have submitted repeated efforts at filing disputes with NO ABILITY to attach the documents I have attached here. 

EQUIFAX  also tells me to get XXXX XXXX to request the inquiry be removed. XXXX XXXX has done that, and notified me that they can not get EQUIFAX to comply. AS A RESULT I HAVE PLACED A FREEZE ON MY CREDIT, WHICH MAKES DIFFICULT FOR ME TO BEGIN TO REPAIR THE DAMAGE This is my second complaint. Equifax claims to have sent me a response to this issue, but that us false. What they sent me was a completely different matter that had nothing to di with this XXXX XXXX fraudulent hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I had got a title loan from title bucks. Because if the COVID 19 pandemic I was late on payments but I since have paid XXXX on XX/XX/2020 and XXXX on XX/XX/2020. Which was what was agreed on by corporate and myself to get my where Im caught up. Now after I pay they said because I payed it on the app it didnt credit me for paying it the right way so they will set me up to call them next week and I dont think its fair that because there system didnt process my payment correctly that I should be subject to pay more when I cant afford it until 30 days. And they are telling me that I will need to sign a new contract and that way I will never get it paid off cause all I paid was XXXX towards interest which I didnt know that. I dont know what to do but I cant afford to pay on my car like this. Also they sent out a repo service and the man went in my vehicle and XXXX it and when I called the next morning to the title company and asked them who authorized someone to come repo my car and disable it. The manager is who I spoke to and she insisted for me to call the police because she didnt authorize any repo and I asked her did anyone in the office put my car out for repo and she said no that no one did and all of a sudden about 20 minutes later the repo guy shows up and tells me that title bucks did put a repo order out for my car but he was coming to fix my car cause I was unable to drive it and he tells me to pay my car note. So the manager lied to me and now I dont trust anything they tell me and Im worried Ill end up losing my car. Please help

Company response to consumer: Closed with explanation