vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I renewed a CD online on XX/XX/2020. On XX/XX/2020, I received an e-mail from the bank saying that a Notice of Renewal letter was available for me to view. I logged in online. However, under the Notices and Letters, under the Select an Account dropdown list, I only found four choices-one Checking, one Savings, one CD and one Visa account. I have 5 accounts including two CDs with the bank. The CD I just renewed is missing. Hence I could not access the Notice of Renewal letter. This particular CD was in the dropdown list before I renewed the CD. About a month ago, I downloaded the Notice of CD Maturity letter here. What's going on! I already called the bank several times a few days ago. Two times I talked to their Technical Support managers and both times the managers could not resolve the issue and end up the phone got disconnected. I spent more than two hours. This morning I called again and waited and finally the phone got disconnected again. These days, it's very difficult to communicate with the bank and talk to a 'real ' person.

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 2020-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, an individual hacked the account of a close friend, requesting money from several individuals. Unfortunately, this hacker used Cash-app as a service. Cash-app claims that it can not do anything about the issue, even though their platform was used for fraudulent/scamming activity. This account has stolen over {$1000.00} from individuals. Cash-App refuses to do anything about the situation or even protect against it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am a delivery driver for XXXX, and JPMorgan Chase Bank advertises a {$200.00} bonus for XXXX drivers who open a brand new Chase Total Checking Account and use the instant cash out feature within the Grubhub app to send funds to that new account within 90 days. After satisfying these conditions Chase advertises that they will deposit the {$200.00} within 10 business days. 

I completed these requirements and never received this bonus. The account was opened on XX/XX/2020 and I performed my first cash out on XX/XX/2020. Well within the 90 day window stated in the promotion. 

I waited the 10 days and did not receive the bonus. At first I thought maybe they were backed up or behind due to the various situations in the country right now with the virus, etc. I held out hope that they would eventually honor their own promotion. 

After another couple of weeks or so beyond the stated 10 days I reached out to Chase on XX/XX/2020 to see what was going on. I was told that promotions like this one require a coupon code and that one was not applied to my account. I was also told that coupon codes can not be applied more than 21 days after the account opening, so I am ineligible to add one retroactively. My problem is that there was no coupon code listed with this promotion. I read and reread the promotion and its conditions several times both before I created the account and again after receiving that response. There is no coupon code listed. How can a promotion require a coupon code that does not exist and/or is not provided with the promotion. This is deceitful. 

Here is a link that details the promotion, it is at the bottom of the page in the grey box : XXXX XXXX XXXX # numberone I am also attaching screenshots of the details of the promotion from that link in the documents section of this complaint form. 

I did everything required on my end, but Chase did not honor their own advertisement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that doesn't belong to me, doing my own research and asking for some help from a friend of mine, he recommended me to to start disputing the inaccurate information, So I did. I started my journey of disputing the accounts that weren't mine On/or about XX/XX/XXXX, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus several times. On XX/XX/XXXX, I went to filed an Identity Theft Police Report just as the Credit Bureaus requested on their replies. On XX/XX/XXXX, I called WELLS FARGO regarding an account showing on my credit report that doesn't belong to me, I explained that I was a victim of Identity Theft and the account mentioned above wasn't mine, after they reviewed their file, they finally decided to send me a " Declaration of Fraud '' with a case number XXXX. This letter stating that once I filled out the paper they would send it to XXXX so they would removed the account from their file, so I filled out and faxed it over, also sent it by certified mail the next day, I was expecting that the WELL 'S FARGO account would be getting removed but the account is still showing on my XXXX  report so I decided to take the extra step, to write a complaint thru this CFPB website hopping for good results to come in next time.

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 2020-12-04 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: MO

Complaint narrative:
Capital one has now changed the date of closing to 25 days. I called to see when my new date was for it to close out and it was on the XXXX of ever month and now it can post anywhere from the XXXX to the XXXX of each month. So they are getting more interest from me. I pay the payment as soon as it posts now on pYmnt day and I always pay extra on it. I have called to ask if they will lower the interest rate and they always say no way. I have had this card for over 20 years and I have never been lTe on it. I feel that someone needs to look into the practices of capital one and do something about this. Please check on these practices of capital one and I would like to know why they won't lower my interest rate since I XXXX  way aheD of time and pay extra on it every month. I pay at the least XXXX and somethings XXXX over the minimum point. Please help us XXXX people who are being XXXX  by capital one credit card company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient holds 8 students loans of mine, and I have been in deferment since day one due to income. However they have all eight accounts showing extremely late like 120 days and I've never even had a payment agreement to be late on. I've written them several times with no changes and no reply. I've left my number, email, address and I've gotten nothing. I called once but the person didn't make any sense so I wrote in to have proof of correspondence. The person I spoke with ( XXXX ) stated she doesn't know anything about credit reporting and that I should call back in the early morning because managers are there at that hour. Like I said ; it didn't make much sense to me so I wrote in. I've also been disputing it with all three credit bureaus and I'm going on month ther three with no response or change. This is creating a huge drop in my credit score and creating problems with even being able to rent a home. Because my score drops so significantly because it's 8 different loans so they hit me 8 times. I really need this taken care of. Any help would be greatly appreciated. 

Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
XXXX ( amount= {$8500.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX ( amount= {$4400.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX/XXXX ( amount= 0 ) Account Status= Negative the account was closed and paid in full with no late payments XXXX XXXX XXXX the account has been paid in full to delete from credit report ; please remove XXXX XXXX ( XXXX XXXX ) the account has been paid in full to delete from credit report ; please remove XXXX ( XXXX  ) the account has been paid in full to delete from credit report ; please remove Please remove all of the following account off my credit below : XXXX Unverified account XXXX XXXX XXXX Unverified account XXXX XXXX Unverified account XXXX Unverified account XXXX XXXX Unverified account XXXX Unverified account XXXX/XXXX Unverified account Contract Callers XXXX Unverified account XXXX XXXX XXXX XXXX Unverified account XXXX XXXX XXXX XXXX Unverified 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 2020-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Upgrade Inc sold my settled debt to a debt collection company after I had already settled and paid for my debt. The settlement and payment was for the amount of {$5800.00}, and the terms were agreed to on XX/XX/2020. I have contacted Upgrade Inc multiple times for them to resolve this error. Upgrade Inc insists that they were allowed to sell my debt even though I had already settled and paid. When I contacted the debt collections company, XXXX XXXX XXXX, I am told I must have Upgrade Inc resolve this error. 

Upgrade Inc is refusing to resolve this error is selling my settled and paid debt to XXXX XXXX XXXX. Upgrade Inc is refusing to refund me for the debt settlement payment that I have already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am unsatisfied with their investigation results because I have not been provided with any documentation ( ex : signed contract, itemized bill ) and I honestly do not recognize the company name or ever having an account with them. I need this account on my profile flag as disputed fraudulent. XXXX didnt even include a comment at the end of their investigation that mentions that I am disputing that this account does not belong to me and the agency should be required to provide the documentation they used to determine the validity of of the account during their investigations. Also the agency should not be allow to retaliate against the customer for submitting a request for an investigation. 

I submitted a dispute with XXXX  around XX/XX/XXXX because there is an account from 2016 I do not recognized ( RE : JPMCB ). There is no information on my profile as to who this company is. Did they provide XXXX  with a signed contract and an itemized bill? I have never received an itemized bill from this unknown company or any sort of documentation or letters from this company. I do not even know what the letters of the company stand for. XXXX  investigations often do not check for proper documentation. When an investigation is completed, it should be required that they should be providing the customer a copy of the documents that were provided as part of their investigation. 

The second complaint is the idea that XXXX  seems to retaliate when a complaint is submitted. I submitted a complaint because I do not recognize the company on file. They completed the investigation and my score went down XXXX points. This sounds like a practice to discourage people from submitting a request for an investigation. This should not be allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In late XXXX, my father died. He had multiple accounts and CDs with Capitol One Bank. Many of the accounts were jointly held with my mother with right of survivorship, but some only had her or I listed as the beneficiaries. She is in a long-term care facility suffering from XXXX, and with my father 's death, I have power of attorney over her financial affairs. 

After multiple contacts and providing the power of attorney, letters from her doctor regarding her condition and his death certificate, Capitol One Banking could handle transferring the joint accounts over to my mother and set up my power of attorney so that I could pay for her care. This experience was frustratingly time intensive but not any different than dealing with other banking institutions with whom I had to go through this same process. 

But the Capitol One Bank Estate Department has been impossible to work with to obtain the funds my father listed us as beneficiaries upon. You can not reach the department by phone, nor can the banking customer service representatives at Cap One. The banking department keeps sending additional requests for the same documents I have already sent them. I have filed multiple forms for them. They refuse to transfer the funds to her other Cap One accounts, even though it's the same institution. Instead they keep insisting that they need to send out hard checks to the addresses on record ( despite the risk of large checks going through the mail to my parents ' house where neither of my parents is obviously able to receive them ). But even when I accept this risk and ask them to process the checks, they repeatedly keep saying the checks are coming and extending the length of time they need to process the checks. 

I provided them all the documentation and requested that they accomplish this on XX/XX/XXXX. As of today, they are telling me that they need another 7-10 days and that I need to again submit the same documents I have previously sent them. When I call the banking customer service representatives they are sympathetic, acknowledge that I am designated as POA on my mother 's banking accounts, but are powerless to provide any relief or even to directly contact anyone in the Bank Estate Department. This is particularly troubling as I need access to my father 's accounts to continue paying for my mother 's medical expenses. 

Please investigate Capitol One 's Bank Estate Operations Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention on this matter, and will wait for your response. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention on this matter, and will wait for your response. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2020 about XXXX eastern time i called Transunion , XXXX  and XXXX  to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.

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 2020-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I am 2 weeks late on my payment with Citi Best Buy card and have been receiving more and more calls per day. It started as 2 per day but has quickly escalated. I have received 4 robo calls already today and it's just now noon. Each time they leave an extremely long voicemail which after 4 fills up my inbox. I've received 2 calls within 30 minutes or each other. Times are hard right now and trying to collect in this manner is heartless. I was already denied help from citi without any explanation why. I understand I need to pay but harassing me non stop isn't the answer. I have attached proof of the 11+ calls in the last 3 days.

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 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

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 2020-12-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX 2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation