vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 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: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim, her information was used to open an account with XXXX XXXX without her consent. A dispute of this account was mailed to XXXX XXXX XXXX/XXXX/XXXX however as of this date nothing was received from XXXX to confirm the account was closed as being fraud related. This is a violation of the FCRA.

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 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a check for approx {$1000.00} into my JP Morgan checking account. A few days later my account was closed without any notice to me and they kept my retirement check that I deposited. I went into the bank and they promised to give it back once I followed the steps they provided. I did that day and they still refused to give me the money. No one can explain why my account was closed without contacting me. I contacted XXXX XXXX about the validity of the check they issued me and they told me they paid the check. XXXX claims they did n't pay the check but have no record of that and want me to prove they did. So I again brought it proof and chase still refuses to give me my {$1000.00}. They just blow me off and keep my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, I 'm disputing the {$89.00} I was charged on my Chase Debit card on XXXX XXXX 2017 for a transaction with the XXXX XXXX program. I selected a weekly pass ( {$29.00} ) on the machine, but was charged and given the monthly 30 day unlimited trips pass for {$89.00}.

I immediately stopped one of the XXXX  helpers at XXXX XXXX XXXX and she told me there was nothing she could do and I should contact the customer service for XXXX. Further, she informed me I was likely out of luck because XXXX does not do refunds under any circumstances because it is not in their policy.

I exchanged e-mails with customer service on the same day, please see below : Good Morning, Thank you for contacting XXXX XXXX My name is XXXX and I am more than happy to assist you today.

In order to investigate your issue, we will need the 20-digit serial number on the back of your XXXX  Card starting with XXXX.

Thanks for your inquiry and feel free to contact us at any time.

Sincerely, XXXX ( XXXX ) - - - Good afternoon XXXX XXXX Im not sure if you received my previous e-mail, my cell phone service is not working lately. Anyway below please find the XXXX Card number you were asking for.

S/N : XXXX XXXX XXXX XXXX XXXX Please advise when the refund is processed and how long it typically takes, Thank you again for responding back so urgently and understanding my unfortunate situation Best, XXXX XXXX -- - Good Afternoon, Thank you for contacting XXXX XXXX. My name is XXXX and I am more than happy to assist you today.

Unfortunately all we can do is convert the 30 day pass to the equal amount of trips. Is this something you would like to do?

Unfortunately, there is a No Refund Policy for unused trips/passes or for XXXX Cards as per our Terms & Conditions. You can read them on our website, XXXX One of the benefits of the XXXX Card is that neither the trips nor the card expire as long as your card is kept in good working condition.

Thanks for your inquiry and feel free to contact us at any time.

Sincerely, XXXX ( XXXX ) --  I was left with absolutely no options but to convert this unlimited monthly pass that I did not select to individual 30 trips. She tried to convince me to go through with it and asked me when I 'd be at the XXXX  next. However, I never deactivated the card or converted my trips. I am extremely disappointed with the services of the XXXX XXXX customer service. Corporations can not include " no refunds at all '' and have customers live with it. I dispute this {$89.00} charge and want a complete refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Federal tax lien reports as unpaid and open I have submitted disputes with documents ( XXXX withdrawl of filed notice of federal tax lien after release XXXX to show that the lien has been withdrawn. Equifax still comes back that lein is accurately reporting which it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX Saturday, XXXX XXXX, XXXX I spoken with an representative of XXXX to updated and dispute inaccuracies in my credit report. They stated that they update my name, address, phone number and current employer. Also, they deleted XXXX accounts but they still shoeing on my credit report. Im not understanding if you conduct an investigation ... comes back with result but do actually do what you indicated to me in writing. I 'm confused as to why they did n't delete the inaccurate info and update my personal information. Please help. When I called last night ..spoke with XXXX, who gave me a difficult time and refused to let me speak with a supervisor.

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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
0n Saturday, XXXX XXXX, XXXX I spoken with an representative of XXXX to updated and dispute inaccuracies in my credit report. They stated that they update my name, address, phone number and current employer. Also, they deleted 2 accounts but they still shoeing on my credit report. Im not understanding if you conduct an investigation ... comes back with result but do actually do what you indicated to me in writing. I 'm confused as to why they did n't delete the inaccurate info and update my personal information. Please help. When I called last night ..spoke with XXXX, who gave me a difficult time and refused to let me speak with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNT # XXXX purchased a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. 

Attempted contact to settle debt no response. When reporting they report a fraudulent delinquency date of XX/XX/XXXX when in fact the date is XX/XX/XXXX. there is a discrepancy of 2 years which lengthens the time frame it is allowed on credit report. Have written them refused to correct the date. Law states this is not legal.

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 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
From what it looks like on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX there were accounts opened with XXXX XXXXk. I DID NOT open these accounts at all! I want this this is ruining my credit and how i can open up an account also it looks like someone opened up an account at citizens bank as well on XXXX/XXXX/XXXX I had my wallet stolen but I dont get how they opened my account like this! 

I have tried to talk to them and they wont do anything about it. I just keep getting bills to pay it. I am not paying anything that i dont owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
There really is n't an option for my issue so I chose the closest options. XXXX XXXX XXXX, who has participated in illegal recovery efforts before, is making hard inquiries against my credit report up to XXXX times per month - sometimes on consecutive days! I understand that collection agencies have the right to make inquiries while collecting a debt, but is is really legal for them to try to bully a response by damaging someone 's credit with incessant credit inquiries? That seems unethical at a minimum. There are no debts on my credit report owned by XXXX. I did have a collection with them at some point in the past ( and was actually awarded a part of the settlement for violations of debt collection practices ) but currently there is no collection associated with them on my report. How can I make them stop making insane numbers of hard credit inquiries every month?! 

The attached file is a screenshot from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA closed my bank acct effective XX/XX/XXXX, I have not yet received any notification that my account has been closed. the only communication is when I call them which was on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. they have only informed me to say that the will no longer be doing business with me and that my account was closed on XX/XX/XXXX. for potential fraud. I have since had Three XXXX checkecks that were deposited and recieved after and since my account was closed. the bank has stated that they will mail my funds to me on XX/XX/XXXX. I am a XXXX Veteren and I can not sustain life without my funds that they are holding. they have even stated that the decision is final and that is no person that I can talk to change them not giving my money and that I have no choice but to wait 60 days for them to send me a check. this is WRONG! 

I NEED HELP WITH THIS MATTER - THIS IS AN EMERGENCY AND IT SHOULD BE ILLEGAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 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: MD

Complaint narrative:
Equifax 1. Equifax took a week to answer my email, even after they said that my account may have been compromised. 
2. I called today because I could not log in, and I could hardly understand the person on the other line.
3. I asked to be connected to a supervisor and when I was getting connected, there was so much static that after a few seconds I had to hang up. 

What is going on with Equifax? What can I do about our accounts. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
Informed them i 'm having trouble paying and to submit account into collections ... .. they call about 5x a day they even came to my home in person which is not ethical

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 2017-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX my credit bureau was hit XXXX points because of Medical Revenue Services reporting {$XXXX} that I do NOT owe and also reporting an account 2 times for the same amount {$XXXX}. My credit score would be XXXX if not for their deceptive and non consistent reporting. I have disputed the {$XXXX}  numerous times with no help or action taken for the duplicate reporting. I want all records from them deleted from my credit file because they are very inconsistent and inaccurate in there reporting. I 'm sure I 'm not the only one that they 've wrecked opportunities.

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 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The bank keeps charging me fees of {$30.00} a month despite me continually telling them that I want a basic and not a premium checking account. This has been going on for two years.

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 2017-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.

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 2017-10-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: GA

Complaint narrative:
XX/XX/XXXX the student loan was taken out for XXXX XXXX with my now XXXX uncle was the main borrower/ co-signer. The loan was predatory with in-fluctuation in interest rate. President Obama and congress set up actions against the predatory student loans companies. I was not able to finish school and therefore it became into repayment. I asked fo deferment or assistance. XXXX handled the the loan initially, they were unforgiving and I was asked to pay over {$500.00} a month. I was not able to afford and loan went into default and then charge-off status. I recently received a letter on XX/XX/XXXX in regards to attempt to collect over {$40000.00} with interest capitalization. Please assist with getting XXXX XXXX to stop the attempt collect on student loan that I am not able to pay and my XXXX uncle is XXXX XXXX XXXX  to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.

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 2017-10-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
We had a 2nd mortgage which was sold several times and ultimately was sold to XXXX XXXX. During the recession XXXX we applied for mitigation of the second mortgage with them because our home was underwater ( still is ) and we were being harassed by telephone, mail and even had their representative come to our house several times and threated my mother in law. I filed a complaint and the harassing stopped at which time the mitigation was addressed and we made one final payment and the balance was forgiven as the mortgage company was given federal funds to settle cases like ours. 
I am extremely upset at this resurfacing 7+ years later through ditech which has been non responsive and disrespectful not acknowledging the fact that the 2nd mortgage was released by XXXX XXXX so many years ago. This has resurfaced and ruined my credit. We have made several attempts via calls and correspondence to communicate with Ditech Financial, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX account # XXXX As a consumer we have no control over the secondary market selling bad paper to companies like Ditech . XXXX XXXX sold our closed 2nd mortgage file to Ditech for pennies on the dollar and now they are ruining my credit and harassing us to acknowledge a debt we do not have for a 2nd mortgage on a house that is XXXX underwater.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
For the past XXXX months, XXXX XXXX XXXX XXXX has been actively sending me promotional materials about their credit card and its associated benefits. The benefit that was appealing was that after spending {$3000.00} in the first XXXX months, XXXX would credit my XXXX XXXX rewards program with XXXX miles. After spending more than {$3000.00} during the first XXXX months, I called XXXX to inquire when my mileage credit would occur. I was advised that since I was a credit card holder XXXX years ago, these " reward '' miles would not be credited. I was totally surprised and due to their inability to address their own promotional information, I have closed my account with them and will probably never do business with this organization that undertakes consistent false advertising.

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