vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Per the Chase website : " If you have Chase Sapphire Reserve, you also have more flexibility with how you can apply your annual {$300.00} travel credit. With travel restricted by the coronavirus, cardholders can apply gas station and grocery store purchases toward the travel credit through the end of the year '' 3x POINTS ON XXXX  XXXX  immediately after earning your {$300.00} annual travel credit. ** 3x POINTS ON DINING AT XXXX  XXXX  including eligible delivery services, takeout and dining out. ** My experience : I used my {$300.00} annual travel credit towards grocery purchases in late XXXX. I made some travel purchases in XXXX and XXXX, but was given 0 ultimate reward points per dollar instead of the standard XXXX ultimate rewards points spent per dollar. 

When I emailed chase about my the points discrepancy, this the response, they gave me : Hello XXXX, Thank you for contacting Chase. 

XXXX, we appreciate the time you are taking to bring this to our attention and will be happy to review your Chase Sapphire Reserve account ending XXXX. 

You receive a travel statement credit with your Chase Sapphire Reserve ( SM ) credit card. We automatically apply this credit to your account when you use your card to make purchases in the travel category, up to an annual maximum of {$300.00} total. 

This year 's Annual XXXX XXXX will reset on the first statement date after your enrollment date anniversary, which is the date you became a Chase Sapphire Reserve cardholder. Any eligible travel category purchases posted to your account after that date will go toward the next year 's Annual XXXX XXXX. 

For more information about qualifying travel category purchases, please visit chase.com/RewardsCategoryFAQs. 

" Annual '' means the year beginning with your account enrollment date through the first statement date after your account enrollment date anniversary, and the 12 monthly billing cycles after that each year. 

Earning rewards - One point per {$1.00} spent on purchases - Three points for each {$1.00} spent on card purchases in dining categories Your satisfaction is extremely important, and your comments are critical to our efforts for continued improvement. For that reason, we always welcome and appreciate feedback from our customers. Thank you for letting us know that we can do better. 

Stay safe and take care of yourself and loved ones. 

We appreciate the opportunity to help you. We value our relationship with you and thank you for choosing Chase. 
Please contact us anytime if you need assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02 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: NJ

Complaint narrative:
I had multiple charges which appeared on my account that I did not authorize. After noticing that these charges have appeared on the account, I made a phone call to Bank of America and followed the instructions provided by their employees to file the claim. The claim was eventually closed and no funds were recovered. When I called to clarify what the reason for this would be, I was told that there was a verification made by me for one of the charges, the other charge wasn't mentioned separately. When I asked the method this verification was made, I was told either email or phone call. At this time I notified the representative that I have not received any form of communication regarding the transaction, as I check my email regularly, and I no longer had access to the phone number on file with my checking account. For this reason, the claim was reopened, but nothing changed, I am not aware of any further action taken and no further information was given to why the claim was closed than what I have already been told. 

A few months later, on XX/XX/XXXX after reviewing my account and the charges on the account I saw new charges that had appeared which I did not authorize out of which one charge shows up in my online banking as mobile phone payment, which is interesting because I have never gave my card to anyone or allowed anyone to set up a mobile wallet with my card and I have my phone always. The phone also has a passcode and FaceID enabled. At this time I have restored my phone and erased all data, as well as ran an antivirus software on all of my devices.

I would like to ask for these charges to get researched and the funds retrieved along with the international transaction fees where applicable. Unfortunately at this point the charges add up to a substantial amount, the absence of these funds is taking a toll on me personally.

Here is a list of the charges mentioned : XX/XX/XXXX PaySend XX/XX/XXXX PURCHASE XXXX XXXX XX/XX/XXXX PAY.NL *XXXX  XXXX XX/XX/XXXX PURCHASE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PURCHASE XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX NY XXXX There was also a refund from the XXXX from XXXX which which I am also not aware of, as I did not make the initial charge, nor did business with XXXX  : XX/XX/XXXX XXXX  XX/XX/XXXX REFUND 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 monetary relief
Consumer complaint received 2020-10-02 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: MI

Complaint narrative:
my identity was stolen and used to purchase multiple fraud accounts. i have reported to the FTC multiple times about this matter as well as made a police report and nothing has changed. this is not fair and i would like some results immediately and also would like to be treated like a priority. This is getting ridiculous and i am tired of getting the run around. 

XXXX XX/XX/XXXX {$13000.00} XXXX XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$530.00} XXXX/XXXX   XX/XX/XXXX {$770.00} XXXX  XX/XX/XXXX {$630.00} XXXX   XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX {$630.00} XXXX XXXX XX/XX/XXXX {$560.00} XXXX/XXXX  XX/XX/XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: MI

Complaint narrative:
my identity was stolen and used to purchase multiple fraud accounts. i have reported to the FTC multiple times about this matter as well as made a police report and nothing has changed. this is not fair and i would like some results immediately and also would like to be treated like a priority. This is getting ridiculous and i am tired of getting the run around. 

XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$530.00} XXXX/XXXX   XX/XX/XXXX {$770.00} XXXX XX/XX/XXXX {$630.00} XXXX   XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX {$630.00} XXXX XXXX XX/XX/XXXX {$560.00} XXXX/XXXX  XX/XX/XXXX {$660.00}

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 2020-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XXXX : Navy Federal Credit Union, based in XXXX, Virginia, is seemingly subjecting Department of Veterans Affairs Home Loan borrowers to the following egregious behaviors and practices : Truth in Lending Act Violations : Unethical behavior with regard to customer engagement by Navy Federal Credit Union Personnel ( False and Misleading Statements ) Bait and Switch Activities : Navy Federal Credit Union offered general terms and information before applying for the loan, but has continuously changed loan amounts, qualification criteria, timelines, etc.

o Complete and continuous inaccuracy in the delivery of their lending practices.

Predatory Lending Activities : accepting and processing a refinance  application from XXXX XXXX ( borrower ) and charging Appraisal Fee for a refinance that Navy Federal Credit Union could not complete due to internal limits on loan terms e.g. 15 yr. vs.30 yr. term.

Seemingly lack of effective internal processes and controls regarding loan application reviews, approvals and/or denials.

Lack of timely communication or response. 


Parties : Navy Federal Credit Union Mortgage Sales and Refinancing Departments. 

o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX. 

Borrower and Co-Borrower. 



Timeline : XX/XX/2020 - Loan submitted XXXX {$2.00} XXXX request ). Assigned loan officer : XXXX XXXX. 

XX/XX/2020 - Informed by XXXX XXXX that misinformation was given, maximum loan tops out at {$2.00} XXXX, XXXX sends escalation response email ( Attachment 1 ). 

XXXX - Informed mortgage loan possible if Florida property is  refinanced to a conventional loan and VA entitlement is free. 

XXXX - Reassigned to XXXX XXXX XXXX 

XX/XX/2020 - Pre-approval letter received. Loan amount {>= $1,000,000} ( Attachment 2 ). 

XX/XX/2020 - Requested edited pre-approval letter ( remove down payment amount ). Amended pre-approval received XX/XX/2020. Loan amount changed : {>= $1,000,000} ( Attachment 3 ). 
XX/XX/2020 - Acknowledgement of accepted ( {>= $1,000,000} XXXX offer by XXXX XXXX ( Attachment 4 ). 

XX/XX/2020 ( uploaded ) - Loan commitment : {>= $1,000,000} ( Attachment 5 ). 

XX/XX/2020 ( uploaded ) - Loan commitment : {>= $1,000,000} ( Attachment 6 ). 

XX/XX/2020 - Informed Navy Federal does not allow 30-year mortgage refinance on investment properties. Case escalated to management ( Attachment 7 ). 

XX/XX/2020 - Reassigned new loan officer : XXXX XXXX XXXX ( Attachment 8 ). 

XX/XX/2020 ( uploaded ) - Loan commitment : {>= $1,000,000} ( Attachment 9 ). 

XX/XX/2020 - Email from XXXX XXXX XXXX : Available entitlement and the maximum loan amount : {>= $1,000,000} ( Attachment 10 ). 

XX/XX/2020 - Email from XXXX XXXX XXXX : Available entitlement and the maximum loan amount : {>= $1,000,000} ( Attachment 11 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: GA

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2020-10-02 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: GA

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax will not let me in my account. Sent them proof of me still cant get in. They dont want to process my dispute. Ive sent what they asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I received a phone call with the caller ID marked as " XXXX XXXX. '' Thinking it was XXXX because I had recently chatted with their support services, I picked up the call. The caller on the other line said something along the lines of being part of the XXXX trying to collect a debt. I immediately hung the phone up. I wanted to make sure this person was caught or something be done about these people so I filed a complaint with as well as here at the CFPB. The incoming call was named " XXXX  XXXX '' and the phone number received was from XXXX. I understand that the phone receipt information can easily be spoofed. Perhaps you can work with XXXX XXXX XXXX ( my service provider ) and run a network trace of the call made to my number ( XXXX ) by this caller at XXXX AM on XX/XX/2020, you may have a clue to whomever is behind these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
the company commonwealth financial has placed a {$510.00} debt onto my credit report from a medical bill that was originated in XX/XX/2014and was paid in XX/XX/2014when I called his company they refused to give me their physical address they refused to tell me what they were collecting on and then they just discclosed they were collecting on a medical bill before getting my full name and then give me the mini Miranda they refused to provide me with a letter stating that I owe the stat the original daughter or anything like that so I know that many laws have been broken here. They didnt even know my full name and they disclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I received a letter from Debt Recovery Solutions attempting to collect a debt. I am unaware of the company that they are working on behalf of. I sent a letter via email and us mail requesting debt validation. I have not received any confirmation or validation of the debt from this company. This company is now reporting this debt on my credit report with out proof that the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, 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 2020-10-02 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: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX  XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX  XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. Unfortunately, the little issue that I currently have is that, there is a late payment showing on my credit card account that is not right, I was never late on that account. The late payment was allegedly made on XXXX XXXX so I am submitting a complaint thru this site, expecting to get this issue solved.

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 2020-10-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2020, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. Unfortunately, the little issue that I currently have is that, there is a late payment showing on my credit card account that is not right, I was never late on that account. The late payment was allegedly made on XXXX XXXX so I am submitting a complaint thru this site, expecting to get this issue solved.

Company response to consumer: Closed with explanation