vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for a conventional mortgage with Chase bank at XXXX XXXX XXXX XXXX, XXXX, FL in late XX/XX/XXXX and was told if I took an online XXXX XXXX XXXX course I would receive {$500.00} after my closing. The course was recommended by the branch 's lending manager, XXXX XXXX, and became a requirement for me to complete during the underwriting review process. I completed the course on XX/XX/XXXX and sent the completion certificate to my loan officer, XXXX XXXX, which was then provided to the underwriters. I closed on XX/XX/XXXX after a terribly stressful process with Chase staff. To this date I have not received the {$500.00}. 

On XX/XX/XXXX I sent a message via my Chase mortgage secure message center asking about the {$500.00} credit. The Home Finance Support team responded that they had no record of it. They said they would have to forward the matter to Home Resolution, although I have not received any notice that this was done or that Home Resolution is actively working on it. As it had been two weeks without any communication, I sent an email to XXXX XXXX and XXXX XXXX on XX/XX/XXXX for their assistance. XXXX XXXX responded that " the agreement was made directly with XXXX XXXX '' and that he was out of town until XX/XX/XXXX. On Monday, XX/XX/XXXX, I called XXXX XXXX 's cell phone and left a voicemail, which he did not respond to. On XX/XX/XXXX, XXXX XXXX responded to my second email with : " Since you sent your initial email to the escalation department I work through them for resolution. They will be reaching out to you with their findings and resolution to this matter. '' His response was disappointing as I felt he was not willing to help me resolve the issue and each Chase department seemed unable to do anything. I then sent an email to Chase Executive Director Home Lending, XXXX XXXX, to ask his assistance. XXXX XXXX responded and asked XXXX XXXX to respond with detailed facts, however, XXXX XXXX has not responded. I am still waiting for Chase to inform me as to what is being done to honor their {$500.00} offer. Furthermore, I do not want other prospective mortgage applicants to go through this same experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase charged interest on the average balance rather than the unpaid balance. {$17.00} interest on {$530.00}. They show an average balance of {$1100.00} and based the interest of 17 % on that amount. They are refusing it. They claim that this issue shows on the disclosures. They claim that I was short only {$1.00}, that this calculation would take place. 

I have been in XXXX  for 30 years and have never heard of this method.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18 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: OH

Complaint narrative:
To Whom It May Concern : This is the third time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 

My name is XXXX XXXX XXXX S.S. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT EMPLOYMENT INFORMATION IS : RESIDENTAIL APPRAISAL My current phone number is : XXXX XXXX The following phone numbers are not wrong please delete : ( 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 ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX HAVE RESIDED HERE FOR 3 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE this address IMMEDIATELY : XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern : This is the third time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 

My name is XXXX XXXX XXXX S.S. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT EMPLOYMENT INFORMATION IS : RESIDENTAIL APPRAISAL My current phone number is : XXXX XXXX The following phone numbers are not wrong please delete : ( 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 ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX HAVE RESIDED HERE FOR 3 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE this address IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA 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 non-monetary relief
Consumer complaint received 2018-05-18 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: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. StatXXXX issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.

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 2018-05-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I returned shoes to XXXX XXXX in which waited the allowed time frame to get my refund. In which didnt get the refund then disputed the transaction and received the money on XX/XX/XXXX. Then they took it back from my account XX/XX/XXXX. I have been disputing this since XX/XX/XXXX. They have yet to fix it then. Theyre disputing incorrect merchant. I am beyond furious with having to do their job and not getting the customer service I should be getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 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: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.

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 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I received a phone call from a lady stating she was from Caine & Weiner and demanded payment. I asked her nicely to send me a verification letter on company letter head to verify the debt. She said they sent letters in the past and she will not put in a request to send another. Things got heated over the phone when she continued to demand payment without verification. I ended up telling her I will not pay until I get a confirmation of the debt in the mail and she threatened to pursue the debt " legally ''. I told her I know my rights and hung up. After cooling off I called the same number and to my surprised received the same lady who apparently had caller ID because she said my name and asked what I wanted. Once again I asked her to verify my debt by sending me a letter and she asked why a phone call wasn't good enough to be verified. I told her I'm not going to pay without the verification letter and hung up again. 

I had already sent the debt company a certified letter to verify the information in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX I received an alert on my credit report stating XXXX XXXX is trying to collect on a false debt opened in XX/XX/XXXX in my name I've never received any validation of the debt any proof or any correspondence with the company other than writing the XXXX and the company stating the debt is valid I have no proof or paperwork from them stating that I have no business with XXXX XXXX XXXX or XXXX XXXX this is fraudulent and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I have damage to my roof and my insurer has paid a claim by check. The check was made payable to Ditech and me, individually. Ditech required me to endorse the check to them and send it to them. They then took 4 weeks to return a check to me. The check they sent to me was payable to my roofer and me. My bank will not let me deposit the check unless the president of the company, who endorsed the check for the roofer, is present. 

I've asked for a new check to be sent payable to me individually since I've already paid the roofer. Ditech will not do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I obtained my consumer report from XXXX XXXX XXXX XXXX. It contains incorrect information. It contains housing court case that should have been excluded from the Transunion data since I have a court signed stipulation in XX/XX/XXXX with all parties agreeing to exclude the cases from any tenant screening company database. 

I provided the court signed stipulation as support to XXXX XXXX XXXX XXXX XX/XX/XXXX.  Today, I called them to follow up. They said that they can change the type of the case, but they will retain the case in the report and their database. 

I explained to them that the court signed stipulation is to excluded the case from their database. However, Transunion on the phone did not understand and insisted to keep my court record ( which should be excluded per signed stipulation ) in their database and reports.

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 2018-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for and received the Fidelity Rewards Visa Signature Card based on a promotion that I received in the mail : " Receive XXXX Bonus Points - which equals {$100.00} Cash Back when deposited into an eligible Fidelity account - after you spend {$500.00} in eligible net purchases within 90 days of account opening. '' I completed the application online well before the XX/XX/XXXX deadline and made my first purchase on XX/XX/XXXX. 

The fine print claims : " 6 to 12 weeks after qualifying purchase are made, the one-time Bonus Points will be added to the account holder 's points balance. '' It's been well over 12 weeks since my first statement, which had over {$1000.00} in purchases. When I look at the history of my points balance, I only see points from the usual 2 % cash back. 

On XX/XX/XXXX, I contacted Fidelity about this issue and I received this response : " After reviewing your account we do not show that the account was applied for under a promotion to give you XXXX bonus points. This is why the points have not posted to the account. We are unable to change your enrollment offer or award additional enrollment as your account has been opened longer than 120 days. '' I called XXXX and received a similar answer from their customer support. 

Nowhere in the terms of the attached promotion does XXXX state that I must follow special instructions to apply under the promotion. I simply applied online at FidelityRewards.comXXXX as instructed.

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 2018-05-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX credit card opened balance {$2900.00} XXXX XXXX XXXX collection company balance {$2800.00} XXXX / XXXX charge off account balance {$2500.00} XXXX card credit card charge off account balance {$1700.00} XXXX credit card charge off account balance {$1000.00} XXXX XXXX XXXX   collection  account balance {$970.00} XXXX XXXX XXXX collection account balance {$610.00} XXXX XXXX collection account balance {$410.00} XXXX credit card collection account balance {$350.00} XXXX/XXXX charge off account XXXX charge off 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 non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank manages the sears credit card services. I have had a sears card for 35 years. I received a notice from citi threatening cancellation if i didn't use the card. Sears have closed stores, no catalog sales, and less than stellar home service. When i received the actual cancellation it was for reasons other than non use. The reasons used were extremely derogatory. The cancellation was negative to my credit. I have never had historical issues with sears. The account balance was XXXX. Citi was contacted. Someone from the executive office called with corporate boilerplate. The citi response is totally irresponsible and therefore unacceptable.

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 2018-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reporting that a collection Agency named XXXX is fraudulent reporting an account I never had in the time frame they specified on the bill dating back to XX/XX/XXXX. I have repeatedly asked XXXX and TransUnion through disputes for proper validation of this debt since XX/XX/XXXX and I have continuously explained that this account isn't mine. In XX/XX/XXXX, I was with the carrier XXXX at the time and had been for some years. XXXX sending me a bill is not proper validation. Plus the name addressed on the bill is not even my identity.I initialized a dispute with TransUnion on XX/XX/XXXX and they responded back today, on XX/XX/XXXX as " 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 2018-05-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
concerning complaint # XXXX filed with the CFPB on XX/XX/XXXX. 

Thank you for the response filed on XX/XX/XXXX, and the reply on XX/XX/XXXX. 
XXXXXXXX XXXX has replied to me that there was a cash retract at the ATM at the time of my withdrawal for XXXX dollars plus XXXX dollar ATM fee. 
XXXXXXXX XXXX has told me ( in a letter ) from their Executive Office ( Mail Code XXXX ) XXXX XXXX  XXXX XXXX, OH XXXX ; to contact my financial institution which is XXXX XXXX Debit Card. XXXX XXXX deposit my Social Security payments to the card each month. 
I have contacted XXXX XXXX FOUR times now, 3 times by fax and one time through the U. S. Mail. Each time I called after sending the further proof sent to me from XXXX XXXX, but XXXX XXXX insist that they have received nothing from me. 
The XXXX XXXX ID, or Complaint number dated XX/XX/XXXX is XXXX My letter from XXXXXX/XX/XXXX is from XXXX XXXX Phone XXXX RE Executive Office Case ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Incorrect/wrongful info reporting to credit bureau, Inappropriate methods for debt collection ( including lies ),  breaking an agreement for paying debt. My company XXXX XXXX has two ( 2 ) credit card accounts with American express with existing balances. We were in negotiations to pay those balances and always were clear of the intensions to pay them in full. In XX/XX/XXXX and in XX/XX/XXXX we've made in agreement and make 2 payments total of  {$8000.00} ( {$4000.00} for each account ) in order to prevent those accounts to fall into collections, as we agreed. On XX/XX/XXXX ( 6 days after the payment ) American express broke our agreement and reported to XXXX Credit Bureau this account as personal collection account for me, ( XXXX XXXX ), as a guarantor with delinquency of 90 days or more!!! This is ridiculous since it based on misleading information - First : 90 days or more delinquency is wrong reporting ( last payment date is XX/XX/XXXX, business has made two ( 2 ) payments in two ( 2 ) month, that's 20 % of the total balance ) ; Second : An agreement has been broken by American Express or their representatives, they lied to me promising that in exchange of the payments keep accounts out of collection and even refund late fees and reopen one of the account ; Third :  since business has paid last month that couldn't be reported as personal debt, I'll take responsibility if it's not paid.

Company response to consumer: Closed with explanation