vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a Chase Credit card that I used to purchase Airline tickets to Hawaii of this year. Due to Covid I could not get a flight to XXXX from XXXX because we could not fly! The airlines solution was a credit for 2 years well I'm six months into that timeframe and I don't see myself flying anywhere until this country gets Covid 19 under control. I requested that my account be credited this was well over 2 months and I have not received my credit or a response from Chase! I have written them 7 times!!! 

I will not be traveling to a state where I have to quarantine for 14 days so a airline credit is unacceptable!!!! I'm the one being penalized for interest on my charge and I cant fly!!! 

So big airline gets to keep my money and put me at the disadvantage financially?? Not fair!!! I'm only seeking a credit for services that were not given!!!! It's not my fault Covid 19 happened nor should I be penalized. Please help! This transaction was posted on XX/XX/2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28 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: WA

Complaint narrative:
Upon recent review of my credit report an item was listed on Trans Union. 
XXXX XXXX XXXX. It was reported as in collections for the amount of {$770.00}. 
I have never heard of this company. I contacted Trans Union and filed a complaint. 
File # XXXX. I also tried to contact XXXX XXXX XXXX  directly, but was put on hold twice. Both times the call was disconnected. Received the results of Trans Unions investigation XX/XX/XXXX. They verified the account as accurate. I called and asked them what criteria was used to determine the the accuracy of the account. Was told they verified with XXXX XXXX XXXX my name, address and social security number. 
That was the extent of their investigation. My did my own investigation and found that XXXX XXXX XXXX is a collection agency. The original debt was with XXXX XXXX, which provided home security systems for homes. They are no longer in business The debt was turned over to XXXX XXXX XXXX for collections on XX/XX/XXXX. Purchased first house in XX/XX/XXXX and have never had a home security system. I never received any information or communication from either XXXX XXXX Solutions or from XXXX XXXX. I have always maintained an excellent credit score, between 750 and 800, am retired and currently have no debt except for a balance on my mortgage. Would like to get this removed from Trans Union. Please review and advise.

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 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Never had a chase product of any kind in my life and now that I am attempting to open an account I am repeatedly denied for all products no one seems to know why. 

At this point my desire to obtain their services is dwindling but it is posing enough cause for concern and agitation that I submit this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After several attempts to clear up the errors made by XXXX XXXX XXXX on my credit report from the ( 3 ) bureaus ; Equifax, XXXX  and XXXX. I was notified by XXXX XXXX XXXX back in XX/XX/XXXX ; that they agreed to clear the late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I again, notified XXXX XXXX XXXX, that the late payments are still open as >30 days and as agreed was not removed from the ( 3 ) Bureaus. I was then advised by XXXX XXXX XXXX on XX/XX/XXXX that, it is up to the Bureaus to correct and I should file a dispute with them individually. I have followed the guidelines and have followed up with the agencies with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After several attempts to clear up the errors made by XXXX XXXX XXXX on my credit report from the ( 3 ) bureaus ; XXXX, Experian and XXXX. I was notified by XXXX XXXX XXXX back in XX/XX/XXXX ; that they agreed to clear the late payments XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I again, notified XXXX XXXX XXXX, that the late payments are still open as >30 days and as agreed was not removed from the ( 3 ) Bureaus. I was then advised by XXXX XXXX XXXX on XX/XX/XXXX that, it is up to the Bureaus to correct and I should file a dispute with them individually. I have followed the guidelines and have followed up with the agencies with no resolve.

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 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like my disputes and I are being taken advantage of and dismissed. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong 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 2020-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like my disputes and I are being taken advantage of and dismissed. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong 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 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: DE

Complaint narrative:
As of XX/XX/XXXX I attempted to log into my mobile app through Chime Bank. It alerted me that the account was closed and to contact XXXX. Which I then called because was very concerned knowing I had well over $ XXXX in my account time of closing. It prompted me that " my account was closed and only can communicate via email '' I then sent an email to the support team numerous times. 

They then asked me to verify my identity, I then had to show proof of ID and Social Security Card. Which I provided ID, Social Security Card, Birth Certificate, and most recent W-2 from my current job. To potentially expedite and reopen my account. 

On XX/XX/XXXX at XXXX I received an email stating I have until XX/XX/XXXX to remove all funds from my account. Knowing banks close at XXXX I was not able to get to a bank so I transferred all funds to my other link bank account which is XXXX XXXX XXXX XXXX. The next day I called Chime and they assured me funds takes a few days to process into another account. I waited a total of 5 business days. Called from a landline ( since they blocked my number from accepting live representatives ) The representative XXXX explained that the account was closed on XX/XX/XXXX at XXXX XXXX and they were unable to successfully transfer the funds to XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I received an email stating they made determination that they will not be issuing a check with remaining amount of funds that was in my account ( they have yet to disclose reason ). 

On XX/XX/XXXX I called Chime on another landline. The representative gave me confirmation that they would have to wait 10 business days from date that account was closed. He expressed give it 2 days and by XX/XX/XXXX I will be receiving my check with remaining balance on it. 

On XX/XX/XXXX I called yet again on another landline spoke with a representative briefly and automatically sent me straight to a supervisor. The supervisor then said they have not sent the check out. I explained I need answers since I have not had access to my money since XX/XX/XXXX. He expressed he " submitted an escalated ticket and I should be hearing something within the next few days ''. 

I've had a lot of patience and I'm at my end, I need help to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I called Amerisave Mortgage to refinance ( from FHA to Conv loan ). I was asked to pay {$500.00} upfront on my credit card and I did. I was asked for the same documents on multiple occasions, after already submitting them. I was assured as long as I turn in requested documents in a timely fashion that I would be able to close before year end. I advised the main purpose is for me to be able to have a tax break for this year. My loan officer XXXX said I would be able to since I got all the paperwork in. I was told on XX/XX/XXXX that once I receive a call from the loan processor that everyone would have signed off but one final check box from Sr.underwriter. I spoke to the processor XXXX on a few occasions and she advised that I should close on XX/XX/XXXX because they have everything. Then I was told the underwriters not responding, managers are not responding. I continue to call both the loan officer and the processor only to receive voicemail, I leave messages and no call backs. They took my {$500.00} and will not call or reply. I have multiple email chains regarding this terrible experience. 
Thank You,

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 











2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WA

Complaint narrative:
I am XXXX and I applied for Washington state unemployment and I also applied for the SBA PPP program Corona relief program Earlier this year. After I waited such a long time 3 months or so, finally my Washington State unemployment was accepted and they paid me back all the back pay and the money was directly deposited from Washington state unemployment into my chime bank account sometime in XXXX and it was around {$14000.00} or so. And SBA PPP program also finally was approved and sent a direct deposit of {$10000.00} into my chime bank account sometime early part of XXXX. I also have been receiving weekly unemployment since XXXX by direct deposit and the money has been been depositing into my chime bank account which is now put on hold or Frozen. My chime bank account has been put on hold or suspended because they said that I needed to verify and confirm. I sent all documentation That verified and confirmed where the funds came from and also I have sent them the proper documentations to verify and confirm who I am when it comes to my ID my address etc that they needed and still they have not allowed me to access to my funds. I want to get my funds and close account As soon as possible. All the money that has been deposited in my account came directly from the SBA PPP program and also it came directly from the Washington state unemployment They can verify with the Washington State unemployment and also they can verify with the SBA PPP program. like I said, the money was directly deposited from those agencies into my account. I have sent them the documentation from Washington state unemployment and also I have sent them documentation from the SBA PPP program and still they have denied me access to my funds. I kept those funds in there since XXXX of this year and never took it out because it is the only way for me to make sure that the money is safe and I can't believe it they are trying to steal my money. please help me so this way I can survive during this pandemic. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I reviewed my ChexSystems report and found the following inquiry that was not authorized by me : XXXX XX/XX/2020. I did not apply for any accounts with this bank and they did not have my authorization to obtain my 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 2020-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint because I am being extremely affected by United Wholesale Mortgage. 

I have a late payment reported on the above account and it is making my financial life miserable. This incident occurred on XX/XX/2020, during the worst covid-19 scenario. I was one of the affected.

Besides the covid-19 situation, there was a third-party company that was handling my payments and did not do what they were supposed to. This company failed to make my payment, stating that there was a system error and they apologized for the inconvenience. ( I have attached proof of what I am saying ). 

I have three properties financed with UWM, had enough money in bank, I had setup auto pay which didnt go through. In addition, since I had moved to a new address, I didnt get late notices, in the midst of this he was struggling with XXXX XXXX. I have 2 other loans with UWM that are open and paid on time.

Both situations ( XXXX and the third-party company error ) became overwhelming at the moment they happened and they were both not in my hands. I find it really unfair to have a late payment reported now because of somebody elses error and because I was really XXXX. This was not a monetary issue. I did have enough money to pay. You can check on your records that I made the payment next month, right after I saw the late reported and received the third-party company letter. 

I even called to try to fix this, but the representative sounded really unwilling to help me, stating that I should contact the credit bureaus, when we know that the one that makes the final decision is the creditor. The credit bureaus just follow the creditors indications. 

My demand is based on many damages and all the violations that they have committed : Deceptive business practices, Providing false information over the phone, Reporting discrepancies across bureaus, Negligence, Misrepresentation of facts, Unfair business practices and Violation of Cares Act. 


I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I want to report deceptive marketing to current customers by Bank of America I signed up for an offer Bank of America advertised on their website " 5 % Interest Rate Booster on a Savings account. After two months of seeing minimal interest on my account, I called them. It turns out the " 5 % Interest Rate Boost '' is 5 % of the 1 % interest rate I would normally get. So, 1 % interest gets boosted '' to 1.05 %, not 6 %. 

See the screen images showing the offer, numbered to indicate the order in which one has to click to find the explanation. How many will actually do this? The promotion seemed very straightforward to me. I did not click until I wasn't reaping the 6 % interest I thought I was entitled to. It is very misleading. I work in marketing, and this is deceptive, and misleading at the very least. Shame on Bank of America. 

If you'd like more information please contact me. Thank you for investigating this.

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 2020-12-28 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: FL

Complaint narrative:
To whom it may concern : Equifax is incorrectly reporting fraudulent inquiries that resulted from identity theft as a factual record of file access ( see attached credit report ). This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ). The aforementioned fraudulent inquiries Fail to meet the criteria of a factual record of file access. The fraudulent inquiries were the result of identity theft and do not serve a permissible purpose ( see attached police report ). 
Based on the listed inaccuracies, Equifax Failed to verify the information contained in this report. This is a Violation of Section 605 of the Fair Credit Reporting Act ( FCRA ).

Provisions of Sections 606 & 609 of the FCRA require Equifax to provide the following information to any consumer : How did Equifax verify the inquiries? 
Name the source of information. 
Provide a copy of the executed application your source sent to verify that the inquiry was authorized. 
Provide Permissible Purpose for the Fraudulent inquiries. 
Provide a copy of the wet signature used that verifies the inquiries. 
Provide proof of a proper investigation. 
Equifax failed to adequately investigate Fraudulent inquiries listed as a factual record of file access. All the Fraudulent Inquiries Must Be Deleted. As per the rights afforded to me by the Fair Credit Reporting Act ( FCRA XXXX. I am requesting that the information being reported in my Equifax Credit report be Corrected. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation