vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is a complaint against JPMorgan Chase Bank XXXX. XXXX XXXX XXXX DE XXXX regarding a card services annual renewal fee of {$85.00} that was not refunded to me when I cancelled the card XX/XX/XXXX. When I called customer service to cancel the card because of the recently assessed annual fee in XX/XX/XXXX, I was not told on this call that there was any issue with this fee being refunded. I was fully expecting to receive a check in the mail based on my phone call to Chase. The last four digits of my card are XXXX. 

Each month I pay my balance in full online. I do this fairly quickly and often before the due date. I did not notice until the after that payment that I had inadvertently paid the annual fee. I no longer have any credit cards that charge these fees and had signed on with this credit card because they offered one year without fees. 

When I did not receive a check in the mail refunding the fee Id inadvertently paid when I paid the balance due in XX/XX/XXXX I was told that I had not cancelled the card within the 60-day time frame. I asked that this matter be reviewed and was told Id receive a letter with the decision within 10 days. I did not receive a letter and called again XX/XX/XXXX. This time I was told I had to cancel within 45 days in order to be refunded the annual fee. I asked customer service if they were not going to refund the {$85.00} fee, to issue me a card so I could benefit from using a card that Chase had assessed me {$85.00} to use for renewal. I was told this was not possible. I found this unacceptable and called one more time to report that I was not told when I cancelled the card that I would not be refunded the fee. No other options were presented to me other than the {$85.00} would not be refunded for a card I cancelled and was not going to use for the one-year fee. 

What I find challenging about this matter is that I get offers from Chase frequently to sign up for new cards and/or to open a checking account with them with a $ 300-500 reward fee. Chase spends money marketing to obtain new customers but doesnt honor loyal customers with excellent credit ratings and on-time payments. 

I am filing this complaint with the CFBB to describe these unacceptable violations to consumers with Chase credit cards and to seek a refund of the {$85.00} for the yearly fee I inadvertently paid for a card I am not using. I want other consumers to be forewarned of these aggressive fee collections and the non-responsiveness to my first call and follow-up calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05 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: FL

Complaint narrative:
I checked my credit reports and noticed many different variations of my name and address. I have tried to reach out to XXXX, XXXX  and Transunion by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street Address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be XX/XX/1983.

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 2019-03-05 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: FL

Complaint narrative:
I checked my credit reports and noticed many different variations of my name and address. I have tried to reach out to Experian, XXXX  and XXXX by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street AddreXXXX is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be 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 2019-03-05 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: NJ

Complaint narrative:
I reported the identity theft to all three bureaus and they all complied. Except Equifax who left one account on my credit file that I reported to the FTC and to the police that it was fraud from identity theft. However, Equifax told me they were not removing it, after I sent them all the documentation they needed. The account that is fraudulent and still reporting is below : XXXX Account Number- XXXX********** Account Balance- {$19000.00} Date Opened- XX/XX/2015 Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates called my cell phone looking for my mother. She does not have the same phone number and they would not tell me why they were calling her. I asked how they got my phone number, and she repeated asking for my mother. This debt collector is calling other people other than the debtor in attempt to ruin a persons reputation in order to make them pay. Would not give any other information, and then hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
Today XX/XX/XXXX I received information from my bank that New Century Financial has frozen my XXXX  XXXX XXXX Account. So there is a levy on my account and my balance is XXXX. 

I have not received any court order or any notification from neither the court or the collection agency to give me a chance to respond or try to fix or settle this matter. 

I need help to stop this levy on my bank account and settle this issue if possible, although I was told by the court clerk that it has been since XX/XX/XXXX which I don't recall.

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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hello, I would like to dispute these hard inquiries that has shown up on my credit report : Here is the reason why XXXX. XXXX ( I am not certain who this is? ) XXXX, OH Inquired on : XX/XX/XXXX I did not give this company my permission to look inside my credit. I have not applied for any loans, credit card or any of the sort. There is no amount to report 2. XXXX Inquired : on XX/XX/XXXX I did not give permission for this business to look inside my credit I have not applied for any loans, credit cards or any of the sort There is no amount to report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a HSBC Advance Account with a {$10000.00} deposit at the HSBC Milpitas, CA branch. The terms and conditions were discussed and most specially the Referral promotion. I then secured a referral code online per bank instructions. 

On XX/XX/XXXX, I referred my husband and he opened an Advance Account with {$10000.00} and the referral code was presented and recorded by the bank employee. The terms and conditions were explained and we were given a written copy. The bank employee was aware that we have had HSBC accounts previously which we closed in XXXX. We were assured that we met the requirements as the condition was " The individual you refer must not currently hold nor have held in the past 365 days, any consumer account ( including but not limited to deposit accounts ... '' The promotion states a {$100.00} each for the 1st-2nd referral and the referred individual was to get a {$250.00} bonus ( Advance account ). Fulfillment of these bonuses is within 8 weeks from the date the new account is fully funded. See attachment. 

In XX/XX/XXXX, I started inquiring about the bonuses as it was past the 8 weeks. I called customer service several times and made personal visits to the bank. Customer service agrees that we qualify for the referral bonuses but the HSBC Milpitas branch manager after 4 weeks of waiting said that the Marketing Department has the final say on this matter and they say that we do not meet the now '3 years ' requirement for previously held accounts ( although it was printed 365 days in the advertising materials posted all over the bank from XXXX to XX/XX/XXXX ). I never dealt with the Marketing Department before or their name mentioned in our conversations when the bank processed our accounts and took our {$10000.00} each deposits. We were never informed that the Marketing Depatment has the ultimate decision over these accounts.

The Marketing Dept could not be reached directly and the bank employees will not provide a telephone number or contact info when we requested it numerous times. 
I believe that HSBC has deceptive, misleading and fraudulent banking practices to the detriment of the public consumer. I believe that there are others like us with similar experiences as evidenced by similar online complaints. 

I have tried to resolve this problem with them but we have reached a point where an independent federal agency like the CFPB  must get involved to make sure the rules are enforced and that banks and financial institutions operate in a fair and honest manner..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I previously disputed both referenced accounts above on XX/XX/2018 with a dispute letter included in this dispute to XXXX XXXX, XXXX. The XXXX credit report dated XX/XX/2018, report # pg. 21,22 shows the debt collector at the time was XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, for account # {$1000.00}. 

A XXXX credit report dated XX/XX/18 enclosed with this dispute on pg. 4 of 6 results shows the account # {$1000.00} was deleted! 

Account # for {$690.00} was also disputed along with the previously disputed letter to XXXX XXXX indicated in the letter. 

Now I notice these items have been reinserted on my credit report under COMMONWEALTH FINANCIAL SYSTEMS, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX. 
Also, the account under collector, COMMONWEALTH FINANCIAL SYSTEMS for {$690.00} is the same account under account # for {$690.00} was also disputed at the same time as account # for {$1000.00} In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
DON '' T ASK FOR THE SAME INFO THAT'S PROVIDED HERE TO SUBSTITUTE AS A RESPONSE!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mo, XXXX last 4 SSN # XXXX DOB # XX/XX/XXXX CFPB advised that they provided the info you have already asked to find my credit file. So there's no need to ask for it again & claim that is an actual response. Violation # 2 I have attempted on 4 occasions to get the incorrect reporting resolved via XXXX & XXXX. Each time they " claim '' it was verified via XXXX XXXX XXXX ( XXXX & XXXX ) and the account is never corrected. It has been public knowledge that XXXX XXXX XXXX has been negligent in erroneous credit reporting. In my case, I was NEVER 90-120 days late, the account was transferred away from them, however, XXXX XXXX   XXXX continued to report it as 120 days late. Further, how could I be on time XX/XX/XXXX, then XX/XX/XXXX, I am then now 120-149 days late?! That's is not mathematically possible. If the dispute was actually handled & investigated at all, that would have been easily discovered that if someone human actually put their eyes on it to see.This is reported 9 times on this account From XX/XX/XXXX-XX/XX/XXXX. This has done severe damage to my credit access.Please remove these 9 erroneous delinquent entries on my credit 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 2019-03-05 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: OH

Complaint narrative:
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

FCRA I demand the following accounts be verified or deleted immediately. 
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 2019-03-05 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: CT

Complaint narrative:
On XX/XX/19 I filed a CFPB complaint # XXXX, In pure regards to the validity of a unverified debt XXXX XXXX XXXX stated that I owe. 

On my credit monitoring service today on XX/XX/19 I received a notification that there was a decrease in a collection account that I supposedly paid XXXX XXXX XXXX at lease {$1.00}. I have never contacted this collection agency directly outside of this platform " CFPB '' to address my concerns. 

This company has reported to Transunion according to my monitoring service that I personally made a payment towards this account which never happened. 

Therefore, I'm asking for XXXX XXXX XXXX to provide proof of payment and method of payment made by me as reported to Transunion.

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 2019-03-05 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: TN

Complaint narrative:
My identity was stolen and numerous accounts have been opened. I am trying to get a new SSN but this has been quite difficult. Sent Experian an FTC ID Theft report, proof of ID, and police report. They removed all but 4 of the accounts. They claim the furnisher verified my name, SSN, and DOB. This is obviously the information stolen, yet Experian won't remove these accounts. There are also 4 inquiries and several addresses I have never been associated with. I am attaching a new FTC ID Theft Report, Proof of ID, and list of the incorrect information.

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 2019-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage company XXXX XXXX no longer opens as XXXX instead https : XXXX, looks like a scam, no one seams to be aware that perhaps XXXX  no longer exists, I WANT TO MAKE MY payment on time and NO ONE is aware of this, yet when I manage to contact them XXXX they ask for my loan #, I gave it to them and they kept saying NO you do not have a loan with us, and next they ask for my SS. to that I did not accept, again it is a mess this looks like 2008 again and they purposely transfer you to the automated system, if you say the wrong thing this will place you on hold, yet if you want to buy or you pretend to be a buyer the answer is immediate, and the loop starts again .... 
On XX/XX/XXXX at XXXX I have tried again and again and no one knows what the XXXX is happening .... great XXXX XXXX Supervisor `` believed that the loan was purchased '', ... " we buy thousands and thousands of loan / portafolios '' stated the previous rep, Mr. XXXX stated that transferred to another " live licensed rep '' at the end of the call " sorry the representatives are gone for the day. ", Gentlemen, this really XXXX  looks like 2008 again, this is destroying AMERICA and is happening during you watch, I hope someone does something about it, I can not imaging man and woman in uniform dealing with all this red tape, when instead of returning to his families they have to spend days trying to " PAY ON TIME THEIR MORGAGES ''. but you can always call Mr. COOPER .... right? sorry I forgot since is so big SO BIG you can do nothing about it. 
Sad ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received a credit card from Synchrony Financial. Theres seems to be activity on the card which was not by me. I keep calling the customer service number to report fraud and the operator keeps telling me that number doesnt exist. I have called three different numbers, that have taken me to the same operator and every time I have tried to report fraud the operator tells me that the number does not exist. As such, I cant submit my fraud 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 2019-03-05 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: OH

Complaint narrative:
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
FCRA I demand the following accounts be verified or deleted immediately. 
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