vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express Membership Rewards Program states on their website that if you book a trip with Membership Rewards Points and cancel the trip the Points will be returned to your account in the form of a statement credit.  American Express will not issue credit to my account as their Membership Rewards Program states.  I spoke to XXXX (Supervisor) and she was going to forward a request to the website department to change the wording online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX I deposited a check for  $XXXX  #XXXX into my grand daughters (XXXX  XXXX) checking account. In order to make the deposit I went into the chase branch on XXXX  XXXX  in XXXX  Louisiana used the side of the counter to write my check and handed it directly to the Chase teller. There we no people around that could have seen my check. The check was accepted and the money was credited to her account..This was a friday afternoon. On XX/XX/XXXX a check cleared my account for the sum of  $XXXX cleared my account which was with XXXX   XXXX. This check which you will note was apparently washed and numbered #XXXX  the last two numbers transposed.Then on that same date a third check for the amount of $XXXX numbered.#XXXX  was also presented to clear my account.but was flagged as fraud by XXXX XXXX  an I was contacted.. This third check was numbered #XXXX   sequential to the first check which cleared.and appears to be a copy of the initial check washed except for my signature. A third fraudulent check in the amount of $ XXXX  .was presented again to XXXX  XXXX  and was identified as fraud. The first two checks that cleared were put into my grand daughters account with Chase. Unknown to me at the time she noticed that there was money in her account that was not hers and attempted to contact Chase. She was unable to get any explanation from Chase and wisely withdrew all of her money leaving  $XXXX  in her account. XXXX  is a college student and did not have any access to my check as she is away at college,. My initial check was only in the hands of first a teller then chase them selves. I am told that the original of the check usually stays a the branch where it was deposited. It is very apparent that check fraud occurred within Chase bank as no one else could have had that first check to wash it. Our only explanation is that the intent was to back the money out of XXXX  account and steal the amounts.. XXXX   and my self were able to get a chase representative on the phone to explain what had happened. The Chase representative during that conversation agreed that this check fraud must have happened within Chase Bank.  Due to this check fraud which appears to have been done within Chase both XXXX and my self have had to close our accounts. In doing so items that were usually automatically drafted from my account have been rejected due to me having to close my account which has been the same for over 20 years. This has required much time to correct. Also both my and XXXX  identity have also been compromised as the only thing missing to completely steal our identities are our social security numbers. This exposure was totally caused by fraud which happened within Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Western Union ( WU ) allowed for my information to be stolen and used online to transfer a vast amount of funds from my CC to a person located in XXXX, the first attempt was successful, the immediate second attempt was rejected by my bank. 

I disputed the transaction using the Chat system WU provides and was told by " XXXX  XXXX. '' that since the funds were already picked up, that there was probably nothing they could do about the incident. 

I was directed by the same person to place a fraud complain online at WU.com, when I did, I continuously received the message that the " MTCN Number '' was a duplicate thus not allowing for me to make the fraud report/complaint online. 

It is not the first time one of WU 's IT suppliers is hacked which causes much suffering on us victims. I have officially lost all of my faith and trust I had in Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MECHANICS BANK
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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:
Hello! For months since XX/XX/2019, XX/XX/2019 I have been asking and requesting that the company XXXX XXXX also known as XXXX  to please verify that the item reporting on my credit report is accurate. They would send me a letter saying that it is without proving it via my formal request to show me my signature. I would then follow up in the following weeks and months there on and ask them to please provide me with my signature baring my name binding me to a contract with them per. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) It would read : This letter is in response to your recent claim regarding Acct # xxx, which you claim I owe XXXX. 

I then explained to them and said ... Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification ... 

Yet they havent provided me with any of this information however its still being reported against the law. 

I last mailed off letters last month XX/XX/2019 and they have yet again to provide me with any proof or reason to show how this account belongs to me. 

I have all receipts on the certified letters I have saved.I have also called to dispute this items with the credit bureaus more than once.

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 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
myEquifax. NUMEROUS online complaints in regards to this exact issue w/ myequifax online accounts. 
- Attempting to create and access 'myequifax' online account - ability to freeze and unfreeze credit report online. Unable to log in to myequifax account. Unable to reset password, etc.
XX/XX/19 - "Issue with account". Asked to fax copies of SS card and DL Completed.
XX/XX/19 - Called myequifax - was told that my info had been received, but that my account was never updated. Same date - via phone (XXXX) they updated e-mail address and asked me to try to reset my password again in 24 hours. They also "thawed" my report at my request. I requested a thaw through XX/XX/19. 
XX/XX/19 - myequifax told me that my account was never created and that myequifax is escalating to a supervisor. Wait 7 to 10 business days... (Although I was told previously that my account had been created). I was also told that my report had actually only been thawed for 24 hours - ending on XX/XX/19... Contrary to my request of XX/XX/19. 
XX/XX/19 - AGAIN myequifax via phone tells me that my online account is created. But that there is an "issue" with the account... "We are escalating to a supervisor". Wait 7 to 10 business days. 

XXXX (myequifax) seems to go to an overseas call center. VERY loud and VERY difficult to understand agents - talk very fast and difficult to understand them. Agents are using alias names. Seems that with such sensitive info that this is not a good process... 

No resolution to date. 

No issues with XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit Management has called my wife 6+ times a day from a blocked or restricted number.  They continue to call me from the same restricted number despite being advised they cannot reach her at this number.  These calls are being auto dialed, which I specifically told them we do not accept.  There is often no one on the other line,  or a 15 second delay while they connect.  By blocking their number intentionally,  they limit their capability to be held accountable for TCPA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I reviewed my XXXX  credit report and noticed a collection account that does not belong to me from Transworld Systems for an amount of $XXXX. I am in the process of refinancing my home and this derogatory item will hinder my chances of obtaining a fair interest rate on my loan. I have never had a collection account or owed any company anything in the past, so this process is new to me. Please remove as soon as possible this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Closed (paid off) my FHA loan XX/XX/2019 (have an escrow account refund due within 20 business days) First Freedom Mortgage sent it to the old address so I was told I have to wait 30 days before they can reissue another check. After 31 days, I called them to reissue the check. They stated it'll take 10 days for the process. Called them 11 days later as I hadn't received my refund check. They said they didn't have the right address (even though it was already provided). They said they'll reissue, I'll have to wait 10 days again. Again, no check, called them, their notes indicate they don't have the correct address and I'll need to wait another 10 days for a reissue (correct address has been provided MULTIPLE times with reps validating it each time I called. I demanded an escalation and rapid refund to over night a check to correct this issue. Was told "policy" is 10 days. It's been 43 business days, 64 calendar days for an escrow refund which has to be refunded within 20 business days. This is 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 2019-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I just changed my XXXX  mobile phone number four days ago and every day since than I have received a call from this company called Sequium Asset Solutions. I block the number and they continue to call from other numbers identical to the previous. This last time I called the number back to ask them to kindly stop calling me because the individual they was looking for no longer has the number they are calling which is how I know who this company is. Upon calling I was immediately greeted by a prerecorded message stating this number owes $700  plus for something, I remained on hold to speak to a representative but I was never connected and I hung up. I have no idea who had this number before me but I am not the person this Sequium is looking for and wish for them to stop harassing me. Calling everyday from a new number is annoying considering I just received this number from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I did voluntary surrender on the vehicle and was advised that the car would be sold and I would owe the balance due after the sale. Chase Auto reported the full amount was due even though they have the vehicle and auctioning it off. I have not received any updates on the sale price they received from the auction. yet the entire balance was placed on my credit. The car should have been reported as charge off after the sale and any monies they received. I have included documentation sent to the corporate office as well the XXXX showing the balance was $ XXXX-but reported for a higher amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclaycard refuse to lower my interest rat, causing me extreme hardship. I have requested printed statements and they refuse to send me a printed statement. I usually require assistance to go online, whereas a paper statement I can read.

BARCLAY BANK DELAWARE

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 2019-12-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have written US Bank numerous times about a {$1300.00} fee that was charged to my account on XX/XX/2019. This was " advance '' billing for some potential foreclosure costs that never actually took place. I originally argued with US Bank that charging this fee on a {$50000.00} loan was unreasonable. It is but i have learned since that RESPA requires the underlying work that actually underpins the fee must have been completed in order to bill the customer the fee. In many letters I have indicated no court fees were ever incurred and the lawyers never got the material from US Bank to start the foreclosure paperwork and I paid off the loan balance due before that. US Bank has no justification for this fee and needs to refund it.

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 2019-12-13 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I used my COSTCO CITI CARD to give a tree surgeon an $XXXX  deposit to remove a tree from my house.  CITI CARD then allowed him to fraudulently place an additional $XXXX  on my card without my agreement, knowledge orauthorization.  I had no idea nor did I sign or even give verbal authorization regarding any price for this transaction. XX/XX/19.    Tree falls on my house due to tornado.XX/XX/19      I make a claim to my insurance company- they direct me to remove tree. I call XXXX  XXXX  XXXX for quote.  He says he will proceed with $XXXX  deposit, which I authorize.I advise him that insurance adjuster has to decide on balance, he agrees and says he understand how this works. XX/XX/19.   XXXX  removes ONE tree. He some how charges my CITI CARD $XXXX  that SAME DAY.  CITI would later tell me they thought it was ok, since he had my number.I try and explain to them their error- they seem clueless, but always agree with my position of fraud for this unauthorized charge.When CITI CARD statement arrives in XX/XX/XXXX, I   immediately file a disputed charge with them.  They accept my complaint and agree. They even cancel our card because they say the fraud is so serious, the amount so high.  No one at CITI can explain how this large amount was processed without any authorization from the card holder, me.I receive a request for additional information from CITI.  I DO NOT EVEN HAVE a bill to give them.  XXXX  XXXX  has  stopped answering my calls or texts.He has fraudulently taken my money.  If you look him up on XXXX, there is someone complaining he has done the same thing, for $XXXXOn XX/XX/2019 I finally get a text message from XXXX  with an invoice.  This invoice is totally false, with men and equipment listed NEVER at our property.  I have pictures and a adult witness at the scene.XX/XX/2019.  CITI CARD accepts my dispute and freezes my account.XX/XX/2019. I receive a request from CITI CARD for more documentation.XX/XX/2019.  I sent them all above information.  They tell me my complaint is so serious I have been moved to the Presidents Office in South Dakota.  I hear from XXXX  XXXX,CITI CARD, XXXX in early to mid XX/XX/XXXX.  She states she will get back to me no later than XX/XX/2019 with information regarding the CREDIT to my account.That day passes with no contact- I begin to call her every other day from XXXX to the present.  I receive no call backs -ever. On XX/XX/2019 I receive a letter from CITI rejecting my dispute.After all this time and stalling, CITI CARD has decided to help this vendor perpetuate this fraudulent transaction.  I am totally frustrated and respectfully seek you help.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 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: NY

Complaint narrative:
They called my mother after I did not respond to their phone call on XX/XX/2019. I then called back to inform them that they can not do this. They have not called again but they should have not done this in the first place

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK

Complaint narrative:
To whom it may concern, I paid in full my student Loan on XX/XX/2019. 
As of today (XX/XX/2019 ), my co-signer, still has this loan with an open status, as if it had not been paid, still showing on his credit records. 
I would like to proceed with two issues : 1. Demand Discover Student Loans to clear my co-signers loan status ( Credit report ) ASAP. 
2. Make Discover student loans pay the required economic penalties for the harm done to both my co-signer and me and for their malpractice. 

Regards

Company response to consumer: Closed with explanation