vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XX/XX/XXXX, I opened a Chase Ink account for my XXXX XXXX, XXXX XXXX. I wanted to compound the points we had earned on our Chase Sapphire card with the XXXX points I would earn after spending the required amount on the Ink card. 

We received the card. We spent the requisite amount. We received the XXXX points. We then stopped using the Ink card and resumed using the Sapphire card. 

In mid-XXXX XXXX, we logged in to Chase Ultimate Rewards and discovered that the Ink card was no longer on our account. The Sapphire card was there. The Chase Freedom card, which we also never use, was there. But the Ink card was gone, and with it, the XXXX points we had earned. 

In mid-XXXX  XXXX I called Chase Customer Service twice. They informed me that the account was closed in XX/XX/XXXX due to inactivity, and that in XXXX, we were sent a letter that the account was closed and that we had 30 days to use or lose our XXXX points. We did not receive that letter. After speaking to a supervisor, I requested that any correspondence documenting Chases intention to close our account be re-sent to our address. We still have not received anything. Chase certainly has our mailing address, as weve been receiving and paying our Chase bills for many years. 

On XX/XX/XXXX, on the advice of the Chase Customer Service representative I spoke to, I wrote to the Chase Executive Office to request that Chase return the XXXX points we earned to our Chase account. There was no reason to close the account ; we were not delinquent on any payments, and we did not even have the opportunity to pay the yearly fee. We still have never received any letter or other communication indicating that our accountand the points with itwas vulnerable to being closed. 

In that letter, we asked XXXX to respond within a week of receiving the letter or we would report this complaint to the CFPB, which we are now doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I live in California. On XX/XX/XXXX in California time, I submitted 2 payments selecting XX/XX/XXXX as the payment date on the Ally app. One for {$28.00} and another for {$23.00} both to the same biller : XXXX Credit Cards. 

I submitted the payment and then received an email from Ally that I submitted 2 same day payments and would be charged a {$9.00} fee for each. The issue was timezones as Ally uses Eastern time. 

I don't have issues with the timezone cutoff, but my issue is that I was not warned that a fee would be charged for those payments or else I would not have submitted 2 payments for such small amounts to the same company each triggering the {$9.00} fee! 

Prior to that email, I received no warning that I was either making a same day payment nor that I would be charged a fee. I was also unable to cancel the payments. 

I contacted Ally immediately and asked them to assist. I offered to show them exactly what occurred and they declined to walk through it with me on the phone but said I could upload proof via their secure messaging system. 

I captured a video showing the issue, as I was able to replicate it again but then when trying to upload the video their secure messaging system only accepts images. 

The issue with screenshots is that I'm trying to how proof of not being warned of the fee, which is not something a screenshot can convey, that something is missing .... 

I uploaded some screens anyway and they said they found no issue, the problem is that it's only apparent in a step by step video. 

I called them back today asking if I could send them the video via email or some other means showing everything end to end and they stated that they're unable to accept any kind of video and that their decision was final. 

In essence, they are unwilling to even review my video proof of the issue, refused to acknowledge the issue and would not refund the fees. This is appalling especially when it involves charging customers fees that they then can not escape. I think this could be a UDAAP violation. 

I have attached video showing that I was able to replicate the exact issue minutes after those payments were created. The app showed XX/XX/XXXX as PAY TODAY and that selecting XX/XX/XXXX did not trigger a same day warning or any kind of fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION, XXXX, and XXXX  each has reported a collection account including from XXXX XXXX XXXX   ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and any other putative creditor in connection with hospital care related to her minor children. All those medical services are required to be covered under California XXXX XXXX XXXX XXXX XXXX ( XXXX ). TRANSUNION, XXXX, XXXX and their medical professional agents fail to understand that as a patient undergoing non-elective treatment they are a ward under the physicians care. In other words, a baby rushed to the emergency room because of a high fever simply can't receive a hospital bill later because the attending medical staff merely overlooked the health insurance mandate for children in the state of California and failed to enroll them.

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 2020-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I scheduled a monthly recurring request for an ACH transfer from my savings account at another bank ( DCB  ) to my business checking account at USB for deposit every month on the XXXX of each month. 

The money is withdrawn from my account at DCB on the XXXX   but not deposited to my account till the XXXX. WHY? 

I believe that USB can not hold my funds illegally for 3 days FOR NO REASON. 

In this day and age when I can transfer funds electronically in seconds by XXXX and other intermediaries, why are ACH transfers taking this long? I have had other banks deposit such transferred funds the very next day. I believe this " SITTING '' on my funds is illegal and should be investigated at USB.

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 2020-02-05 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have never had a vehicle loan from this company! they have the wrong person ( identity theft ) SMH

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This company, Phoenix Financial Services, has harassed me by multiple phone calls despite asking them to contact me via USPS mail, they have used vulgar and disgusting language and they call my relatives relentlessly. They will not tell me what the debt is allegedly for unless I confirm my personal information with them, however I will not do that as I do not know who they are or if they are a real entity. 
Recent calls : XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX, XXXX, XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX ( 2 calls in the same minute ) XX/XX/2020 @ XXXX There are more calls, however I cleared my call history and the above are the only ones I did not delete. Their " employee 's '' are rude, nasty, yell at you and use vulgar language.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
In XXXX, after Hurricane Irma, we were approved for a Disaster Loan Modification ; we continued with monthly payments. Few months after the modification, we called the bank to ask for the whereabouts of the modification funds, and we started receiving statements with threats of foreclosure. In XX/XX/XXXX, we sent packages with copies of the Disaster Loan Modification and payments made to Home Point and to the HUD   offices in Washington and XXXX. In XX/XX/XXXX, we submitted a claim to the CFPB ( Claim # XXXX ). Within 10 days, we received a letter from HUD determining that " Home Point Financial delayed in completing the Disaster Partial Claim option '', and that the credit would be corrected. We also sent the same package to the lawyers that initiated the foreclosure on the bank 's behalf. 

To this date, my credit report still displays over 150 days delinquency, and when we call the bank to request information about the reason why it hasn't been corrected, the bank representatives stated that there are no records or letters in our file. Not even the foreclosure! We decided to fix our credit ourselves but the credit bureaus are asking us for the letters from the bank with detailed explanation on the dates and reasoning for the reported delinquency. We can't find a person in that bank to provide us with this letter. We spoke with a supervisor in XX/XX/XXXX and provided him with the letters sent by the HUD and Home Point. No answer or call back.

They lied to the CFPB, to the HUD, and to us when they stated they would correct our credit by removing the delinquency that they generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau a dispute letter in regards to these accounts on XXXX, refer to attached document, asking that they be removed. Please note investigative results report should have been done by XXXX. To date, I have not received a report which is in violation of the FCRA. 

I had filed an Identity Theft report, refer to attached copy of filing document. You may call the police department to confirm the filing legitimacy. Please be advised I have a {$600000.00} residential home escrow pending cancellation by XXXX unless these accounts are not immediately deleted. I would prefer this to handled without litigation and damages

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 2020-02-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount {$45000.00} on the US DEPT OF ED partial account number ****XXXX and a collection in the amount of {$38000.00} on the US DEPT OF ED partial account number ****XXXX. ( Please see page attached from my credit report. ) The balances reporting are absolutely incorrect. On account ending in ****XXXX the credit limit was {$13000.00} and now the past due balance is being reported at {$45000.00}. On account ending in ****XXXX the credit limit was {$10000.00} and now the past due balance is being reported at {$38000.00}. This false reporting of collections is seriously harming my credit score and these accounts need to be taken out of collection status and the account balances need to be reporting accurate information! Please update and/or remove these line items from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding # XXXX is reporting a balance on my account that should not be there. I have paid this account in full and it needs to be deleted off of my credit report or fixed to show a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount {$45000.00} on the US DEPT OF ED partial account number ****XXXX and a collection in the amount of {$38000.00} on the US DEPT OF ED partial account number ****XXXX. ( Please see page attached from my credit report. ) The balances reporting are absolutely incorrect. On account ending in ****XXXX the credit limit was {$13000.00} and now the past due balance is being reported at {$45000.00}. On account ending in ****XXXX the credit limit was {$10000.00} and now the past due balance is being reported at {$38000.00}. This false reporting of collections is seriously harming my credit score and these accounts need to be taken out of collection status and the account balances need to be reporting accurate information! Please update and/or remove these line items from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-05 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount {$45000.00} on the US DEPT OF ED partial account number XXXX and a collection in the amount of {$38000.00} on the US DEPT OF ED partial account number XXXX. ( Please see page attached from my credit report. ) The balances reporting are absolutely incorrect. On account ending in XXXX the credit limit was {$13000.00} and now the past due balance is being reported at {$45000.00}. On account ending in XXXX the credit limit was {$10000.00} and now the past due balance is being reported at {$38000.00}. This false reporting of collections is seriously harming my credit score and these accounts need to be taken out of collection status and the account balances need to be reporting accurate information! Please update and/or remove these line items from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL

Complaint narrative:
I received a debt collection phone call in XX/XX/XXXX which they were told that I didnt owe any money and the call was disconnected. I received a letter ( XX/XX/XXXX ) with interest added from IQ DATA International attempting to collect debt for an address that I never resided. In addition this company is not licensed in the State of IL to collect debt and is not in compliance with the law. They have placed a collection on my credit report and I would like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
Barclay card I submitted a complaint via the CFPB website on XXXX XXXX with your company and a lady by the name of XXXX responded back and she gave me information about tow companies who I could contact about two charged off barclaycard accounts I spoke with both companies and they state that they do not have these account in their Possession.your company should have enter the name of these companies when you closed this account I took the the FTC website and it clearly state that you must enter this information on the consumer report I have reports from all 3 credit reports from XX/XX/2019 that I will be more than glad to submit you. Showing that you never entering the req information by law. I asked you to please remove XXXX and XXXX as you have hurt my my ability to obtain employment or anything in my name to to your companys negligence please remove these accounts today

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 2020-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance on my account that should not be there. I have paid this account in full and it needs to be deleted off of my credit report or fixed to show a XXXX  balance.

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 2020-02-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance on my account that should not be there. I have paid this account in full and it needs to be deleted off of my credit report or fixed to show a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, EQUIFAX, and XXXX  each has reported a collection account including from XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) and any other putative creditor in connection with hospital care related to her minor children. All those medical services are required to be covered under California Children 's Health Insurance Program ( CHIP ). XXXX, EQUIFAX, XXXX and their medical professional agents fail to understand that as a patient undergoing non-elective treatment they are a ward under the physicians care. In other words, a baby rushed to the emergency room because of a XXXX XXXX simply can't receive a hospital bill later because the attending medical staff merely overlooked the health insurance mandate for children in the state of California and failed to enroll them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, XXXX, and EXPERIAN each has reported a collection account including from XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) and any other putative creditor in connection with hospital care related to her minor children. All those medical services are required to be covered under California Children 's Health Insurance Program ( CHIP ). XXXX, XXXX, EXPERIAN and their medical professional agents fail to understand that as a patient undergoing non-elective treatment they are a ward under the physicians care. In other words, a baby rushed to the emergency room because of a high fever simply can't receive a hospital bill later because the attending medical staff merely overlooked the health insurance mandate for children in the state of California and failed to enroll them.

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 2020-02-05 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: MI

Complaint narrative:
I have never had a vehicle loan from this company! they have the wrong person ( identity theft ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: MI

Complaint narrative:
I have never had a vehicle loan from this company! they have the wrong person ( identity theft ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: MI

Complaint narrative:
I have never had a vehicle loan from this company! they have the wrong person ( identity theft ) 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