vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 

- I sent a letter to remove this inquiry to the creditor on XX/XX/2021 and have not received a response. It is now past 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I paid of my car loan in early XXXX. I received my new car title with the lean released in late XXXX. 

My credit report still reports a balance and that the account is active. This is not the first time Ally has fallen behind in updating my loan status.

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 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, XXXX, XXXX, AND EQUIFAX, are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: NY

Complaint narrative:
In a nutshell, the company Blockchain.com has been maliciously taking advantage of their customers with misleading XXXX verification methods. The company is purposely sabotaging its customers, making it extremely difficult and time consuming to try and verify ones identity, all in hopes that the customer will either give up or fail so that they company can keep the funds and remove them to a different wallet. 

The situation started XX/XX/XXXX. As i tried to move my bitcoin from my normal blockchain wallet, which at the time of sending was worth {$4000.00}, i noticed the transaction was stuck on pending for a long period of time. Shortly after, an email had arrived stating that i need to verify my identity to remove the money from my wallet. I have been using the wallet since XX/XX/XXXX, and not once have I EVER been asked to verify. Upon further research, i discovered that the site blockchain.com, suddenly had a policy that if more than {$1000.00} was sent, then verification was needed ; including your ID, a selfie, and a bank statement/utility bill. First and foremost, To date, i have sent well over {$1000.00} at any given time, dating back to over 3 years ago, and as recently as this Spring/Summer of XXXX, so for this arbitrary demand to come out of nowhere, it all seems extremely suspicious. 

As i begin to start the verification process, i start to notice how complicated and convoluted the process was. I have completed XXXX on numerous crypto exchanges, and they are all relative easy and straightforward. Blockchain.com sends multiple emails requesting the same info, dead links that wont let you upload, and has the response time of snail mail, when email should be a quick and easy process. Also, being a bitcoin exchange, they should be fully operational and responsive 24 hrs a day. There are no banking holidays, and exchanges do not close. After recently receiving over XXXX XXXX in fundraising early this year, you would think the company would function a lot better. But unfortunately, i have continued to jump over hurdle after hurdle, filing numerous support tickets, and constantly going back with their XXXX Support specialist, to still not have my money transfer sent through or a resolution to this problem. 

Further investigating also showed that there was a pattern of similar scenarios via review sites like XXXX. MULTIPLE customers have complained of how complicated the KYC process is, and that money from there wallet has disappeared when waiting to complete verification. All this put together, you can see the company needs to be properly vetted and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
We have been Chase customers for a very long time. We wanted our mortgage to be through them for ease of payment.

W scheduled an in-person meeting at Chase and sat down with a personal banker. We then waited 9 days to get a call back from Chase regarding starting our loan. We already had an accepted offer. 
We got everything done pretty speedily. We let them know we were going back and forth between primary and secondary home, since we had some family issues going on and were unsure of how long we would be in Wisconsin. 
Everything was set to close on XX/XX/2021. 
They then scheduled the appraisal for XX/XX/2021. We attempted to get an appraisal waiver, but they advised that had to be at the discretion of XXXX XXXX. They then got the appraisal expedited, but charged us {$1600.00}. An appraisal generally costs around {$500.00}. They also initially charged {$1100.00}, but then increased it to {$1600.00} at a later date. 
Worked with XXXX XXXX, who was extremely difficult. Also worked with XXXX XXXX. Both had promised several letters and articles we sent them would work for information on our jobs/working from home. 
Chase got hung up on getting a particular letter, which we advised we don't have/could n't get. Instead of changing the loan to a secondary home, which is also appropriate, as it's not our permanent state of residence, they pushed closing out a week. 
Didn't end up closing until XX/XX/2021. Had to pay {$800.00} XXXX {$100.00} daily rental ), due to Chase not closing on time. 
Also were promised that if they didn't meet the closing on time, they would waive the closing costs. That never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
In XX/XX/21 I sent a letter to caine and WEINER to verify this debt. The letter was received on XXXX it was sent by certified mail receipt # XXXX. I never received a response or follow up on my letter ... let me say that again I never received a response from this company. This company would love to lie and say they sent me a letter regarding this account ( I would love to see that proof ). As you can see were almost in the month of XXXX. Its been pass 30 days this is a violation Im requesting removal of this account. Not a XXXX dollars but for you guys to honor my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
For over one month, repeatedly, and throughout the day, I receive a call from XXXX at Midland Credit, phone number XXXX XXXX and more recently from an unknown number. 
When I accept the calls she explains that I owe a debt and asks me how I am going to take care of it. She does not provided any additional information. This supposed debt collector has never once left a voice message with further details nor have they sent any written information by mail. I called XXXX and they have confirmed that there is no record of this debt collector on my credit report. I once tried reaching Midland by phone and instead of reaching a main line that stated the name of the company, my call was answered by a male voice who stated only my first name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: TX

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: NY

Complaint narrative:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In response to my repeated requests for payment information related to my loan, I was repeatedly sent private information for other Mr. Cooper customers. The employees at Mr. Cooper repeatedly did not listen when I told them what they were doing, and continued to send me private information for other customers. I believe this is a crime. 

In addition, I paid off my loan, it was confirmed that I had made the final payment, and Mr. Cooper subsequently called me to demand additional funds. It appears that one of my previous loan payments made prior to receiving and satisfying a misrepresented payoff estimate I received and paid via wire transfer was also misrepresented as processed and paid in full by Mr. Cooper. Because of these misrepresentations, I suffered a great deal of XXXX  XXXX, incurred investment losses, incurred transaction fees, and have nearly lost my home due to Mr. Cooper 's delay in processing and reestablishment of my VA loan eligibility. I am happy to discuss with a reasonable adult. 

These are violations of the Deceptive Trade Practices Act, common law, and likely also of criminal law in several respects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: OH

Complaint narrative:
- XX/XX/XXXX fridge installed, Order # XXXX - XX/XX/XXXX contacted XXXX XXXX as directed by delivery agent because there was no freezer handle. In addition there were scratches on the unit from the packaging and instillation. 
- Best Buy was unable to request a freezer handle from the manufacturer and ship it to me. I had to contact the manufacturer myself and get a freezer handle. For the inconvinece they offered to price match a competitor. 
-For the scratches, if I kept the unit they offered a 10 % discount -Total discount of {$560.00} was supposed to be credited to my BEST BUY credit card, which was used to make the purchase. 
- I have received two billing statement and still received no refund. 
- I received emails on XX/XX/XXXX saying they processed the refund, but nothing. 
- I have called them on XX/XX/XXXX, XXXX, XX/XX/XXXX to try and resolve I also chatted on XXXX XX/XX/XXXX In all instances I was on the phone for over an hour or chat and they all said they didn't have the authority/ability to refund. One supervisor did state he didn't care that a previous team member made the agreement, he would not honor and would not escalate further. At this point I would consider this a bait and switch to keep a damaged unit.

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 2021-08-20 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: AZ

Complaint narrative:
Since XXXX Ive been fighting with the credit bureaus to remove all of the inaccurate information and collection accounts that are listed on my credit due to fraud and me being a victim of identity theft and Experian has refused multiple times after calling, certified with signature required requests to remove the inaccurate information and accounts from my credit. I even provided an official police report that deemed that they agreed I am a victim of identity theft and I provided 2 valid forms of identification and they have yet to remove them. Per FCRA laws any information that is not accurate must be removed within 30 days. Which it has been over 30 days its been over a year!!! Experian has also failed to provide the proof on how the information was verified which they have to provide which they have failed to do such as well. They even provided me an alert stating that my information was found in the dark web and I could be a victim of identity theft!! I have reported this to the IRS as well because someone tried to file taxes under my social. All I am asking if for them to do what is right and follow the law as I have rights to protecting myself. 

I am stating from XX/XX/XXXX that I no longer would like any accounts reported to 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 2021-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

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 2021-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Never received written notification of the old debt. Found it as a charge off on my credit report. Contacted the organization to pay to obtain a goodwill pay for deletion. I made payment to the collection agency and they never sent me a receipt showing that I paid and that they would do the goodwill receipt and that was a deceptive practice just to get money from me and is further impacting my changes of obtaining my current underwriting of a mortgage. I paid with my debit card showing I paid but they have not sent me the information of receipt ad promised

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 2021-08-20 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: Bay Equity LLC
State: GA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 

- I sent a letter to remove this inquiry to the creditor on XX/XX/2021 and have not received a response. It is now past 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: DISCOVER BANK
State: GA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 

- I sent a letter to remove this inquiry to the creditor on XX/XX/2021 and have not received a response. It is now past 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AppFolio, Inc.
State: NJ

Complaint narrative:
AppFolio XX/XX/2021 Credit score provided to Landlord is significantly different than the actual score reported by XXXX. AppFolio uses XXXX to provide landlords with report scores. This situation will hurt the needs of Americans trying to secure housing. Unfortunately, companies like AppFolio are charging fees to provide inaccurate information to landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Reference number XXXX This was my second denial for an amazon XXXX visa XXXX account denied by chase bank. The first attempted exposed holes in my credit report including collections, outdated adress, bad information that needed disputed. I fixed these issues with a series of actions. By the time i resubmitted my application, my credit report had changed drasticly and this chase amazon XXXX  card was going to be my 3rd credit card. 

They denied my second application using info and scores provided by my first application ( before i had corrected info with the credit bureau ). And while XXXX  XXXX approved my application, chase amazon XXXX did not. I feel like i have been discriminated against for having XXXX durring a pandemic. ( Info that i disputed with credit bureaus and was granted judgemnet in my favor ). XXXX  folks stopped working XX/XX/2020 but fed gov didnt pay them payrol benifits until XX/XX/2020 forcing some very XXXX people to fend for themselves in a pandemic. Some things didnt get paid on time due to a natural disaster. I disputed this info with credit bureaus and my dispute took those off my report. Chase bank is still holding it against me. This is discrimanation and it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Rejected my XXXX XXXX Deposited Check on Friday XX/XX/2021 which is like money, relatives paid for it and It should have been processed properly. Capital One terrible checks scanning machine, please see all related attached documents, omitted my name from XXXX XXXX Check I deposited, teller did not follow the process, the machine did not scan my name and my money is not cleared yet. Capital One still rejects to clear or return the money. I emailed their CEO XXXX XXXX, so ironic his name is " XXXX '', emailed their Abuse Department, but nothing so far. I provided all the evidence needed the following day, on Saturday the XXXX of XX/XX/2021, after getting a message that the deposit was not being processed- as I mentioned above- again, manager by the name of XXXX XXXX at that branch in XXXX, Virginia, brought the deposited check with my name on it but still refused to clear or follow up. I offered everything I could to make it happen. Again, On Saturday XX/XX/2021, Capital One employee XXXX XXXX was so hostile, threatened to " dismiss '' me from your bank all because I was checking on my money. I was going to call the police, record the incident but I did not. Right now either Capital One clears the deposit or return the XXXX XXXX check to me, it is like Cash, it is my money and I need it, my relatives paid for it and sent it to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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