vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I could not get anyone to help me on the phone. I held for one hour and then I was disconnected 7 times!! 

Then I go online to try to dispute and it keeps referring me to the wrong dispute!!! I am requesting a phone call from Experian so I can fix this! I am trying to refinance my home! It does not have to be this hard! Please call me at XXXX. If I do not answer, please leave a name and direct line so I can call them back.

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 2020-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I am trying to login to my PHH mortgage account and for several days, I get errors and can not get logged in to check payments and balance. Their phone number directs clients to login to " XXXX '' which takes the client to a page 'click here to login to our new portal '. That quickly fails with one of a few " Internal errors ''. I've tried several times today, XX/XX/XXXX, and both days last weekend, XX/XX/XXXX and XXXX. They now have no staff on the weekends and with the current virus situation, it is imperative their customer login actually works.

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 2020-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been in dispute with 3 energy companies regarding their bad faith practices. I was constantly in dispute requesting more information. They decided to just send it to a collection agency in lieu of providing me with information I requested. These accounts never should have been sent to collections in the first place. All three companies have agreed to cancel the collection and return it to dispute with them. All three collections should already be removed from my bureau. I went online to check with Experian. All three collections are still on my bureau AND they have decreased my score TODAY XX/XX/XXXX by 5 points WHEN NOTHING HAD CHANGED. The only thing that has happened is I filed a complaint with your company about not being able to get in touch with them AND I emailed the CEO XXXX XXXX asking for his help. THEY DECREASED MY SCORE BY 5 points in retaliation! There is no other explanation!

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 2020-05-02 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: NJ

Complaint narrative:
I received an updated letter from Equifax, stating the XXXX account in question with a number of inaccuracies was updated instead of being deleted. The law does require Equifax when notified of erroneous information in any form that the item be deleted. Instead, they chose to update all of the missing information instead of deletion, ( five missing pieces of information ). I supplied the informatio in a previous complaint and I will attach the information once more. XXXX Acct Number XXXX. I have submitted numerous letters previous to this one that showed negligence on behalf of Equifax and your unwillingness to have this item removed, Instead, the item was updated, the law does not give a provision for an item to be updated, the law states that this and all subsequent tradelines, when disputed if there are any inaccuracies must be deleted. I am filling a follow-up claim with the CFPB to have this remedied immediately. 

Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My complaint is regarding XXXX XXXX XXXXXXXX. They place an unauthorized inquiry on my credit on XX/XX/XXXX, XXXX.I am a victim of identity theft and this is noted on all three major credit reporting agencies, please see below. 
XXXX XXXX from XX/XX/XXXX XXXX XXXX. XXXX This inquiry could stay on your report until XX/XX/XXXX. 

I am a victim of identity theft and this is noted on all three major credit reporting agencies, please see below. 
XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

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

Complaint narrative:
REMOVE FRAUD ALERT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
REMOVE FRAUD ALERT

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 2020-05-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
REMOVE FRAUD ALERT

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 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
My direct deposit went onto my American Express Pay card. I have been trying for a month to get my money off this card. I contacted AMEX Serve Customer Service, at least XXXX times. Been hung up on, rushed off the phone, given what I feel is false information. Such, as use XXXX, and pick your money up at XXXX, tried that, the XXXX rep could see my money, when she went to pay may the transaction was cancelled on AMEX Serve side. I tried to link it to my bank account, three times, money was never transferred to my account. The last suggestion from this company was to use bill pay and have the check mailed to myself. I did the bill pay on XX/XX/XXXX, the first delivery date was supposed to be XX/XX/20, now, I have been several delivered dates, it changes every day. I have contacted AMEX, I filed a complaint with XXXX. I my balance is now showing XXXX balance. However, I have not received my check for XXXX please see screen print. I need my money to pay my bills. Not keep getting this run around from American Express. This company has lied and I am still waiting on my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
Spoke to XXXX XXXX with Rocket Mortgage on XX/XX/2020. She declined my Mortgage application without verifying. My income and expenses were not properly verified and she rejected my application and did not call me back. She has caused damage to my credit and did not verify correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase closed this account for no good reason : XXXX XXXX XXXX XXXX. Chase closed account around when unrecognized charges were reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I called Aspire ( XXXX XXXX XXXX about my being affected by COVID-19 and not having income to pay the monthly amount due. The following day, I received an alert for the credit bureau that the card was closed. Assuming it was a mistake, I called and was informed that my card was permanently closed because it was over the limit. 

I have called several times and to no avail my account will not be reinstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: CA

Complaint narrative:
Charges on my XXXX XXXX credit card were disputed due to unauthorized charges. These charges were determined unauthorized by XXXX XXXX and I an not responsible for the charges. I have disputed this with Experian on many occasions and instead of fixing the problem they retaliated by dropped my credit score by 70 points for no reason and refuse to remove the unauthorized charges.

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 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX # XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/2008. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH TRANSUNION, XXXX  AND XXXX  WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.

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 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a citi credit card with a flex loan balance ( maturing XX/XX/XXXX ) and a zero percent interest balance on it ( zero percent expiring XX/XX/XXXX ). On XX/XX/XXXX I had enough cash on hand to pay off the XXXX balance portion and submitted the payment through their online portal. The online portal has payment options that are : 1 ) Minimum due This is the amount that is scheduled to be paid by Autopay on XX/XX/XXXX, and includes your monthly Flex Plan payment. 
2 ) Adjusted New Balance + Flex Plan Monthly Payment This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. 
3 ) Last statement balance This is the amount you owe from your most recent statement dated XX/XX/XXXX, and includes your Flex balance. 
4 ) Current balance This is the total amount you currently owe. 
5 ) Custom Amount I select option number 2, which according to the description should have paid off the zero percent interest balance on my card so I would then only have the remaining flex loan payments left. My payment was processed for option number 2, however Citi did not pay down the balance on credit card but instead paid down the flex portion of my loan. I contacted customer service on XX/XX/XXXX to have this corrected however i was told that they are unable to do that, the only option was for Citi to reverse the payment and charge me a purchase APR on it. I pointed out to them that their payment section of their website was misleading and their response was the terms of the flex loan state how payments are processed. While this may be  true, the payment section of the website is directly contradicting this. I am now in a situation when my zero percent interest expires in XXXX I will be paying a 19 % interest rate even though I attempted to pay off the balance in XXXX following the instructions on their website.

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 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase closed account number : XXXX XXXX  XXXX XXXX for no good reason. Chase closed account around when unrecognized charges were reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
On XX/XX/XXXX of XXXX I paid off my XXXX XXXX   XXXX that was financed through Ally Bank. About 2 weeks later we received the title for the vehicle and was advised that we paid more than was was owed. The payment was made to Ally from an escrow account as part of the closing of our home. The payment was made over the phone to Ally bank and my account showed a XXXX balance. We were then advised the the title company had cut a check for more than the amount due and in 7-10 business days we would receive a check for the difference. The title for the vehicle was signed and dated by Ally Bank on XX/XX/XXXX. We called Ally at the end of XXXX to inquire about the check that was owed to us and they told us again that it would be in the mail and we should receive it in 7-10 business day. This same call took place again in XXXX and we never received the check. On XX/XX/XXXX we received a letter from Ally stating that we are past due and have an outstanding balance for almost {$3000.00}. When we called Ally they informed us that the payment for the vehicle was processed incorrectly and that an ACH deposit could not be made from a business account. They didnt process the check ( 90 day check ) until XX/XX/XXXX, three months after releasing the title and showing our account paid in full. Now they want us to pay all the fines and fees for the last four months and they either hang up or never respond to any calls are questions we submit. Our title company is reissuing they original check but Ally wants us to pay for the last few months that this has been outstanding. We need help!!!

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 2020-05-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2020 computer was hacked. {$6100.00}. 
Chase Visa card was billed and we called Chase as fast as we could. Nobody was answering the phone. We waited about an hour. When we finally spoke to someone, we told the representative to cancel the credit card and to not pay anybody anything. Chase then sent us to fraud dept. where we again told Chase to make sure our credit card was cancelled and to not pay any charges. Shortly afterward more charges appeared on our credit card. We were told not to worry. Nobody would contact us. We had to constantly call them and wait for about an hour to speak to someone. 
XX/XX/2020 We are still waiting to get resolution, and we are being told that we benefitted from the charges. Communication is horrible. Chase was moving charges around in our account. We feel like Chase is basically stealing from us. We did not make any of the disputed charges and we did all that could be done to shut down any payouts. And they can not even tell us where the money went or who got it. We are living in holy XXXX and it is being exacerbated by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX # XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/2008. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, XXXX  AND EQUIFAX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX # XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/2008. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, XXXX  AND EQUIFAX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.

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 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
DEPT OF ED/XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH TRANSUNION, XXXX AND XXXX  WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.

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 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
DEPT OF ED/XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, XXXX AND EQUIFAX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
DEPT OF ED/XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, EXPERIAN AND XXXX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.

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