vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
In XXXX of 2020, my wife and I found a Cabin for ale that we loved. We moved to purchase it and was told that the appraisal that we paid for and Chase selected the appraiser was XXXX while the sale price was XXXX. Chase closing agents told me that the PMI was easy to remove and could be removed once we closed and the loan to value was 80 %. The loan closed and I have been requesting the PMI to be removed since. The current loan is XXXX and the appraised value is XXXX. This is 77 % loan to value. However, even after escalating to the executive office they still maintain that the value was the purchase price and not the value from the appraiser. I asked, if I built a building valued at XXXX on the property and asked your same appraiser to value the updates would you accept the new value of XXXX? They said yes, I requested a new appraisal and they then said they would not accept a new value for this property. It seems that they are refusing to accept any value increases to this property and will not allow us to ever remove the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I keep getting the same response that is lies. I have an email that they applied to my credit and the resolution is false. They are not doing what they say and I keep getting the same generic email. This is not a duplicate issue, the issue is never addressed and their resolution is false. Please review my credit and you will see it is open. Once again, I pay all my bills and I have no idea what the debt is for and why it is there. I am tired of these unethical practices. Saying your following the FDCPA and disputing when you just reported again on XXXX is not accurate and a false statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I wanted to close my Capital One Savor card. I reached out to Capital One on XX/XX/2020 to close the card and get my annual fees refunded. Capital one refused to provide me a pro-rated refund of my annual fees while I was trying to close the card. I am a Massachusetts resident. As per Massachusetts law, a pro-rated refund of annual fees should be given to the customer. 

Capital one disregarded the law and it is their policy not to refund the annual fees after 40 days of annual fees. Please investigate and provide a refund of my annual fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16 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: KS

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-06-16 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am in the process of selling a foreign owned condo property. A foreign bank wire transferred the amount of {$9500.00} USD from my realtor 's account into my personal savings account with American Express online personal savings bank. The transfer was made on XX/XX/XXXX and I have an electronic copy of the transaction. The money never showed up in my account. I received a voice mail from American Express on Thursday, XX/XX/XXXX to contact them about my account. I called back and was told that they do not accept wire transfers from third party accounts and they gave me a transaction number to confirm the return. The number is XXXX. They refused to provide me with an electronic copy. 

American Express left any email to contact them on XX/XX/XXXX. I received it after business hours, but I called and spoke to a customer care agent. They said they don't know why the banking operations area called me and I needed to call back during regular banking hours. On Tuesday, XX/XX/XXXX I called the banking ops center and was told that they received a wire transfer on my account and they tried to call me to verify account holder, but my phone didn't ring ( XXXX had a nationwide outage when they attempted the call ) so they returned the transfer on XX/XX/XXXX. They gave me a different number, which is : XXXX, a different transaction number. I asked why they told me the sent the money back on XX/XX/XXXX for a different reason -- the customer care agent I spoke to said that they don't accept transfers from 3rd party accounts. Furthermore, if they needed verification, then why didn't they ask for it when I called them back the prior week. And why did the agent give me a different transaction number. If the money was returned on XX/XX/XXXX, then where had it been since XX/XX/XXXX? I haven't been paid interest on this money. 

American Express has no explanation for the discrepancy and different stories of when the transfer was made and is again refusing to provide proof. They said proof is against their policy. They have also refused to set up a call with the bank to help find the missing funds and are now claiming they have no further responsibility. 

As of this morning, the transfer has not shown up in my realtor 's bank account. Given the discrepancies in the American Express reporting and refusal to provide proof of the return of the funds, I don't believe the funds were transferred. Is there a legal recourse? I seems American Express bank is incompetent at best and fraudulent at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-06-16 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: MI

Complaint narrative:
Experian did not investigate my original complaint Experian just sent the complaint to the furnisher as usually. 
Experian investigation includes the ARM Rule for furnishers : Collection Agency must have a Creditor Code which is not listed.

Collection Agency must report a contract there is no XXXX contract reported. 
Collection Agency must report Full Monthly File which is not presented. 
Experian under the Fair Credit Reporting Act must verify the accuracy of the furnisher like all the above and XXXX XXXX XXXX does not have an license to Collect in Michigan and other states. 
I have sent Experian a copy of the XXXX stating that the only one who is reporting XXXX  as an debit is XXXX XXXX XXXX and Experian. XXXX   states I do not have an account with XXXX .Remove this account immediately and return my 20 point credit score. 
This is an fraudulent Collection Agency Experian let on my credit report without verify the furnisher.

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 2020-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
XXXX RETURNED CHECK TRYING TO COLLECT AGAIN HAD SAME ISSUE LAST MONTH I BELIEVE IT WAS RESOLVED XXXX DOLARS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN ... .XXXX ... AND XXXX are failing to report revolving accounts that belong to me ... ..they actually removed them and my score fell significantly ... I am attaching proof that all these cards belong to me and should be being reported to all 3 bureaus! 

XXXX XXXX XXXX LIMIT IS {$5000.00} XXXX XXXX XXXX LIMIT IS {$3000.00} XXXX XXXX XXXX  LIMIT IS {$4000.00} XXXX XXXX XXXX XXXX IS {$12000.00} these cards really benefit my overall usage and my credit worthiness and by the credit bureaus removing the cards ... ..my credit score dropped significantly ... .please add these cards back to my credit file immediately!!

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 2020-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Synchrony Bank sold a debt for a credit card to XXXX XXXX XXXX and wrote the debt off ( which is reported on my credit report by Sychrony as " written off as bad debt ). The debt was {$3300.00} when it went into collections and was soley in my name -- no one else was associated with this debt. Additionally, XXXX did not know what this debt was, other than from Synchrony Bank and could not disclose what the debt was relating to. 

XXXX XXXX XXXX  began to call me from an unknown number, never leaving a message -- I never personally spoke with the debt collector. On XX/XX/XXXX, between XXXX XXXX  CST, they contacted my husband who was NOT associated with the debt.. XXXX XXXX XXXX  disclosed the following to my husband : Debtor, Amount, and time past due. I did not authorize the sharing of this information and is a violation of FDCPA. 

I immediately contacted XXXX XXXX XXXX, speaking with XXXX XXXX " operations manager, '' and asked why they would disclose the debt, which then they claim " Kansas is a spousal consent state and we can disclose that debt to to person you are married to. '' That is NOT how FDCPA, a federal regulation works. They can contact my spouse and ask my number and how to contact me, but they can NOT disclose debts, amount, debtor, and payment information. Additionally, XXXX XXXX XXXX LIED about communications with me and said they spoke with me in XXXX and were following up -- which is NOT true, this is false and misleading.

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 2020-06-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Home Depot made a mistake. My account was never late. Yet my report still shows two 30-day delinquency payments. They submitted two letters to the credit bureaus, and each time, the letter was insufficient. Home Depot has told me over the phone multiple times that it is their fault that the delinquency is shown, yet they still have not fixed the issue. It is their responsibility for messing up my credit and they need to take responsibility and be held accountable for this. They state that they can only do so much, yet this is a very serious issue. They are not doing enough and the credit bureaus are also at fault for the inability for me to talk to someone over the phone. A simple letter submission is clearly insufficient if Home Depot can't clearly communicate the issue, show fault, and resolve the issue. This is unacceptable all around and needs to be remediated immediately.

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 2020-06-16 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: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2020 XXXX, {$290.00}, XX/XX/2020 XXXX {$100.00} I have reached out to XXXX XXXX  in reference to these accounts. These accounts are an result of identity theft which is reporting on my report inaccurate and is violating fair debt reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Husband died in XXXX, leaving NO assets or estate other than my house which is XXXX in Texas. He had NO life insurance. While I did not use this account, his Chase Sapphire card apparently listed me as a co-owner as opposed to an authorized user- which is severely negatively impacting my credit score and attempts to re-set my life as a widow. On XX/XX/2020, I contacted the Chase Sapphire Bereavement Department and spoke with XXXX, ID # XXXX. I explained that I am unable to pay this debt, as I am faced with both the loss of income from my Husband 's death and my own income due to the COVID-19 Pandemic. I am working hard to pay my own credit accounts and that is all I can do. I requested that the amount owed on this Sapphire card be reduced or that interest accrual be stopped so that I had some chance of paying the balance incrementally. I was then referred to the account supervisor, XXXX, ID # XXXX, who informed me that they were not willing to work with me other than to close the account and " put me on a payment plan. '' He was not willing to discuss reducing interest charges and further threatened me that my credit score would be negatively impacted and that " it might cause me problems with my other Chase account ( which is my own account and which I pay faithfully. ). My position is that a payment plan does not help me as long as they are charging more interest per month than I can afford to make in a payment. I will like not to have to pay a Credit Resolution company to help with this, I would expect that in the face of a DEATH and a PANDEMIC to have some kind of relief. My mortgage company helped me, all my other credit cards help me. Only Chase refuses to be part of any kind of solution. The public should know how Chase Sapphire deals with widows in the face of a Pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 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: ID Analytics, Inc.
State: MA

Complaint narrative:
Summary : An unathorized credit freeze imposed by a CRA called SageStream , LLC I had never had any contact with, has been preventing me from obtaining credit I am well qualified for. SageStream has been completely unresponsive so far. 

On XX/XX/2020, after doing some significant, extended research, I submitted an online application to accept a mailed personalized offer of a no-fee, fixed-rate personal loan from XXXX by XXXX XXXX XXXX " XXXX '' ). 

The application could not be approved, for the following stated reason : " Credit freeze on bureau, unable to verify credit history '' I have since discovered that XXXX was able to obtain my credit report from XXXX, but not from SageStream , LLC ( " SageStream '' ). 

As a result, XXXX has been unable to even consider / start processing my loan application to date. 

Until XX/XX/XXXX, I had never contacted or been contacted by SageStream for any reason, nor had been aware of its existence. 

Since XX/XX/XXXX, SageStream has ignored my brief, to the point, specific messages, left at its falsely self-described " call-back '' voice mail box XXXX. 

Its industry peers routinely verify identity on the phone and process such basic requests in real time, without any document harvesting or phantom call-back promises.

Company response to consumer: Closed with explanation