vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is in addition to complaint # XXXX. 

i still have not heard back from Chase Bank on resolving my last issue for not closing out my claim in a timely matter and negative reporting to my credit report. 

XX/XX/XXXX XXXX i called chase bank to inform them that someone has access to my account. The reason for the call is because while logging into my account and seen an unfamiliar number XXXX being the main number where it would receive phone calls and text to access my account. I have never seen this number in my life and there's no record of me calling or updating my information on chase 's website with this information. 

I spoke with 3 different agents on the XXXX ( XXXX XXXX, XXXX from fraud dept and XXXX from the dispute dept ). While speaking with XXXX from the fraud department she stated that in her notes someone in her organization has put that number on my account and could not give me a reason why. She insisted that she removed the number. 

After speaking with XXXX i was passed to a XXXX in dispute department because i'm still trying to resolve my dispute with chase and they are still trying to make me pay for an authorized charge that i reported to them. I was told by XXXX i need to reach out to the frauds department by email as they were not available by phone. 

XX/XX/2020 - Speaking with XXXX in the fraud department we discussed the invasion of privacy issue that i'm having with someone in her company changing my contact information without my consent and information i needed to send in about my open fraud claim. i emailed in the necessary documentation that XXXX XXXX d me to email in. Upon receiving my documentation they will let me know in 5 days a decision on my fraud claim and answer on why my contact information is changed and by who XX/XX/2020 - I have now receive a letter from Chase stating they have now lowered my credit limit down to {$5300.00} because they could not reach me at the telephone number provided on my account. XXXX is a disconnected number that was placed on my account by them Chase has now maxed out my credit card limit because they have added interest to my disputed balance of {$5000.00}. This is unethical by chase was done purposely to affect me because of my open dispute. This letter was sent the next day after i contacted them about the problem. They are still investigating my fraud claim which is well over 90 days and have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I have tried to receive a refund from XXXX  XXXX for a canceled flight on XX/XX/XXXX. We have sent emails and called the airline multiple times and have not received a refund after 4 months. We contacted the credit card company to intervene for services not rendered and to remove all interest charges and to credit the account card relating to the canceled flight. The flight was purchased on XX/XX/XXXX for the amount of {$1700.00}. This is the response from the Credit card company on XX/XX/XXXX was " The merchant is willing to work with you to resolve your claim, and that we were responsible for the disputed amount and that there investigation was completed and disputed amount will be included in the balance Subject to interest charged. They also said that our account was in good standing but wanted us to know that if we do not pay our credit card bill they would report us to consumer reporting agencies? We have always paid our credit card! We again contacted XXXX  XXXX  verbal and written and given excuses why after 4 months we have not received credit on our card. We contacted and wrote again to the credit card company on XXXX XXXX and told them we are still in dispute with the airline and have not received a credit on our credit card for the {$1700.00}. I have sent another letter to XXXX  airline and Shop your way credit card company XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: PA

Complaint narrative:
Before COVID-19 happened my fiance and I were set to go to tenant court for repairs that our landlord failed to make on an apartment unit we were renting. We had code enforcement officers come out and issue tickets and notices to the company to make repairs that were never fully completed so we found a new place to live and moved away. The court date we had got cancelled due to to the pandemic as well as the eviction moratorium so we were unable and still are unable to settle this matter in front of a judge. I asked the creditor for confirmation of the debt and was sent a final bill which had the past due rent amounts listed which is not conformation of any kind of debt owed as part of our lease agreement was that the unit we were renting would be livable up to code which it was not. I attached pictures which we have many many more of as well as a chronological timeline of everything that happened.

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 2020-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I overpaid my Macys card balance in full. The amount was {$190.00} in XX/XX/2020 with a cashiers check that was written by the credit union XXXX drawn off of the bank. My acct had a {$28.00} credit. 
In XX/XX/2020 Macys reversed the payment. They added the {$190.00} back onto my card and charged a late fee on the {$28.00} credit stating I owed them. As I went back and forth with them that payment was made and I was to have a {$28.00} credit, In XXXX they falsely reported a missed/late payment to the credit bearu which has negatively affected my credit and my ability to be approved for s conventional home loan. 
I have sent the front and back copies of the check they cashed paying the account Im full IN XX/XX/2020 several times and I have documentation. 
They still refuse to rectify the account and continuously harass me to pay any other {$190.00} because although they have proof, letters from my credit union etc they refuse to rectify my account and remove derogatory remarks off my credit report. At one point they stated they dont know where or to whos account they applied payment to and I needed to figure it out! I paid my bill, I refuse to pay it twice especially with proof they cashed the check and gave the funds. 
Ive been told by every agent and supervisor that I have dealt with over the last 8 months that The department that handles This doesnt not have a phone number or email address. I have to wait for a letter from them instructing me what to do. Ive received at minimum 3 letters stating my account has a XXXX balance. Yet they still call and harass me weekly, sometimes daily, never actually remove the derogatory remarks from my credit report that was falsely reported and continue to call me for payment but do not send me bills or statements. 
Please 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 2020-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America sued me without proper notification. Bank of America never made an attempt to talk with me and to understand my situation and to work with me. I had an ongoing relationship with Bank of America for 22 years and a history of paying my debt. I a carried full outstanding balance on the credit card for a number of years, used all my savings from my XXXX K and made every attempt possible to honor my debt. Bank of America used its unlawful collections practices to freeze and delay my employer payroll salary payments to my Bank of America checking and savings account. I closed my personal checking account with Bank of America due to its tying process with Bank of America credit card collections group. Bank of America used it resources, power and reach to pressure my family and I and threatened our financial well-being with its unlawful collection process. By knowing and having access to my checking and saving accounts it collaborated with Bank of America Credit card debt to find ways to crush my family and I financial well-being in unlawful ways.

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 2020-10-10 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: TX

Complaint narrative:
My last 4 of my social is XXXX. I checked my personal credit report and I noticed unauthorized inquiries had been made. So I first contacted these furnishers of the inquiries, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Also, I have attached a copy of my passport, social security card and utility bill with my current address for your files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Its a pandemic and I was late a couple days on my chase credit card, i didnt know there was a pandemic assistance before it happened and I had just lost my job and was waiting on EDD benefits to be approved to be able to pay my credit card bills Ive submitted a goodwill adjustment in hopes if getting it removed due to me being affected by a pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
There is a medical debt that I have no knowledge of being sold to different collection companies. It claims that it is from an emergency room visit billed by XXXX  XXXX, which was then sold to XXXX XXXX XXXX, ( XXXX ) now this company Phoenix financial services llc, I have never heard of is attempting to collect this debt. I have contacted the original company they claim the debt is from and they told me they have no record of this. I have also had health insurance for the last 7 years and have paid my co pays Accordingly. XXXX never told me what this bill was for, and now this new company shows up on my credit report that I have never heard of. I dont know what this is for, I have never gotten a proper bill from anyone telling me what the services is supposedly received were. Not only that, but the debt is older than 5 years and they are falsely claiming this is a recent debt. I have not sought out emergency medical care since 2014. This is all completely false claims and there has yet to be proof. These companies are damaging my credit and if need be I will file a police report. I have disputed XXXX and filed complaints with consumer financial protection bureau, and They sold to Phoenix financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
On XX/XX/2020 I received documentation from an unknown student loan servicer " Navient '' who will not address my concerns about this demand for payment without producing an original promissory note etc. ( view my attachment letter ). Navient has been misleading, reluctant to address my concerns, deceptive and attempts to collect payments without verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Its a pandemic and I was late a couple days on my chase credit card, i didnt know there was a pandemic assistance before it happened and I had just lost my job and was waiting on EDD benefits to be approved to be able to pay my credit card bills Ive submitted a goodwill adjustment in hopes if getting it removed due to me being affected by a pandemic

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 2020-10-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I obtained a credit card with Macys ( card issued with Department Stores National Bank ) since 2003. I have used the card and paid it back throughout the 17 years. During this time, I noticed they have never reported the credit card on any of the 3 credit bureaus. I have contacted several times throughout these years. Each time they ask me to send a letter with my name, account number, full social, explaining the issue. I follow their steps and they dont resolve the issue. I did receive a letter 1 of those times saying it was resolved. Two weeks ago I checked and the card was not reporting. I contacted all 3 credit bureaus, and they confirmed it has never reported. I contacted macys again and once again they asked me to send them the letter with the same information. I did, and now they are giving me issues and do not resolve the problem. After 17 years, and several attempts from me to get this resolved, it still has not.

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 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2020, I receive an unsolicited Visa debit card from U.S. Bank Reliacard , which lists its address as Cardholder Services, XXXX. XXXX XXXX, XXXX, IN XXXX. I tried to reach the issuer using its phone number but was unable to connect with a representative because the line was limited to digital responses. This is the second such unsolicited card received within the past two months, the other being from XXXX, which I understand is a XXXX affiliate. 

I have written U.S. Bank Reliacard to have the card cancelled and to inform it of the fraudulent issuance. My complaint is that issuers like U.S. Bank Reliacard fail to take appropriate steps to assure that such cards  are not issued at the request of fraudsters who then use the accounts for fraudulent purposes.

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 2020-10-10 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: NE

Complaint narrative:
Credit report is displaying payments of ; on time ( XX/XX/XXXX ), 30 delinquent ( XX/XX/XXXX ), 60 days delinquent ( XX/XX/XXXX ), 90 days delinquent ( XX/XX/XXXX ) and 120 days delinquent ( XX/XX/XXXX ). Then shows on time payments on XX/XX/XXXX and XX/XX/XXXX. Account was closed XX/XX/XXXX and last payment was made XX/XX/XXXX. A letter was submitted to the credit reporting agency when they " updated '' the account and added the on time payments of XX/XX/XXXX and XX/XX/XXXX. My last submitted dispute/documentation was sent to them XX/XX/XXXX but this was addressed three times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: NE

Complaint narrative:
Credit report is displaying payments of ; on time ( XX/XX/XXXX ), 30 delinquent XXXX XX/XX/XXXX ), 60 days delinquent ( XX/XX/XXXX ), 90 days delinquent ( XX/XX/XXXX ) and 120 days delinquent ( XX/XX/XXXX ). Then shows on time payments on XX/XX/XXXX and XX/XX/XXXX. Account was closed XX/XX/XXXX and last payment was made XX/XX/XXXX. A letter was submitted to the credit reporting agency when they " updated '' the account and added the on time payments of XX/XX/XXXX and XX/XX/XXXX. My last submitted dispute/documentation was sent to them XX/XX/XXXX but this was addressed three times in the past.

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 2020-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I purchased tickets for the XXXX XXXX in XXXX for a show that was supposed to be held in XXXX. Due to the pandemic, the show did not happen, and they are refusing to refund tickets purchased. I purchased several other tickets for other events and they generously refunded all money, and I'm uncertain why this " business '' wont do the same. How can you steal from people, and not offer them the opportunity to decide what they want to do with their money? The matter in which this situation has not been handled is very unprofessional with them failing to respond to my calls and emails. It should not be their decision to decide for me to attend the circus if they ever reschedule, nor should they make me wait for a refund until they decide to do so. With this pandemic, I would not even feel comfortable being apart of this, and it's uncertain if anything with a large crowd will ever happen anytime soon. To be forced to wait until they figure it out is absurd and unethical, and I only want my money back. It definitely should not be a hassle or an issue in doing so. I also ran into an issue with my bank. I filed a claim through them and the money was refunded, or so I thought. Until I saw on yesterday, XX/XX/2020, that the claim was reversed. When I inquired about this to the claim department with Chase, they said it was over the 120 day time frame. I asked why would I be able to file a claim if that was the case, and why was this not told to me when the claim was filed in XXXX? They did not have an answer. They just apologized and reiterated that it would not be refunded and to contact the merchant. The merchant was the first to be contacted and they are not issuing responses at all about this. I just want my money back and it should not be this hassle with my bank or the merchant in doing so. Please advise. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I received collection letter on XX/XX/2020. 
I sent the Debt Collection Validation Request letter back on XX/XX/2020 which is within the 30 days response time frame. 
I did not receive any response from MRS BPO , LLC They are trying to collect the debt that is not mine. I do not owe this debt. 
I asked them via letter to provide me with the evidences that the debt is mine, but I did not receive anything back. 
And now, collection is appeared on my credit report and my almost perfect score was damaged by wrongfully claimed debt of mine. Amount is only {$94.00} but I do not owe them anything. 
Because of this false attempt of collecting debt is hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan is funded on XX/XX/20. 
As of today XX/XX/20, the lender to be paid off is not showing paid off and the new lender did not send a closing statement nor showing any escrow balance on their servicing site. 
Send multiple emails requesting a final closing statement and did not receive one.

Company response to consumer: Closed with monetary relief