vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-27 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: WY

Complaint narrative:
please see the below responds from conns XXXX XXXX , XXXX ( XXXX ) appreciates the opportunity to respond to the concerns you have. We have a more than 120-year history of quality customer service and satisfaction, and I would not want anything to impair that record. As a reminder, you may contact XXXX regarding questions by calling our Customer Service Helpdesk at XXXX, or on-line at XXXX. We have investigated your concerns and as a result of our investigative measures, your complaint has been Closed with non-monetary relief. You have stated in your complaint that : 1. You have a credit inquiry from XXXX on your credit report ; 2. You did not apply for XXXX credit ; and 3. You would like the credit inquiry removed from your credit report. Our investigation reveals that : 1. A credit application was processed in your name on XX/XX/2019 ; 2. XXXX fraud department reviewed the information you provided ; and 3. We have removed the credit inquiry. According to our records, an application for XXXX credit was processed on XX/XX/2019. The credit application was initiated through XXXX website. Our fraud department reviewed the information you provided and we have removed the credit inquiry from all three credit reporting agencies. We ask that you please allow the credit reporting agencies XXXX days to update their records. XXXX appreciates you for bringing your concerns to our attention. 
DESCRIPTION OF NON-MONETARY RELIEF removed credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
This debt was paid with the company over 7 years ago. This company is threatening to seek action with the county attorney. Stating legal action will be taken immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear CFPB, this is a final attempt to bring to your attention possible fraud and discrimination brought upon me by JPMorgan Chase Bank due to my financial practices. Attached will be an email that was contradictory to the horrendous experiences I keep on having with their costomer service regarding my debit account XXXX. They will not allow me to open an account or receive statement showing the full disclosures pertaining XXXX, XXXX XXXX XXXX  and myself. I need those statements to file my irs documents plus it is the law as I understand it that they must disclose all activities done in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: NY

Complaint narrative:
Items were removed waiting for it to show as removed on my Experian credit report.

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 2019-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/19 I purchased 2 plane tickets on the American Express Travel web site using all the American Express loyalty points I had available ( XXXX points ). The purchase with the points was confirmed ( see attachment ). I had contacted American Express Travel after the purchase to ask when the points will be applied because they were not immediately removed from my points balance. The rep stated that it could take a few days before the points are applied. 

On XX/XX/19 ( 20 days later ), I noticed that American Express had taken the next payment scheduled from my checking account and it included the full amount of the plane tickets that were paid with the points. 

On XX/XX/19 I called American Express and explained the problem, the rep had to transfer me to another rep at American Express Travel. I was transferred and explained the problem to the new rep. I was placed on hold for some time ( about 1 hour ) while that rep was following up on the issue. Eventually she came back and stated that there was an internal error applying the points and that I had to be transferred to a supervisor to rectify the problem. I was then placed on hold for some time and after a while the rep stated that I can continue to wait or get a call back. I agreed to the call back, but I never got a call back. 

I called American Express Travel that evening XXXX XX/XX/19 XXXX and had to start over explaining the situation to a new rep. I was then told that I again needed to be transferred to a supervisor. The rep took my call back phone number in case I got disconnected. I was then placed on hold for a long time ( over 40 minutes ) and no answer. I had to hang up because I had an appointment to go to. I never got a call back. 

I called American Express Travel again on the morning of XX/XX/19. I got a new rep who again took my call back number and after I explained my situation, he proceeded to transfer me to a supervisor. Again, no answer after waiting on hold for 45 minutes. I had to hang up. No call back. 

I am certain you would agree that I should not keep calling to get nowhere, I have attempted three times already. This is why I am filing a complaint. I had decided to book my plane tickets with American Express Travel in order to use my points. I even paid more for the tickets ( about {$200.00} more ) than if I had booked them with another agency. Not only did American Express fail to use my points ( even though I have a confirmation ), they proceeded to take the funds from my checking account for the full amount of the tickets. And since it has been very difficult to reach to the right person to rectify the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. Ive been trying for almost two months to retrieve my funds via a payment that was sent to my Chase account through XXXX. 

I had someone send me {$400.00} for an item I sold to them. The payment has cleared on their end and they arent unable to cancel the payment since theyve sent it already. I received an email alerting me that I would be receiving a payment from XXXX XXXX who banks with XXXX for {$400.00} on XX/XX/2019. I tried to accept the funds and I get a message on my account saying that an error has occurred and my email address needs to be added to my XXXX/XXXX. This is the same email account that Ive used for all of my XXXX   transactions and with Chase.. 

i try deleting and re-adding my email and it says that I have a pending payment but as of yet, the payment has not been credited to my account. I have called every number I could at chase and XXXX with no luck. I went into my branch to speak with a banker who was also of no help. Ive contacted Chase executives who also would not help me. Ive provided screen shots of my account to customer service and of the pending payment and Im still being told that they cant see it, when its clearly on the screen. 
. The sender of the funds now thinks Im trying to scam him because I asked a few times to cancel and resend the payment and has since blocked and cease communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
OCWEN OWES US $ XXXX AS 3RD PARTY CLAIMS LISTED IN OUR CHAPTER XXXX BANKRUPTCY DEBTORS LIST CASE NO.XXXX, IN PART FOR COVERING UP FOR XXXX XXXX AND THE XXXX, XXXX & XXXX FRAUD FROM XX/XX/XXXX-XX/XX/XXXX. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: FL

Complaint narrative:
I have been a victim of identity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion 's online dispute portal is not functional. Upon entry, the menu states, " To submit a new investigation, click on the New Investigation link above. '' However, there is no " New Investigation '' link ( or anything similar ) anywhere on the page. Nothing comes up upon searching the website. It is not functional and leaves customers without the ability to exercise their right to dispute aspects of their credit report.

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 2019-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a XXXX credit score and I pay both cards on time EVERY month, yet B of A arbitrarily reduced my credit amount on both cards. This is B of As way to make it difficult for consumers to pay off balances quickly without paying unyielding interest. 
Even if I have a high ratio, I always pay on time because I can afford the credit. B of A did this while I was out of the country jeopardizing my and my childrens safety because if I had an emergency I would not have credit cards to help me, if something 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 2019-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
My monthly payments to Dovenmuehle ( loan XXXX ) is {$2200.00} and was due on XX/XX/2019. If I fail to pay by XX/XX/XXXX, I am subject to a {$91.00} late fee and possibly issues with my credability. I made an online payment from by checking account at XXXX XXXX XXXX bank for the {$2200.00} on XX/XX/2019. Since this is an electronic payment, Dovenmuehle should ( and usually does ) receive the payment by the next business day, which was XX/XX/XXXX. The full amount of {$2200.00} was deducted from my checking account XXXX at XXXX XXXX XXXX bank on XX/XX/2019 with an entry " BP-Dovenmuehle Mortg Conf # - XXXX '' See XXXX XXXX XXXX Statement attached ). However, on XX/XX/2019 and to my surprise and dismay, I got a call from XXXX at Dovenmuehle 's Collections Department saying I failed to make the XX/XX/XXXX payment and that I now owe them the {$91.00} for the late fee. I told XXXX that I paid Dovenmuehle on XX/XX/XXXX. She later confirmed this. I asked her to investigate why I was being called when I in fact made the payment. XXXX was unable to help. 
Then, on XX/XX/XXXX, Dovenmuehle finally issed a statement ( see attached ) to reflect my XX/XX/XXXX payment ( this is usually done only a couple of days after I pay ) saying I made the XX/XX/XXXX payment on XX/XX/XXXX. No where does it say in the statement or elsewhere that my payment was timely. 

I need a written statement from Dovenmuehle that my XX/XX/XXXX payment was timely and not subject to a late fee and was received well before the XX/XX/XXXX payment. I also want investigated whether this behavior on the part of Dovenmuehle is in any way retaliatory or connected with my recent application for loan modification to XXXX XXXX at Dovenmuehle due to me being unemployed and being the subject of another complaint I am making to Dovenmuehle. In other words, this instant unusual behavior seems to occur just after I applied for and then appealed and was denied a loan modification due to my long term unemployment, and my subsequent complaint to XXXX and XXXX. I would like to know if they are bullying me as a result and if I shluld expect more of this kind of behavior from Dovenmuehle in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: FL

Complaint narrative:
XXXX XXXX sent an alert that a new " hard '' inquiry was just added to my XXXX credit report from Jpmcb - Card Service on XX/XX/2019. 

This fraudulent inquiry could affect my score. 

I have not approved this inquiry and it should not be listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 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: AZ

Complaint narrative:
Equifax has not yet removed derogatory remark that is very old XXXX XXXX   account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
My debit card with USAA was cancelled with no explanation from the banking institute and when I call to ask why, there is no information shared. If my account or information was involved in some sort of data breach I feel I should be informed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: AZ

Complaint narrative:
XXXX  has not yet removed derogatory remark that is very old XXXX XXXX   account.

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 2019-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am unable to access on the Equifax website to obtain annual free credit report and to verify that my credit report was unlocked. On Thursday, XX/XX/XXXX at XXXX I called contacted Equifax to address the problems. They verified my identity but stated that they could not unlock my online account or provide a credit report or provide proof that my credit report at Equifax was unblocked as their system was updating. I was told to call back on 30 minutes to one hour. 

I called Equifax again at approxiamtely XXXX and answered multiple security questions over the course of 15 or 20 minutes including being placed on hold. I was again told that the system was updating and Equifax could not provide proof that my credit report was unblocked, unlock my online account or allow me to access my credit report online. 

On Saturday, XX/XX/XXXX at XXXX XXXX, I called Equifax for the third time to receive verification that my credit report at Equifax was unblocked and to inquire how i could unlock my online account at Equifax. The representative and supervisor I spoke to over the course of 45 minutes said that the system was still updating and it was unknown when it would be complete. As a result, Equifax could not proivde proof my credit report was unblocked, unlock my online account or allow me to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: FL

Complaint narrative:
My information was compromised through the Equifax leak. Time frame unknown. I can not access any of the 3 big credit bureaus due to my stolen information someone has used to file for student loans, mortgages, credit cards and purchases. None of the information matches for me to access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: TX

Complaint narrative:
EXPERIAN REPORT NUMBER : XXXX THIS IS A REPLY LETTER FROM YOUR REQUEST. I HAVE ENCLOSED 1 ) ID/DL 2 ) SS CARD 3 ) UTILITY BILL 3 ) FTC REPORT PLEASE REMOVE THE LISTED ITEMS FROM MY CONSUMER REPORT

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 2019-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX, Paypal was contacted in writing with a formal cease and desist request to stop any and all debt collection communication with me regarding my accounts. This included the standard Paypal account as well as a Paypal Extras Mastercard. I received a confirmation of this request back from Paypal later the same day, however, they have started calling me from various phone numbers from throughout the country. Most recently XXXX, Ohio and XXXX, Ohio. I attempted to reach out to them today, XX/XX/19 after this most recent phone call to ask them once more to acknowledge my request and to stop calling and they referred me back to the " settings '' option on their website to turn off text messages and auto dialed numbers. This had been previously done and when I advised the representative of that, they told me that it would take 3 days for the settings to take effect. I told them that this had been requested well over a month ago and clearly didn't work and I asked to speak to a supervisor and was refused.

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 2019-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This mortgage was a hardship, it has been reported since 2013 as a foreclosure causing me so much trouble when in actuality it was a SHORT SALE. Can I please get this removed from my report.

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 2019-07-27 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: IN

Complaint narrative:
on XX/XX/XXXXa confirmation that a dispute i had file with Equifax was finish. the collection account was verified [ XXXX XXXX XXXX ] i did not ask for any verification of account. XXXX XXXX XXXX was sent a cease and desist certified letter in the mail and receive on XXXX the same information forward to equifax. Equifax stated that it was verified by [ XXXX XXXX XXXX ] and it still remains on my credit report. XXXX XXXX XXXX collected on this account XXXX they did not cease and desist any collection activity of the account which is a violation of the fair debt collection act.And Equifax keep stating that it is verified so XXXX XXXX XXXX confirm that they did receive the cease & desist letter to equifax. This account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Someone ( not me ) applied for Citi AAdvantage credit card. It was extremely difficult to contact Citi ( lots of hold time and transferred around ). They retained my information without my consent. I asked them for help to see who applied for the card and they said they were unable to help me.

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 2019-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX submitted a hard inquiry and I did not request it. It is almost impossible to contact them. I have been working hard to establish good credit and do not need something like this to appear. I do not have a mortgage and any residence still in my name was part of a chapter XXXX bankruptcy 8 years ago that was discharged.

Company response to consumer: Closed with explanation