vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
So recently I had checked my credit report to see that there has been 64 hard inquiries added to my report I have contacted XXXX and Transunion even added security freezes to my reports, well RIGHT after i added it YET another inquiry was added to my report from direct tv, I have reached out to both companies several times, XXXX deleted all but one on my account and then re-added them. I called each company and all said the same thing, someoene went online to purchase or try to purchase a vehicle and then my information was sold to other dealerships so theres a total of inquiries, the companies couldnt even give me a copy of MY ID, as they said anyone can get online and use someone else 's information, Ive done all i can do, XXXX adv if i faxed them my id they would remove my inquiries, I faxed that over about a month ago nothing changed. Transunion supervisor i spoke with stated he would have them removed, NOTHING HAS CHANGED.

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 2018-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I opened my Amex business platinum and personal platinum card end of XXXX. All was going well, I received my XXXX sign up points, as I hit the correct threshold and earned them. 
Amex on XX/XX/XXXX sent me an email saying they are taking away XXXX points. I called and they said bed. I downgraded within 6 months I lose them. AN Absolutely MADE UP TERM. Was not written anything close to that in my terms!!!! 
They changed terms for new card Applicants in early XX/XX/2018 but that is 45 days after my terms were already in place!!!! 
They are no help on the phone Apologizing for the mistake and saying there is nothing they could do ... ... 
They stole my XXXX sign up bonus points between both accounts!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase is holding my funds account number XXXX and XXXX, based on what XXXX XXXX XXXX from JP Morgans back office told me that " XXXX XXXX XXXX asked us to put a hold on your funds ''. I asked do you have a chase number, they said " no '' I asked for information and the XXXX XXXX XXXX  XXXX gave me this phone number.XXXX. When I called that number it was in fact XXXX XXXX XXXX 's Fraud check line. When i kept calling chase for a reason they keep bouncing me back and forth with untruths, telling me XXXX XXXX XXXX no longer had it, it was now in Fraud recovery and Loss Prevention. XXXX. When I called this number they told me it was with XXXX XXXX XXXX  again which is Chases Inner Global Securities and Investigations department. Back office again. So here I am getting nothing but disrespect. Treated like I did committed some crime, was under investigation for suspicious dealing or what ever they wanted to assume. I called XXXX XXXX XXXX XXXX MANY times and left recorded messages about the circumstances about my MOTHERS false claim on me, which began this closure of my accounts for {$35000.00}. All of my funds have been cleared since XX/XX/2017. So I am not given any reason, treated like a reprobate dog, not ever asked for me to explain or give evidence into what they are investigating. Chase is NOT OUT ONE PENNY AND I OWE THEM NOTHING!!! 
I realized my mother filed a claim against me 8 months after the fact and since she has had her banking records in a documented visit to B of A to go over all her past months statements and transactions. PLEASE SEE THE AFFIDAVITS I HAVE SENT TO XXXX XXXX XXXXXXXX. 
ALSO NOT XXXX XXXX  XXXX AS TO TODAY IS IN RECEIPT OF DOCUMENTARY EVIDENCE AND AUDIO /VIDEO 'S PRESENTING INDISPUTABLE EVIDENCE THAT MY MOTHER GAVE ME PERMISSION TO DO THESE TRANSACTIONS WHEN SHE WAS CRITICALLY ILL. 
I have sent 3 affidavits to XXXX  XXXX XXXX last week and there is Affidavit # 4 which I am attaching a draft of that will be faxed to Check Digital Frauds Claims department XXXX. They are also in receipt of a dvd with hard evidence that my Mother is not of sound mind now, and in her own voice gave me permission and authorization for the transactions now in question from her filing a false claim against me with XXXX  XXXX XXXX, long after the requirement and her documented knowledge of all these transactions. CHASE BANK HAS NO LEGAL RIGHT TO CONTINUE TO HOLD MY FUNDS AND I am attaching the 4 affidavits to XXXX XXXX XXXX so they can have more insight to the fact and clear up any delusions about wrongful actions on my part and unauthorized activity. I want my funds bank from Chase ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I purchased jewelry from XXXX  XXXX on XX/XX/17 using the XXXX XXXX Store credit card from XXXX XXXX. I returned this item within the 30 day window had my RMA return number : XXXX issued on XX/XX/XXXX. I received a return confirmation from the XXXX XXXX company on XX/XX/17 that they received my return. I used certified mail to return my shipment to the company and they received it on XX/XX/17 which was prior to my payment being due. However due to a 5-15 business day window that they used to inspect my merchandise upon return, they didnt credit my account back for the merchandise return until after my due date was missed and I was charged a {$39.00} late fee. They fully credited the original merchandise and that showed up on the Next statement but because of their inspection processing window they did not issue the full credit when they received the return they only issue the full credit after my due date was missed and my account incurred a {$39.00} late fee. I have refused to pay this {$39.00} fee and have told them that the merchandise was in fact returned to them in its original condition prior to my bill being due. They will not waive this even though the late fee is representing their internal inspection process and not my failure to pay for or return their merchandise. This {$39.00} has now turned into three months of additional late fees and additional interest charges on those late fees, which I believe is illegal. I feel this is completely unfair and they should have issued a provisional credit to my account once they received the merchandise return on XX/XX/17. I dont think my credit scores should be impacted because of their process. They need to remove the late fee and the late fees on top of late fees and expunge all late payments completely from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
On XX/XX/18 : at XXXX I contacted my bank to let them know that I was wiring money to family. At or around XXXX XXXX, I returned a call from a Western Union representative. I was told that the transaction was confirmed and that the receiving party could go pick up the funds which Western Union advertises as " Money in minutes ''. I have the emails showing that transaction was confirmed, only to receive a cancellation, without warning, while receiver had to wait 12 hours at a Western Union waiting to pick up the money. I wasted hours of my life, calling Western Union, answering the same questions, over and over again. On that particular transaction XX/XX/18 I was given a confirmation number XXXX. The money never made it to the receiving end. I was told, 1 hour later, that the transaction was cancelled due to security issues. Lies, lies, and more lies. Nobody knew where my US {$1000.00} went, my family member waited 12 hours at the receiving Western Union end, only to be told another unsubstantiated story. Each time I called, it was a different story. They finally conceded they had my money but it was going to take up to 7 days to get my US {$1000.00} back. Their suggestion? " Mam you need to do a new transaction ( while they had my my $ US {$1000.00} ). I asked them to either credit my money immediately as I don't have another US {$1000.00} sitting around at home. In spite numerous phone calls ( from XX/XX/18 to XX/XX/18 ), the issue was not resolved. Nobody could give me a reasonable answer. Every time I called, I was given absurd and different reasons as to why the transaction was either cancelled or delayed. Problem still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: IN

Complaint narrative:
So recently I had checked my credit report to see that there has been 64 hard inquiries added to my report I have contacted Equifax and XXXX  even added security freezes to my reports, well RIGHT after i added it YET another inquiry was added to my report from direct tv, I have reached out to both companies several times, Equifax deleted all but one on my account and then re-added them. I called each company and all said the same thing, someoene went online to purchase or try to purchase a vehicle and then my information was sold to other dealerships so theres a total of inquiries, the companies couldnt even give me a copy of MY ID, as they said anyone can get online and use someone else 's information, Ive done all i can do, Equifax adv if i faxed them my id they would remove my inquiries, I faxed that over about a month ago nothing changed. XXXX  supervisor i spoke with stated he would have them removed, NOTHING HAS CHANGED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I SENT TWO CERTIFIED LETTERS TO CHASE FOR A CREDIT CARD DEBT THAT HAS BEEN REPORTING ON ALL THREE THE MAJOR CREDIT BUREAU 'S. IN THE AMOUNT OF {$10000.00}. THE ACCOUNT NUMBER THEY ARE REPORTING SHOWS AS XXXX. THE FIRST CERTIFIED LETTER ASKING FOR VERFICATION OF MY SGINATURE WAS SIGNED BY CHASE ON XX/XX/18, THE SECOND CERTIFIED LETTER WAS SIGNED FOR ON XX/XX/18. I RECIEVED NOTHING BACK FROM CHASE EXCEPT FOR STATEMENTS, THERE WAS NO VERFICATION OF MY SIGNATURE. THEY DID NOT PUT A DISPUTE NOTE ON MY ACCOUNT WITHIN THE 30 DAY PERIOD AS WELL. ALSO THEY ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. PLEASE SEE THE FOLLOWING VIOLATIONS BELOW : VIOLATION OF SECTION 609 OF FCRA, SECTION 623 ( A ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had my identity stolen and reported it and told them that i never had a credit card or credit with this company. I dont even have any check books.

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 2018-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I have a Capital One credit card which I use and payoff each month so I don't carry a balance. Back in XX/XX/XXXX I decided to use one of their promotion loan offers to buy a pool liner. I took a loan, via an Access Check, of {$4000.00} which had 0 % interest if paid off in 18 months. I calculated that I would need to pay an extra {$230.00} a month to make sure the loan was paid off prior to 18 months. So, each month when I got my bill/statement I would pay {$230.00} extra on top of the total transactions that were listed on that statement. This way I would continue to completely payoff my credit card each month and also pay an extra {$230.00} which I assumed would be applied to the {$4000.00} loan. 

Now it's XX/XX/XXXX and I wanted to make sure I was on track to paying off the {$4000.00} loan prior to XX/XX/XXXX so I looked closer at my statements and I realized that there is no indication of how much I have paid off so far on my loan and how much I still owe on that loan. So, I called Capital One and after talking with a customer service rep for an hour or two she decided that she was unable to fully help me with my questions. So, I asked to speak to a supervisor and when I did I was told that even though I am paying an extra {$230.00} for each statement, only the minimum payment for the statement is being applied to the loan and then the rest would be applied to transactions that occurred after the end of my statement and prior my check being processed by Capital One. This means there is no way for me to know how much I need to pay for a statement so that {$230.00} goes to the loan. 

I asked how a consumer like me is supposed to calculate what payment I need to make for a bill to be sure I pay off {$230.00} from the loan and he said the best thing to do is call Capital One and ask what is the current balance on the credit card. But that still wont always work either since it takes time for my check to reach and be applied by Capital One and in that time more credit card transactions could come into the account. The supervisor said that his explanation is all in the terms of the loan. 

So, there is really no way for a Capital One consumer to know how much they would need to pay for a bill to ensure that a loan that has a interest free deadline is paid off in time. And there is no way to known how much the loan was reduced with each bill payment. 

This feels wrong to me since I assume this would lead to most consumers not paying off the loan in time and incurring all the accumulated interest on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion and XXXX  have failed to remove all the fraudulent inquiries and accounts from my credit file. I have explained to them how I am a victim of identity theft and through my previous complaint with you, they failed to ignore my request of removing the inquiries that were put on fraudulently. These are the fraudulent inquiries that are currently on my credit file. They have not been removed or updated on my credit report. Transunion claimed that they aren't showing up but when I pulled a current report ( XX/XX/2018 ), they still appear. A supervisor told me today that it would be updated by tonight ( XX/XX/18 ) but this needs to be blocked/removed immediately. You have received all of the theft reports but you continue to fail to follow the law and permanently block my information. The NEW Fraudulent account on my report is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. This account does not belong to me but yet they have added it to my account. Also, XXXX  has the following collections on my account that I have an identity theft report : XXXX XXXX XXXX and XXXX XXXX XXXX. This needs to be removed as soon as possible. Transunion you have been notified about the multiple inquiries on my report from : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please assist and remove.

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 2018-08-06 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: IL

Complaint narrative:
I have been requesting verification of the following account that Equifax continues to report on my credit file : US Bankruptcy court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification XX/XX/2018. On XXXX XXXX I directly called the XXXX XXXX number listed on my report at XXXX and spoke with an agent who informed me that a security freeze was placed on my account as of XXXX XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. Might I also add the bankruptcies were deleted XX/XX/2018 HOWEVER Equifax added them back on my credit report without giving me a 5-day reinsertion notice which I have proof of and shows a clear violation on Equifax part on reporting accurate information. 
Might I also add on XXXX XXXX I directly called the number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with an agent who advised me that my security freeze was confirmed and set into place XX/XX/2018. She also told me there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported XX/XX/2018. 
I demand that this public record US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifaxs so-called verification on XX/XX/2018 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX  CONSUMER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is XXXX XXXX address and a statement saying, the account was verified. I demand that this unverified account : US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is PERMENANTLY DELETED FROM MY CREDIT FILE. 
I demand and request this public record US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is removed/ DELETED PERMENANTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. Two XXXX XXXX agents assured me that Equifaxs XX/XX/2018 reported date and verification date DID NOT come from XXXX XXXX because they DO NOT disclose information on accounts with a security freeze placed on them. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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:
XXXX and Equifax have failed to remove all the fraudulent inquiries and accounts from my credit file. I have explained to them how I am a victim of identity theft and through my previous complaint with you, they failed to ignore my request of removing the inquiries that were put on fraudulently. These are the fraudulent inquiries that are currently on my credit file. They have not been removed or updated on my credit report. XXXX  claimed that they aren't showing up but when I pulled a current report ( XX/XX/2018 ), they still appear. A supervisor told me today that it would be updated by tonight ( XX/XX/18 ) but this needs to be blocked/removed immediately. You have received all of the theft reports but you continue to fail to follow the law and permanently block my information. The NEW Fraudulent account on my report is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. This account does not belong to me but yet they have added it to my account. Also, Equifax has the following collections on my account that I have an identity theft report : XXXX XXXX XXXX and XXXX XXXX XXXX. This needs to be removed as soon as possible. XXXX  you have been notified about the multiple inquiries on my report from : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please assist and remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I have an XXXX  that holds an investment property. I took a loan on this investment property in the 3rd quarter of XXXX. The original lender sold the loan and its servicing rights to XXXX XXXX. Since that moment in time, I started having issues with their online portal as well as customer service. 

I experienced recurring issues with late fees due to lack of proper communication and system portal issues. I called customer service on XX/XX/XXXX to remove a late charge that they imposed on me. I made the loan payment plus the late charge. They cancelled my payment in order to clear the late charge but then they told me that I never made another payment. It feels like words are lost in translation and either I don't understand what they want or perhaps they don't understand what they want. I kept telling them that I need my late fees removed when suddenly i am getting additional late fees imposed on me. I asked to speak to a supervisor and they transferred me to a lady by the name XXXX XXXX. She did not want to help and was pretty rude over the phone. 
All in all, I feel that this lender is supposed to provide proper loan servicing services but instead they treat customers like they are trash. It is a very unpleasant experience. I look forward to refinance my loan asap just to avoid dealing with this company.

Company response to consumer: Closed with explanation