vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
This issue has been happening during last two months for at least 11 times. My credit card is the Chase Sapphire Reserve, whose annual fee is {$390.00}. The first time when I used it is in the XXXX Airport in the XXXX XXXX Koisk, I was trying to pay the luggage fee, I tried at least 10 times and even the XXXX XXXX service representative also helped me to go through, but still have problem to pay. It took me 20 minutes and I have to use another card and it works. Since the Reserve have 3 % cash back for traveling, but it doesnt work in Ariport, very weird and I feel Chase is pretended for me to not use in the 3 % category transaction. This issue also happened when I was trying to use in my local ice cream shop and even buying a French Fries, all happen in the 3 % category transaction. Since I can still use it for the other places and doesnt have this issue. Sometimes it shows a processing error and when I used another card, there is absolutely no issue at all. I feel so disappointed and frustrated since I paid {$390.00} per year but I even couldnt successfully buy an ice cream or fries in local stores. This card is always my top credit card in my wallet and sometimes I only carried this card in my wallet. Since this card cant go through, I even have no way to buy food! The {$390.00} annual fee doesnt worth its value. I think Chase is cheated on me even for its very basic value/function. I questioned that if I paid {$390.00} per year but cant even use my card successfully, this doesnt make any sense. Another thing is : the Chases customer service is soo poor, I wait for 12 minutes to connect with a representive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: GA

Complaint narrative:
I have tried to get these accounts updated. I have 2 accounts with XXXX XXXX that were open and now closed that were both paid off. Please look into this situation and either update or remove from my report. These accounts with XXXX XXXX were paid off a few years ago. 

Acct # 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 2019-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello. My name is XXXX XXXX and I am a XXXX XXXX veteran. I just saw an article about Wells Fargo Bank ripping customers off by charging high fees. I use to be a customer of Wells Fargo a few years ago and canceled my accounts because they were charging me high fees for no reason. When I confronted them on the issue, they said they could not give me my money back because I did not make a complaint within 30 days. This made no sense because I contacted them numerous of times about the fees and they still charged them anyways. 

Wells Fargo was miscalculating the fees and telling customers they would remove them when they did not. Since it did not stop, I canceled my accounts. I was very disappointed in them because not only were they ripping other customers off besides myself, they also targeted XXXX XXXXXXXX with their so called " XXXX XXXX '' accounts. I got no help trying to file a complaint against them and just gave up because these big banks were just doing whatever they want when they want. I was also dealing with another big bank XXXX that was also ripping their customers off. Something needs to be put in place so these big banks can stop discriminating and ripping-off their customers. 

How can I join in on the class action lawsuit against Wells Fargo? 

Cordially, 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 2019-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: CA

Complaint narrative:
Loanme INC has been illegally recording my confidential communications phone calls without my permission/consent. They do not tell you at the onset of the call that the call is being recorded. I am requesting that your office please investigate them. I have attached a letter from them via the CFPB that they sent, which states they are illegally recording. 

In the CFPB Complaint in line 1-3 they say We have reviewed XXXX XXXX ( Mr. XXXX ) complaint filed on XX/XX/2019, as well as our records and telephone conversations, all of which are recorded. PROOF THEY ARE RECORDING not only me, but consumers nationwide as well without consent. They never had any previous permission and if they think they did it was under false pretenses. 

I am requesting they contact my authorized representative to resolve. 

XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX Loanme XXXX is located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX www.Loanme.com fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I purchased this truck through CREDIT ACCEPTANCE CORP after I filed for bankruptcy the vehicle loan was not included in the bankruptcy. I found out that CREDIT ACCEPTANCE CORP decided on their own to list the vehicle financing in the bankruptcy. I called the finance company and tried to explain that the vehicle was not included in the bankruptcy but the finance company wouldn't listen and has listed the loan on my credit report as closed and isn't reporting any payment information thus affecting my credit negatively. They now require me to sign a reaffirmation document which I should not have to sign because the loan wasn't included in the bankruptcy.

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 2019-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi has repeatedly shut off my card even after verifying my identity with them. I have now tried to cancel the account, and they are refusing to do so, claiming that they sent a letter to my house which has a " code '' in it, even though no letter has arrived. I have given them my security words, let them send text messages to my phone, logged in through the website, talked to chat agents, talked to at least five phone agents, and I am still unable to cancel my account. I think, at this point, it's just fraud.

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 2019-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
my credit score dropped 30 points when i got a refinane on a car loan paidoff previos loan im never late on payments the credit sites need to restructue there credit reports im very upset reading on other forems people have up tp 60 points on there creit score when getting a new loan unfair can you do somthing about it for all the peole in cludig yourselves send all coment to all the credit sites

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 2019-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
US Bank purchased my home mortgage. 
It was a no escrow loan at origination and the original lender did not require flood insurance. 
US bank later acquired the loan and demanded I obtain flood insurance. 
US bank then set up a forced placed escrow that I contested to pay flood insurance. 
US Bank then purchased their own flood insurance at a cost of about 3x the price of my own policy that I was in the process of obtaining anyway. 
I rejected their policy as was my right in favor of my own less expensive policy with he same coverage. 
I believe the policy US bank issued is with their affiliate and US Bank benefited from the transaction financially without disclosing the affiliated relationship to me. 
Despite my securing my own flood insurance US bank refuses to remove the forced placed escrow despite the fact i obtained and maintain a fully paid annual flood policy. 
US bank has permanently raised my monthly mortgage payment by hundreds of dollars per month against the terms of the note I signed. 
US Bank alleges I am in default and have threatened foreclosure, and have instituted aggressive collection action against me. 
I have paid my payments timely every month since inception of this loan based on the amount of the note and mortgage. 
US Bank has not used best practices in dealing with me as their customer and has set up a self serving " suspense '' account to hold my timely mortgage payments and deem them late each month due to what they call a " shortage ''. 
US bank is charging me late payment penalties and penalty interest on the fictional payment that they contrived that I refuse to pay. 
US bank is reporting to credit agencies that I am in default of my mortgage adversely affecting my credit rating despite my timely payments. 

I have exhausted all reasonable attempts to resolve this.

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 2019-03-24 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: SC

Complaint narrative:
Please remove this information from credit report. Please block any further attempt of these accounts being reported in the further or sold an being reported from another collection agency. Please remove this information within the time frame stated by law. Thanks in advance for you help and understanding. Please send me a copy of my report to the address on file. I will attached documents to support my claims. 
A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-03-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX absolutely refuse to add my free 100 word statement to my credit report for past and future creditors to view. I have sent letters 3  times to both of them and have all been returned not opened. XXXX   has added my statement to my credit file with no problems at all. I spoke to an Equifax rep yesterday and all she wanted to do was argue and kept telling me there is " no 100 word '' statement that can be put on your credit file. 

I have contacted XXXX XXXX several times over the last 6 months of XX/XX/XXXX in an effort to consolidate my 4 credit card accounts with them. On each one of my 4 XXXX XXXX cards, I pay 23.99 % interest on each card. My goal was to consolidate all 4 accounts and have one  payment / interest rate. 

The reason I am sending this complaint to you is to request that you add this 100 word statement to my credit file for past and future creditors to review. My finance of 12 years and I have parted ways and I have lost over / one half of my monthly income. 

PLEASE PUT THE STATEMENT BELOW ON MY CREDIT FILE : I am no longer able to pay my 4 XXXX  XXXX credit card payments at 23.99 % interest on each card, due to losing of my income. My long term fiance and I are no longer engaged and I have had to stop making payments. Due to being on a XXXX income, there is no foreseeable way for me to continue to make payments or pay off these accounts. My bankruptcy in XX/XX/XXXX was due to wrongful foreclosure. I was advised to include my home to avoid future replevin from the bank. I have a long history of good credit. 

End of statement. 

I am unable to make payments on the accounts below ; XXXX XXXX Account # ending in - XXXX XXXX  XXXX Account # ending in - XXXX XXXX  XXXX Account # ending in - XXXX XXXX XXXX Account # ending in XXXX XXXX   XXXX Account # ending in - XXXX XXXX Account # ending in - XXXX XXXX XXXX XXXX Account # - account number not available I am entitled to a 100 word statement to be placed in my credit file - any help you could give me to get the 2 credit agencies to put my statement in my file for review would be deeply appreciated. Thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Corporations and financial institutions, Credit card company that was closed out after debt Was satisfied and continue to false reporting to the three credit agencies, XXXX, XXXX and XXXX, 1.  XXXX visa credit card not belongs to me and was on the reporting since XXXX or Before account closed still reporting,. 
2. XXXX XXXX XXXX false reporting after debt was set off. 
3. XXXX XXXX located Texas carried out wrongful Grand Thief Auto without any Warning or notice after debt been set off back in XX/XX/XXXX. 
4. Few inquiers like mortgage loans which does not belongs period and other inquiers And we write them many letters and they come off one month and sneak back on the next month and refuse to validate the debt as we reach out many times. Paid credit repairs Company only to continue capitalizing XXXX from us and my good credit score of XXXX is now In the XXXX 's score due to all false reporting. I am the real party creditor file XXXX with Department of state which now have full faith and credit by the state and if the three credit Bureau continue to give false reporting their should be lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: NY

Complaint narrative:
Information is reporting on my credit report that does not belong to me. I have never had a cell phone plan or a credit card. EVER! I only use pre-paid phones. And I have never used a credit card in my life. At the time that these accounts were opened, I was incarcerated. I complained to the FTC and also the FBOP because I am unable to obtain work or ever get a cell phone plan Please remove these items from my report XXXX/XXXX XXXX XXXX  - Opened XX/XX/2018 Balance {$1200.00} XXXX XXXX XXXX - Opened XX/XX/2018 Balace {$460.00}

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 2019-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: LA

Complaint narrative:
Caliber home Loans violated The Real Estate Settlement Procedures Act of 1974 ( 12 USC 2601 ) ( RESPA ), together with HUDs Regulation X ( 24 CFR 3500 ), AND Louisiana RS 13:3852 Notices of Seizure as an official NOTICE of violation of Mennonite Notice for notification, AND sold a lot they had no fiduciary right to sell based on a contract and property description they acquired from XXXX   XXXX.

In Louisiana, the civil law, unlike the common law, has always rejected the notion of " creditor self-help. '' The harshness of common law " self-help '' remedies has been tempered by the United States Supreme Court decisions that use procedural due process to prevent a creditor from permanently depriving an owner of property without notice and a chance to raise objections to the proceeding. Caliber sold a property without properly notifying me, in addition, made the buyer unaware that the home they foreclosed on was on ONE OF TWO LOTS. The second lot was not a part on ANY contract entered into with XXXX  XXXX  ( as can be proven by my contract with an original lot description ) As the owner of the property secured on Account number XXXX, I was never contacted as to the seizure of the property at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX..And the current " owner '' has been made to believe they own the adjacent lot. I am looking to take possession of this lot immediately through settlement or juris prudence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXXt XXXX XXXX XXXX does not work. the site returns a " technical difficulties '' error after submitting the first form. I tried all browsers and the problem is with the site. there is no number to call to speak with a human being. Going directly to any of the three reporting companies doesn't work because they only offer a paid service or require me to create an account. I do not want to sign up for anything. I do not want to order a report by mail. I want to get my credit report for free online. I want the site to 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 2019-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I went to XXXX XXXX to get an annual free credit report and which time I was deceptively charged a recurring charge/fee of {$24.00} on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX I attempted to contact the merchant Experian and requested a refund and was denied, Debt validation letter was denied, any proof of purchase ( wasn't able to provide ), asked about why I didn't recivce any reciept of purchase or achknowledgement of purchase wasn't able to provide, and requested a supervisor/manager was told that there are none that work on the weekends.

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 2019-03-24 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: NY

Complaint narrative:
Information is reporting on my credit report that does not belong to me. I have never had a cell phone plan or a credit card. EVER! I only use pre-paid phones. And I have never used a credit card in my life. At the time that these accounts were opened, I was XXXX. I complained to the FTC and also the XXXX because I am unable to obtain work or ever get a cell phone plan Please remove these items from my report XXXX XXXX XXXX - Opened XX/XX/2018 Balance {$1200.00} XXXX XXXX XXXX  - Opened XX/XX/2018 Balace {$460.00}

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 2019-03-24 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: NY

Complaint narrative:
Information is reporting on my credit report that does not belong to me. I have never had a cell phone plan or a credit card. EVER! I only use pre-paid phones. And I have never used a credit card in my life. At the time that these accounts were opened, I was XXXX. I complained to the FTC and also the FBOP because I am unable to obtain work or ever get a cell phone plan Please remove these items from my report XXXX XXXX   XXXX  - Opened XX/XX/2018 Balance {$1200.00} XXXX XXXX XXXX - Opened XX/XX/2018 Balace {$460.00}

Company response to consumer: Closed with explanation