vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I applied for the Chase Southwest Rapid Rewards credit card in XXXX, which has a {$69.00} annual fee. When I initially called Chase to ask about the terms, I got an impression that the annual fee was tied to my Southwest Rapid Rewards program, which would give me discounted flight prices. I used the card only a few times in XXXX and once in XXXX. I had not used the credit card for any purchase since XX/XX/XXXX, but had to keep this card active and paid the annual fee every year just to get the " member discount rate '' to fly Southwest, which was never true.

Recently I got charged again for the {$69.00} of annual membership fee, and I called Chase to find out what they really meant by the membership fee. The person who talked to me on the phone told me that the fee has nothing to do with the price of Southwest flights. I then asked her to consider refund me the annual fees that I paid for XXXX through XXXX because I had never used the credit card and had a misunderstanding about the fee. She said she could only remove the fee for XXXX and by paying the annual fee, I got XXXX Southwest points each time. However, it doesn't sound reasonable to pay {$69.00} just to get XXXX points. I feel being misled and these charges are not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ACI Worldwide, Corp.
State: AR

Complaint narrative:
XXXX SOLD XXXX XXXX TO XXXX XXXX AND ARE BOTH FAILING TO FURNISH ALL WIRE TRANSFERS TO XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: EQUIFAX, INC.
State: AR

Complaint narrative:
TOTAL IS FAILING TO UPDATE CREDIT REPORTS SHOULD BE PAID CHARGE OFF XXXX XXXX TO DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX  multiple times to correct an error on my credit report. The facts are these : The dispute in question is late payment due on XX/XX/XXXX XXXX {$430.00}. FOUR DAYS later, I made a payment on XX/XX/XXXX of {$300.00} and the balance of {$170.00} on XX/XX/XXXX, completing the full payment EIGHT DAYS later on XXXX/XXXX/XXXX. Not more than 30 days when a report to the credit bureau would be in order. XXXX XXXX did not credit my account until XXXX. 
I have provided my bank statement to XXXX XXXX proving the funds have been received by XXXX XXXX on XX/XX/XXXX. XXXX XXXX statements confirm the payment was made on XXXX, but they will not remove the late payment from the three credit bureaus. It is the only mark against my credit. 
I have contacted the three credit bureaus on XX/XX/XXXX with a copy to XXXX XXXX  to rectify the problem, Yesterday, XX/XX/XXXX I received notice from one of my credit reporting agencies ( not XXXX XXXX ) that XXXX XXXX dropped my credit limit from {$16000.00} to {$5000.00} which negatively my credit score. I closed my account with XXXX XXXX today XX/XX/XXXX. 
The issue with the late payment on the three credit bureaus has not been resolved.

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 2021-07-24 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: Receivables Management Partners, LLC
State: AL

Complaint narrative:
I sent letters to have items verified to the credit bureaus and have not received a response. Letters were sent on XX/XX/2021 and items have not been verified or removed. Items have been listed as investigated, and has dropped my credit score but I have not received any notification electronically or by mail with an explanation. I have sent more letters on XX/XX/2021. I am looking to become a homeowner and this is really hurting my chances and hurting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I received a XXXX  XXXX  XXXX  for XXXX for {$200.00}. When I tried to use it, the money wasn't there. I called the Visa Card Customer Service XXXX, found out where the charge was made, and called the department store. Someone made an online purchase for the full {$200.00} then picked up the merchandise at the store location. Their identity is unknown. I immediately called back the XXXX  XXXX  XXXX  Service number to make a report. They then instructed me to fill out a Card Holder Dispute Form, email it in, and I would get refunded the money back on my card. It's been 6 months and they never placed the money back on my gift card like they told me they would. I have attempted to call them, and email them multiple times without a response, and NO REFUND.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One closed my account with 5+ years of history and another with almost 3 years of history because of inputting the wrong checking account ( my direct deposit account for my paycheck allows ACH payments, my travel debit account does not ) so I had 2 ACH returned payments, they instantly closed my account and I did not receive a document stating they were closed until the next day. Make 1 mistake and they will close your accounts. Even made the full payment the following day with the correct checking account. After speaking with manager upon manager the only answer I received was " Capital One reserves the right to close your account for any reason we deem necessary '' Will never do business with them again. Really screwed up my credit history because of 1 mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have made several phone calls to dispute inaccurate information regarding accounts, This company refuses to correct or verity information while yet still reporting false information for over five years. I have disputed these accounts on line as well with no prevail. This company continues to report misleading information inaccurate information and refuses to update accurate and current information. 17 of my accounts should have XXXX  balances and reported current or removed from my report. This company does not verify the validity of information before reporting it. This company is reporting false information about student loans and credit cards which is inaccurate causing my credit score to plummet. This has been a continuous pattern for over 5 years.

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 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent an offical letter of dispute on XX/XX/2021 and followed up with a complaint on the CFPB. XXXX  and Equifax did not respond and have not responsed in the given time frame and still the errors are present on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XX/XX/XXXX {$6400.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX XXXX These accounts are fraudulent and were possibly opened due to identity theft. I challenge the accuracy, compliance, and reportability of these accounts. Please validate this information with these accounts and provide me with copies of any documentation associated with this account, bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: WA

Complaint narrative:
Our home loan has been with XXXX XXXX XXXX for a few years. In XXXX of this year, servicing was transferred to Dovenmuehle Mortgage , Inc ( MDI ). However, XXXX XXXX XXXX claimed that we missed a payment so the loan was transferred over as being 1 month late. I have several letters and e-mails from XXXX XXXX XXXX showing where they made the mistake. However, MDI have yet to make the correction in their records and continue to call and send letters threatening collection. I have a letter included in this complaint from the VP, Senior Compliance Officer XXXX XXXX from XXXX XXXX XXXX acknowledging the error and explaining how it is being corrected. I was told that I could expect MDI 's systems to reflect the corrections by XX/XX/XXXX. XX/XX/XXXX has come and gone and the only thing I have is a note from my in laws saying that the collections department of MDI called them to ask for the overdue payment. 

This is a follow on from the complaint I filed about the XXXX XXXX XXXX : Complaint filed with the CFPB ( Ref No. XXXX ) which detailed the mistakes XXXX XXXX XXXX made in applying my payments and the lack of ability of their customer service team, save XXXX XXXX who has been great, to make the corrections since the issue was first noticed back in late XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: MA

Complaint narrative:
This issue has been making life very difficult. I can not begin to tell you how many times I have submitted proof of innacurate reporting from XXXX. Back in XXXX this account was supposed to be closed and removed from my account and for the past couple of months I have been doing nothing but providing proof of this. Today I checked my credit report and it showed that my credit report has gone down XXXX points due to this account. I have already put in an offer for my house which was accepted, and this on my account is the worst thing that could happen. This account is closed, so why would my credit score go down because of a missed payment? If you check your records, you will see that I have shown proof that this account should no longer be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have three accounts ( all from XXXX  ) that have been paid in full and closed. Experian is still showing as active with balance owed. Tried disputing with Experian but they reported information is correct.

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 2021-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I am experiencing identity theft and monitor my credit closely. I received notice that an account closed, upon review it was closed based on credit information that is currently affected by identity theft. Consumer contacted the company and explained the situation. Consumer asked for the company to add a remark onto all credit bureaus indicated consumer notified them that they are experiencing identity theft but this company still chooses to decline reconsideration. The company asked consumer to reapply once credit issues get resolved. Why, would I want to work with a company that has zero compassion for a person who has been a loyal consumer for over 10 years. And zero consideration to put the account on pause or freeze it. They had no other solutions but to maintain there current stance of closing account based on inaccurate information. The card company is with Best Buy Store card. So please be wary if you do get this card and experience the misfortune of identity theft because they will close your account and not care about the victimization of identity theft. I will never buy a product or ever apply for credit through this card company in my lifetime.

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 2021-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This issue has been making life very difficult. I can not begin to tell you how many times I have submitted proof of innacurate reporting from XXXX. Back in XXXX this account was supposed to be closed and removed from my account and for the past couple of months I have been doing nothing but providing proof of this. Today I checked my credit report and it showed that my credit report has gone down XXXX points due to this account. I have already put in an offer for my house which was accepted, and this on my account is the worst thing that could happen. This account is closed, so why would my credit score go down because of a missed payment? If you check your records, you will see that I have shown proof that this account should no longer be on 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 2021-07-24 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: MA

Complaint narrative:
This issue has been making life very difficult. I can not begin to tell you how many times I have submitted proof of innacurate reporting from XXXX. Back in XXXX this account was supposed to be closed and removed from my account and for the past couple of months I have been doing nothing but providing proof of this. Today I checked my credit report and it showed that my credit report has gone down XXXX points due to this account. I have already put in an offer for my house which was accepted, and this on my account is the worst thing that could happen. This account is closed, so why would my credit score go down because of a missed payment? If you check your records, you will see that I have shown proof that this account should no longer be on 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 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting a collection account on my credit report from XXXX XXXX XXXX and is reporting an original amount of {$2600.00} this amount is erroneous the right original amount is {$2600.00}. Attach to this dispute I am sending a letter from the original creditor where it shows the original amount to prove my claim.

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 2021-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: LA

Complaint narrative:
I bank with Chime. Each month I pay my rent with a check or checks submitted and mailed by Chime to my landlady. On XX/XX/2021, I had 2 {$450.00} checks mailed within 24 hours of each other. Neither have arrived to date. Their records that were visible to me said that one was mailed and that the other was processed. After attempting to explain my predicament to two different agents that struggled with English and didnt comprehend what I needed ( to get my money to the recipient or back to me ASAP or provide the best solution that would be the most favorable to my specific case ), I was referred to the escalation department who emailed me without a solution or assurance that they understood my situation either. Meanwhile, I dont have my money, my landlady hasnt been paid, and they havent given me an answer or a solution to help me in this situation that they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
CHRYSLER CAPITAL account, date of reporting XX/XX/2021 Chrysler credit ids reporting erroneous information on my Credit report. Disputed with CRA 's nothing happened. violations are 1 ) No date of closed or by whom 2 ) no credit limit reported 3 ) no date of last activity or payment 4 ) no answer to 623 request. These are FCRA violations and account must be deleted. This account was sold to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: TN

Complaint narrative:
XXXX XXXX XXXX have requested several time for written proof from the courts. On XX/XX/2021, which is my finial notice. 

XXXX XXXX XXXX dispute any and all alleged debt in reference to CHAPTER XXXX. Notwithstanding the provisions of section 604 [ 1681b ] or any other provision of this title, a consumer reporting agency shall furnish identifying information respecting a consumer, limited to name, address, former addresses, places of employment, or former places of employment, to the Federal Bureau of Investigation when presented with a written request, signed by the Director or the Directors desig-nee, which certifies compliance with this subsection. This error is causing emotional distress, I do not want to run the risk of being denied, paying high Interest fees, denial of lines of credit. 

XXXX XXXX XXXX dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. PLEASE HAVE IN WRITIEN WHER THE COURTS GIVE YOU PRERISSION TO ADD THIS BANKRUCY TO MY CREDIT REPORT. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days.

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 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
In early XXXX I entered financial hardship and became late paying my American Express credit card account. I closed the account in XXXX of XXXX with an outstanding balance and already late on payments. American Express reported my account with late payments / delinquent then soon after in collections / charge-off. Years later, the payment history on my account was removed from XXXX ( earliest payment history record available as of today ) through XX/XX/XXXX. This payment history was previously reported as late, then updated to " no information ''. American Express has reported the date delinquent on the account as XX/XX/XXXX - more than

15 moths later than the actual date of delinquency. This allows the account to [ fraudulently and unethically ] remain on my credit reports for 7 years from the " date delinquent '' and impedes the CRAs from determining the actual date of first delinquency as advised by FCRA 623 ( a ) ( 5 ) ( B ) 5 or the factual date first delinquent. It is my belief that American Express is purposely and knowingly using unethical and illegal collections practices whereby they remove payment history from consumer accounts and choosing a significantly later date of reported delinquency than the 'actual ' - preventing the consumer from having the account removed from their credit reports thereby continuing to negatively impact their ongoing credit worthiness and financial health.
I can include a copy of my credit reports showing the missing information if required - but prefer to not attach it at this time ... only if it is necessary.

Company response to consumer: Closed with explanation