vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My card advertises certain protections including purchase protection. As long as the terms are met, my purchases are covered from accidental damage/theft/etc. I bought a XXXX action camera that I accidentally damaged. I was within the protection period for purchase protection. I submitted a claim and was subsequently denied because I did not take " reasonable '' care of my camera. I used the camera exactly as it was intended and always had it in my possession and safe. It was damaged due to accidental use. The claims adjuster provided no definition of " reasonable '' care nor did they explain why they are an expert on what reasonable care of a XXXX  is. I requested reconsideration twice and received no response except a duplicate of the denial letter. I called and requested a formalized complaint and was assured my issue would be addressed. I never received any further communication about it There is no definition of reasonable care in the terms and conditions. This allows adjusters to arbitrarily decide what is considered reasonable and what is not. It creates an option to unfairly deny customers ' claims while still advertising the benefit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CA

Complaint narrative:
Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts. 

This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent. 

I have never had a credit card with chase and therefore any account with chase has to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CA

Complaint narrative:
Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts. 

This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent. 

I have never had a credit card with chase and therefore any account with chase has to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
Mortgage loan LTV reached 80 % in XX/XX/XXXX. My husband and I requested a PMI cancellation, in writing, to the company. They then sent a letter to use stating the need for a BPO to determine the current home value. At this time, the representative stated that when PMI is cancelled, since it would take a few weeks to review, we would receive a reimbursement for any unnecessary PMI we have paid. Instead of having the BPO completed, in XXXX, we made an additional payment, bringing the LTV below 78 %, at which point, the website states that PMI will automatically be terminated. PMI continued to be applied to our payment. On XX/XX/XXXX, after I had not heard back from the company twice after submitting e-mails through their website, I spoke to a representative at the company by phone regarding PMI cancellation. They stated that a work order had to be submitted in order for PMI to be cancelled and we would hear back by XX/XX/XXXX at the latest, but likely sooner. After not hearing from anything or receiving documentation, I called the company on XX/XX/XXXX, who stated that they sent the letter on XX/XX/XXXX ( we had not yet received it ) stating the need for a BPO but  that the work order was never actually investigated. After I reminded the representative that the BPO was not required once the LTV was below 78 % ( per the Homeowners Protection Act of XXXX and their website that states automatic termination ), the representative supposedly spoke to a supervisor. They then said that a new letter would be sent out with the next 7 days confirming cancellation of PMI. As of today, XX/XX/XXXX, PMI is still applied to our account and we have not received a letter regarding PMI.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I got denied a loan for a car, and the salesman helped me request copies of my credit reports because he was telling me about repossessions that I'd never had, so I ordered all of my reports. There, I found other things on my reports that I had never heard of, and proceeded to write letters to the XXXX and Experian bureaus disputing a lot of these items, and to XXXX requesting a credit report because they claimed not to find me by my information when I called in, despite XXXX XXXX 's service finding my XXXX report supposedly. ( All were mailed out and received with tracking numbers XXXX, and XXXX on the XXXX. ) Oddly, I didn't hear back from any of the three agencies at all. With XXXX, despite writing and telling them that I was being denied credit and sent them another letter requesting the credit report and checking of all inquiries as there are a LOT on my file that I haven't authorized. I had allowed extra time, this being the first time I'd done this, but someone showed me the FCRA, and said I should write all of them back because since they hadn't replied, all that information should be corrected as they'd passed the time frames of federal law. 

I followed that advice for the other two - XXXX and Experian, and sent a letter stating that they were in violation of the Fair Credit Reporting Act ( that I found a copy of on CFPB 's site ) and XXXX acted swiftly to remove the items from the first report, and I have asked them to check into all this mass amount of inquiries that had appeared in the last year as well, This was sent on XX/XX/2019, but I have not heard back yet. Experian, however, responded on XX/XX/2019 for the first time. They were initially mailed the XX/XX/XXXX, and USPS tracking shows received they received it on XX/XX/2019. However, they did not delete items, and keep responding with saying things have not been removed at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CA

Complaint narrative:
YESTERDAY XX/XX/2020 I WENT TO TRY TO PURCHASE A HOUSE WITH XXXX XXXX AND WAS DENIED FOR HAVE 5 NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I HAVE NEVER AUTHORIZED ANY OF THESE ACCOUNTS FROM BEING OPEN NOR HAVE I EVER LET XXXX XXXX OPEN THESE ACCOUNTS IN MY NAME. I HAVE NEVER BENEFITED FROM ANY OF THESE ACCOUNTS EVER BEING OPEN OR HAVE RECEIVED MONEY OR GOODS IN GOOD FAITH FROM THE ACCOUNTS. PLEASE REMOVE THEM FROM MY CREDIT REPORT. I HAVE FILED A POLICE REPORT REGARDING XXXX XXXX AND THE ACCOUNTS THAT HE OPENED. 


I HAVE REACHED OUT TO EVERY COMPANY THAT OPENED THESE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHED DOCUMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CA

Complaint narrative:
YESTERDAY XX/XX/2020 I WENT TO TRY TO PURCHASE A HOUSE WITH XXXX XXXX AND WAS DENIED FOR HAVE 5 NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I HAVE NEVER AUTHORIZED ANY OF THESE ACCOUNTS FROM BEING OPEN NOR HAVE I EVER LET XXXX XXXX OPEN THESE ACCOUNTS IN MY NAME. I HAVE NEVER BENEFITED FROM ANY OF THESE ACCOUNTS EVER BEING OPEN OR HAVE RECEIVED MONEY OR GOODS IN GOOD FAITH FROM THE ACCOUNTS. PLEASE REMOVE THEM FROM MY CREDIT REPORT. I HAVE FILED A POLICE REPORT REGARDING XXXX XXXX AND THE ACCOUNTS THAT HE OPENED. 


I HAVE REACHED OUT TO EVERY COMPANY THAT OPENED THESE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHED DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America closed a personal checking account in XX/XX/XXXX without notice. 
The impact of the actions is seen on the credit score which thus far has been in the 700s and has dropped to below 600. 
Communication with various front line staff has not provided any feedback as to why the Bank suddenly closed the account after being a customer from XXXX. 
The resultant implications include : not being allowed employment on account of credit scores Communications with possible employers Intent to repossess property which is mortgaged through XXXX under XXXX XXXX Requiring information verbally but not providing any written documents thereafter for more than 30 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 2020-01-11 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
In XX/XX/XXXX I received in the postal mail an offer to receive the Southwest Rapid Rewards Chase credit card. The offer included a 0 % interest rate for 12 months from account opening. The exact invitation number on the offer that I entered when I applied was XXXX. I received the card in XX/XX/XXXX, and chase has charged interest in the amount of {$170.00}, when the offer clearly stated 0 % interest for the first 12 months.On XX/XX/XXXX, I logged into chase.com and emailed them via the secure message, and attached the original offer letter showing the 0 % promotion. Why have they been charging me interest? They keep deflecting my secure messages with information that is not related to my problem. Can they check that offer invitation number from XX/XX/XXXX, and see that it offers 0 % interest for 12 months? I saved the original offer letter, which I attached to my secure message, so they could verify what I should have received. I received the card stated on the offer letter. ****Please help chase to understand that I should not have been charged any interest for the first 12 months of account opening in XX/XX/XXXX. THEY NEED TO HONOR THE WRITTEN INVITATION NUMBER THAT I ENTERED WHEN I APPLIED FOR AND RECEIVED THE CARD THAT STATED ZERO PERCENT APR ON PURCHASES FOR 12 MONTHS FROM ACCOUNT OPENING. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-11 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: NM

Complaint narrative:
Equifax, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX - J.P. Morgan Chase closed all my credit card accounts and informs me that I would receive a letter stating their reasons for closure. At the time, I had XXXX Ultimate Rewards points. 

XX/XX/XXXX - I received the letter from Chase ( see attached ). On it, they state If you redeem rewards through Chase, you have at least 30 days to use them or youll lose them. 

XX/XX/XXXX - Attempted to transfer XXXX Ultimate Rewards to XXXX. Received confirmation number, but transfer does not occur. See attached confirmation screenshot. 

XX/XX/XXXX - Attempted second transfer of XXXX Ultimate Rewards to XXXX. Received confirmation number, but transfer does not occur. See attached confirmation screenshot. 

XX/XX/XXXX - Attempted third transfer of XXXX Ultimate Rewards to XXXX. Received confirmation number, but transfer does not occur. See attached confirmation screenshot. Additionally faxed my information to the J.P. Morgan Executive Office for review. 

XX/XX/XXXX - Executive office calls me and refuses to initiate transfer, despite terms stating I should be able to within 30 days of account closure. They cited bullet Before your rewards are used or transferred, you can lose them for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of your rewards program. I asked the representative to inform me what term I actually violated to warrant their action and they refused to inform me, stating that they did not have to and simply recited the reasons for credit card account closure, which do not have any bearing on the ultimate rewards program. Additionally, as of today, XX/XX/XXXX, the rewards balance of XXXX remain in my account. See screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: NM

Complaint narrative:
XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: NM

Complaint narrative:
XXXX, Experian and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MN

Complaint narrative:
Have started to notice XXXX XXXX delays applying payment when paying by mail, at least 5 days, can be up to 10, now trying to pay online, and their online payment system is down, so they can collect more interest. this may be coincidental but, the optics look bad.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2019, I identified what appear to be several fraudulent transactions on my Bank of America credit card account, following extensive travel within the US.  My card was no longer in my possession, and it is my belief that the card was stolen and/or cloned, as there were many transactions that I could not identify during this period. I contacted Bank of America over the phone, attempted to identify all possible fraudulent transactions with the attending agent, and was informed that a fraud investigation had been opened. 

On XX/XX/2019, the Company issued several provisional credits for these unidentified charges. In the subsequent three weeks, I have received no written correspondence as to the opening of this fraud claim nor its ongoing status. Rather, to obtain the latest status report, it appears I am being forced to access the online Message Center, where the status this entire time has and continues to be, " Researching claim ''. 

I do not believe this behavior is in compliance with the Fair Credit Billing Act, which requires formal written correspondence for these matters. Additionally, I would note that I have never opted into paperless delivery of any account communications, much less something as significant as fraud. 

Further, I do not feel my consumer rights are properly protected, if I am being forced to continually access the portal for updates or possible future information requests from the Company during their process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've reached out to CAPITAL ONE and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report which violates federal law. 

Account Name : CAPITAL ONE Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation