vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
submitted dispute, requested documentation and received none as to the verification of disputed accounts, contacted the collection agencies to request documentation, collection agency could not or would not comply with request for documentation related to accounts, reported this to Experian, derogatory still active on report. 3 months later try to request another dispute thru Experian and am told I cant dispute an item I disputed before, no where in the FCRA regulations does it say I'm limited to the amount of times I can dispute an item on my report. I have screen shots of me trying to dispute items on my Experian report and it telling me Sorry you cant dispute an item you have previously disputed 3 months ago or for any time before.

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 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Credit report shows a {$210.00} delinquent account on a JPMCB. I am NOT aware of this debt. Credit report shows it just appeared on my credit report XX/XX/19. If I had a delinquent debt, why havent I gotten a bill from whom ever this creditor is so I could pay it. I paid off all my debts after XX/XX/2019 after selling my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Where to start with the issues I've had with Chase Bank since closing on my mortgage XX/XX/19? I'll touch on the latest issue, a loan modification application. As some folks may know, a loan modification isn't necessarily predicated upon financial hardship, but this is one of the several criteria that must be met if your mortgage loan is with Chase Bank. Ok, they're are presumably allowed to set those terms. Not realizing this, I submitted by loan modification application ~XX/XX/19. No problems so far. However, when Chase received my application, they disallowed me from submitting my mortgage payments through my online Chase account. Hmm, why would Chase Bank do this? In a response dated XX/XX/19, Chase claimed it was working on better IT solutions for their customers ( I'm paraphrasing ). How nice of Chase Bank to think of allowing customers to conveniently submit some payments online while the application is being reviewed. Chase responded that I can still can to a local Chase branch, call Chase Bank, or mail a payment. All of these require time, which I don't have much of. In addition, what good reason does Chase Bank have to disallow me from submitting mortgage payments online? Of course, my $ 300k plus mortgage loan is likely accruing interest all the while. How interesting, right? In another email from Chase dated XX/XX/19, I was told in the email that I could email my financial institution information along with the amount and date I'd like to pay toward my mortgage. I responded XX/XX/XXXX that I'd like a payment to post XX/XX/19. Today is XX/XX/XXXX and my payment has not posted and communication from Chase Bank has fallen silent. Also interesting ... 

Here 's the bottom line : Chase has put up barrier after barrier and excuse after excuse to limit the number of people who apply for loan modifications and to make it smooth for those who do. Why? Chase Bank stands to lose money, of course. I get a number of nice-ish emails and calls the week of XX/XX/XXXX from Chase Bank but they have no substance, just empty words from a bank who, in my opinion, doesn't give a XXXX about its customers. Don't do business with Chase Bank if you have other, hopefully, better options. I know I wont again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Transaction of {$520.00} from merchant tm XXXX XXXX  XXXX on Citi Double Cash Card account is not a valid transaction and I am requesting that amount be credited back to my account and that this merchant/ transaction is investigated to further prevent fraud. The transaction originally showed up on our account in XXXX but thanks to the instant phone notifications from Citi Mobile App I was able to quickly contact customer service to cancel/ close that card and have a new card number sent out. Now however we are notified that amount is due and that the transaction was valid. I have multiple concerns about this transaction, and I can ensure it is not valid. We are taking this very seriously because this is the 3rd time we have had an issue with fraudulent transactions on this account and I can ensure you the following : - No authorized users of the card made a purchase ever from that merchant - Both card holders had possession of the card at the time of the purchase - The merchant tm XXXX XXXX XXXXXXXX is unknown to us and I have no contact information from this merchant - Immediately after the transaction was made we disputed the charge and closed that account to avoid further fraud It is most concerning that no information was provided to us about the charge, no phone number, address or contact information for the merchant or the transaction & no evidence was given to support that this was a valid charge. We were simply told it was not fraud and charged {$520.00} with no explanation. We were in contact with Citi customer service immediately at the time of the original transaction and after they notified us that they determined it wasn't a fraud transaction last month we mailed them a letter immediately as per their procedure for billing disputes. It has been since they received the letter and there was been no response from Citi customer service. 

Thank you for your help in resolving this matter.

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 monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
My mortgage was sold to SPS Servicing ( www.spsservicing.com ) by the  originator. This company does everything within their power to ensure that you can not make your payment on time. The following issues have occurred since they have became my mortgagee : 1 ) If you hang up before the phone repeats the confirmation code back to you, they will kick your payment out. 2 ) If you become two months late, they will send someone to " inspect '' your house to ensure that you are still living there and charge {$600.00} for this " service ''. 3 ) Last week I tried to make a payment online. They had already processed my payment and then the website " crashed ''. I had no way to know if they ran my payment or not. 4 ) Prior to that, I had tried to make the payment online, but they never sent me the 2nd part of the 2 part verification process. In today 's market, they know that they can not generate new business, so they do everything within their power to ensure that you can not escape them by refinancing and simply try to fee you to death. I have also asked for proof that they had the right to " inspect '' my home and add those fees to the balance. They gave me a fax number and no one ever replied. I would never do business with people this unethical and I believe that I should have some say-so in that matter. I should not be forced to do business with criminals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Rent Recover, LLC
State: AR

Complaint narrative:
ON XX/XX/2018, XXXX ALLOWED THEM TO PLACE DUPLICATED COOLECTION ACCOUNTS ON MY XXXX CREDIT REPORTS. THE LISTING WAS IN THE NAME OF RENT RECOVER, WHEN IN FACT WAS XXXX XXXX. SEE ATTACHED. ALL PARTIES VIOLATORS OF THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. FOR ILLICIT COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
ON XX/XX/2018, EQUIFAX ALLOWED THEM TO PLACE DUPLICATED COOLECTION ACCOUNTS ON MY EQUIFAX CREDIT REPORTS. THE LISTING WAS IN THE NAME OF XXXX XXXX, WHEN IN FACT WAS XXXX XXXX. SEE ATTACHED. ALL PARTIES VIOLATORS OF THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. FOR ILLICIT COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PRESTIGE FINANCIAL SERVICES INC
State: NY

Complaint narrative:
This account was open in 2012 and is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: AL

Complaint narrative:
I had previously submitted a complaint regarding their continued reporting unvalidated and fraudulent accounts as well as unauthorized and illegal inquiries. They said they would take it seriously in response to that complaint but are still doing the same thing and not correcting the problems as promised. I have sent numerous letters to the company stating and proving that the information they are reporting and verifying is unverifiable erroneous and incorrect. Likewise, they continue to report hard inquiries on my record that are inaccurate are unauthorized and that have no permissible purpose. This is causing me extreme diress, stress and financial damages. I am ill an have a life threatening condition that requires expensive treatments and costs including XXXX and needing a XXXX XXXX. Thier continuing to report erroneous information is affecting my credit score and ability to get the assistance i need to help cover my medical costs, take care of my family and get the necessary transportation I know need as an XXXX. I have informed them that the remain8ng accounts reported as referenved have failed to provide validation as requested under the FCRA and have admitted they have no signed contracts or authorizations and are unable to validate with documentation as decided in case law. I have also informed them of the responses to the CFPB complaints where they admit they do not have the necessary documentation.

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 2019-10-21 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
This Debt was with NCC, Where it was resolved and moved from My credit report, with the help of XXXX XXXX XXXX.It has been moved to another Credit Angecy which is Transward System. This Debt has been solved, So why was it moved to another Angecy and back on My Credit Report? It needs to be Removed Again. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: AR

Complaint narrative:
I have tried on several different occasions to get this debt validated and nothing from this company I have for this account to be removed from my account because this company want send validation but they want remove it from my credit report so they need to do either or validate or remove it from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-21 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hello, I purchased three items of jewelry from Zales Outlet to be delivered to the Zales store located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX in XXXX. These items were charged to the credit account opened through the store and managed by Comenity Capital Bank XXXX XXXX XXXX, XXXX XXXX, TX XXXX. However the items were misplaced by the local store & not delivered to me. After two visits, the items were located & I finally received the items XX/XX/2019. 

Despite repeated discussions with Comenity Capital Bank prior to receiving the ordered products, they would not enter a disputed claim. The bank states they have no way to dispute the charges or confirm delivery with their related service for Zales & will not remove the charges or eliminate fees for the period when Zales did not deliver product or services. 

When speaking with XXXX & XXXX in Customer Care, I was told they will not dispute the charges and would only waive a {$39.00} late fee instead of resolving the issues. They would continue to try to collect late fees & interest for items not received instead of opening a dispute of the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have a Barclays Frontier credit card, and I noticed that my miles expired in XXXX of XXXX. I called today, XX/XX/XXXX and asked why their expired and spoke to an extremely uneducated customer service rep, XXXX. I was told that if I don't use the miles within 90 days then I lose them, which I know is incorrect -- the miles are dependent on credit card usage. I called Barclays and let them know that at the end of XX/XX/XXXX I was getting stationed to do XXXX XXXX in XXXX, and would not have the ability to use a credit card as XXXX does not have the infrastructure to support credit card usage. I advised them that I would not be able to use the card for close to a year ( we were XXXX XXXX for XXXX XXXX ) They told me they would honor this as an exception and my miles would not expire. I came back from XXXX a couple weeks ago and noticed my miles expired. I am extremely upset. I would like to get my miles reinstated, XXXX miles to be exact. I'm sure there must be some documentation of my phone call with the bank in XXXX. My FlyFrontier Membership number is XXXX, I have been a member since XXXX of XXXX and have been storing my miles to use them for a trip one day, I am now ready to book my trip and of course they have wrongly expired my miles.

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 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Comenity bank frequently calling me and harassing me. They are also calling my family and friends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
Our account with XXXX is transferred to XXXX Loancare. The first statement XX/XX/2019 shows an unapplied balance of XXXX and a payment due amount of XXXX. I call to double check his as my usual payment is XXXX. I am told she will find out that i should call back another time because she cant call me back. I call back 2 more times and get same response. I make the normal payment. XX/XX/XXXX statement requests normal payment and shows the amount of XXXX as paid. Next i get a bill for an escrow shortage of XXXX. I call and i am told that a check in that amount was mailed to me but they dont know why. I explain that i did not get the check. I am told that research on this will be complete by XX/XX/2019. I call back on XX/XX/XXXX and am told research should close in 3 days. I call XX/XX/XXXX and am told that a copy of the check has been mailed to me. Told that the check has been cashed and that she will email me a copy by Thursday XX/XX/XXXX. I call back on XX/XX/XXXX and this person immediately emails me a copy that is not legible. She says it is endorsed by my husband. She can not tell me which city it is cashed in. Transfers me to a supervisor who suggests i file a police report. I contact local police financial fraud dept who says They will help but seems surprised that the mortgage company suggests this. They will also need a copy of the check. I call on XX/XX/XXXX and after not getting an answer to 3 calls, i submit a formal complaint through their website. I call again on XX/XX/XXXX and this person says the work order request was closed, that they possibly did not send the check to me because it was voided and put back in my escrow. I am told there is no legal dept i can speak with and no way to expedite getting more information. On XX/XX/XXXX i get an email saying that my request has been sent to the cashiering dept. the reference number that is given is the same one that i was previously told was cancelled. Today. Is XX/XX/XXXX and i have still not gotten a copy of the check and the amount of XXXX. Has not been put into escrow. 
I have all dates and times of these calls as well as the name of the people I have talked to.

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