vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently had a very unfavorable and sour experience with Chase Bank 's Services. 

Here 's the story : 1. I wrote a check to a merchant from my Account # 1 2.  While the check was still in transit, I called Chase and asked to make a stop payment on XX/XX/XXXX 3. I realized the Customer Care Agent made a mistake and put a stop payment on Account # 2 because the amount got debited from the Account # 1 4. I moved to California and I reached out to the Chase Branch location in XXXX and found out that the Customer Care Agent made the stop payment on the wrong account 5. I asked the case to be escalated. After a few days, I was told the case had been sent to Branch Escalations 6. Branch Escalations called and said they're trying to find call record of my conversation with the Customer Care Agent 7. Chase wasnt able to find that information, neither can they find the Agent that placed the Stop Payment on the wrong account 8. My Wife gets a call from Branch Escalations and they tell her that unfortunately they can not credit me the amount 9. I repeatedly try to call Branch Escalations and try to get hold of our case manager XXXX, who never responded to 10 voicemails I left for him over 7 days 10. I finally called Branch Escalations and spoke to another representative. He told me the same thing XXXX told my wife I am disappointed for various reasons- : 1. Chase cant find out the call recording when everytime I call in, the machine says, the call is being recorded. 
2. Chase Customer Agent makes a mistake which cost me $ $ {$3.00}. Chase Branch Escalation says, because there is no evidence of whose mistake it is, they can not credit the amount to me. 

If Chase can not find call trace of my conversation, whats the point of having Phone Banking? 

If Chase cant find any history or employee information who made the stop payment, its Chase 's inability to run their business right. 

At this point I am ready to stop doing business with Chase Bank because I have no faith in them. I cant believe Chase can put their customer 's first and acknowledge mistakes done. I do not wish to waste anymore time in the future with Chase who does not believe in justice and runs unethical business practices. 
I do not feel my money is safe with them. 
I have been a customer for over 8 years. 

Branch Escalation Case : XXXX # XXXX PS : The merchant doesnt offer service cancellations, and once a check is processed, they have no returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had an multiple pull inquiry from a company that dropped my credit rating by an alarming amount so I disputed the duplicate inquiries and waited for the results. I have tried now for several weeks to get my free report to see if anything was adjusted and Transunion notified me that by my state law they could not charge me fr the report so as I was requesting the report they alerted me that they had adjusted the price to be in compliance. However, EVERY time I try to view the now FREE credit report, Transunion has some kind of error or page loading failure ... FOR WEEKS I HAVE BEEN TRYING! I am in the process of purchasing a house and getting credit for my business and now my score has plummeted from these duplicated inquiries on my file and I can not do anything about it thanks to the tricks Transunion uses so they don't lose a buck. It is not fair that these companies take control over a factor that essentially determines the fate of your every life decision and they still want more bleed you dry, don't follow mandated rules, yet they can drop or raise our scores decide what choices we will end up with in our lives whether it will destroy our lives or make it worth living is just at their discretion. If we try to fight for our right without paying them for accessing our own information, they just find another way around it because we can't truly prove that they are committing unlawful and unethical acts against us. So all we can do is cry and rant about it online in a complaint post. Its a sad world we live in.

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 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover card put a block on my acct and blackballed me from contacting them by phone had a 3rd party to call who heard all my business at that time made aware about a block was hoping it was not due to the fact I had commented the review process at the time of my request for an increase was never approved even when my credit was credit worthy also asked them if any XXXX American were cust serv reps

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I can not talk to anyone at experien credit reporting agency. They have no way to talk to a real person. I have filled a dispute at their sight and no response. I have tried to get through their phone tree but I can not get to a real person.

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 2019-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I put a piano for sale on XXXX on XX/XX/19. I received an email on XX/XX/19 from someone saying they wanted to send a cashiers check, and then have movers pick up the piano. I obliged, but told them if the piano sold first, i would ignore the check. i sold the piano to someone else on XX/XX/19. on XX/XX/19 i received a XXXX cashiers check for XXXX $ from the original buyer, and wrote them and told them the piano was sold, would you like to me to rip up the check. they said " no '', that they were in a bind, and if i would get the movers the money, i can keep XXXX $ for myself for helping them. it sounded like a win/win. i took the check to my local Wells Fargo, and waited until it cleared. On the morning of XX/XX/19, the check appeared cleared in my account, so i went ahead and sent XXXX $ total through XXXX, to two different people, because XXXX $ is the max, and was planning on sending another XXXX $ the next day. Later in the day, around XXXX XXXX, the check was returned, and the XXXX $ that appeared in my account was withdrawn. I had already sent XXXX $ and no one, not wells fargo, or XXXX XXXX, or XXXX wants to help me. the person is not answering my phone calls, and the one phone number i had blocked my number. It turns out it was a fake check, and can't believe wells fargo would make the funds available, and not recognize a fake check.

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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have no knowledge of this credit inquiry XXXX XX/XX/2018. Please investigate to ensure there is no fraudulent activity.

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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have no knowledge of this credit inquiry XXXX XX/XX/2018. Please investigate to ensure there is no fraudulent activity.

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 2019-05-03 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 am a victim of ID Theft since XXXX I have been victimized several ( 3 )  times throughout the years. My most recent was in XXXX for credit cards and banking transactions, XXXX XXXX, XXXX, XXXX XXXX and XXXX check systems, Companies XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ( Don't know of them or open accounts ) I have reported and contacted the Bureau by letters and made several attempts to request a further investigation on wrongfully reported, collections, credit cards and defaults on my credit report. I have asked to remove and to provide me with the proper documents to verify the activities of the accounts. I am not accountable for those accounts and need them remove and correct the reporting, also I have asked to remove all the Names on my report that is every single name in my credit report along with the 28 addresses that I have never live in. I have been at my current address for 15 years which is I have creditors, banks, collection agencies. I have done all my due diligence in taken action towards recovery my credit and ensuring that all agencies due there responsibility, and from the way things have gone, It has been the most horrible and stressful task that requires time, and patients and I mean from contacting the FTC, State police, to DMV changing my ID #, to social security for wrong income reporting. Social Security says they can not do anything about it changing my number unless I'm a victim of XXXX XXXX, that's insane! I have been dealing with ID theft for 19 years and it simply does not get any easier, this has caused me hardship, XXXX XXXX, and not be able to homeownership, As a consumer and a citizen there has to be more measures for actions and for the reporting companies to make sure when information negative information or any to also have an attached file in ID the individuals that are responsible for opening the accounts, because when the consumer is aware and takes necessary measures to correct the fraud. Reporting agencies make it so hard for us to remove the wrong full actions when if they had a better system I wouldn't have to be going through this fraud. I am so tired off it all and I need help!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: AZ

Complaint narrative:
ON XX/XX/2018 XXXX XXXX PULLED MY CREDIT REPORT FROM EXPERIAN. I CONTACED XXXX XXXXAND I SPOKED TO BRANCH MANAGER XXXX XXXX PHONE XXXX-XXXX-XXXX AND HIS TEAM REQUESTED FROM EXPERIAN TO REMOVED THE INQUIRY FROM MY REPORT AT THE TIME ICONTACT EXPERIAN AND SPOKED TO A SUPERVISOR HIS NAME IS XXXX NO IDEA # GIVEN BY NO LAST NAME BESIED HE REFUSED TO GIVE ME ANY INFORMATION AND HE WAS ROUDE. 
THANK YOU, XXXX XXXX XXXX-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 non-monetary relief
Consumer complaint received 2019-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One Placed TWO Hard Inquires on my credit report from poor explanation by one of their call enter staff members. So far Capital one has Removed ( 1 out of 2 ) of the hard inquires from my credit report. 
Attached is their letter proving so! 
I need BOTH to be removed PLEASE : On XX/XX/2018, I called Capital One to apply for a SECURED credit card. I spoke with a Capital One representative over the phone, to submit my information. After submitting my information, I was informed that I should wait 30 days for my results. 
Around XX/XX/2018, I was informed that the application WAS NOT for the SECURED CREDIT CARD I stated I wanted to apply for. I asked the representative to transfer me to a manager, the manager told me I was to submit another application which will result in ANOTHER HARD INQUIRY on my credit report. Now I have TWO Capital One HARD INQUIRIES on my credit because of THEIR MISTAKES! I DEMAND THESE INQURIES TO BE REMOVED. THIS IS NOT A DISPUTE TO VERIFY IDENTITY, I AM REQUESTING TO REMOVE THIS INQUIRY DUE TO ERROR BY CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Trans Union is Allowing XXXX XXXX to report two unauthorized inquiries on my credit report. Attached is a document from XXXX  XXXX stating they will remove them from my credit report. PLEASE REMOVE ASAP. 

On XX/XX/2018, I called XXXX XXXX to apply for a SECURED credit card. I spoke with a XXXX XXXX representative over the phone, to submit my information. After submitting my information, I was informed that I should wait 30 days for my results. 
Around XX/XX/2018, I was informed that the application WAS NOT for the SECURED CREDIT CARD I stated I wanted to apply for. I asked the representative to transfer me to a manager, the manager told me I was to submit another application which will result in ANOTHER HARD INQUIRY on my credit report. Now I have TWO XXXX XXXX HARD INQUIRIES on my credit because of THEIR MISTAKES! I DEMAND THESE INQURIES TO BE REMOVED. THIS IS NOT A DISPUTE TO VERIFY IDENTITY, I AM REQUESTING TO REMOVE THIS INQUIRY DUE TO ERROR BY 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 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA

Complaint narrative:
I was called by a company saying that I owed money for an old account that I cancelled with XXXX back in XX/XX/XXXX. I made my last payment with XXXX, and this random collection agency called me day and night, I never got the agents name. They constantly would tell me they were going to put it on my credit and make sure it never came off. I told them they had the wrong number, and they constantly would harass me from XXXX XXXX XX/XX/XXXX, until I finally blocked them. I then saw that they said I owed {$800.00}, when I sent back the electronics that belong to XXXX after I used their services and made sure the bill was paid off. Also I never signed any documentation indicating that I owed money to this collection agency or used their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is reporting an un-authorized HARD INQUIRY to my credit report, I highly suggest you remove it ASAP. 

On XX/XX/19, I called XXXX XXXX over the phone to switch phone plans. I was told I had to Submit a SOFT INQUIRY to verify my identity just as insurance companies do. Minutes later, I received a HARD INQUIRY alert on my credit monitoring app that's shows XXXX XXXX have placed a hard inquiry on my credit report. I asked to speak with a manager on duty and i was informed by the XXXX XXXX manager, the hard inquiry will only last on my credit report for less than 30 days than it will automatically be removed. I DEMAND THIS INQUIRY BE REMOVED ASAP! THIS IS NOT A DISPUTE TO VERIFY IDENTITY. I AM REQUESTING IT TO BE REMOVED DUE TO POOR EXPLANATION BY XXXX XXXX STAFF! 

PLEASE REMOVE INQUIRY FROM XX/XX/19 FROM MY CREDIT 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 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I tried to log into my account today XX/XX/2019. USAA gave me this my online access has been restricted to security concerns. I don't know the reason for them to deny me access to my online account. I have been with USAA for over 2 years now. Now all of a sudden my online access has been restricted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion is reporting an un-authorized HARD INQUIRY to my credit report, I highly suggest you remove it ASAP. 

On XX/XX/19, I called XXXX XXXX over the phone to switch phone plans. I was told I had to Submit a SOFT INQUIRY to verify my identity just as insurance companies do. Minutes later, I received a HARD INQUIRY alert on my credit monitoring app that's shows XXXX XXXX have placed a hard inquiry on my credit report. I asked to speak with a manager on duty and i was informed by the XXXX XXXX manager, the hard inquiry will only last on my credit report for less than 30 days than it will automatically be removed. I DEMAND THIS INQUIRY BE REMOVED ASAP! THIS IS NOT A DISPUTE TO VERIFY IDENTITY. I AM REQUESTING IT TO BE REMOVED DUE TO POOR EXPLANATION BY XXXX XXXX STAFF! 

PLEASE REMOVE INQUIRY FROM XX/XX/19 FROM MY CREDIT 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 2019-05-03 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 am a victim of ID Theft since XX/XX/XXXX I have been victimized several ( 3 ) times throughout the years. My most recent was in XX/XX/XXXX-XX/XX/XXXX for credit cards and banking transactions, XXXX XXXX, XXXX, XXXX XXXX   and XXXX  XXXX XXXX, Companies XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Don't know of them or open accounts ) I have reported and contacted the Bureau by letters and made several attempts to request a further investigation on wrongfully reported, collections, credit cards and defaults on my credit report. I have asked to remove and to provide me with the proper documents to verify the activities of the accounts. I am not accountable for those accounts and need them remove and correct the reporting, also I have asked to remove all the Names on my report that is every single name in my credit report along with the 28 addresses that I have never live in. I have been at my current address for 15 years which is I have creditors, banks, collection agencies. I have done all my due diligence in taken action towards recovery my credit and ensuring that all agencies due there responsibility, and from the way things have gone, It has been the most horrible and stressful task that requires time, and patients and I mean from contacting the FTC, State police, to DMV changing my ID #, to social security for wrong income reporting. Social Security says they can not do anything about it changing my number unless I'm a victim of domestic violence, that's insane! I have been dealing with ID theft for 19 years and it simply does not get any easier, this has caused me hardship, XXXX XXXX, and not be able to homeownership, As a consumer and a citizen there has to be more measures for actions and for the reporting companies to make sure when information negative information or any to also have an attached file in ID the individuals that are responsible for opening the accounts, because when the consumer is aware and takes necessary measures to correct the fraud. Reporting agencies make it so hard for us to remove the wrong full actions when if they had a better system I wouldn't have to be going through this fraud. I am so tired off it all and I need help!!!!!!!

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