vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Have been a Chase Southwest Rewards cardholder for years now with little to speak of regarding complaints. That being said I've only recently used their rewards services. I booked a trip to XXXX XXXX in XX/XX/XXXX ' using their rewards site. What they don't tell you is that the hotel reservations are made thru a third party XXXX and EVERYTHING is to be done regarding that reservation with that site. My problem began with XXXX  not sending me a confirmation email which provides both a confirmation number and PIN number for your reservation. I waited weeks and didn't receive it so i attempted to dispute the transaction because i had no way of determining the reservation was performed with the XXXXXXXX. The representative told me i need to get a hold of XXXX in order to get a cancellation. I tried every single avenue there was to get in tough with them and it its literally impossible without that pin and confirmation. Called the dispute team back and they then managed to use a merchant number to reach a person at the XXXX to attain the confirmation number. I then tried to cancel the reservation again but still didn't have the pin number in order to speak to anyone at XXXX. So again i contacted the dispute team at chase, was told to contact southwest, was told they can not get in touch with XXXX and referred me back to my cardholder. Chase now states that they are not directly linked to either southwest or XXXX so i need to get a cancellation confirmation and then they would be able to move forward with the dispute. I am now out over four hundred dollars for a reservation just for being a customer of Chase credit card services and using their affiliated rewards program. All in all I have called Chase, Southwest and XXXX at least a dozen times to no avail, emailed XXXX  and waited as i was told to do so by a chase dispute representative and been given the run around by every person they can get me to talk to. The kicker is that the last dispute representative told me if its past the free cancellation period chase can not move forward with the dispute even though this has taken so long per their request. DO NOT use southwest rewards to book anything other than a flight and especially DO NOT use XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX BBVA USA Bancshares , Inc . d/b/a BBVA USA XXXX XXXX XXXX XXXX XXXX, AL XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX Demand Notice in re :  Promotional Offer Checking account ending in -XXXX and Savings account ending in -XXXX To Whom It May Concern : On XX/XX/XXXX, I opened the above-captioned accounts at BBVA USA ( the Bank ) online at bbvausa.com in response to a {$250.00} promotional offer. 

On XX/XX/XXXX, I met the promotion requirements. The bonus did not post. 

I contacted the Bank via secure message on XX/XX/XXXX to resolve this issue and was told I would be contacted within 5-7 business days. I was not contacted within the promised timeframe and the bonus still has not posted. 

I respectfully demand that the Bank pay the advertised offer of {$250.00}. 

Else this matter will proceed to arbitration with all costs borne by the Bank pursuant to the Consumer Deposit Account Agreement. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TN

Complaint narrative:
Remove the 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 2020-03-09 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: TN

Complaint narrative:
Remove the fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am entering this compliant in hopes I can find some resolution. I lived in the apartment mentioned XXXX  XXXX  XXXX XXXX XXXX from XXXX until the time the lease expired on XXXX, I moved out on XXXX after several communications with the manager of the complex at that time XXXX XXXX. My constant communications with the front office was in regards to the on going mold issues as well as AC issues in my XXXX XXXX. I was told several times by management and maintenance that the issue would be resolved. I am a single father and have a young daughter that lived with me. After several months of the mold issues not being resolved, I informed management that my daughter had developed a XXXX  and that i felt it could be from the mold spores in the AC vents and that I would not be renewing my lease. ( please see included pics ) I was told that it would be fine and that no backlash would occur from me moving out when my lease was up. My lease ended so I moved. Per Texas Property Code 92.056 The law states that the landlord has 7 days to remove the mold, if the mold is not removed a timely paying tenant can end the lease and move ... So this is what I did, I actually moved when the lease was up and did not terminate the lease early but in fact I refused to renew a lease secondary to the mold. I received a debt collection letter from ProCollect on XXXX Account number XXXX. I then sent a certified letter to ProCollect for debt validation and in return they sent me a final account statement that clearly shows the date the lease expired and the reason for moving out as illness ( please see included pic ). so as you can see clearly, I may owe the final water bill of {$51.00} but i should not be responsible for the Cost of Re-letting fee {$1200.00} as per the statement i moved out when my lease was up due to illness from the mold. ProCollect continues to report this as an open account and continues to report tradelines  despite me providing them with pics for proof and the fact that I moved out when the lease was up and not prior to the termination of the lease, therefore eliminating the ability for them to charge me the re letting fees for unlawful early move out ... So what are they attempting to collect other than the water bill.

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 2020-03-09 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my report immediately. 

XXXX XXXX XXXX {$420.00} XXXX XXXX-XXXX {$620.00} XXXX XXXX-XXXX {$420.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$92.00} 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 2020-03-09 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my report immediately. 

XXXX XXXX XXXX {$420.00} XXXX XXXX-XXXX  {$620.00} XXXX XXXX-XXXX {$420.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$92.00} 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 2020-03-09 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: FL

Complaint narrative:
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I never had accounts like that and never opened. 
Remove this one from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RAS LaVrar, LLC
State: VA

Complaint narrative:
Dear Sir or Madam, On XX/XX/2020, my Attorney XXXX XXXX XXXX XXXX XXXX wrote RAS LaVrar Law Offices a 14-day {$1000.00} demand letter for violating the Fair Debt Collection Practicing Act. 

However, the law office never responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Submitted dispute online on XX/XX/2020. As of XX/XX/XXXX it has been more than 30 days without any results being sent to me. All information disputed needs to be immediately deleted from my credit report as allotted time for Transunion to investigate per FCRA has passed.

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 2020-03-09 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: TX

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that were open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$660.00} XXXX   XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$38.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
Our mortgage was originally serviced by XXXX XXXX. It was recently purchased/transferred to Carrington Mortgage Services. When we attempted to make our first payment online, Carrington is charging us a " convenience fee '' of {$5.00} per payment. They purchased this mortgage and, as far as I understand, must abide by the original terms of the loan, including payment terms. Those terms include online payments without a fee. I consider this to be a violation of my loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX, I called Mr Cooper/Nationstar 's toll free phone number, XXXX, to make my XXXX mortgage payment through an automated payment system. I have been for years, making my mortgage payment constructively received by the servicer before 30 days past due. Those calls were made at XXXX, XXXX, XXXX and XXXX pacific time.  Each of those four times the automated system said I would have to speak to a representative. Then I heard a recorded message telling me the offices were closed. 

I call Mr Cooper/Nationstar XX/XX/XXXX, Monday morning, to make my payment. Three times, the automated system transferred my call to a CSR and XXXX, then XXXX, then XXXX said they could not take my payment or give me information. 

Mr Cooper/ Nationstar claimed my litigation with XXXX , XXXX XXXX and Seterus as the reason they refused to take my XXXX payment or give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have a car loan with Ally Financial. I have been makng the payments on the loan for the past 72 months. I am currently down to 2 more payments left of the loan, in which the monthly payments with Ally Financial are {$400.00} per month. I have on line access to my account with them, so most of my payments are paid thru the website in which I can also review previous payments, information about my vehicle and what is still owed on the vehicle, etc. I called them for a payoff on XX/XX/2020. Their representatives told me that my payoff would be {$3000.00}. My account shows that my total balance due on the loan is {$2100.00}. After being on the phone with 3 different representatives for extended periods of time, I could not get an explanation from any of the reps as to where they are getting their amount of {$3000.00} from. They also tried to tell me that they only received {$100.00} for my XX/XX/2020 payment when in fact it shows on my account that I paid {$300.00} on XX/XX/XXXX and the balance of {$100.00} on XX/XX/2020. I am currently on unemployment and retirement, and they know this. I have struggled in the past to make my payments on time or at least within the 10 day grace period so I have incurred some late fees which I do not have problem paying but they are adding additional fees on my balance to pay this loan off. They are also not adding in payments to my balance owed that have been made to them. I have dealt with this situation on several occasions in the past but just paid what the rep said I owed because I was tired of arguing with them and them taking up hours of my time on the phone. I have supporting documents if needed

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 2020-03-09 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: FL

Complaint narrative:
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I never had accounts like that and never opened. 
Remove this one 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 2020-03-09 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: FL

Complaint narrative:
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I never had accounts like that and never opened. 
Remove this one 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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a Bank of America ( B of A ) customer. 

Last XX/XX/2020, my husband recently received a letter from the B of A dated XX/XX/2020 ( Ref. # XXXX ) expressing their condolences for my recent demise ( death ) stating how he should manage my financial accounts ( and indicating therewith the documents needed and steps to do so ). 

I am very much alive and no member of my family has ever made any report of my demise. 

Thinking that the letter is a result of a clerical error on the part of the B of A, my husband contacted the bank via the phone number they provided to report the incorrect information in an attempt to rectify the situation. However, the bank representative was unable and unwilling to help stating only that I should present myself in person to a local branch with proper identification to set the record straight. Further, the bank representative refused my husbands repeated request to find out from where or from whom the report of my demise originated, citing privacy concerns. This despite him insisting that such erroneous report has caused us a good deal of confusion and anxiety. 

On XXXX XXXX, I took time off from work went to a local B of A branch and presented myself in person along with evidence of my identity. However, a similar request that I made on the origin of the false report ( that has caused us much disturbance and inconvenience ) was also refused for reasons of privacy. This is despite having explained to the Bank that the false report and their obvious lapse in validating such information has caused us a great deal of trouble. Moreover, I explained that I am the aggrieved party and the one that has suffered the consequence of their lapse and questioned why their inclination is to protect the source of the false report instead of the affected customer ( myself ). At that instance, I requested the local branch to provide me in writing that such reason for their inability to disclose the origin ( identity of source ) of the false report of my demise and to guarantee that no such report will be entertained without proper investigation to avoid any future repeat of this distressing incident. The Bank, however, is unable to oblige to what I think is a fair and reasonable request. 

The situation I described above provides details to my complaint which, in sum, is a request for the BofA to disclose the source of the false report so that I may take the necessary action to prevent its recurrent ( especially in case of a malicious false report from any party who wishes me and my family harm or disturbance ).

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 2020-03-09 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: TN

Complaint narrative:
I have an issue with Experian removing a debt to XXXX XXXX XXXX  from my credit report due to identity theft in early 2019 then adding it back mid to late of 2019 with no notice or explanation of debt validation.

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 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Attorneys representing Seterus, XXXX and XXXX XXXX are non compliant with California Civil procedure in timely filing and noticing me the homeowner/borrower of latest motions to strike and demurrer. 

the latest filings are attached

Company response to consumer: Closed with explanation