vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank had an IRA with my maiden name. I faxed all paperwork on XX/XX/19.To date I still have not rec 'd my funds. If I didn't call they never reached out. I called in on XX/XX/19 and was told they needed my id again. Then I called on XX/XX/19 for status and was told they had a block on my account they would take 5-10 more days. Really. She was rude and hung up on me. Then on XX/XX/19 called again and was given 3 options. Still nothing. if I didn't call I guess I would never get my funds. The worst customer experience. I just need to change my name and get my money out of citibank.

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 2019-04-19 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
AE ( American Exp ) have closed 4 credit cards I had altogether without a legitimate reason. They sent me notice in mail stating that " it was no being used for its intended purpose. When I called ( twice on XX/XX/XXXX andXX/XX/XXXX ) and asked what it meant by " not used for intended purpose, both representatives said that the cancellation was a result of business decision. When I asked to clarify that, they said they have no more info than that and no one will be able to provide me with further info. They said I can write a letter to their CEO but it won't be helpful. I have a good credit score and always pay the credit card payment on time. One of the cards I have been used for years. There are two cards that I have for a few months and just paid membership fee. I have tens of thousands bonus point on a card that I lost as cancellation of card. I have financial loss as a result of AE cancellation without a clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: WA

Complaint narrative:
Equifax website, where I submitted a dispute, is constantly down. I am unable to check status, get verified. In short, I am unable to proceed in removing an incorrect negative impact to my credit. 
At this time, as more than 30 days have past I request removal of the negative impact, per law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am having challenges getting a hold of anybody at Experian to check my credit report and place a freeze on my account. I am continually directed to call their number due to not being able to process my request online. However, when I call there is no option to speak to a person and I am then directed to go to the website to create an account. 

I use XXXX, however they can not access the reports and fraud alerts from Experian either. I need to gain access to my credit history and place fraud alerts/freezes on my 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 non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On Friday, XX/XX/2019 I notified Chase of two fraudulent charges of {$400.00} ( {$800.00} total ). I was attempting to purchase concert tickets and was scammed, no tickets were received. I notified Chase within an hour of the fraudulent charges taking place and they started the process of fraud investigation. I was given temporary credits for the charges until they could investigate the charges. 

On XX/XX/2019 I was notified by mail that the credits were being reversed and that the bank had concluded it's investigation - they believe that the charges were not fraudulent. During their investigation they did not reach out to me at any time for any information regarding the transactions or ask for any proof from me. I had text and email correspondence showing that I did not receive the goods ( concert tickets ) and that this was clearly a scam. I asked for more information ( what evidence caused them to make this decision ) and they said that they would send it by postal mail. 

On XX/XX/2019 I received the evidence in the mail and the reasoning for declining the dispute was " compelling evidence '' that I had received the goods/services as part of the transaction. Chase stated that there was documentation to prove that the cardholder was in possession of the merchandise. For which I have evidence to prove the opposite ( which was not even considered during the investigation ). The summary stated that I needed to reach out to the recipient directly if I wanted to get my funds returned. 

Chase clearly states in their terms that they will protect against fraudulent charges. Upon trying to contact them further they simply state that they can't do anything further and that the investigation is closed. I don't know what to do and am very upset with this result. I feel that if they acted swiftly to stop or reverse the transaction immediately when notified then this could have been avoided completely.

Information on the claim : Claim Number : XXXX Card Ending in : XXXX Account Ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
The collection agency XXXX XXXX has contacted me regarding a debt. I spoke with XXXX XXXX, and made a monthly payment arrangement to pay the debt in full. He refused to administer the payments on the date I informed him was necessary. The date of the draft is specific because my husband is a XXXX XXXX veteran who is receiving Veteran 's Affairs XXXX Compensation,  this limits our budget severely. The payments would not go through until the first of the month and they continued to draft them on the last day of the month resulting in a missed payment. They were unwilling to negotiate a better solution. XXXX XXXX then threatened legal action to scare us into payment. There were multiple occasions that after the payment would fair on the last day of the month he would call my place of employment multiple times and notify them of my debt. Then recently on XX/XX/2019 he contacted my mother directly on a phone line that is unlisted to notify her of my debt and obligation to pay. He has been harassing and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My complaint is that I had no way to cancel the annual renewal with XXXX XXXX by phone or online. I did attempt to cancel timely, but I wasnt able to reach the vendor in a reasonable manner. XXXX XXXX phone number on the credit card statement was only a recording referring you to go online. Then online you must have a login with user name and password. I dont have the user name and password and the email account it was under does not exist anymore. No other method is provided. I then called USAA to dispute in XXXX. I called back USAA in late XXXX XXXX to follow up, but no dispute was done. It's an unknown reason why the dispute wasn't started in XXXX. USAA asked me to upload a letter online explaining what happened which I did. I just found out today XX/XX/XXXX that you don't receive my letter upload explaining what happened. USAA denies my dispute. 

USAA is not able to help or answer the questions : How would I have canceled this service with a phone number that leads to a recording? 
How can I cancel the service now? 
Can USAA confirm this account is canceled and no longer active? Obviously, I have no way to contact XXXX XXXX. 

backstory : I had my office assistant order XXXX XXXX back in XX/XX/XXXX. We used the service only in early XXXX. I wasn't aware it renews annually. 
My office assistant XXXX XXXX left the company in XX/XX/XXXX. Her email is no longer active. I don't have the password to login XXXX XXXX. I was unaware the account auto-renews annually. I have no way to log in and use the account. I want to cancel it! 

I saw this annual renewal charge on my XXXX USAA statement XXXX. I called XXXX XXXX to cancel and get a refund. The XXXX XXXX phone number was a recording to go online. So I tried to go online at XXXX XXXX, but I could not log in, and there was no other way to communicate with XXXX XXXX online unless you login.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: CO

Complaint narrative:
I sent a letter detailing that I am a victim of fraud and also have called Equifax on numerous occasions trying to get a resolution. Every time I explain that I am asking them to block fraudulent information on my credit report but after a dispute is initiated their response is " the original creditor has confirmed the account ''. I sent in a police report, FTC Identity theft report, FTC affidavit and supporting documentation stating that I lived no where near where the fraud took place. I also used the letter template on the FTC site on how to request a block. Still I am met with the same response and am told that Equifax doesn't investigate the issue but rather sends it to the debt collection agency to investigate. The collection agency obviously does not want to give up the account so they always confirm the Account. 

If every Consumer Reporting Agency did this I guess I wouldn't have an argument, but XXXX and XXXX have already complied with my request and removed the fraudulent information. This implies that they were actively making the effort to investigate the matter and also reflects poorly on the diligence and concern of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been actively requesting for verification of a derogatory public record that the credit bureau Experian has been reporting on my credit profile. I have sent numerous certified letters and have yet to receive any compliance in my request. I started the process of rebuilding my credit in XX/XX/XXXX and was told per request that the reporting was accurate. I sent a letter to the United States Bankruptcy Court to verify the correspondence with Experian and received notice by the clerk stating the following " the Courts does not report information to credit agencies ''. This was confusing as I had received confirmation that the reporting was accurate. Feeling discouraged I felt helpless and gave up my efforts to correct this wrong. In XX/XX/XXXX I started the process again felling more determined. I found information that the credit bureaus had been using " Third Party Companies '' to verify my information and not the original consumer. I sent a series of four rounds of dispute letters to both Experian & XXXX requesting verification of the bankruptcy reporting on my credit profile along with copies from the Bankruptcy courts. I also found the some of the names of the third party consumers ( XXXX XXXX & XXXX XXXX ) and sent letters to freeze accounts that I was unaware even existed with my personal information. The last request I sent to Experian for the verification procedure incurred me a letter from, XXXX XXXX, another consumer company that also contians my sensitive personal information. By XX/XX/XXXX i received confirmation from XXXX  that the erroneous reporting was deleted from my credit report while Experian continuously failed to do so. I sent a fifth round to Experian along with copies from XXXX showing that an error was made and corrected by deleting the account from my report. Still Experian continues to claim that they have complied in my request. I will be seeking council if this matter continues and need to have this matter brought to light to expose the wrong that i have endured to protect people from going through the same hardships.

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 2019-04-19 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX, I had a last minute cancelation at a XXXX XXXX and was charged a fee on XX/XX/XXXX ( {$200.00} ) I opened up a dispute with Amex to remove it, and during this dispute XXXX reversed the fee. On XX/XX/XXXX, XXXX refunded me. On XX/XX/XXXX, Amex gave me a {$200.00} credit pending decision of dispute. 

I told Amex that XXXX had refunded me so they could close the dispute. Amex then reversed their initial credit of {$200.00}. ( XX/XX/XXXX ) Things are now settled. 

On XX/XX/XXXX, Amex issued me a correction charge for the misposted credit for {$200.00}. This is where that took money from me. 

I opened up a dispute shortly after regarding this mis-adjustment. 

On XX/XX/XXXX, they finally gave me credit for their mistake of {$200.00}. ( At this point, things are settled ). 

On XX/XX/XXXX, they issued me another correction of {$200.00}. The issue is still not resolved after multiple attempts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt has been paid, and I do not owe this debt and needs to be removed off of my credit.

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 2019-04-19 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt has been paid, and I do not owe this debt and needs to be removed off of my credit.

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 2019-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
This is an old account that was in my name for 10 years. I closed it in 2016 and was cleared of any outstanding amounts or fees, with an apology from BOA. To this day, it continues to show up on my credit report, diminishing my score. I want it removed immediately.

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 2019-04-19 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 — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
My husband and I are trying to get a mortgage loan through our Credit Union, when my credit was pulled I had no score on XXXX and through some investigating I found out that Wells Fargo ( please see attached ) card services had reported me ( XXXX XXXX XXXX ) as deceased while as I am writing you I am very much alive.

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 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MO

Complaint narrative:
I closed on my home in XXXX of XXXX and the loan was quickly sold to Home Point Financial. I received my first escrow analysis statement in XXXX of XXXX showing a very large escrow shortage, causing my monthly payment to increase by over {$250.00} starting in XXXX of XXXX. Examining the statement further along with the closing documents from when I purchased the home, I saw that the problem was that Home Point made a duplicate tax payment to my county. This payment was unnecessary due to the title company already making the payment when I closed on the home. I contacted Home Point immediately and the process took nearly 5 months to complete. Initially Home Point told me I needed to contact my county, then my county told me I needed to work it out through Home Point. I called Home Point many times throughout this process for updates. Each time I was told there was a note in the system that everything should be completed by a certain date. I would call back on that date and of course it wouldn't be complete. I asked every representative I spoke with, including managers, to proactively contact me when there were any updates on the situation and not a single representative or manager called me at any point during this process. At long last, the county sent a refund check and Home Point processed a new escrow analysis to bring my payment back down, but I had to make 2 mortgage payments at the higher and incorrect amount while this was being " worked on. '' I asked multiple representatives including a manager named XXXX if I would be able to be refunded for the extra amount I was being forced to pay due to their mistake, and multiple times I was told " yes. '' I called today to ask about the refund process for the {$500.00} or so that I over-paid and was told that no refunds would be given. It was Home Point 's mistake that forced me to pay an extra {$500.00}, and their poor customer service and dishonesty has led to me just being out that money with seemingly no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest recovery Systems is claiming I owe XXXX XXXX XXXX {$580.00} and I live in XXXX XXXX. They said it would go away if I paid it in full and did not give me information about how I can dispute it they also said it was from XXXX which is over 7 years ago. This needs to be removed immediately as they placed this on my credit on XX/XX/XXXX and I have always had full-coverage insurance so there is no way I would have a medical debt such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NC

Complaint narrative:
This started on XX/XX/2019 They sent a text message to my cell phone stating I needed to contact them about a bill with XXXX XXXX. I have a prepid phone with XXXX so I know that I do not owe them any money. It states that all information had been sent to my email address and that needed to contact them about this account. the phone number they used to contact me was XXXX but told me to contact XXXX. They actually sent two messages on that same date. On XX/XX/2019 they sent another demand to my cell phone and I responded a demand for them to quit contacting me because I did not own XXXX any money. XX/XX/2019 they called my home phone and I again contacted them on my cellphone and demanded they quit calling me. I did that two times n that date. Now they are calling my home phone and asking  questions about someone other than myself. When I asked what company they are calling about XXXX XXXX tells me that because of privacy laws she can not tell me what company she works for. So I told her that because of privacy laws I can not talk to her and she hung up the phone, but that didn't stop her from calling me again two more times on that date. two times on my home phone and once on my cell phone. I have demanded that they qut calling me but that has not stopped them. Today, XX/XX/2019 they called me again and I answered so I could tell them again to leave me alone but it was a robo call saying they wanted me to call back but I didn't get the number. I have tried to call them back on the number they call me from but when you do there is a gruff voice that tells me to HANG UP NOW. Please do something to stop this harassing of me. Thank you They are calling from different numbers also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: TN

Complaint narrative:
Please update my documents My current license is from Tennessee And whatever case That seems pending Case was resolved and closed with a withhold adjudication no point no conviction. Please find attached the court case summary of the citation. The record you pulled its not an official Driving record, so it does not give the full detail of the case on your record. 

Here is my case worker and lawyer info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation