vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I filed a complaint 2 weeks ago. Chase called me and I have talked with her twice. A message was left on my phone on Friday XXXX XXXX to call them on Monday XXXX XXXX. I called and left a message. On Tuesday no one called me. I left another message on Tuesday XXXX XXXX. No one has called me back. I left a message on XX/XX/2020 and an hour later was called back. They were still would not tell me what the problem was. Only that they were working on it. 
On XXXX XXXX Chase deposited {$7400.00} into my account that was not mine. I didn't know where that money came from and neither did they. I left the money there knowing they would take it out. They have not. On XXXX XXXX my account was closed. 
After closing my account they accepted 2 direct deposits from my work and my Social Security check over {$3100.00}. I am now in default of my mortgage. Default on my Chase Freedom card by 10 days. My Chase Amazon Card by 11 days and in 2 days my Chase Auto payment is due. They have held my money for over 23 Business days and all they will tell me is they are looking into it with no apparent time that I will receive my money. The only reason that I have is that because of Chase Mismanagement of their customers accounts that they have closed my account through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: DriveTime
State: CA

Complaint narrative:
I requested XXXX to match me with lenders. This should be done based on my credit profile, instead my credit report was shot gunned which resulted in numerous inquiries. I did not authorize any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA

Complaint narrative:
I requested XXXX to match me with lenders. This should be done based on my credit profile, instead my credit report was shot gunned which resulted in numerous inquiries. I did not authorize any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TX

Complaint narrative:
Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor 08 XXXX XXXX XXXX XXXX XXXX XXXX  Status XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX XXXX XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX Account Type Utility Company Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit

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 2020-07-15 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: TX

Complaint narrative:
Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor 08 XXXX XXXX XXXX XXXX XXXX XXXX Status XX/XX/XXXX XXXX XXXX XXXX Original Creditor 11 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX XXXX XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX Account Type Utility Company Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit

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 2020-07-15 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: CA

Complaint narrative:
On XX/XX/XXXX I purchased supplies for my business from XXXX XXXX for {$39000.00}, the supplies were picked up the same day from the merchant in XXXX, CA. On XX/XX/XXXX I was notified via email that there was a recall of the product by the manufacturer. On XX/XX/XXXX, the merchant picked up the supplies and issued me a receipt for the return and a letter stating I would receive credit back with 24-48 hours. I never received the refund after multiple attempts to contact the merchant with no response. On XX/XX/XXXX I contacted American Express to explain the situation, they entered a claim on my behalf and did not ask for any supporting documentation. On XX/XX/XXXX I received notification from American Express stating that my claim was denied because " they did not believe goods were exchanged ''. I was shocked, I called them and no one could explain to me why this decision was made, but I was told they could redispute the transaction and I could attach supporting documentation if I had it. At that point I provided them with the purchase receipt, the recall notice, the letter stating I was due a refund from the company and all of the email correspondence with the merchant. Within 48 hours, American Express again denied my claim for the exact same reason. Again I contacted them to ask why they " did not believe goods were exchanged '' to only be told they could not give me any additional information but I could redispute for a third time to have someone review again, I agreed. Again with 2-3 days I received the exact same denial letter. When calling back for the 3rd time I was now told there was nothing they could do because I had already disputed the transaction 3 times and I would have to take it up with the merchant. I think this behavior is extremely predatory against the consumer, deny their claim and trick them into agreeing to redispute until they can not do it anymore and also don't tell them what you need as far as documentation and also don't tell them how they came to that conclusion. It just seems completely deceptive and unfair and what UDAAP was meant to protect against. I have been a customer since XXXX and I have never had an issue but I truly feel that American Express is not doing their job to protect me as a customer. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
First Citizens Bank offers a bonus when a checking and savings account is open, I completed the requirement on XX/XX/XXXX. No bonus yet. 
Well I called today and they insisted I would not be receiving the bonus after all. Very bad bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15 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: MD

Complaint narrative:
On XX/XX/2020, I checked my XXXX XXXX App and saw a hard inquiry initiated by XXXX XXXX. 

I immediately called the bank along with the credit bureaus to dispute the inquiries. The bureaus acknowledged seeing the hard inquiry done on that date above. 

I also added fraudulent alert to all my bureaus for extra protection. Despite my effort, nothing was done on any of these companies ; XXXX and all the 3 credit bureaus I would like you guys to speak on behalf of me to resolve this issue with all the credit bureaus, Equifax, XXXX, and XXXX. 

Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: MI

Complaint narrative:
I filed a complaint thru the CFPB to XXXX XXXX more than 30 days ago and have not received the results. 
Your furnisher has placed in collection on my credit report that I have. Balance of {$270.00} from an XXXX account. I have sent both credit reporting agencies a letter from XXXX stating that I do not owe XXXX any money. I am including in this second complaint the letter from XXXX again. Under the Fair Credit Debit Act the credit reporting agency must report accurately or be fine {$1000.00}. If I owe another furnisher then you must report that furnisher name with the proper Code. 
Your furnisher XXXX XXXX XXXX has no Creditor Code as  explain by XXXX in their letter. 
XXXX XXXX did you read the letter from XXXX stating that I do not have an account with XXXX and that their is no Creditor Code? 
XXXX XXXX it has been over 30 days and you have not corrected your error of the XXXX account why? 
XXXX/XXXX  your reporting a XXXX account that is not mine why? 
Also do the credit reporting agencies bureaus have an obligation to investigate the furnisher that XXXX XXXX XXXX does not have a license to collect and operate in the state of Michigan? 
Do the credit reporting agencies know that XXXX XXXX XXXX lost their license for reporting false debt on seniors? 
XXXX/XXXX did you know the state of Michigan states all seniors must not answer XXXX XXXX XXXX because they are a Scam Debt Collection Agencies to just report them to legal agencies. I agree with the State of Michigan and will not answer them by law and report them. 
XXXX letter states for the credit reporting bureaus to remove XXXX name from my account it is wrongfully to use XXXX when the bank states I did not owe them any money right? 
XXXX/XXXX you are wrongfully using XXXX copyright name to collect a debt that was never owed to them you just want to give a no license debt collector in the state of Michigan free money right? 
XXXX/XXXX  I did not have a debit with XXXX for any debit collector agency to collect so why are you reporting I owe XXXX? 
So if the real debt collector steps up then the senior would have to pay twice and take XXXX/XXXX  to court for reimbursement right? 
The question I have sent again is for XXXX  and XXXX  to answer and not the furnisher? 
The State of Michigan state seniors do not have to answers to the Scams of no license XXXX XXXX XXXX in the state Michigan for seniors just report them to the State of Michigan.

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 2020-07-15 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: MI

Complaint narrative:
I filed a complaint thru the CFPB to XXXX Equifax more than 30 days ago and have not received the results. 
Your furnisher has placed in collection on my credit report that I have. Balance of {$270.00} from an XXXX account. I have sent both credit reporting agencies a letter from XXXX stating that I do not owe XXXX any money. I am including in this second complaint the letter from XXXX again. Under the Fair Credit Debit Act the credit reporting agency must report accurately or be fine {$1000.00}. If I owe another furnisher then you must report that furnisher name with the proper Code. 
Your furnisher XXXX XXXX XXXX has no Creditor Code as explain by XXXX in their letter. 
XXXX Equifax did you read the letter from XXXX stating that I do not have an account with XXXX and that their is no Creditor Code? 
XXXX Equifax it has been over 30 days and you have not corrected your error of the XXXX account why? 
XXXX/Equifax your reporting a XXXX account that is not mine why? 
Also do the credit reporting agencies bureaus have an obligation to investigate the furnisher that XXXX XXXX XXXX does not have a license to collect and operate in the state of Michigan? 
Do the credit reporting agencies know that XXXX XXXX XXXX lost their license for reporting false debt on seniors? 
XXXX/Equifax did you know the state of Michigan states all seniors must not answer XXXX XXXX XXXX because they are a Scam Debt Collection Agencies to just report them to legal agencies. I agree with the State of Michigan and will not answer them by law and report them. 
XXXX letter states for the credit reporting bureaus to remove XXXX name from my account it is wrongfully to use XXXX when the bank states I did not owe them any money right? 
XXXX/Equifax you are wrongfully using XXXX copyright name to collect a debt that was never owed to them you just want to give a no license debt collector in the state of Michigan free money right? 
XXXX/Equifax I did not have a debit with XXXX for any debit collector agency to collect so why are you reporting I owe XXXX? 
So if the real debt collector steps up then the senior would have to pay twice and take XXXX/Equifax to court for reimbursement right? 
The question I have sent again is for XXXX and Equifax to answer and not the furnisher? 
The State of Michigan state seniors do not have to answers to the Scams of no license XXXX XXXX XXXX in the state Michigan for seniors just report them to the State of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: Credit Technology, Inc.
State: CA

Complaint narrative:
I did not apply for any loan with this company. This was illegally done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I did not apply for any loan with this company. This was illegally done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: CA

Complaint narrative:
I contacted each company regarding illegally pulled hard inquiry. Each confirmed XXXX sent them my information and no inquiry shouldve been pulled. All inquires still remains, several are doubled on my 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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
We were discharged from our Ch. XXXX Bankruptcy in XX/XX/2020, our mortgage company PHH reported to the credit bureaus in XX/XX/2020 that our mortgage was {$280.00} dollars past due for over 180 days ( which would fall when we were in bankruptcy ), but when they reported this they had not reconciled our mortgage account from the bankruptcy, once they reconciled our account ( XXXX XXXX ) it was current, nothing past due. So Phh mortgage had our money in one of the accounts but had not applied it to where it needed to be before they reported negatively to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Called Equifax @ XXXX but their operators do not pick up. Was required to give a ton of information to " verify '' my identity, only to have the call go straight to their survey ... TWICE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
We have a home loan with Quicken for an investment property. The payment was ~ {$950.00} and for the last 4 years, we have paid {$1000.00} every month, have never been late. 
Last night, my wife checked her credit and saw 2 delinquencies filed for this loan. We called quicken to try to understand what happened, they told us there was an escrow change and our new payment was {$1000.00} - and since we were short {$50.00}, the credit agencies where notified. 
We explained to them we have not received any information regarding a new payment in writing nor any phonecalls. They insisted they mailed us a letter in XXXX ( which we did not receive ) and because we were short by {$50.00}, our mortgage is delinquent. They refused to work with us to fix it - had we known it would have been no problem. 
We are not only now afraid that her credit has dropped by 200 points but we are afraid they will use situations like these to foreclose on properties like this, it is predatory behavior. I have other loans with other companies and no one has treated us this way - especially after a 4 year relationship and especially for a {$50.00} gap which was clearly a communication issue. 

We then found out that Quicken did not change our address in the servicing database from a move 3 years ago even though we called in to make that change AND did a USPS change of address. They confirmed it was mailed to the wrong address but refused to work with us. What's more is that we have had loan applications with them since and confirmed that they did in fact have the most recent address. They didn't tell us the escrow changed, then filed a delinquency record and refused to update it or any late fees for {$100.00}!!! 


This feels illegal and exploitive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Detailed below, but the summary is that Coinbase sent me an email falsely stating a transaction had been cancelled when it hadn't been, which resulted in me incurring fees that I otherwise could have avoided, not to mention a fair amount of stress. Here 's what happened : On XX/XX/2020 I submitted a trade request to Coinbase to purchase bitcoin by funding with an ACH transfer from my bank. Due to an account number issue with the bank, the ACH transfer failed. On XX/XX/XXXX, I received an email from Coinbase saying the bitcoin purchase transaction had been cancelled. 

The following day I logged in to coinbase and discovered the website reported that the bitcoin purchase had not in fact been cancelled, I owed USD funds to cover the bitcoin purchase and that a 5-day clock had started ticking on the XXXX for me to resolve the missing USD funds or else my other currency possesions would be liquidated. I subsequently tried to contact Coinbase but was unable to get anyone to help me resolve the issue. I eventually had to wire funds into Coinbase rather than ACH because the clock didn't leave enough time left. 

Their customer service was terrible and I was never able to get anyone to identify what the problem was nor any indication from anyone that they would try to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I contacted each company regarding illegally pulled hard inquiry. Each confirmed XXXX sent them my information and no inquiry shouldve been pulled. All inquires still remains, several are doubled on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: Westlake Services, LLC
State: CA

Complaint narrative:
I contacted each company regarding illegally pulled hard inquiry. Each confirmed XXXX sent them my information and no inquiry shouldve been pulled. All inquires still remains, several are doubled on my 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