vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, I signed a lease with The Social XXXX Student Spaces in XXXX, FL. within the three business days of consequence-free lease termination, I reached out to the property and notified them that due to an unexpected death in my family that I would not be able to move into the apartment. I asked if I need to fax them anything such as a death certificate, an obituary, or a lease termination form. I was informed that none of that was needed and that I could take my time to grieve without the stress of having to find a subleaser. Ironically, I was told prior to singing my lease in case I did not like it to not pay the entire move-in fee. How can a lease be canceled if it was it was never effective due to the move-in fee never being paid? 
XX/XX/XXXX, I reached out to the property to confirm that I was not moving in. However, the person whom I spoke with was no longer employed at the property. I explained the entire situation and was basically told that I have to pay the monthly rent until I find someone to sublease the apartment. 
XX/XX/XXXX, I get a notification that my credit score dropped due to an unpaid collection. I reached out the collection agency, IQ Data International. I asked for a detailed debt validation such as an itemized list of fees owed, a copy of the lease with my signature on it, any documentation that I would have sent the property such as a copy of my driver 's license and social security card. However, as of XX/XX/XXXX I have not received anything from IQ Data International in the mail regarding the debt or anything that I asked for. 

IQ Data International has threatened to send me jail.

IQ Data International has threatened to do an asset investigation to seize any asset that I could own.

IQ Data International has harrassed me to the point that I felt forced to change my number.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I'm uncertain if paypal is a digital wallet or store credit. I can add value and subtract from the paypal account which is tied to my banking accounts and credit cards. I also have " paypal credit ''. I am having issues with paypal credit. Paypal is intentionally misleading and makes it difficult to get to a feature that you can pay off any special financing/promotions. They advertise across multiple online stores and establishments words such as " free financing '', " free financing for one year '' ... or so on. If a customer wants to look at the balance of each financed item, they are redirected to another site which I believe has been recently taken over by Synchrony Credit. There is nowhere on the Paypal site or the Synchrony site that allows the customer to choose how they want their special financing payment applied towards those Paypal promotional purchases. You have to call, wait on the line, etc. to get to an operator and even that is difficult as we all know that companies don't want to talk to their customers anymore. It is obvious that not allowing the customer easy access to pay off special financing is a benefit to Paypal because of the interest or share they get from Synchrony and a benefit to Synchrony from that same interest but there is no benefit to the consumer. And the " 24hr chat '' is XXXX. It is a virtual assistant.

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 2020-01-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I feel I was discriminated against by Chase based on my age. I have perfect credit. Over a year ago Chase, asked me to go into a Hardship program with lowered interest. I accepted this, but I did not understand that they closed my card. 

I keep great credit history. But I do not even have a chase login now. And I want to pay the whole balance I do not want to be in this program. 

I want my card to be opened. I believe there was miscommunication and misleading practices the representative pushed me to accept the partial payment plan but I never wanted that and I never wanted to close my card. I want to pay the full balance have my login back and have my card OPEN. 

I have a high 700 credit score and do biz with al banks. I have XXXX XXXX in assets and I am a good customer, I was misled and I want the card to be reopened and pay the full balance and continue my relationship with Chase. 

Ever since this happened, I tried calling hundreds of times to pay the full balance and get the card back in its original status but no one has been able to help me. 

I just ask for help please I have great payment history and I want to continue biz with chase!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have two loans with XXXX XXXX XXXX. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XXXX of 2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XXXX to both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because XXXX XXXX XXXX could not prove me wrong. Whatever, XXXX XXXX XXXX did at the time, it seem the did not correct the problem in their system. Since my last communication with XXXX XXXX XXXX in XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.

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 2020-01-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have two loans with XXXX XXXX XXXX. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XXXX of 2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XXXX to both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because XXXX XXXX XXXX could not prove me wrong. Whatever, XXXX XXXX XXXX did at the time, it seem the did not correct the problem in their system. Since my last communication with XXXX XXXX XXXX in XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 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: U.S. BANCORP
State: MO

Complaint narrative:
I paid XXXX on a settlement agreement with Elan Financial only to have the account removed when I spoken to their representative. Now just recently they're saying they would only report the charge-off account as settled & still delinquent. Elan Financial still failed to verify any wet signature or Contracts when the account was opened which violates section 609 & section 611 under the Fair Credit Report Act. I only receieved billing statements which did not include that information. I plan to seek litigation for this careless action if nothing is resolved 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 non-monetary relief
Consumer complaint received 2020-01-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2019, there was a 30 day late payment posted to my credit from WF/XXXX. I've had this card for 2 years with no late payments and the payment posted on time. Since then all payments have been on time. This is a discrepancy by Wells Fargo that needs to be corrected as this has dropped my credit score tremendously!

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 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised by a bankruptcy lawyer to put an identity fraud alert on my credit, while I was obtaining my credit reports and to ensure no new debt arose between the time I filed and the time the bankruptcy was discharged, I placed this with equifax at the end of beginning of XXXX under the understanding it would drop off a year from the time I placed it on the there, fast forward to XX/XX/XXXX and will checking my credit on XXXX and disputing inaccurate information was able to see that the fraud alert had not been dropped and instead had been changed to a 7 year alert, which if I read the fair reporting act correctly should only be able to be done with proof of fraud and police reports, I log into equifax to see that it calls it a promotional alert, weird I thought so I called equifax to see what steps I needed to take too get this removed off my report ( has basically made my ability to recover from my bankruptcy impossible, because it is well known that a fraud alert on credit report tells potential lenders DO NOT ISSUE CREDIT, ) thats beside the point after being sent to a call center in XXXX I was basically extorted out of XXXX and made to sign up for an equifax credit monitoring account to receive any information on how to get this alert removed, my main complaint is how can a company that basically is in charge of my ability to improve my life, ability to provide better things, have better shot to increase wealth have the opportunity to purchase a home going to one ) highjack my credit by extending temporary alerts unilaterally, Two ) extort me out of money to tell me how to get this alert off of my credit Three ) tell me after checking my score for me that its bad and I need to do something about it Good sirs I know that this treatment of an American citizen with XXXX children that works his XXXX off everyday might not be heard, but I truly believe our president would be appalled at how our citizens actual livelihood is dependent on a call center in XXXX its a shame and equifax should be ashamed, they profit off the poor and downtrodden under rouse of tips and ability to see scores, because the rich dont have to check there credit scores they own debt they dont have it!! 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/19 I lost my Chase XXXX debit card and it was fraudulently used at XXXX XXXX for {$950.00}. Once I noticed that my card was used I immediately called Chase to report the fraudulent transaction. During my initial call I stated that I had my card because I confused it with my mothers same FADED XXXX XXXX XXXX debit card. I then noticed that I did not have my card and that it was indeed lost I called to update Chase fraud department. I then filed a police report. Once the claim was settled I was placed at fault due to my Initial claim even though I called several times after to update the claim. I do not feel that I should be at fault because my card was ultimately lost and used without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE bank is refusing to provide me with copies of my corporate checks for the years of XXXX and XXXX During this same time frame someone removed {$6900.00} from my CHASE personal account and CHASE has refused to provide me with the ID the person used to remove the funds, refused to provide me with a copy of the cashiers check the individual had the funds transferred to, refused to provide me with copy of the video footage of the date and time the incident happened so I may prosecute the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2019, there was a 30 day late payment posted to my credit from WF/XXXX   I've had this card for 2 years with no late payments and the payment posted on time. Since then all payments have been on time. This is a discrepancy by Wells Fargo that needs to be corrected as this has dropped my credit score tremendously!

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 2020-01-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Failed to respond to remove error reporting XXXX XXXX XXXX 30 day Lates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-01-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Failed to respond to remove error reporting XXXX XXXX XXXX 30 day Lates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Failed to respond to remove error reporting XXXX XXXX  XXXX 30 day Lates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I went online to book two rooms with XXXX XXXX XXXX in XXXX XXXX Oregon for Arriving XX/XX/XXXX - XX/XX/XXXX, I received the confirmation numbers XXXX XXXXXXXX & XXXX. At approximately XXXX XXXX   I called the XXXX XXXX XXXX to cancel one of the rooms and they didn't have the any reservation for the rooms but when I gave them the confirmation numbers they told me that they were booked though XXXX and gave me their phone number XXXX. When I called the number a man named XXXX said their cancellation policy was no cancellations no refunds! I explained to them that I didn't want to use XXXX and there was nothing that said it was XXXX on the website. The website said XXXX XXXX XXXX XXXX so I thought I was booking with the XXXX XXXX XXXX! XXXX said he would cancel the rooms and I they sent me an email that showed they cancelled both rooms. I also contacted my bank but they said since I used my debit card that I would have to contact the merchant. On XX/XX/XXXX I called the merchant and spoke with a lady named XXXX, I asked her if she was with XXXX and she said yes and then she said they were partners with XXXX! When I gave her my confirmation numbers she said I would get a refund within 3-5 days, then she said no their policy was no refund no cancellations and I was out of luck! She then started talking real fast and said she was tired of going over the same thing. I asked to talk to a manager and she said they will say the same thing and there was no manager there. I said you can't cancel the rooms and keep my money!!!! She said that was the penalty for cancelling the rooms because the hotel charges them that! and she kind of laugh and said I was out of luck! I called the XXXX XXXX XXXX and asked them if they did that and they said no! We are talking about {$1600.00}! I cancelled within 2 hours and I don't believe the they should be able to keep my money and I have nothing! This was deceiving website! I believe they are a fraudulent company! They have in very small print non refundable! The confirmation for the cancellation was done on XX/XX/XXXX! When I call the number they say do I want to know about my reservations but they sent me a email that says status cancelled! I do not want to deal with this company as I think they are a scam company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: NJ

Complaint narrative:
Over the course of about 2 1/2-3 weeks in XXXX, I received constant repetitive calls from Procollect Collections Agency. I have had to block the number from my phone as a means to stop constant calling due to the interference of these calls in my personal and academic life ( I am a student and was receiving these calls at different periods throughout the day ). These calls are repetitive, annoying, and I am being harassed by the employees of Procollect. Additionally, I never received any kind of mail/validation of debt from Procollect and was not made aware of my right to dispute.

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 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX Applied for credit card at local Chase Bank branch, I asked to verify the annual membership due day for the first year, Chase bank told me it would be due a year later, the membership fee is {$450.00} but since it would be due each end of the year, there were not explicit date shown when that {$450.00} would be due XX/XX/XXXX Called Chase to look over my update information as it did not call me regarding my case within 48hrs XX/XX/XXXX Card Received XX/XX/XXXX Account was closed by Chase, was told my card was returned in mistake, poor attitude, told nothing could be done by first representative, called another, reactivate my account XX/XX/XXXX {$450.00} Membership Fee is charged XX/XX/XXXX Contacted Chase on phone to supervisor, told nothing can be done, told even though they believe there is a miscommunication, membership fee can not be returned, and refuse to provide any compensation to false advertisement, they created an internal complaint for me and told me I won't get any follow up, it was basically a note saying that I was a troublesome customer on their side, period

Company response to consumer: Closed with explanation