vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date of hotel stay - XXXX I booked to stay XXXX night at XXXX XXXX XXXX XXXX in XXXX XXXX using my XXXX  chase card via XXXX XXXX. No where on the website explains that the jacuzzi is closed, when we arrived we only had an option to swim in the non-heated pool which was freezing. The following morning, I had XXXX bug bites on my forehead, which looked like XXXX infections. I told the hotel and the broker which I used XXXX XXXX XXXX XXXX and the hotel completely ignored me. Claimed they did not receive my emails, and said told XXXX XXXX it was was in their spam folder. XXXX XXXX said the hotel said I had the XXXX prior to arriving, and that I spread the germs to the hotel which is complete blasphemy. I just wanted a sincere apology, but now i want a full refund. 

I am completely dissatisfied with the service the hotel provided, most of their reviews online talk about their horrible customer service and dirty interior. I am extremely disappointed at XXXX XXXX for not handling this situation and caring for their customers. 
I felt discriminated as a XXXX women, saying I infected their hotel. I also spoke to Chase and they said they could not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I recently had a late payment reported back in XXXX of XXXX that resulted an A credit limit decrease from my XXXX comenity bank credit card. Im aware that the companies do soft pulls to check the status of a consumers credit report worthiness on a regular basis. However, the late payment that was reported to my credit report earlier this year was a mistake on behalf of the company and has now been removed. I am bringing this issue to the CFPB because comenity bank refuses to restore my credit limit back to where it originally was which was XXXX. I currently have a credit limit of XXXX which has hurt my score dramatically because my utilization went from the 20s to the 90s which is an issue because I am currently in the process of obtaining financing as well as applying for new credit cards and I can not move forward with financing until my credit limit is under 30 percent. Comenity bank has no sympathy for a loyal comenity bank customer who makes their credit card bill payment every month. This issue has had a tremendous affect on me because I am trying to recover from the pandemic by obtaining financing for my business. I sent them a written statement specifying these issues and comenity bank did absolutely nothing to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I received a letter on XX/XX/2021 stating that I owed a debt of {$18000.00}. It also informed me that I could dispute this and request verification of the debt which I proceeded to do. A written request for validation was sent on XX/XX/2021 via certified mail. Transworld Systems Inc. received the letter on XX/XX/2021. On XX/XX/2021, I received another debt collection letter from Transworld Systems Inc. stating that I could use my stimulus check to pay them. No verification was received, and to my knowledge they can not attempt to collect on this debt until 30 days from the request for verification. They did not provide the information requested, and they attempted to collect on the debt again. No reference to the request for verification was made on the most recent letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I have on my credit report that this account is negatively impacting me. I paid this off in full with the debt collection agency they used to follow me years back already. I need them to remove this off of my report because it was paid in full already.

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 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Summer class in XX/XX/2015 in the amount of XXXX Dollars. 
I am now asking for this account to be put back on my credit report. Due to speaking with my credit lawyer and also all 3 credit bureaus this will be best, because putting it back on my credit report forces them to send proof of this account which I know they can't. And upon checking all my XX/XX/XXXX email, there was never an email sent to Ms. XXXX XXXX. 

I have asked XXXXXX/XX/XXXX over and over again, to send me proof that I asked Ms. XXXX XXXX that I asked her to leave me in her class, Which they claim they did speak with her. However, MsXXXX XXXX never gave out her personal phone number and all you could do was reach her through email. So I asked for proof about that and they never responded. Instead they sent my account to collections, and the collection agency couldn't verify anything so I guess they and XXXX decided to take it off my credit report but still hold it in the collect agency file. I know I never asked Ms. XXXX XXXX to keep me in the class, because I had just lost my father. I had even dropped myXX/XX/2015spring class also because he became ill. This is stopping me from finishing up school.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Evelyn Financial Services
State: SC

Complaint narrative:
Since starting services with EVELYN FINANCIAL SERVICES, my experience has been horrible. Due to all the misinformation, and the fact that it has been very hard to reach Evelyn regarding anything on my account. I was forced to do my own research on Credit repair in general, as well as her company. From what I found, I didn't think she could guarantee me any results, nor could she charge my in advance for credit repair ( Here is the website I seen it on, https : //www.ftc.gov/enforcement/statutes/credit-repair-organizations-act ). I was reading this website, and it's looking like I am only supposed to pay for work that was already completed on my credit. This did not happen this way. I paid her {$300.00} up front. This verbiage was pulled directly from her website ( https : //www.evelynfinancial.com/ ) " Service includes the removal of all negative accounts from all 3 credit bureaus that includes car repossessions, tax liens, bankruptcies, late payments, medical bills, collections accounts and charge offs. You will see your score increase within the first 30-45 days and most negative accounts are cleared within 4 months. ". I signed up for her program in XXXX, 2020. That has been WELL over 30-45 days. It has been nearly a year, and I have had little to no progress on my credit file and it has been nearly impossible to reach her at the office. There was one instance where I messaged her to discuss my account, she directed me to the website, and I paid {$10.00} just to have a call with her, and she didn't even show up for that call. At this point, I've done all I can on my end to try to see results, or try to reach out to Evelyn to get help with my progress. At this point, I do not feel like she is doing the job that I paid her for almost one year ago.

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 2021-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
scam robocall for a credit company. an automated voicemail that said : Hello, this is XXXX  calling from the underwriting department regarding your capital one credit card account. Based on your recent payment activity and balance you maybe eligible for an interest rate reduction to as low as 1.9 %. Theres additional information I need to confirm ... call ... .at XXXX XXXX XXXX XXXX XXXX .... Call from ( XXXX ) XXXX United States XX/XX/21 at XXXX Call from ( XXXX ) XXXX XXXX XXXX TX XX/XX/21 at XXXX XX/XX/XXXX I dont have a credit card with capital one I am on the National Do Not Call registry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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:
There are numerous accounts being reported on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2021-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had a loan through a Jeep Dealer with 5th 3rd Bank. A check was sent to them XX/XX/XXXX per there payoff instructions. First they wouldn't even verify they received the check from the party buying my Jeep! Cant verify they have it or it is even good. Even after I sent proof they already had pulled the funds! Now it has been 2 weeks and my loan is showing paid off and the account closed. They have still not even bothered to send me the {$4000.00} balance they owe me! Said they will send a check in a few days! XXXX! I am so sick of the central bank and your useless services. XXXX, XXXX and XXXX. We will not need you soon XXXX willing!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have two open accounts thru XXXX XXXX XXXX ( Speedy Cash ) which are not mine theft identity I have sent them a police report and they have nit taken them down. My address which is not mine XXXX XXXX XXXX XXXX XXXX XXXX Texas. My name is not XXXX XXXX XXXX is is also wrong on my repert

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Hello but my Social Security has been used in afraid scandal.. and stock I bout with my XXXX  XXXX  card years ago have funds beyond image help me to help u ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
My first knowledge of this debt was when I get court papers stating that I am being sued. When I look at the documents provided by Midland credit management I find that the statements provided were from a person who shared a similar name and a different address. I dont know how these attorneys got hold of my address to sue me. Since I am already in court and have to send an answer I let the court know in my response that that is not my credit card account and that is not my address. I have lived in my current address for the last 15-16 years. I dont know any one in that address not even in that town. I send a copy of my response to the Midland attorneys as directed by the court. As a result I begin getting requests from midlands attorneys to provide to them all my personal information in order for me to prove it is fraud. Why would I do that if they are supposed to have that information if they claim I opened a credit card and owe money. I am right now waiting for the hearing in the coming month but I am unemployed and dont have an attorney and the court could not provide one for me. Midland has no proof that I possess that credit card and are making the papers in the court look like I received those statements, misleading the court. I requesting that they stop this unfair law suit and stop asking for my personal information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: CA

Complaint narrative:
I have some collections on my reports that are over 7 years old and i have been trying to dispute them since XXXX and have had no luck. 
My understanding was that once you filed an dispute the credit bureaus had 30 to reply or fix it. None of this has happen. I check my reports all the time and as of today XX/XX/2021 nothing has came off. 
I mean seriously how long does this take?

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 2021-03-24 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: CA

Complaint narrative:
I have some collections on my reports that are over 7 years old and i have been trying to dispute them since XXXX and have had no luck. 
My understanding was that once you filed an dispute the credit bureaus had 30 to reply or fix it. None of this has happen. I check my reports all the time and as of today XX/XX/2021 nothing has came off. 
I mean seriously how long does this take?

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 2021-03-24 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:
There are numerous accounts being reported on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services, LLC, XXXX, XXXX XXXX XXXX Consumer Reporting Agency are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1692g Validation of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Hello please read the chat attachment that I had with XXXX XXXX the supervisor. I was told that if I made the payment within the 30 days I would be reimbursed by TWO of his CSRs. I was not able to make a payment before the promotion expired because their system showed my promotion paid when honoring my 1st expired one. But then when the next billing cycle issued it retracted all the payments and I was charged interest for the {$410.00} promotion then I was told conflicting information by the supervisor that it was a one time credit. This supervisor was condescending and unprofessional. I want to make it known how this was handled. The XXXX site for Care Credit logs you off if it shows no activity, but I always clicked yes when it would ask are you still there, but it cut me off without notice. Not once did this supervisor call me back even though he had my cell phone number. I tried to rechat again and the chat stated the chat service was down. I can not call as I am working and the chat feature is the only option that is feasible for me during work. So I emailed the message center twice. They all assured me I could make the payment, but when chatting today with the supervisor he gave me the runaround and was just a rude XXXX. He did not want to help me. There is A LOT of financial hardship that I am going through at the moment with COVID19 and I thought CARE CREDIT actually gave a XXXX about their customers. I actually had to BORROW money from my MOM to pay this, but when I saw that the system allocated the payment to it. I thought all was well until I checked my account a day after it closed. Then I saw they had taken all the payments back as I was not aware that is how their system works and not once did they tell me about this, but I had the money to pay both in full since I borrowed the rest from my mother. I was not treated fairly and it is not acceptable. I am truly disgusted and angry. I want this escalated to their corporate. Please see the full chat logs and messages.

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 2021-03-24 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the XXXX XXXX, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$4100.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I used the " Secure Message '' feature on their online system to ask XXXX to increase my line of credit on a credit card I currently hold with them. They responded with some financial questions along with telling me they would have to do a " Hard Inquiry '' to extend my line of credit. I answered their financial questions, but said I did not want a hard inquiry. They responded that it was their policy and I again said that if it would be done without a hard inquiry fine, but i specifically said no to a hard credit inquiry as it would have a negative effect on my credit score when every point was important. Then they did a hard inquiry anyway. I have since been asking them, both via lengthy and futile phone calls and many more secure message, to contact the Credit Agencies and remove that inquire. I have attached screed shots of the secure messages XXXX times and dates show XXXX along with screen shots of when they did the hard inquiry.

Company response to consumer: Closed with explanation