vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 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: NY

Complaint narrative:
In XX/XX/2020, I purchased airline tickets with a third party company, XXXX. The purchase price was {$5500.00}, for XXXX adults, XXXX senior and XXXX child. Purchased on my Chase credit card. The tickets were for United Airlines leaving on XX/XX/2020 from XXXX NJ to XXXX XXXX. Because of the world wide pandemic, United Airlines has cancelled my flight. I called XXXX several times to see about a refund, but got no response, until I called Chase, and filed a dispute. An email was send to me from XXXX offering my a refund of {$3800.00}, taking out " fees and taxes '' of {$1600.00}. However United Airline were giving back a full refund, without penalty, fees or taxes. Chase re-billed my credit card for the full amount ( {$5500.00} ). When I called to inquire why. They claim because the dispute was not justified since I had authorized the charge. However, according to the Fair Credit Billing Act. I did not received any goods or services for the charged amount. The XXXX XXXX XXXX has 62 complaints on file from other customers of XXXX, stating the same thing has happened to them.. Charging taxes and fees. This is shameful business practice, taking advantage of consumers during these tumultuous times. And shameful on Chase for not recognizing a violation of the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fig Tech Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. When checking my credit report, I noticed debt from a company I had never heard of. I contacted the company to dispute the debt, and asked specifically what form of identification they used to verify the person using my social security number was actually me. They refused to provide that information, and claimed that having my name and social security number was proof the debt was mine. I have never heard of this company. I never took out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX to XXXX  becuase they reported the forbereance in my credit report which is not alligned on what they told me.

I never been late on my payments. I request this mark to be taken off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have sent several letters to the company asking to send me the below information. The company has changed the amount that is owed and dates several times. to have this to stay on my report trying to force me to pay for a debt that is not mines Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation.

Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: FL

Complaint narrative:
i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX  to XXXX  becuase they reported the forbereance in my credit report

which is not alligned on what they told me. I never been late on my payments. I request this mark to be taken off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX to XXXX  becuase they reported the forbereance in my credit report which is not alligned on what they told me.

I never been late on my payments. I request this mark to be taken off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: FL

Complaint narrative:
i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX  to XXXX  becuase they reported the forbereance in my credit report which is not alligned on what they told me.

I never been late on my payments. I request this mark to be taken off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
This Contract is over 3 years old & was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.

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 2020-05-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are two accounts reporting on Equifax that the company agreed to delete because they were paid in full. The other two bureaus did delete the accounts yet Equifax still reports them. It has been 90 days now and they still report it. It has been disputed along with proof sent to them. I get the virus is slowing things down but why did the other two bureaus see fit to do their job and Equifax hasn't?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/2020, I received in the mail a Cash App Visa card that I never applied for. 

2 weeks prior, a Cash App withdrawal and other withdrawals were fraudulently taken from my bank account, which my bank immediately corrected. 

I am suspicious that what happened 2 weeks ago is connected to my receiving an unapplied for Cash App Visa card. 

I can not contact Cash App by phone or email as I have searched for a number. I want NOTHING to do with Cash App ... NO ADVERTISEMENT ... etc.! 

At this point, this company has my name on a Visa Debit Card, with an account number, expiration date, and CVV # wanting me to  activate. 

Since I can not contact them, how can I be removed from their company?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I purchased a 2016 about 2 to 3 years ago and still paying a high monthly payment with a high balance. If I can continue to pay, i would have paid for this used car twice due to high interest rate. This is very unfair and needs to be stopped. When I purchsed the car it had about XXXX  miles and i was in a Chapter XXXX and was not to exceed XXXX dollars. They sold me the car for abouyXXXX and added XXXX in interest. This is so very unfair. I have been struggling to pay XXXX monthly for the last several years and I have fallen behind due to lack of work and a lack of finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: PA

Complaint narrative:
After viewing the credit report, Enhance Recovery furnished a collection on the credit report which is related to an unfamiliar account. Made several attempts to resolve this matter, however ; no feed-back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: PA

Complaint narrative:
After reviewing the credit report, IC Systems furnished an unfamiliar tradeline on the account. Made an attempt to resolve this matter, however ; no feedback.

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 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Navy Exchange wrongfully cited me as owing on a account that was already paid. This check was made after everything was paid. The payments were taken out of my retirement paycheck.

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 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: FL

Complaint narrative:
On XXXX XXXX at XXXX. At XXXX I used my personal debit card to load and put {$400.00} on a Netspend prepaid card. The cashier said to call customer service to register the card. The customer service was closed at that time. I called XXXX when they said they will be open they still was closed. Over the automated machine with netspend customer service I was not able to say my complete address and answer other related security questions to register and utilize this card. I have {$400.00} on the card and need to be able to use the money on the card right away. My number is 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 2020-05-18 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: MA

Complaint narrative:
A few years ago when the XXXX  breach occurred, I checked my free credit reports for all 3 bureaus and noticed a XXXX  account was opened fraudulently on XX/XX/XXXX, I disputed this account with XXXX directly and it was closed by them on XX/XX/XXXX. On Thursday XX/XX/XXXX ( 4 years later ) I received a collection letter from XXXX XXXX, collection supervisor @ Credit Control. Today, XX/XX/XXXX, I sent an email to XXXX ( email on the letter ) disputing the validity of the debt. I have also sent a copy via mail to this office, the CFPB, XXXX, FTC & Massachusetts AG office. Thank you!

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 2020-05-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I had an auto loan open in ~XXXX at XXXX  XXXX XXXX ( previously XXXX  XXXX XXXX XXXX ) in XXXX , Indiana that was paid off ( the vehicle was a " total '' after an accident ). The auto loan showed up on Experian as " closed '' but still showed on my credit report. 

Now, when I've checked my credit report online, it's disappeared. I have disputed this with Experian and they've quickly returned the report as updated and complete. Despite the dispute I submitted, there has been no change, on any of the credit reporting companies ' websites, online ( from what I can see ). 

The dispute I made was on ~XXXX and XXXX of XXXX ( this year ) according to my emails ) I " opened '' the dispute again on the XXXX because the closed auto loan still didn't appear on my Experian 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 2020-05-18 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: OH

Complaint narrative:
On my credit reports there is wrong information reporting on it. XXXX XXXX  account have been closed and is not longer on my report. Also with XXXX, XXXX, and transunion, there are accounts reporting on my report that are incorrect and are violating the fair credit reporting act. There are unauthorized inquiries reporting. 

On XXXX  report XXXX XXXX is a fraudulent account it was not opened by me. 
XXXX XXXX  account is closed. 
Also the {$64.00} balance don't have no information and is not completed properly. These accounts need to be removed immediately. 
{$720.00} balance don't have the correct information and the information isn't completed. Their is no credit information listed. ( violation of the fair credit report ) XXXX XXXX Ohio is a fraudulent account I never opened that account. 

XX/XX/XXXX inquiry : XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX   XXXX. 
XX/XX/XXXX XXXX/XXXX  inquiry was not authorized by me. I never applied for credit with XXXX/XXXX. 
XXXX XXXX, XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX. 

XXXX  XXXX XXXX  account is closed. 
XXXX XXXX is a fraudulent account. i t was never opened by me. 
XXXX XXXX XXXX XXXX inquiry needs to be removed. I did not approve this inquiry. 

Transunion report needs to be updated. 

All addresses needs to be updated. 
Only current address is XXXX XXXX XXXX XXXX, Ohio XXXX All old names but XXXX XXXX needs to be updated. 
All statements and fraudulent alerts and security alerts needs to be 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 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
A few years ago when the XXXX  breach occurred, I checked my free credit reports for all 3 bureaus and noticed a Macys account was opened fraudulently on XX/XX/XXXX, I disputed this account with Macys directly and it was closed by them on XX/XX/XXXX. On Thursday XX/XX/XXXX ( 4 years later ) I received a collection letter from XXXX XXXX, collection supervisor @ XXXX XXXX. Today, XX/XX/XXXX, I sent an email to XXXX ( email on the letter ) disputing the validity of the debt. I have also sent a copy via mail to this office, the CFPB, XXXX, FTC & Massachusetts AG office. Thank you!

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 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The Chase Slate card and the Chase Saphire card in the middle of the Cobid -19 crisis without ever having had a late payment and with low use of the card and without having used it in the middle of the pandemic crisis. They have decided to lower my line of credit. The Slate card with a line of credit of {$6800.00} and only having spent {$2200.00} lowered the credit to {$2600.00} and the Saffire card of {$6000.00} with an expense of {$3900.00} under & XXXX. I think that in this moment of crisis the credit cards are abusing the client because this affects my credit score. I live in Florida, I am still in mandatory quarantine and they have acted abusively and disrespectfully towards me as a client.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax today at XXXX XXXX  I spoke with XXXX in the dispute department to dispute a XXXX XXXX account that is being reported on my credit file. I've went through steps 1 and 2 in disputing the item which suggests that I owe XXXX dollars in XXXX XXXX   which is a closed account. I requested from Equifax that they provide me with a written wet inked contract that bares my signature on it within 30 days per FCRA 609 But XXXX requested that I send something to them proving that the debt is not mine the law clearly says that the Credit reporting agency that is reporting anything on my file should have maximum proof that the item belong to the consumer. In this case maximum proof will be a contract with me and the debt collection agency. I also informed XXXX that if she refuse to provide me with the requested documents she can be sued in the Court of law XXXX then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: IL

Complaint narrative:
Due to multiple disputes on XXXX XXXX XXXX account ending in XXXX that has not been corrected I have used all my free credit reports. I have disputes this 10 times and they still have not corrected it. I have sent end documentation electronically, by mail, and by certified mail multiple time. I have call 20 times and they still have not corrected issue. The acct ending in XXXX show charge off with balance and 23 missed payments that has not been corrected. I have sent 5 letters for  method of validation since XXXX of 2019 and they have not responded to any of the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
Hello, XXXX XXXX contacted me again this morning after I filed a complaint against Williams Rush and Associates about a year back to stop contacting me. Contact stopped. She started to harass myself, my friends, and my place of employment this morning. When I called her and asked her to stop, she attempted to talk over me. Im filing this complaint to cease calls again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation