vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Credit 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:
I booked a flight through chase XXXX XXXX Booking ID : XXXX on XX/XX/XXXX with a transaction amount of {$350.00}. 

XXXX canceled the flight and I was meant to receive a refund amount for XXXX USD from XXXX. 

XXXX confirmed on XX/XX/XXXX that the refund was issued to XXXX ending in XXXX. This is not my card but the chase travel agency card. I have since called in XXXX ( was told to wait XXXX billing cycle ). In XXXX I called again ( was told to wait another XXXX more billing cycles ). XXXX same thing was told to wait another billing cycle. 

In XXXX when I called- I was told that I would get a check in the mail in two weeks. Did not receive this. I called again on XX/XX/XXXX which was XXXX weeks later and they said the check was never sent. Further escalated and no resolution. 

On XXXX I was told that I need to go to the dispute department and they told me its been over 180 days and they can not make the change. I have been following up for this for over 7 months now - well within the window. During this 2 hour call I was sent around to 4 different departments with no resolution.

I have cumulatively spent over 20 hours on the phone trying to get my money back. I have been pushed around to multiple different departments with no solution - to accounting twice ; disputes department 3 times ; card member services 3 times. Im sure if you look at the log you will see the lengthy amount of notes in there with my repeated calls that have resulted to nothing. Multiple times its has been escalated. That means absolutely nothing because every time I talk to someone new information comes out and its back to square one. 

I have been a loyal chase customer ( 12 years ) & Chase sapphire customer for ( 8 years ). This is absolutely ridiculous. They lost a customer as I am never going to renew again & I will tell all my friends & family to also boycott. That {$550.00} annual fee is not even close to the hours, tears & frustration I have had to deal with the last 7 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Client Services, Inc.
State: CA

Complaint narrative:
I received a call from a company id'ing themselves as legal services who stated they refused to give me there address, stated they dont provide addresses and then they stated they will be revieiwin my address, employment address, notify pending matter which would be reviewed for delivery for proper documentation to send to me however when i asked them the name of business they stated legal services, when i gave my name they refused me my right to know what it was pertaining to then they hung up on me several times and then stated it is NO longer in there office when i asked them what the name of the firm was and informed them i knew my legal rights.. XXXX stated then you know its against the law to NOT pay your debt but they wont tell me anything else she said its been transferred out of our office and hung up in my face

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
A letter was sent to Midland from me on XX/XX/XXXX requesting a host of information to support the claim of the debt. Midland did not provide me with any information. Instead, I received a summons for court. A letter was sent to the court the same day I sent Midland a letter requesting proof of debt. On XX/XX/XXXX I received the original and a copy of the " Stipulation of Dismissal with regard to the matter of Midland XXXX XXXX XXXX. The plaintiff " Midland '' requested to dismiss the case. I have provided a copy of the court documentation and the letter that was sent to Midlands.

Midland has reopened on my credit reports as recent as XXXX XXXX, XXXX and also stated that I have never disputed their claims of owing the debt. This is absolutely not the truth and is grounds for legal action for inaccurate information being reported, and numerous other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MI

Complaint narrative:
Subject : Dispute Regarding Refusal to Delete Negative Charge Off After Receipt of 1099-C Form Dear Sir/Madam, I am writing to dispute the refusal of XXXX to delete a negative charge off from my credit report, despite the receipt of a 1099-C form from Discover Bank indicating the discharge of the debt. 

On XX/XX/year>, I received a 1099-C form from Discover Bank XXXX which clearly indicates the discharge of the debt associated with account [ # XXXX ]. As per the guidelines set forth by the Internal Revenue Service ( IRS ), the issuance of a 1099-C form signifies that the debt has been canceled, forgiven, or discharged. Therefore, it is imperative that XXXX  updates my credit report accordingly. 

Despite the receipt of this 1099-C form, XXXX has refused to delete the negative charge off from my credit report. This refusal to update my credit report with the accurate and current information is not only misleading but also in violation of the Fair Credit Reporting Act ( FCRA ). 

I request that XXXX takes immediate action to rectify this situation by : XXXX. Deleting the negative charge off associated with account [ # XXXX ] from my credit report. 
XXXX. Updating my credit report to reflect the accurate and status of the discharged debt as indicated by the 1099-C form from Discover Bank. 
XXXX. Providing written confirmation of the deletion of the negative charge off and the update to my credit report. 

I have attached a copy of the 1099-C form for your reference and verification. I trust that XXXX will handle this matter with the utmost urgency and professionalism. I expect a prompt resolution to this dispute and the removal of the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
they constanly call as soon as XXXX hit at least 4 times a day I told the representive im at work the still abuse by harrasing me I have XXXX and I can not focus at work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote a dispute letter last month on XXXX XXXX and did not get a response.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TrueAccord Corp.
State: IA

Complaint narrative:
I believe this phone call came from a traceable number ( they also said this in the recording-This is XXXX XXXX XXXX XXXX XXXX XXXX calling in regarding your account with our office This matter requires your attention call the number shown on your caller ID now to be connected to a live representative, who is ready for your call ) I have no account witXXXX XXXX XXXX XXXX, the number was XXXX. The only thing I can think of is debt to XXXX XXXX, which is not mine and that was removed from my credit report. But I just received a bill in for my collection company trying to collect the money when it was removed from 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 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. 

It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.

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 2024-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Hello, CFPB representatives. I have funded a new account at an online bank last week to only just tardily be told that I need a new image of my social security card to establish it. 

Mind you, I have opened five new accounts one year to date alone with my present legible card. And what is shameful about this is that along with the attempted application at XXXX online, at least four of these banks were online based. My card is simply laminated, with that, a completely legal standpoint to keep them that way. 

It was already not punctual by a response in my online portal a week after the complete app. Now, I am beset by also a claim that my credit file must be unfrozen. I knew that that was inaccurate because by law that has to be disclosed beforehand in the documents or application. I asked what bureaus they use and they said to unfreeze them all. I am starting to get the impression that I am talking to a wall on these calls. Plus, I did not receive the credit bureau claim until today after calling, days after the SS card update last week. 

My social security card is not a subject for museum portraiture. It is an identification document used to keep the economy booming with good financial habits. It is like a gigantic merry go round where it seems like they are discriminating against XXXX men.

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 2024-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: SC

Complaint narrative:
On XX/XX/XXXX I enter a lease agreement with XXXX XXXX XXXX XXXX managed by XXXX XXXX XXXX. I paid my rent and any late fee as agreement. A new lease wasn't signed in XX/XX/XXXX because I was transitioning back to my family home. I asked and was granted permission to pay month to month. During XXXX of XXXX an inspection was performed in which I noted that the dish washer wasn't working. When I paid my rent for XXXX my payment was return to me along with a notice of eviction. Several days later a ledger from XXXXXXXX XXXX. This ledger had an incorrect monthly rent of {$1700.00}. They used this false information to generate late fees. 
The welcome letter plus copies of cashier 's check and money order receipts are evidence of rent payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2024 I requested an investigation into items that I believed were inaccurate and knowingly reported in a letter to you dated XX/XX/2024. This letter serves as a formal complaint regarding your submission of incomplete and inaccurate credit information. I respectfully request that evidence and payment history pertaining to these purported late payments be provided. As far as my records go, I have never paid past due on these accounts. The subsequent late payment information must be reconsidered due to its inaccuracy and subsequently deleted from my credit report, as it is providing false information.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2024 I requested an investigation into items that I believed were inaccurate and knowingly reported in a letter to you dated XX/XX/2024. This letter serves as a formal complaint regarding your submission of incomplete and inaccurate credit information. I respectfully request that evidence and payment history pertaining to these purported late payments be provided. As far as my records go, I have never paid past due on these accounts. The subsequent late payment information must be reconsidered due to its inaccuracy and subsequently deleted from my credit report, as it is providing false information.

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 2024-03-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: UT

Complaint narrative:
NetSpend Card has been very secretive about what or who has my bank card and won't tell me what's going on with my accounts or my cards

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have already filed a dispute with XXXX about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 1681 - Congressional findings and statement of purpose. I will be attaching my letter and their response to just update instead of delete the account.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute certain items on my credit report that I recently investigated. Upon review, I discovered unverifiable, invalidated, inaccurate, and questionable items that were reported by your agency. 

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate and verified. However, the items in question do not meet this standard. Specifically, they violate 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) as they are not reported accurately. 

I am attaching copies of all letters previously sent for your reference. I kindly request that you conduct a thorough investigation into these discrepancies and promptly correct any inaccuracies found. 

Thank you for your attention to this matter. I look forward to receiving a response and resolution in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting the verification of the completeness and accuracy of the XXXX XXXX account ending in XXXX as to payment history, the date of delinquency, and the charge-off date.

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