vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I reserved 2 hotel rooms for a future date in the XXXX mobile application at the XXXX XXXX in XXXX XXXX and was never presented with a disclosure that the hotel required a deposit to hold the reservation. In addition, the hotel even calls out that one can cancel the reservation without any penalties a number of days prior to the reservation date. On XX/XX/XXXX, XXXX XXXX XXXX Hotel in XXXX XXXX charged my XXXX XXXX credit card for a hotel reservation in XXXX XXXX two separate charges of {$660.00}. I contact the XXXX XXXX and they apologizes for the charges and would reverse them. These charges were presented on my XX/XX/XXXX statement ( Payment due date ). 

My XX/XX/XXXX statement showed only one charged had been credited back to my XXXX XXXX account on XXXX XXXX, XXXX. So contacted the hotel again explaining to them the situation as I had now received a notification that a credit bureau had been informed that my account with Chase ( XXXX XXXX ) was delinquent. The XXXX XXXX XXXX accounting department called me back later on XX/XX/XXXX to inform me that they had made a mistake and that their account system only processed one of the two charges. 

This morning ( XX/XX/XXXX ) I reached out to Chase seeking their assistance in reversing the delinquent notice to the credit union. They explained to me that I was at fault for assuming that the XXXX XXXX, their partner and affiliate for the XXXX XXXX card, would have processed both refunds. They went on to say that I should have paid the minimum balance for a charge I did not approve and attempted to handled directly with their partner and merchant, XXXX. Chase had initial informed me that I could dispute this charge but it would be easier if I contacted their partner, the XXXX XXXX. They did not disclosure to me the potential impact by not opening a dispute if this situation went on for some time. The Chase Credit Bureau Specialist Unit further stated that I need to contact the credit bureaus to resolve my issue and reiterated that I should have paid the minimum and I could have called back to ask for my money back. They were able to see this morning that the refund from the XXXX XXXX in XXXX XXXX was pending and would clear tonight. 

My concern is what is a consumer supposed to do if a credit card company is not willing to assist one of their customers when the credit card company 's partner illegal charges that customers credit card. At this time, my credit score has been impact by Chase 's actions along with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Fraudulent Chase Bank ( account/s ) Possibly involves XXXX XXXX XXXX accounts XXXX : distributed information dark web Cell ported number Can not contact Chase Bank No access to cards/accounts Possible additional account holders XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy. Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification. The Phone and Fax numbers of the Individual or Department from whom you obtained this information. Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA. Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy. You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A. 1692g ( b ) dispute and 30 days to provide the information requested above. If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.

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 2021-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
WORST experience of my life with a bank resolving THEIR mistake. Put a cashiers check for my landlord in who knows whos account. Claimed it was corrected but REFUSED to give me a corrected receipt for the deposit. Branch manager refused even when I asked can you just type up a letter on your letterhead stating correct amount and account and again she REFUSED!!! This is your mistake and this is your way to fix it for a customer???? Disgusting. I will share this experience on social media daily How do you REFUSE to proved a corrected receipt for a deposit to a customer when you all messed it up to begin with????????? 
All I have is a persons word its fixed??? What if a month later the landlord claims they never got it. How do I prove it without the corrected receipt?????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had a negative balance prior to getting the 3 rd stimulus. It went in via direct deposit so did my paycheck. I noticed a yellow triangle on my online banking at top. I clicked and its all jargon that a non banking person can not understand, so I called customer service. I spoke to a lady who I asked what this yellow triangle is for and why theres another credit in my account. She proceeds to tell me its Covid 19 relief from bank for overdraft fees I had. So I said ok thanks so much thats great! So I got that on the XXXX th into my account and contacted the PNC branch about this few days afterwards. Fast forward to XX/XX/21. My check at XXXX was declined. I called XXXX XXXX and that place is terribly wrong on many levels. Long hold times, unable to understand person on other end due to language barrier. They told me my bank did this. And to contact yet another third party so I did it was XXXX XXXX XXXX who stated also it was my bank. I reached out to PNC via online chat. And the girl told me my account was negative XXXX!! And it actually shows on my end XXXX and some change was in there left! So I then asked for a manager who told me they automatically did this for everyone who had a negative balance for stimulus! I never was informed, thats why I called when I saw yellow triangle caution thing on my account! So as a consumer, without my permission they did this and now Im out and flipped XXXX down again because of the bank. They did this I called to make sure got wrong information obviously and was basically told so sorry we will train staff more! Bull XXXX this was done without my knowledge, permission and this is unfair banking practices. Im now right back where I was prior to getting stimulus because of pnc bank and what they did without my permission and knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 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: MD

Complaint narrative:
I have been trying to obtain business funding to start and better my business however, this has not been possible because ever since I filed my bankruptcy, certain accounts were not updated properly on my credit report! So on XX/XX/XXXX I decided to try to dispute the false information with the bureaus. By XXXX they hadn't responded or corresponded with me at all so I sent another dispute on XX/XX/XXXX. Here it is XX/XX/XXXX and I am sending another dispute even though none of the bureaus have responded to me about anything I submitted to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MD

Complaint narrative:
I have been trying to obtain business funding to start and better my business however, this has not been possible because ever since I filed my bankruptcy, certain accounts were not updated properly on my credit report! So on XX/XX/XXXX I decided to try to dispute the false information with the bureaus. By XXXX they hadn't responded or corresponded with me at all so I sent another dispute on XX/XX/XXXX. Here it is XX/XX/XXXX and I am sending another dispute even though none of the bureaus have responded to me about anything I submitted to them!

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 2021-03-30 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Fraudulent XXXX XXXX XXXX  ( account/s ) XXXX : distributed information dark web Cell ported number Can not contact bank No access to cards/accounts Possible additional account holders XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I contacted chase freedom in XXXX XXXX XX/XX/XXXX to get some protection on an account that I was in good standings with and learned it was closed XX/XX/XXXX. I informed them i had paid my account and the bank had sent my money elsewhere instead of paying the bills i normally pay. They never told me my account was closed. Sunday XX/XX/XXXX i called the company to see if they would remove the late fees and to see if i could settle this close account since they were falsely reporting information on my credit report. I was told i cant be removed out of a program they offered to help people affected by global pandemic. I trusted them and they bamboozled me. I am not paying a partial payment agreement. This wording is misleading, hurtful, and and a form of racism ... i want to be removed from the program. If you cant help me dont hurt me.i was on the phone with chase for about 2 hours on XX/XX/XXXX. One of the Represenitive misinformed me to make a payment to bring my account current.. i informed it is current she continued to nicely badger me making it appear that they will remove me ..i explained i will make a payment and i may pay more but i want to be removed first. She asked me if XXXX XXXX is the bank i use ... i said yes so she could move me to the next person to help me out of this faulty product ... I was told i signed it i am stuck.. i signed this product under the duress of covid. This is a closed account and adding misleading info on top of a closed account just causes harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In the years of XX/XX/XXXX to XX/XX/XXXX. These amounts were between {$300.00} to {$2000.00}. I don't have the statements for this account since its been a long time. I know that i only used the credit card 1 time for less than {$200.00}. I paid 1 time because that's what i owed. When i realized that I had other stuff being charged on my account i called the credit card company. They couldn't do anything.

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 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Borenstein & Associates, LLC
State: CO

Complaint narrative:
My complaint is with Borenstein & Associates , LLC Mr. XXXX Borenstein # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Phone # is XXXX Mr. XXXX Borenstein brought a falsified document into court claiming I had been legally served papers by his company back on XX/XX/XXXX of XXXX. Unfortunately They delivered the papers to some stranger at a job I used to work at over a year ago. Without properly confirming I had received the notice to appear Mr. XXXX Borenstein proceeded as planned with his corrupt practices. 
Mr. Borenstein is in direct violation of the FDCPA ( Fair debt Collection Practices Act ) Section 15 USCS 1692e : False or Misleading Representations ( 5 ) The threat to take any action that can not legally be taken. ( I was never served any papers. Mr. Borenstein just dropped papers off to some stranger at a job I have not worked at for over a year. Per Colorado Law and this code, I was never legally served, and he can not threaten to garnish any wages of mine which he is. ) ( 10 ) The use of any false representations or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( Mr. Borenstein used Deceptive Practices when not legally serving me papers prior to court and lying to a judge so he can fast track this case to illegally take advantage of me. ) ( 11 ) The failure to disclose in the initial written communication with the consumer. ( The first communication I received from Mr. XXXX Borenstein 's company was a threat from him to garnish my wages received on XX/XX/XXXX. ) This is just what I was able to find in the first 10min of researching this topic and how I can handle this situation. If Mr. XXXX Borenstein would like to proceed with this the legal way he should come serve me papers the legal way and I would be more than happy to participate in his investigation. But until then this is harassment and an illegal attempt to sue me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX Kohl 's reported my account 30 days delinquent for more fee 's than my principal balance. In the age of COVID I think this is cruel. I have had my Kohl 's credit account since XXXX and have never been 30 days delinquent. The alerts that I set up to alert me of an late payment or missed payment when I set up my account are somehow no longer set up. I didn't notice prior to this month that these alerts were no longer set up because I'm never late. To add injury to insult when I received my statement and noticed that I was past due, I immediately paid the balance in full. Kohl 's took two payments from my account and now I have a credit on my account. I only received one confirmation email for one payment and that was confirmation number XXXX and I also spoke with a customer service rep after I made my payment, she stated my account was in good standing and never mentioned anything about a double payment or credit on my account. I also reached out to Kohl 's on XX/XX/XXXX via written communication through the website and have yet to receive a response. 
I'm not really looking for a refund because I will possibly use my Kohl 's charge account in the future however, my credit is very important to me and I would like this negative trade line removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am in the process of selling my home. This loan obligation was satisfied in XXXX and should have been removed from the title but wasnt so my title company has been working diligently to get a payoff letter of satisfaction from Regions. Their first request was made on XX/XX/XXXX. They were told at that time that it would be 10 days. When they did not receive a payoff within those 10 days they were told transferred around to various departments until they reached the loan department and were told theyd have the Payoff Letter in 24 hours. That was XX/XX/XXXX. By XX/XX/XXXX we still had nothing so I went into the branch and spoke with a Customer Service Representative who has been very kind and working very hard to try and get the Payoff Letter of Satisfaction since XXXX on XX/XX/XXXX. He had to make a request also through the loan department and was told wed have it within 24 hours. It is now XX/XX/XXXX, the day before Im supposed to close and we still dont have the payoff letter!!! This is holding up 2 closings at this point and needs to be brought to a quick resolution.

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 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
I Checked my credit report with the 3 credit Bureaus and seen that XXXX  was reporting an inaccurate debt. On my credit report it reported a high balance of XXXX. XXXX XXXX/XXXX XXXX. I sent sent to XXXX  a letter to verify debt, XXXX  responded that the debt was verified and accurate. I requested validation of debt from XXXX XXXX. I received a bill with a balance of XXXX ( see attached ). I am aware that a bill does not constitute that i owe a debt. I then received a response from XXXX XXXX XXXX on XX/XX/20 stating that I owe a balance of XXXX. I have received 3 different balances all are reporting different and inaccurate. By federal law any items that report on my credit report must be accurate this in violation of my rights and must be deleted immediately. I have attached all correspondences from each company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have accounts on my credit file that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX Fortiva XX/XX/XXXX and XX/XX/XXXX These were all soft inquiries that I did not authorize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Opened a personal account with PAYPAL, entered all info, confirmed my email address then went to apply for a card, to access my account, a debit card, after doing so I got a nasty email saying my account was restricted and fraudulent etc. I confirmed my email, no other information was requested so how is it fraudulent?

Company response to consumer: Closed with explanation