vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following are UNAUTHORIZED INQUIRIES I discovered on my various credit files. 
COMPANY : XXXX XXXX XXXX. DATE :XX/XX/XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX BUY DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX. DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX BANK XXXX DATE :XX/XX/XXXXCOMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX DATE XX/XX/XXXX COMPANY : XXXX XXXX  DATE : XXXX COMPANY : XXXX XXXX  XXXX DATE : XX/XX/XXXXandXX/XX/XXXX COMPANY : XXXX XXXX XXXX DATE : XX/XX/XXXXCOMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX DATE : 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 2018-12-18 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: TX

Complaint narrative:
On XXXX I filed a dispute for a charge of XXXX from XXXX XXXX which took place on XXXX. In this dispute, I outlined OnXX/XX/XXXX after finding the same item at a much lower price online, I attempted to return the purchase. Despite only having made this purchase a few days prior and the return policy stated on my receipt clearly states a 45-day return policy, my return was denied with no explanation. As an XXXX XXXX member, my return period extends to 45 days from the date of purchase. Therefore, I am disputing this charge as I was within the return policy set by XXXX XXXX. To assist in the dispute investigation I included a copy of the original receipt showing the original purchase, the merchant return policy, as well as the proof of the attempted return and resulting denial denial by the merchant. As outlined by the XXXX merchant dispute conditions Condition 13.7 Cancelled Merchandise/Services, this is a valid dispute as I attempted to return the purchased merchandise in accordance with the return policy provided at the time of sale only to have the merchant refuse the return, violating the terms of sale. 
On XXXX Chase sent a letter stating they refused to chargeback as they sent me a letter to which they claim they did not receive a response to. This is a false statement as not only did I call and resubmit all necessary paperwork, but when initiating the dispute I provided Chase with all relevant documents and information to process this dispute. I contacted Chase many times via phone insisting the dispute be continued as the merchant had failed to produce any information invalidating the dispute. OnXX/XX/XXXX and onXX/XX/XXXX I sent letters in ( proof of submission attached ) reasserting my dispute. Chase further states I did not meet the policy guidelines when I returned the merchandise. This is, in fact, a false statement as it was the merchant who failed to meet the policy guidelines as indicated by the included return refusal receipt. 
I requested a copy of all related documentation for this dispute which I never received. Soon many fronts Chase failed to meet their legal requirements both in investigating this dispute as well as providing documentation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-12-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted several disiputes wiyh experian and have yet to be able to speak with anyone about false inaccuracies they are reporting. I have been unable to reach anyone as well

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 2018-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
After I tell them there going to receive their money on theXX/XX/XXXX. I continue to receive phone calls daily after I have spoken to someone the day before, It not like I'm three months late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: TX

Complaint narrative:
On XX/XX/XXXX I initially filed a dispute for the XX/XX/XXXX Charge from the XXXX XXXX for {$250.00} as I did not stay at the hotel the date of the charge XX/XX/XXXX. One of the hotel managers XXXX XXXX had canceled my stay due to issues with the hotel not providing services as agreed, not providing a reserved room or honoring the best rate guarantee. I provided my correspondence with the hotel general manager,  the original reservation showing an 839sq ft cool corner suite reserved which was not provided. Additionally, I provided information showing the XXXX XXXX was not honored either. All of these issues led to the hotel and I deciding to cancel the stay. 
On a letter dated XX/XX/XXXX Chase states they sent me a letter requesting more information. This letter requested information which had already been provided when initiating the dispute. Thus despite having not fulfilled the reservation, been a guest of the property and providing evidence to my claims, Chase still found the charge valid. As I was not a guest at the property there should be no charge, especially if the reservation is canceled by the hotel themselves. In this regard, Chase failed to adequately investigate or provide a compelling reason or documentation as to why the charge is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-12-18 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: DISCOVER BANK
State: FL

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXX, my wallet and phone were stolen from my possession. They perpetrator who spent money on my account nearly 800 dollars and they found me responsible for it because the police department failed to give me a copy of the police report I made XX/XX/XXXX/XX/XX/XXXX and also said another reason was they seen a transaction before on my account which was named XXXX but anyways there where I found the suspect who stole my wallet and phone. There is so much stuff you can use or buy that will come up as a XXXX transaction that they shouldn't pin that on me. The third reason they said I would have to pay them back is because they called the phone to verify the transaction that took place but keep in mind that XXXX don't need to be unlocked to be answered and they also didn't asked for verification of my identity at all. I was already on my way up to XXXX for vacation with my friends and I didn't try to call from a different phone because I thought nothing of the suspect being XXXX enough to use my card and I didn't want to call from another phone to make it seem like I'm the suspect. so I went ahead and tracked the XXXX that got stolen from me and I seen they went all the way from where I live to XXXX, FL so I cancelled my trip to make my way out to getting my stuff back. so when I figured out how much they have spent on my account I called discover from the broken phone I retrieved after hunting this person down and explained only parts of the story about the fraud done so they can hurry and get this fraud off my card and stop my card from working anymore to the DISCOVER Card REPRESENTATIVE, she said everything would be fine and that we hold our customers 0 % responsible for fraud charges which is also on their website. so I'm waiting for a month then I see the charges placed back on my account because the decision is still going so every billing cycle I got ta pay a minimum amount of money I never used from them in the first place. Then when it reached end of XXXX I finally received a call from a case manager saying unfortunately we can't honor the fraud done because the police station failed to give me a copy of a police report and that they seen a XXXX charge before so I told the guy the full story and he said we will have it under review again for me then two more months past and I get a call from them saying " we still can't honor the 100 % fraud protection '' that they promote. So, I asked can I just fax you guys a witness letter saying what went on during the time and he said that I can try but basically said it won't work. So DISCOVER has me stuck paying them money I don't have nor spent in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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:
Equifax. Continued to report numerous accounts and personal information I disputed due to it being fraudulent. and provided Identity theft report to back in XX/XX/XXXX. Validated and continued reporting fraud account and later on Bank confirmed it fraudulent. 
I have recently discovered that no score is being generated. Worse than that, Equifax have inserted in my file that I am deceased as of XX/XX/XXXX..!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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 — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal automated system tried repeatedly debiting funds from my back up Bank acct when i have already notified them in advance not to ... .due to it being frozen. well everytime they tried and failed ... it started a long negative balance. well i paid the negative overcharges first thinkin that it would make it easier when i sort it out with them. NOPE ... ..they put me on HOLD til my battery died out ... .or accidentally repeatedly disconnected my call. Well, it gets worst.Now ... .all of a sudden ... .a big gap of activity summary is missing from my list ... .n funny how it's records of the overcharges they did that disappeared. I checked and double check the data sheet ... ..i overpaid paypal {$550.00}. So ... ..PLZ ... sum 1 help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX, and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late four times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: FL

Complaint narrative:
on XX/XX/2018 i file a consumer complaint with XXXX experian XXXX about my acoount i ask them to validate the account for the XXXX XXXX XXXX XXXX for {$7400.00} and also XXXX  XXXX XXXX {$1000.00} and XXXX XXXX XXXX for {$310.00}

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 2018-12-18 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:
I have been the victim of ID theft most of the items have been resolved except the one item still on the report : 1 ) Chapter XXXX Bankruptcy Docket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a loan with WELLS FARGO DEALER SVC XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late for three times.

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 2018-12-18 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:
I have been the victim of ID theft most of the items have been resolved except the one item still on the report : 1 ) Chapter XXXX Bankruptcy Docket # 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 2018-12-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been the victim of ID theft most of the items have been resolved except the one item still on the report : 1 ) Chapter XXXX Bankruptcy Docket # 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 2018-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XXXX XXXX i file a consumer complaint with tranunion XXXX XXXX about my acoount i ask them to validate the account for the XXXX XXXX XXXX XXXX for {$7400.00} and also XXXX  XXXX XXXX  {$1000.00} and university XXXX XXXX for {$310.00}

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 2018-12-18 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:
on XXXX XXXX i file a consumer complaint with XXXX  XXXX euiqafax about my acoount i ask them to validate the account for the XXXX XXXX XXXX XXXX for {$7400.00} and also XXXX  XXXX XXXX {$1000.00} and university XXXX XXXX for {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently used my credit card to buy some Christmas gifts, when I looked at my credit score on XXXX XXXX I saw that my score had dropped significantly from GOOD to FAIR. My complaint is ... why should my score go down because you use some of the available credit you have? My utilization went from 1 % to 15 % of available credit. This practice of Credit Reporting companies is unfair and fraudulent, they drop your score and have not waited to see if you make your payments on time or even if you make the minimum or greater payment. What they are doing penalizes you for using your available credit WHICH is then used as a reason for lenders to charge you high interest rates. This practice is more of a collusion between Credit Reporting companies and Lenders. It really is as though you take one step forward and end up two steps backwards. It literally is putting the cart before the horse. 
I have worked very diligently to get a high credit score in order to get the advantages of it. Instead of helping consumers they are suppressing consumers and working with the Lenders to keep the you continually paying higher interest rates. 
I look forward to hearing from you, 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 2018-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Yesterday we found {$4900.00} in fraudulent ACH Debits taken out of our personal checking account at XXXX XXXX from XX/XX/2018 to XX/XX/2018. They were all through Paypal eChecks or Instant Transfers. Upon calling Paypal, we discovered there was another Paypal account set-up by " XXXX XXXX '' using our bank account information ( none of these transactions came out of our own Paypal  account ). Paypal immediately suspended the other account and has told us that they are willing to refund us for fraudulent charges of the last 60 days, but that our bank would need to submit an ACH reversal to do so. 

When speaking with XXXX, they are not willing to do an ACH reversal for the last 60 days, only the first 60 days after the first fraudulent ACH debit. When we initially spoke with our bank about the fraud, we flagged all Paypal charges as being fraudulent ( since XX/XX/XXXX ), although a few hours later we spoke with Paypal and realized that the XXXX and XXXX charges were not fraudulent ( we had actually made these ). Therefore, only charges since XX/XX/XXXX were fraudulent and we immediately informed XXXX. XXXX has since refused to change the date of ACH reversals to XX/XX/XXXX, as it should be, and they are not willing to submit ACH reversals for all fraudulent transactions even though Paypal will accept the ACH reversals the last 60 days ( XX/XX/XXXX - XX/XX/XXXX ). This obviously leaves us in a very tough position, as we will lose out on the majority of our money as the two 60 day periods do not line up! Upon doing research online, this also appears to be a very common fraud problem for consumers that use both Paypal and XXXX. 

What's the value of your claim ( in US $ )? {$4900.00} Date of transaction/travel date : XX/XX/2018 to XX/XX/2018

Company response to consumer: Closed with explanation