vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 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: VA

Complaint narrative:
My first post-covid flight was a terrible experience thanks to XXXX XXXX and made worse by Chase 's dispute team ( they openly mocked me ). 

We purchased two tickets for XX/XX/XXXX for {$440.00} each, but you had a preventable mechanical issue that caused us to have to fly out the next day. Since my flight was not honored on the XXXX, I demand a full refund for that half of the total. The single XXXX  representative they had at the airport gave up on trying to help people and handed cards out with the reservations number. She basically told us ( with her actions ), go deal with this yourself, we're not going to offer any kind of compensation. 

This was the first time I had seen my friend in over 2 years and you cut our time short! I had to take off leave and you basically made me take leave to not get a flight. I also incurred extra parking, gas and food fees due to this inconvenience. 

I spoke with a XXXX XXXX rep and supervisor around XXXX on XX/XX/XXXX and they are incapable of issuing compensation. 

I spoke with Chase on XX/XX/XXXX and a Chase 's dispute team employee ( a supervisor, XXXX from XXXX XXXX, TX ) mocked me while trying to file a dispute for a delayed flight. I want to report her and I want to get my flight refunded since it was delayed. I felt harassed by her. 

Sincerely, XXXX XXXX Reservation Code : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XXXX XXXX, I XXXX XXXX received a notification from XXXX XXXX  that a new collection is showing on my credit report A negative account with Portfolio Recovery Assoc A collection was added to my credit report, which is damaging my credit On XXXX XXXX I contacted XXXX to get more information on this report. I was informed it was from XXXX from XXXX XXXX XXXX for a total of {$430.00}. At approximately XXXX I called Portfolio Recovery Assoc explaining the information I saw on XXXX. The representative I spoke with attempted to locate my information by the following : Name, DOB, Social security and my Address and she was not able to find any information based on what Ive given her. She than spoke to her supervisor and she was also unable to locate my information. 
On XXXX XXXX at approximately XXXX I contacted the debt collector once again and they do not find me in the system once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: TN

Complaint narrative:
I sent out a for this account being reported on my credit, how it is being reported wrong. I sent it out on XX/XX/2021 and they have not responded at all or fixed 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 2021-09-30 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: TX

Complaint narrative:
There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX  XXXX XXXX, and are reporting two collection accounts with XXXX XXXX  and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
My contract with XXXX was up. I was no longer able to view my account online, and after numerous attempts with customer service, I still could not view my account or see what I was being charged. 
I then switched accounts to XXXX and paid out the remaining days of the billing cycle that actually used the XXXX service. The day I switched to XXXX, I again contacted XXXX to cancel and they said when I ported my number over to XXXX, my account cancelled automatically. 
This amount this company is trying to collect on is for time AFTER my contract was over and cancelled. I DO NOT OWE THIS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: FL

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to XXXX on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a XXXX balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to Lexis Nexis, XXXX, XXXX and XXXX or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This claim is directed to CItibank , N.A . Specifically, I believe that Citi is in violation of its regulatory obligations under Reg E and the EFTA by rejecting a debit card claim that I filed with that institution, even though I provided clear proof of my assertion that the debit card charge at issue was unauthorized. 

Citibank 's Case ID for this matter is XXXX ( debit card ending in XXXX ) Here is the relevant background : In response to my completing an online survey, I was offered a choice of free gifts. I choose a set of XXXX XXXX  to be provided by a company called XXXX XXXX XXXX XXXX ( the " Seller '' ). The Seller sent me an invoice confirming that the only payment involved was one for {$9.00} for shipping and handling. I am in possession of an invoice from the company, dated XX/XX/2021, confirming that the " Item Tota '' for the XXXX XXXX was {$9.00}. Shortly after, I received the merchandise and, shortly after that, on XX/XX/2021, I received another invoice for the same product for {$100.00}. My Citibank account was debited for this amount on the same date. 

This debit is absolutely unauthorized. I never agreed, either verbally or in writing, to purchase merchandise from Seller and this is not a merchant dispute. The actions of Seller are improper and may be evidence of unlawful sales practices. However, what is of greatest concern to me is that a federally chartered financial institution has engaged in conduct in conflict with the provisions of Reg E.

I provided Citi 's debit cards complaint group with copies of all emails between Seller and myself as well as copies of two invoices for the same product, with the {$9.00} invoice clearly confirming that it was the only payment due. As I did not agree to purchase anything from Seller, the transaction was not authorized and, Seller had no right or authority to initiate a debit against my account for {$100.00}. Accordingly, pursuant to the applicable claim review provision of the regulation, my claim for {$100.00} should have been honored.

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 2021-09-30 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: FL

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to XXXX  on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a zero balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to XXXX XXXX, Experian, XXXX and XXXX or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel. 

Please see the attached letter of the certified tracking numbers for letters that was sent out

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 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent out a for this account being reported on my credit, how it is being reported wrong. I sent it out on XX/XX/2021 and they have not responded at all or fixed 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 2021-09-30 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: TN

Complaint narrative:
I sent out a for this account being reported on my credit, how it is being reported wrong. I sent it out on XX/XX/2021 and they have not responded at all or fixed my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: TN

Complaint narrative:
One year ago, fall XXXX, I received a letter saying that my checking account with PNC would be closed if no further action was taken. I called PNC, the customer service agent informed me that she had no idea why I received the letter, and to ignore it, the account would not be closed. 

XX/XX/XXXX I received the same letter. Given the previous my previous experience, I ignored it. XX/XX/XXXX, my checking account was closed without any additional communication. I found out my account was closed due to a failed transaction. 

I called the company and asked for more information, she said that " the company reserves the right to terminate their relationship with a customer at any time. '' They could not even provide us with a tracking number so that we know when we will receive the check in the mail for over {$13000.00} USD. I've been a 15 year customer, with no account issues or problems in the past.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There are 2 public records of Chapter XXXX bankruptcies listed on my credit report. One belongs to myself and the other does not belong to me. 

Case # XXXX does not belong to XXXX XXXX ( legal name ) Case # XXXX does belong to XXXX XXXX ( legal name )

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 2021-09-30 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: OneMain Finance Corporation
State: GA

Complaint narrative:
The following companies have used my credit for hard inquiries and I never allowed them permission to use my information or to run my credit. I have contacted the dealships and told them they need to fix this issue and they did not follow up with me. 




XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Onemain Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
The following companies have used my credit for hard inquiries and I never allowed them permission to use my information or to run my credit. I have contacted the dealships and told them they need to fix this issue and they did not follow up with me. 




XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Regional Acc Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/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 2021-09-30 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Citi Custom Cash is billing me {$790.00} for a transmission/product i never received or are attempting to get me refund from the merchant XXXX XXXX XXXX XXXX. They have failed to reopen the investigation dispute and there customer service is basically ignoring everything i tell them concerning the merchant. I spoke to XXXX XXXX XXXX XXXX by phone asking for a refund because they did not have the transmission as they said they did by phone basically lied to me and ripped me off. They agreed to give me a refund. The merchant XXXX XXXX XXXX XXXX sent me a bogus check CK # XXXX by mail and they later put a stop payment on the check causing me to get a stop payment fee of {$20.00} dollars. My Personal Bank is XXXX XXXX XXXX XXXX. Citi Custom Cash has failed to get me a refund or contact XXXX XXXX XXXX XXXX concerning this problem at this time. They are basically ripping me off just like XXXX XXXX XXXX XXXX. There customer service sounds like they are from another country by phone and are hard to understand .Please look into this Credit Card Company! Citi Custom Cash Card case # XXXX./ PHONE XXXX / XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX. MY CARD ENDING IS 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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I called 2 times and sent a letter to dispute it. Nothing has been updated and no change happen since XXXX of 2021.

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is something Ive been dealing with with over a month all started XX/XX/XXXX when I had a dispute and the card company reported me negatively and I drop my credit 20 whole points it was not supposed to happen Ive been pussyfooting around with us you could see what day it is now and I complain against credit card company and XXXX XXXX and that seem to get fixed pretty quickly but now I have XXXX XXXX  that is dragging its feet your government agency you should be totally on top of this and I keep getting jerked around with the credit card company and nobody seems to be behind the wheel of this massive runaway train we The people call a country

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST METROPOLITAN FINANCIAL SERVICES, INC.
State: MS

Complaint narrative:
I answer call to keep them from annoying other references collected info they want to give me and date to pay. XXXX is in hospital and Ive told them Im making arrangements. Someone has called 5 times since then and say they can sue. Wont change situation but they are now blocked from texting bc they are abusing it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX XXXX XXXX and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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