vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I bought a flight from XXXX, XXXX to XXXX, Georgia on XXXX XXXX with my chase sapphire preferred credit card. On the date of my departure, XX/XX/XXXX, my flight was delayed over 13 hours due to a mechanical failure of the plane. This caused me to land in XXXX at XXXX on XX/XX/XXXX instead of landing at XXXX. I had planned to drive back to my hometown, but was forced to spend the night in XXXX due to the delay. 
The chase sapphire card says that it will cover up to {$500.00} per night for delayed trips over 13 hours due to a mechanical failure of the plane. 
Chase is refusing to cover my hotel because the hotel was used the night after the delay rather than the night before. I was forced to stay in XXXX for the safety of drivers on the interstate due to the delay of my flight. 

It was very difficult to pay for a hotel after XXXX ( most hotel 's booking systems would not allow us to pay for a room. ) After being turned away from three other hotels, I found a room at the XXXX XXXX  on XXXX XXXX XXXX XXXX for {$350.00} on XXXX at XXXX XXXX. Chase requested various documents for 8 months before telling me that they wouldn't pay for the hotel. I have been talking to chase bank and XXXX ( their third party claim fulfillment company ) since XX/XX/XXXX. Today is XX/XX/XXXX and they have officially told me that they will not pay for the hotel. My eclaimsline claim number was : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There were three fraudulent transactions made on my Chase business debit card on XX/XX/XXXX. One from XXXX for {$79.00}, one from XXXX for {$160.00}, and one from XXXX in the amount of {$220.00}. When I noticed the charges through my online bank profile, I immediately called Chase to notify them of the fraudulent charges and they canceled my card and issued me a new one, and they credited back the charges. 

Today, XX/XX/XXXX, I noticed that Chase reversed the XXXX credit of {$220.00} and charged my account. I immediately called them and they told me that the information they received from XXXX matched in reference to my name and billing address and that's what they used to seem that the transaction was valid. 

I did not make the transaction. I never received an email confirmation of the order because I never made the purchase. Also, the order was shipped to XXXX, CA and I live in XXXX, CA. 

I called XXXX and spoke to customer service to obtain more details on the order on reference to the information provided ( name, address, email address, phone number, etc. ) and they could not provide me with any information. They did file a claim for me and I received an email stating that they had already given my bank supporting documentation and if I wanted more documentation I would have to subpoena it from them. 

Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05 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: TX

Complaint narrative:
I used my Citi DoubleCash credit card to purchase tickets from XXXX on XX/XX/XXXX in the amount {$890.00} to the XXXX XXXX XXXX XXXX in XXXX Texas ( billed as XXXX XXXX XXXX XXXX CA ). The event took place on XX/XX/XXXX. 

Upon arriving at the venue and proceeding to my seats I found that they were obstructed by on overhead seating section overhang, and by a large support beam directly in front of the seats. I was not able to view the game. 

I contacted XXXX and they said that all sales are final and they do not give refunds. 

I opened a dispute with Citibank and they proceeded to close the investigation without obtaining any further evidence from the merchant. I mailed them evidence of my purchase and the seating obstructions which were not listed in the sale. I included an email receipt, the seating map provided by XXXX, and photographs of the obstructions from the seats. 

After submitting this evidence, Citibank responded that We are unable to proceed with this dispute because you accepted and used the service after learning that the accommodations were not what you originally agreed upon. While we can understand your desire to obtain a credit to your account, we can not mandate that the merchant issue a credit. Our investigation remains closed. 

I do not accept that the service/goos were delivered as agreed when I purchased then. It is not possible to know that my seats were obstructed and therefor not what I originally agreed upon until after I had entered the venue to take my seats. I do not accept that there is no recourse that Citibank can take on my behalf. 

Please help me resolve this issue by insisting that Citibank reopen the dispute and request a chargeback to XXXX for the goods/services that were not as agreed upon. 

Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Since the end of XXXX and early XXXX I have periodically received notices of collection attempts from XXXX through various agencies. Each time I have disputed the information with XXXX, through the credit bureaus, and to the collection agency. The account which XXXX has sent to collections never belonged to me and they confirmed that. It is still unclear how my social security number was attached to the account in question but the name on the account and the address associated with it was entirely unrelated to me. 
While I did use XXXX 's services in the past, I have proof that all accounts were closed at my request and entirely paid in full. I have not used XXXX since XX/XX/XXXX/XX/XX/XXXX. 
The collection mark has been removed and then re-placed multiple times resulting in drastic swings in my credit score as well as causing me hours of repetitive work fighting to remove the derogatory mark off of my credit report. 

Please contact for further details and proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: CA

Complaint narrative:
I check my credit report and I found fraudulent accounts not belongs to me please removed 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 2020-02-05 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: EQUIFAX, INC.
State: DE

Complaint narrative:
There is an unauthorized inquiry made by XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX. Made several phone calls and filed and official dispute. Advised to call to creditor who has no record of inquiry. Bureaus refuses to remove inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: CA

Complaint narrative:
I check my credit report and I found fraudulent accounts not belongs to me please removed 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 explanation
Consumer complaint received 2020-02-05 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 check my credit report and I found fraudulent accounts not belongs to me please removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Used XXXX to transfer funds from Wells Fargo bank account to another Wells Fargo account to pay rent on XX/XX/2019 for {$500.00}. The person I was transferring funds to did not receive funds. Contacted Wells Fargo and filed complaint. They informed me that they could not help me and closed complaint because XXXX is not affiliated with them. They do advertise and encourage it on their website to pay bills with. Disappointed that they would not assist in getting funds back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
There is an unauthorized inquiry made by XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX. Made several phone calls and filed and official dispute. Advised to call to creditor who has no record of inquiry. Bureaus refuses to remove inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: DE

Complaint narrative:
There is an unauthorized inquiry made by XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX. Made several phone calls and filed and official dispute. Advised to call to creditor who has no record of inquiry. Bureaus refuses to remove inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 




1. USDOE/XXXX  Account Number : XXXX 2.XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed items is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: TX

Complaint narrative:
On XX/XX/2020, I reviewed my Uniform Residential Loan Application over the phone with my loan officer, XXXX XXXX. During this phone conversation, we had a conversation that explicitly and unequivocally confirmed my occupation as a XXXX XXXX, which XXXX made sure was accurately written on two different places on my application ( bottom of page one, and top of page two ). I proceeded to review the final draft of the application and then sign it, indicating I agreed with all of the information on it and that there were no errors. 

KeyBank ( XXXX XXXX ) then offered me rate of 2.625 % / APR 2.733 %, which I locked on XX/XX/XXXX. They issued me a loan estimate to reflect the lock-in. Four days after the lock-in, on XX/XX/XXXX, my loan officer XXXX XXXX called me to say he was very sorry, but he would have to increase the rate they were offering me, despite the fact that I had signed a lock-in. 

XXXX XXXX XXXX reasoning was that the rate he offered me was based on him mistakenly looking at rates offered to a DIFFERENT professional occupation from my own. This is despite the fact that my signed, finalized copy of the Uniform Residential Loan Application explicitly and unequivocally states my occupation, and does not anywhere state that I work in the DIFFERENT professional occupation he mistakenly believed I was in. 

Again, this is the finalized copy of the Uniform Residential Loan Application which he and I went over line by line together, and which I signed and confirmed to be accurate before I was offered the rate I locked in. I believe KeyBank and XXXX XXXX are breaking the TILA and therefore the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently tried to establish an online account with MyEquifax.com to review, request and use the services of that site. My wife and I had just previously signed up for the fraud protection service in reference to the Equifax breach. We successfully did that process. After that I went online and completed the MyEquifax registration but the system would not complete the process and a popup told me to call in. I did that and the representative told me that she could not help but would expedite my account registration. On a side note, my wife also signed up for an account and was prompted that she would receive a code to further complete the process. After 41 years of marriage and using the same info a lot she accidentally used my email for her sign up and this cause the system to lock our accounts permanently because of like information on two accounts. She received her code but was not able to log on. I did call again after not hearing back and another rep told me the same story, so after another wait I found the fraud department line and called it. After the verification process the rep told me that because some of the same information was used for both accounts that we would be permanently barred from a MyEquifax account with no recourse. With everything online now this will limit our abilities to access our information for an honest mistake. They can see that we didn't gain access and we have verified ourselves to death but would gladly provide more to fix this. Ironically we immediately went to the Equifax.com Lock and Alert page and signed up for that service so it seems our information was not locked down. We are glad to have this service but would like to have the MyEquifax account also. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
You will see in my attachment I have no way to verify who or what this debt even is reporting on equifax. What I know for FACT is I owe no medical debt in any way shape or form. 

This account needs to be removed as its not accuracy. It provides nothing in the way of a contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 




1. USDOE/XXXX Account Number : XXXX 2.XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed items is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading 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 explanation
Consumer complaint received 2020-02-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 




1. USDOE/XXXX Account Number : XXXX 2.XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed items is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading 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 explanation
Consumer complaint received 2020-02-05 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: CORELOGIC INC
State: FL

Complaint narrative:
I did open/close this account. 
Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
There is a charge on my credit report for XXXX, XXXX, and XXXX. This debt of XXXX does not belong to me. During this time frame the account was opened someone broke into my mailbox. I have been a victim of identity theft. Please advise these companies to provide proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, I and am requesting this debt be removed immediately. I am writing to request that XXXX, XXXX, and XXXX  to provided the following information : 1. Please provide evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please provide evidence your authorization to do business or operate in this state. 5. Please provide evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
. I am requested this debt be removed because this debt does not belong to me.

Company response to consumer: Closed with explanation