vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
In early XXXX, I applied for the " Amazon Rewards Visa Signature Card '' through Chase/Amazon . I applied as a non-prime member, so the sign-on bonus was a {$60.00} amazon gift card. Soon after this application was submitted on my end, I became a prime member and was thus eligible for the {$150.00} welcome bonus on the " Amazon PRIME Rewards Visa Signature Card ''. On XX/XX/222, I contacted Chase to give them more details on my original Amazon Rewards Visa application. During this application process, I did tell them that I was now a prime member. On XX/XX/XXXX, I received an email that the application was submitted for the Amazon Rewards Visa and that I was given my {$60.00} gift card. Upon looking at my Amazon and Chase accounts, the Amazon Rewards Visa was not present, but the Amazon PRIME Rewards Visa was. Since I did not apply for the Prime Rewards Visa, I contacted Chase to explain that I did not apply for the Prime Rewards Visa, and that if they submitted my application for that card instead of the Amazon Rewards Visa, then I should be given the {$150.00} welcome bonus instead of the {$60.00}. The rep and a supervisor insisted that I did apply for the Amazon Rewards Visa, and not the Prime Rewards, but still am uneligible for the {$150.00} bonus. After this, no further action was done on my end. On XX/XX/XXXX, I received an email congratulating me on my Prime Rewards Card. On XX/XX/XXXX I checked my mail to see I had received BOTH cards. 

I see two scenarios that should have occurred. A ) I applied for the Amazon Rewards Card and should have received it and the {$60.00} or B ) My application would have been automatically " upgraded '' to prime since I became a prime member, and I should have received a Prime Rewards Card. Instead, somehow I got both cards without my permission and received the lower of the two welcome offers.

In the end, if I am an Amazon Prime member, I should receive the full benefits of the Prime Rewards Card including the welcome offer. I NEVER submitted two applications, and I never consented to an upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I called the XXXX XXXX XXXX XXXX on XX/XX/2022 to make a reservation for XX/XX/2022 under a wedding block. The reservation had to be made over the phone because their website does not support wedding block discounts. After making the reservation, I did not receive a confirmation email ( after speaking to other guests at the wedding, no one received a confirmation email ) and had to call back twice before actually receiving an email with a confirmation number on XX/XX/2022. There are no other details included in this email. On XX/XX/2022, XXXX charged my credit card for the room. On XX/XX/2022 when attempting to check in for my reservation, the hotel claimed they had nothing on file. I presented the email confirmation number as well as the charge. The front desk attendant explained that they would not charge for a room until after the stay and that the confirmation number was not in the format the hotel uses. She guaranteed me a refund for the initial transaction. She provided this guarantee on XX/XX/XXXX at check in and again on XX/XX/XXXX at check out. ( There are multiple witnesses to these conversations. ) I began calling the hotel daily for two weeks post checkout. The manager claims that I was a no show in XXXX. There are transactions posted in XXXX on this same credit card in Virginia. Chase authorized a fraudulent transaction for a service I did not agree to. I filed a claim with Chase at the end of XXXX. I filed a complaint with the XXXX XXXX XXXX Both Chase and the XXXX  sent responses saying they could not reach the hotel. Chase reversed the reimbursement. I immediately called Chase and asked for the evidence they collected from the hotel. They could not provide anything. A representative recommended I report it as fraud. On XX/XX/2022 I received a call from Chase saying they could not reach the hotel and had been attempting to for weeks. This representative stated the charge would not be put back on my account. On XX/XX/2022 I noticed the charge was back on my account. I called Chase to file a complaint, giving the details above for the XXXX time. I have proof that I was not in XXXX, Washington in XXXX. Chase is siding with a merchant who has no valid documentation of a no-show because that reservation was never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: NY

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

Account name : XXXX  XXXX, Account # : XXXX Account name : # XXXX XXXXXXXX XXXX Account # : XXXX Account name : # XXXX XXXX XXXX XXXX, Account # : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX, Account # : XXXX Account name : # XXXX XXXX XXXX. Account # : XXXX Account name : # XXXX XXXX XXXX XXXX, Account # : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
15 USC 1681b Permissible Purpose AD Astra Recovery Services Inc failed to provide signed copies of agreement between all parties. 

AD Astra Recovery Services Inc is not licensed in Virginia to collection debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: FL

Complaint narrative:
I have tried to fix this issue on several occasions as I was told by all 3 consumer agencies that they do not handle inquiries and I have to do them on my own, but again, they are suppose to make sure everything on my credit report is indeed 100 % accurate and they have once again failed me. I have sent numerous dispute letters as well. 

Violations Under FCRA 15 U.S. Code 1681s-2-15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) and ( the inquires shall be removed under this code ) Also section 1681o ( a ) ( 5 ) a consumer Reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transactions that is not initiated by a consumer Under 15 US Code 1681n ( b ) Civil liability of a natural person Ive been violated! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-26 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: FL

Complaint narrative:
I have tried to fix this issue on several occasions as I was told by all 3 consumer agencies that they do not handle inquiries and I have to do them on my own, but again, they are suppose to make sure everything on my credit report is indeed 100 % accurate and they have once again failed me. I have sent numerous dispute letters as well. 

Violations Under FCRA 15 U.S. Code 1681s-2-15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) and ( the inquires shall be removed under this code ) Also section 1681o ( a ) ( 5 ) a consumer Reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transactions that is not initiated by a consumer Under 15 US Code 1681n ( b ) Civil liability of a natural person Ive been violated! 

Equifax inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
my wife XXXX XXXX has a checking account with wells fargo, she told me this malignant bank ripped her off with absurd overdraft fees with money still in her account? This is NOT hard to comprehend knowing what scumbags run this bank?

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 2022-12-26 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 — Problem with personal statement of dispute
Company: Receivable Management Group, Inc. (GA)
State: NC

Complaint narrative:
I have contacted them several times trying to submit insurance information for this bill and they refuse to accept my information. I gave my information when I was admitted to the hospital and I can't help if the didn't properly file my 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 2022-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NH

Complaint narrative:
I paid off my vehicle loan in full with westlake financial services. This payment was received by them on XX/XX/2022. I was told there was a 45 day reporting period for this to be reflected on my credit report, on day 49 it was not reflected. I called the company and they are now claiming 90 days to report. This is on top of a previous illegal repossession and illegal interest rate.

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 2022-12-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I havent paid a XXXX loan since XXXX, i was in XXXX school deferment until XXXX. 

I could not pay in XXXX since I was still in XXXX  school ( they did not offer any options despite covid and me being unemployed in XXXX due to graduate school demands and pandemic job loss. 

They refused to talk to me, no one at XXXX would speak to me. 

My cosigner claimed a XXXX XXXX XXXXXXXX, and then XXXX said my loan was written off ( via credit report ). But they refused to speak to me. 

I got a lawyer and filed a XXXX XXXX this past summer ( XX/XX/XXXX ). XXXX showed up as written off then, due to XXXX XXXX. But they still refused to speak with me, and would not tell me anything. 

My credit score just dropped XXXX points because XXXX showed up again and changed the remark from XXXX XXXX to written off as bad debt. 

I want to dispute this. Its not fair, they wouldnt give me my status of loan at all over the years, probably avoiding the statue of limitations ( 4 years for private student loans. ) and they already reported written off once, and now I take another hit as Im repairing my credit score.

At one point they transferred me to the XXXX XXXX, but people Would answer the phone and say they were from a training company and had no affiliation with XXXX ( really bizarre ). 

I want them to leave me alone, take this bogus knock off my credit report and give me a letter with information about the loan, the statute of limitations, etc.

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 2022-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Collectors International, Inc.
State: AZ

Complaint narrative:
PLEASE HANDLE THIS COMPANY, THEY ARE VERY RUDE & HUNG UP THE PHONE ON ME. AND LIE EVERYTIME. THEY DO NOT NEED TO BE IN BUSINESS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: NV

Complaint narrative:
I opened an account with Upgrade for a cash back card in roughly XXXX of XXXX After using it a month I realized it was not a traditional unsecured card with a grace period on purchases but a charge card that charged interest as soon as a charge was made. As I had not interest in this type of account I paid it off and sent an email to try to close the account. They responded that I had to call to close the account. I did so for the first time in XXXX of XXXX. Since then I have been receiving monthly card statements ( always for {$0.00} ) about my account. Each time I log into my account online it shows as active. I have since called two more times to close the account and, just like the first time, have been ensured each time that the account has finally been closed. Each call has taken well over an hour as the company will put me on hold, transfer the call, and disconnect so I have to call back. I have just received another email and verified my account is still active, over a year after I first tried to close the account. I want this resolved as I do not trust the company and feel it is a security risk to continue to have a financial relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-26 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-26 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:
XX/XX/XXXX has yet shown any competent evidence bearing any signatures that I do in fact have or ever had contractual obligation to PAY THEM! I do not owe XXXX XXXX XXXX any alleged debt and this is a violation of the Fair Credit Collection Practice Act FDCPA 807 [ 15 USC 1962e ] ; all credit reporting agencies delete entry! 

XXXX - consumer collection service alleged {$86.00} Experian- consumer collection service for alleged {$86.00} ; alleged {$820.00}XX/XX/XXXX- XXXX collection service for alleged {$86.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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