vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 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: CA

Complaint narrative:
On XX/XX/2020 I made a dispute online with Chase. The dispute was for an airline ticket purchased on XX/XX/2020 with XXXX in the amount of {$2100.00}. The airline canceled my flights and refused to issue a refund. On XX/XX/2020 I received a letter in the mail from Chase Cardmember Serives saying my dispute was resolved and they would rebill my account for the full amount of {$2100.00}. They did not provide any other explanations. I called chase on XX/XX/2020 and a representative told me my case was closed because XXXX XXXX provided the terms and conditions to my flight and they had no obligation to issue a refund. I explained to the Chase rep that those terms and conditions are in violation of the United States of America Department of Transportation 's rules and regulation. They issued an Enforcement Notice on XX/XX/2020 Regarding Refunds by Carriers because so many airlines were violating US Laws. Denying refund requests and limiting passengers to vouchers or credits for future travel breaches the companies contracts of carriage. The U.S. Department of Transportation clearly states that U.S. and foreign airlines remain obligated to provide a prompt refund to passengers for flights to, within, or from the United States when the carrier cancels the passengers scheduled flight and the passenger chooses not to accept the alternative offered by the carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Registered for a prepaid card online at XXXX approx 3 weeks ago, received direct deposit information from XXXX for new account including routing and account number then submitted this information to the IRS online to receive {$1200.00} stimulus payment as direct deposit to my XXXX account. Received prepaid card approx 10 days later, activated successfully online by calling number on the card. 
IRS app " Get my payment '' informed me the payment would be deposited on XX/XX/2020. On that day I called the customer support number on the back of my XXXX Visa Card entered 16 digit card number only to receive message " no valid account '' then was transferred to XXXX agent who informed me the deposit of {$1200.00} was made but she needed to transfer me to another agent for ID verification. I spoke with XXXX who advised she would be asking several questions to verify who I was.She had me verify previous address then asked if I was expecting deposit from government I said ; " Yes '' then suddenly she had technical issues and the system would not allow her to ask any further questions and I would have to mail photo copy of Drivers License and Utility Bill with current address on it. I asked if it could be emailed or faxed she provide that information which I submitted by email to XXXX 
The following morning I called to verify funds and same message. Spoke with Supervisor by phone who verified email with proof of ID was received. She then informed me that account was closed as I broke the terms and conditions and said go to website and look under Closure section. Would not provide any more details and said they would mail me a check within 4 to 10 weeks. I did nothing wrong and provided all documentation they asked for, this is my stimulus payment and I can't afford to wait 10 weeks to get the government intended help I have rent and bills I need to pay! Please advise, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Clark County Collection Service
State: NV

Complaint narrative:
I have tryed correction this numerous times with XXXX and Clark county collection service with no luck, well this proof that im sending should clear things up. The account which was originally from XXXX XXXX has reached its statute of limitations and should show the account as closed, and it still shows as an open account. Im aware that it will still show up on my credit file, but it should show as closed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCE CORPORATION
State: NC

Complaint narrative:
The name of the company is one main financial. In XXXX, NC. I got a personal loan from them many times, over the past couple of years. I entered into a debt management credit counseling program and they agreed to lower the interest rate. I came out of the credit counseling program, sent them proof, checked my credit report, it's showing as past due on XXXX and on XXXX  they still have me as part of the credit counseling program, after Ive sent them proof that I was no longer under it. This is hurting my credit honestly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA RESOLVES FRAUD BY CONFIRMING IT DID NOT EXSIST.!!! See attatched USAA letters VERIFY USAA CREDIT CARD FRAUD CHARGES ***** If you still believe these charges to be fraudulent NO FURTHER ACTION IS NEED and We Will Continue to pursue this claim as fraud on your behalf**** of XX/XX/XXXX, {$49.00} XX/XX/XXXX, {$10.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, {$12.00} XXXX & XX/XX/XXXX {$12.00} ( **USAA HAS NEVER PROVIDED CREDITS I ASKED FOR A REVIEW AND USAA SAYS DID NOT HAPPEN*** ). see attatched XX/XX/XXXX REVIEW OF YOUR FRAUD CLAIM IS COMPLETE *** No FRAUDLENT Activity Found After Review of Your Claim. ***??? How can there be No Fraudulent Activity when LETTERS XXXX XXXX ARE OF FRAUD TRANSACTIONS NEVER RESOLVED BY USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have submitted 4 letters now to Transunion as well as XXXX  to dispute 17 hard inquires on my credit report. They have not removed them and it has prevented me from getting a loan that is needed for some home repairs. This has been going on for at least 6 months now. I was successful at getting the disputes removed from XXXX. I can provide the letter that I have sent to the credit companies if needed. They are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Why has this been so difficult.

Sincerely XXXXXXXX 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 2020-05-22 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 am filing this report because today XX/XX/2020 I discovered two accounts on my credit report that do not belong to me. The only reason why I even looked at my credit today is because I was going to ask for a credit line increase for one of my credit cards and I wanted to make sure they would approve the credit increase. The account names are XXXX XXXX XXXX XXXX XXXX XXXX. I have no relationship, contract or agreement with either of these companies and I did not give them permission to run or access my credit. At this time I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: NJ

Complaint narrative:
During the last six months or more. I have notified ( via letter ( s ) the 3 Credit Reporting Agencies about inaccurate or illegal information being reported on my credit report. To date I only get from the agencies that the information is accurate.I recently applied for a loan ( XX/XX/XXXX ) and XX/XX/XXXX, when the Credit Union stated that information on the report was being reported. I did in fact state to the Credit Union Manager that the information was in fact incorrect and  based upon my understanding of what is applied via the law and states. The Debt collectors tactic of attempting to collect a debt that has been filed as a loss, and the company having filed for that loss with the company, can not collect a debt of that nature, as well as the fact that I as the debtor have no obligation to pay any monies to the collection agency, when there is no contractual agreement of obligation to that debt collector. 
I have sent approximately 6 letter to the credit bureau agencies, and all have refused to comply with my request for removal of the collection agency reporting to the agencies any such inaccurate information. ( Equifax, XXXX, XXXX  ). 
Should the information that I have obtained be the ruling factor, via state law, rule regulation, I request your assistance in rectifying this information as soon as possible thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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 am filing this report because today XX/XX/2020 I discovered two accounts on my credit report that do not belong to me. The only reason why I even looked at my credit today is because I was going to ask for a credit line increase for one of my credit cards and I wanted to make sure they would approve the credit increase. The  account names are XXXX XXXX XXXX XXXX XXXX XXXX. I have no relationship, contract or agreement with either of these companies and I did not give them permission to run or access my credit. At this time I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I have filed this report to the best of my knowledge.

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 2020-05-22 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 am filing this report because today XX/XX/2020 I discovered two accounts on my credit report that do not belong to me. The only reason why I even looked at my credit today is because I was going to ask for a credit line increase for one of my credit cards and I wanted to make sure they would approve the credit increase. The account names are XXXX XXXX XXXX XXXX XXXX XXXX. I have no relationship, contract or agreement with either of these companies and I did not give them permission to run or access my credit. At this time I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I have filed this report to the best of my knowledge.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Inquiries 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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX/XXXX, XXXX, XXXX/XXXX, XXXX   XXXX/XXXX  XXXX, XXXX/XXXX, XXXX/XXXX, XXXX  XXXX   XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries 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 2020-05-23 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: CORELOGIC INC
State: FL

Complaint narrative:
This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT.

WITHOUT : Permissible purpose from the creditor.

Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 

A DELETION OF THIS INQUIRY FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: Home Loan Center, Inc.
State: WA

Complaint narrative:
I am reporting deceptive business practices in regards to viewing mortgage loan rates/offers on Lending Tree. 

On XX/XX/2020 I used Lending Tree to check current mortgage loan rates. Their website clearly stated " Don't worry, this loan request will not affect your credit score. '' immediately below their " View my offers '' button. ( See attached screenshot. ) On XX/XX/2020 a hard pull was made on my credit and my credit score went down by 6 points. I contacted Lending Tree via their website. Their reply was a wall of legal jargon. According to them, their fine print contradicts what is clearly stated just below the button that is used to submit your request on their website. 

It is extremely deceptive to clearly state " Don't worry, this loan request will not affect your credit score. '' and then have no intention of making this the case and apparently have other contradictory language buried in fine print and legal mumbo jumbo. 

Their intention is to obfuscate what they are actually doing in regards to whether the credit pull is a hard pull or a soft pull. Without the statement " Don't worry, this loan request will not affect your credit score. '' I would not have clicked the button above it to initiate use of this service to check on current mortgage rates. I did not want to have a hard pull on my credit, which always has an affect on your credit score and stays on your credit report for 2 years. Very deceptive company practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: CA

Complaint narrative:
I mailed out a Deletion Letter to XXXX  and Equifax in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) for XXXX/XXXX  via account number XXXX. I provided all my necessary personal identification to verify the account. XXXX  responded with the account being accurate based on the e-oscar system, and Equifax did not respond within 30 days. XXXX   did not call or mail for questions to the creditor. My tri-merge credit report does not show a correspondence address or a working number. The contact number showing on my report brings you to an automated line that does not connect you to a live person to report a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I do not recall ever opening these accounts. My military service began in XXXX, so I was not attending college : XXXX XXXX XXXX opened on XX/XX/XXXX, last active on XX/XX/XXXX. {$45000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX, {$23000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX {$22000.00} These accounts are old, so I would like to have them removed from my credit report : XXXX XXXX XXXX/XXXX : Opened in XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX   XXXX/XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX/XXXX  XXXX : Opened on XX/XX/XXXX, last active XX/XX/XXXX XXXX/XXXX : Opened on XX/XX/XXXX, last active XX/XX/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 2020-05-23 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in onXX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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 REVIEWED MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE.THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT FILE. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.

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