vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 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:
I made an extended warranty claim with Chase XXXX XXXX XXXX warranty company XXXX for a XXXX laptop  repair. 
I charged {$300.00} for the remaining balance when purchasing the laptop. Which XXXX XXXX XXXX said is fine. 
XXXX XXXX XXXX had me send my laptop to XXXX 's service center in New Jersey to get a diagnostic for the laptop. I am in California, so shipping with insurance across the country was expensive. 
The diagnostics billed was {$710.00} for a screen, battery, labor, and shipping back to me. 
XXXX XXXX XXXX had me upload the manufacturers warranty, sales receipt, credit card statement, repair invoice. 
All these interactions took XXXX XXXX XXXX days to get back each time one was uploaded. 
Which I think was intentional to frustrate card holders from making claims. 
Then XXXX XXXX XXXX came back and asked for more documents, now asking for a replacement receipt and cost of a new like replacement laptop cost. 
I do not hear back from them for days. I finally called because I had to heard back from them regarding my case. 
I called and talked to multiple agents, and they said if I could get XXXX to send a statement saying the laptop is not worth fixing due to its age, then they would move forward with a new laptop similar to my laptop old laptop. 
I contacted XXXX XXXX support via live chat and the tech suggested because of the cost of repair, I should just buy a new laptop if that was an option. Because it is a new laptop. 
So, I sent the chat to XXXX XXXX XXXX  and instead of them taking days to look at the information, this time they issued a response immediately that they are only going to pay {$300.00} and not the repair bill for {$710.00}. 
So, XXXX XXXX XXXX  tricked me and frauded me by telling me to request a statement from XXXX to say the laptop is not worth repairing, because they did not want to pay the repair bill. 
Multiple XXXX XXXX XXXX  agents straight up lied when they said the statement from XXXX would result in XXXX XXXX XXXX getting me a new laptop. 
So now I am on the hook for the remaining repair bill because XXXX XXXX XXXX decided to commit fraud to get out of paying for the laptop repair. 
I contacted Chase and they took a report but claim XXXX XXXX XXXX is a separate company and they can not do anything. Even though chase hired this company to manage its customer extended warranties claims. 

They are so dishonest. I told them I would report them and they told me " Who Cares, Report Us ''. They record all calls when calling to their customer service line. 

Also this dishonest company makes it hard to find its physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
hi i have an apple card which is run by Goldman sach company. they charged me {$75.00} interest even if i paid on time. they always say a supervisor will help you but no one comes to the phone and then they say they will call you no one reached out to me they make false promises of supervisors who dont realy exist. if they do, why did they reach out to me? 

then i canceled subscription and i told them but they still charging me for that subscription. 

XX/XX/XXXX they charged me {$74.00} that did not get resolved after making many calls and i paid on time. they charged me for XXXX  XX/XX/XXXX that i already canceled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
( 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 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 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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
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 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 2022-08-15 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: NV

Complaint narrative:
last month on the XXXX, i sent out letters to all three credit bureaus in regards to inquires i did not authorize or have any acknowledge of. I was appling through a first home owners program a few months back and thats when i was denied. when i requested my credit report i found over 16 inquiries on my report. XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ). IN return the credit bureaus stated that my request for deletion could not be completed due behind my letters looking like they were sent from a credit agency on my behalf which i clearly sent these letters myself. i was also told by the bureeaus to write a letter disputing the inquries and a complaint from the CFPB, FTC OR POLICE REPORT along with providing a copy of the CFPB complaint with a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people i spoke with also. As of today XX/XX/XXXX, i have gotten no updates or satisfaction so on XX/XX/XXXX i will repeat the same process again to all three credit bureaus

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 2022-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have had a Capital One Platinum card since XX/XX/XXXX. In XX/XX/XXXX, I applied for and received a Capital One Quicksilver card. Beginning in XX/XX/XXXX, the Quicksilver card information was stolen and I was forced to request a replacement. Over the course of the following four months, it was stolen an additional six times, on one notable occasion while the card was still in the mail on the way to me, before it had been activated. If possible, I would like the damage to my credit rating incurred by this incident repaired, and my ability to secure a card with a more reliable, competent credit provider restored. 

Sequence of events as follows : XXXX XXXX - XX/XX/XXXX {$54.00} of fraudulent charges across 5 instances and 3 vendors. Capital One provided purchase adjustments and issued a new card. 

XX/XX/XXXX - XX/XX/XXXX {$17.00} of fraudulent charges across 2 instances and 2 vendors. Capital One provided purchase adjustments and issued a new card. 

XX/XX/XXXX - XX/XX/XXXX {$16.00} of fraudulent charges, 1 instance. Capital One provided purchase adjustments and issued a new card. 

XX/XX/XXXX - XX/XX/XXXX {$540.00} of fraudulent charges, 1 instance. Capital One provided a purchase adjustment then closed not only this account, but my other account which did not have chain-theft problems as well.

3 other instances of card theft occurred but were caught before charges posted, and are not displayed in my account history. Business and websites that fraudulent charges were made to as well as exact dates are available on request.

Capital One was able to provide no insight or assistance as to how the thefts were happening so frequently or quickly, but having a card stolen before I had even received it leads me to believe that the problem was on their end, not mine.

While Capital One has been willing to reverse the fraudulent charges incurred on my account, they recently cancelled both my Quicksilver and my Platinum cards without explanation or warning, and the hit to my credit rating has caused me to be rejected when applying for a new card elsewhere. While I certainly will not be providing Capital One with my business in the future, the inability to seek a new, more competent credit company is causing me considerable difficulty. Any assistance with credit rating repair and ability to acquire a card with a less compromised credit provider would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: WI

Complaint narrative:
Cavalry Portfolio Servic is reporting that I owe {$3500.00} to XXXX. I called XXXX, who I never had an account with and tried to find out what was going on. XXXX checked their system using my SSN and verified that I have never had any accounts or credit cards with them, and that I don't owe them anything. XXXX said that they can not send me anything proving this information because I do not have an account with them. I tried writing a letter to XXXX as they requested, and there telling me that the letters have not been received. I called XXXX to figure out what I needed to do, and they told me to contact you. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I keep receiving emails from Bank of America saying congratulations on opening your new account

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 2022-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VW Credit
State: KY

Complaint narrative:
My husband is a XXXX XXXX XXXX who is currently XXXX. Vw Credit financial has denied my husband and I our SCRA rights and have threatened to repossess our vehicle since we fell on hard times during his XXXX. They do not have a SCRA department or reposession department that we are able to get in touch with and has been giving us the run around. They know about the SCRA law, because they have been asking us to voluntarily surrender the vehicle instead of coming to take it ( since we live on the XXXX XXXXXXXX XXXX XXXX ). They are denying a court order as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
So I moved in a XXXX XXXX XX/XX/XXXX I fulfilled my lease and and stay for about XXXX years so it was getting close to time for me to renew my lease but I informed my office that I had feel very ill due to XXXX and I will not be renewing my lease so, so in about XXXX or so of XXXX when my lease was coming to a end my now fianc had us a house and so I started moving but stuff from my unit slowly because I did not have to be out of the unit so XXXX day i arrived home and my carpet was tore up with XXXX in my sink no call or letter from office as to why my unit was accessed so when i finally spoke with XXXX she stated oh there was leak and mantaince had to come in so i inofrmed her i am ok with them coming in but as far as place trash in my kitchen sink that is nasty and why would they leave it there so she apologized XXXX times nobody still never removed the carpet and trash out so i at this point am just ready to move so i continued slowly moving my things i also continued paying my portion of rent and housing paying the remainder so i emailed XXXX and asked her how much was last month of rent and she stated prorated is XXXX so i paid my XXXX month turned my keys took pics and did my walk thru now here it is XXXX years letter and i get a bill from XXXX XXXX XXXX XXXX stating i owe and balance of XXXX i reached out to creditor who by the way was very rude so and i also tried talking with nanacy but at this point im livid bc why do i have a balance if i am on housing and have emails that stated my move out was perfect i owe no balance and nobody can tell me why and this is now affecting my life and i need this corected immediately because i do not play about my credit and its damaging my life at this point especially when no one can give me a dirrect answer also might i add i also emailed the coporate office over the apts as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am reaching out in hopes that you are able to assist me in getting my money back from a scammer. On Friday XXXX XXXX, I sent {$240.00} via Zelle to a seller named XXXX XXXX XXXX XXXX ) for a jumpsuit I was purchasing from her on the popular ecommerce website called XXXX. I found her listing on there and after several back and forth bargaining she said she'd accept my offer if we did the transaction directly to avoid the 20 % seller fee from XXXX. After the payment and several follow-ups, I have not received any tracking information or updates. She stopped responding and has blocked me on XXXX. I've reported this incident to XXXX, Zelle and XXXX, but none of them are able to help me get my funds back, so I would very much appreciate it if you can assist in any way. 

The scammer 's Zelle account is under her phone number XXXX, and XXXX XXXX was the name she gave me. I also know that she lives in the west coast from our chats. 

Please let me know if there is any additional information or details needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: TX

Complaint narrative:
I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed and verified, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX I've never had an account with this company. The balance that is reporting on my credit report is not the correct balance that I have with the original creditor. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report. I have attached a screenshot of my credit report where it was updated stating that it was verified yet no sufficient documentation has been sent to me. It has been well over 60 days. Please remove this from 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 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX bank was the original creditor. XXXX XXXXXXXX bank charged my account off XX/XX/XXXX. LVNv bought the account in XX/XX/XXXX. I filed a dispute with all 3 credit bureaus in XXXX of XXXX. In response XXXX  XXXX bank was removed from all 3 credit reports. XXXXXXXX XXXX XXXX received full balance owed to them of XXXX XX/XX/XXXX. At my request the account was suppose to close. I was told once my payment processed it would close. XX/XX/XXXX I tried to log in XXXX XXXX XXXX website and couldnt. I assumed the account was fully closed. XX/XX/XXXX I checked my credit report and seen I had an outstanding balance with XXXX XXXX XXXX. I called them. Me and the representative went over the charges. I disputed 5 charges ranging from {$60.00} to XXXX dollars. XXXX  XXXXXXXX XXXX told me that it would take 60 days to investigate. I called them XX/XX/XXXX to get an update. The representative told me that no dispute was filed. He assured me he would file the dispute for me on XXXX XXXX and was told it could take up to 60 days. I called them XXXX XXXX and was told that the account was closed with XXXX balance, only to find out they sold the account with positive balance to LVNV without investigating my disputes. Now LVNV believes I owe them {$1700.00}. Ive requested statements from LVNV and they refuse to send them. They claim they only have the last months statement. Which only shows the current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
At XXXX on XX/XX/2022, I purchased a Vanilla Visa gift card in the amount of {$300.00} at a XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX. I immediately called the gift cards customer service number to activate the card but was told by an automated message that the retailer puts a XXXX hour hold on gift cards. I waited another couple hours before attempting to activate the card on XXXX website. At this point, I was told the balance of the card was {$0.00} as the entire amount had already been spent at XXXX at XXXX - the exact moment the funds became available for use. I called the Vanilla customer service number and was told I had to wait 72 hours for the purchase to go through as it was still only a pending charge, before I could file a dispute. On XX/XX/XXXX, I called back and was given a case number - # XXXX - and told I would be receiving an email from the company shortly. I was also told that if XXXX XXXX heard back within 10 business days, to email this address - XXXX. This weekend I sent an email to the above address but did not receive a response so I called the customer service line again. At this point I was told the last agent I spoke with had added an additional m to XXXX in my email which is why I never received an email. I was also told this email would contain a dispute letter I would need to fill out then wait another 10 business days before attempting to contact the dispute department. I was told I would receive an email shortly, which I have still not received and I simply can not afford to continue waiting for this company to reload the card or send me a new card. I have researched this issue and have found many stories exactly like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX l took a look at my credit report and noticed a collection account was fraudulently reporting on my personal credit report. 

I immediately called XXXX to let them know that this identity theft collection account " '' Att U Verse / I.C. System INC ... is a fraudulent account n it does not belong to me. 

The company I.C. System INC. Has fraudulently given XXXX wrong information about an account that l never had. It's fraud. 

This fraudulent collection account is sitting on my report and ruining my good name... and l want it removed please because it does not belong to me. 

XXXX  has not removed this fraudulent collection acount from my credit report as of yet.

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