vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am Amazon customer. Through my Amazon platform, I was offered a Amazon Prime Credit Line. I am already a Prime Member and thought this was a adjunct or add-on service. Without thinking too much, I believe I agreed to the offering, although I am unsure of even that. I thought it was an offering through my Amazon Prime Account.

Unknown to me at the time, a regular credit card was issued by Chase/JP Morgan. I also later noticed that my Default Payment method was changed to Chase. I purchased a few things and unknown to me, they were charged to the Chase Account. I returned the items and got a communication from Amazon asking to provide me an " immediate '' refund in the form of a gift card and I agreed.

I later noticed a communication in regular US Mail ( not via the internet ) with a credit card statement from Chase. The minimum payment of {$35.00} was more than 30-days late. I immediately contacted Chase and let them know I was not aware of the credit card and I immediately paid off the ENTIRE balance. The person on the phone waived all late charges. 

If this late payment report is not withdrawn, I plan to either file a small claims complaint or demand resolution via an arbitration through JAMS. I worked so hard to have a XXXX credit rating that this issue is so disappointing it almost makes my cry. I plead with Chase to do the right thing. I am not asking for any money. 

I had a credit score at the time of about XXXX. I was concerned and the person at Chase assured me that this late payment would not be reported to the Credit Agencies. I told he person that all communications with Amazon to go through my online account and not via US mail from Chase. 

I was relieved until I got my credit report the next month. My credit score dropped XXXX  points to something like XXXX. I called Chase more than once to complain and even talked to a supervisor. They would not file a report with the credit agencies withdrawing the late payment report. 

I contend Chase breached their promise to correct the reporting. I also contend that the card was fraudulently issue via misleading advertising. I was advertised as an Amazon card. I never activated the card which is usually required with bank cards. I never expected Chase to send any statements, much less statements via US mail.

I have never had a late payment in the last 7 years. I want to buy a house and this will have a huge impact on my financing options. My alleged failure to pay on time is the direct result of Chase 's misleading and fraudulent advertising. 

I would like Chase to correct the misleading late payment report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: NY

Complaint narrative:
I am currently having difficulties with XXXX my previous internet provider. I switched over to XXXX for internet on XX/XX/XXXX and called XXXX the XXXX to cancel the service after paying what I owed. I was told by a representative that I have nothing to worry about and that everything was taken care of. Fast forward today my account is now in collections with a balance of {$130.00} and no one can explain to me why. When I contact XXXX I get a run-around and I am told all is well, when in fact I am now getting collection notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: IL

Complaint narrative:
TRANSUNION AND XXXX  ARE REPORTING A HARD INQUIRY FROM XXXX  XXXX ON XX/XX/2021 after XXXX  XXXX sent letters out to these companies for the inquiry to be removed. Attached is a letter from XXXX  XXXX telling TRANSUNION and XXXX  to remove this inquiry. Also attached is proof these companies are still reporting this 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 non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest has violated my rights under the : 15 USC 1605a, 15 USC 1692b ( 2 ), and 15 USC 1692b ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: FL

Complaint narrative:
They put a collection on my credit report and i owe nothing a prove on i did not sign anything with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
I have made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: NY

Complaint narrative:
This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXX XXXX XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. 
Personal information is wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I never lived at this address, please remove immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX  is reporting an erroneous late on my credit file. I Paid the balance in full but wasn't aware of the annual fee in monthly payments. I do not receive statements or notices and never received a notice about this late payment. On top of that, they also had the incorrect email listed on file so I was not getting anything from them. I have had this account for a long time and have never been late. I am very disappointed about the communication I get from this company especially being that this is something that affected my credit severely. Under the federal mandate you are not allowed to add this late notation to my credit file anyway. I am asking as a long time customer that you remove this XX/XX/20. I was not aware that the annual fee was to be paid monthly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: AZ

Complaint narrative:
these inquires are fraudulent and do not belong to me i never applied for credit with these companies and they need to be removed i have contacted all of these companies and they all told me to contact credit experian and XXXX to resolve this issue i have and they still remain unchanged XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XX/XX/XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : 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 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2021, I spoke with a claim representative at Wells Fargo to finalize a dispute for an unauthorized charge totaling {$35.00}. The claim representative was extremely rude and disconnected the call prior to resolving my concern. This is unacceptable. I spoke with Wells Fargo to attempt to resolve the situation and they were unable to locate the name of the representative that disconnected the call. Also, they refused to provide me with a provisional credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: MS

Complaint narrative:
Transunion, XXXX and XXXX illegally reinserted without given a proper 5 day reinsertion letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: UT

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: NJ

Complaint narrative:
i have been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an FTC report also an ftc affidavit and got it notarized i hope this helps

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
MY MORTGAGE COMPANY XXXX XXXX  GAVE ME THEIR NUMBER FOR EQUIFAX AT XXXX. THIS NUMBER CONNECTED ME TO A SCAMMER. THE AUTOMATED CAME ON FIRST AND ASKED FOR MY NAME, I PUT IN THE FIRST LETTER AND IMMEDIATELY A MAN WITH A FOREIGN ACCENT CAME ON THE LINE AND REQUESTED MY SOCIAL SECURITY NUMBER. I IMPULSIVELY GAVE IT TO HIM. THEN REALIZED THIS WAS NOT RIGHT. I TOLD HIM I FEEL UNCOMFORTAGBLE. HE RESPONDED, " I UNDERSTAND. '' I IMMEDIATELY HUNG UP AND CALLED XXXX AT XXXX XXXX. SHE TOLD ME SHE GAVE THIS NUMBER TO OTHER CUSTOMERS WITHOUT A PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical service revenue is in violation of 8 federally protected consumer rights under 15 usc 1692 and 4 unauthorized uses of registered trademark

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: MI

Complaint narrative:
I sent in my complaints to Transunion and XXXX and XXXX about wrong things on my credit report back in XXXX. They have not taken those things off and have not even responded to me. It has been past 30 days! 
Wrong Address Wrong Name Wrong Jobs Wrong Previous jobs Wrong Previous Addresses Charge offs Late Payments Inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Amex, XXXX XX/XX/XXXX, my renewal fee was {$95.00}. 
In XXXX of XXXX, Amex discriminated against me by placing a preset limit of {$2000.00} on my account, which I rarely use, after my XXXX XXXX XXXX XXXX account was defrauded/depleted through XXXX, and while XXXX XXXX XXXX XXXX was defrauding me for erroneous insurance fees. 
In XX/XX/XXXX, my renewal fee was {$95.00}. 
In XX/XX/XXXX, per Amexs predatory revenue creation attempts during the XXXX pandemic, my Amex renewal fee jumped to {$150.00} on my account with a preset limit of {$2000.00}, which I rarely use. 
In XX/XX/XXXX, I reported two unapproved transactions, XXXX, and XXXX XXXX, and Amex wanted me to obligate my time to resolve the grievances, while Amex charged me late fees on the unapproved transactions, rather than Amex acknowledge the fact that Amex increased my renewal fee for Amex to direct me to resolve my own grievances as if I were an Amex employee. 
XXXX resolved the unapproved transaction, whereas I had to report the Amex-XXXX grievance to the Consumer Financial Protection Bureau ( CFPB ) ( XXXX ), and I was awarded the sum of the unapproved transaction. 
In XX/XX/XXXX, Amex sent me a paper check for the remaining sum of the credit award, at which time I expressed to the Amex chat representative to return the stolen funds to my account, or close my account, and neither happened. 
XX/XX/XXXX, months after I directed the Amex chat representative to close my account, Amex charged me a renewal fee of {$150.00}. 
Amex continues charging me an inflated renewal fee on my account that I rarely used, and which carries Amexs discriminatory preset spending limit. 
I had to report Amex to the Consumer Financial Protection Bureau ( CFPB ) over erroneous charges and interest fees. 
Amex returned the erroneous fees to my account. 
Amex removed the funds from my account to send me a paper check. 
I told Amex to return the stolen funds to the account or close the account. 
Amex failed to return the funds or close the account. 
Every time Amex creates one of these problems for me, Amex costs me more than the sum by obligating my time, as I stated to the Amex chat representative. 
Amex, close my account, because I have no need for overpriced Amex renewal fees on Amex preset spending limits. 
I will not be paying Amexs {$150.00} renewal fee or any associated late fees as my account was to have been closed in XX/XX/XXXX per my direction to the Amex chat representative. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: UT

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: NY

Complaint narrative:
This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXX XXXX  XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. 
Personal information is wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I never lived at this address, please remove immediately! 
The listed item is entirely inaccurate and incomplete, and 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 2021-06-16 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Victoria Secret is reporting lates for the months of XXXX and XXXX. I was not late on this account. I made my payments online and thought everything was fine as i did not receive a call or notice about being late. I recently had my credit pulled and noticed the lates on my credit file. I had called immediately and paid the balance. I made these payments on time on the online system and never received a call or notice about the lates. I had no idea that i was being marked late. I need these lates to be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 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: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
the following accounts appear on my credit report without authorization Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: GA

Complaint narrative:
XXXX XXXX is in violation of 7 federally protected consumer rights under 15 usc 1692 and 4 unauthorized uses of registered trademark

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is in violation of 7 federally protected consumer rights under 15 usc 1692 and 4 unauthorized uses of registered trademark

Company response to consumer: Closed with explanation