vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I asked all 3 credit bureaus to perform an investigation into Portfolio Recovery 's negative reporting on my credit bureaus in XX/XX/XXXX. I was asking for validation of debt. On XX/XX/XXXX, I received a letter from Portfolio Recovery, which they claimed to validate the debt. There are many inconsistencies involved with Portfolio Recovery 's response. Portfolio Recovery claims that I owe {$550.00}, but they sent a statement with a balance of {$620.00} from XX/XX/XXXX. They also sent a " letter '' from XXXX XXXX, dated XX/XX/XXXX, saying the " debt '' was sold Portfolio Recovery on XX/XX/XXXX, however if you reference their response to my request for validation, Portfolio Recovery says this occurred on XX/XX/XXXX. Portfolio Recovery is reporting multiple dates, which differ from each other. I asked for a signed contract, and all they could provide me is an " account statement '' from XXXX XXXX, which was electronically transmitted. There are several cases, which state electronic transmission is not enough to verify a debt. If you reference all 3 of my credit bureaus, there are zero negative items from XXXX XXXX reporting on it, so how could this " debt '' even exist? I have an account with XXXX XXXX that was opened this year, however nothing with those dates that Portfolio Recovery is claiming. The statement from Portfolio Recovery also lists the " original creditor '' as XXXX XXXX, and if you reference my credit reports, there has never been an account that was ever opened with XXXX XXXX. Portfolio Recovery says that my " account '' was opened on XX/XX/XXXX, however a simple XXXX search will show that XXXX XXXX purchased XXXX XXXX credit  operations in XX/XX/XXXX, XXXX months before Portfolio Recovery is claiming, that I opened an account with XXXX XXXX. How did I open a credit account with XXXX XXXX  in XX/XX/XXXX, when XXXX credit accounts no longer existed? The inaccuracies, and outright wrong information is reason enough to have Portfolio Recovery to delete all negative information on my credit bureaus. They failed to properly investigate my inquiry, and are not negatively effecting my credit. They assumed without properly researching information, and Portfolio Recovery is harming my ability to obtain credit. In summary, Portfolio Recovery failed to properly verify the " debt '', is claiming I opened an account with a creditor that was not even open, when they are stating I opened the " debt '', sent account statements with conflicting information, and is reporting negatively to my credit, while there is zero evidence on any of my credit bureaus that these " supposed accounts '' existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 Wells Fargo Bank XXXX XXXX XXXX, XXXX XXXX, CA XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Re : Demand to close credit card account -XXXX and Notice of Arbitration To Whom it May Concern : On XX/XX/2019 I called Wells Fargo ( the Bank ) and requested that my business credit card account, consisting of the primary card -XXXX and XXXX card -XXXX, be closed. 
On XX/XX/2019, I happened to log in to my Wells Fargo online banking profile and discovered that the XXXX card -XXXX was still open. I reached out to the Bank several times in writing to confirm that this card was still open and to request that it be closed. Each request was denied. 
This is my fourth inquiry into this matter. 
Please close credit card account -XXXX as originally requested and issue a {$100.00} courtesy credit for my time spent rectifying the Banks error. 
Else this matter will proceed to arbitration with all costs borne by the Bank pursuant to the Business Credit Card Customer Agreement. 
Sincerely, XXXX XXXX enc.

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 2019-10-10 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: IL

Complaint narrative:
had a flights taken with XXXX XXXX in XXXX price paid extra included carry on up to XXXX kg for each passenger ( have been paid for that extra ) XXXX XXXX was forcing me to pay for them as check in luggage they has been less of the size of carry on standard and was less then XXXX kg each they was also claiming them that the overhead bin is full and they needs to check in the luggage ( which is ok ) but they has told me you either pay or you not going to be on the flight in very insulting way! 
I have been ask from chase several times to open investigation but no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: GA

Complaint narrative:
EXPERIAN, XXXX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : EXPERIAN XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeAuto Loan Balance {$0.00}. 
Loan Amount {$21000.00} XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeUnsecured Loan BalanceLoan Amount {$0.00} {$6000.00} DEPT OF EDUCATION/XXXX XXXX   numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX  {$12000.00} Account XXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018XXXX  : DEPT OF EDUCATION/XXXX  Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX : DEPT OF EDUCATION/XXXX  Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX  {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from 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 2019-10-10 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-10 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened an account with XXXX in XX/XX/XXXX through Ashley Home Furniture. I spent roughly {$2500.00} on furniture and was told that if I paid it off within 1 year, there would be no interest. I paid off my {$2500.00} purchase prior to reaching 1 year which was difficult as a XXXX veteran on a fixed budget, but I did it. The day after the year timeframe was passed, I found that I still had {$300.00} on my account, though I made no further purchases and paid the full amount of my purchase. I not only can not pay that, I will not pay that because I did not make any further purchases and I paid my entire XXXX dollar credit card off prior to 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 monetary relief
Consumer complaint received 2019-10-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX is continuing in UNFAIR credit reporting practices by making it impossible to find out anything regarding My report, yet they continue updating negative reporting. 

EQUIFAX right now is negatively impacting my standard of life by reporting damaging, unsubstantiated claims and information ; deteriorating My character and ruining my reputation. 

1 ) EQUIFAX will not allow Me to log in online.

2 ) EQUIFAX will not give Me any information over the phone ... ( when I called and spoke with a rep she stated their system was down and to try again later. This was over 2 weeks ago and supposedly the system is still down, because I STILL can not login to My account via the equifax website ) 3 ) EQUIFAX, despite their " system being down '', continues to report a negative collections account which has already been discredited, disproved, and successfully removed from the other two credit reporting agencies.

4 ) Equifax also continues to report other unsubstantiated claims by alleged creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: GA

Complaint narrative:
XXXX, XXXX AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXXXXXX XXXX XXXX XXXX Account XXXX Date openedXXXX  XXXX, XXXX Account typeAuto Loan Balance {$0.00}. 
Loan Amount {$21000.00} XXXX XXXX XXXX  Account numberXXXX Date openedXXXX XXXX, XXXX Account typeUnsecured Loan BalanceLoan Amount {$0.00} {$6000.00} XXXX XXXX XXXX Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} XXXX XXXX XXXX {$12000.00} Account number900000XXXXXXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} XXXX XXXX XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX TRANSUNION : XXXX XXXX XXXX Account XXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} XXXX XXXX XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} XXXX XXXX XXXX  {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX : XXXX XXXX XXXX  Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} XXXX XXXX XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} XXXX XXXX XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from 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 2019-10-10 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: GA

Complaint narrative:
XXXX, EQUFAX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX   XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeAuto Loan Balance {$0.00}. 
Loan Amount {$21000.00} XXXX XXXX XXXX Account numberXXXX Date openedXX/XX/XXXX Account typeUnsecured Loan BalanceLoan Amount {$0.00} {$6000.00} DEPT OF EDUCATION/XXXX Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX  {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  : DEPT OF EDUCATION/XXXX   Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF EDUCATION/XXXX  {$12000.00} Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX EQUIFAX : DEPT OF EDUCATION/XXXX  Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} DEPT OF  EDUCATION/XXXX  {$12000.00} Account XXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} DEPT OF EDUCATION/XXXX  {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   XXXX XXXX  XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
In XX/XX/2019 I had written a check to Advance America for a pay day loan in the amount of {$580.00}. I wasnt able to pay The whole amount back so they tried to ACH my account. It rejected and I set up to start making payments on the balance of {$580.00}. I paid {$280.00} towards the balance. On XX/XX/2019 I talked to XXXX. I told her I had {$80.00} I could bring her when I got off work. She started telling my my minimum payment was {$91.00}. I didnt have the extra {$11.00}, but I told her I would try to come up with it. I couldnt come up with it, so I wasnt able to make the payment. On XX/XX/2019 they sent in the ACH for {$580.00} to my bank account. My bank paid it in full on XX/XX/2019. They never took into account the {$280.00} I had already paid towards the balance owed. I called asking why they didnt consider the money I had already paid and XXXX told me I could just bring something showing it was paid by my bank and get a refund. Well on XX/XX/2019 I went up there for my refund. They refused to give it to me. They said they had to wait for their supervisor to approve it, or the system to let me have it. I called everyday trying to get my money back. On XX/XX/2019 my husband finally called their call center to make a complaint. The lady looked in the system she said your account has been paid and closed. She said just call up there and ask for your refund they have to give it to you. I told her I already did that and they refused giving it to me. She said they have no reason to hold onto your money. I will call the supervisor over that branch and have her over ride this. She said I will also have her call you directly when she gets out of her meeting. XXXX called me at XXXX cst she also refused to give me my money until XX/XX/2019 and told me how it was my fault they sent the check in basically. She even told me that the center lady didnt tell me they had no reason to hold my money. XXXX did not know my husband was on 3 way listening to the call center lady tell me this. XXXX also told me on XX/XX/2019 that Dotty didnt refuse my payment that I could of paid {$20.00} if that was all I had. I told her that was not explained to me by XXXX. On XX/XX/2019 at XXXX I went to my bank. I talked to them about possible rejecting the ACH. They told me it is to late they had already paid Advance America off on XX/XX/2019. They gave me a print out of my account showing nothing was pending and said take that and try again to get my money refunded to me. I did and XXXX finally refunded only {$250.00} of the {$280.00} I paid them. I dont think pay day loans should be able to send a ACH for The whole amount when someone has paid on something. This is theft! This is ridiculous I had to chase my own money around like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
There is an unauthorized hard inquiry on my credit report from Citibank Na on XX/XX/2018. Im not familiar with this inquiry at all and not sure why it is on my credit report but i would like it removed as it is effecting my overall credit performance. thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation