vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2018 I purchased via my Wells Fargo credit card XXXX  program 2 one way tickets from XXXX to XXXX XXXX for {$300.00} XXXX. My points paid the balance. This transaction was done by telephone while I was on the XXXX   website with their agent. After confirming the flight and the ticket price displayed on their website with the agent on that website I agreed to the purchase. I was warned by the agent that once I agreed to the price and she hit the button there was no refund or turning back. I agreed and she proceeded. After about a two minute wait she returned and told me the price increased by {$190.00}! I was less than happy but needed the tickets paid. I then called Wells Fargo to complain about their bait and switch pricing and demanded a refund of my points. They assigned a case # XXXX but would not communicate in writing. I did not hear from them. On XX/XX/2018 I contacted them again # XXXX with no response. I followed up two weeks prior to this email, they took the info and promised to provide written resolution by mail regarding the complaint. Tonight XX/XX/XXXX I received a voice mail from the XXXX XXXX XXXX program, not from Wells Fargo customer care with a new confirmation # XXXX to call. I did so and talked to an agent, then her supervisor, then a company executive who after 10 minutes never answered So Im in a pickle! A Wells Fargo company investigating another Wells Fargo company, sending me from one to the other with no resolution and refusing to resolve in writing. Therefore Im hoping the USA government can assist

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 2019-01-29 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: NJ

Complaint narrative:
I spoke with you guys regarding items on my account that are not mine. There are two accounts that are still on my credit. XXXX XXXX XXXX XXXX and XXXX. Please remove these two accounts 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 2019-01-29 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: NJ

Complaint narrative:
I spoke with you guys regarding items on my account that are not mine. There are two accounts that are still on my credit. XXXX XXXX XXXX XXXX and XXXX. Please remove these two accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I have had issues with alternate addresses being used to open up accounts in my name .. I have since noticed several accounts that were opened that I do not recognize and are not mine.. the credit bureaus have corrected most of these accounts and have determined I have been a victim of identity theft .... I am still having problems with some accounts though this company has been utilizing collection activity to collect on this account after being notified that this account was a result of identity theft I have sent a previous information regarding this issue account number XXXX amount XXXX open appx XX/XX/2018? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates, LLC and XXXX XXXX XXXX are trying to bill me with accrued interests and fees for a debt over 7 years and already written off by the bank and off my credit report per FCRA, and ECOA ( regulation B ). 

The last time they tried to bill me in XX/XX/2017, I filed a police report for fraud because someone had stolen my Drivers License, Social Security and checks from a house I rented at the address where the account was opened.

They took the account of my credit bureau and off my person now almost 2 years later I get this bill from Portfolio Re covery Associates, LLC with a bill from XXXX XXXX XXXX for an account over 7 years old, off my person and off credit report per FCRA & ECOA and already reported as fraud and taken off by the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Social Finance, Inc.
State: KY

Complaint narrative:
I am a student, it would make sense to defer my payment while I am in school. The only so-called deferment offered to me involves " interest only payments '' based on the interest bills provided monthly. Payments received during the deferment period will be applied to accrued and outstanding interest and then to my principal balance. I used to pay around 700 $ monthly before deferment. In my first three month of deferment from XX/XX/XXXX to XX/XX/XXXX, I have paid roughly 550 , 500 , 730 , and 420 $ respectively on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX! THEY CALL THIS A DEFERMENT? This is a total rip-off! I need to resubmit all the paperwork every three months because there are no options to submit my documents for an entire academic year and I lost the chance to do so in XXXX because the school was closed from XXXX  XXXX. I submitted a second application in XXXX  XXXX which was approved on XX/XX/XXXX. Being more cautious and proactive, I made a call asking if I am gon na need to make an interest payment by the XXXX XXXX XXXX informing them that my account shows " zero '' due amount. I was told they are calculating my interest amount and that most likely I would not need to make a payment and if I do they will notify me within a reasonable amount of time in advance ... and I get a message on XX/XX/XXXX that I need to make a XXXX $ payment on XX/XX/XXXX. They do not even have the decency to notify you in time. This is the best example of a terrible customer service. I am spending more time worrying and handling my student loan that focusing on studying. Had I known they are so defective, I would have never signed up for their services. I will look into changing servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was for an XXXX XXXX Membership on my XXXX store card held by XXXX XXXX which was not authorized. When I was alerted that a membership fee would be charged ( this was in XX/XX/XXXX ) I initiated an online chat with an XXXX representative and they advised the membership would be cancelled and no fee would be charged. Evidently the representative did not cancel the membership and they I was billed {$120.00} on XX/XX/XXXX. I reached out to XXXX a second time and advised them the membership was supposed to have been cancelled. The representative said they would cancel and issue a credit for the fee. When I received my Synchrony statement in XXXX I was shocked to see that fee had not been credited and in addition there was a late fee and finance charges. To further complicate the issue my account is showing delinquent so I initiated a dispute with Synchrony and asked for a temporary credit while the dispute was in progress. Synchrony refused and said I would need to wait until the dispute was reviewed. When I advised Synchrony I would contact the CFPB the OCC and XXXX   they closed my dispute by saying that the charge was for an XXXX XXXX Membership and to contact XXXX!!! I feel that both the merchant ( XXXX ) and credit card issuer ( Synchrony ) are engaging in unscrupulous practices and predatory lending that leaves the customer with no recourse ( basically they charge what they want when they want and the consumer is powerless to challenge what they are doing ). I appreciate any assistance the CFPB can provide in helping me resolve this matter. 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 monetary relief
Consumer complaint received 2019-01-29 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:
I went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. 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 2019-01-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX auto loan was discharge through my chapter XXXX bankruptcy, on my experian credit report it stills shows that its open, they have not updated the status its been four years now and the other two credit reporting agencies showing that this account is closed. Experian is still showing that its still opened.

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 2019-01-29 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: AL

Complaint narrative:
I have sent in my credit report showing that XXXX XXXX XXXX XXXX was the playof The Bankruptcy on my file equifay told me that they are a wary of the mixed file but never removed this info they deleted his name XX/XX/XXXX and they just remove his address XX/XX/XXXX still kept his file on they say they verified through XXXX which is a lie I have XXXX report and it have proof that they dont have Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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:
I went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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:
I went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
American Express is running a promotion wherein spending {$50.00} with the card at XXXX XXXX XXXX gets you a {$50.00} rebate. This promotion runs twice a year, XXXX and XXXX. I participated in the promotion in XXXX, however American Express is claiming they did not receive notice of my claiming the promotion until XXXX. Because of this, they are counting last year 's credit for this semester 's promotion and are refusing to honor my current rebate of {$50.00} which I actually incurred later in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
During our stay on XX/XX/2018 at renaissance, XXXX, NJ. Front desk manager name XXXX offered us $ XXXX points and that he would adjust the per night rates to the lowest rate to compensate the inconvenience caused to us by the hotel and room not being cleaned up to the standards. To this day neither the rewards points shows in my statement nor the charges have been adjusted. 

On a separate occasion during our separate stay at a different transaction and different property General Manager, XXXX XXXX sent me an email offering {$3000.00} point in my account in response to a survey I completed. These points havent been showing up on my account either. Copy of email attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have had fraudulent inquiries placed on my credit report since XX/XX/2016 I have tried multiple times to address the issue with TransUnion with no help whats so ever. All the other bureaus have flagged my account for fraud alert and remove my inquiries. Transunion still refuses to do so. I have multiple attempts all day and all night at trying to run credit cards on my credit report. No one from Transunion is willing to help me and I am sincerely tired of trying with them.

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 2019-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I had a pay day loan and dispute over a matter of XXXX from XX/XX/XXXX. There is a company called National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX phone XXXX that call me multiple times a day demanding I pay them {$1600.00} they have on at least 4 occasions called my place of employment and gone through a switch board operator and left messages for me most recently on XX/XX/XXXX I have on 3 occasions contacted them and asked to please not call my work but they continue to do so. Approx 1 week ago I finally received some documentation on the original loan however the amount they are demanding exceeds the amount I borrowed.I did receive a notice several years ago where either this company or another attempted to file a small claim in XXXX XXXX Municipal Court which is in a county I do not live and the case was dismissed in that court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2018, I made a small but material typo when sending rent payment to my landlord via XXXX ( XXXX ) - incorrectly spelling his name " XXXX '' in the recipient 's email ( rather than XXXX ). Immediately realizing my error, I contacted Chase Online customer support within 24-hours and asked them to open a claim so that my rent payment could get rectified and go to intended recipient. After weeks of calling back for status updates, they told me there was nothing they could do since I knowingly signed their T & Cs when joining the bill pay service - eventually informing me after roughly four weeks that the claim had been closed and there was nothing more they could do. My {$1100.00} - one half my monthly income - had evaporated. In my frustration, I decided to email the incorrect recipient ( being that I knew precisely what erroneous email I had accidentally used ), and explained to him in plain terms who I was and what had happened. This gentleman promptly informed me that he had immediately alerted his bank when he received unknown funds in the amount of my rent payment, and that his consumer bank of record - XXXX XXXX - swiftly removed the funds from his account. An innocent mistake ended up lining the pockets of either Chase Bank or XXXX XXXX, which is unfair and utterly infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Linebarger Goggan Blair & Sampson LLP
State: OR

Complaint narrative:
This firm attempts to collect parking tickets that are 9-10 years old and refuse to act in accordance with the XXXX statute of limitations, in spite of many repeated conversations and warnings to do so. Specifically case number XXXX, for a parking ticket from XX/XX/2010, they are now attempting to collect {$160.00}. They have been contacted by phone and in writing multiple times to dispute the debt and the timeliness of their efforts, and every few weeks they attempt again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MIDFIRST BANK
State: MO

Complaint narrative:
My mortgage loan was bought out by XXXX XXXX  prior to XXXX of XXXX from XXXX. XXXX XXXX  within a week of XXXX closing my loan, my credit score tanked by over 70 points. I waited and expected XXXX XXXX  to report my loan in good standing the following month, but this did NOT happen. With an abundance of caution, I mistakenly waited until early XXXX to verify one more time to see if my loan would be reflected in my XXXX credit score. Unfortunately, XXXX XXXX did not report my loan in good standing again. 

On XXXX XX/XX/XXXX I contacted XXXX XXXX  informing them of my concern and asking that they rectify the discrepancy. On XXXX XX/XX/XXXX I received a message from XXXX XXXX XXXX XXXX ( attached ) informing me that they will NOT take any action until early XX/XX/XXXX. I contacted XXXX XXXX  by phone on XXXX XX/XX/XXXX and after a length conversation with their " customer service '', they stated their policy of not reporting to credit bureaus for a period of 90 days is hard and fast and can not be changed. 

For personal reasons, I need a good credit score. XXXX XXXX  is unfairly preventing me from pursuing actions I need to take in my life because of their discriminatory policy of not reporting to credit bureaus in a timely manner. 

I did not ask for XXXX XXXX  to sell my mortgage to XXXX XXXX and I do NOT deserve to have a negative credit score/history as a result of this action. I expect XXXX XXXX   to rectify this reporting injustice and, necessarily on a case by case basis, report mortgages in good standing if so requested by the owner of the mortgage.

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