vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint about incompetence that Chase Travel demonstrated through the cancellation of a flight. I have not received my refund despite over 10 calls with Chase Travel agents. 

XX/XX/XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Itinerary # XXXX Ticket number with chase travel : XXXX Here is a timeline of what happened : XX/XX/XXXX I contacted Chase travel about cancelling an upcoming flight. It was for a trip to visit my family in XXXX but unfortunately they all contracted XXXX XXXX. They told me to send an email with my family members proof of positive tests to XXXX, which I did the same day. They claimed to have sent the test results to XXXX XXXX XXXX to see if I qualify for a free cancellation. 

XXXX I called at least 5-6 time to follow up on my email. However, there was no update from Chase XXXX, despite the urgency from me to get a response, because XXXX XXXX offered free rebooking of my flight until XX/XX/XXXX and I essentially missed that deadline because Chase travel told me to keep waiting for XXXX to get back with a response to waive the cancellation fee. 

XX/XX/XXXX I called Chase Travel again because I have officially missed the free rebooking deadline and at this point, I was out of patience so I requested to cancel the flight and pay the cancellation fee. The agent cancelled my flight and charged {$200.00} cancellation fee to my account, and told me that I would receive the refund to both my account and points within 5-7 business days. 

XXXX XX/XX/XXXX I called 2 more times and was told that they are still working on the case and I should just wait. Every time I called, the agent said that they will follow the case and give me a call to update me in 2-3 days, but I have never received any calls from them. And every time I call them, I am assigned to a new agent and the cycle begins again. 

To date : I still havent received the refund after 25 days since cancellation, despite already having paid the cancellation fee. And there has been no word from Chase Travel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to 15 U.S.C. 1681i XXXX, XXXX XXXX Trans Union shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and RECORD the Current Status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The credit bureaus mentioned above have absolutely Violated my rights numerous times. I have attached my disputes for each credit bureau, my identification information and the certified receipts for when I sent my disputes to each credit bureau.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to 15 U.S.C. 1681XXXX XXXX, Equifax XXXX XXXX XXXX shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and RECORD the Current Status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The credit bureaus mentioned above have absolutely Violated my rights numerous times. I have attached my disputes for each credit bureau, my identification information and the certified receipts for when I sent my disputes to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I have been requesting for this company to validate the alleged debt, which is my right as a consumer but I haven't got anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is a Bank of America credit account reporting as a charged off account on my XXXX and XXXX credit report that is fraudulent. I have placed fraud alerts on both those credit bureaus and have stated over several months of disputes that the account does not belong to me and was opened and used without my knowledge or authorization. I do not know any specifics of what happened with this account as I have never owned a Bank of America credit card and this has horribly affected my financial reputation and ability to obtain credit and buy a home for my children. This account is fraudulent and both Bank of America and XXXX have been negligent in conducting a proper investigation into this account. If there was a investigation conducted, this account would have been removed XXXX and XXXX and updated after the initial dispute. I clearly am a victim of identity theft and somebody had access to my personal information, without me providing anything. I have never shared any personal information nor have I shared my SSN number, phone number, bank account details, or login credentials to any financially related applications that I use. I please ask that this account gets investigated top to bottom and subsequently deleted from my XXXX and XXXX credit reports. In that investigation, I am asking the CFPB to hold Bank of America liable for their unwillingness to cooperate in conducting a proper investigation. After several disputes of the account, I have asked for original contract with my wet-ink signature, transaction history, statements from account opening until supposed charge-off date. Any and all documentation if the debt was sold ( which is illegal to do ). I have asked for all the personal information on the application including full name, address, date of birth, SSN, employer, income stated on application, the length of employment, etc. Bank of America has not provided a single piece of information requested and after every dispute, they simply come back and say it meets FCRA requirements, which it obviously does not. They update the account by changing something each and every dispute. This means they were reporting balance information, payment history, open and close date of the credit account, etc. inaccurately and illegally as this account was opened fraudulently. I never received any correspondence from Bank of America throughout this entire dispute process. That alone is FCRA violation and is also subject to monetary fines. I will not hesitate to pursue litigation through my attorney if this account is not removed from my XXXX and XXXX 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 2023-01-25 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXXXXXX XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-01-25 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: Ability Recovery Services, LLC
State: MN

Complaint narrative:
I XXXX XXXX contacted Ability Recovery Services on XX/XX/2023 to inquire about the debt and was informed that the account did not exist. The company suggested I reach out to XXXX XXXX so I contacted you all instead I spoke with XXXX XXXX ext. XXXX I need this removed from my credit profile for I never went or attend XXXX XXXX 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
Consumer complaint received 2023-01-25 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:
Someone has used my information for XXXX XXXX. I've been paying it to keep from getting a negative mark on my credit. But I was XXXX during the time the account was set up. 

XXXX XXXX - Balance {$8100.00} Credit limit {$9800.00}

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 2023-01-25 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: NY

Complaint narrative:
Someone has used my information for XXXX XXXX. I've been paying it to keep from getting a negative mark on my credit. But I was XXXX during the time the account was set up. 

XXXX XXXX - Balance {$8100.00} Credit limit {$9800.00}

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX account has been charged off and should be removed from my 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 non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I was approached at my home by a Solar Company 's salesman. He had me talked into installing solar panels on my home. Not including the unprofessionalism about the solar company, but I never had the work done. Never started the work, nor completed. Did not hear from the company for over 2 months. Meanwhile I decided not to have them do any work on my house. My complaint is about the loan company that a loan was taken out in my name and paid to the solar company. The loan company is called Mosaic. They have started sending me bills, and my statement. A loan in the amount of {$37000.00}. XXXX XXXX XXXX XXXX XXXX dollars. This company paid this solar company before confirming with me that I even wanted this done. They also never got verification that the job was even complete before sending them any money, let alone verifying that they even started the work. Which they did not. Absolutely no work was done by anybody from XXXX XXXX at, or on my house. Not only I was never informed by the salesman that he was applying for a loan in my name to pay his company. I have sent 3 correspondence emails to Mosaic wanting this loan closed, and removed from my record.and credit report. I have not received a response from them. The salesman finally responded and he said there must have been some glitch in the process. That I shouldn ' t have been charged. I am a XXXX XXXX and I am getting real tired of being blown off by mosaic. Nobody seems to ever have answers there. I am requesting an intervene by the Consumer financial protection bureau. A look into their company poicies, needs to pin point their practices, and how they pay out money to the contractors prior to any completed work done. I would like answers on how do they do that??????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
To whom it may concern, Please note that I have made multiple attempts to work with Portfolio Recovery in removing the erroneous reporting on my credit report. Based on the reported information from XXXX, they stated they are the originators of this debt and that I owe it to them, which is not sure. I have previously requested proof and I have requested that this information be removed from my credit report. All of this attempts have failed to have this issue resolved The following are the dates that I attempted to dispute the reported information. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX & XXXX  account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX account has been charged off and should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX account has been charged off and should be removed from my 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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX my Comdata account was used fraudulently for {$140.00} at XXXX XXXX # XXXX. Upon detection ( late XXXX ) I filed the Comdata dispute form for the transaction, my Comdata card at the time ended in XXXX, notifying them of the fraud transaction. On XX/XX/XXXX Comdata emailed me and informed me that my claim had been approved and that funds would be credited back to my account. As of XX/XX/XXXX I have not received the credit of {$140.00} to my account. I emailed the Comdata service department on XX/XX/XXXX, XX/XX/XXXX, and multiple times throughout XX/XX/XXXX with no resolution. I have copies of my dispute form submitted in XXXX as well as all email correspondence should you need it..

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 2023-01-25 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have been try to get a partial refund from a cruise that was canceled due to covid for 2 years carnival has proven the refund was sent the credit card company never released it to me. I called, then nothing. I called oh its not something we can see send a letter stating the amount the date the reason ok I did. Nothing call oh resend ok. Oh a manager will call back, nothing. 2 years of XXXX now they tell me oh you can only dispute for 2 months after the bill cycle. I didn't even know the refund was sent with the 2 months. I just want my XXXX refunded back.

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 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Received alert from a credit bureau there was a hard inquiry for a credit card, ComenityCapitalBankXXXX  on XX/XX/23. I did not apply for this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been trying to get XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX, 2022 removed off of my Equifax report for 5 months. There is no way to contact the merchant. No contact info. This is not me! Was fraud. I need these removed please! 
XXXX. My ONLY address is XXXX XXXX XXXX XXXX XXXX, XXXX, Ma XXXX. Please remove any other addresses. I have been trying for 5 months. 
XXXX. My name is ONLY XXXX XXXX XXXX. Please drop any other aliases. 
XXXX. Please remove XXXX. It has been paid since XXXX XXXX, 2022. 
XXXX. Please REMOVE XXXX XXXX XXXX  from my HARD INQUIRIES. THIS IS A FRAUD. I DID NOT AUTHORIZE THIS application and it took XXXX points from my hard earned XXXX! 
I reached out to XXXX XXXX XXXX, who wrote me a closure letter but XXXX wouldnt verify it. 
I have lost 3 apartments! I am told an answer from the Federal Trade Commission will count as proof enough to drop XXXX XXXX XXXX  from my XXXX report. I just filed one with the FTC last week.

Can I please get an email so I can begin this arduous process? 
The ONLY CARDS THAT SHOULD BE ON MY HARD INQUIRIES ARE XXXX  AND XXXX  XXXX. 
I HAVE EXCELLENT CREDIT HISTORY! 

HOW LONG BEFORE I GET AN ANSWER?! I AM UNABLE TO MOVE FORWARD IF THESE ARE NOT RECTIFIED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As of today XX/XX/XXXX, I have sent XXXX faxes to Equifax with an FTC report, a copy of my driver 's license, and my social security card. I have called more than 5 times for them to remove all the fraudulent inquiries that are on my credit report and all they do is NOTHING. Here is the list of all of them : 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 2023-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
car purchased in XXXX loan with Truist bank I've been on autopayment since XXXX and was supposed to pay off my loan this month. 
Truist policy : on the last month of a auto loan, the automatic payment is cancelled and i have to manually pay. 
I didn't know this. I was charged a XXXX late fee on XX/XX/XXXX and another XXXX late fee on XX/XX/XXXX. 
I believe this is an unfair and deceptive practice that has led to extra charges, delinquencies and frustration. 
The result is I am being punished and Truist is making more revenue. 
I've been a good customer for then entire loan and have never missed a payment.

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 2023-01-25 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: U.S. BANCORP
State: SC

Complaint narrative:
Unauthorized credit inquiry Us Bancorp XXXX XXXX XXXX XXXX XXXX, Nd XXXX The date is 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 2023-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am responding to the class action suit related to Wells Fargo. I believe I am entitled to damages. I owned an account from XXXX to approximately XXXX. My account was transferred from Wachovia bank to Wells Fargo when they bought Wachovia. I owned a student account, likely a checking and a savings. I recall fees being charged leading me to join a different bank.

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