vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
According to a filed action today ( XXXX ) Transworld Systems I ( a debt collector ) has filed a collection charge on my credit for {$150.00} on behalf of XXXX XXXX XXXX. I have disputed this with XXXX - however, I have never heard of this company. We live in California and have no connection to Ohio, or XXXX XXXX. We are trying to get a loan and this is all of a sudden on our record. I have never had a collection or late payment in 15 years and so this is a shock and a critical error. I called Transworld Systems I and they could not even find my information in their system, so I am not sure what to do? Can someone assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: MA

Complaint narrative:
I purchased tours of the XXXX XXXX XXXX and XXXX from XXXX on XX/XX/XXXX. These tours were refundable when booked. On XX/XX/XXXX, I contacted XXXX about a refund since my flights were canceled and I had to cancel my trip because of COVID-19. The response I received was that my reservations were placed on hold and would be refunded if I did not provide new dates within 180 days. So the refunds should have been issued by XX/XX/XXXX. 

When I realized I did not receive my promised refunds, I reached out to Chase on XX/XX/XXXX, within 60 days of the expected refund, to initiate a dispute and sent them screenshots of my email conversation with XXXX. I received a response that they were researching my disputes. On XX/XX/XXXX, I responded to a request for more information from Chase and sent screenshots of my email conversation with XXXX a second time. On XX/XX/XXXX, I received a letter from Chase that they " considered the charges to be valid because they didn't find any evidence of a billing error. '' I responded to this via secure message as the stated reason makes no sense and for a 3rd time sent them a screenshot of my conversations with XXXX. I have received no response outside of the automated responses to this message. 

I also contacted Chase via XXXX XXXX  about this issue and was told that they resubmitted the dispute. They they contacted me today to say that the claim request was denied and the disputes team said that I have no dispute rights over a cancellation in XXXX for a service in XXXX. Note that this was never communicated in the past and the reason given initially for the charges being upheld was that they " didn't find any billing error. '' Chase is being super shady about this and I filed the dispute as soon as I realized that XXXX did not issue the refund by XX/XX/XXXX as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. SYNCB/PAYPAL, Inquiry : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these 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 2021-01-26 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: WA

Complaint narrative:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: INVESTORS BANK
State: WA

Complaint narrative:
I signed up for Investors Bank on XX/XX/XXXX under their promotion where I would receive {$250.00} over 10 months. You are eligible for the bonus each month if you have an ACH deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, you have Mobile Check Deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle. 

I made ACH deposits totaling {$500.00} or more each month but still did not receive anything. I called Investors Bank and was told that the promo code was attached to my account and that I would receive a call over the new few days after they had researched the issue. I never received a phone call and this time sent a secure message requesting the bonus. 

I received the response saying Thank you for your email inquiry. When you opened the account in XXXX there was not reward promotion available at that time. '' The promotion was in fact active and the other representative confirmed the code was on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
I applied for a {$500.00} loan and ended up paying over {$1000.00} for that same loan yet they are still harassing me to pay $ XXXX for something I already paid off. I have all Of my bank statements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: ID Analytics, Inc.
State: OK

Complaint narrative:
I was denied credit because I have a security freeze on my account with SageStream , LLC. I did not give this company permission to place a security freeze on my file. They have no documents proving that I have ever had contact with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
The account went into overdraft moments before closing of the business day. I rectified it before opening of the following. They slapped me with charges. This is very predatory practice as who sees the overdraft minutes before the close of the business day. I wasnt even given a full day to rectify before charging fees. This should be illegal. I have also found on their website grace period checking promotions to which I was told I had no idea what I was looking at by the agent. This bank is terrible to their members just check any social media post.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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'm trying to refinance my home but i have accounts that are reported on my credit report that the credit bureaus won't remove.

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 2021-01-26 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: AK

Complaint narrative:
Received a phone call from an automated message claiming to be calling about an issue with my debit/credit from Chase Bank and I usually hang up by that point. I have not banked with Chase  in over a decade. I have received this call multiple times but am finally reporting it. The number that called me was XXXX XXXX XXXX XXXX XXXX from XXXX, XXXX, XXXX according to the caller ID. I block the number each time I get one of these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: GA

Complaint narrative:
Equifax is reporting inaccurate inquires on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: NV

Complaint narrative:
Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2021 To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 USC 1602i means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor Pursuant to Title 15 USC 1602g. I demand Pursuant to 15 USC 1681a ( 2 ) ( B ) that the following transaction be removed from my credit report immediately as you are violating my rights as a federally protected consumer under Title 15 Chapter 41. 


1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX Thank you, 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 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: FL

Complaint narrative:
In The Past Years This Is The Third Time Debt Collectors Have Tried To Collect On A Debt Not Owed. Also Attempts To Putting It On My Credit Report. It Has Since Been Removed From My Credit Report. But Now They Are Back To The Same Tricks Again. 
I Have Evidence That My Bill Is That Of " XXXX ''. I Just Spoke To The Hospital  This Week, And Have Also Obtained A Faxed Letter From The Hospital And The Attending Physician That My Information Is Accurate. 
This Is Continued Harrasment, To Fight To Keep The Debt Collectors From Trying To Ruin My Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
This complaint pertains to XXXX XXXX 's Visa Card program. I received an email stated I would be automatically enrolled in e-statements on XX/XX/XXXX. I would have to go out of my way, log in, and opt out in order to continue receiving paper statements. I was asked when I opened my account, if I wanted to enroll in e-statements or not and I said no then. I think it is ridiculous that I now have to go in and opt out of something that I already told the company I do not want to enroll in. The CFPB 's official interpretation of 1026.5 ( a ) ( 1 ) ( ii ) ( A ) states that only disclosures that need not be provided in writing can be provided in electronic form or if THE CONSUMER requests the service in electronic form. Periodic statements ( XXXX ) don't even fall into disclosures that need not be provided in writing and would therefore require my consent BEFORE providing me with e-statements.

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 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Western Union was the wire transfer agent for XXXX XXXX in a transaction that sent XXXX Reals to XXXX. There final exchange rate was XXXX Reals for XXXX USD but online they advertised XXXX Real for XXXX USD this comes out to a difference of close to XXXX USD. Why was there such a large discrepency between advertised exchange rate and working exchange rate. In addition, the disclosure on the exchange rate was hidden in a pdf file. not clearly labeled. Horrible transparency on exchange rates for this wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I have 2 unauthorized inquiry to my consumer report on XX/XX/20 and XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
The account is not my account and I have never had any business with XXXX XXXX XXXX or Jefferson Capital System. 
I sent a letter regarding a debt collection attempt for XXXX XXXX XXXX indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had some cash and I went to Bank of America XXXX XXXX, CA ATM machine. I thought using my unemployment card I could deposit some cash into the card. I put the card into the ATM and it wasnt successful and froze my unemployment card. The card is an Unemployment card associated with the state of Arizona. I called the number on the back of the card and they only did a form. Ive called my unemployment office and they say they cant do anything about it, its on Bank of Americas term. I have called and talked with Bank of America Fraud department and they couldnt do anything about it. Which is why I am complaining. I believe they can do something about it to unfreeze the card. Its the card I depend on and it has {$820.00}. I need that money cause I have bills to pay and food to feed my family with. On XX/XX/XXXX, I called the number on the back of my card and talked with an agent and he wasnt helping with me so I asked for a supervisor. He transferred me and I waited for about 20 minutes. Soon it starting ringing and said, Thank you for contacting Child Protective Services. The guy hung up on me! Like I said I depend on this money. Bank of America is taking my money away from me!

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 2021-01-26 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA

Complaint narrative:
I had a lease with an auto company and i had all my payments set up on automatic payment so i know i never missed a payment. The only thing i can think of is that somehow there was a problem with the automatic payment setup. but when i called the company they said that there was never a late payment but on my report it shows a 30 day late. I have tried correcting this with the company as well as the credit bureaus but had no success. Please help me to get this removed as i was never late and it shouldn't be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: All Debt Solutions Inc. dba: 1st Class Agency
State: MA

Complaint narrative:
I spoke with an alleged manager at All Debt Solutions , Inc. in XXXX, MA in regards to their false reporting to credit bureaus which resulted in a negative mark on my credit. The debt had been paid directly to original creditor. This manager stated he saw that it had been paid yet still reported it as unpaid. When confronted about the false reporting, he alleged that it WASN'T false reporting. How is it not? They admit to debt being paid and also admitted to reporting it had not been. That is textbook " false ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THERE ARE 2 PREVIOUS ADDRESSES THAT DO NOT BELONG TO ME

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 2021-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Leaders Financial Company
State: NJ

Complaint narrative:
Im constantly being remind of my younger days and its hurting me now. Lost my job and was not able to pay for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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'm trying to refinance my home but i have accounts that are reported on my credit report that the credit bureaus won't remove.

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 2021-01-26 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: CA

Complaint narrative:
I'm trying to refinance my home but i have accounts that are reported on my credit report that the credit bureaus won't remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Account paid In full only late 2 times in 4 years agency wont remove inaccurate negative items nor update account as paid

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 2021-01-26 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: GA

Complaint narrative:
XXXX  is reporting inaccurate inquires on 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