vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest sent my a letter attempting to collect debt for an alleg account with XXXX I responded in a timely manner I let them know this account. Didnt belong to me as a matter of fact or just got deleted from my credit report I received no notice that it would be reinserted but southwest decided to insert this account on my credit report a pure violation after it has already been removed. Once again ITS NOT MY ACCOUNT PLEASE REMOVE FROM MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: FL

Complaint narrative:
This is a bit of a long story, but I will explain best. All the detailed information ( dates and notes ) can be attained through the itinerary number in the attached email. 

I have a Chase Sapphire reserve card, where I pay the premium fee for certain benefits. One of them is their travel insurance and travel booking features and points. I booked a flight via chase travel on XXXX XXXX to XXXX that cost about {$10000.00} for 2 business class round trip flights back on XX/XX/XXXX. The Covid lockdowns and restrictions at this time have not started. My wife the day prior to the flight fell XXXX  with XXXX and was absolutely not able to travel. I obviously had to cancel the trip and was promised that the travel insurance would cover this. I submitted all the medical documents and the travel insurance associated with Chase travel rewards, accepted the documents. After some time, as it was delayed, I was told that while the documentation was accepted, the refund would be issued as a travel credit to XXXX XXXX due to XXXX XXXX travel policy. After about 4 months of fighting this and spending hrs on the phone, it was clear I was cheated out as using XXXX XXXX travel credit was not going to happen. The insurance company clearly did not want to pay, so they sent the bourdon to XXXX XXXX to pay. Needless to say, I received an email finally on XXXX, XXXX stating that my refund will be processed and it will take 2 billing cycles to process. I've called many times during that period and most of the calls it seems that they will not process, even though it is in writing that it was approved. It is now almost XXXX, XXXX! I did speak to one friendly leady who did say she will take care of it and get it to process, but nothing after, and when I called to check the status, they said no refund is set to process. It is clear they want to keep my money, place blame on other departments and not pay. This process has been a year and a half battle of talking to them, reaching out to various legislatures, media, and so on that lead to no where. I have also incurred quite large bill of interest payments I've had to make on that {$10000.00}. 

Thank you and Please Help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Google Compare Credit Cards Inc.
State: WI

Complaint narrative:
On XX/XX/21 Google XXXX took {$200.00} worth of charges without my authorization, off my debit XXXX. Now my account only has a balance of XXXX. I've reached out to Google. 
I'm very upset, I can't get through to the XXXX numbers provided online. I've even tried to download a dispute form from offline. This was to no avail. 
Please help me get my unauthorized charges credited back to my XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
A few months ago, I received several letters of notice from XXXX XXXX XXXX to my address with another person 's name ; each one I returned with - no such person at this address. Shortly thereafter, I began receiving phone calls from XXXX XXXX and Sunshine collections. Sometimes they leave a voice mail, sometimes not, but I receive between 7-12 calls per week. *** I have checked my credit report and verified that I have no outstanding debts listed. *** I am the XXXX for the Estate of XXXX XXXX XXXX, deceased XX/XX/2021, so these two creditors may be calling regarding his past due accounts, but they do not give me any information, other than a recording to call them back. Based on what little information I have, I believe the below are the accurate links to each company 's profile on the XXXX  website. 

Sunshine ( XXXX XXXX XXXXXXXX ) 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 2021-09-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I asked for a lease extension or forbearance on my monthly payment in XXXX. My request was denied. When I made the request I informed Acura that I went from making XXXX a year to XXXX a year due to the pandemic. Even though I no longer need the car due to me having to accept a job in a different state so that I can have some sort of income coming in. A lot of the XXXX XXXX  closed because of covid and the delta variant has cause a delay with other XXXX  contracting me to XXXX XXXX. I have spoken to Acura several times and the rep can not tell me WHY my request for assistance has been denied and they have put in four " tickets '' for a supervisor to contact me back. I have yet to receive a call from a supervisor. I receive calls from representatives asking for a payment but they say the same thing and require that I call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XX/XX/21. I initiated a {$3000.00} balance transfer from an American Express account to XXXX. The transfer was accidentally initiated using an old Amex Cash Magnet account that had been closed. 

I have verified with XXXX that they sent {$3000.00} transfer funds to the old Amex account on XX/XX/21. 

My current Amex account is a Platinum card, which is the one I intended to transfer the balance from. I have called Amex several times, speaking to XXXX XXXX and XXXX, asking to have the {$3000.00} credit moved from the old Cash Magnet card to my current Platinum card. They have identified the issue, but can not tell me why my current Platinum card still does not show the {$3000.00} credit. 

XX/XX/21 I still being told to allow more time for credit to post. I want this issue resolved, either through a statement credit, or check mailed to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OZK
State: MD

Complaint narrative:
This is regarding early pay off of my Mortgage. I closed on this loan in XX/XX/XXXX. I was told that this loan had a penalty if paid off before the one year anniversary. I attempted to pay off the loan in XXXX, XXXX which is 2 years and 4 months after the loan began, well after the one year anniversary. When I called to get the pay off amount, the agent first confirmed that there we were not in the early pay off penalty period. She then gave me the pay-off figure which included a 1 % penalty. She then said that the contract indicated that the pre-payment penalty was 1 % after the first year anniversary. She emailed me the contract. This was very concerning because our very clear recollection from closing was a 1 year pre-payment penalty period and we had a document from our mortgage broker clearly stating this. After many phone calls and intervention from our broker, we were told that there was a computer error and the issue was later corrected. However, this was not just a computer glitch as a person had viewed our contract and still indicated that we owed a pre-payment penalty. 
While I have successfully resolved this issue with the help of the broker, I am very concerned that others are being taken advantage by this lender 's unscrupulous practices. I am requesting an audit be completed of similar transactions ( pre-payment of loans and mortgages ) at Bank of Ozark. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inquiries need to be removed. I didn't give them permission to access my credit..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft .This creditor is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them i never applied for their card and they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called Experians fraud dispute department on XX/XX/2021, around XXXX XXXX PDT. I spoke with a male agent named XXXX in the fraud dispute department located in XXXX XXXX. After I was fully authenticated, XXXX asked what I wanted to dispute. I told the XXXX I want to dispute two ( 2 ) hard inquiries because Im the victim of identity theft. XXXX then did an improper hold/transfer procedure. He transferred me to a different department without explaining why. I did not consent to being placed on hold nor to be transferred. He interrupted me with the transfer process. 
Then I was transferred to the membership resolution department for consumers who have a premium membership, however, I recently canceled my membership and do not want a resolution fraud specialist because they require a specialist to call me back in 24-48 hours. Why would I want to wait 24-48 hours to speak with a resolution specialist when I was ALREADY speaking with XXXX in the fraud department to file a dispute regarding two hard inquiries. The length of time to dispute two hard inquiries with XXXX would have been only a few minutes. I then called back and spoke to the fraud department and filed my disputes. I should not have to be required to call back to file a simple dispute a second time. This is unfair and abusive practices.

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian has received an official identity theft affidavit and I am uploading this as well for XXXX XXXX to block XXXX XXXX illegal debt record on my credit consumer profiles. They are all breaking the law under section 605 B. Additionally I have given XXXX XXXX the police report numbers from the XXXX XXXX XXXX police department reportXXXX, report-XXXX, report-XXXX, report-XXXX. Which they have failed to retrieve under section FCRA 623 they are duly responsible to do a 100 % complete and accurate investigation which they failed to do. If I dont send the police reports doesnt give XXXX XXXX the legal right to report to a consumer reporting agencies anyways and then state it is verified and accurate which is false and a crime. The REAL FCRA LAW STATES : They have the sole grave responsibility to retrieve all documentation which is the XXXX XXXX police department reports in regards to the identity theft and fraud and do a thorough investigation with 100 % completeness and accuracy. This is the real law! I will win easily in third district court once litigation proceeds and a judge sees all this documentation. Experian has reviewed and received this current FTC identity theft report there response is attached. Which is valid and active. Additionally Detective XXXX XXXX from the XXXX XXXX police department instructed me to file with the FTC for all identity theft related reports back in XXXX for all identity theft and fraud that occurred. I am requesting the CFPB document this pattern of willful abuse by XXXX XXXX and Experian for abusing the law and the misinterpreting 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 non-monetary relief
Consumer complaint received 2021-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Received credit inquiry from Kohls on XX/XX/2021. Inquiry stated wrong address input, further investigation required. 
I have no knowledge of this inquiry and no credit application was completed. Also, input address is not my current or previous address. Possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have sent Equifax OVER A DOZEN disputes over the last 18 months or so. This last CFPB complaint was sent because they decided they were not going to respond to me within 30 days. Quite amazingly, they received this CFPB complaint, just to wait EVEN LONGER than the first almost 45 days from the original dispute and STILL have not done an investigation and presented me with the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-09-24 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: PA

Complaint narrative:
I called the reporting agency ( EXPERIAN ) and tried to get the information corrected on my consumer report and the representative a Ms. XXXX would not help me stating that I am to contact the CFPB if i wanted my consumer report corrected.

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 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On SeptemberXX/XX/2021 my checking account was overdrawn due to automatic withdrawals. I made a conscious effort to pick up two paychecks from one of my jobs- having to leave early from one of my other jobs to do so and deposit before midnight on PST. I opened my account on SeptemberXX/XX/2021 to notice that I had only {$7.00} available for use which was much less than I was expecting. This was due to 3 overdraft fees of {$34.00} charged to me even though I had put money in to cover the overdraft amount. I called in on Sept. XXXX to Chase Bank using the customer service line provided on the back of my card and was told I was not approved to have the fees refunded. I asked to speak with a supervisor and was told I would get a call back. I received a call back from a manager or a supervisor today, XXXX XXXX at a Branch in Florida who would not even consider refunding the fees even though I told him the entire story. After a lengthy and heated phone call I have placed an email to the Co-head of the company and am awaiting a response. What has finally lead me to complain to the CFPB is not only these three fees, its the abusive fees I have been receiving every 2 weeks which is preventing me from ever maintaining a positive balance. I am an XXXX, I work in healthcare and have through this entire pandemic. I decided to go back to school and do not qualify for much government assistance so I am working 3 jobs to get me through school and attempt to pay my bills. I have been $ XXXX {$800.00} overdrawn due to overdraft fees specifically at any given time. I can not come out from under them, it is a vicious cycle. I went to count the fees I have spent to provide them with an actual number but stopped at 100 fees that were all charged within a 12 month period. That is almost {$4000.00}. That could have been 3 months of rent for me. That is 2 months of my tuition. That could have covered groceries, months of phone bills, credit card statements, etc. It is so painful to think what that could have been applied to. Instead, it went toward absolutely nothing. To pay the institution that is supposedly keeping my money safe. I am exhausted, I am overwhelmed and looking for help out of desperation. I am not asking for {$4000.00} to be refunded for the year of overdraft fees. I am certain if that is what I paid just for one year, then Chase Bank has made at minimum {$10000.00} off of me alone in the years that I have been a Chase customer. I am mostly looking for Chase to have a little bit more mercy when it comes to these fees and have them consider refunding SOME of the fees to get me through until my next payday with a positive balance. I work hard for my money, it belongs to me and I feel like Chase is stealing from me every time I have a direct deposit hit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: FL

Complaint narrative:
Inquiries need to be removed. I didn't give them permission to access my credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: FL

Complaint narrative:
I am a victim of identity theft. Please sse identity theft report attached. I have consistently, since the beginning of the year, disputed fraudeulent accounts of various amounts and duplicates upon duplicates, that are the results of identity theft on f the selling and reselling the fraudulent accounts on my credit profiles on all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles, anyway.

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