vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 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: DC

Complaint narrative:
I booked the XXXX XXXX & XXXX by XXXX, XXXX XXXX XXXX room through Ultimate rewards portal on XXXX XXXX, 2019 ( Itinerary XXXX ). There was no explanation that the hotel was under construction on the Chase website. However, at XXXX there was construction and banging outside the our window. After a long flight the previous night the construction was quite disruptive. After asking for a refund from the front desk they told use that since the room was booked/paid for through XXXX only Chase could refund it. So we left the hotel and called Chase to ask for compensation. The chase rep refused saying that the hotel was the final arbitrator of whether to give the refund and it was the hotel 's fault for not updating their listing through the app. I find this unacceptable. 

Ultimately, Chase falsely advertised the room. They have the power to compensate me accordingly for this bate and switch/horrible experience. I have attached a photo of the view from our room.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened a checking account with HSBC bank in their XXXX, CA branch in 2018, with a promise of {$350.00} bonus if I deposit {$10000.00} for 6 months. 

However, I never received the balance despite depositing over {$10000.00}. 

I have raised the issue multiple times with HSBC, and they always claimed that they needed to launch an investigation and keep me informed of the outcome. However, I have never heard from them about any outcome.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: FL

Complaint narrative:
Equitable acceptance called me just about two years ago and informed me that the only way for me to lower my payment option on my loan was to go through a company that services loans. After several misleading questions they managed to make me believe that I was unable to lower my monthly payments without their services. I agreed since they informed me that it would be a third of what I was currently paying. Come to find out I didn't need their services to lower my payment and they scammed me into paying them more than what I'm paying towards my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I recently acquired a new credit report with some strange company named Midwest Recovery Systems on my credit file. I have no clue what this is, who this and why it is on my report. I looked up Midwest Recovery Systems and enjoyed reading about this company. According to the XXXX, they have over 875 consumer complaints regarding falsification of documents and attempted collection tactics. I also discovered numerous lawsuits that they concurred by attaching a collection account to a consumer that does not belong to that consumer. Peculiar enough, sounds like a familiar situation. I even found a small community, that is going through or dealt with these thieves in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased a leather 3 piece leather coach, loveseat and lazy boy from HHGregg in XXXX of XXXX. When I received the furniture the coach had a hole in the back and HHGregg had a repair company to call me and I scheduled an appointment. I took off work for the appointment and no one showed up to later find out that HHGregg had shutdown. I keep trying to contact someone and was unable to contact anyone at HHGregg. In XXXX of XXXX HHGregg added {$2400.00} on my bill for deferred interest. I contacted synchrony bank whom handles the payments and filed a complaint. I should not owe anything for a damaged living-room set that they never repaired. It was very unprofessional to have a company schedule me an appointment and no one called to say that they would not be coming out because HHGregg went out of business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Please see a copy of my letter to Citi that has been attached. It is dated XX/XX/2019. As of XX/XX/2019, Citi has not responded. It has been five weeks, and Citi has ignored my letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal made my remaining Account balance available for me to withdraw as 180 days had passed since my Account was limited and they notified me of this decision via email. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is currently not showing a credit number for me. The other two companies are. The company has told us if we get a membership we could " boost '' our credit. We tried this option and they want to connect to our bank account and we do not feel comfortable with that especially considering their recent credit breach. BUT we tried anyway to " boost '' our credit and they do not support my credit union. I feel like this agency 's practices are not ethical. In addition the agency 's are showing that my mortgage was discharged in bankruptcy and it was not. I still live in the home, my name is on the bill and I pay the mortgage every month. They also told us getting their credit card could help. I applied and was approved, again a conflict of interest and ethically questionable. How can the credit agency make these demands to give us a credit number?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was looking into a home purchase when I had my credit pulled last month and I found Fraudulent inquires and accounts with companies I have never applied for business with and I do not recognize these companies. I am not sure if someone is using my name for utilities or added me on accounts they are definitely not accurate. 
The following accounts are fraudulent please remove/delete : 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX # XXXX 3.XXXX  XXXX XXXX # XXXX 4.XXXX XXXX XXXX  XXXX XXXX 5.XXXX XXXX # XXXX Unknown inquiries : XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: DE

Complaint narrative:
HIPAA VIOLATION According to a recent copy of my credit profile AMERICOLLECT is reporting an alleged debt owed by me. I responded by sending a letter requesting validation of this debt to which they have responded. Their response is a clear violation of my rights according to HIPAA.

AMERICOLLECT did NOT provide me a HIPAA release that releases my medical information to them.I am aware that HIPAA does allow for limited information but anything more is to only be revealed with the patient 's authorization. 
Acct # XXXX / XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There was fraudulent transaction done at a teller and they say that my claim is closed with out giving me additional information There were 2 fraudulent transactions on my account made at a teller simultaneously on XX/XX/XXXX which was a Saturday.A stolen check was deposited in my account for $ XXXX and a withdrawal for $ XXXX was made with a teller.. I filed a complaint they suggested as there has been fraud on my account that I should open a new one which I did on XXXX XXXX.. When I made the claim they told me the $ XXXX that was withdrawn was a check and that it takes about 2 months to investigate.. they did put the $ XXXX back in my account so l just kept moving forward waiting to hear back from them.. on XX/XX/XXXX I receive an email stating that the case has been closed and not in my favor as the ID matched what they had in their records along with the signature.. both are lies, my license has been expired since XXXX and it was actually revoked around that time and I never got a new XXXX, so when I opened my account the ID that I used was my passport which they confirmed when I spoke to them today XXXX My signature is pretty simple but I've been signing my name the same way for years and I guess lesson learned.. I have spoken to countless people to no avail.. they pretty much say that as it's not a large sum of money by Bank of America standards they are not going to help me.. they will not disclose any information to me like a copy of the deposit or withdrawal slip which they used as evidence to rule against me.. they will not tell me the branch or even what state the transactions took place.. everyone I talk to makes me feel like I am wasting their time even though is MY money.. today XX/XX/XXXX Bank of America had move $ XXXX worth of funds to the new account to cover the {$2500.00} that they took withdrew from my old account which has not been closed as the investigation is still pending after I filed a complaint with the OCC.. i did get a call from a XXXX XXXX from the Bank of America complaints branch but still have not heard anything back I filed a police report as well and have been following up with them.. it's very difficult to believe that I have to jump through so many hoops to get MY money back.. I have attached copies of the fraudulent check that was deposited.. I did call the company on the front of the check and their company checks were stolen and they had {$50000.00} worth of fake checks written one which was put into my account the signature on the back of the check does not match mine which they stated. I have attached the police report, a screen shot of my online banking which shows the 2 transactions as well as the 2 emails that I received from them explaining why my claim was denied

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In 2017 I started using equifax credit monitoring service to monitor my credit and something happen because my information was stolen. I have several people in Texas open account under my name and are using my information to find employment. I never experience this until I use equifax monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
I had a XXXX XXXX  for 3 years and vw credit. payments made perfect and on auto pay. never a issue. Then I get an XXXX. Its Vw credit or is it audi financial services, who knows. Poor poor communication.. The Truth is  there the same. The dealer handled everything and we did the auto payment again.. By the way they report as Vw credit on credit report but they claim they are Audi financial services. Well The lease was getting going and I had to make the first couple payments per dealer so all the paper work would kick in then the auto pay would start. Well then I did paperless billing which is a mistake because somehow the XXXX and XX/XX/XXXX was not taken auto pay as I understood was going to happen. I didn't get any email that would have alerted me that a payment was past due. They just send a email like access to see monthly statement. No alert whatsoever. Must be saving on employees and as result poor service and communication. I regret I did there paperless because if I was getting the regular mail I could have spotted it. Now I changed it back to mail because I dont trust Audi. Then on XX/XX/XXXX I just so happen to answer some ambigiuos telemarketing call, well yep it was a robo call ( saving money on employees perhaps ) and it was audi financial service saying that I was due for 2 payments which shocked me. Whats interesting is they had my bank account information but didn't take the payments. There system and web site is very unclear.. could be a XXXX disconnect thing, I Dont know. Then I needed to call Audi and tell them its ok to make payments and I get mad why they were not auto taking the payment like I have done for past 4 years. Instead I get some arrogant know it all sounding person and then when I asked that I should not be reported late because this was there technolgy servicing failure in addition failure to communicate they refused.. Its there sales people and there technolgy that failed and failed me.. No more Audi 's or Vw ' ; s I was so mad. Cant rely on sales people, cant rely on servicing and all there passing around of financial paper and then Im the one that had my score drop 80 points because of there screwed up sytems and process.. VW credit reported on my credit. Vw credit was given FULL authorization and it worked perfectly. But they like to pay the game to say they are not VW credit instead they are Audi financial service. Well if thats the case and they are not all one then why are they incorrectly reporting a late payment that should have never happened if they were competent to my credit and handling the account ... LAZY mixed up company out of touch with a good  credit never late paying client.. Foools I have disputed late payment with all bureaus and want that late removed.. I asked them for removal letter and they refused ... unbelievable company.. well they loose, no more audi or vw EVER

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Figure Technologies, Inc
State: AZ

Complaint narrative:
In my XXXX credit report, I found Figure made a soft credit inquiry on XX/XX/2019. According to Figure 's website, they are a home equity company. We have never had nor have we ever requested a home equity loan. Due to the growing problem of title fraud, I'm concerned about Figure 's  request for my credit information. 

Figure information - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA, XXXX Customer Support : XXXX Website : XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: AZ

Complaint narrative:
I have tried on several occasions to verify the said debt of {$1000.00} with Portfolio Recovery Associates LLC ( PRA ). In XX/XX/XXXX the item was disputed with all 3 major credit bureaus which should have triggered a full investigation to validate the debt. PRA simply responded with a copy of a statement showing a balance of {$1000.00}. They indicated the debt was transferred from XXXX XXXX. This balance of {$1000.00} is being disputed. I have asked PRA to provide detailed statements showing how the balance was accumulated. Their documentation is not sufficient. The most recent statement which is dated XX/XX/XXXX only shows a final balance. The debt was disputed again in XX/XX/XXXX and I received another statement in response to the dispute. I sent these statements to the credit bureaus in XX/XX/XXXX and advised the debt is being disputed. The credit bureaus claim the debt was validated but they have not verified their method of validation. This information requested needs to be provided or removed from my credit immediately as this is a violation of FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management
State: DE

Complaint narrative:
HIPAA VIOLATION According to a recent copy of my credit profile AMERIFINANCIAL SOLUTIONS is reporting an alleged debt owed by me. I responded by sending a letter requesting validation of this debt to which their response is a clear violation of my rights according to HIPAA. 
AMERIFINANCIAL SOLUTIONS did NOT provide me a HIPAA release that releases my medical information to them. I am aware that HIPAA does allow for limited information but anything more is to only be revealed with the patient 's authorization. 
Acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation