vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 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: AZ

Complaint narrative:
I stayed at XXXX XXXX XXXX House in XXXX, XXXX for one night. We checked in on XX/XX/19 and checked out XX/XX/19. I prepaid {$500.00} for the room on XX/XX/19 ( non-refundable ). When we arrived I was told to sign the receipt for a {$430.00} deposit for " keys, minibar, damages ... '' After returning home I discovered that this business had no intention of returning my deposit and in fact steals deposits from people world wide. I received many nasty messages from the owner, one of which stated I would receive my refund in 3-14 working days. I never received the refund. 

This owner changes his lies as he goes as to why I will not receive my refund. The first was that I used the mini bar. There is no mini bar. I then contacted Chase to dispute this charge. As you will see in documents attached to this complaint, his lie to Chase was that the {$430.00} was the cost of the room, not the deposit. It even says on a document provided to Chase by him that the {$430.00} was for a deposit. I provided Chase 33 pages of proof, including the receipts for both the room charge and the deposit, bank records, messages from the owner that he was simply going to steal my money and much more. Chase has denied by dispute and has recharged my account for {$430.00}. When speaking to them on the phone they said they simply did not consider anything in the 33 pages I sent them. They said if a merchant charges someone, they make them pay, right or wrong.

I have attached copies of all of Chase 's letters to me as well as many of the 33 pages of documents I provided them, as requested. I can and will provide affidavits or anything else required to prove that Chase should refund my money stolen by this merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
on XX/XX/XXXX and again on XX/XX/XXXX I submitted a dispute with XXXX, XXXX XXXX and XXXX  in regards to an account that U.S Collections West had recently placed on my credit reports. The investigation results revealed that said account was verified as reporting correctly with all 3 bureaus. On XX/XX/XXXX I received a statement from U.S. Collections West dated XX/XX/XXXX showing a list of charges and an alleged balance owed to their client XXXX XXXX XXXX. I immediately contacted XXXX  to inquire about the matter and informed them of my dispute.The statement reflects a list of charges for supposed service that I do not recognize nor am I able to verify. Oddly all the charges are exact dollar amounts. The collection notice states a balance is owed in the amount of {$4200.00} .However the statement from XXXX reflects a different amount owed of {$1800.00}. I never received any communication from XXXX. On XX/XX/XXXX I sent a certified letter to USCW reaffirming my dispute and requested specific verification for the alleged debt. No response has been received. I have been unable to resolve this matter with either companies. U.S. Collections West continues to ruin my credit. AZDFI has reported that correction action was taken against their license for similar violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
Heartland ECSI is unlike other loan servicers when handling automatic payments. Each loan being serviced requires its own automatic payment. Here is the issue : I have a two loans with quarterly payments ( {$90.00} each ) .that did not enter repayment on the same month that I setup automatic payments. My automatic payment of {$90.00} is consistently {$90.00} short because the balance on the accounts are not met by the single payment.

ECSI did not make a reasonable attempt to clarify this nuance in their automatic payment policy and I have accrued many months  of missed payment fees as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
More than {$600.00} was taken from my Wells Fargo account that I did not authorize by way of my debit card. I personally went to one of the merchants and requested to see video of the person using the card. It was not me and I did not know the person. Wells Fargo has not reached out to the merchants as I did and request to see the same to rule out it was me using the card. Very unfair.

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 2019-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: AZ

Complaint narrative:
Suntrust closed my account immediatly after i deposited a check n XX/XX/2019. I have been repeatedly lied to by them, first they told me it was closed then they told me it wasn't, then they told me it was under investigation, then they told me i would receive my money in 15 business days, then they told me it was frozen. The check i deposited was from my sister who gave it to me to pay my bills, i havnt been able to pay my bills, my phone is disconnected, i cant buy food, and it is XX/XX/XXXX so Suntrust bank has kept my money for over 1 month and they will not give me details. I havnt been sued so they have no reason to be doing this 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 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
My boyfriend and I bought furniture from XXXX  with XXXX  card through the store, they went out of business and XXXX  changed the contract without an notice and over charged us and added kate fees when nothing was late. They sold the debt to credit corps solutions. Credit corps solutions then decided to call me multiple times a day threatening legal action and threatening to call my boyfriends job. I asked them to stop calling me after I explained I do not owe anything to them and I am unemployed and a XXXX. They call me multiple times a day even after I said no more contact. They then decided to go forward and call my boyfriends job. Sending me threatening emails and continue calling me with these threats or not speaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was issued a check on XX/XX/2018 in the amount of {$11.00} due to my overpayment of the account. I waited past the allotted 180 days to deposit the check making the check void. I called to have the check reissued in the same amount by Capitol One with no solution to the issue. I have called Capitol One a total of 3 times spending 3+ hours on the phone with them which got me no where near a solution. They're claiming that they can not locate the information related to the previously issued check and I can not be issued a refund. I have the original check in the amount of {$11.00} but they still claim the information is not in their system. I just want my money that I'm entitled to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello, I have a collection notated on my credit report from XXXX XXXX and XXXX on behalf of XXXX XXXX. This is an inaccurate collection due to XXXX XXXX  payment posting to an incorrect account. This collection was immediately disputed with XXXX XXXX and XXXX XXXX was contacted and the collection was resolved. The collection is updated as paid but I believe it should be deleted. Both TransUnion and XXXX have failed to investigate my dispute which was submitted through XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I provided Statements from the Credit Card company showing the date of my first delinquency ( in XXXX and another in XXXX ). I also provided a letter from the Credit Card Company demanding payment and the current past due status of my account. This clearly showed my delinquency occurred in XXXX, and this is when the clock should start ticking regarding the 7 years this negative information should be published on my credit report. 

Based on the information in the supporting documents from the Credit Card Company it is clear this negative account has been posted to my credit report exceeding 7 years. 

Twice now, I have requested all references to this account be removed from my report and both times I have received a response that stated the Credit Card Companies data is correct, and by stating this I can only assume the information I have received from the Credit Card Company back in XXXX and XXXX is not correct or the Credit Card Company is currently changing the information to allow them to continue posting this negative account information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
On XX/XX/2019 I was contacted by Source Receivables Management at approximately XXXX XXXX regarding a XXXX collection. I informed them that this debt was paid in XX/XX/2019 through direct withdrawal. The woman was quite combative to the point, finally resolving to provide an email where I could send proof of the transaction. At approximately XXXX the same day they called again as an attempt to collect said debt, which is in violation of several laws and regulations set in place to protect consumers and is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services
State: FL

Complaint narrative:
Collection letters were sent by BYL Collections for apartment rental agreement that I was listed as a guantor. I never agreed to or even knew that my name had been used for this. I explained this to BYL and on XX/XX/19 they sent me a bill for XXXX with my adult son 's name and an unsigned Guaranty of Lease document. BYL has nothing in their possession that indicates that the collection is valid. They have not done their due diligence to verify the facts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE SOME GOALS I WOULD LOVE TO ACCOMPLISH SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2019-12-10 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: LJ Ross Associates
State: MI

Complaint narrative:
Hello, I have a collection notated on my credit report from LJ Ross and Associates on behalf of XXXX Hospital. This is an inaccurate collection due to XXXX Hospitals payment posting to an incorrect account. This collection was immediately disputed with LJ Ross and XXXX Hospital was contacted and the collection was resolved. The collection is updated as paid but I believe it should be deleted. Both XXXX  and XXXX have failed to investigate my dispute which was submitted through 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 2019-12-10 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: MI

Complaint narrative:
Hello, I have a collection notated on my credit report from XXXX XXXX XXXX   XXXX on behalf of XXXX Hospital. This is an inaccurate collection due to XXXX Hospitals  payment posting to an incorrect account. This collection was immediately disputed with XXXX XXXX and XXXX Hospital was contacted and the collection was resolved. The collection is updated as paid but I believe it should be deleted. Both XXXX  and Equifax have failed to investigate my dispute which was submitted through XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE SOME GOALS I WOULD LOVE TO ACCOMPLISH SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2019-12-10 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE SOME GOALS I WOULD LOVE TO ACCOMPLISH SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1. Equifax continues to place incorrect information on my credit report ex. ( XXXX, XXXX ) they have reported balances in the amount of {$5000.00} to {$7800.00} on my credit report with the balances changing concurrently. 

2. Equifax is in violation of the FCRA laws. 

3. Equifax did not have a credit score for me and now they are reporting a score of XXXX. 
My credit score was a 701 and now they are reporting a XXXX score w/o explanation. 

4. Equifax has closed all of my positive accounts without my permission or they permission of the creditors. 

5. Equifax has placed my credit file in a special unit without my permission nor are they telling me why it has been placed in such a unit. 

6. Equifax has someone in their special unit who is obviously either by mistake or on purpose putting erroneous and fluctuating information onto my credit report and I want a full investigation into the matter. 
It is my intention to file legal action against Equifax in the next 30 days if this is not corrected and just like XXXX XXXX who won {$18.00} XXXX dollar lawsuit against Equifax I also will win. 
I will be forwarding this information to the Federal Financial Judiciary Committee and the other government regulatory agencies as a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have applied for Best Buy Visa credit card on XX/XX/2019 and I was approved. I used the credit card for purchase 3-4 times and every time they used to look up my account in store using my id as I didn't receive the physical card. 

On XX/XX/2019 I went again to a Best Buy Store at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX for purchasing one item and I asked the associate ( XXXX ) to look up my account. I clearly informed him I already have the Best Buy credit card and he just need to look up so that I can pay with the Best Buy card. 

He told me we need to look up in some other system so please enter your details. I raised red flag saying I am not applying for credit so why you need details like salary etc. He said we need this to look up you exist in system. 

I told him that there should not be any hit to credit score but he was still adamant for me to enter the details like income on key pad After this step the associate XXXX said that you already have an account and now your can pay. Thankfully I got a XXXX   XXXX alert which notified that the store did a hard hit on my credit report. 
This is fraudulent activity. 
I asked for Store manager and his flat response was I apologize but we can't do anything Store General manager name : XXXX This is fraudulent activity by Best Buy and I will like to report this to Consumer Financial Bureau so that other consumers are not cheated like 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 2019-12-11 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: CA

Complaint narrative:
I bought items with my Chase credit card on Amazon for {$86.00} I returned all items to Amazon.They given me a gift card instead of putting on my Chase credit card as a negative.Spoken and sent all information to Amazon and Chase not resolved with both parties. I never asked for a gift card they just automatic given me a gift card they are forcing me to spend my money with them ( Amazon ) .I want a credit on my credit Chase card.

Company response to consumer: Closed with explanation