vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 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.

Complaint narrative:
On XX/XX/XXXX I reserved a car for rental with XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. When I went to pick up the car I was informed I would need to pay more to have full insurance. I told the lady at the rental agency I did not agree with the terms, and that I had been told by the man the day before I had full insurance. The lady working issued me a cancellation notice and told me I wouldnt be charged. When I checked my statement in XXXX I realized that XXXX XXXX XXXX XXXX did not reverse the charge. I filed a dispute with chase card services. The representative told me not to send in any documentation unless requested. A few weeks later i received a letter saying that the charges were valid. I had not been given a chance to submit my documentation including my cancellation letter from the rental company representative. I complained and had the case reopened. I sent in proof to chase that I did not rent the car, I did not receive any services for payment. In fact I was not in the country XXXX XXXX XXXX XXXX when I had allegedly rented the car ( XX/XX/XXXX to XXXX ). I sent in hotel receipts showing that I could not have returned the car on XX/XX/XXXX because I was in XXXX XXXX, XXXX on that date. Chase eventually dismissed my claim and sided with the XXXX XXXX XXXX XXXX  company. Chase card services gave me a {$100.00} voucher for my time and money I spent faxing documentation and calling The dispute resolution office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: IL

Complaint narrative:
I opened the HSBC checking account with the promotional offer ( offer attached ). After fulfill all the requirements, I still don't receive the promotional XXXX dollars bonus. So I reached out to HSBC, they had asked me to wait for another 2-3 weeks, then I reached out to them again, they said they need to have marketing team to research for another 2 weeks. And today I reached out to them again, they told me i am qualified for the offer, because they claimed that I didn't apply through the promotional landing page. 

When I applied the HSBC checking account, I did save copies of the offer, and all the communications I had when inquiry on the offer details. Throughout the whole time since opening this account ( for more than 6 months now ), no one tell me I don't have this offer to my account. 

This is a very deceptive practice, should require CFPB to inquiry their practice and ensuring that they do not do this to trick customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Sent written letter to XXXX XXXX XXXX on XX/XX/20 regarding an account that was sold to them by Chrysler Capital for XXXX. Asked them for validation of debt but as of today still have not gotten a response for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: LA

Complaint narrative:
This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX ; I have no idea who this company is on my credit report. 

I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.

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 2020-06-12 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: LEXISNEXIS
State: AL

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I am writing to you about an entry listed on my credit report which I have tried to have removed. Apparently, someone with the name as mine filed bankruptcy in XXXX Alabama and it appeared on my credit report. Through the credit bureaus, I filed a dispute stating that someone with the same name had filed this public record and it was not mine. Unfortunately, it came back verified by your company Lexis Nexis and it is still listed on my credit report. 

Frustrated, I decided to contact the Bankruptcy Court myself and they informed me that they do not provide any credit bureau and information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on credit reports. I ask that you remove it immediately and notify their credit bureaus of this mistake. I also request a letter that can be emailed to me by stating this fact. 

Thanks, I am attaching both a letter from the court and a letter from your company stating that I am not even in your database. 

I also attached the letter from the Bankruptcy Court and driver 's license. 

Also. If you need proof that there is someone with the same name as me in the same state with the same birthday, I have attached that too. I am neither XXXX  or married as this profile says.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I am Being told that I owe a debt for something that i have no recollection of. Not only that i was out of the country on the dates being charged, therefore i know for a fact It was not Me. A company by the name of XXXX XXXX XXXX XXXX XXXX Account number ( XXXX ) claiming the amount of XXXX $ is owed. This company not only has never sent me a bill, but the time line in and of itself is questionable. why would a two month old debt be sent to collections and futhermore, how can this company claim they are owed by someone whom wasn't even in the country at the time. This is simply a means of malicious and illegal tactics to get money out of unsuspecting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I have tried to contact this company on multiple occasions and was not able to speak with someone that can give me an Acceptable answer of why I am being charged this amount. I have been sent an incorrect bill that I do not agree with.The amount of {$1500.00} is outlandish and is definitely NOT something I owe. I am being charged for things that are not correct and simply NOT TRUE. I have contacted this company on multiple Occasions and have gotten nowhere. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: LA

Complaint narrative:
This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX ; I have no idea who this company is on my credit report. 

I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.

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 2020-06-12 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: TX

Complaint narrative:
All Tree credit reporting companies was given over 45 days to resolve my complaint. I never received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

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 2020-06-12 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: TX

Complaint narrative:
All Tree credit reporting companies was given over 45 days to resolve my complaint. I never received anything from them.

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 2020-06-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All Tree credit reporting companies was given over 45 days to resolve my complaint. I never received anything from them.

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 2020-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: NV

Complaint narrative:
I already spoke to the Title Max. The reason for this complaint is because I need a 3rd party mediator to make Title Max follow the same instructions like any other Loan Company has done and should not be treated any different. Or I won't have a car. 

Please forward this to anyone that can help me and many others before it's to late. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: GA

Complaint narrative:
EXPERIAN FAILED TO PROPERLY VALIDATE THE ACCOUNTS THAT WERE DISPUTED. ALL EXPERIAN DID WAS RUN THE DISPUTE THROUGH ITS E OSCAR SYSTEM AND SEND ME BACK AN UPDATED STATUS ON THE REPORT. AN UPDATED STATUS WAS NEVER ASKED. THEY WERE ASKED ON MANY OCCASIONS TO EITHER PROVIDE AN ORIGINAL INSTRUMENT OF INDEPTEDNESS IN ITS ORIGINAL FORM OR DELETE THE FALSE ACCOUNTS REPORTED ON ITS CREDIT REPORT. THEY NEVER DID ANY OF IT AND THEY JUST KEEP SENDING BACK A LETTER SAYING UPDATED. THIS HAS CAUSED ME TO NOT BE ABLE TO OBTAIN 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 explanation
Consumer complaint received 2020-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I purchased a round trip ticket to XXXX in the amount of {$840.00}. Due to the coronavirus and border closure, my flights were cancelled. When this happened, the DOT had already released their notice to airlines/third party travel agencies that all refunds due to coronavirus cancellations must be processed in full and in cash. I attempted to contact the merchant ( XXXX ) first with no avail. Since I couldnt get ahold of the merchant, I proceeded to contact capital one to file a dispute. The dispute came back denied, so I again tried to reach out to the merchant. This time, I did get a hold of the merchant, only for them to blatantly not comply with the DOT notice, and actually be suggested to file a dispute with my card and a complaint with the DOT. I did both. I filed a complaint with the DOT and proceeded to appeal my dispute denial. With this appeal, I equipped Capital One with all necessary information including : a letter, proof of flight cancellations, and the DOT notice. My appeal came back denied as well because, VISA did not see an updated policy for refunding cancelled tickets due to COVID-19 on XXXX. I am now stuck with my money held hostage, and no one willing to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
I received debt letter from Coast To Coast Financial Solutions In XXXX XXXX which said I owed {$50.00} of XXXX XXXX XXXX, but XXXX XXXX XXXX never send me any bill! 

I tried to contact this company ( Coast To Coast ), but no one response me, untill XX/XX/2020 I contacted to XXXX XXXX XXXX and I paid FULL payment {$43.00} ( they give me some discount ) to XXXX XXXX XXXX on XX/XX/2020, but coast to coast financail solutions still charge me and they report to credit company decrease my credit score and I have a collection. 

I paid again {$51.00} to Coast To Coast Financial Solutions on XX/XX/2020 I paid twice because this bill. 

My Account # XXXX File # XXXX I use my chase credit card paid to XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX {$43.00} Paid {$51.00} plus {$5.00} ( fees ) to Coast To Coast Financial Solutions on XX/XX/2020 2020

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 2020-06-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: OK

Complaint narrative:
on XX/XX/XXXX I received it at midnight I received the text message saying that my XXXX and loves to lose fat is deposited into my PayPal account well when I check my car that I have in my account that I have wasn't nothing in there so first thing the next morning I called to find out what was going on seems like there was another new account open in my name all my information but it was on account that I never authorized or had access to a countdown but wasn't nothing more he can do we couldn't dispute the transaction they couldn't tell me nothing about the transaction or anyting it was very rude and disrespectful hung up in my face told me to contact the IRS at this point I still really don't know what's going on I don't know where my money that I don't know what happened to it I still don't know nothing

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 2020-06-12 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: MN

Complaint narrative:
There's a number of inquiries on my credit file inwhich i do not recognize nor did I authorize. I'm demanding that these fraudulent so called statement of facts unknown inquiries be removed from my credit file immediately.

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 2020-06-12 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: Remex, Inc.
State: NJ

Complaint narrative:
there is a company on my credit report called Remex and I don't know or never opened an account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: MN

Complaint narrative:
There's a number of inquiries on my credit file inwhich i do not recognize nor did I authorize. I'm demanding that these fraudulent so called statement of facts unknown inquiries be removed from my credit file immediately.

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 2020-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: MD

Complaint narrative:
This company gave me a short term loan and while paying this loan back unauthorized payment amounts have been taken from my account while my account balance remains the same and never reflects the new amount after payments were taken from my account. My bank will not stop the payment and I have repeatedly asked this company to cease and desist collections until the issue with my balance due is resolved. This company has since continued to take payments and my accounts past balance has not reflected ANY of the payments received by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: MO

Complaint narrative:
There's inquiries on my credit report inwhich I have absolutely any knowledge of, i did not authorize any of the following inquiries, therefore I'm demanding that they be removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Mr Cooper a division of Nationstar mortgage is my lender. Recently I was placed on a forbearance program where for 6 months my mortgage payments will be deferred. It was made very clear to me in writing that after the six months, all payments become due and payable immediately. It is very clear that the payments will not be added to the end of the loan. This is very predatory, and will result in many defaults including mine. I can't believe this is legal, the way they are taking advantage of the Covid situation. Please help me. Mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: EOS Holdings, Inc.
State: NJ

Complaint narrative:
there is a company on my credit report called XXXX and I don't know or never opened an account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Enhanced Recovery Company is falsely & inaccurately reporting. Enhanced Recovery Company is also not providing any response to debt verification requests.

Company response to consumer: Closed with explanation