vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called chase to dispute XXXX transactions. Two transactions were fraud and one transaction was canceled on the same day just minutes after purchase because I wanted to use another company 's product. 

XX/XX/2021 - {$280.00} ( reported as fraud by me ) XX/XX/2021 - {$100.00} ( reported as fraud by me ) XX/XX/2021 - {$140.00} ( reported as canceled with the seller on XX/XX/2021 by me and I was informed I would be refunded ). 

The bank disputed the transactions and applied a temporary credit and told me I would be contacted to get further information with their investigation. On XX/XX/2021 the temporary credit they applied was reversed, I called the bank to see why my credit was reversed. The claims representative told me that it has been over 60 days since the transaction happened so they will not dispute it and I should have called within 60 days of the transaction happening. It was very much impossible for me to call in at the time because my family has been dealing with XXXX and XXXX deaths in the family for the entire year of 2021. Also just so you can understand how crazy of a year it's been, locally we are still under a state of emergency, and national we are still under a state of emergency. If they contacted me during their investigation I would have definitely been able to explain that XXXX has been impacting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
On my XXXX Credit Report I see a Hard Inquiry on XXXX, 2021 from NETCREDITXXXX I didnt request any new loan or credit card in months. So this Hard Inquiry was not authorized. I have sent emails to this company, their response- they wanted me to log into my account- which I do t have to continue communications with them. I responded that I dont have an account or login, I havent receive anymore communications from them I have sent letter to both XXXX and XXXX notifying them that this was an unauthorized inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Dispute Case : XXXX Case : XXXX Response : On XX/XX/XXXX, due to a glitch in the app I was using ( XXXX ), two hotel reservations were processed that I did not intend to make. The first hotel reservation charge was for {$190.00} for XX/XX/XXXX, and the second reservation charge was for {$390.00} for XX/XX/XXXX. 

I initially attempted to contact XXXX directly to cancel these reservations as I had not authorized them, but unfortunately, they did not have a customer service line. 

I then proceeded to contact both hotels where the reservations were done to attempt to cancel the reservations but was told that they could not do anything about the situation and to contact the third-party app. 

After not being able to cancel the pending charges, I contacted Capital One on XX/XX/XXXX to block these transactions as I never gave authorization and/or permission for the reservations. Capital One stated that I should let the transactions be processed instead of blocking them and that I could call again after and submit a dispute. The disputed transactions were processed on XX/XX/XXXX. On XX/XX/XXXX I submitted a dispute with Capital One and was given provisional credit for the total of the 2 transactions ( {$590.00} ). 

On XX/XX/XXXX, I received a letter stating that the provisional credit had been reversed stating that the merchant had sent documents showing their cancellation policy and I was asked to show proof of my attempts to cancel these reservations., I immediately contacted Capital One via phone and explained that I had no evidence of my attempts to cancel the reservations based on the facts as stated above. The customer service rep. did acknowledge that their records did show that I called on the XXXX and corroborated that I was told to let the transactions be processed and then submit a dispute. I submitted my statement as evidence but was told it was not enough and Capital One closed my dispute and told me to resolve the issue with the merchant. Capital One should have blocked these transactions in the first place as I called before the reservation dates and they ended up both being no shows.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Opinion..sadly a scam. They never post a drop in debt to income and the report rarely changes because it is NOT REAL TIME. FURTHERMORE unauthorized used hit my credit dropping the score. I can not shop without getting a lower score. This is by all facts and hundreds of reports a fraudulent system. I submit my score only to he told it's XXXX or XXXX points lower band then I'm told they use the credit bureau score. If so how can their score be lower. Because they use their own algarithims and credit reporting suppliers. Giant scam.example today... paid debt but score dropped XXXX XXXX Learn more XXXX Data XX/XX/2022 XXXX Fair XXXX See all 3 Bureau XXXX Scores Credit Usage 89 % Total Debt {$160000.00} Open

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 2022-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased three items XXXX  {$2.00}, XXXX at Best Buys in XXXX  NY XXXX in the store on XXXX. The delivery and installation to be made on XX/XX/XXXX and XXXX. 

Note I opened a Best Buy house credit line with the understanding I would be billed after delivery and installation. 

On Friday XX/XX/XXXX Best Buy the credit statement bill in the mail with a due date of XX/XX/XXXX I contacted Best Buys Credit customer service and complained that I should be forced into making a payment for goods not yet delivered or installed only to be told that if I did not make a payment I would be assessed a late charge and interest. 

On Thursday XX/XX/XXXX I was informed that my delivery and installation was delayed and I would not get delivery until until XXXX XXXX Due I have recourse. This appears to be illegal?

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 AXXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of XXXX XX/XX/2021 XXXX XXXX  NA Date of inquiry XX/XX/2021 XXXX XXXX XXXX  NA Date of inquiry XX/XX/2021

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 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I do not have a contract with Porfolio Recovery so they will need to remove item from credit report. I have no knowledge of this company and if they bought a debt then the debt is paid but i dont have any contractual obligation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
I was denied for a loan on the basis of not being able to provide a copy of my college transcripts. When I called in the representative that I spoke with on the phone told me that it was okay not to have them and that most people are able to provide copies. I believe that I'm being treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account is currently in restricted for over 7 years and I paid the bill in full and its on my credit report. Capital One acct ending in XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have been trying to cancel an American Express credit card for 18 months but keep getting charged additional fees and penalties since then. 
On XX/XX/20, I contacted American Express by phone and requested the account be closed. 
The Cardmember Agreement clearly says, " You may close your Account by calling us or writing to us. '' However, AmEx did not close the account but continues to charge fees, interest and penalties, currently totaling {$620.00}. They have referred the matter to a collection agency, XXXX, who is harassing me about payment. 
In multiple calls I have made to try to resolve this issue, agents claim incorrectly that closing accounts must be done in writing, contradicting the " Cardmember Agreement. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I communicated in good faith multiple times with Comenity I was not receiving my card. They offered to send a new one ( again ) multiple times and I explained that would not help, and I suspected my mail was caught in some sort of forwarding loop, because Id been seeing other parcels with multiple forwarding stickers, arrive months late. On the third time I called, I asked them to please XXXX the card to me directly, because Id been spent numerous hours trying to resolve the forwarding issue with the post office and was still having mail delays. They refused to XXXX the card, and I said Ok, if you wont send me my card after Ive called twice to explain the issue, Im closing my account immediately. This was XX/XX/XXXX. I paid off the balance and any fees at the time and believed I was doneat this point I was really frustrated, by the refusal to send the card ( a request readily obliged by other cards ) by XXXX, and the ongoing underlying issue with the post office. When I closed out they didnt mention that since my due date was XX/XX/XXXX, that any late fee ( because I still had no card, and paid on XX/XX/XXXX ), wouldnt show up until the following billing cycle. I had already spent hours on the phone trying to clear this up, and when I saw I was being charged AGAIN for a card I NEVER received, my lid nearly popped. Not my finest hour, and I suppose I was filled with righteous indignation. Apologies to whomever I spoke to that day. 

Im not an irresponsible XXXX pay my debts, and am diligent and courteous, and its not about the amount there was no customer service and no willingness on comenitys part to try and find a reasonable solution to a simple external problem. 
Funny enough The card did arrive two months ago, with the wrong address, and multiple forward stickers. This process has been tedious and infuriating. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: WI

Complaint narrative:
XX/XX/2018 I signed with Freedom Debt Relief. The agent was XXXX XXXX. The plan was 48 month term or less were Areys words. I explained I lived on a fixed income and my money was limited and I agreed to pay {$450.00} a month for 4 years. We went through the enrollment process. I electronically signed documents and made the first payment of {$220.00}. 
Now that the four years are up some accounts still have not been resolved and two accounts still have not started negotiations. Now that the 48 months are up Freedom Debt Relief tells me 48 months was just an estimated target date. XXXX never mentioned the word estimate. I do have the entire conversation recorded-never mentioned the word estimate. I called to have my bank information deleted since my last payment had been withdrawn. I was told I still owed over {$5000.00}. She threaten me that all unresolved accounts would go back to the original status and I would have all this debt to pay on my own and no money would be refunded to me. This all is very frighting to me. Im being lied to and XXXX. I can not afford to pay the {$450.00} each month for the additional years FDR has added to the account. I did notice Settlement Fees for thousands of dollars each several times in the payment process which could be part of the problem. I need help. Where do I go or what can I do at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a customer of Chase Bank for over 25 years. On XX/XX/XXXX I inboxed XXXX XXXX on craigslist regarding a XXXX XXXX  she was selling for {$700.00}. XXXX stated she just order the XXXX from XXXX and it will be delivered on XX/XX/XXXX, due to high demand, the XXXX was first come/first serve, and we had to make payment to secure we received the item which was XX/XX/XXXX. I XXXX XXXX XXXX {$700.00} on XX/XX/XXXX transactions # XXXX on I attempted to contact XXXX on XXXX to follow up with deliver, I got no response, I called from 15 different numbers and still no response. I contacted XXXX on XX/XX/XXXX this the day we were supposed to receive the XXXX, and the number didnt work, at this point, I knew I got Scammed, I immediately called my Bank Chase and reported a claim. After speaking with several Supervisors I was told, they would recovery my claim for {$700.00}. I received a letter from Chase on XX/XX/XXXX Stated we Agreed that the claim was rejected. I never Agreed to Anything, the letter chase provided is not true, I was told Chase could not recover the funds. I Never received a code chase provides to confirm transactions and I never agreed. I was scammed {$700.00} for a XXXX that was never received. I reported the scam on XXXX and the FBI report. XXXX XXXX bank Declined the one time courtesy request from chase. XXXX XXXX  XXXX is XXXX Bank and I need help from CFPB to help recovery my funds. XXXX needs to be shut down and Chase needs to refund my money ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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:
The credit bureaus have constantly disregarded my request for investigating and reinvestigating my disputes. I have noticed multiple discrepancies on my credit report and have made multiple disputes with the bureaus. Which under the FCRA, if the credit bureaus don't investigate a dispute or notify you of the dispute then that is as direct violation. 

Also, it is a violation for the credit bureaus to be report any unverified/unvalidated and inaccurate information on a consumer 's credit report. If the information that is reporting is incorrect, unverifiable, and/or can't be validated with proof then the bureaus have to cist and desist the reporting, and then it has to be immediately deleted/removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I do not have a contract with XXXX XXXX so they will need to remove item from credit report. I have no knowledge of this company and if they bought a debt then the debt is paid but i dont have any contractual obligation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
My mortgage company, Rushmore Loan Management is claiming that i have over XXXX in late payments. I have made every payment in full since I got out of my bankruptcy case. They are claiming that I am late with my XXXX XXXX payments. My statement stated that I owed XXXX for that payment, which was due on XXXX XX/XX/2021. On XXXX XX/XX/2021 I mailed a cashiers check for XXXX to cover that payment. on XXXX XXXX they cashed that check and credited that payment to my account. I was even sent an email that my payment was posted to my account My next statement on XXXX XXXX reflected that they had received and posted that payment to my account. and, that my next payment due on XXXX XXXX was XXXX. I paid this amount via cashiers check that was posted to my account on XXXX XX/XX/2021. 
On XXXX XXXX I received an automated call that my payment of XXXX was late. I tried to call them and got no answer after waiting on hold for a long time. I used their messaging service to tell them that I was not late with that payment and attached copies of the check, statements and a copy of the email that confirmed that they received my payment. 
My next statement dated XXXX XXXX showed that they had removed the payment of XXXX from my account and the total due for that statement was over XXXX. ( The supposed late payment of XXXX, the current payment of XXXX and a late charge. ) I have sent numerous messages with copies of my statements, canceled check to every office that I can. With the only response that they are saying they took over the mortgage during the bankruptcy and it was two payments late. That may be true, but that was cleared up by the bankruptcy court and Rushmore and I was paying with was reflected on my monthly statements. They are not properly crediting my account and now threating me with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
balance was paid before closure of banks and is not showing on XXXX systems.

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 2022-01-13 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: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2017 {$1100.00}, XXXX XXXX XXXX XXXX XX/XX/2017 {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc.
State: CO

Complaint narrative:
I was in a domestic issue with my ex-boyfriend and I had lived at XXXX apartments, he beat me up and I had to call the police to save me and my son because of this I did have to move to protect my son and myself and under the " Safe Homes Act '' in Illinois they should of never put this on my credit. I had sent in all my information to dispute the account to XXXX XXXX XXXX on XX/XX/XXXX and called multiple times and they still said it was in processing they took 31 days to finally decided what to do with it and sent it to XXXX XXXX XXXX on XX/XX/XXXX and that was day XXXX. With the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to verify the information within the 30 day time period, then they must delete all of the disputed accounts from my report. The reason they said they sent my account to XXXX is because i was out of the state of Illinois but when I sent over paperwork and started calling them on XX/XX/XXXX they knew that I wasn't in the state of Illinois.

Company response to consumer: Closed with non-monetary relief