vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Recently my wife XXXX and I tried to obtain a new car loan. A collection appeared from XXXX XXXX XXXX that was purchased from Capital One. The account shows a XX/XX/2017 transfer date. The account is being intentionally re-aged by XXXX XXXX XXXX, even though the timeline for collection is already passed, and Capital One did not get permission from our bankruptcy trustee to sell the debt. The debt must be transferred back to Capital One, no exceptions. The account is fraudulent and can not be rectified as Capital One has already purged our files. This account is in violation of all existing protections under the U.S. Bankruptcy Code as well as the Fair Debt Collection Practices Act. This collection must be deleted permanently!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: NC

Complaint narrative:
I recently sent disputes letters to Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Today I've recieved information from the Credit Bureau that my Chapter US BKPT CT NC XXXX Public Record REF # XXXX .... 

Remains The company that reported the information has certified to Experian and XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

However, when I contacted the company they had reported that they could not find the item on my report was inaccurate and deleted from their records. Experian and XXXX has yet to delete this from my report. The company does not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from Experian and XXXX lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report this type of erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Today I've recieved information from the Credit Bureau that my Chapter US BKPT CT NC XXXX Public Record REF # XXXX .... 

Remains The company that reported the information has certified to XXXX and TransUnion that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

However, when I contacted the company they had reported that they could not find the item on my report was inaccurate and deleted from their records. XXXX and TransUnion has yet to delete this from my report. The company does not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from XXXX  and TransUnion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ).

As you know, it is also a violation of the FCRA to report this type of erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: TX

Complaint narrative:
My information was part of a data breach as well as I have had my identity stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: TX

Complaint narrative:
My information was part of a data breach as well as I have had my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I called paypal XX/XX/ to update my contact information for my paypal credit line as I was unable to do so online. I then found out by a representative that someone had previously called in impersonating me and updated my information. They changed my phone number, email address, and physical mailing address. I informed them I was recently a victim of identify theft and my mail was stolen out of the mail box to include my birth certificate, VA letters containing my SSN, paypal account details/monthly bill, and possibly other items. They made the changes to the account but were not able to release from what number they called or when they updated the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: TX

Complaint narrative:
XXXX issued a credit for 2 airline tickets to XXXX in XXXX of XXXX. The trip was to occur between XXXX XXXX of XXXX and was cancelled. Instead of receiving my money back XXXX issued a credit. XXXX will not honor my credit because the airline XXXX went bankrupt. Wells Fargo asked me to dispute with XXXX and XXXX is saying to dispute with my bank. No one is giving me my money back. Wells Fargo should approve my dispute and make an exception on this case as Covid was the reason for cancellation and was beyond my control, I never received the goods or services for the flights and Wells Fargo should be responsible for giving me my money back and dispute the transaction with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
national credit system inc XX/XX/2019 acount the XXXX XXXX XXXX amount {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I entered into a consumer credit transaction on XX/XX/2019 with XXXX XXXX XXXX XXXX, a consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but cash was taken by XXXX. The finance charge is also supposed to include insurance but XXXX made me purchase insurance separately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: OneMain Finance Corporation
State: FL

Complaint narrative:
One main is incorrectly reporting my payment history on all 3 credit bureaus for the month of XXXX XXXX 

One main reported my account as paid as agreed on all 3 credit bureaus until XXXX XXXX XXXX 

On XXXX XXXX XXXX, One Main updated my payment history with all 3 credit bureaus as late for XXXX XXXX 

My XXXX XXXX payment was due on XXXX XXXX  and payment was made on XXXX XXXX XXXX XXXXhich was late but not 30 days late as reported on my credit report. 

I also was approved for a deferred payment for XXXX and XXXX of XXXX and was told by the local agent that approved the deferred payments that I would not be reported late on credit reports. 

Only XX/XX/XXXX, I disputed a previous late payment from XX/XX/XXXX with the credit bureaus and one main via written notice asking for a goodwill forgiveness for the late payment from XXXX. 

I believe One Main is retaliating against me for challenging /requesting a goodwill forgiveness for the XXXX XXXX  late payment and updated my credit report as late. 

Please assist with getting One Main to report my payment history accurately for XXXX XXXX  or delete this inaccurate reporting account from my credit report. 

I have tried on multiple occasions to get One Main to help with this issue and even spoke with the executive office to assist with no resolution provided as of today. 

I also have copies of my XXXX, XXXX and XX/XX/XXXX credit reports which can corroborate my informational s show that One Main reported my account as paid as agreed until XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: GA

Complaint narrative:
I have a hard inquires and a chapter XXXX bankruptcy on my credit report that i did authorize. this is a violation of my privacy under the FCRA and FDCPA and has caused me stress due the denial of credit need for personal and household purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: GA

Complaint narrative:
I have a hard inquires and a chapter XXXX bankruptcy on my credit report that i did authorize. this is a violation of my privacy under the FCRA and FDCPA and has caused me stress due the denial of credit need for personal and household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
XXXX XX/XX/2020 in the amount of {$1400.00} This was not my bill, someone use my name at hospital to seek treatment. I advised the hospital that it wasnt me and I was living out of state at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: AZ

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: CA

Complaint narrative:
We built up our reward points with our Chase Visa card and used our points to purchase an airline ticket for our daughter, who lives in XXXX, XXXX. The value of the roundtrip ticket was {$840.00} or XXXX points. The flight was booked through Chase Rewards Travel on XXXX XXXX for XXXX to XXXX XXXX with a travel date of XX/XX/XXXX. Two weeks before the flight the U.S. implemented travel restrictions due to Covid 19, resulting in the flight being cancelled by XXXX XXXX. 

Between the time we booked the travel and the actual travel date, Chase Bank cancelled our checking, savings, and credit card. We received a letter in the mail from Chase Bank that gave no reason for the cancelling of our accounts. When I called and talked to a supervisor, I was told they couldn't release that information. A couple of months after the flight was cancelled I began to call the Travel Rewards department to get our refund. I explained we no longer had an account because Chase cancelled our accounts. Despite explaining this to them, on XX/XX/XXXX they attempted to credit the XXXX points back to an account that was closed. I received a letter from Chase Bank explaining the refund didn't go through, but the other option was to send us a refund check. 

I called Chase Travel Rewards later in XX/XX/XXXX to ask them to send a refund check. They updated our address and confirmed they had received a credit back from XXXX XXXX and that they would send a refund check of {$840.00}. I received an email on XX/XX/XXXX confirming our address had been updated and a check request had been submitted. The letter stated the timeframe would be 6-8 weeks with an additional 1-2 weeks due to the new year. 

By XX/XX/XXXX I had not received the refund check so I again spent hours on the phone with Chase Travel Rewards. After 3 hours on the phone, a supervisor apologized for the situation and expedited another refund check request. On XX/XX/XXXX I received another email confirming a refund check had been submitted and it would take 8-10 weeks to process. By XXXX I had not received the refund check. 

On XXXX, after hours on the phone with Chase Travel Rewards, I spoke to a supervisor who apologized for the situation and said she was sending a note to the offline team who processes the check. I was told I would hear from them within 5 business days. I did receive an email from the offline team saying they were too busy to help me and that I should call customer service.

I believe Chase Bank intends to send us our refund check, but for some reason they have been unable to deal with processing the check. I intend to take Chase Bank to arbitration or small claims court if I can not get this resolved in the next 4 weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18 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: MO

Complaint narrative:
Equifax credit reporting agency has a Bankruptcy ChXXXX from XX/XX/XXXX listed on my credit report. This Bankruptcy was a Ch-XXXX and should have been removed from my credit report last year after 7 years. I have disputed it twice with Equifax on XX/XX/XXXX & XX/XX/XXXX. They have refused to correct this error and I was denied a new car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ASKED THAT CHASE CREDIT CARD CANCEL A PENDING PAYMENT WHICH I MADE ON XX/XX/2021. I SENT THEM THE MESSAGE IMMEDIATELY ON XX/XX/2021 TO CANCEL THE PAYMENT OF {$200.00} WHICH WAS STILL ON " PENDING '' MODE. CHASE DID NOT ALLOW ME TO CANCEL THE {$200.00} PAYMENT MADE ON XX/XX/2021, AND IT IS UNCLEAR WHY, AS IT APPEARS THEY HOLD THEIR CUSTOMER 'S PAYMENTS HOSTAGE, AND ONE CAN NOT CHANGE THEIR MIND ABOUT MAKING A PAYMENT ON AN ACCOUNT WHICH IS UPDATE TO DATE. 

I ADVISED CHASE THAT I HAD ADVISED MY BANK ACCORDINGLY, AS CHASE DID NOT WANT TO REVERSE THE {$200.00} WHICH AS STATED, WAS ON PENDING MODE. 

I ASKED THAT THEY REFUND ANY OVERDRAWN FEES. I WAS ADVISED PER THEIR MESSAGE BELOW : " Thank you for the update. Since you have requested a stop pay with your bank on the {$200.00} payment, we will cancel the refund request to prevent a duplicate debit. 

We apologize for the the inconvenience you have experienced. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX Payment Research Specialist XXXX '' BUT RATHER THAN SIMPLY REQUESTING A CANCELLATION OF THE REFUND TO PREVENT A DUPLICATE DEBIT, CHASE PROCEEDED TO CHARGE ME {$70.00} IN RETURNED CHECK FEES, FOR 1 ) A STOP PAYMENT ON {$200.00} WHICH THEY AGREED TO HANDLE AND LATER DID NOT IN ORDER TO " AVOID DUPLICATE DEBIT, '' AND 2 ) CHASE CHARGED ME A STOP PAY FEE ON A PREVIOUS PAYMENT OF {$480.00} WHICH HAD ALREADY CLEARED MY XXXX XXXX ACCOUNT, AND HAD POSTED OT MY CREDIT CARD AS A PAYMENT ON XX/XX/202,. AND SHOULD HAVE NEVER, EVER BEEN STOPPED. 

IN SHORT, CHASE, A MULTI BILLION DOLLAR CORPORATION IS ENRICHING ITSELF WITH {$70.00} IN FEES, ON STOP PAYMENTS TEHY ASSURED ME WOULD BE HANDLED SINCE MY CHECK WAS IN A " PENDING '' STATUS, AND I SHOULD HAVE THE AUTHORITY TO CANCEL PAYMENTS MADE, WHILE STILL ON " PENDING '' STATUS. 

THIS IS ANOTHER EXAMPLE OF ABUSIVE, SHARK LENDING AND PREDATORY PRACTICES FROM THESE CORPORATE XXXX DOLLAR COMPANIES WHO ARE SUBSIDIZED IN LARGE PART BY OUR TAXES. 

THANK YOU.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB
State: TX

Complaint narrative:
Okay I waited over a month to get a refund back from XXXX and I contacted them and they already send the refund back to Klarna and Im still showing that I owe XXXX but I return the computer back end of XXXX and I never got a email from Klarna or them saying they resolved my issues the order number is # XXXX I send them the tracking numbers and credit receipts but Im still being charged for this laptop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Fresh Start Funding, LLC
State: NV

Complaint narrative:
I contacted the company in XXXX to inform them I had lost my job and I was going to need some assistance they never contacted me back I reached out to them again in XXXX still nothing then in XXXX they dinged my credit report I contacted them again and said Ive been reaching out to you nobody will respond I lost my job I could only afford to pay {$25.00} a month right now they said thats not gon na make a difference but you can do it and then they started texting me several times a week after XXXX oclock in the evening the most current one was XX/XX/XXXX at XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX  Account Number : XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX Account Number : XXXX FDCPA section 807 Violation misleading false reporting XXXX  XXXX XXXX Account Number : XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
This is in regards to Southwest credit systems they have violated my consumer rights under the F.D.C.P.A I sent the company a invoice for XXXX for four diffrent individual actions. I really could get them for more but I won't do that just yet. I also asked them to send me validation to such alleged debt. 

I am now demanding southwest credit systems for cease and desist on this collection account and also a deletion on my consumer report as it is a median of communication. 

They also received this invoice and validation request on XX/XX/2021 as I sent it certified mail.

Company response to consumer: Closed with explanation