vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank increased my credit card spending limit without my authorization. Chase also mislead me about spending limit increases.

Chase bank sent me an email after I signed up for this credit card, suggesting that I " Apply '' for an increased spending limit. This strongly lead me to believe that I needed to apply to have any increase in spending limit, and that I would not be able to go above  my XXXX dollar limit. 

This was proven wrong, when chase decided to increase my limit, during a purchase that would have otherwise been denied at the register. Because my card did not get denied, I continued to spend money on the card to gain Amazon rewards, thinking that I was well  within my XXXX dollar limit. 

I'd like to add, that I can prove with documentation my ability to pay this bill in full at any time. I use a credit card to keep my checking information safe. Chase took advantage of this, in a predatory, misleading, and malicious fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: DISCOVER BANK
State: VA

Complaint narrative:
Hello, on XX/XX/XXXX I received a notification that Discover updated my payment information on my XXXX  Reporting from past due XX/XX/XXXX to current. However all 3 bureaus were not updated so I sent a request to have all 3 bureaus updates. On XX/XX/XXXX, I received notification that Discover had removed the positive payment history and reported the negative history again. I feel like this was a very bad experience and that Ive been discriminated against. The decision to add back negative historys UNJUST, negative and has violated my  consumer rights and is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MD

Complaint narrative:
Someone used my credit card on XXXX account. I never authorized these transactions.

And I never saw my paper statement.

I didn't recognize those charges. But I made a payment because My address has been changed for
temporarily due to covid19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
CCS COLLECTIONS is giving false credit information to the credit bureaus. I sent this collection agency a certified letter requesting they send me the information that shows I owe them the money they are requesting from me and all they have sent to me was some billing statement that I have no clue about. I then request them to send me the following that I never received : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request. 

This letter was sent out on XX/XX/2020

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Earlier this year my wallet was stolen from my golf bag and several ATM withdrawls were made. Despite my furnishing police reports and repeatedly explaining that these charges were fraudulent I was told that because I personalize my PIN number that it was declined as fraud. Since then my FICO score has plummeted due to this misunderstanding. Please help me with Barclays.

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 2020-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank has mislead me about my consumer rights, and used predatory & misleading methods to avoid lawsuits and legal liability.

Chase only has a very small line of text, at the very bottom of the cardholder agreement, stating this outrageous clause : " If you do not reject this agreement as provided below within 60 days of account opening, you or we may elect to resolve any Claim by arbitration. '' TO ANYBODY PUBLICLY READING THIS COMPLAINT, IF YOU DON'T OPT OUT, THEY CLAIM THAT YOU  CAN'T SUE THEM IN COURT. IF YOU HAVE THE AMAZON PRIME REWARDS CARD, MAKE SURE YOU OPT OUT OF THIS CLAUSE, AS IT'S HIDDEN IN VERY SMALL TEXT. 

This is beyond deceptive and predatory. At no point did Chase directly notify me about this, or any time limit that I was subjected to. If I had been notified of this, I IMMEDIATELY would have opted out. 

Not only is this misleading, this " time limit '' to opt out goes directly against consumer law. Further, to automatically " opt-in '' all customers to this agreement, is a blatant violation of consumer protection law, and directly violates my rights as a citizen to take legal action against a business who falsely advertised a service, and caused financial burden against me. 

Further, the method used to notify them is discriminatory towards the XXXX and the financially XXXX : " Your notice must be mailed to us at XXXX. XXXX XXXX, XXXX, DE XXXX. Rejection notices sent to any other address, or sent by electronic mail or communicated orally, will not be accepted or effective. '' Every single function of this card, including opening the account and making monthly payments, can be done online. At no point, does the customer even need to sign a physical document. By forcing people to write a physical letter, and pay for postage/confirmation, Chase is not only discriminating against consumers, they are creating obstacles to prevent customers from getting proper justice in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent Capital Services on behalf of LVNV Funding LLC is attempting to collect a debt that has been determined to be fraudulent. The fraudulent account XXXX in the amount of {$580.00} is continuing to report to the consumer reporting agencies in violation of the Fair Debt Reporting Act and the Fair Debt Collection Act. Resurgent Capital Services has ignored my repeated request to remove this inaccurate information and has ignored any and all documentation that has been sent to Resurgent Capital Services. Resurgent Capital Services is in violation of the consumer laws and has repeatedly displayed a lack of regards to the consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: LA

Complaint narrative:
I applied for a job and the job uses a certain background company and this company stated I have a XXXX XXXX XXXX in Ohio and I've never been to Ohio a day of my life let alone been XXXX. I've never been XXXX  for anything in my life and I'm just trying to get this off my record so I can start back working ASAP for the holidays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
I bought a car from XXXX XXXX in XXXX va in XX/XX/2020 with the understanding that I was trading my vehicle in at the time. The dealership approved a separate car loan and stated the insurance would take my vehicle that was damaged that was not the case. I now have two car payments I am unable to afford and unable to afford an attorney even though they committed predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: FL

Complaint narrative:
I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX  Date opened XX/XX/2015 Account number XXXX XXXX XXXX Date opened XX/XX/2015 Account number XXXX I attached all documents what you need included Identity Theft report. I have been a victim of identity theft fraud. I have no idea of any of these accounts.

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 2020-10-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a CapitalOne " 360 Performance Savings '' account on or about XX/XX/2020 on the promise that if I put in the right code at the time of account opening ( I think the code was " XXXX '' ) and transfer {$50000.0

0} or more to the account, the bank would provide a bonus of {$500.00} in a few months. I did all the required steps but never  received {$500.00}.

When I contacted the bank months later, I was informed that I can not get the bonus because I already have a different type of CapitalOne saving account at the time of account opening. However, I was not informed of this loophole at the time of account opening, and I was not informed that the code was no applicable to me when I entered it at the time of account opening.

The bank will probably say that the loophole is in the fine prints ; but I'd argue that the fine prints are not sufficient in this instance, since I had to enter a code so the bank was well aware of my intent and yet gave me no indication that I won't get the {$500.00}. I believe this is  deception and is in violation of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: IL

Complaint narrative:
I purchased airline tickets in XX/XX/2020 but was

n't able to travel due to COVID. Despite contacting XXXX  XXXX  several times via phone, website, and email, I was not able to get my matter resolved. I also tried submitting for
a credit several times since XXXX but the website kept stating my reservation numbers were not valid.

I did receive an email from XXXX XXXX  which stated if I was unable to travel due to documented issues, I would receive a refund. Despite providing doctors and lawyers documentation, employer statements, and expiring visa documents, I did not get a respond from XXXX. In total, I contacted XXXX  16 times via website, phone, and email but was not able to get my matter resolved. 

I submitted a dispute for the charge to Chase british airways credit card in XX/XX/2020. The reps at Chase asked me to provide evidence of the phone calls, email communication with dates, as well as doctors and lawyers documentation, employer statements, and expiring visa documents that I submitted to XXXX. I mailed a packet of all the information with a tracking number, including specific dates. I confirmed the mailing address 3 times. 

I called Chase to confirm receipt of my documentation ; the rep stated they had not receive it. I provided the tracking number which confirmed that the package was delivered. The representative at Chase asked me to fax the packet instead. Again, I faxed the packet twice with a confirmation. After following up days later, the next two at Chase stated they had not received the faxes either.

After my fifth or sixth call to Chase, the representative transferred me to a manager who kept counting the time that she was on the phone with  me ( 12 minutes, 13.5 minutes ), was not willing to acknowledge the communication I had with her previous coworkers between XXXX and XXXX, and stated it was not Chase 's responsibility to uphold the dispute. 

She stated she was giving me {$100.00} to as a courtesy since she had spent 13 minutes with me.

After being a Chase customer for the past 20 years, I am extremely disappointed at their service and am frustrated that all the Chase representatives had asked me to provide documentation to suppo
rt my dispute. After taking a significant amount of time and effort to gather all the information and send it, my dispute was dismissed without any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Back in XXXX and XXXX, we were out of work XXXX furloughed ) due a natural disaster in Florida. The XXXX and XXXX declared a state if emergency. I reached out to my mortgage holder Rushmore Loan Management to advise we we XXXX be missing payments due to this emergency. I was told no negative reporting would be in my credit report but I recently learned six missed payments were posted even though the mortgage company agreed no reporting would be posted and that we would refinance the loan. The loan was ultimately refinance but Rushmore failed to remove the six markers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: FL

Complaint narrative:
I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXXXXXX XXXX  Date opened XX/XX/2015 Account number XXXX XXXX XXXX Date opened XX/XX/2015 Account number XXXX I attached all documents what you need included Identity Theft report. I have been a victim of identity theft fraud. I have no idea of any of these accounts.

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 2020-10-11 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: NC

Complaint narrative:
I have submitted multi request asking the credit bureau to confirm and supply Method of verification and who they spoke with when verification the supplied. No such information has been supplied only a repeat result of Verified. I'm requesting that Experian delete the remaining accounts immediate : XXXX XXXX XXXX XXXX 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 2020-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have sent the collection agency ( Credit Control Corporation ) several letters to validate or verify the debt and each letter has gone ignored. They will not reply to my letters but continue to report to the credit report agencies. They are violating my consumer rights

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank refused to allow me to record a phone call, while they themselves had already announced to both parties that the call was being recorded. 

When calling to dispute a separate issue ( already filed with CFPB ), I attempted to record a phone call ( after announcing myself, which was not required on my behalf per state law. ) when I felt I was being discriminated against, and treated poorly. 

Per Washington state law, I had every legal right to record this phone call. And, again, Chase was already recording it. 

Chase denied me my legal rights as a resident of Washington state, to record phone calls with proper announcement/consent. 

Chase denied me this legal right, in my opinion, to suppress any investigation by myself into their deceptive, predatory, unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target is refusing to comply with removing and deleting my derogatory report after paying them in full. I had this issue with two other companies XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX, I paid everything in full and they told me the same thing refusing to delete when I submitted a complaint they both removed it so target is the only one that is not wanting to cooperate. I paid with the intention of having everything removed and they are really affecting my credit score, and I dont think this is fair because I paid them all in full everything I owe them including interest charges, penalty fees etc. And I am not going to stop submitting this over and over again until somebody hears me out because this is not right. Hopefully whoever reads this message is able to assist me. 

Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear CFPB, On XX/XX/2020 I booked a ticket with XXXX XXXX XXXX and was charged for the amount of {$890.00} for XX/XX/XXXX until XX/XX/XXXX from New York to XXXX via XXXX XXXX. Since the flight was cancelled due to Covid I reached out to the travel agent and requested a refund via the attached letter. Around XX/XX/XXXX I reached out to Capital One requesting to dispute the charge due to the fact that the flight had been cancelled. Capital One stated that the merchant should provide me with a refund. I asked multiple times that they should reconsider the dispute and they declined my request again stating the merchant will provide a refund. Still not having received a refund, today, XX/XX/2020 I called in and requested the refund of my money and Capital One told me that I could no longer dispute the charge as the merchant in the previous dispute closed the request because they agreed to refund the money. The bank said that the merchant is obligated to refund the money within 15 days if they agree to refund the money. Capital One was obligated to refund The bank was very nasty when I called in today and when I told the representatives that I recorded to conversation since it is my right as an American to bring this up to the CFPB the representative told me that he will have to disconnect because Capital One does not allow to record the conversation. I think this is a violation of my civil rights as New York allows for one side consent in recording. I called Capital One today ( XX/XX/2020 ) XXXX  XXXX from telephone number XXXX and the number I called was XXXX. Please listen to their recording as they record all conversations without always asking the customers if they are being recorded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-11 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: GA

Complaint narrative:
Equifax has failed to correctly report my revolving accounts for almost a year. 

Equifax is NOT reporting my revolving account also known as credit card accounts. Those accounts are as follows : XXXX XXXX XXXX ending in : XXXXXXXX XXXX XXXX XXXXXXXX ending in : XXXX XXXX XXXXXXXX has written a letter to Equifax directing them to report these XXXX active credit card revolving accounts on my credit profile. Attached is a letter. 

I have filed 4 complaints with CFPB regarding Equifax to correct this error and they have yet to do anything to fix their error. 

With the advice of my attorney, I am filing one last complaint before filing a lawsuit against the Equifax corporation for damages.

Company response to consumer: Closed with explanation