vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I am currently enrolled in XXXX XXXX XXXX. During this period, the credit card company has changed my personal information on my account to family members. I have seen my phone number changed to my father in laws as well as XXXX of my sisters when I havent given them any of these numbers or authorized them to call them. They call multiple times a week. I have informed them I have been enrolled and they have said they havent been willing to notate my account to stop these calls. XXXX XXXX  XXXX has attempted to send them power of attorney to stop this and the company says they wont accept it until they are ready to settle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY 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 2019-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express advertised no membership fee for military. I then applied, selected the drop down box for military because I am XXXX XXXX, and was informed I was approved. I later recieved the card and subsequently a statement showing a {$550.00} 'membership fee. ' I contacted them afterwards and was told they would initiate a Servicemembers Civil Relief Act inquiry for me that would delete the fee. The {$550.00} charge reappeared again the following month and I again contacted American Express and they said I needed to submit 'verification ' documents, so I subsequently submitted my activation orders. The fee then appeared again on my next statement so I contacted them again and they opened another SCRA inquiry. Eventually, they were able to confirm my XXXX XXXX status and waived the membership fee. However, they did a credit reporting that I missed two payments for that fee they eventually waived. So, while they ultimately did give me 'SCRA status ' and waived the late fees, they refused to address their credit reporting of 'missed payment ' ( for jot paying fee ). My credit score took a 100 point drop as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Amazon has been notified numerous times to cancel charges and have been doubled charged for items I returned within the return policy and now I just received a product to contact them and im not contacting them again to return item and receive refund. A solution is being given refund and canceling the monthly charges and getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: TX

Complaint narrative:
On XX/XX/19 I disputed this account with Equifax because it reporting inaccurate information. Equifax has " updated '' the account but has not corrected the inaccurate information. 
XXXX. XXXX XXXX XXXX Account Number : XXXX This is a closed account that is still reporting a monthly payment. I have reached out to Equifax numerous of times concerning this inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I am writing in regards to the following information that appears on my consumer report : Account Number or other information to identify account : Account Name : XXXX XXXX Account # XXXX Date Opened XX/XX/2018 Balance {$650.00} CONTACT INFORMATION XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Explanation of item being disputed : I entered into the cellular service agreement in XX/XX/2018, I was advised to not incur new debt, and returned the device XX/XX/2018. 

The XXXX Service Agreement indicates the following policy : I acknowledge that I was provided an opportunity to review my completed Installment Loan Agreement ( ILA ), including 24 monthly payments and my right to cancel within 14 days. 

I returned the device within the 14 day window ( 7 days from purchase ), and therefore ended the service contract. See attached 1 ) service agreement indicating the policy above, 2 ) bank statement indicating my credit from XXXX XXXX, 3 ) and return receipt from XXXX XXXX. I do not owe the amount and would like the entry removed from my credit reports and no further collection action to occur by XXXX or Convergent Outsourcing. When I contacted XXXX, they've written it off to Convergent Outsourcing ; I have provided them the same information and disputed this with XXXX and XXXX. I am attempting to rebuild my credit after a bankruptcy, but when I called I was just told " this isn't in my bankruptcy. '' I made it clear I was not saying it was. The phone was returned within the return period outlined on the contract. The have continued collection efforts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i have been suspecting that my account with Capital One has been flagged and been discriminated based on my race and national origin, so i have decided to apply for a credit line increase of {$3000.00} to see i will get an an automatic denial of the request. I have sent the request on XX/XX/2019 and get an email with the rejection the same date. 

The reason given was my account has high balance and the account has not been used a lot. Here are the fact of my credit As of XX/XX/2019, My FICO score is XXXX which lenders consider as good. My total debt ratio is XXXX XXXX  of my available balance. I would say there is no valid reason why my request was denied other than i have been discriminated by Capital One This has been happened before when i tried to get a higher credit limit ( about twice or 3x ) The account has not been reviewed properly and i truly believe Capital One has a way of flagging accounts and discriminate customer based on race ( I am XXXX ) and based on national origin XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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 filed a dispute with Chase Bank for {$2000.00} on a {$4700.00} charge with XXXX XXXX, the details are as follows : On XX/XX/XXXX I paid {$4700.00} for a seat advertised as a fully lie flat bed on a 15 hour flight from XXXX to XXXX. Once in the air at altitude, I discovered that the seat did not fully recline as advertised, and functioned more as an economy seat. I mentioned it to the flight crew, the seat was not fixable. I had no recourse to fix this, was stuck in a broken seat beyond my control. Once landing, I reached out to XXXX to explain the issue. Their response was to credit me {$200.00}. I responded that this was not acceptable, the credit was far too low given that the {$4700.00} seat did not function as advertised for a 15 hour flight. XXXX did not remedy the situation, so I filed a dispute with Chase. 

The response from Chase was wholly inadequate and disingenuous. Chase responded that because I accepted services from XXXX, I was not entitled to any refund and my dispute was denied. 

I find this unacceptable and incorrect. I purchased a seat that was explicitly sold as a lie flat bed, this is the reason I bought it for a 15 hour flight. Once in the air, there was literally nothing I could do, so a refund is clearly necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: FL

Complaint narrative:
Barclays card was applied for in XXXX for a timeshare. That was used for the down payment of {$4000.00} usd on XX/XX/2018. I have multiple cards and never got approved For an amount of {$4000.00} usd. The sales person in XXXX had to faked my annual income. That how I got approved so easily. I have asked Barclays for my application multiple times and they can not find it in their system. The timeshare purchased and was false and misleading information was given. I took it to litigation with XXXX which is the XXXX consumer protection. The time share was completely canceled. I asked the hotel chain to please return the XXXX they stated no it was out of there hands to dispute with the credit card. I never used the timeshare at all! I dont want anything to with the hotel chain! I do not find it fair that they lied to me and scammed me and I am responsible for paying the card when I will never use there services! I came into an agreement with Barclays to pay XXXX and change to have the card paid of as settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: OH

Complaint narrative:
XXXX XXXX financed my car for 72 mos 6 months from payoff they repoed my car, all payments were up to date and i continued to make payments. the bank said I owed XXXX dollars immediately due and told me the car was paid off. the balance was for insurance etc. fact is I still owed XXXX worth of payments at XXXX per month. and the car was not paid off apparently when they found their error I got my car back no charge, They never did explain to my they made a mistake. But they still put on my credit report I`m late driving my score over 75 points. I`m still making my payments and they still report them late? the same way I have done for 65 payments. Also A credit card XXXX reports me as not paying my card even though I have never used it and did not want it the charges are fees and interest on the fees and the bank that the card is on also reports me a non pay I have never used the card and never wanted the card and thats why my credit score has fallen more than 75 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: MA

Complaint narrative:
On my Capital One Venture One card there are plenty of charges from some foreign countries. These days there seems to be no way to contact Capital One regarding to these issues. Only contact method provided is by phone and I have been on hold forever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
ON XX/XX/19 I sent a letter to Credence Resource Management by certified mail # XXXX XXXX XXXX XXXX XXXX, see attached copy with proof of delivery, requesting they provide me with COMPETENT EVIDENCE BEARING MY SIGNATURE, showing that I have or ever had some contractgual obligation to pay them. They sent a reply letter stating that I sent them a " request to verify '' which I did not, I requested specifically they provide me with something bearing my signature. I am so sick of these collection agencies disobeaying the law, who is monitoring them? How can I actually get law enforcement to force them to comply with the law? I have enclosed copies of letters proving my statements above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXXI had a hard report on my account for Citibank I don't bank with Citibank I don't have a Citibank credit card on tXX/XX/XXXX I had a hard investigation on my credit report from XXXX in XXXX I do not have XXXX nor XXXX asked for them to look in anyting so I'm questioning this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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:
I requested that Equifax through the FCRA send me documents bearing my signature that lets me know that what they are reporting is accurate, THEY NEVER SENT this information that I requested, instead they continue to send letter avoiding my requests. I also requested through the FCRA that they send to me the method of verification that they used, my letter was plain and simple I as that they please supply me with the description of procedures they used in determining the accuracy and completeness of the information, the name of their employee who verified the information, and the name of the person you spoke to at the creditors location, their telephone number, address and the CONTRACT WITH MY SIGNATURE. 

Equifax refused to supply me my request and sent the attached response. I have sent over several letter to them requesting this information because THIS IS WITHIN MY RIGHTS AND IT IS IN ACCORDANCE WITH THE FCRA. 

I NOW WANT TO GO TO THE NEWS MEDIA TO SHOW ALL THE LETTERS AND COMPLAINTS THAT I HAVE SENT AND HAVE NOT RECEIVED ANY JUSTICE. 

THEY ARE IN CLEAR VIOLATION OF THE LAW AND MUST BE HELP ACCOUNTABLE FOR NOT ABIDING BY THE LAWS, AND AS A GOVERNING BODY THE CONSUMER FINANCE PROCTION AGENCY NEEDS TO HOLD THEM ACCOUNTABLE, THIS IS WHY YOU WERE ESTABILSHIED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already issued a complaint about the same company Experian. Now this about an unauthorized Fraud Alert placed on my credit bureau. They have since removed the removed the fraud alert and have now placed an unauthorized freeze on my credit report. I am about to loose my rate lock on my mortgage application because of them and this will unecessesarily cost me several thousands of dollars. I really feel as if this organization has purposely set out to delay or stop me from obtaining a mortgage loan.XXXX : void ( 0 ) ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXX will not provide me with any information about my trust account. Documents were forged and a separate EIN number was used. You can contact them or XXXX XXXX last name XXXX XXXX family has some involvement. 
Wells Fargo I believe there's an investment account there that I can not access. As well as a few account in the XXXX XXXX. Any advice or resolution would bee greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
Dear CFPB I hope you can help this company is stealing funds off of customers Gift Cards -they have paid money to use the names of Visa and Master Card and then they steal the money off of your cards. When You email them -say they -Black-hawk does not understand you, and then they close that email- I have to get my {$240.00} back first and then let the public what Black Hawk is doing. This is urgent and Black hawk plays games when to contact them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY

Complaint narrative:
I recently checked my credit report and found that Second Round LP was listed as a collection account. I have no clue to who this company is. I have not received any kind of mail from this company. They are reporting unVALIDATED information. I do not know what this said debt is due to lack of communication from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Checked my credit report and have a collection on there from LVNV Funding. I think I might of sent them a email, but not positive at all. I want to have a correspondence from this company since they are reporting negatively on my credit reports. I would also like them to send me VALIDATION of this said debt and a original contract bearing my signature would be best.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I disputed this account with the 3 credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The credit bureaus claimed the debt was verified by Receivable Management. 

I sent a request for validation to Receivable Management ( account number XXXX ) on XX/XX/XXXX ( usps tracking XXXX XXXX XXXX XXXX XXXX ) asking to provide me with a signed contract with my signature amongst other things to show how the amount they are collecting is calculated. 

I never received anything. This is a violation of the FDCPA for not providing the documents I requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Purchased a XXXX XXXX XXXX from XXXX XXXX 's XXXX XXXX, located in XXXX NC. This vehicle was financed with Wells Fargo Bank. 


I paid off this vehicle within 45-days from time of purchase. When I contacted Wells Fargo Bank to pay off the car I was told the title would be mailed 7-10 days. 
Problem is I never received the title, so I called and was told there was some type of error made, and they were mailing my title which I should receive within 35-hours. 

Still, I never received the title. so I called again and was told some different story about how some type of error occurred. and I was promised to receive the title within days. Still no title, so I called again and was told that the title was lost in the mail. now I received something in the mail, that I have to collect signatures from different people and write down the mileage and if the vehicle has been wrecked ETC. And it's going to cost me money. I already paid over {$XXXX} which included taxes, title, and fees. I am not paying for someone else 's mistake. 

I want my title to my car which I have paid off 5-weeks ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief