vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I booked the hotel in XXXX, FL called XXXX XXXX XXXX through XXXX with Citi Bank credit card for the stay XXXX XXXX XXXX XXXX. Something came up here and there so we thought about delaying our vacation. We contacted XXXX/booking and they said they would cancel our reservation, and they email to tell the hotel to waive the cancelation fee and gave us full refund so we can book again for the later day. At that time i think it was normal because of covid policy maybe still in effect so i went ahead cancel my reservation on Wed XX/XX/2021. Next day i contacted the hotel XXXX XXXX XXXX, what they said was completelt different, they refused to give me the refund since i canceled in 3 days window or whatever, my cancelation fee is the whole charge of my stay XXXX XXXX I was very shocked, I then tell them that wasnt what XXXX said, i even worked with them by asking can you give me some credit so i can rebook in the future but they said no, the whole charge is the cancelation fee ( that i dont even know about ). Finally, i told them its ok can you just give me my room back, i will find something to do in XXXX then ... and guess what? they even denied to give me original room back also. They just robbed my XXXX $ right at me. I got hopeless and contact Citibank credit card, filed a dispute for the service that i never received. After investigating, Citi bank make me responsible for the charge, Citi bank dont even ask me for any evidence or document on my side, i feel like as long as the merchant respond to them, even the blank paper, then they reserve their temporary credit and left me hanging. Im still in shock for what happened. Citi bank supposed to protect their customers, I got denied to accomondate by the hotel, got charge {$730.00} for it. I never stayed at the hotel and Citibank just sit there and watch XXXX XXXX XXXX rob their customers. 
Im so XXXX. Can someone help me?

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 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Starting XXXX XXXX this company has called me at least twice a day everyday despite asking them to stop. This company has called me from multiple numbers several times a day.

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 2021-06-25 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Sun loan is the company my identity was stolen the placed a debt on my credit report its been 7 years Ive tried to resolve this and they still are trying to make me pay for something I didnt do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
Medicredit violated my Hippa rights This is a third-party collection agency for medical debt that I knew nothing about that I did not consent to being on my credit report Ive asked them to delete it several times and they never have deleted it as well as never was verified by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
When will this bank allow me to open an account and stop refuting they treat me horribke claim relationship is ended and nothing I can do to comeback or change they dont want me as a customer this is illegal this is discimaitory claiming they have the right not to do business with a customer its like they banned me for no Reason I cant get no checking Credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter was sent prior and returned to CFPB advising that the accounts were not recognized. Listed in the attachment are the accounts numbers and along with a copy of the credit report. Please be advised that Transunion has received a letter prior to this and has not responded in the 30 days required by the FCRA.

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 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
The scammer met me on Social media XXXX and talked with me as friend for a while. He mentioned about his recent investment in XXXX and he was very profitable. Then he said he can teach me how to invest and invest for me. He started to teach me to open a Coinbase account, I had never contacted Coinbase before, so he has my phone number and Email information, I assume he can guess my password or hack into my email cuz I setup easier. Then he ask me to download another fake platform named XXXX app ( after reading the news report, I found out that it was a fake platform created by the scam group in order to steal the victims personal information from Coinbase Money or currency transfer. And I have couple transactions been sent to a digital wallet chain address without my permission. I try to file a claim from XXXX  XXXX and Coinbase regarding this fraud, unfortunately with no response or said cant help. I feel very depressed and helpless. I believe that the big platform Coinbase has such a big loophole that makes it easy for scammers to commit crimes, and the big bank XXXX I trust is so incompetent that it can not protected their customer 's money, can not be recovered even if the scam. I did report to FBI/ XXXX XXXX law enforcement when I realized everything was scam! The scammer met me on Social media XXXX and talked with me as friend for a while. He mention about his recent investment in XXXX and he was very profitable. Then he said he can teach me how to invest and invest for me. He started to teach me to open a Coinbase account. He asked me to download another platform named XXXX app ( after reading the news report, I found out that it was a fake platform created by the scam group in order to steal the victims personal information from Coinbase Money or currency transfer ). And I have a number of couple transactions been sent to a digital wallet chain address with out my permission total XXXX. I try to file a claim from XXXX XXXX and XXXX and Coinbase regarding this fraud, unfortunately with no response or said cant help. I feel very XXXX  and helpless. I believe that the big platform Coinbase has such a big loophole that makes it easy for scammers to commit crimes, and the big bank I trust is so incompetent that it can not protected their customer 's money, can not be recovered even if the scam. I did report to FBI/ FTC and the police who claim they do not handle it as there is nothing related to the 3rd party, all the account belongs to me, when I realized everything was scam! I am really sad about it. I have borrowed money from family and friends because I wanted to withdraw money. I have cash flow issue, I have no money. Such incident gave me huge pressure, almost destroyed my family. Please help to stop Coinbase or XXXX to allow scammer to steal peoples money online. I need to have my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: IL

Complaint narrative:
my name is XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not give Experian DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). They have allowed company 's to conduct inquires and monthly evaluations without my written consent. This is against the federal law and result in adverse actions pursuant to 15 usc1681m.

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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not give XXXX DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). They have allowed company 's to conduct inquires and monthly evaluations without my written consent. This is against the federal law and result in adverse actions pursuant to 15 usc1681m.

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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not give XXXX DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). They have allowed company 's to conduct inquires and monthly evaluations without my written consent. This is against the federal law and result in adverse actions pursuant to 15 usc1681m.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CA

Complaint narrative:
Experian has ignored and caused intentional harm to me personally with the accusations listed on my report from a fraudulent company. 

Source : https : //studentaid.gov/announcements-events/dream-center The U.S. Department of Education ( ED ) issued a letter on XXXX XXXX, 2019, to the federal receiverwho has control of XXXX and its financesand the chairman of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which owns XXXX. The letter informs the receiver and XXXX that ED has denied the pending application for the change in ownership and the related request to convert XXXX from a for-profit to a nonprofit institution for the purpose of participating in the federal student aid programs. ED took this step because XXXX does not meet certain standards, including administrative capability, financial responsibility, and the institutions duty to use federal student aid program funds only for their intended purpose. XXXX  failure to pay credit balance refunds owed to its students and parents demonstrates that XXXX can not meet the required standards. 

This denial decision applies only to the following institutions owned by XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX University XXXX XXXX ( XXXX XXXX  ) XXXX XXXX, CA XXXX University XXXX XXXX XXXX XXXX California 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 2021-06-25 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: AL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a letter with regard to I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 2021-06-25 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: PA

Complaint narrative:
On XX/XX/2021 I sent a letter with regard to I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Netspend Corporation
State: TX

Complaint narrative:
There is an account made with my information. I have not signed up for netspend. My information is XXXX XXXX XX/XX/1995 ( 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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Also known as name is incorrect. Middle initial is wrong.

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 2021-06-25 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
I am writing to you as a last resort to resolve this issue and upon the advice of the clerk of the court in XXXX, Florida prior to filing a writ. I have attempted several times to have this removed from all 3 credit reporting agencies to avail. OnXXXX, XXXX XXXX representing a company known as Amerassist contacted me via email requesting that I pay his company {$1500.00}. I advised XXXX that I do not know what he is referring to and requested verification. I received on XX/XX/21 a copy of a contract from XXXX highlighting a company XXXX, XXXX that I had previously done business. I immediately advised XXXX XXXX that his request for payment has been denied on grounds he was unable to produce any documentation that indicated a contract between myself and Amerassist. XXXX XXXX continued to send harassing emails to me on a repeat basis ignoring my notice to cease and deceit. Additionally, XXXX XXXX has entered a hard inquiry on my credit report without the required permission and in violation of the FCRA. It is my belief that this was conducted as a retaliatory act and with the direct intent of lowing my credit score even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: ProCollect, Inc.
State: TX

Complaint narrative:
Identify theft not my account at all I sent you guys my police report due to the situation some how when someone use my name it got placed on my credit it needs to come off I already filed with the FTC

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