vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-29 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: AZ

Complaint narrative:
Reserved a standard pickup truck from XXXX to be picked up at XXXX XXXX of the XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX for {$380.00} on XX/XX/XXXX. I called beforehand and verified it would be available at XXXX  XXXX when I landed ( was arriving shortly before midnight, on a Saturday, during peak COVID times ). When I arrived, it was not available at the terminal I reserved it at and I had to get to the other terminals parking garage with all my checked bags which took 30mins. Once there, XXXX gave me a lesser vehicle XXXX intermediate pickup truck ) but still charged the same higher price for the category I reserved. The XXXX employee also tried to add insurance that was not on the reservation which doubled the price, and XXXX employee added a surcharge that was not on my reservation. It took 15mins of arguing with the XXXX employee to remove the insurance, but they would not remove the frequent flyer surcharge. Since it was before midnight on Saturday, everywhere else was closed, and I had to drive an hour to get where I was staying that night, I had no choice but to take the closest vehicle they had available. The next day I realize it is a different category of vehicle that was lesser than what they charged me, and they clearly had not cleaned it ( despite advertising their cleaning of vehicles during COVID ). 

I sent a feedback complaint to XXXX and they never responded. I submitted a dispute to Chase who manages the credit card I used to place the reservation. They denied it without asking for any supplemental information. I appealed it and mailed supplemental information ( Chase creates arbitrary barriers like mailing the documents for disputes despite numerous tools to upload documents on their website. ). In that I sent them an invoice from XXXX clearly showing the discrepancy between the vehicle class I reserved, the vehicle class I paid for, and the vehicle class I received. I also sent photos showing the vehicle had not been cleaned ( during COVID peak times ) and a copy of XXXX company statement about their vehicle cleaning procedures. I also pointed out the surcharge added that differed from my original reservation email. They said that since I agreed to use the vehicle ( again I was in a position that I could not refuse it and could argue that I signed the agreement in duress ) that it was not a valid dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.

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 2021-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I obtained my XXXX XXXX in XX/XX/2019. At the time, I requested a lease ( I have leased countless vehicles over time, including XXXX prior BMWs ). I was provided a " lease agreement '', which the dealership referred to as BMW Owner 's Choice. I was told that this is how you lease a vehicle in Georgia. I didn't think twice. 2.5 years later I went to register the vehicle in another state. That state would not register the vehicle due to the conflict between ( i ) my name being on the title and XXXX ii XXXX the lease structure of the financing agreement. Even if they could register the vehicle, it would have required a full tax payment on the leased vehicle despite only 6 months less on the lease ( since my name was on the title ). Apparently BMW temporarily ( it no longer exists in Georgia ) created this structure to circumvent leasing laws in Georgia, yet neither BMW Financial Services nor Global Imports BMW provided NO DISCLOSURES around the implications of this, including the challenges with registering the vehicle in another state. I am now stuck in a situation where I am unable to register the vehicle. I spent hours on the phone with BMW Financial Services and with Global Imports BMW, even requesting that I turn the vehicle back in early and make the full payments through the balance of the lease term, since I can not be in a possession of an unregistered vehicle. Both entities neglected to get back to me on many occasions, due to their unfamiliarity with the financing structure they put in place that no longer existed. I have now run into a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Recovery Services, Inc.
State: SC

Complaint narrative:
COMPANY HAS RESPONED WITH FRAUD DOCUMENTS i HAVE ATTACH A POLICE REPORT ON MY BEHAV I AM A VICTIM OF ID THEFT AND MANY PEOPLE USE MY ID AND INFORMANTION FROM A STOLEN WALLET i HAVE LEFT ANOTHHER COMPLIANT I DONT UNDETSTAND WHATS GETTING MISCOMMUNICATION!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX my credit score was XXXX. XXXX  XXXX removed XXXX off my credit and XXXX  removed XXXX. These are still showing up on my credit report. I have correspondence from all 3 credit bureaus where they responded to me over the last year to my mailing address so XXXX. XXXX XXXX XXXX, Fl XXXX. Now they are stating they can not verify my identity as a reason to have not responded to my consumer disputes. That is at minimum unethical. The most prevalent dispute submitted was XXXX, which was submitted several times did not garner a response at all, moreover within 30 days. I asserted my FCRA rights to no avail.

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 2021-05-29 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: IN

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.

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 2021-05-29 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: TX

Complaint narrative:
hi This is XXXX XXXX! I have several issues with Experian and XXXX, they have always show my negative information when I applied for any credit card and it shows that I have delinquent account, when I was applying XXXX XXXX XXXX XXXX, I got decision that I have delinquent account but XXXX  is approving cards, I have very good payment history, no unpaid credit cards, no missing payments, nothing red flags, but XXXX, XXXX, and Experian are XXXX  my credits and providing wrong information to lenders. If lenders pull credit reports from EXPERIAN and XXXX, it always get denied and it shows I have delinquent. Government should take stern action against these companies.

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 2021-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
hi This is XXXX XXXX! I have several issues with XXXX  and TransUnion, they have always show my negative information when I applied for any credit card and it shows that I have delinquent account, when I was applying XXXX XXXX XXXX XXXX, I got decision that I have delinquent account but XXXX  is approving cards, I have very good payment history, no unpaid credit cards, no missing payments, nothing red flags, but XXXX, TransUnion, and XXXX  are discriminating my credits and providing wrong information to lenders. If lenders pull credit reports from XXXX  and TRANSUNION, it always get denied and it shows I have delinquent. Government should take stern action against these companies.

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 2021-05-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
hi This is XXXX XXXX! I have several issues with XXXX  and XXXX, they have always show my negative information when I applied for any credit card and it shows that I have delinquent account, when I was applying XXXX XXXX XXXX XXXX, I got decision that I have delinquent account but XXXX  is approving cards, I have very good payment history, no unpaid credit cards, no missing payments, nothing red flags, but CitiBank, XXXX, and XXXX  are discriminating my credits and providing wrong information to lenders. If lenders pull credit reports from XXXX and XXXX, it always get denied and it shows I have delinquent. Government should take stern action against these companies.

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 2021-05-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had never opened this credit card from bank of america. 
I would like to request my original document with my original signature so I can check and remove charge off 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 2021-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called Chase Auto Finance and in the past was told they do not charge late fees for 14 days in the state of florida. In the past they did not even up to day 14, as it is Florida law. I was told this many times both by phone and in writing. I was also told the loan could possibly skip a payment due to fema or state of emergencies declared. However just like how they lied and disrespected Ms. XXXX and the rest of the senators over the last 2 days, they are of course denying all this to me now in my time of need. There was the XXXX XXXX XXXX XXXX  XXXX XXXX as well as the XXXX XXXX XXXX. They will not provide releif and are not handling my calls. Very rude. Please help. As you know their is a famous XXXX saying that the fish rots from the head down. It appears to hold true, meaning corruption at the top is also stinking up other areas of a once great company. Poor leadership from the executive offices and redemption team is to blame here. Inconsistent people with inconsistent policies. I can not believe we bailed these clowns out again. Help me keep them honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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:
In XXXX my credit score was XXXX. XXXX  XXXX removed XXXX off my credit and XXXX  removed XXXX. These are still showing up on my credit report. I have correspondence from all 3 credit bureaus where they responded to me over the last year to my mailing address so XXXX. XXXX XXXX XXXX, Fl XXXX. Now they are stating they can not verify my identity as a reason to have not responded to my consumer disputes. That is at minimum unethical. The most prevalent dispute submitted was XXXX, which was submitted several times did not garner a response at all, moreover within 30 days. I asserted my FCRA rights to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: FL

Complaint narrative:
In XXXX my credit score was XXXX. XXXX  XXXX removed XXXX off my credit and XXXX  removed XXXX. These are still showing up on my credit report. I have correspondence from all 3 credit bureaus where they responded to me over the last year to my mailing address so XXXX. XXXX XXXX XXXX, Fl XXXX. Now they are stating they can not verify my identity as a reason to have not responded to my consumer disputes. That is at minimum unethical. The most prevalent dispute submitted was XXXX, which was submitted several times did not garner a response at all, moreover within 30 days. I asserted my FCRA rights to no avail.

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 2021-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
2 1/2 years ago I applied to refinance my mortgage with Wells Fargo. I had been with them for 15 years, had a high interest rate and needed to lower it. After 3 months of waiting I was refused. I tried to sell my condo 6 months later, had a buyer but she backed out at the last minute. This year in XXXX I tried for assistance with Wells Fargo, due to Covid I was having problems affording my mortgage. After 2 months I was denied. They say they are willing to work with me but how?. They suggested forbearance for a few months. I am XXXX years old, XXXX  XXXX. How could I possibly do that??? Where is the money all of a sudden going to come from, that would put me more in debt!! This doesnt make sense to me. I barely get by and have exhausted my savings. I dont want to go into foreclosure. I was an excellent customer for 15 years so why are they not helping me?? They pretend they want to and then fail to No one will help me unless I am in foreclosure. This is just awful.

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 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
hi This is XXXX XXXX! I have several issues with XXXX  and XXXX, they have always show my negative information when I applied for any credit card and it shows that I have delinquent account, when I was applying Chase Amazon Visa Card, I got decision that I have delinquent account but XXXX  is approving cards, I have very good payment history, no unpaid credit cards, no missing payments, nothing red flags, but XXXX, XXXX, and XXXX  are discriminating my credits and providing wrong information to lenders. If lenders pull credit reports from XXXX and XXXX, it always get denied and it shows I have delinquent. Government should take stern action against these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I reached out to a collections agency attempting to validate a debt and they advised they need to obtain information from the seller and want me to wait for 90 dyas. They currently have the debt and should have all the required information to verify the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: Affirm Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/2021, I started the return process with XXXX with XXXX. 
Since then XXXX had Blacklisted me and refuse to do anything. 

After they Blacklisted me, I filed an complaint with XXXX ( XXXX refuses to respond to XXXX ), I had disputed the charge. 
Reason why is that the products are defective and XXXX refuses to contact me back ( Blacklisted ). 

Under the " MagnusonMoss Warranty Act '', by law, XXXX supposed to honor the warrenty and fix they products in a timley matter. 
XXXX refuses to honar the warranty by either fixing or exchanging the products in a timley matter. 

" MagnusonMoss Warranty Act '' also states that if XXXX don't do or refuses to do any of said stuff, it states that entitled to my choice either a Full Refund or a replacement, both of which is at no cost. 


I gave Affirm everything and then some backing everything up on what I am claiming. 
Affirm emailed me on XX/XX/2021 letting me know that Affirm is breaking the law and they are alowing XXXX to break even more laws and that I am responible for the entire ballance. 

1 more thing, Affirm claims that I am 2+ weeks late on my 1st payment.

Even tho Affirm lock my account for 2+ weeks and their system refused to allow me to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had a credit freeze and fraud alert from a previous data bread starting 2019. Since checking my report I noticed numerous inquiries from companies I have no relationship with. I have contacted both the companies and credit bureaus to resolve but only given computer generated responses that they are verified with no proof of verification.

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 2021-05-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter to Experian, XX/XX/2021, disputing inaccurate accounts on my credit report. They have not provided proof of the accounts, I asked to verify the accounts they listed and they haven't, nor have they responded or removed 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