vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I tried to ava il Chase Sapphire 's trip  delay benefits last year in  XXXX ,  XXXX  when my flight was delayed by more th an 24 hours. However, I have been working with them until now. Chase has outsourced this part to  XXXX  ( benefits admin company ) and the y do not let me talk to anyone in management. I have left multiple voicemails such as on  XXXX   XXXX ,  XXXX   XXXX , etc to their supervisors to inquire but no response on my case.     To explain the process in detail, I submitted the supporting claim docs in  XXXX ,  XXXX  by regular mail which was probably lost in mail. I called again in  XXXX ,  XXXX  to see the status as I never heard back. I submitted my documents again ( this time electronica lly ).    After a lot of one-way communication in  XXXX  and  XXXX  with Chase/ XXXX  my claim was denied on  XXXX   XXXX ,  XXXX  on the grounds that I submitted documents later th an 184days. I fil ed an appeal on the same date but till today there has been no resolution. When I call  Chase, who  sold me this credit card (  XXXX  $ annual fee ) they say they are not responsible for these benefits which are handled by  XXXX , and transfer my call to them. And  XXXX  does  not give me an update, they say they will contact me within 24-48hrs, if I dont get an update I should call again. This cycle has been going on for sometime, and has led me to believe that they are not intend ing to serve customers like me. I request you to look into this malpractice and get answers from them why and how they treat customer requests in such a way. Any specific timeline they should answer my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I sold a car, a  XXXX   XXXX , several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around  XXXX  or  XXXX ,  XXXX , in  XXXX , VA. I sold it in  XXXX ,  XXXX , in  XXXX , TX. I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in  XXXX ,  XXXX . I respectfully request your assistance in having that  XXXX  Loan acct taken off my records.

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 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I sold a car, a  XXXX   XXXX , several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around  XXXX  or  XXXX ,  XXXX , in  XXXX ,  XXXX . I sold it in  XXXX ,  XXXX , in  XXXX ,  XXXX . I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in  XXXX ,  XXXX . I respectfully request your assistance in having that  XXXX   Loan  acct taken off my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft. I am writing to request that Transunion  Consumer Relations  block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any 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 explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
I agreed to pay  XXXX  ever  XXXX  for 10 months to payoff. I made  XXXX  payments  XXXX  {$200.00}  XXXX  {$79.00}  XXXX  {$79.00}  XXXX  {$79.00} all to  XXXX  Illinois And  XXXX  to  XXXX  collections Grand tatol {$830.00} means I over played but which amerend sent me check of  XXXX  taking it to  XXXX  tatol.       So then me   and company   agreed to pay    what I   o wed which was  XXXX  after I sent proof of payments. And I played them the  XXXX  in full now I 'm seeing on my credit report. And ever time I call they have not talked to  XXXX  Illinois yet.

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 2017-05-20 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: GA

Complaint narrative:
I have sent  XXXX  written request to Experian requesting the removal of the listed unverified items. They have failed to send me copies of the document s that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requestin  g deletion of all disputed accounts which they did not verify.

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 2017-05-20 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: FL

Complaint narrative:
I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft. Equifax,  XXXX , and   XXXX   refuse to remove fraudulent inquiries from my credit report and I am attaching  XXXX  copies of their responses to this complaint along with yet  XXXX  police report and notarized letter disputing the inquiries.   They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20 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:
I have a   bankruptcy showing on my credit report with Equifax. I filed a dispute on Sunday  XX/XX/XXXX  to have it removed. They show the investigation was completed on  XX/XX/XXXX  and they said they verified the correctness of what they were reporting through   XXXX   XXXX  . I contacted   XXXX   XXXX   about this and they did an investigation to check the validity of the bankruptcy and I received notice in XX/XX/XXXX that   XXXX   XXXX   had removed the bankruptcy from my national credit file with their company since they could not verify the bankruptcy. I then filed disputes on XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and all of these disputes were to get Equifax to remove the bankruptcy from my credit file since the third party company they use to verify the information had deleted the bankruptcy from my file with them. All of these disputes came back with the same response : The Results Of Our Reinvestigation Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor,   XXXX  
  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   GA   XXXX     XXXX   XXXX   XXXX   > > > We have reviewed the bankruptcy information. Case or ID #  XXXX  The results are : We have verified that this public record item is reporting correctly.
I find this kind of odd because I received a letter from   XXXX   XXXX   dated  XX/XX/XXXX  which was shows there was no bankruptcy on my file with them. My dispute with  Equifax  dated  XX/XX/XXXX  yielded the same response fro m Equifax a s all the other disputes. I then on  XX/XX/XXXX  filed another dispute with Equifax to have them remove the bankruptcy. I pulled my credit report from Equifax on  XX/XX/XXXX  and it shows the bankruptcy was still there but they had changed the updated date of reporting to XX/XX/XXXX . I called the Equifax automated system on XX/XX/XXXX and it stated that the investigation was completed on XX/XX/XXXX . Again I find this ridiculous that they did not remove it this time as I uploaded the letter from   XXXX   XXXX   that I received in  XX/XX/XXXX  stating that they had removed it from their records and I also upload the report that   XXXX   XXXX   sent me dated XX/XX/XXXX  showing that their were no bankruptcies listed on m  y credi t file with   XXXX   XXXX   ( company Equifax us  es to verify public records )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Re :   USAA  Credit Card  Number  ending  XXXX . Dispute Resolution amount {$200.00} I AM REFUSING TO PAY THE AMOUNT. WHAT KIND OF A CREDIT CARD COMPANY AND I DEALING WITH HERE. I NEVER RECEIVED THE GOODS SO WHAT AM I PAYING FOR?. I AM YOUR CUSTOMER AND I CAN NOT GET A HOLD OF THIS MERCHANT SO I KNOW USAA NEVER DID A GOOD FAITH INVESTIGATION. NO TRACKING AND NO DELIVERY OF THE ITEMS AND NOW YOU TELL ME I HAVE TO PAY {$200.00}. NOT IN THIS LIFETIME. NEXT I WILL BE WRITING TO THE  CEO  AND WILL NEVER PAY FOR GOODS I NEVER RECEIVED. AGAIN SEE BELOW  : 1 ) I  purchased the Goods from this merchant ( SNEAKERS ).      2 )  The SNEAKERS were never shipped and or received.      3 )  I contacted the  XXXX   XXXX  XXXX  XXXX ?  XXXX  and requested update as far as the delivery or tracking numbe r 4 )  Received no response from Merchant as of this writing.      4 )  Please Refund the {$200.00} for item purchase but not shipped by Merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with contract or any instrument bearing my signature validating that the debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I received an email from  XXXX  saying that a new negative debt had been posted to my   XXXX    Credit Report by TransWorld Systems INC. I checked with both the original debtor and the  XXXX   XXXX   XXXX  with whom I have already been working to pay this debt. Neither have ever heard of  XXXX  or has any affiliation with them.     They posted  XXXX   (  XXXX  ) d ifferent accounts on my report allegedly from the same debtor as well. This is also false according to the original debtor,  XXXX   XXXX   XXXX   XXXX  in  XXXX  Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft.  XXXX , Transunion, and   XXXX   refuse to remove fraudulent inquiries from my credit report and I am atta ching two copies of their responses to this complaint along with yet ANOTHER police report and notarized letter disputing the inquiries.    They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.

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 2017-05-20 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 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft.  XXXX ,  XXXX , and Experian refuse to remove fraudulent inquiries from my credit report and I am attachin g two copies of their responses to this complaint along with yet ANOTHER polic e report and notarized letter disputing the inquiries.   They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.

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 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I have a debt from  XXXX  listed on my credit report that is in collections but I never had an account with  XXXX . Th e Collection Agency Convergent Outsourcing , Inc. is the one rep orting this debt on my credit file. I have used  XXXX   XXXX   XXXX  to try to get it removed as they have not sent any type of communication on when I actually did obtain this said account with  XXXX .  XXXX   XXXX   XXXX  was not able to get it removed as the collection agency is not responding back to them with proof that this is my debt.

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 2017-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a checking account after receiving a promotional flyer in the mail. I would receive a {$400.00} bonus for :  1. making 10 debi t card purchases by  XXXX   XXXX    XXXX   2. enrolling in online statements by    XXXX   XXXX   XXXX  . 3.  registering for the promotion using the referral code. I opened the account on  XXXX / XXXX /  XXXX   following the directions. I enrolled in online statements and made the debit card purchases as required. I did not receive the bonus. When I inquired with Regions, I was told many different reasons ( I qualified, but have to wait 6 months from account opening ; I did n't register the account correctly ). I finally emailed and received an elevated inquiry with customer solutions. It was said that I was n't enrolled in online statements. The system showed that I enrolled in online statements on  XXXX / XXXX /  XXXX   but then unenrolled the same day. I did receive a paper statement in  XXXX . I sent a secure message via my online account to inquire about this on  XXXX / XXXX /  XXXX  . I did not receive any detailed information ; only the directions to enroll in online statements. I re-enrolled, even though I never unenrolled. For this reason, I feel like the company is witholding the bonus due to a computer error, not my own. I followed up with customer solutions, who informed me that the branch manager where my account was opened  (   XXXX   XXXX   XXXX   XXXX , GA  XXXX  ) could override the decision. I first spoke, then emailed  XXXX   XXXX , a branch banker who said he 'd help me. He did n't respond for a week after I provided him the information and I emailed him again. His response stated that he could not help. I called customer solutions again and had the representative (  XXXX  ) contact the branch manager on my behalf. The branch manager,  XXXX   XXXX , would not override the decision.

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 monetary relief
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: NC

Complaint narrative:
I sent a letter around  XXXX   2017 asking for this debt collection company to show me proof of valadation of this medical debt and they have not sent me anything to prove that it is actually my indeed debt. I have waited pass the 30 days to give the company time to respond to the debt but nothing has been sent to me via mail showing proof that this debt with First Fina  ncial Asset Management is actually  my debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had bank accounts with JPMorgan Chase since around XX/XX/XXXX, and Chase allowed fraudsters to link my checking and saving account to their XXXX accounts and charged my accounts total of {$4900.00} fraudulently. Chase is only willing to pay back {$1700.00} out of the {$4900.00}. Following are some facts : 1 ) My checking account number was XXXX and saving account was XXXX. 2 ) Fraudsters linked to my Chase checking account through XXXX since XX/XX/XXXX and charge {$3100.00} from my account until XX/XX/XXXX. 3 ) Fraudsters linked to my Chase saving account through XXXX since XX/XX/XXXX and charge {$1800.00} from my account until XX/XX/XXXX. 3 ) I found the frauds and notified Chase immediately on XX/XX/XXXX. 4 ) Chase never notified me by any means that my accounts were linked by XXXX and just silently let fraudsters to withdraw money from my accounts. 5 ) Chase didnt do the very basic verification of name matching when my accounts were linked to XXXX. 6 ) When I report frauds to Chase on XX/XX/XXXX. 8 charges of total amount of {$680.00} were in pending status. Chase didnt do anything after my report to stop these charges and just let them go through. 7 ) When I found the frauds, I was about to have an urgent trip oversea and explicitly asked Chase to put my accounts in limit mode so money cant be withdrawn, but do not close them so I can access statements online to help me to get my money back from XXXX. But Chase closed my accounts anyway during my trip without any notification and make it impossible to get statements other than visit their branch. This made my effort to get my money back more difficult. 8 ) Chase didnt do any extra protection to my saving account, which conflicts to what I was told when I open saving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAB Receivables, Inc.
State: NC

Complaint narrative:
I sent a  letter to Cab Collection  agency in  XXXX  of  2017 asking for proof that said debt they are reporting is actually my debt but havent recieved anything from the collection agency as of yet proving that this is indeed my debt. I tried to dispute this with the credit bureaus only for it to come back as verified but the company when reaching out to them says that they can not find the acco unt infomation to verfiy the debt.

Company response to consumer: Closed with explanation