vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, i purchased what i believed were plain, non marked jackets from a seller on XXXX. The package i received contained all marked, counterfeit XXXX XXXX XXXX. On XX/XX/XXXX or XXXX, i called Chase to file a chargeback for Counterfeit Item. Today on XX/XX/XXXX, i am notified by chase that the operator i spoke to filed the dispute as Incorrect amount, and that the evidence of counterfeit items i submitted meant nothing when they asked for more info on XX/XX/XXXX and now i am rebilled the disputed amount. I have been punished for the Chase customer service representatives mistake in filing the wrong dispute reason. If there is recording of calls like the automation says before a chase call, you will hear me specifically tell the operator this is for a counterfeit claim and they even repeat back to me that they understand i am filing the dispute for counterfeit items. They then proceed to file it for incorrect amount charged. I am not expecting this when they ask me for more information, so i submit the requested evidence which i believe they are asking for which is evidence of counterfeit. They are now telling me i can not re open this dispute and this is absurd and i have been robbed over a customer service agents stupid mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, my name is XXXX. Lately Ive been having trouble opening and account with certain banks due to my chase account being closed down. My account was closed down due to fraudulent activity that I wasnt aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been in communication with XXXX regarding an account that does not belong to me. I have received documentation from XXXX stating that they were not able to verify the debt and have asked for the 3 Credit Bureaus to delete from my credit report however the credit bureaus have not deleted it as of 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 non-monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I have repeatedly emailed Netcredit and sent a screenshot from Netcredits terms and conditions where it clearly states that if an account is created it can be closed. I created an online account before I was denied. I simply asked them to close the account and deactivate it. It has nothing with any database deletion So I have simply asked that the account created and tied to this email that I am emailing from be closed. That has NOTHING TO DO WITH ANY DATABASE!

Not to mention, in the Equal Credit Opportunity Act only states that they have to keep my information in their database for 25 months, NOT FOREVER! 


CFPB link : XXXX XXXX XXXXXXXX Copy and pasted response from NetCredit. 
On XX/XX/2021, at XXXX XXXX, XXXX wrote : Thank you for choosing NetCredit, America 's trusted online lender. 

This email is to confirm that your concerns have been reviewed by our Final Resolution Team.

After a careful review of your account and information available to us, our records indicate that you raised concerns that you wanted your information to be removed from our database. 

After further review, we regret to inform you that due to the XXXX Equal Credit Opportunity Act, we are required by law to retain a record of any customer information submitted to us as well as the status of each application received. 

Our records indicate that we have processed your request to opt/out your account and a email was sent XX/XX/2021 advising you of this information. In addition, NetCredit will not share your personal information with any affiliates and non affiliates of NetCredit. Rest assured that we take data security and privacy very seriously and safeguard all information that we obtain. 

If you have any questions or concerns, our customer support team is available seven days a week to help answer all your questions via phone, email or online chat. 

NetCredit Customer Support Team Phone : XXXX Email : XXXX www.netcredit.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
I AM XXXX YEARS OLD WOMAN SELECT PORTFOLIO INITIATED 3 FALSE, DECEPTIVE, FRAUDULANT FORCLOSURE, and harass me every month by sending letters regarding debt and lien that not exist and threaten me they will initiate another foreclosure after moratorium lift in DC. DEBT AND LIEN DO NOT EXIST. 

Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I requested something as simple as a goodwill adjustment to be done on my account back in XXXX by an email that I sent to Westlake corporate office & letter I sent to their their XXXX XXXX branch, both letters were ignored until I sent the letter directly to the customer service team on XX/XX/23 regarding an issue with them charging me for a returned payment that was actually paid from another card that I had on file. I asked for the goodwill adjustment due to an SBA loan that Im trying to acquire to pay off the remaining $ XXXX on my car loan & to be able to save my small business, I only asked for one payment to he adjusted due to some mistakes I made earlier in the year due to the COVID pandemic. I have been consistent with my payments since the first 2 30 day lates I incurred. Im not asking to skip payment or anything special, just a goodwill adjustment & will give my continued consistency with paying on time. Even as a person with a XXXX Im not making excuses, but I really dont want to have to end up going back on XXXX after working so hard to maintain 2 years in business

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 2021-09-09 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
The first credit card was opened for XXXX XXXX XXXX XXXX  which was opened on XX/XX/XXXX. They are only reporting some of the payments I made on the account. When my account got closed ... they reported I made NO payments which is inaccurate. I then settled the debt of {$200.00} directly to the creditor on XX/XX/XXXX. BEFORE I paid or settled the debt I asked for a letter in writing to delete the account. The representative whom name is XXXX  extension XXXX stated to call back in 7 days for the letter of deletion to be sent out and for the credit bureaus to be updated. I never received that letter being over a YEAR later. The account is marked off as legally paid in full for less than the full balance. I reached out to the company XX/XX/XXXX to ask about the deletion letter since Ive reviewed my reports and it is hurting me financially and emotionally they stated they do not do pay to delete letters so now I feel I was lied too to just pay my debt and I am left with a negative remark on my credit. I disputed the charges via by mail, email, phone call... I am getting no resolution. 

The second credit card was by XXXX Comenity Bank which was opened on XX/XX/XXXX. I have sent in multiple disputes as well for this account via mail, email and by phone. They reported my account closed TWICE... .I have been trying to understand how a company can charge you twice for the same credit card? I repeatedly sent letters out JUST to get the XXXX inaccurate charge off. I hired a credit repair company out of desperate needs to improve my credit report. They did not do much justice for my situation. I then was back at square 1 figuring out what to do. I called XXXX personally to get these inaccurate charges off. I settled my debt on XX/XX/XXXX for the amount of {$170.00}. I pleaded to them my responsibility of debt since I have been a member of them by having perfect payment history and I have 3 lines of credit open that are in perfect status. 

All I have received by the companies via mail is letters stating what I owe ... which is a balance of {$0.00} for the company. No information further of them deleting the account or any investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This account I do not recognize is not valid and has already been disputed with another collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been in communication with XXXX regarding an account that does not belong to me. I have received documentation from XXXX stating that they were not able to verify the debt and have asked for the 3 Credit Bureaus to delete from my credit report however the credit bureaus have not deleted it as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I just saw it on my Credit report without notified me they didn't send even one letter they just reported on my Credit it hurts my score badly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: GA

Complaint narrative:
Hello I'm reaching back out to you all regarding a compliant I sent a little over a month ago about some accounts on my credit that are mine. Some of the accounts did come off but there are some still left and some inquires. Please have these accounts and inquiries removed from my credit XXXX XXXX XXXX XXXX XXXX The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I'm doing this on my own and need some help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I had some charges on my credit card they were not mine I brought to the attention of the hotel they werent very nice and were not willing to do anything so I called the credit card company and made a dispute turns out they reported negatively to XXXX XXXX and XXXX And my credit dropped XXXX points and I learned just recently theyre not supposed to do that having a dispute does not affect your credit but it did the bill wasnt even in yet this is all within one week and I brought to the attention of the credit card XXXX and they said they pass the buck basically then I called the credit reporting are the credit agencies and they pass the buck back to the credit card company so nobodys willing to admit this or fix it like I said I learned that it was wrong for my credit to drop as a result of this so this sounds like a pretty big complaint I was getting ready to buy something and now I cant that is wrong and that Sounds illegal and I want this investigated I want some answers finally from somebody

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am still trying to recover my money from Capital One, I've been a customer of theirs for years but they allowed a fraud to occur even after XXXX tried to stop it. I'm out {$2700.00} and this company does not care. 

I paid a seller on XXXX app with my Capital One Visa credit card. It turned out to be a fraud. The seller shipped fake shoes to me instead of the XXXX XXXX  I paid {$2700.00} for. XXXX put a hold on the funds, while they investigate. I got impatient and scared, reached out to capital one for help. They denied my dispute and had XXXX release my money to the scammer. I find it appalling that XXXX could have refunded my money, but because of CAPITAL ONE and VISA, I am scammed out of {$2700.00} because they chose to side with the scammer instead of me, their customer. This is ridiculous. I am trying to recover my funds and Capital One has so far been no help. Be wary of using your Capital One cards with online sellers. If things go wrong, Capital One will never protect you. I've reached out to XXXX on this and they referred me back to my card issuer. 

I need capital one to reach out to me and resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I don't recognize that account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: IL

Complaint narrative:
I pulled my credit report recently and I have information that is inaccurate. I wasnt also able to pull my XXXX and transunion. This is the second report that I have filed cfpb.com has supposedly lost the first filing i have spent 2 days on the phone even receiving a email from you to send a respond and I did and still no respond. So I am filing again. 
My name is spelled multiple ways and there are several addresses which will be listed below that do not belong to my possibly a relative or the information numerically are incorrect. I have multiple phone numbers on the report which are not mines. Accounts that should have been included in my bankruptcy that are not. And multiple hard inquires that I have not done business with that need to be removed this is a serious error and its costing me thousands of dollars in interest fees and denial letters because of inaccurate information and not properly reporting I am in distress the items listed below need to be removed immediately. 
addresses : XXXX XXXX XXXX XXXX # XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXXXXXX XXXX XXXX MT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL telephone numbers that are inaccurate : XXXX ) XXXX XXXX ) XXXX employers that are incorrect : the XXXX XXXX and XXXX need to be removed accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HASNT BEEN REMOVED SHOULD HAVE BEEN INCLUDED IN BANKRUPTCY CHAPTER XXXX BANKRUPTCY IS FILED INCORRECTLY ITS NOT INCLUDED ALL THINGS THAT WERE PAID AND AGREED UPON 13 HARD INQUIRES AND 9 OF THEM I HAVE NOT DONE BUSINESS WITH AT ALL OR HAVE NO KNOWLEDGE OF THEM.

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 2021-09-09 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: IL

Complaint narrative:
I pulled my credit report recently and I have information that is inaccurate. I wasnt also able to pull my equifax and XXXX. This is the second report that I have filed cfpb.com has supposedly lost the first filing i have spent 2 days on the phone even receiving a email from you to send a respond and I did and still no respond. So I am filing again. 
My name is spelled multiple ways and there are several addresses which will be listed below that do not belong to my possibly a relative or the information numerically are incorrect. I have multiple phone numbers on the report which are not mines. Accounts that should have been included in my bankruptcy that are not. And multiple hard inquires that I have not done business with that need to be removed this is a serious error and its costing me thousands of dollars in interest fees and denial letters because of inaccurate information and not properly reporting I am in distress the items listed below need to be removed immediately. 
addresses : XXXX XXXX XXXX XXXX # XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX MT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL telephone numbers that are inaccurate : XXXX ) XXXX XXXX ) XXXX employers that are incorrect : the XXXX XXXX and XXXX need to be removed accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HASNT BEEN REMOVED SHOULD HAVE BEEN INCLUDED IN BANKRUPTCY CHAPTER XXXX BANKRUPTCY IS FILED INCORRECTLY ITS NOT INCLUDED ALL THINGS THAT WERE PAID AND AGREED UPON 13 HARD INQUIRES AND 9 OF THEM I HAVE NOT DONE BUSINESS WITH AT ALL OR HAVE NO KNOWLEDGE OF THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
In XXXX XX/XX/XXXX I think it was my check was deposited on to this card and they kept that so on XXXX the XXXX I had a deposit of {$5000.00} get deposited on there well that close to my account and they won't give the money back I have sent letters that haven't even talked sent it back to the Small Business association it was a grant that they had gave me and now they won't send it back I've even tried to contact them several times through emails I even give it to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
UNDER THE FCRA LAW I would like the following inaccurate items removed from my credit report immediately. 

The following Name, Address, phone # & Social security # are NOT mine and would like them removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX This address has pertained to a business : XXXX XXXX XXXX XXXX LA XXXX. 
RETAIL TRADE BUSINESS : XXXX XXXX XXXX, XXXX, LA, XXXX. 

THE ABOVE ADDRESS IS NOT MY BUSINESS. 

FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had my original mortgage with Wells Fargo. Since I was already a customer I decided to refinance with them on or about XX/XX/XXXX. On XX/XX/XXXX the mortgage refinance was still not completed. The problem was with a HELOC I had with XXXX XXXX. They needed XXXX  to subordinate the loan. They were not able to get that done in 9 months. Fortunately I have my XXXX  account Vice President at XXXX  and he took the time to contact the subordination group at XXXX  and told me flat out that is was an issue of negligence on the part of Wells Fargo for ignoring requests for information or sending information that was past the date that they could use it. On XX/XX/XXXX, I contacted another bank and they were able to complete the refinance in 28 days without a problem. The incredible delay caused me to have to pay an additional {$1500.00} a month in mortgage payments and a fee to get the new mortgage. I have the names and emails from every person that was involved in their negligence. I did get a letter from a Wells Fargo Case Specialists after I complained stating that they were not at fault.

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