vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-16 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: CA

Complaint narrative:
XX/XX/2018 I purchased a resume writing service ( {$290.00} ) from " XXXX  XXXX XXXX '' an online resume writing service provider using my Chase Preferred credit card. 
XX/XX/2018 I received first draft of the resume in 3 different formats. 
XX/XX/2018 I sent them an email and told them I am not happy with the resume. 
XX/XX/2018 I sent another email and told them I'm not satisfied. 
XX/XX/2018 I got another version ( 10 % change ) from the service provider. 
XX/XX/2018 I sent them an email and told them this resume isn't working for me. 
XX/XX/2018 I got an email from the service provider that I was supposed to receive a call " XXXX '' the owner I guess will call me. 
XX/XX/2018 I sent another email and told them I didn't get a call from anyone. 
__No response from them from here on __ XX/XX/2018 I opened a dispute with Chase. Case # : XXXX Between XX/XX/2018 and XX/XX/2018 - XXXX  XXXX from Chase and I played phone tags. We left at least 5 voicemails for each other. She was looking for information. We were able to speak only twice and I provided information she needed. Once when I called, I didn't have credit card on me so I couldn't verify the CC # as a result she didn't provide any service that day. 

XX/XX/2018 - I called to report that I've misplaced my CC and also discuss this dispute with someone. XXXX was the new specialist that " tried '' to help me. 

Summary of our conversation on XX/XX/2018 : After providing all the information he asked for, he put me on hold to try to get hold of the resume service provider ( XXXX XXXX XXXX ), they didn't answer. He came back on line and asked me to call him " EVERY HOUR '' so he can try to get a hold of the service provider. I asked why he can't call and talk to them without having me on the phone, he said call volumes are so high and Chase can't do that. And since service has been rendered, they can't just refund me. 

I argued that service I received isn't a service I was promised and I'm not satisfied ... he kept repeating him self. 

So I would like to file a complaint against Chase and how they handle dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: Credit Karma, LLC
State: NY

Complaint narrative:
I previously had a car loan with XXXX XXXX back in 2014. Since then, the account has been closed. However, according to my credit report the account is still open. 

Although I do not have a loan with rhis company, my mother XXXX XXXX does, but for a different vehicle.. 
As such, I have paid for her loan using my credit cards and assume the errors are from misapplied payments (? ) Regardless, this account is still being showed as active on my credit report and it is NOT nor has been for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I applied for an HSBC credit card and was approved. This was on XX/XX/18. Since then I have been unable to use the card because the account has been frozen. I have been trying to contact the conpany since I recieved the card and haven't been able to speak to anyone that can help. Every time I call " Customer Support '' I am on hold for 20 minutes and then the person answering says they have to transfer the call to another department. This happens over and over until finally they either hang up or tell me to call back later. It has been over 6 weeks and all I want now is to close the account - but I can't even do that without talking to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Federated Student Loan Services
State: FL

Complaint narrative:
I recently became unemployed and thought I was calling XXXX to enter a forbearance and ended up talking to XXXX XXXX at XXXX XXXX XXXX XXXX, and later to his " manager '' XXXX XXXX, who convinced me ( in my desperation to not have the {$270.00} to come out of my account ) to switch my loan over with them. They stated that XXXX was being accused of " fraud '' and they could me a student loan forgiveness in which I would only have to pay {$19.00} a month. However, first there was a fee of {$690.00} to switch it over, with a monthly fee of {$230.00} or biweekly of {$110.00} in 6 payments. They gave me a " discount '' of {$590.00}, " only '' paying {$99.00} biweekly. Later, I researched them and saw several bad reviews and went to my bank, XXXX, and was advised to get a new debit card so they couldn't take money out of my account, instead of " stopping payments '' because that would cost me {$25.00} a month. I reported them to the Federal Trade Commission and was advised the same and to block all their calls and have no further contact. I have yet to make any payments to them. 


The following contact information I have for them is : XXXX XXXX & 10 phone numbers I can provide should you need or want them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX regarding accounts XXXX IN THE AMOUNT OF {$140.00} dated XX/XX/2018 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that validates I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or whom they represent. I am also a victim of identity theft and this account is a direct result of identity theft as i have never ever done any business with them. Not only that I have never heard from XXXX before they inserted this account into my file. I was never give my right to dispute and ask for validation. Please remove this account from my credit file.

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 2018-08-16 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: Darnel Quick Recovery, Inc.
State: GA

Complaint narrative:
First, I have disputed with XXXX for them to delete the addresses listed below as they are inaccurate and erroneous : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX XXXX XXXX XXXX, XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX DELETE ALL ADDRESSES LISTED ABOVE!! 

I have disputed these inaccurate account entries with XXXX on numerous occasions and they have stated that the items were verified. To that end, I disputed with Darnel Recovery, the third party collection agency that is reporting this inaccuracy as well. Darnell alleges that a balance for 2 accounts is due in the amount of {$1100.00}. One account for {$650.00} and the other {$480.00}, yet they were unable to provide any documentation that bore my original signature for both entries, nor any documentation that reflected the financial responsibility page for both entries. Lastly, they never ceased reporting of these inaccurate entries to the credit bureaus as requested so that I may validate the alleged debts. 

To that end, I visited XXXX XXXX XXXX ( since renamed from what Darnel alleges ) and requested a complete and comprehensive document that reflected any charges that I may allegedly owe the facility. See attached documentation that reflects a mere 1 account and a balance of {$350.00}. XXXX has allowed Darnel Recovery to continue to damage my credit worthiness with these inaccurate entries. 

DELETE these entries immediately from my credit report per attached documentation that fully justifies the inaccuracy and untruthfulness in these entries being attached to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Between the dates XX/XX/XXXX-XX/XX/XXXX Capitol One continued pulled my credit without permission. There are a total of 3 hard pulls on my credit. I was advised there would be no hard pull on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My first stop was the Federal Trade Commission website to find out how OPT OUT of Prescreened Credit Offers. 

I found a link to XXXX which is apparently run by the major credit bureaus. 

After two days [ XX/XX/XXXX-XX/XX/2018 ] and numerous attempts to OPT OUT, I believe this site is intentionally defective and designed to not process valid consumer requests. 

I have filled out the form dozens of times including the CAPCHA and get the same two errors every time. The screen shot is attached.

Must Use Valid Format on the ZIP Code field.

Must Use Valid Format on the State field. 

I have tried both XXXX and XXXX to no avail. 

The State information is a pull-down list, the website fills out that field incorrectly on its own. There is nothing I could possibly do to fix it. This incompetence or another dirty trick from the Credit industry. 

I believe this form was intentionally designed to prevent consumers from protecting themselves from unwanted credit offers.

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 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After XXXX was Hacked and all consumer information was stolen, I placed a Freeze on my Credit Report to protect my confidential information. I am trying to apply for a new Credit Card which requirers XXXX XXXX to review my credit reports. XXXX has lifted the Freeze - XXXX and TransUnion are being difficult to deal with ... requesting enormous amounts of confidential information and requesting a fee to lift the Freeze. 

They are all being arrogant, unhelpful, and looking to make more money from a problem they created by allowing consumer information to be hacked.

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 2018-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
I took a {$750.00} Loan on XX/XX/18 from XXXX XXXX XXXX XXXX ( XXXX ) I made two payments as of XX/XX/18. 

First payment made was on XX/XX/18 Second payment made was on XX/XX/18 My balance on this {$750.00} loan is {$810.00} as of XX/XX/18. How can this be after making {$360.00} in payments? The balance is going up! Highway robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Vonda J. Dunn, P.C.
State: VA

Complaint narrative:
on XX/XX/2018, Vonda J. Dunn Attorney used illegal debt practices to get money for Home Owner Association Fees. She was told by lawyers she could not collect XXXX and instead took the money prior to the bankruptcy and moved it over to post bankruptcy allowing the courts to take my money from my daughters account. Her social security number is not associated with any of my accounts. Vonda Dunn repeatedly refused communication and I had already paid over XXXX on this account. She has repeatedly used illegal debt practices to collect on this HOA account. I want restitution on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I am filing this complaint against I C systems Inc. I do not know who this company is and what this debt is about. I have been working on cleaning my credit report on my own. As of XX/XX/2018 XXXX added this to my report and flagged it. This may be a dispute I had removed and XXXX continue to allow these negative collections to be add to my report under different creditors. I don't feel this is right. I am working hard to achieve the American dream and XXXX continue to set me back. I ask that you please remove this from my report immediately. Thank you for your time and consideration

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 2018-08-16 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: GA

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Equifax ( XXXX ) stating that they were reporting information on my credit report that is directly related to the unauthorized and illegal use of my identity back in XX/XX/XXXX/XX/XX/XXXX. Despite my efforts to work this out with Equifax, providing them with substantial proof to support my position, Equifax has failed to rectify this situation. In the company 's response, they stated that they were able to confirm that the accounts were mine and that I opened said accounts. I, however, never disputed that the accounts were mine, yet in fact, I admit that I did open these accounts. The issue for which I am disputing is the transactions that were made on the account for which I DID NOT authorize. If a proper investigation is done, you will see that I did, in fact, call in and inform XXXX of the situation back in XXXX, I have documented this incident TWO times with the FTC, I have filed an NCIC report to document this unauthorized activity, and I sought legal action against the culprit. Yet, Equifax, XXXX, and XXXX have not been able to provide the evidence to support that it was I who made these transactions. Therefore, Equifax 's failure to block this information from my credit report is in direct violation of section 605B of the Fair Credit Reporting Act. So, in accordance with the aforementioned policy, I ask that these inaccurate items be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This is becoming very exhausting. For whatever reason XXXX keeps removing my capital one account from my credit report which keeps dropping my credit score. My account is still active. My card ends # XXXX. Experian and XXXX is currently reporting however once again XXXX Keeps removing it. This is not fair to me and has kept me from relocating due to the huge drop in my credit score. 

I am also an authorized user on my moms Capital one account. That account was also removed. My mothers name is XXXX XXXX XXXX .The account was opened XX/XX/2010 and has a balance of $ XXXX.XXXX 's customer service is horrible. I've been told over 10 times the issue is with Capital one however when I contact Capital one my account is still active and was told over 10 times they report to each credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Equitable Acceptance Corp
State: FL

Complaint narrative:
I XXXX XXXX request through the Consumer Financial Protection Bureau assistance to have the collectors of a privatized student loan cease and desist making calls to me personally or my co-signer, who happens to be my uncle XXXX XXXX, who happens to be getting unlimited collection calls at his home as well. I demand under my rights with the Fair Debt Collection Practices Act that all calls cease immediately to both myself and my uncle, and that any correspondence be in written form only. I will deal with this agency in written form only, and from this point forward I am the only person that should be contacted on the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP, LLC
State: CA

Complaint narrative:
on XX/XX/2018 my XXXX ( XXXX XXXX ), card was decline on a transaction due to low funds on the account, when I arrived to my house I checked online and notice multiple transactions that I did not authorized and called Global Cash Card and explained to them, of the transactions that made on my account with out my authority. at the time of speaking with a Global Cash Card rep, the person who I was speaking with looked at the information in their system and agreed of the multiple transactions. further more they explain if I do not receive a letter I should get a credit back to my account or if I receive documents to fill out to do so and send back .... I received a dispute form on XX/XX/2018 and send back to Global Cash Card Dispute Dep. via email by XX/XX/2018. on XX/XX/2018 I received a letter from Global Cash Card dispute Dep. determining no error and because of that they will not credit my account back on the unauthorized transaction that I explain to them I did not make, soon after receiving the decline credit letter I called and then I was asked to get a police report to re open the case since they decided to close the case. got the police report and send via email and to this point I have try to contact Global Cash Card by phone and via email and still they're saying the investigation was finalized and determined there was no error and no credit will be issued. I have explain to them, that I did not gave anyone authority in any way shape or form to use my card and have not misplace my card..also I have received any information/documents they say they used to make there decision ... I mention to Global Cash Card, that I do not have none of the Disputed accounts. also attached are PDF and Note files and have proof of emails we send to them per their request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: MI

Complaint narrative:
I have checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

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 2018-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zenith Financial Network Inc
State: CA

Complaint narrative:
Received call from XXXX XXXX XXXX representative stating I did not pay for the loan that was taken out on XX/XX/2018. I have previously taken payday loans from this company and have paid for all of them but this one was not me. I did not receive any emails or notification that a loan was taken out and I checked my bank account and funds were not deposited into my account. I logged in to the website and the bank account associated to my account is not mine. I don't know how it was changed and advised the representative that this was fraud. They advised me to log into a website to submit a fraud request which I did. Within a week I received fraud paperwork which I filled out and send to them. On XX/XX/18 I received a communication from XXXX XXXX XXXX advising that this debt is now been acquired by another company and I am now receiving collection calls from a debt collection agency. I contacted XXXX  XXXX XXXX on XX/XX/18 and advised I had opened a fraud case and of the communication I had received and they advised me they would have a fraud representative contact me in 48 hours. I have not received anything from them and continue to receive phone calls.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation