vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 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: NY

Complaint narrative:
Capital One is refusing to support my disputes on my Venture One card from unjust charges from two different companies. It appears they have some sort of block on my account. I am not even able to dispute any charge digitally online. I am forced to call every time. This costs me hours on end each time I need to call because I am put on hold. I should be able to dispute the charge directly on my online banking. But I am unable to do so. The company charges I am disputing with CFPB are charges to XXXX & XXXX on my Capital One Venture One Visa. 

XXXX has charged my account for bookings not stayed, and initially charged to someone with the name XXXX, not myself. I was promised refunds from Airbnb, and even have documentation proving so. I have sent this to my credit card company ( capital one ), they refuse to dispute this further. I contacted Visa, and they told me Capital One must continue the dispute. Capital One then says they can't because visa policy. it is very odd. I have proof that I am entitled to refunds. 

I have email documentation from XXXX showing they canceled bookings and issued full refunds. However, I only have partial refunds from XXXX. There is still around {$1000.00} in charges from XXXX that I have not been refunded. 
I am now being charged a high APR on this. I am unable to pay these charges and each month that goes by this is causing me more debt. 

I fly with my registered service animal. I have proper documentation. I have flown XXXX in the past, and have not had any issues. The dog was approved with the documentation and I even have written confirmation from XXXX that the dog was approved as a service animal. However, upon arrival at the airport, I was refused entry with my service animal, which made me miss my flight. I then had to spend a ton more money on last minute rentals and flights. The only amounts I am disputing are the charges for the flights that i was unable to take and the charges for luggage I was unable to use. I have evidence that my dog was approved as a service animal on board, and I have evidence that I was denied entry. I then had to book different flights to get home and spent additional money renting cars. 

I have attached my original booking ticket which shows codes for service animal. 

Please help me clear out these payments that are unjust and unwarranted. I have evidence I should have full refunds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HFS Financial LLC
State: SC

Complaint narrative:
*** THIS IS NOT A DUPLICATE CLAIM*** hfs financial is a company that shops home improvement/pool loans for you with banks and credit unions.I have two previous loans through them which are almost paid off with no late payments. i applied for a loan at the end of the year and got approved with XXXX XXXX XXXX XXXX XXXX XXXX. the loan was approved and then denied due to hfs stating they could not properly identify me. i was told to wait 45 days and reapply. six months later they are refusing to let me re-apply. i later found out the reason they couldn't identify me was because i had a security freeze on my credit file and it was blocking new credit attempts. i have since cleared that up and notified hfs that my file was open. They are still refusing to shop a loan for me with no explanation 's feel i am being discriminated against. i was also told that they do not deal with customers who have filed a complaint against them, because i filed a complaint when they stated they could not identify me. the same thing happened to someone that i referred to them and when they could not identify him the first time they allowed him to reapply ( XXXX XXXX of new york ), i have also referred multiple people to them through my business for loans and they have worked with everyone and been very lenient. they have been rude and nasty to me and all im trying to do is get help obtaining another home improvement loan. they offer the lowest rates and i can not understand why they are refusing to work with me. i have lifted the security freeze and should be treated like everyone else that i have referred to them. is it because i am a person of XXXX? im not sure because everyone else that i have referred was not a person of XXXX so im very confused and feel disrespected. i was told to reapply in 45 days and now they are saying i was never told that. i was told that by a supervisor and the website.i was also told that i would be reset in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: MI

Complaint narrative:
I have a fraudulent account on my credit report from citizens pay off credit for {$2.00}. I didnt apply for this credit or line of credit. I have attached the police report and FTC email after I filed a fraud complaint with the government. 

Also I have inquiries that I didnt make XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 / XXXX XXXX  XXXX XXXX XXXX XXXX  - XX/XX/2023. XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX = XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I sent a certified letter explaining there are incorrect information on my credit report and would like it removed. I looked at my credit report and noticed the wrong addresses are still showing up. its addresses on m credit that I have never lived at. I am hoping all 3 credit Bureau XXXX, TRANSUNION, XXXX fix the problem and remove inaccurate information of my credit report immediately.

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I sent a certified letter explaining there are incorrect information on my credit report and would like it removed. I looked at my credit report and noticed the wrong addresses are still showing up. its addresses on m credit that I have never lived at. I am hoping all 3 credit Bureau XXXX, XXXX, EQUIFAX fix the problem and remove inaccurate information of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/2023 began disputing credit report. XXXX, XXXX XXXX, Equifax et al have reported inaccurate information on credit report and have not deleted information reflecting an accurate credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I called to verify why inquiries that I sent letters about has not been removed they said I need to resend the letters again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I called to verify why inquiries that I sent letters about has not been removed they said I need to resend the letters again.

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 2023-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Kentucky Management Services, Inc
State: KY

Complaint narrative:
I had to receive XXXX XXXX and stay in the hospital for multiple days. This resulted in a XXXX dollar medical bill from the hospital, I am uninsured. I attempted to apply for financial aid through the hospital but was denied. This debt was then sold to collections. I have spoken with the company and they were unwilling to offer any reduction to this debt, which is no way will I be able to pay or even attempt to pay off with a payment plan. This was not a voluntarily procedures and if I wouldnt have died without it I would have not opted to get the XXXX for fear of medical debt that I could not pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
There are 2 names on my credit report. My name and XXXX  and my twin name is XXXX. XXXX XXXX XXXXXXXX, XXXX and Discover I didn't apply for anything from these companies. 
Also my address is wrong I never lived in XXXX, NC  nor XXXX, Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: MI

Complaint narrative:
I have a fraudulent account on my credit report from citizens pay off credit for {$2.00}. I didnt apply for this credit or line of credit. I have attached the police report and FTC email after I filed a fraud complaint with the government. 

Also I have inquiries that I didnt make XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 / XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XX/XX/2023. XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX = XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management Inc/ XXXX XXXX XXXX /started lawsuit without prior notification- despite denial of debt existence. XXXX purchases writed off credit card debt for XXXX cents on dollar and on basis of shody evidence initiated lawsuit. 
Theirs business model is utilization of taxpayed courts to obtain default judgement, followed by utilization of sheriff office to satisfy default judgement. 
Contract have arbitration clause and should not be subject to court. 
Starting lawsuit cost Midland credit management $ XXXX {$200.00} Arbitration cost is {$5000.00} paid by junk debt buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I use XXXX  sometimes to make payments to vendors.. I have been using XXXX for YEARS with my Chase credit card and it has never been a problem. All of a sudden Chase started not only charging me an interest on a cash advance which WAS NOT a cash advance but they also started charging {$5.00} transcation fee for each charge when I used XXXX XXXX. All this started in XXXX! I called Chase and asked for them to take them off because I was unaware and I can PROVE where I been using XXXX  for 2 years with them and they just NOW started charging these fees without letting me know or making me aware! These fees are unauthorized being they did not make me aware! It also should be illegal they charge me a cash advance and a transaction fee when I was making payments to vendors, not taking out cash or going to a atm. It also should be illegal to charge me a {$5.00} transaction fee and a cash advance fee for sending {$3.00} payment to a vendor! This should be against the law and my next step is getting a lawyer. I was not aware and Chase could have worked with me but instead they just argued when I called them and said they cant take off transaction fees. I will be closing out my card at the end of summer and opening a new one with a different bank! I have had this credit card since XXXX. I have attached my credit statements to show how Chase just started charging these fees out of no where without any explanation! You can see in XXXX they don't charge cash advance fees or transaction fees but in XXXX and XXXX Chase decided to to just start charging fees without my knowledge. This should be illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: U.S. BANCORP
State: NJ

Complaint narrative:
I was charged XXXX for an order with XXXX XXXX XXXX from XX/XX/XXXX which was never received by me. The retailer directed me to open a dispute with the credit card company and promised that they will make a record and not contest the charge. I opened a dispute with Elan Financial Services and explained what happened. I received XXXX provisional credits- XXXX for XXXX and XXXX for XXXX, totaling XXXX. Recently the credit for {$81.00} was reversed. I contacted Elan Financial Services and they made the false claim that I said that I received the package. They also said that they sent out a form that I need to return. I reiterated that the package was not received and gave them my address for them to resend the form. No form was received and instead the second portion of the credit in the amount of XXXX was reversed as well.

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 2023-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XX/XX/2023 COMPANY NAME- IMEDICAL DATA SYSTEMS ACCT- # XXXX I check my credit and discovered that was something on my credit report that wasn't done or approved by me and a I did research this medical bill was on there in the hospital that it came from was closed down and does not exist anymore nor I had a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to check on my report and seen that on all three of my credit bureaus it was showing incorrectly, I do not appreciate this incorrect information on my credit report and will like it shown as deleted.

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I went to check on my report and seen that on all three of my credit bureaus it was showing incorrectly, I do not appreciate this incorrect information on my credit report and will like it shown as deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I got an email from Venmo today XX/XX/2023, titled, Apply for our card with no impact to your credit score if declined. Now I work for one of the largest banks in the world as a regulatory risk consultant so I was intrigued because if you are declined for a credit card there is really no possible way to prevent that from potentially impacting a credit score. Its impossible. So I open the email to see, maybe its not really a credit card? It is, and in very very very fine print at the bottom it says, Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. You must have a Venmo account in good standing, that has been open for at least 30 days prior to application. An approved Venmo Credit Card application will result in a hard credit inquiry, which may impact your credit bureau score. Okay so the title says no impact if declined, only to in very small letters say the opposite. Its very misleading. This is a clear violation of the Unfair, Deceptive, or Abusive Practices Act, and a violation of truth in marketing. The damage occurred as soon as you apply and have a hard inquiry, but if you are declined you have nothing to show for it and it could make it harder to apply somewhere else and can affect the pricing from underwriters. Please do something about this awful campaign immediately, so many people will be deceived, and its such a blatant trick.

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 2023-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc.
State: IL

Complaint narrative:
I submitted insurance information to this company, I received XXXX and XXXX insurance I provided to this company.. This company agreed to remove this item from my report and still hasn't done so after payment was submitted. Insurance information was provided during time of visit, but this company administration neglected to enter the information accurately.. I submitted information again directly and still haven't received the fair credit report results... This company is refusing to investigate and solve this issue professionally and accurately.. The balance has been paid and all documents have been sent to complete the final bill.. The report is false and has caused unfair damage to my credit file..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am writing to file a formal complaint against American Express Services for their unjustifiable restriction on referring a friend to their services. I believe this practice not only limits customer choice but also violates the principles of fair competition and consumer rights. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action to address this concern. 

I have been a loyal American Express cardholder for several years and have always been satisfied with the company 's services. Recently, I attempted to refer a friend to American Express Services, as part of their referral program, which rewards both the referrer and the referee for joining the American Express family. To my disappointment, I was informed that I was not eligible to participate in the referral program. 

This restriction is not only frustrating but also raises concerns about the fairness and transparency of American Express 's practices. As a customer, I should have the right to refer my friends to a service I have had a positive experience with, and both parties should have the opportunity to benefit from the referral program. Restricting customers from participating in the referral program without any valid reason or explanation feels unjust and against the principles of consumer choice. 

I firmly believe that such restrictive practices limit competition and hinder the ability of consumers to freely choose the financial services that best suit their needs. The referral program should be an open and inclusive opportunity for customers to share their positive experiences with others and receive rewards for their loyalty. By denying customers the ability to refer friends, American Express is effectively preventing potential customers from benefiting from their services and impeding fair competition. 

Therefore, I kindly request the CFPB to investigate this matter and take appropriate action to ensure that American Express Services reassesses their policy regarding the referral program. I urge the CFPB to emphasize the importance of consumer choice, fair competition, and transparency in financial service practices. Consumers should have the freedom to refer friends to the services they trust and receive rewards for their loyalty without arbitrary restrictions. 

I have attached relevant documentation, including correspondence with American Express customer service, to support my complaint. I hope that you will thoroughly investigate this matter and take appropriate action to protect consumer rights and promote fair competition within the financial services sector. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went to check on my report and seen that on all three of my credit bureaus it was showing incorrectly, I do not appreciate this incorrect information on my credit report and will like it shown as deleted.

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