vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 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: WA

Complaint narrative:
Hello, I would like to complain about Chase. I pay for a XXXX XXXX XXXX credit card, and this card comes with benefits such as a free XXXX XXXX subscription that allows its holder to visit airport lounges for free with 1 guest. 

On XX/XX/2020, my wife, our XXXX children and me visited such an airport lounge, as we do often. When visiting, I presented my XXXX XXXX card, as did my wife. In addition, our XXXX children should not have been counted, as they were respectively XXXX and XXXX XXXX XXXX. So we effectively counted as XXXX adults entering the lounge, while we showed passes allowing up to XXXX people to enter for free. This happened twice at the same lounge, on the outbound and return legs of our trip ( at the same lounge ). 

Somehow, the opposite happened : both times, the lounge staff let us in without telling us anything, but I was charged {$54.00} for " excess '' guests on my Chase credit card. The charges on the Chase credit card don't mention any reason for the charge nor the merchant, and Chase doesn't allow these charges to be disputed as they are regarded as " benefits '' ( at least that is what I was told ). 

I called Chase and complained about the charges, and when it became clear that these two charges were for lounge access and I understood what trip it related to, I explained the situation. I provided evidence to Chase regarding the number of people travelling that day, the fact that my wife allowed to enter for free with 1 guest, and the fact that our children should not have been counted to begin with as they didn't meet the age threshold to count as a guest. 

In XX/XX/2020, Chase refunded the charges for 1 of the visits only. I called Chase back several times to have the other visit also refunded, but Chase has refused to do anything about it. I have repeated asked Chase for any proof that we agreed to the charge, such as a signed receipt or pin I entered ( as I know we were never told about any charge at the lounge, as we would have immediately objected ) and Chase has never been able to provide one. Chase has effectively refused to fairly evaluate the charge, which I can only presume is because Chase is both acting as judge and party ( the charge is effectively for a " benefit '' they offer ). 

Chase has told us we would have to take up our complain with the lounge, but refused to give us any contact information for the merchant and information that would enable the merchant to identify the charge- we called the lounge ( we think ) the charge relates to, but they obviously have a hard time adjusting the charge if the only information we can give them is " we had a charge show up on our credit card, but no reference for you to look us up amongst your thousands of visits '' ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Borenstein & Associates, LLC
State: CO

Complaint narrative:
I paid off a debt prior to purchasing my new home. That debt was satisfied by the Title company on XX/XX/XXXX. On XX/XX/XXXX I was served judgement papers at my new home which is also my place of employment. I never received any correspondence from this company in the past year since the debt was paid. However it is clear they knew where to find me. They had the new address from the payoff file on the new home. 

When I tried to follow up on this with a phone call I was told that I still owed the debt. I even gave them the payoff information. It was not until after the title company got involved and presented them with proof via the wire transfer receipt dated XX/XX/XXXX that they finally agreed. 

After they received this information I was told that the paperwork submitted to XXXX XXXX County had been filed to satisfy that order. I asked for a copy of this four times before finally receiving that today after having to threaten to file a consumer complaint against them in my forth request. 

This judgement was satisfied over a year ago. Both myself and the title company had issues with them and it took weeks to verbally get a payoff amount. Even then they would not provide anything in writing. This company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a new checking account with the promise of a {$400.00} bonus if I deposited {$15000.00} into my account within 20 days, then maintained that balance for 60 days. The terms state that if I complete these actions, I will receive the {$400.00} bonus. 

I opened the account and funded it with {$15000.00} on XX/XX/2021. 
I maintained a balance of at least {$15000.00} until XX/XX/2021, which is 67 days from XX/XX/2021, fulfilling the requirements. 

Citibank terms and conditions state the bonus will be paid within 90 days of completion of terms. I completed the terms by maintaining a balance of {$15000.00} or more for 60 days as of XX/XX/2021. 90 days past that date is XX/XX/2021, and I have yet to receive the {$400.00} bonus as promised.

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 2021-12-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: MI

Complaint narrative:
I have setup Autopay with VW Credit since the beginning of my loan in XX/XX/2021. Starting XX/XX/2021, I began having issues with them taking the money out of my account and was never notified. I continued to make my payments on time. In XXXX I made a payment for the XXXX payment multiple times as well as a {$1300.00} payment in XXXX to cover the XXXX payment that VW Credit kept giving me issues with. For some reason they are reporting a late on my credit for XXXX now. I have no idea why or how this is possible. I have had such a hard time with VW Credit that I turned my lease in early due to how unprofessional they have been. They do not take all measures to contact clients if they have issues collecting payments. They do not call, e-mail and send letters which they legally must do when trying to collect payments. When I called and asked they how come they do not call clients, their responses is that they only send letters or e-mails through the portal which always come in late. They sent me a notice for XXXX 's payment on XX/XX/XXXX which was not within legal reasonable time for me to make a payment since XX/XX/XXXX was a short week due to XXXX. I also did not receive the letter from XXXX until XX/XX/XXXX. Also, the payment was due XX/XX/XXXX ( for XXXX to be considered " late '' ) which is a National and BANK Holiday which means it would not have been processed on the XXXX of XXXX. I ended up getting this disputed off the report after many complaints and e-mails to VW. Now, I am getting a XXXX late payment which is not true. I made a {$1300.00} payment on XX/XX/XXXX and it was pulled from my bank on XX/XX/XXXX. This means that I made my XXXX payment. I turned in my lease on XX/XX/XXXX and today is XX/XX/XXXX, which means I can not have a late payment in XXXX since it was made and we are not 30 days past XX/XX/XXXX. This bank has been XXXX to work with and the reason I terminated my lease with them after 6 terrible months. Now my credit reports are showing a late for XXXX and they are not repsonding to my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2021-12-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2021-12-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I wrote to Experian Credit Reporting agency to update and correct my Personal information on my Credit report XX/XX/2021. I sent them via certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX ), they still are reporting inaccurate personal information on my report. Address ID # XXXX and ID # XXXX are inaccurate and need to be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: AL

Complaint narrative:
XXXX XXXX a collection being reported is not mine. The account belongs to someone else as I have never had a XXXX XXXX card.

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 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
THESE XXXX COLLECTIONS DID NOT PROVIDE THE BALANCE THEY SAY I OWE WITH PROOF OF PAYMENTS UP TO THAT BALANCE DATE, DID NOT EXPLAIN AND SHOW ME HOW THEY CALCULATE DWHAT THEY SAY I OWE. THEY HAVENT PROVED THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THAT ACCOUNT AND PROVIDED ME WITH THEIR LISENCE NUMBE RAND REGISTERED AGENT SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any XXXX affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft : XXXX XXXX XXXX. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; ALL INQUIRIES ; LATE PAYMENTS ON XXXX XXXX LATE PAYMENTS ON 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 explanation
Consumer complaint received 2021-12-14 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: World Acceptance Corporation
State: TN

Complaint narrative:
There are reports contained in my credit file that are well over XXXX years old like World Finance and XXXX XXXX and I need them removed. 
I need to know what I need to do to get this done, so I can begin to work on a fresh start. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal has permanently closed my account XXXX Theres no reason for that Then emailed me that my money will be in hold for XXXX days For no reason I tried to reach customer service Automatic reply is the only thing I get I tried to telephone them But they show no care Without explaning why

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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 havent sent equifax like XXXX times the identity. Theft like they ask me I have like XXXX inquiry I didnt do they ask me For an identity theft report an they received but they say there is a system a error To give sending them I have send it more than XXXX Times an they keep reporting those inquiry fraudulent on my account that is affecting my credit score I dont know what to do no more I have done everything with them an what they ask an still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I have been trying to get a house loan for about 4 years, but this collection account keeps showing, I have done all the steps necessary to pay back this debt, to the original creditor as well as the collection office, at this moment I'm requesting this collection to be deleted because of the fallowing reasons. 

I have made multiple attempts to pay it I have received no return phone call from them and the phone # s listed by Citibank and the XXXX for them hang up before anyone answers.

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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Opinion based on facts ... ..my score according to XXXX as of XXXX XXXX XXXX and my wife XXXX. However when shopping for finances our scores with lenders are considerably less disqualifying us for any number of assorted financial options from refinance, to new mortgage, to home equity and or personal loans. Lenders use third party providers who DO NOT HAVE CURRENT ACCURATE INFORMATION. ( FACT ) USE THEIR OWN INTERNAL ALGERITHIMS TO CALCULATE CREDIT WORTHINESS AND PLACE CONSUMERS INTO FINACIAL DURESS. In my opinion a facade, conspiracy, corruption of emmense proportions. As stated their practice disqualifies people who HAVE a higher LIGIT score and are within guidelines for loans for such as XXXX typed and or forces them to accept a higher interest rate and worse terms and can cause even harsher financial duress. This shame or blight should be stopped immediatel but in all the years it has persisted this CFPB has done nothing ... F A C T. Note my fellow Americans the great evil placed upon us all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
THESE XXXX COLLECTIONS DID NOT PROVIDE THE BALANCE THEY SAY I OWE WITH PROOF OF PAYMENTS UP TO THAT BALANCE DATE, DID NOT EXPLAIN AND SHOW ME HOW THEY CALCULATE DWHAT THEY SAY I OWE. THEY HAVENT PROVED THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THAT ACCOUNT AND PROVIDED ME WITH THEIR LISENCE XXXX XXXX REGISTERED AGENT SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: FL

Complaint narrative:
Dating back to XXXX XXXX2021 after receiving a copy of my consumer credit report at my request after being denied credit by a creditor, I was in complete shock as to how much inaccurate information and the number of discrepancies being reporting between all XXXX of the major Credit Bureaus XXXX XXXX, Equifax, XXXX ) within my consumer report. Since then I have mailed in a total of XXXX dispute letters to all three bureaus ( XXXX, Equifax, XXXX ) to resolve this matter as it is damaging my character in regards to my financial situation and ability to repay creditors. I have mailed letters both certified and standard postal on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the last being XX/XX/XXXX in regards to solving this matter, however the problem still persist and is ruining my financial reputation. As some unverifiable and inaccurate information have been removed/corrected there are still a number of accounts that have not been verified, updated or deleted by request that is still reporting false and damaging information. The remaining accounts that continues to report false information is ; XXXX XXXX, XXXX XXXX, The Bureaus, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX and XXXX XXXX XXXX The following accounts within each bureau contains discrepancies in regards to the past due balance, rightful owner of the account, payment dates and history, date last active as well as the last payment date. According to the FCRA XXXX XXXX it is the responsibility of the Credit Bureaus to report fair and accurate information within each consumer profile in which they have not done in this particular case. I do understand my rights as a consumer which is why I felt the need to file a complaint with the CFPB as I am not getting anywhere with the reporting agencies and the inaccurate reporting is defamation of character.

Company response to consumer: Closed with explanation