vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 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: RI

Complaint narrative:
Chase bank will not refund our hotel stay in XXXX which we had no choice but to cancel due to Covid, we had no flight, it cancelled and we had an XXXX XXXX dept alert due to Covid We booked a 6 day stay in XXXX/hotel resort in XXXX for XX/XX/2020. As dates got closer we were in touch with XXXX to see if the flight was going to cancel due to Covid 19. They would not give any information. Finally a month before they canceled our flight, and all flights from the US to Iceland as they are part of the EU. They refunded our money 100 % through our booking agent. See Doc. I wrote to the Hotel but they wanted to hear none of it, saying our stay was non refundable??. In her/their letters to me they lied and mislead about what was going on, see Docs. They insisted they were open but flights from US cancelled ... ..banned as-it-were. She misled on Covid testing on the island, saying we could get ahead in US before leaving ... but that was wrong ... .she said tests in XXXX most likely free, but not sure but online it said $ XXXX, if you fail you have to quarantine for 2 weeks. Turns out you had to get a test there. But our flights were cancelled due to the pandemic. They wanted us to leave our money there and come back within a year, we declined. XXXX had just refunded our hotel in XXXX for XXXX XXXX for identical circumstances. They told us vendors are doing this to millions of people and its against the law. 

I had many phone calls with Chase and mailed them several documents of XXXX XXXX and hotel dialogue. They had many different people it seems working on this and seemingly lost the info. Then they gave me a final form to fill out and answer yes, no, why etc ... .all had nothing to do with our case??? Its clear they don't support consumers and favor with business ... .I got this impression every time I spoke with them. It seems all credit card companies are recognizing the Covid pandemic except them. 

The excuse Chase gave us is we didn't adhere to the cancellation policy??? I was in touch with the Hotel group many times. We travel a lot, 7 times last year. We also have {$5000.00} in flights to XXXX this XXXX and {$5000.00} in cruises. There is an international travel ban now into XXXX and could last pas XXXX. Is Chase going to continue in this vein and not support American consumers?? We don't need credit card companies like this in XXXX We will never book another vacation with them. Please resolve this. The disputed amount id {$670.00} see 10 page PDF that Chase mailed us against our favor XXXX XXXX Cardholder XXXX XXXX, Husband. I have handled all issues here XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: TN

Complaint narrative:
My husband and I have been working on our credit to get a home loan. We first contacted XXXX XXXX with CMG Financial in XXXX to see what we needed to continue to raise our credit score. XXXX had been very helpful at first and answered questions as the months passed. We had no contact with XXXX between XX/XX/2020 to XX/XX/2020 to ask him to run our credit and get the process started fully, until I saw an unauthorized credit pull from CMG I instantly texted him and asked why he pulled our credit without our authorization. I have full texts that he " jumped the XXXX '' as he said and did apologize for pulling them and " felt we were doing business and had not been told otherwise ''. That is not an excuse for pulling our credit without authorization. We now have lost points on our credit due to is negligence to our personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a letter from Atlantic Credit and Finance , Inc in XX/XX/XXXX about an old XXXX account. I called the number on the letter to inquire about the details and discuss the matter. The first person I spoke to was unable to find any information and told me he could not find any record of this account. He gave me a different number to call. That person was also unable to find any records or information related to the account. He gave me a different number to someone else who could not find any information, even when I provided information such as my name and social security number. No one would talk to me. I did not know what to do. I then received a different letter on XX/XX/XXXX from Midland Credit Management about the old XXXX account. This letter was dated XX/XX/XXXX, although I received it almost a month later, which is quite suspicious and deceptive, because the letter demanded payment by XX/XX/XXXX. The fact that they backdated the letter eliminated the time I am allotted to make a written request for validation and further information about the debt. The actual XXXX account, as given on the letter, has a Charge-Off Date of XX/XX/XXXX, exactly 7 years ago. I am aware that this is past the 4 year Statute of Limitations in my state. On XX/XX/XXXX, I received a bizarre text at XXXX XXXX   from a stranger, with a random name, from XXXX XXXX trying to ask me about work I did many years ago and asking about credit card payments. When I researched the number online, I found that it was reported as Midland Credit Management. This is manipulative and predatory behavior. They would not talk and communicate with me when I genuinely tried, they have misdated a letter, and now they are pretending to be someone else and texting. I do not trust talking to them on the phone, but I do not know what to do. I have no savings or assets. I only have enough for my rent. If they continue this behavior, the only solution I can think of is bankruptcy. There should be more legal protection from these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: AR

Complaint narrative:
THIS IS MY 2ND ATTEMPT TO RESOLVE THIS MATTER WITH EXPERIAN WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE EXPERIAN DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite Experian has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX # XXXX Ref # XXXX shows a balance of {$1200.00} which was sold to a collection agency by the name of XXXX XXXX according to a notice I received on XX/XX/2020. Account XXXX/XXXX  # XXXX shows a balance of {$410.00} and was sold to a collection agency by the name of XXXX XXXX XXXX according to a notice I received dated XXXX Ref # XXXX. The Account XXXX/XXXX  # XXXX has a balance showing {$6200.00} and was sold to a collection company by the name of XXXX XXXX Ref # XXXX according to a notice sent to me dated XXXX. These collections are not currently appearing on my credit due to fraud but for some reason Experian continues to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act.

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 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My loan was originally through XXXX and I recently went through a REFI via XXXX XXXX XXXX. PHH became the new servicer effective XX/XX/2020 which I was only notified 7 business days prior to effective date and 1st payment due date of XX/XX/2020. 

On XX/XX/2020 I attempted to make my 1st payment to PHH mortgage both via online and then over the phone and neither option was available to me as my account was not fully setup. I was then instructed by the representative to call back at a later date to process and I had until the XXXX of XXXX as part of the grace period to do so. 

I then spent over 2hrs on a call trying to obtain resolution with no luck. 

Thanks, 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 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Company has reported debt to credit agency that is false. They have repeated call multiple time a day and refuse to speak with me about the account without giving them personal information over the phone such as my social security number or birth date. They have made no attempt or allowed me to Identify myself through address or phone number. They have provided zero written proof that the debt exists. The last phone call today they refused to give me their business address so I could send them a written correspondence. They have also refused to answer what state they are licensed to do business in. When I try to go to the website of the company and put my personal information in it says that no records are found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 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: California Accounts Service
State: CA

Complaint narrative:
California Account Services is reporting a debt on my credit that i do not owe.I recently checked my credit report and noticed this debt. I paid this account directly to the hospital and there was no balance remaining. This should have never gone to collection because it was never a collection. This is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: VA

Complaint narrative:
XXXX is reporting a balance and charge off status for an account that was included in bankruptcy on XX/XX/2019 and discharged on XX/XX/2019. I filed a dispute with CPFB to XXXX & Equifax. XXXX resolved their dispute & assured me it was fixed, but when I checked my credit it was only fixed on the other 2 bureaus and remained on equifax. I called XXXX & notified them of the issue on equifax & they stated they would fix it. After still no resolution with XXXX & Equifax still not resolving the original CPFB dispute with them, I filed another dispute directly with equifax on their website. Equifax closed the dispute today stating my file was updated, but when I check my file it is still showing a balance for this account & charge offs after the bankruptcy discharge. I then called equifax and after going through 10 minutes of security verification questions with a representative that I had a hard time understanding, she told told me the verification process was complete and she would look at my account and then disconnected the call! I am so beyond frustrated with this & if it is not promptly fixed I will have no choice but to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NV

Complaint narrative:
Lessington law is advertising up a situation where you don't have to pay your bills for as long as the colvig 19 is in affect I have tried to go through that process and I'm not getting any response at all I have called every day for 3 weeks to get this product and nothing has happened so I'm disputing that issue right now to upper management and alter the paralegals and the car to repair attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc.
State: GA

Complaint narrative:
Cashapp has received 30 deposits from the government UI office of Ga and will not add the funds to my account On XX/XX/2020 26 deposits were sent On XX/XX/2020 4 deposits were sent Totaling {$9800.00} I have emailed cashapp over 40 times and they keep saying they are working on my issue It has been going on a month and still I dont have my money Please help us We are being evicted from our home and our auto insurance has been canceled because of this Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: LA

Complaint narrative:
Experian Credit Company is operating unlawfully by promoting products to increase your credit score that will earn Experian extra money. This is a conflict of interest and clearly demonstrates that they are operating unfairly and punishing those who opt out of their fee for service options. In addition, they are offering a boost to your score only if you provide confidential banking information to them. It is not possible to obtain this boost unless you provide bank routing and account numbers to Experian, which places this secure information at risk. My credit score continues to be low because of these acts by Experian even though I have a 32 year history of never paying a bill late, have an income to debt ratio below 35 % and have no negative reports from anyone concerning my credit worthiness. Experian 's actions to suppress my credit score because I refuse to sign up for their fee for service programs have cost me thousands of dollars in extra interest.

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 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: ME

Complaint narrative:
I received notice on XX/XX/XXXX of an outstanding balance owed on behalf of XXXX XXXX. AMSHER was the collection agency notifying me. I responded within twenty days ( 3 days ) that I did not owe the amount and that I have never had an account with their client. I still maintain this belief. I received notice of a completed investigation via derogatory information sent to the three credit bureaus. I have not heard from AMSHER about the investigation. My credit score went from XXXX to XXXX due to this. I disputed the report with the three agencies and again, they conducted an investigation and said that the report was accurate. However, the three agencies removed a previous report from a collection agent of XXXX XXXX for the same amount, in XXXX of this year. I do not owe this amount or any amount to XXXX XXXX. I have never had an account with them. The derogatory information has taken my credit rating from " good '' to poor, losing some 107 points for a bill that I do not owe nor create and has caused me to be out of credit range for significant purchases that I had planned on making this summer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Hello : Honorable CFPB : Good day and god bless-since two months ago I did file BK-XXXX and never missed the payment to triad- I will not included them to my BK-XXXX due to my financial distress-I lost my job due to XXXX  and XXXX  at worked, I have physical injuries and emotional injuries at worked that is on going, Im XXXX due to my passed XXXX XXXX with three multiple XXXX XXXX to my XXXX, I paid this company in advanced because my XXXX and my XXXX XXXX is getting worse, we send them the forms to re-affirmed my manufactured homes but was ignored, I talked to XXXX XXXX there bancrufsy department and told me, they will email it to them, I even send them the blank forms, I send email to XXXX XXXX , XXXX XXXX and the info triads info on line, they retaliated to me because I reported them about the over-payment I gave them, there escrow account send me some refund and I know in my hearth its not enough, I survived with my multiple XXXX to my XXXX, but what this company is doing to my health that causes me again to go to XXXX XXXX, they lied and the XXXX XXXX who approved my loans there sister companies did even send them the forms but it was ignored, one of my creditors XXXX XXXX di respond to my affirmation forms we send to them, Im asking this authorities to help me again, as much as possible I do not want send a concern to this institution, but they are ignoring my pleadings to me. 
Hoping for your prompt reply to this matter, I know its pandemic and thanks for all the help, I keep on receiving a bills to my home insurance and the property taxed, saying this mortgaged company didnt pay my taxes and its included to my mortgaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to request an update to the following information in my file. The item I request is stated below and correspondence I received directly from my credit report. 
Additionally, I noticed that my report is reflecting late payments on two accounts from American Express. These items are inaccurate because both accounts are paid in full and in good standing with no late payments. 

AMERICAN EXPRESS : # XXXX AMERICAN EXPRESS : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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:
XXXX XXXX and XXXX showing inaccurate on credit

Company response to consumer: Closed with explanation