vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My mother passed away on XX/XX/21. She had a 401k ( $ 150k ) and brokerage account ( $ 50k ) at Merrill Lynch. The 401k listed four children as beneficiaries. We provided the death certificate snd all other requested documentation and have been waiting months for the distribution. We were forced to open ML accounts that we did not want in order to do this. We have also not received the proceeds from the brokerage acct. I have called daily for WEEKS and keep getting soon or tomorrow or next week. Still nothing months later.

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 2022-01-12 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
We hired XXXX XXXX to initiate a new United States Visa application to Travel To The United States and correct the issues involved with the previous Visa. We had an agreement with the merchant that all issues will be resolved and they would assist with the application process until my friend was able to re-enter the United States under the terms of agreement and the given cost agreed. XXXX XXXX has continued to charge my card additional fees and has stopped responding to my emails. I have been charged over {$4000.00} on my credit card for these services and they are asking for additional fees after the associates at XXXX XXXX made mistakes and did not submit the proper forms in the initial application. 

I called Barclays Bank in regards to a dispute and they told me I only have 60 days to dispute. In this specific matter it takes longer than 60 days to know iff the merchant will perform the agreed duties being paid for.

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 2022-01-12 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$9000.00}, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JP RECOVERY SERVICES, INC.
State: VA

Complaint narrative:
JP Recovery Services , Inc. has not verified this debt to me. According to the original creditor ( XXXX XXXX XXXX XXXX ), it is already paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: ID

Complaint narrative:
I was contacted by XXXX ( national credit adjusters ) saying they have been contacted to collect a debt that I owe from Cash Central in Idaho XXXX Idaho on XX/XX/2013 account # XXXX amount of {$400.00}. XXXX is trying to get {$500.00} due to interest their account # XXXX. I did not create this account or debt. The person from XXXX told me to contact this website to get a affidavit of fraud and send that to them, I could not find that on this site, so I am taking this route.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase and XXXX I have reached out to coinable because they locked my account with {$5000.00} in there. I also have deposited over {$200000.00} into the account and transferred the funds from Coinbase to a FRAUDULENT XXXX XXXX. The {$200000.00} was transferred over time and Coinbase will not assist in tracking these assets. I have also used XXXX to Deposit over {$200000.00} and transfer to a FRAUDULENT XXXX XXXX. XXXX has not contacted me from the email I sent them in regards to this ... CoinBase told me to verify my ID again, remove my {$5000.00} and never use CoinBase again, this was sent to me by email from their customer service. 

I still have not found someone to track the funds. CoinBase and XXXX are experts in this field and have the ability to assist in tracking these funds but refuse to help after several emails and complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Equifax reincerted a account that was removed due to a dispute XX/XX/2021. 

Today I recieved a letter from equifax that they reincerted the same account they had verified and removed XX/XX/2021. 

They stated they reincerted the account t XX/XX/2021. 

Today is XX/XX/XXXX XXXX, I never recieved any information stating g what they were doing to my credit file. 

I would like for equifax to once again remove the creditor that was removed XX/XX/2021 completely from my file once again. They should never reinsert this file ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: AR

Complaint narrative:
I had to part ways with the University XXXX XXXX back in XXXX  XXXX and was being charged for XXXX XXXX accomodations. They removed the charge upon looking into my account but failed to also remove the {$150.00} associated late fee with that charge. I have since received voicemails from the schools Treasury department stating that I do not owe this money. I've repeatedly tried to contact First Collection Services ( FCS ) and they never answered and only got back to me after I left an intentionally vague voicemail, during which call I informed them they needed to confirm the validity of the debt, since I do not owe it, and they assured me they would call the University and look into it. They have since continued to send me increasingly threatening letters attempting to coerce me into paying a debt I don't owe, backed by seemingly active efforts to not answer their phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello I deposit a check from a XXXX job I did, and my check successfully cleared on XXXX XXXXas I proceed to access my funds and make payments everything declined.so I went inside CHASE BANK myself to see what is goin on and they told me my account is restricted and she gave me a number to call.So I give chase customer service a call to find out whats going on, FIRST they told me my account has been restricted and I need to go into bank with forms of ID which I have already done before calling.I call the number numerous occasions trying to resolve and prove my identity, but as I spoke with them I was told a SECOND reason my account is on hold so that chase can verify my check deposit.REMINDER my check is legitimate and was cleared and AVAILABLE on XX/XX/XXXX as I explained to them.the customer service lady was very rude and rushed me off the phone as if Im a criminal its very unprofessional of them.so the next day I kept calling to speak with someone again and make a complaint about there customer service on XX/XX/XXXX I was notified my account is closed with Debit DDA CHECK CHARGE on my statement and my balance that was left after closing was pending.so I called again on the XXXX of XXXX to see when will I receive my funds after my account was already closed and the lady couldnt give me a time frame ( although she work with chase was strange to me ) so she suggested that she would transfer me to another department to see how long it will take for them to send my funds.I was on hold for LITERALLY for 2hours waiting and nobody connected my call and the phone hung up on there end. I honestly wanted to cry because I felt like they didnt want to help me they want hold my money from me which is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I certified mailed out a verification letter, affidavit of truth signed by the notary and myself. An invoice for all the fraud violation Wells Fargo sent me on XX/XX/XXXX. In the letter I asked them to not collect my car, return title lien free, delete all my info regarding the car off my credit report immediately and pay the invoice. They said that they didnt receive it til XX/XX/XXXX. I gave them 30 days to respond they sent me a response on XX/XX/XXXX with a letter that was back dated XX/XX/XXXX and a letter dated XX/XX/XXXX in the same envelope not sent certified mail so they cant prove when I received it. I waited til XX/XX/XXXX for them to send me what I asked plus a check of the invoice i asked for. Today i wake up and see my car is gone.

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 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Hello, They called me about the debt and I told them I paid it. They said I did not, I asked for a copy of the debt both verbally and followed up in writing. They did not get back to me for a while. Finally they sent me a collection letter. I requested in writing that I be sent a copy of the bill and proof o non-payment. They sent me the bill, but not the proof of non-payment. I made another request for a copy of the non-payment ( i had paid the debt, and they said it was applied to another month ). They never answered the last letter and reported me to the credit agencies. I have proof I paid the bill, which I attached. I closed the XXXX account the same day I opened the XXXX  account. As you can see I paid my first bill with XXXX and my last bill with 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 2022-01-12 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/2021, I XXXX : XXXX sent Wells Fargo via Certified Mail # XXXX the following attached documents which include a Affidavit of Truth, a Cease and Desist Letter, and a Bill of Particulars. Specifically the documents were address to the CEO of the company. Wells Fargo is still currently reporting to all three bureaus, even though the cease and desist notice clearly states that I require them to remove all information from XXXX, XXXX, and XXXX. This is a clear violation to my Consumer Rights and I also notified them of my rescission of signature. This is causing me a lot of mental anguish and is causing XXXX  to my reputation due it lowering my credit score. This has me frustrated to no end and would like a resolution to this as soon as possible. Please see attached documents, this is harming me to a unbearable extent.

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 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian Report # XXXX First of all, a customize night guard should not cost {$1100.00} with XXXX XXXX XXXX XXXX XXXX XXXX. Second, Im that rare debtor that dont like owning anyone anything, so I paid in full after each visit to XXXX XXXX XXXX XXXX 

I went to XXXX XXXX XXXX XX/XX/XXXX for the fitting and paid {$440.00}, I went back when the night was supposed to be in but wasnt on XX/XX/XXXX and paid {$390.00}. A week later the night guard finally came in and I asked the office manager, how much do I owe? She said she ran my insurance and that I overpaid and they owe me {$60.00}. 

I left my job at XXXX XX/XX/XXXX. The office manager called me in XXXX of XXXX and said that I owed {$300.00} ; I recounted my visits and she remembered me. I told her that I no longer worked at XXXX. She said shed run my XXXX XXXX and give me a call back, she never did and they still have sent my {$60.00}. Next thing I know XXXX XXXX XXXX has hired XXXX Accounts to collect the money. 

Attached is my bank statements proving payment in full. Ive sent the same documents to XXXX Accounts, XXXX XXXX XXXX and Experian ; neither of these companies have accepted my proof. 

FYI : I sent the same documentation to XXXX XXXX and XXXX and theyve removed the negative charge.

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 2022-01-12 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
ONE MAIN VS MYSELF, XXXX XXXX. 

XXXX XXXX GA JUDGE ORDERED CASE DISMISSED IN MY FAVOR AGAINST THE PLAINTIFF ONE MAIN FINANCIAL. 

ONE MAIN FINANCIAL IS ENGAGING IN SHADY BUSINESS PRACTICES REPORTING THE DEBT TO CREDIT BUREAUS AFTER DISMISSED JUDGEMENT & ALSO REPORTED INCORRECT & INACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Opened an " online '' checking account with Wells Fargo ( WFB ) on XX/XX/2021. Received a confirming email that " Your Account is Open ''. 

Began making deposits/withdrawals, and did so until XXXX XXXX, XXXX when I received a letter from WFB stating the account would be closed unless I drove a minimum of 40 miles to PHYSICALLY SIGN some papers in an unknown branch. 

WFB either lied or deliberately misstated its claim to be an online banking institution when it is forcing its new customers to drive to a brick & mortar location to physically complete was was advertised as an 'online ' banking service. 

Also, I supplied in writing, TWICE, the requested information via regular mail to WFB, which apparently was ignored. 

THEY LIE TO POTENTIAL CUSTOMERS IN ORDER TO USE THE MINIMUM DEPOSITS CUSTOMERS MAKE FOR A FEW WEEKS FOR FREE, in addition to costing unsuspecting individuals costs for check printing, rearranging their financial pictures, etc.

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 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan chase- I deposited a check for {$4000.00} on XX/XX/22 but when i tried to withdraw a portion of it from the ATM, it gave me an error message indicating JPM Chase is in process of correcting a debit for {$3600.00}. I returned to the bank on XX/XX/22 to speak with a representative as the error had not corrected and I could not withdraw the {$3600.00} to pay my contractor. Per customer support, this is uncommon but does occur and I should be credited back the missing funds in a matter of days. However this doesnt seem like a fair practice to withhold my funds for days when I need to withdraw to pay my bills. If the cash withdrawal had been for my rent payments this would have been a bigger deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GB Collects, LLC
State: TX

Complaint narrative:
We have a small family business in good standing for the last 20 years, contributing to the local community and local economy. Last year, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) made an audit to verify certificates of insurance purchased by subcontractors which were provided to them. XXXX XXXX would not communicate with us after we received a surprise premium charge % 100 of our annual premium, citing their " policy does not allow us to speak to clients directly ''. They would not provide any information to help resolve the issue. Instead, they sent the case to a collection agency who has been harassing us, threatening us and even stating they would make immediate attempts to seize our business, its property and owners bank accounts, then making frequent follow up phone calls and sending XXXX emails requesting financial documents. Some phone calls are made outside business hours and not from their own area code. Recently, collector has asked to provide them a copy of documents we previously provided to the insurance company for an unknown reason. XXXX XXXX with GB Collects at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX who can be reached at XXXX. Please put an end to harassing and abusing behavior.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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 — Investigation took more than 30 days
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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