vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Empowerment Ventures, LLC
State: AZ

Complaint narrative:
On  XXXX   XXXX  I called and disputed a charge from  XXXX  in the amount of  XXXX . Rushcard closed the dispute stating no error made, even though i was told by  2  managers that the funds would be returned back to me.I had to submit a rebuttal letter as well as a police report to show that i didnt make that charge and that still wasnt good enough. I have been told that managers were going to call me back and no one has never done so. I had to submit a BBB complaint on  XXXX  just to get a response from my complaints and  XXXX  replied back to the BBB. I had submitted a letter from  XXXX  sent to the BBB stating that the funds in the amount  XXXX  were sent back to me and i still do not have them.This has been the worst experience i have ever dealt with and i will be sending a letter to the attorney general, every news station and consumer affairs since rushcard wants to fradulently keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A freeze was placed on my account on XXXX/XXXX/XXXX without me being notified, when I tried to get information on what was going on with my account on XXXX and XXXX, Chase would not provide me any information or detail. I was told that it was with the fraud department who I would need to leave messages for and wait for a return call. I called several times without any response from Chase, I then started calling a phone number that I was provided by a branch manager several times in a row until I got XXXX XXXX to answer the phone. She was not helpful and would not provide me any information on what was going on except that there was fraud on another account. My ex was linked to this account but has not deposited or used any of the funds in this account in over 3 years. All deposits have been my payroll direct deposits or transfers from other Chase account. These are 100 % my funds but Chase will not discuss the account with me or allow me access to my funds on XXXX all of the money {$550.00} was removed form the account without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX has invaded my credit report by claiming that I owe an original debtor " XXXX XXXX XXXX " for something and the debt was incurred on XX/XX/XXXX,2017. First off, these two companies are one in the same. Secondly, it was never made clear who the original debtor really is, and third ; they may be attempting to refresh a collection and or charged-off debt from several years ago. I was never officially notified of by mail of any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX has invaded my credit report by claiming that I owe an original debtor " XXXX XXXX XXXX " for something and the debt was incurred on XX/XX/XXXX,2017. First off, these two companies are one in the same. Secondly, it was never made clear who the original debtor really is, and third ; they may be attempting to refresh a collection and or charged-off debt from several years ago. I was never officially notified of by mail of any such debt.

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 2017-07-05 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: MD

Complaint narrative:
I paid off my Wells Fargo car loan more than five years ago and the bank continues to report that my last payment was more than 30 days late when it was not. <P/>I have asked all three CRAs to investigate this and they all say that Wells Fargo continues to verify that the loan was paid off more than 30 days late. I have even asked Wells Fargo to verify that it was paid late and the bank continues to claim that it was when I know it was not. <P/>This inaccurate late payment is affecting my credit score. <P/>Can you help me get it off my credit reports? <P/>Thank you.

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 2017-07-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX I received an alert that my XXXX XXXX XXXX XXXX was 30 days late. I 've verified with XXXX that the account is not 30 days late. XXXX also advised that they did not report this information to the credit bureaus. I believe this was intentional act by the bureaus as my son is involved in litigation with the bureaus. The has caused me financial hardship as I needed to open an account but with a 30 day late mark on my credit file I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I check credit karma before I went looking for car. It said I had a XXXX faco score. But when I got to the dealership is said I had a XXXX from XXXX who is wrong. I would like to sue the reporting score that is wrong. This is more than a simple misjudgment this is almost 44 points. I rely on this to make a decision and it was not proper information. When I contacted XXXX they want to sell me a credit report that if I do not counsel will continue. Why ca n't I get the information I request without being ripped off. Do n't CFPB agency is supposed to stop this from happening. Why do n't someone do their job and stop this. Please give me the information, that I can go to and follow compliant with this agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: Coinbase, Inc.

Complaint narrative:
I am  a U.S. citizen w ith a primary residence in  XXXX . I established an account with Coinbase with  XXXX  ID. I soon discovered that I was unable to withdraw funds that I had deposited due to Coinbase not having a " processor '' in  XXXX  to facilitate withdrawal. The only activity I was able to conduct was depositing funds via credit card. I have tried to re-register my account to a valid  US address with a valid US Drivers License countless times using all facilities and options available to me thru the Coinbase website and mobile app. EVERY attempt has failed. I have attempted this well over 2 dozens times. I have inquire with Coinbase Customer Support also countless times. The only current option to contact them is via a website contact form, although when I first started this effort, I was able to use email. Regardless of method, Coinbase response was almost always a preformed response which was never helpful and never addressing my request for help. Currently I have money in a Coinbase account and have no way of withdrawing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Recent balance {$3400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$3400.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Collection account. {$3400.00} past due as of XXXX XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in 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 2017-07-05 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: CA

Complaint narrative:
For the past 6 months i have tried to have a fraudulent account removed from my Equifax credit report. I have even provided them with my certified police report as well as the business card of the  officer  that took the report and the person in the records office that provided me the police report when i wen to pick it up ... .. that said they have failed to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
capitol one h as been harassing and delaying removing negative items on my report that have been obtained with out my authorization, this has a negative reflection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
During the month of XXXX I was alerted that someone was making charges on my account. The charges were made in a multitude from places outside of the United States. Some charges were with companies that I do business with and I was asked to look over my entire account. A couple charges were made through XXXX, one for {$9.00} and another for XXXX. My monthly charge for XXXX is XXXX and has been for a very long time. I answered the questions asked of Chase and assured them the XXXX and XXXX were not my charges. The monies were returned to my account. On XX/XX/2017, Chase withdrew XXXX from my account stating it was a claim reversal. I contacted Chase and was told that since I had an account with XXXX it appeared the charge was mine. I was taken back as I had previously been through claims, and there was absolutely no justification for reversing the claim based on my standard monthly charge. I have maintained my XXXX account and have always paid {$9.00} on the same date and the same amount. I then spent nearly an hour speaking with various Chase associates one who told me he could completely understand what happened and believed the reversal was a mistake. To date Chase has not returned the funds nor contacted me. I did not authorize, purchase, and absolutely was a victim of fraud. How the person obtained my Chase information is beyond me. {$9.00} is not going to break me, but it is my money, and Chase had absolutely no reason to take the money from my account. Chase 's logic and actions makes me worry and for the first time since I have been with the compay, afraid of the effects fraudulent activity will affect me. I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I received an alert that my XXXX XXXX XXXX Card was 30 days late. I 've verified with XXXX  that the account is not 30 days late. XXXX also advised that they did not report this information to the credit bureaus. I believe this was intentional act by the bureaus as my son is involved in litigation with the bureaus. The has caused me financial hardship as I needed to open an account but with a 30 day late mark on my credit file I was denied.

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 2017-07-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I received an alert that my XXXX XXXX XXXX XXXX was 30 days late. I 've verified with XXXX  that the account is not 30 days late. XXXX also advised that they did not report this information to the credit bureaus. I believe this was intentional act by the bureaus as my son is involved in litigation with the bureaus. The has caused me financial hardship as I needed to open an account but with a 30 day late mark on my credit file I was denied.

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 2017-07-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ERC
State: KY

Complaint narrative:
Reviewed my credit reort on XX/XX/XXXX. Found XXXX XXXX XXXX had listed me delinquent for 2 months, never heard from them prior. On XX/XX/XXXX at XXXX called and spoke to XXXX XXXX to ask questions about information. They wanted my current address, I told them no they had my info from credit reporting agency. Was told I had to talk to dispute resolution and got transferred. At XXXX to XXXX XXXX who immediately when told what I was inquiring about advised me I had wrong department, gave me reference number XXXX. Transferred me to XXXX XXXX ( XXXX ) who transferred me to XXXX XXXX ( XXXX ). I asked for details and was told they could not give to me and I would have to write to -ERC XXXX XXXX XXXX XXXX Fl XXXX to get information. I said I would, then XXXX said I had to give her most recent mailing address or they would not respond. I had a XXXX XXXX account several years ago, returned equipment ( shows XX/XX/XXXX returned, but I know it was before then ) and after fighting about return, they listed me as delinquent on credit history. That finally went off my credit report. Now XXXX XXXX appears showing 2 months delinquent and today is first time I spoke to them or had heard from them. They should have to supply a detailed bill of what {$570.00} entails and since no prior business contact with me, I want them removed from my credit report immediately. Is it legal for XXXX XXXX to give my personal info ; including social security number to someone I have no business contact with?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I moved from an apartment complex at which I had lived for about 15 years. I gave the complex more than 30 days notice. They contend that I needed to give them 60 days notice but could not produce an updated signed lease that stated that a 60 day notice was required. The complex says I owe more than 30 days rent, even though I have the required 30 days notice and the apartment was rented soon after I departed. The complex then sent the file to a collections agency called FCO ( www.fco.com ). I have asked FCO to send me validation/verification of the debt. A couple of times they sent me something illegible ; another time they sent me a lease that I had not signed. <P/>The have reported the collection account to my credit report and it is affecting my credit and lowering my score.

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 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was denied credit in XXXX of 2017, I 've contacted Equifax on six occasions to request my free report. They advise me that there is a special department that I have to speak with and that they will contact me. Three months later I have not heard from anyone nor have I received my free credit report from being denied credit. I assume this behavior is due to litigation that I am involved in with Equifax. However it is unlawful not to provide me the requested credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have contacted the agencies regarding the tax liens on my credit report. I advised of the law that was passed on XX/XX/XXXX and asked what verifying information do they have and notging has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I check XXXX XXXX before I went looking for car. It said I had a XXXX faco score. But when I got to the dealership is said I had a XXXX from equifax who is wrong. I would like to sue the reporting score that is wrong. This is more than a simple misjudgment this is almost 44 points. I rely on this to make a decision and it was not proper information. When I contacted equifax they want to sell me a credit report that if I do not counsel will continue. Why ca n't I get the information I request without being ripped off. Do n't CFPB agency is supposed to stop this from happening. Why do n't someone do their job and stop this. Please give me the information, that I can go to and follow compliant with this agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
{$860.00} has been paid to Carrington Mortgage LLC since they took over my mortgage from XXXX XXXX XXXX. They have taken more money than what is required for the monthly payments yet it does not reflect the payment amount made on Carrington 's website. The principal has increased on the house for no reason and when I asked XXXX XXXX for an inquiry, Carrington mortgage refused to comply with credit karma and the account of Carrington Mortgage was removed and they no longer report on my credit report. But what is the most concerning issue is the raising of the principal on house, it is not an accounting error, is it a deliberate act of hiding the payment, the amount and the transaction. <P/>I have records of every payment thru XXXX XXXX, please contact me or XXXX and I will release that information as necessary. <P/>Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation