vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 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: Portfolio Recovery Associates, LLC
State: GA

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. This is unacceptable and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
I WAS SICK IN THE HOSPITAL WITH XXXX  AND THEY REPORTED A LATE PAYMENT TO THE CREDIT BUREAUS ALL XXXX AND IT DROP ALL XXXX OF MY SCORES BAD I NEED THAT REMOVE I RECENTLY PAID OFF MOST OF THIS INSTALLMENT LOAN I NEED THE LATE PAYMENT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I sent {$1600.00} via XXXX to a contactor for the work to be completed. Under the email that he provided, XXXX registered account appeared to be under the business entity name. The contractor never provided any services ( and product that would accompany the service ) and refuses to take phone calls/texts. In the contact that was able to be made, the contractor promised they would return the funds, due to the out of stock items, but have since refused to do so and disappeared. 

I contacted Bank of America at the beginning of XXXX to report the issue, however no money was returned as the investigation concluded that the transaction was " authorized '' and that under the XXXX terms and conditions there is nothing that could be done. 

This action makes sense for XXXX payments, however if XXXX is available to be utilized for business entities ; for businesses to receive payments, deposits etc. there should be consumer protection against fraudsters like the one described above. Alternatively, XXXX should prohibit the use of XXXX payments for businesses/contractors etc. if there are no protections from instances where the other party does not deliver on the promised contract. At this time there is no trust in the XXXX system for business related payments.

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 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a request to Chase credit card customer service and requested a breakdown of charges/ credits and interest rate charges for the last 6 months because I can't balance my account and I believe that I am being overcharged on interest. 

Chase refused to provide a credit history. Only spending history, which I can see and I don't need. 

On XXXX, I got a message from Chase not to contact them anymore. However, I only reached out XXXX in the summer 2021 to get help. No success. and twice in XX/XX/2021 to get help. I do not believe that telling customers not to ask for assistance is the right attention to the actual question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Using the app COINBASE I purchased a certain amount of tradable goods called XXXX. The purchase, as indicated by the purchase receipt, was a total of {$1000.00} USD in exchange for XXXX XXXX. Shortly after the purchase this good was " frozen '' and over the course of several days COINBASE changed the amount of holdings of XXXX to XXXX. While I understand the value of a holding will fluctuate the actual amount of said holding can not change without some action on my part. To date I have neither sold, nor traded away any of my holdings in XXXX. The amount has simply been altered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I paid 8 medical collections with Medical Data Systems. Upon payment I was advised they would remove the accounts from all 3 credit bureaus. To date the accounts remain on XXXX. When I disputed the accounts with XXXX, Medical Data Systems advised me to not dispute the accounts and because of the dispute is the reason why it remains on the report. It is within my rights to dispute inaccurate items on my credit report and thus illegal for Medical Data Systems to continue to report inaccurate information. In addition, to them ill advising a consumer not to dispute information on the report when it is my right as a consumer.

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 2021-11-24 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:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX2021, I walk into the XXXX XXXX SunTrust XXXX. I was down the street from my attorney office. I had just received a settlement check. Since the check was a SunTrust check and I am a SunTrust customer I did not see an issue. I deposit half in my checking part in my savings and received about 2k cash back. Friday afternoon the following day I went to the SunTrust drive thru and cash my payroll check. The bank did not alert any issues or problems. Later that evening I went to use my debit card and was told it was on hold for fraud. When had I asked why? I was told when I deposited my check at the XXXX XXXX, SunTrust XXXX the teller put a fraud alert on my account and I needed to go to a branch location. I went to the XXXX location, and they could not tell me what was going on they stated that they would issue me a new card. I was still able to pay bills and I was able to conduct business as usual. Tuesday XX/XX/XXXX I try to login to my account, and it states it is inactive. I again go to the branch they now say my account is being closed because the check I deposit is now considered fraud. I contacted my attorney office they stated SunTrust never spoke to them and stated they do not have contact information for the back-office research team that is handling the issue. They do not know when the funds will return to me or when they will return the funds to my attorney bank account. They offer no resolve, and they were asked if it seemed unusual for a check to be deposit why didn't they contact the account holder they said that's not their job.

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 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a business credit credit for over 7 years with BARCLAY, on XX/XX/2021 Barclay decided to migrate the business account and combine it with my personal account! Since then I have NOT been able to access my business account! Every month I have been calling and they can not located my business account anywhere,, but they call me every month to get a payment but can access it???/ ONE REP TOLD ME IN XXXX MY XXXX XXXX DID NOT MATCH AND SHE WAS GOING TO ESCALATE, I'M STILL WAITING.

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 monetary relief
Consumer complaint received 2021-11-24 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Around XXXX XXXX we started with not being to use our emails. Then we got charges on our Chase account that were not ours. Then we lost telephone service and internet service. When I spoke with XXXX, they said we were hacked. they gave us a phone # off the person who hacked our account. They said this person changed our passwords. XXXX XXXX XXXX. I dont know this number. We just got a bill from XXXX for XXXX plus dollars. on a XXXX card. We dont have a credit card from costco XXXX We have numerous password lost. If there is more info I cant remember right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On both XX/XX/XXXX and XX/XX/XXXX my certified mail letters were received by Transunion letting them know that my report contained errors. I wrote to them saying that these accounts needed to be removed from my credit report if they were not accurate. I have been struggling to have this inaccurate and false and misleading information removed from my consumer credit report. From my understanding of the law, my personal and private information should not be furnished without my written permission which is a violation of 1681 ( e ). Also there are clear mistakes all over my report even after letting it be known to transunion which is a violation of 1681 ( e ) ( b ). I can not be approved for anything! This has been ongoing for months and ruining my quality of life! ALL INACCURATE accounts and information MUST be removed. They are NOT the same across ALL THREE reports.

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 2021-11-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank/Best Buy billed my personal checking account for an unauthorized amount of {$5400.00} on XX/XX/ 2021 and has yet to return my funds. 

On XX/XX/2021, there was fraud on my Best Buy credit card. I was immediately notified by Best Buy, I denied the charges and I was told they'd be closing out my account and issue me a new credit card. 

On XXXX XXXX, 2021, I realized that in the process of closing out my credit card, they inadvertently charged the payment information I had on file the FULL balance of the credit card ( {$5400.00} ). I also realized that the fraudulent charges I had been contacted about had been re-billed- twice! 

On XXXX XXXX, 2021 I called Citibank/Best Buy, I was informed this was probably done by fraud and that I'd need to speak with the Security department XXXX please keep in mind it was done on the same day Citibank/Best Buy closed out the account. After speaking with the security department, they immediately removed the fraudulent charges ( again that they had re-billed twice after initially removing the charges ). With regards to charging my checking account the full balance of the account, they informed me my best course-of-action was to contact my personal bank ( XXXX XXXX ) to recall the payment. XXXX XXXX recalled the payment on XXXX XXXX, 2021 ( not sure why there was a 10-daXXXX delay ) and I've yet to receive the money back from Citibank/Best Buy . 

On XX/XX/2021, I called Citibank/Best Buy again. The supervisor requested my checking account number and routing number to process the return of funds. He informed me there was error, but was unable to tell me what the error was regarding and that I'd receive communication in 3-5 days. 

I don't understand how a bank can process an UNAUTHORIZED payment on my personal account and refuse to give me my money back in a timely manner. This is money I need to pay my bills.

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 monetary relief
Consumer complaint received 2021-11-24 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: I.C. System, Inc.
State: GA

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 updates at all.

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 2021-11-24 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: PA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I reviewed my XXXX credit report and noticed that their was a collection being reported on my credit file. I contacted the debt collector Credence asking for " Validation. '' They in return respond with a simple letter with 4 lines and several pages of an XXXX XXXX XXXX bill from XXXX. 

I then wrote to them again in XXXX XXXXstating that I could not identify this information and to provide more information. Once again, they responded with a simple letter with the same 4 lines only a different date on their letter. They provided the same XXXX XXXX XXXX bill from XXXX with no further clarification, information etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 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: ENCORE CAPITAL GROUP INC.
State: CA

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. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Portfolio Recovery Associates, LLC
State: CA

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. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
As of XX/XX/XXXX an alleged creditor by the name XXXX XXXX XXXX is reporting an account on my consumer Experian credit report in the alleged amount of {$2200.00}. Experian was in receipt of dispute letter on XXXX XXXX, 2021 @ XXXX XXXX  There is an alleged original creditor listed as XXXX XXXX. Which makes XXXX XXXX XXXX a third-party debt collector. This account is not mine nor is any alleged debt mine, nor do I have any contract to do business with XXXX XXXX XXXXXXXX. I have written a certified mail letter to EXPERIAN and the CFO for Experian to verify the accuracy of the alleged account and alleged debt dated XXXX/XXXX/21 titled " Notice of Dispute Demand for Validation and Proof of Claim ''. As of XX/XX/XXXX Experian has failed to provide consumer with any accurate validation in writing pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681g, I expressed my right to demand that Experian disclose to me all of the documents they have recorded and retained in consumer 's file at the time of request concerning the alleged account that EXPERIAN is reporting on my credit report. Experian can not just reply in writing stating that EXPERIAN has verified any alleged accounts without providing the supporting full disclosure documents of how EXPERIAN has verified any alleged accounts or any alleged debts. I have not seen nor received any documents to support XXXX XXXX XXXX claims, nor any documentation from EXPERIAN for them to be reporting this alleged debt on consumer 's credit profile, which has violated and damaged consumer 's credit worthiness dropping score 92 points. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because EXPERIAN was unable to provide the necessary documentation.

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 2021-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2021-11-24 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: NY

Complaint narrative:
XXXX2021 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a credible response yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days so they should be deleted promptly. I demand 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 the wrong hands.

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 2021-11-24 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: American Profit Recovery, Inc., Marlborough, MA Branch
State: CA

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. Please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation