vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America in XXXX, CT has the worst customer service. I have a Power of Attorney for my father 's business account. In XXXX I called the customer service number in order to dispute 10 transactions that I deemed fraudulent. I was told that I needed to fax in the POA. It is now XX/XX/XXXX and the problem may have been resolved. In XXXX, I waited 10 business days and called the fraud number. My name wasn't attached to the business account. I called and got a regional manager who said he would assist. I then went into the XXXX, CT branch and an employee seemed to try to assist. He supposedly made phone calls. The XXXX employee said I had to re submit the POA. Then XXXX came. I waited 10 more business days and nothing. The XXXX employee said to wait 30 days! Months go by and the regional manager had me speak with his co-worker who was to assist. Then XXXX came She then sent a XXXX envelope to re send the POA. I continued to question if these people were really helping or just placating me. I sent the POA 3 times. In 5 months my name was never attached to the original POA. I obtained a Durable Power of Attorney which had my sister 's name attached. I sent that to the District Manager and suddenly she was able to speak to someone regarding the fruadulent charges. I seek to find out why this took 5 months. Excuses over the 5 months # 1. The pandemic and not enough staff to put my name on the account. # 2. We don't know why your name hasn't been added, send the POA again. # 3 your name was added to the wrong account not the business account. Are the Connecticut employees that disorganized or did they just not want to help me? I was always told that my name would be added. I would call land nothing. Lie after lie after lie. Five months is too long to get this fixed.

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 2021-11-04 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: DC

Complaint narrative:
I am XXXX XXXX I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I was checking my credit as I am building it to buy a home, I noticed my credit repoirt went down. Upon further investigation I saw that a company called Asset Care LLC had placed a derogotory mark on my credit for an XXXX XXXX  bill, that when was previously discussed approximately XXXX of XXXX, this should have been taken care of by my health care insurance providor. They said that they would look into the matter and get back with me. I didnt hear anything back from them. I had just aquired a debit consolidation loan to pay off all my debts, so this would have been included in order to clear it, had they gotten back to me. I called them yesterday XX/XX/2021 and spoke to a XXXX XXXX- she confirmed with me that they did infact speak to me over the summmer, I requested them to submit this to my insurance company for payment, she also confirmed that nothing else had been done with the account after that. I again request that they submit this to my insurance company, XXXX XXXX said she would have a detailed bill mailed to me, and they would remove the derogotory mark from my credit. However the damage has been done. I now have to recover 60 points on my credit report that should never have been taken off. Below is a desription of the drogotory information they placed on my credit report. I had XXXX derogotory marks on my credit until this. 

ASSETCARE LLC COLLECTION/CHARGEOFF Other {$85.00} Status Date Reported XX/XX/2021 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX  Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 4 Months Credit Limit Not Reported Highest Balance {$85.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Contact Us AssetCare is here to provide you with more information, answer any questions you may have and help find a solution that works for you. Please let us know how we can help. 
Talk to a Representative : XXXX Automated Payment : XXXX Mailing Address : AssetCare , LLC XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Husband and I had our mortgage sold to 5/3 for servicing and every interaction since has been abysmal. From setting up an account, auto pay, and now monthly harassment for payments. A lady from 5/3rd called around the XXXX of XXXX and wasted 10+ minutes of my time asking detailed questions about my personal information and when to expect payments etc. I made it clear multiple times I was not happy with her call or questions and that auto pay had been set up to pay on the XXXX, well before the due date grace period of the XXXX. I was told she would make a note of this and shouldnt expect any future calls. XXXX, that wasnt the case as I was called again today ( XXXX ) with the same questions. I again made it clear I was not happy with the pervious call, did not appreciate the follow up call, and would not be answering her questions, that it should be noted our payment is to be auto paid on the XXXX and I was an unwilling customer of 5/3rd, I was forced to be a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: Exeter Finance, LLC.
State: VA

Complaint narrative:
I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Exeter Finance Corp XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Capital One Bank XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 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: TX

Complaint narrative:
In XX/XX/XXXX I transferred a balance of {$5000.00} to my Chase Rapid Rewards Credit Card. The balance was to have no interest until XX/XX/XXXX. I was also charged a {$200.00} fee for the transfer. 

In XX/XX/XXXX I went to pay my credit card bill and noticed that my Interest Saver Balance was {$7000.00} and Card balance was {$9000.00}. This was odd as at least {$5000.00} should not be accruing interest.

I called Chase and they said that they had applied to my last month 's payment to the 0 % interest portion of the balance, and always apply payments to the lowest interest balance, so the other charges I had made that month were accruing interest and in order to pay them off before interest was accrued I would have to pay them off first.

This is against the Consumer Protection Act, as higher balances should always be paid first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
DISCOVER FINANCIAL SERVICES XXXX Date opened XX/XX/2014 Balance {$1900.00} // Charge Off DISCOVERBANK XXXX Date opened XX/XX/2014 Balance {$1900.00} // Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: NJ

Complaint narrative:
For my credit report with Experian, XXXX & XXXX on XX/XX/2021 my credit score dropped by 83, 85 and 81 points respectively. I have currently 2 open credit accounts ; one with XXXX XXXX XXXX  for an auto loan and one with XXXX XXXX XXXX for a credit card. I am in good standing with both lines of credit and have NEVER missed any payments. I have 10 closed accounts in which none of them have been closed recently. I have 3 credit inquiries with the most recent one being in XX/XX/2021. I additionally have no derogatory marks on my credit. My credit card balance as of XX/XX/2021 was {$1800.00} but I have since paid off that balance in full which is well before the due date of XX/XX/2021. As I mentioned before, I am in good standing with every lender and I have never been late or missed a payment of any kind. I believe this was an error by Experian, XXXX XXXX XXXX and my credit score should be returned to what it was in the previous credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXXBalance {$6400.00} XXXX  XXXX-XXXX-Balance {$13000.00} XXXX XXXXXXXXBalance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CA

Complaint narrative:
Equifax listed an account as delinquent when in fact the creditor simply has not updated payment status I have provided Equifax with proof that payments have been made on time and that all of my accounts are paid early and never late I contacted Equifax by phone and they refuse to correct their mistake. I discovered this situation while trying to get a credit increase so I could pay for funeral services my mother and was denied because Equifax reported I had " serious delinquencies '' when infact I have no delinquency!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: VA

Complaint narrative:
I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-11-04 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.
State: MD

Complaint narrative:
The company ( Coinbase ) manages virtual crypto wallets. The method of access is either mobile app or web app using typical user/password authentication followed with a XXXX or XXXX challenge . My account uses XXXX and when authenticating to the service the user/password combination is successful but the Coinbase telephone SMS short code is never sent with the authorization code that is required to input into the web/mobile app challenge to complete the authentication process. 

The issue was taken up with my mobile ISP ( XXXX ) who escalated with a tech support person and engineer to resolve the issue if it was on my end at the phone or their end at the mobile ISP service. My phone was fully reset to defaults and reviewed for any phone or code blocking that could prevent the Coinbase service from sending messages to the phone. Then we successfully tested other short code services ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX 's short code service, and several other short code services from other applications I use ) and reviewing XXXXXXXX XXXX XXXXXXXX  logs for my phone number, it was proven that the Coinbase was never sending their short code XXXX response. 

Before this process with the mobile XXXX, Coinbase 's online support pages had been followed fully, two times with no success. Phone calls were made to Coinbase 's support number but the service does not actually respond with advice or a person that can assist. At the end of each decision tree of the phone support queue you are dropped from the call.

A ticket was opened with Coinbase which initially only offered a canned response of what was provided in the online support pages. Additional information was sent to Coinbase to show that the problem was not at the customer end and a single email response with a repeat of the support advice was returned. When Coinbase was presented with the evidence that neither the mobile device or the mobile ISP was the problem, Coinbase ceased responding.

Several thousand dollars are currently residing in control of Coinbase who at this time is not responding to any attempts at communications. 

At the advice of a XXXX engineer I have submitted complaints to the Common Short Code Administration ( XXXX ) directly through the XXXX XXXX XXXX XXXX ( XXXX ) in regards to their short code service not responding according to XXXX best practices. The same complaint was also filed with XXXX XXXX who is tasked by the XXXX XXXX XXXX to monitor and enforce short code best practices. 

I am including a screen shot of the authentication page where the XXXX challenge code is input. This shows that I have control of the user/password and can partially authenticate into the Coinbase webpage but require the short code response from Coinbase to be able to move any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX Syncb/Care Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb/TJX Co Dual Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb/Paypal XXXXXX/XX/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 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
XXXX XXXX XXXX XXXX XXXX**** Opened Date XX/XX/2015 Balance {$2100.00} // Charge Off XXXX - XXXX XXXX  ***** Opened Date XX/XX/2015 Balance {$2100.00} // Charge Off

Company response to consumer: Closed with explanation