vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Lending Club Corp
State: PA

Complaint narrative:
I was not aware that I was past due on any payment for this account. I never received any notification via mail XXXX up until XX/XX/2021 after I filed initial complaint ) or email from them. I must have made over a dozen phone calls to resolve this issue In the beginning they said there was a computer problem back during Covid XXXX  shutdown and all my payments were current. I say that I was required to pay an additional {$420.00}. I didn't know until I went online and say a past due amount. So I schedule a payment of {$930.00}, that amount I just made off the top of my head. When I went online to see if my payment was posting for {$930.00} it said amount due {$1300.00} so when I went to ck it took the full {$1300.00} and my {$930.00}. I am not working at this time. I requested the {$930.00} back and to keep the {$1300.00} so it would bring my account current. They did refund me the {$930.00}, but they are reporting to my credit report a delinquent. But if you review my on time payments it is all on time. my credit report dropped XXXX points. I called them to remove the neg report they put on my credit score. It went on then it went off then it went back on. I went from a good credit score to average. This is unacceptable and should not be allowed. I am not working but am still able to pay my bills, and am waiting for my UI to start back up as I had to file a new claim. Every time you speak to Lending club you get a different answer from a different person. I told them I am more than happy to give them extra on each payment to make up for whatever is due but it does not seem to make sense so I don't know where the extra money is going when I make an additional payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I entered into an agreement with Messerrli and Kramer P.A. to pay off two accounts owned by XXXX XXXX XXXX. The agreement was to pay {$170.00} starting XX/XX/XXXX and {$170.00} on the XXXX of each following month until the balance of both accounts was paid of {$2100.00} in total. These accounts were a XXXX XXXX  account and a XXXX XXXX XXXX  account respectively. This agreement started XXXX of 2020. I've made my payments in full and on time through since the agreement. Every payment I have sent has required a signature. Messerli and Kramer stopped applying payments to the XXXX accounts due to a clerical error on their part. This caused the account to go back to XXXX XXXX XXXX and XXXX XXXX XXXX reported the balance past due. 

I've asked that Messerli and Kramer write me a letter reaffirming that they represent the XXXX account and also state that the payments were not applied to the account due to an error on their part. I've had this conversation multiple times with Messerli and Kramer over the course of nearly a month and have yet to receive my letter. They also asked that I continue to send in payments as agreed during the period that they didn't represent both accounts.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
On XX/XX/2021, Revolut limited access to my account without notice or without stating an explicit reason why. This limitation results in me not being able to use my funds at all - effectively a full freeze where i am not even allowed to access past bank statements or other useful information. 

Note : This was preceded by an untimely review of a transfer to my account, which i have submitted another complaint for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate 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 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 Chase closed 2 of my bank accounts without notice or explanation after the accounts were opened XX/XX/2021. I deposited a total of {$22000.00}. This caused me not to be able to pay items causing a financial hardship. When I called the proper department, they were rude and unprofessional. Telling meI can never have any accounts as long as I live. No explanation as to why. Very disrespectful and I was distressed. They treated me in a XXXX fashion knowing my race and religion. I dealt with XXXX XXXX XXXX NMLS ID : XXXX and XXXX XXXX XXXX XXXX ID : XXXX who did not give me an explanation or reason. XXXX didnt respond to requests of explanation. In fact he never got in touch with me after personally opening the accounts, giving me checks and advising me I can use them immediately. 

Chase should be fined for a substantial amount and pay me for their felonious actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
On XX/XX/2021 I sent sent a check via XXXX XXXX that would have paid off my loan with my finance company. The check was received on XX/XX/2021 by the loan company ( delivery confirmation receipt available ). Although the check had been received there was no activity on my account to show receipt or processing of payment, multiple calls to customer service could not provide any verification of the check. In an abundance of caution, the check was cancelled and a replacement check sent via XXXX XXXX to replace the initial check that was cancelled. The replacement check was received by the finance company on XX/XX/2021, also verifiable via XXXX XXXX  tracking, and again there is activity to indicate processing of the payment. Additional calls to customer service yields no assistance or updates and I am only told the customer service agent would have to email another department and I am told to call be in a few days time. That has ben the answer given every time I seek and update on my payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: KS

Complaint narrative:
Chime bank closed my account out of nowhere. They said I was not in compliance with the XXXX banks internal policies. All I do is receive my direct deposits from work, and spend my money on things I need. I have not violated any rules or regulations. They closed my account and left me stranded with no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
At check out I was offered a store card, and I responded by letting the cashier know I did not want to sign up for a credit card. The cashier assured me that this wasnt a credit card it was a store card, and it couldnt hurt my credit. I hesitated but agreed because of the 10 % off promotion. As they collected more of my information I started to realize this was in fact more than just a store card. I tried to back out and they said all I need is an address and the process was almost over and was fine. They didnt disclose to me that this address was where the card was being sent, so the address I gave was the one on my license that I have not lived at for quite a few years now. They assured me I could just cancel the card once I left.

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 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied online and was approved for the below offer. 

Earn 65,000 XXXX XXXX XXXX bonus miles and rewards on business expenses Bonus miles earned after {$4000.00} in purchases within the first 4 months of account opening Annual fee {$99.00}, waived for the first 12 months I received the business card and called to activate it. When I spoke to the activation customer service rep over the phone I asked for her to confirm the sign up bonus. She said if I spend {$4000.00} within the first 4 months I will receive 65,000 XXXX XXXX XXXX miles. So I agreed and requested her to activate my account now that the sign up bonus was confirmed. 

I then spent over {$4000.00} on the card within the first couple months. I waited 2 billing cycles and never received the sign up bonus points of 65,000 miles. 

I called in and spoke with 4 reps for over 3 hours. I was told the reason I will not get the sign up bonus points is because I had this same card within the last 2 years. I explained that even if that was the case, that is not what I was told when I activated the card, and they need to honor the rewards because their activation rep told me if I spent {$4000.00} i would receive the 65,000 miles. They just reiterated their rules and regulations, and said all they could do is give me 5,000 points. I wanted to file this complaint before I closed the card to see if someone from the executive team can reach out to me and honor the 65,000 miles since i was told during the activation call that I have a sign up bonus rewards connected to this account if I spent {$4000.00} in 4 months I would get 65,000 points. I never would have spent over {$4000.00} on this credit card had I known there wouldn't be the sign up bonus, but I wasn't told that I was told there is a sign up bonus connected to my business card.

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 2021-04-16 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:
XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Equifax at XXXX XXXX XXXX XXXX, GA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Equifax to send me proof that the debt is mine. I did not receive any proof and Equifax stated that they validated the debt and it is mine. 

Equifax also failed to respond to the letter sent XX/XX/XXXX so along with the dispute letter for XX/XX/XXXX I sent a nonresponse letter to Equifax. 

The account has not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: WA

Complaint narrative:
I'm having issues with Coinbase. They had an offer to complete a course on a new coin they were offering so i did it and the next day I was charged {$50.00} worth of that coin. Which I never agreed to buy this was on XX/XX/XXXX. They charged an old bank account i had left connected so the payment failed. I contacted them the next day and they said i had to pay to keep my account active. So I did and as soon as the payment went through they fully blocked me from my account on XX/XX/XXXX. I then submitted another ticket with my concern where they said I should receive a response from a " Specialist '' in 4-5 days. It's now XX/XX/XXXX with not a single response from my first or second tickets. I have XXXX XXXX and XXXX XXXX on their platform making my account worth well over $ XXXX. This is putting my business in a big bind not being able to sell. I've already lost a huge deal on a new piece of equipment I have been trying to get for a month because i wasn't allowed to pull my money out. I've been emailing them daily I have attached the email string to show how unresponsive they are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16 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: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/21, XX/XX/21, XX/XX/21 This account was settled on XXXX a zero balance and the account closed. I have tried reaching citibank and cant seem to get a live person you just keep getting transferred to an automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction on XX/XX/2019 where CAPITAL ONE AUTO FINANCE took the alleged ASSIGNEE role in this transaction. With this consumer credit transaction that took place there was a finance charge that was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Also in this transaction my right of rescission was not disclosed to me pursuant to 15 USC 1635 which goes against 15 USC 1601 ( a ) Informed use of credit. Also be advised 15 USC 1602l defines credit card as Any Card existing for the purpose of obtaining money, property, labor, or services on credit and in this case my credit card was used via my social security card for this consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: SC

Complaint narrative:
I recived an email from XXXX XXXX regarding Hard Credit Inquiry and closed account for something labeled as " Khols/CapOne ''. I did not apply for any credit recently and I am confident that this is fraudulent activity. I attempted to dispute the Hard Inquiry online with but they did not have an option to dispute a hard inquire. I need to do what I can to dispute the Inquire, it is negatively affecting my credit and I'm concerned over further fraudulent activity. I would like an investigation so I can take proper measures to insure my credits safety and security. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
I am paying a yearly service for premium service on the revolut XXXX Today I needed to pay some bills and my account is locked / suspended. Since my account is suspended I can not use their service to pay bills nor can I access any of my funds. Reaching for a live rep has ben imposible to do even with premium service I am paying

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

The account has not been removed from my 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 2021-04-16 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Good afternoon! 
In XX/XX/2017 capital one bank closed my checking account and send me a check with my left funds to the address they had on file. 
I was in XXXX  at the time and could not know about that and could not see the check. Upon asking the bank to provide me the information about my funds they told me the check was cashed by a person of XXXX XXXX XXXX somewhere in Massachusetts in XX/XX/2017. 
They ( Capital one ) sent me the check that it was charged but they could not find the person who deposited it. 
I went to XXXX XXXX XXXX  but they told me they need more information regarding this check to find out the customer who would do it, but capital one could not provide me more information. 
Please solve my inquiry as I truly never had a chance to get my funds back and being XXXX and single I need money ASAP.

Company response to consumer: Closed with explanation