vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 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:
In a nut shell I was scammed by a loan company XXXX XXXX XXXX XXXX & they got into my checking account & reversed all the charges/Bill 's that I paid and they are saying they never received the payment. So now I'm getting phone calls, emails & text from all these people wanting their money.Meanwhile all the reversed money is sitting in my account, & they won't let me take it until they investigate. I was the victim of fraud and now I can't get my money & they closed my acct. I had to go & get another bank go through all the changes that goes along when something like this happens but it's not right. I DID NOT do anything wrong. The name of the bank is J.P.MORGAN CHASE. So that's basically it. I had to borrow money from a friend to pay some Bill 's & to eat. So it's not only the loan company that XXXX XXXX XXXX me the bank did as well. I really hope you understood all this & you can help me. Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have current Home Loan With XXXX XXXX This Mortgage Company Previously working under " XXXX XXXX  XXXX '' Old A/C # XXXX and new is same, also Mortgage company address is same. Just They Change NAME I request XXXX XXXX  company to remove old Account Name from My Credit Report. 
they sent request all Major Credit Bauru 's. XXXX  and XXXX Delete That Account from my credit file. But This Credit Agency since last three months did not reply or delete this account. i sent them more then 5 request by mail and one Certified mail conformation # XXXX dated XX/XX/2021 which they received on XX/XX/2021 its more then 30 days no reply no comply its a Violation of FCRA laws

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 2021-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
my name is XXXX XXXX XXXX. i lost my job during the covid-19 so around XXXX I couldn't make my credit card payment due to hardship of my finance situation at that moment so they ending up reporting on my credit report on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX so really bring my credit score down more than 200 points. i decided to talk to a representive of Bank of America and I explain my situation to agent and he removes all the late payment fees so i could pay it and we had a agreement so if I pay the amounts I own them, all my late payments is gon na be removed from my credit report which I did paid XXXX XXXX and it still on my credit report those XXXX XXXX i paid which was really come from a lot sacrifice I did to get all my lates payments removes it and they didn't respect our agreement. I'm trying to get a new delivery car to be able to pay my bills but I can't because of the lack of respect of our agreement. Please I need the consumer finance support to get those late payments remove from my credit asap so I can start working and provide for my family ( XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/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 explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have submitted this before, a few weeks ago. When XXXX closed, Synchrony bank sent a mastercard out to me, and transferred the XXXX balance onto it without my permission. I informed them I did not want it, but they insisted that it has to be that way. I don't understand how someone can issue a card without permission, and I don't want it. I just want to pay on my XXXX charge, not a XXXX XXXX  XXXX XXXX ' by Synchrony.

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 2021-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
when i apply for the cd, i was informed you get 5 % bk, now its 2 %. They say if the app is used, Its 5 % in walmark store up to a yr, nothing was said about app to get 5 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
The XXXX XXXX account keeps reporting late payments. This account should not be on my report. One month it will show all green payments on time, with 3 late payments for XXXX, XXXX, and XXXX, when it reported XX/XX/XXXX showed 1 late payment with no other payment history, today, XX/XX/XXXX, shows all late payments. The reporting on this account changes weekly and has been on my credit report to long. I have disputed this account, I have asked for verification of my signature and since XX/XX/XXXX I have still yet to receive any documentation proving this account is mine.

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 2021-05-01 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: GA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 7XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
This company has repeatedly contacted my work phone regarding a debt collection that I have no proof belongs to me. They have left voicemails on this phone number, which my employer has access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
You closed my previous complaint after Citizens ' Bank responded. Response was nothing short of XXXX  and I am filing this new complaint. 

Explanations about computation is fraudulent. Calculations of days in a cycle is wrong. For example - From XX/XX/XXXX to XX/XX/XXXX is 27 days not 28. From XX/XX/XXXX to XX/XX/XXXX there was 31 days. Although every month principal was paid at {$1000.00} statements for XXXX and XXXX had principal at {$28000.00}. Then in the response computation for period from XX/XX/XXXX to XX/XX/XXXX was calculated at {$5.00}?! CFPB accepted that fraudulent response?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I called American Express about a week and a half ago to make two payments. The representative took my request over the phone for {$600.00} and {$400.00} and I was told later that my payment was returned for insufficient funds which was not true I had sufficient funds .I tried to make the payment again this time for {$1500.00} this next rep only confirmed the last few digits of the account so I never would have known that the first rep failed by not typing in one of the beginning XXXX  digits. That then got returned both times American Exoress put a 4 day hold on the payment so I was not able to use my card. Now that it is a week and a half later I tried to call them to make a payment again and they say not only will the hold days increase to another 6 day hold even though it was their error that caused this they tell me that every payment I make going forward no matter which account I pay from will be a 6 day hold. This is the worst credit card Ive ever had. They refuse to compensate me for all the pain, suffering and damages Ive endured from their error

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I paid online the total balance of my credit card. I paid this highest amount shown when I logged into their online system. The online site indicated what they termed the ACTUAL BALLANCE. I then closed the account. About a month later I received a small bill for additional interest. When I contacted Bank of America I was told the bill was for additional interest between when the statement was issued and when the card was closed. No where on their web site was this ever indicated. No indication was given that what was shown as the actual balance was not really the actual balance. It is a deliberate misleading way of generating additional interest for Bank of America. A consumer has no recourse but to pay because Bank of America will report the account as delinquent, damaging my credit since Credit Reporting Companies always default to the credit card issuer.

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 2021-05-01 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
This is a complaint against XXXX XXXX and I am sure it is one of many similar ones. 

It is absolutely inexcusable that one has to wait literally hours, at times up to XXXX XXXX, to speak with a XXXX representative on the phone. An error was made when I was booking a flight on XXXX 's web page. On XX/XX/XXXX I thought that I had made and paid for a reservation for a friend to fly from XXXX to XXXX XXXX. I was surprised when an email confirming the transaction did not come through immediately but since I usually use another airline I thought this just might be peculiar to XXXX. However when I had not received any confirmation the following day I checked my VISA credit card and although the charge was pending, there was no reservation on my XXXX page. I waited another day and saw that the charge was still pending on my cc but since I needed to have the ticket another one assuming that the charge would be deleted from the cc since it was obvious that XXXX had no reservation for me. This time I used used my XXXX American Express card to make the exact same reservation as I had a couple of days ago. The confirmation came through immediately. 

Since I could find no reservation in my XXXX reservations on-line I was certain that the " pending '' credit card charge wold cease to appear on my Visa card. However, on XX/XX/XXXX the charge was posted on the Visa card for the original purchase but there was still no ticket or any record for it.. I have tried for a week to get this resolved but have been unable to get through to a XXXX rep. I have waited a total of XXXX XXXX on the phone and finally gave up and drove to the airport yesterday XXXX XX/XX/XXXX ). The agent was unable to resolve the issue. She did, however, find the 2 records and printed the receipts for me. The first charge was on a visa card XXXX XXXX XXXX XXXX XXXX for XXXX. I had a {$100.00} e-credit that I used with that ticket. On XX/XX/XXXX, the second charge was on my American Express/XXXX  card for {$550.00}. I am requesting a full refund of {$550.00} to be returned to my American Express card Yesterday at the XXXX airport I was given another phone number to use. Again NO success. When I started that phone call at XXXX last night the computer said the wait would be less than XXXX. After sitting with the phone to my ear for XXXX XXXX, I gave up. This is totally unbelievable and unacceptable. When the airlines receive bail out funds they should be required to provide decent service to their customers. 
I am at a loss as to what to do but am unwilling to me kept on hold anymore for HOURS with XXXX nor to simply let the airline retain my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted a dispute to Experian about their reporting of an incorrect balance on a XXXX XXXX Credit Card. There is no balance and the account is paid in full. I had previously summitted a dispute about this same credit card reporting a late payment. Because I had submitted an earlier dispute, Experian refuses to let me not submit the additional dispute and continues to report incorrect information about the balance of this card thereby causing an incorrection calculation of my credit 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 non-monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On XX/XX/2021, I submitted a dispute to XXXX, disputing a debt in the amount if {$610.00} that is being reported by Consumer Adjustment Company. On XX/XX/2021 XXXX stated that the investigation was complete, and that the debt was validated. I sent a certified letter on XX/XX/2021 to both XXXX, and to Consumer Adjustment Company requesting debt validation. Consumer Adjustment Company never replied to my letter. On XX/XX/2021, XXXX stated that the second investigation was completed, and gave the EXACT same response, that the debt has been validated, but failed to provide me with information on how they validated the debt. They didnt because they did not validate it to begin with because the debt is NOT mine. I called XXXX about receiving the same results and spoke with a representative that told me that they can try to validated again. That makes no sense to me when they were supposed to be validating it after the first request. This is consistently being reported and negatively impacting my credit, and yet neither company can show proof that this belongs to me. That is because it doesnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: OH

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed a negative account with Experian. The creditor is with XXXX XXXX and they havent resolved my dispute internally, yet Experian has said there is an update to my XXXX XXXX XXXX account. Experian continues to report false information. Experian continues to violate my rights to receive due diligence from my creditor that I have an dispute with. Experian should not be able to update an account unless the credit answers for them to do so. Experian is the only company that practices this way. In this climate Experian needs to be more transparent with how and whom they decide to update in 15 days. XXXX XXXX is still investigating so why did Experian make a decision against me. I feel violated and I know somewhere down the line Experian tactics will be exposed.

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 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Debt collection agency attempting to collect a medical debt that was paid in full by automobile insurance and fraudulently reporting debt to major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My Coinbase base account was compromised. I am unable to login to my account. However, someone who was able to withdraw all my monies from my bank account. I called my bank account and had to close the account that was linked to Coinbase and open a new one.

I wrote Coinbase about the complaint, but have not received a phone call or anything that could resolve my issues. I have over {$4000.00} in asset in my Coinbase account.

Company response to consumer: Closed with explanation