vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 my XXXX account, which is linked to my Chase debit card checking account was charged in the amount of {$810.00}. This was an accidental purchase. I had been browsing concert tickets for curiosity sake. It was never my intention to buy them. Later that same day, I noticed an email from XXXX with a purchase receipt from XXXX. I was shocked because I never made the purchase! I immediately contacted XXXX  to see how I could reverse the transaction. I called XXXX  various times but never got to speak to a person. I received an automatic reply email from XXXX. I had emailed them stating that I did not make the purchase and asked what I needed to do to get a refund. On the automatic reply they did not provide further instructions just generic information about timelines for refunds. I decided to contact my card issuer, Chase Bank and dispute with them since I was getting nowhere with XXXX  directly. Chase made my funds available immediately. I no longer worried about it. This morning, on XX/XX/2021 after the concert had already passed, Chase denied my claim and put the charges back on my debit card account. I called Chase who told me there was a process to follow with XXXX and I needed to go through them. XXXX customer representative are IMPOSSIBLE to get a hold of. They never responded to my initial attempts to contact them about the issue. Now I am being held responsible for {$800.00} dollar concert tickets which has already passed. I'm not in the position to pay this amount for concert tickets. I did not make this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I bought several different crypto currencies from paypal. I had a seller and buyers dispute that I filed a complaint about during covid19 because paypal and XXXX had poor customer service. Specifically during this period there was no telephone support. I filed XXXX  and cfpb complaints to get answers. Paypal got angry and retaliated by advising they would be closing my accounts. Additionally they said I can not use paypal. They refuse to refund me my cryptocurrencies that have since increased in value. I am pretty sure both cancelling my account and holding the cryptocurrencies is illegal. I also did not receive any tax documents from paypal for this yet and is also illegal for them to do. Please assist me in holding paypal accountable for the held cryptocurrency issue. I had cryptocurrency for both my business account under email XXXX and my personal email : XXXX. they allow seperate accounts for each. They close all these accounts and another personal account XXXX. i expect a list of all cryptocurrency transactions mailed to me for taxation purposes. I also want the company to give me back my cryptocurrency holdings on all accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX XXXX XXXX shows derogatory information on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/15 an order for a cost of {$540.00} was made on my XXXX account using a credit card of mine, but I did not make or approve the purchase. I immediately contacted XXXX when I saw the charge pop up since they were the merchant, and they told me to contact my card company to report it as fraud. 

My card company is Capital One, so I called them to report the purchase as fraud ( since I did not make it ). I received notice today that they're saying I am responsible for paying off the purchase. I called them back trying to figure out why, and after playing phone tag with a few different departments I never really got a reliable answer of what I should do. 

I didn't make the purchase, the item never arrived at my address ( if it did I would just return it ), and when I use the tracking number on the order page it shows it being sent out days before the item was even purchased ( and delivered the day the item was ordered ) which makes absolutely no sense to me ). XXXX also shows the shipper being XXXX, but if I track the delivery number it's XXXX. The delivery says it was signed for by a " XXXX '', but there is nobody by that name at my address ( I live alone ). 

Capital One isn't helping, XXXX isn't helping, and I'm at my whits end. I'm about to start XXXX XXXX, so I really can't afford any unplanned ( and unwanted! ) charges to my account. I take my credit seriously and monitor it like a hawk, so I report unplanned/unrecognized charges as soon as I see them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I FILED A REPORT WITH CONUSMER FINANCE GOV AGAINST BOA. 

BOA OF PATHETIC ATTEMPT AT ANY SORT OF COMPLIANCE WITH THIS ORGANIZATION IS LAUGHABLE. I RECEIVED 1 CALL AND A CALLBACK NUMBER. ICALL THE CALLBACK NUMBER. IT DOES NOT HAVE ANY PROMPTS TO CONTACT BOA EMPLOYEES IT ASK FOR A XXXX DIGIT EXT. THE EXT LEFT ON THE XXXX DOES NOT WORK AND I HAVE NO WAY OF CONTACTING THEM. 

THE ENTIRE THING IS A JOKE. A FAKE SYSTEM SET UP TO MAKE THE APPEARANCE THAT BOA IS ACTUALLY ATTEMPTING TO COMPLY WITH FEDERAL REGULATIONS I HAVE THE VOICMAIL SAVED

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 2021-11-25 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: NY

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has 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 creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : ( XXXX XXXX XXXX, XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Transunion has 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 creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : ( XXXX LT XXXX )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I heard a radio advertisement for XXXX and how easy it was to get a {$5000.00} loan with challenged credit. At approximately XXXX on XX/XX/21, I entered in my personal information including social security number, bank information. I immediately got a phone call after applying on their website. After speaking with a rep from XXXX I was transferred to a Lexington Law rep with the email address of : XXXX. In speaking to him ( forgot name ) about the {$5000.00} loan, he stated he needed to " run my credit '' to get an answer. I approved this thinking that I would soon get a decision. He soon started talking about the negative items on my report and how his company Lexington Law could get them fixed ( no promise made ) so that I could possibly get approved for the {$5000.00} loan from a company called XXXX. I listened and thought it was legit, I gave him my credit card number and everything and he deducted {$4.00} for the credit pull. He then said it would cost me {$100.00} up front off my card to start the initial credit repair process. It would cost me {$120.00} after that, every month, until I wanted to cancel. 
I feel I have been scammed and I am cancelling my contract with them after I submit this complaint. 
I hope this helps the lawsuit and I am happy to speak with someone about it. I will have evidence of the account I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The I C SYSTEM XXXX shows derogatory information on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2021-11-25 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: AES/PHEAA
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX XXXX shows derogatory information on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit acceptance shows 180 days late when I'm on time and have made 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 2021-11-25 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: PA

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: PA

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX CT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: UT

Complaint narrative:
On XX/XX/21 I received an email from XXXX indicating that I have a new account under my name. When I looked at the account, it indicated that the account was Sequium ( XXXX ) with descriptors of collections derog and was opened on XX/XX/21 with a balance of {$280.00}. I have no idea where this charge would have come from. From research, it indicated that the company tends to work with internet/cable providers so I looked into my previous and current internet companies ( XXXX-previous ; XXXX-current ), and those are fully paid. All of my other accounts and medical bills are paid. I have no idea where this charge would have come from. I also have not received any calls, emails, or letters regarding this collection. Relatedly, I have zero documents to attach to this complaint because I haven't received any. I believe they are falsely making this claim and highly damaging my credit score in the process. I would like this resolved and removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP
State: ME

Complaint narrative:
On XX/XX/2021 an unauthorized automatic payment was taken out by the company. As this payment was an excess they applied it to the following month. Upon the discovery of this unauthorized payment, I called Megastar to complaint of this payment. I was told they could not reverse the charge but would need to issue a check. I was issued a check for XXXX ( The amount of the unauthorized payment. ) I was not paid the overdraft fees that I was charge for debits that came out when I was not aware of this payment. 
On XX/XX/XXXX I cashed the check for XXXX that Megastar sent. I received a notice from my credit union 1 week later that the check had a stop payment. I was assessed a XXXX dollar stop payment fee. 
I called Megastar 's customer service number and was told that they had no record of the stop payment and asked for me to send in the credit union notice. This notice was submitted to Megastar. 
They continue to say that the check was cashed even thou they have the letter from the credit union showing the payment had a stop payment. The escalation 's department said they were looking into it as the credit union letter shows they stopped payment but their cash office says the check was cashed. 
I contacted the corp. office and was told it was a problem with the payment process company they contract with and they kept telling them that the check was cashed. The corp office could see the submitted letter from the credit union showing stop payment and fee attached for the stop payment that i was assessed. 
I have been told many times from the customer service department that a supervisor would call me to talk about this but none will call. 
We are approaching 4 months since this happened and we are no closer to resolving this dispute and the megastar financial corp office says it is the problem the payment processor needs to fix, however they should be responsible for the payment as the loan server.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX - XXXX XXXX Inquired on XX/XX/2020 ; XXXX, XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I had a large amount of GYEN in my Coinbase account. I tried to transfer it to another crypto, it failed. I tried again and it went through, but not for the amount I was shown would be traded. Everything else disappeared - I lost about {$8000.00} usd worth of XXXX into thin air. So {$10000.00} usd or equivalent in crypto seems fair. 

Lots of other people had the same or similar issues. 

If I go to the grocery store and a bag of apples is XXXX I get a bag of apples for {$5.00} - even if they meant {$15.00} If Coinbase showed me transferring from one crypto to another at one price, I should get it. So should everyone else who had these issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-25 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: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation