vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On behalf of Bank of America my card account was closed/ frozen on XXXX XXXX @ XXXX XXXX  eastern time. they say its due to fraudulent/suspicious activity on the account. I asked them why was the card closed they said that the unemployment office sent a email advising them to close my account and to contact them for further details. I call my unemployment office and spoke with every department that has stated to be that there is no fraudulent activity on my claim and that my Bank of America account is within good standing. So I retaliated back to the bank and have spoken to many departments about this issue and of course they all say its close led due to the state! The bank are the only company that has initiated that my card account was closed and sent several letters saying that the Bank of America has suspected fraud! XXXX unemployment is unaware of this action and has not specified any letters or communications with me about my account closure they are clear that Bank of America initiated the closure and should be the ones to fix the issue they also say they have no control over the account once they release funds into an account that its out of their control. This issue has be ongoing since XX/XX/XXXX and neither company has partake in resolving the issue! I have endured so much stress financially and emotionally. I would love for this matter to be resolved so I can received my funds and move on so Im reaching out to get help from other sources.

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 2020-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tribal Lending Enterprise, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, I called Mountain Summit Financial customer service to make a partial payment on a loan. After requesting to make an early partial payment to reduce my amount owed, the agent informed me that she could only accept full payment to pay off the loan or increase my payment to the scheduled payment day, which was in 8 days. I explained that I wanted to make an early payment because of the high compounding interest of 776 % and requested to speak with a management member because it didn't make any logical sense that I couldn't make a partial payment. She replied, " I am the floor manager. '' I then requested to speak and have the name of the office director. She replied, " I am the manager and can't give you the name of the director. '' I then requested the names of : Chief Executive Officer Chief Financial Officer Chief Financial Office Head of Operations Head of Consuming Lending Director of Customer Compliant She refused to provide me the information. So, I filed a complaint with the XXXX XXXX XXXX because the company didn't provide consumers an option of paying off loans early. I have taken loans from various companies that offer their customers the option of paying off loans early. After reading my contract, the documents didn't include wording about clients not making partial earlier loans. I requested an email or call from management or corporate offices, such as the CEO, CFO, Compliance Office, or a member of the board of directors. Fourteen days later, I haven't received a response from a board of directors or management. 

Several days ago, I spoke with a customer service rep at Mountain Summit Financial to request all of my signed documents inorder to provide copies to the Consumer Financial Protection Bureau. Twenty days after requesting my financial documents, I haven't received any paper work to add to this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX via support chat to ensure that my account had been fully closed out and that there were no payments owed. I was told that I needed to return the " XXXX XXXX '' and that they would send out a return kit for it, and that would satisfy everything owed to XXXX. When the kit came, I put the XXXX device in the bag, and took photos of it. I dropped it off at XXXX and got a receipt for it. On XX/XX/XXXX I got a collection notice from I.C. System claiming that I owed {$160.00} to XXXX as the " original and current creditor '', without any contact from XXXX except the aforementioned support chat. On XX/XX/XXXX, I sent a certified letter to I.C. System disputing the claim and requesting a full explanation of the alleged claim. I received NO RESPONSE from I.C. System. On XX/XX/XXXX, I received notice from Experian that my credit report had a new entry, and I found that I.C. System had improperly placed a derogatory report on my account. I.C. System never responded to me in my request for explanation of the alleged amounts owed, and just placed a negative report on my credit history.

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 2020-11-20 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: FL

Complaint narrative:
Experian refuses to remove negative fraudulent information on my credit report. This in violation of the FCRA.

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 2020-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint narrative:
It involves XXXX XXXX XXXX XXXX buying out bonds.On XX/XX/18 I settled my accident and received 1 check for {$190000.00} and went to JP Morgan chase and deposited it with the help of XXXX XXXX He scheduled an appointment with a security adviser XXXX XXXX we sat down and invested {$100000.00} in a managed account, and {$60000.00} in annuities acc. Last week I received a change in a health care annuity and a money order that was not the money order I had opened the account with.When I went to report the fraud XXXX XXXX would not do it due to chases banks rules then I found my debit card was being used and had to cancel it.on Monday I waited for the mail and it did not come.when I returned home that day there was a XXXX package and I opened it. And there was a magnet to XXXX. When going to bed that night I found the envelope with my new card tampered with.and placed another fraud on that card I'm still waiting for my new card. There is 2 checks from each lawyer equaling up to the amount of the check I deposited.and XXXX XXXX was also the one one who wanted me to register a car at XXXX XXXX.due to the case of dealer swap.I just found out my sister obtained a passport with my picture.And has been impersonating me in court cases that are using bonds to pay out claims.XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX.The man I live with is XXXX XXXX, and holds the key to the mail box.I recently ordered my XXXX 's XXXX and it came and all it had was a privacy notice suspicious I called and ordered another and was told they mail a code to receive it I did not get the code and someone did. And altered the report and presented it to the courts and I can't find what court..I have been fighting identity theft, insurance, car, motorcycle, ,bank you name it.Ive had 112 complaints in and nobody replies.I just received notice that I owe {$290000.00} in medical bills that were suppose to be paid in my settlement.XXXX XXXX XXXX XXXX, XXXX XXXX.are all involved .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and Equifax credit bureau regarding a collection/charge-off that was opened in 2017. Equifax is still the only credit bureau listed on my credit report while XXXX and XXXX  has since deleted this collection/charge-off from my report the first time around. The account has a balance of {$0.00}. It is well over 30 days and the account still hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-11-20 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: DISCOVER BANK
State: FL

Complaint narrative:
I have been trying to work with Discover card to get my interest on my credit card down. I had been on a plan from XX/XX/XXXX to XX/XX/XXXX. They wouldn't do another plan until I hadn't been on one for 1 year. I tried working with them and they would only lower my interest down to 12 % which is only good for a year and then it will go back up. They told me that If I wanted to go to a credit counseling service and get a plan with them they would honor it. I don't want to do that. If they are willing to accept a lower interest with them why not just give me the 6 % interest the lady spoke about when referring to the credit counseling. I want a flat rate interest that is low. 
I dont ' want to use the card. XXXX XXXX XXXX gave me 2.9 % on their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Using my XXXX XXXX XXXX, on my XXXX Account, I places an order for {$330.00}, order number XXXX. The order was separated into multiple packages, and for one reason or another one of the packages never arrived. The missing package was {$37.00}. When the package was updated to delivered in XX/XX/2020 at XXXX pm without any XXXX delivery truck appearing all day, I immediately checked my porch, and other areas around my home. However, the package was not there. I then walked to another building that has a secured mail room, that packages are sometimes left at. However, there was again nothing there. I then went through my XXXX account and using the customer service portal, timestamps at XXXX, I noted that no delivery was made to my address. I was informed to wait two full days and if the package wasn't received by then I get a refund or XXXX will replace my item. 

After waiting the full two days, I reached out to XXXX on XXXX/XXXX/XXXX, and reported the item as still not delivered. I was told by customer service that they researched the item and was instructed to wait two more days until XX/XX/2020, and I will definitely get the item. 

Now on XX/XX/2020 I have reached out to XXXX reporting the item as still never being delivered. However, they stated due to a delivery being noted, that I am not eligible for a refund or replacement. 

Despite documented proof of the item never being delivered, and documented correspondence from XXXX guaranteeing a refund, XXXX is still listing a charge for {$37.00}, for an item never delivered. This even appears on my credit report as part of my balance, even though they failed to provide the services to run the charge on my credit account in the first place. 

I did not reach out to Chase, as a dispute and/or chargeback is pointless. As I initiated the transaction and XXXX can show fictitious documents of delivery. However, I've included XXXX on the complaint as this affects my XXXX XXXX contracted out through Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Keep receiving calls multiple times a day from different numbers under the same company, Portfolio Recovery. I don't have any debt from this company at all ive told them to stop calling, ive tried blocking multiple numbers they've used and have still been receiving calls for the past 2 months on a daily basis multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: TX

Complaint narrative:
MoneyLion/XXXX is holding on to funds from an authorization charge from a cancelled order that should have been released by now. Its not right that theyre still holding on to the funds and havent credited my account back. Im very disappointed and I hoped that they would be able to help me out as I desperately need my funds very bad. For this company to be a credit builder company there are not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I had a fraudulent Credit card account opened in my name, with a bank called the XXXX. The account was opened on the XX/XX/2019. The opening balance of the account was {$3200.00}. I already took some action to have this account closed, by actually having send a credit dispute using my experian account, the account did appear close on my experian account, but now it has come to my understanding that, the account dispute was never resolved because a collection letter was sent to me, asking me to make payments on the fraudulent XXXX  account which was opened in my name.

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 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to LVNV Lending Company, XXXX XXXX XXXX  and XXXX  credit bureau regarding a collection/charge-off that was opened in XXXX. There are 4 inaccuracies on this report. Transunion is the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report. It is well over 30 days again and the account still hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX  XXXX  add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I contact XXXX XXXX on XX/XX/2018 and they responded. On XX/XX/2018 I provided further information as to their failure to uphold their own lease terms. 

The constant XXXX XXXX, the lack of the use of Washer and Dryers and money wasted. The neighbors downstairs noise and guest violence. My daughter grades are suffering and Im just exhausted with it all. I appreciate so much the opportunity to make a fresh start but my whole life was just crippled by the environment and inability to have space to even relax. Im working sometimes XXXX am to XXXX XXXX  and its just constant noise and disrespect of the community. If I try to tune it out then my downstairs neighbor beats the ceiling or slams the door. She is volatile and manipulative and it triggers me to get so depressed because I am upset. I cant function and be productive like this. 

On top of these issues there were several XXXX snd XXXX users on the premises and soliciting drugs to my daughter as she walked to and from school. This company put my childs life at risk snd endangered others. The leasing management partner XXXX XXXX offered me to move properties but all were very similar to the same environment. 

I do not owe Genesis Credit Management XXXX XXXX XXXX. There has been no debt verification, validation sent to me ever and I be not resided on this property in over 2 years. 

Until they can provide proof of NOT allowing drug activity on the premises and allowing barred/banned residents to remain in the property and also child predators on the property as it relates to THEIR own terms and conditions and bond agreement then there is no basis for this collection claim and it needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed the errors on my credit report because the bureaus are reporting inaccurate information, that is affecting 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 explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Hello, I am disputing this frivolous account. This account is being attached to me and has ruined my life! I have sent several requests ( 5 ) to be exact requesting this collection company and all three credit bureaus to validate and theyve failed to provide me proper, and accurate validation of this preposterous account. The most recent letter I sent was dated XX/XX/XXXX. I received a response from Southwest Credit on XX/XX/XXXX, the company responds with an alleged and fabricated statement with the company listed name XXXX, however the all edge client name is time warner cable. The bills each have different amounts ranging from {$640.00}, {$540.00}, {$340.00} HOWEVER the company demands my current balance with them is {$320.00} YET they are reporting to ALL three credit agencies the said amount owed is {$130.00}. This company has lied to the credit bureaus whom has FAILED to properly verify this underestimate the FCRA. I am demanding this bogus account be removed immediately and erased because it is no way associated to me. I have attached my proof! I demand this company remove and the bureaus remove it as well..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
The below complaint was filed recently against Wells Fargo, not addressed ... The rep replying on end of Wells Fargo replied by stating no additional correspondence will be sent regarding matter, did not address complaint or offer resolution ... It appears the rep used a general form reply as most Wells Fargo reps like to use..Needless to say, this type of reply does not address or resolve matter.. 

Wells Fargo offered remedy payment in amount of {$3700.00} as well as subsequent amount of {$500.00} via mediation for fraudulent accounts opened by Wells Fargo reps in my name which were unwanted and again, fraudulently opened. As explained in prior CFPB complaint, no payments were received, payments sent to old address were not received. I have since moved to a new address which is XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I've requested a reasonable settlement amount, Wells Fargo has failed to offer an amount which covers damages sustained due to these fraudulent accounts. Wells Fargo reps replying to CFPB refer to mediation agreement which again, was not received as anything sent to old address would not be forwarded. Since no agreement received, they can not refer to it as any document related to was not signed by myself. It appears Wells Fargo will not honor their offers, refers to old address they sent to in which case was not forwarded to current address.

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 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
My EPPICARD is declined when I try to make cash advances at the bank. This has been ongoing for the past 4 weeks. The company has MY money and I should be able to access it. I have called the company and had to be escalated to a supervisor who said she WhiteListed my card and it should work in 24 hours. It has been 48 hours and the card is still not working. This is not right and it looks like others are having the same issue based on comments on the web. This is absolutely terrible!

Company response to consumer: Closed with explanation