vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I closed my Chase small business checking account in XXXX, 2020. The customer service staff confirmed it was closed over the phone. Prior to this, I had moved all my vendor subscriptions to use another checking account debit card with another bank. 

I later received a letter from Chase that my account had been overdrawn which couldnt have been possible seeing as it was closed. Upon further research I discovered that Chase had not fully closed my account, but instead had allowed a charge in the amount of {$10.00} for an old vendor I had forgotten had been linked to my debit card. I expected that if there were any online vendor subscriptions that they would be declined since the account was closed. 

This then cascaded to Chase adding insufficient funds ( NSF ) and overdraft fees and monthly service fees on top of it. I later attempted to resolve the issue by contacting Chase and I paid the amount the vendor charged to Chase over the phone, but that I didnt feel the added fees were fair or ethnically based since I had been led to believe the account was closed and went through every reasonable effort to ensure it was. Their customer service said they were unable to help and do anything and I felt powerless and defeated just to try and get someone to understand what happened and how its not acceptable to treat small businesses like this. The reason I closed my account is due to my small business struggling during the pandemic and I couldnt afford to keep the balance amount to their limit in order to waive the monthly fee so I found a local bank that offered free monthly checking accounts instead as I had lost a lot of business. 

I received another letter which shows they sent the account negative balance to their collections department in the amount of {$80.00}. Since the last correspondence letter in the mail, I moved several times last year and have not received any other communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOAN 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover closed my credit card account which I had maintained in good standing for more than 30 years due to inactivity. The cfpb should stand on the side of consumers in this matter, since the entire world was effectively shutdown due to the COVID 19 pandemic in 2020. It is unconscionable that big business can use a computer default to close accounts and concurrently negatively impact credit scores. I am XXXX years old and like the majority of Americans, I followed CDC, federal and state guidelines to shelter in place for 2020. That Discover Card apparently continued their practice of closing accounts during the pandemic makes them the worst of business players. If nothing else Discover Card is the poster boy of bad business behavior during this most difficult time in world and American history. Over the years I most often used DC to shop at XXXX but in recent years XXXX is mostly closed, so my use of the credit card was limited to paying off accumulated debt and balance transfers. In my defense, Over the years I have paid off more than {$20000.00} in debt lo Discover Card and certainly they received interest on my debt. I rate them poor in business practice and consumer confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MVBA, L.L.C.
State: LA

Complaint narrative:
I received a text today ( XX/XX/21 ) from a law firm, called MVBA. I did not open the text, fearing it was spam bc my notification window described a law firm in Texas wanting to collect debt I had in XXXX, TX. 
I have never lived in TX, and the last time I was there was 25 years ago when I was XXXX years old. 
I searched online and found MVBA to be recognized as McCreary, Veselka, Bragg, & Allen. 
I believe this is a fraudulent firm. 
The message claimed to be from XXXX XXXX XXXX and the phone number was ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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 have an account from XXXX XXXX/XXXX XXXX that is a fraudulent account reporting on my credit. I have filed a FTC 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 2021-04-29 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 have an account from XXXX XXXX XXXX that is a fraudulent account reporting on my credit. I have filed a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: PA

Complaint narrative:
I have an account from XXXX XXXX XXXX that is a fraudulent account reporting on my credit. I have filed a FTC 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 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/2019 I purchased a membership with XXXX XXXX XXXX. This is a membership which cost {$140.00}. Membership includes a {$10000.00} line of credit/trade line with a yearly fee of {$99.00} which will be reporting to all 3 bureaus monthly. I purchased this membership and the company failed to report to the credit bureaus as stated in the membership package. I called this company and was told to give it at least 45 days to report to the bureaus. I waited XXXX and XXXX and finally asked for a refund and the company responded With Your account is now activated but it still never reported to the bureaus. So I didnt receive the services they claimed to render. The purpose of the purchase was to reduce my utilization on my credit report. This line of credit never reached my credit report and I found out that this company was reporting to the bureaus but was shutdown by the bureaus due to underwriting issues. They asked everyone to be patient and they will fix the problem. They stopped responding to everyone emails and they blocked the phone number from calling them. They also changed the website from stating reporting to all credit bureaus but I have a screenshot of the old webpage which states otherwise. The membership fee is not the issue with me, the service that this company says it provides that comes with this membership was not rendered. Therefore, I demand my refund. I was paying for a {$10000.00} line of credit which reports to all three bureaus and my services were not rendered. Therefore, I need a refund. I disputed it with my bank Wells Fargo and they claimed they lost the dispute because i signed a contract and I explained the problem was not with the contract, it was with the services it claimed to provide and it failed to uphold its end of the contract. Therefore, I didnt received what I paid for.

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 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recieves a EIDL Targeted Advance Grant from the SBA to my Chase personal checking account. I Had checmed with the SBA prior to deposit and was informed there should be no problems using the account. As well i had already received a PPP loan prior to this with no issue. Chase froze my account due to suspected fraud. I immediately went to my local branch with numerous documents showing i have been in business for over 6 years, including an old business checking statement, XXXX tax returns filed with schedule c business taxes, invoices to clients and more. After spending over two hours with the branch manager on the phone with their fraud department i was informed that only a EIN which i am not required to have as a sole prop ( ive always used my social ) can unlock my account. I speak with the fraud dept on the phone and am told that " if '' the documents i submitted are approved then i will receive a check within 10 business days. Now after researching online i have zero confidence that will happen as numerous others are in the same boat and even after jumping through every hoop imagineable have still not received access to their account or return of their funds. I spoke with SBA and was told they had no right to do this and to submit my loan docs whoch i offered but was told not neccessary and the taxes will do. I received no communication from them regarding this it was only discovered due to my own due diligance and i rightfully obtained these funds and am a legitimate business owner. This restriction is impacting my business and finances severely and chase is out of line and im sorry but based on events/research i do not trust them to do the right thing so i am proactively filing this complaint.i have attached proof that i am a legitimate business owner and these funds were not obtained illegally and are rightfully mine. I look forward to a timely response and hope that you can help or i will obtain legal counsel as my next step. Chase has no right to put peopke through this ordeal in these already hard times!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX saying I owe {$1000.00} the creditor is paypal and I haven't used PayPal for quit some time nor do I have any type of credit card with them my balance is XXXX with paypal tried to call the collector but can't get anyone to answer The account number on the letter is XXXX I need this handled as I don't want this on my credit thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Comerica
State: WA

Complaint narrative:
I have the Direct Express card thru SSA and have learned that their dispute resolution investigation means the merchant will always win and even if you get any resolution, the permanent decision in your favor can still be debited at any time after case closed. The don't even list what they're debit for or warn you..us low income XXXX individuals are at their mercy We can't add funds or keep more than {$2000.00} on this card, pending doesn't mean " hold '' on a debit card so hotel reservations or gas stations lock up urn $ $ for up to 90 days now!!! They get their money instantly XXXX but any return takes 7-10 days with receipt. or online purchase made after ID theft ( homeless and W/o shelter..it 's a b**** to try and carry everything on ur back, especially when ur XXXX and victim of authority that entrap you and partner with rules they make up as they go along depending on how you look that day and don't even care about identification or reporting ID misusage by people you think are ur friends No protection, worse for protected person, easier for abuse of anything and anyone w/o shelters that say their full but COVID gives them an excuse. Then no $ $ and no phone or Internet sometimes plus nowhere to charge on. Library is closed and no transportation. Finding a place to XXXX without buying something is impossible. Waiting on deposits at hotels has been a problem lately because by the time they're refunded someone has caused damage and being like this gives them an easy target and they can't remember, think you can't or don't know how to dispute it. Kinda like guilty before innocent, poor will always be there and if you try to be proactive, they will find something wrong to stop you from telling on them, the merchant. Found out a merchant can overdraft ur account ( mine is - {$190.00} ) do they get charged for that cause I can't even OD {$10.00} like they advertise I had to dispute the ATM fees once ( first one isn't really free - ever ) and no way I mail or afford to fax dispute forms. They say they never ask for your PIN or personal info but try calling the toll free # to verify. Also they ask you questions after like dates and amounts when they should have it right in front of them. Lost your card and recording says " we are experiencing a high volume of calls, please call back at a better time '. Is there ever? I don't have good enough credit to open a local checking account ..any suggestions?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have requested a lower or 0 % apr for a few months. I have a large amount on my card and I have been out of full time work for over a year. I also was positive for covid and almost lost my life due to a XXXX  XXXX report and XXXX XXXX in both XXXX. I still use XXXX. It will take some time to get back my health so I can earn a better living like I used to. I can not make any lead way to getting the debt paid with all the high interest. The cares act is supposed to help. i have not been able to get any government help because they still have an old checking account. 
This has been a horrible time for my son and I. 
I pray there will be some efforts from these credit card companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been using XXXX for a while now and originally I received a line of credit of {$2000.00} but come to find out in XX/XX/2020 they decreased my credit line from what seems to me like no reason. The only answer I received from customer service is that the bank told XXXX to decrease my credit line based on my credit history mind you I maintained a positive historical balance with XXXX. Instead of making the determination based on just my borrowing power from XXXX, I was informed that the bank looked at all of my credit history to determine a decrease of my credit line. What doesn't make sense is that I've had the credit utilization at less than 60 % in order to continue building credit history. All of a sudden my credit line got decreased which seems to me is for no appropriate reason other than that I am a risky borrower which based on my payment history has been more positive than negative looking at my usage with XXXX. So since XXXX is under new management of a new bank beginning in XX/XX/2020, I was told all my historical data with XXXX does not count except starting from XX/XX/2020, which is also setting up consumer 's for failure because the whole idea of leaving an account open is to improve credit history not get reset every time a company is under new management. Please help.

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 2021-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a dispute with Capital One Bank ( USA ) Na over 30 days ago and they have yet to respond to my Affidavit Of Truth, which was sent to them via certified mail. Which they received on XX/XX/21 and they have failed to answer. I informed Capital One Bank ( USA ) Na that I am disputing their claim. Moreover I requested that Capital One Bank ( USA ) Na supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal. Capital One Bank ( USA ) Na never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency. This account should have been deleted off the CRA files. Further more the fair credit reporting act regulates how creditors handle consumers dispute. The statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct. After 30 days have expired if creditor have not completed the investigation the disputed item must be deleted. Finally Capital One Bank ( USA ) Na failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
Notice for Proof of Claim Account : KEYBRIDGE # XXXX To Whom it mayConcern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

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 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I called midland funding about a 7 year debt in which they offered me a settled amount to be considered paid in full settled however they are reporting to the credit agencies I have a balance the agreement was to be deleted and considered paid. I will take action if not corrected ....

Company response to consumer: Closed with explanation