vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a California resident and hold a personal checking account and a business credit card account with Chase Bank. I tried to use my business credit card on XX/XX/XXXX at XXXX, but the card was declined. I logged in to online banking to check my card 's account status, and was shown a message that the account is closed. I asked customer service via secure message, and I received the following response from " XXXX '' : XXXX, you account was closed due to bank policy. I apologize for the denied charges. To discuss the rea son for closure, we must speak with you directly. Please contact Customer Service at the number listed on th e back of your card. 
I regret to inform you that the open to reopen your account ending in XXXX is unavailable. You can apply for the new card online. To submit a new credit application, please visit our website for the most current offers and terms available. You can find us on the web at : https : //creditcards.chase.com Several days later, I received a letter dated XX/XX/XXXX, stating : After careful consideration, we decided to close your credit card account on XX/XX/XXXX, because of unexpected activity you conducted on this or another Chase account. 

I also received a letter in the same envelope that says that my checking account will be closed on XX/XX/XXXX. 

I called in to customer service and spoke with the compliance department ( s ) on two calls, one for the checking account and one for the credit card account. The representatives " XXXX '' and " XXXX XXXX '', would not provide more information on what happened or why my accounts were closed. 

I am not aware of any violations of the contractual terms, nor am I aware of activity that would be considered unusual or unexpected on these accounts. 

On information and belief, this appears to be a violation of the California Song-Beverly Credit Card Act of XXXX. There may be other violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, the debt collection agency XXXX XXXX XXXX XXXX placed a derogatory remark on my XXXX Credit Report that claimed I owed XXXX XXXX XXXX XXXX XXXX {$580.00}. 

This charge is alleged by XXXX - which has a XXXX XXXX XXXX in Florida - as a result of a visit by me to the emergency room at XXXX XXXX  Medical Center in XXXX, XXXX, in XX/XX/XXXX. 

I made that visit using my Veterans Administration health benefits card, as vets were told that we could get emergency services at the XXXX XXXX using our VA benefits card. 

Several months after the visit, I suddenly received a bill from XXXX for {$580.00}. When I wrote XXXX to inquire what that charges were for, the response came that it was for services of their doctor during that ER visit. Their doctor took 10 minutes to review my symptoms and wrote me a prescription for XXXX XXXX. That is ALL he did. 

I wrote XXXX and gave them the address for the VA in XXXX to send the bill there. I got a letter of response ( attached ) from the VA saying they had settled the bill with XXXX, and by law, XXXX could no longer pursue any further collection of money from me for that ER visit. 

I wrote XXXX with a copy of that letter from the VA, but they persisted in their collection efforts, turning the matter over to XXXX XXXX XXXX XXXX. Despite my attempts to report this erroneous derogatory remark to XXXX, XXXX XXXX XXXX XXXX continues to refuse to remove this false derogatory remark from my XXXX credit report. 

No further money is owed to or will ever be paid by me to XXXX XXXX XXXX or XXXX as a result of one ER visit four years ago that the VA settled. 

Because of this attack on my credit, I no longer have tried to obtain medical support from the XXXX XXXX and now have to drive 80 miles one way to XXXX XXXX, FL., to get ER support from the VA hospital there. 

That my credit report is still being damaged by this false derogatory claim is an injustice to a US Veteran who lives on a fixed income on Social Security supplement by a part time job at age XXXX. 

I do not owe XXXX {$580.00}. XXXX XXXX XXXX  should be required to remove this remark from my XXXX  credit report and from any other credit report they have attached it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Had an outstanding balance at coinbase and contacted them on XX/XX/18 to pay it off by transferring bitcoin to my account. Sent them an email asking if that would be a sufficient means to pay the debt owed and unlock my account. This was their response on XX/XX/18 Hi, XXXX. 

Thanks for getting in touch. 

Your purchasing ability is currently restricted due to an outstanding payment of $ XXXX   Please select your desired external payment method or deposit digital currency into your Coinbase wallet from an external source to at least the outstanding amount. You can select a payment method using this link : https : //www.coinbase.comXXXX   Once the funds are deposited in your wallet, our system will automatically reclaim the owed amount within a short time. If you would like to deposit digital currency, you can find your Coinbase addresses here https : //www.coinbase.com/XXXX Thank you for using Coinbase. 

Regards, Coinbase Support Regards, Coinbase Support At this point, I transferred the debt owed and a considerable amount more. 

On XX/XX/XXXX, XXXX XXXX  EST, the money was recieved. What was explained to me in the email is that it would automatically pay the debt off or in a short period of time. A day went by, so I called in to the support. He explained to me he could send me an email with directions to unlock my account. This is the email sent to me Hi, XXXX XXXX for your call today. 

I have checked that you have already done your part on receiving the funds for the payment of the balance. 

As I mentioned, your purchasing ability is still currently restricted since the funds are still under your wallet. 

Sorry, I will not be able to provide you a link for direct payment of the balance. I am working with a specialist to address it properly, we will be pulling out the funds from your wallet and lifting the restriction under your account. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

Regards, Coinbase Support Team Another day goes by, still nothing. I called in again and got the same explanation " your situation has been escalated ''. Told them that wasn't acceptable. I already contacted them prior to all of this happening and now they are not holding up their end of the agreement. That was on XX/XX/18. As of right now there is over XXXX bitcoin in my account that is fluctuating and I have no control to get the funds out before the value of it decreases. I've sent in 3 more emails since, and nothing has gotten a response. Also sent a complaint to the better business bureau on XX/XX/18. 

I'm disgusted that a billion dollar corporation has the power to hold MY MONEY and keep it frozen out of my hands, when all I did was everything they asked me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
Company # 1 : Diversified Consultants , Inc . 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : Diversified Consultants , Inc . Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : XXXX XXXX XXXX. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. This is an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX, requested unauthorized credit report and following hard inquiry. I have never given them rights to do so. Being XXXX XXXX am I am ashamed of that sort of businesses or or scams! I need them to remove all information and inquiries from all credit bureaus. Fix it as soon as possible!

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 2018-07-08 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: CA

Complaint narrative:
XXXX XXXX, requested unauthorized credit report and following hard inquiry. I have never given them rights to do so. Being XXXX XXXX am I am ashamed of that sort of businesses or or scams! I need them to remove all information and inquiries from all credit bureaus. Fix it as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, requested unauthorized credit report and following hard inquiry. I have never given them rights to do so. Being XXXX XXXX am I am ashamed of that sort of businesses or or scams! I need them to remove all information and inquiries from all credit bureaus. Fix it as soon as possible!

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 2018-07-08 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: GA

Complaint narrative:
I am sending you this message in regards to the errors that your company has listed on my credit file. I have contacted the creditors but I havent received any responses back as to how the errors were placed on my credit file. At this point I am fed up and Ive reached out to the creditors, bureaus, cfpb, ftc for the final time before taking legal actions. I have asked for the verification process as to what steps are taken to ensure that any error is for the consumer as to my avail no one Creditor responded nor did any of you credit bureaus. The following errors are inquiries and I am disputing the following erroneous items. 1 ). XXXX a. XXXX b. XXXX XXXX c. XXXX XXXX XXXX 2 ). XXXX  : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3. XXXX XXXX 3. XXXX : a. XXXX XXXX b. XXXX XXXX XXXX. I am dusputing the inquiries as an internal dispute which only takes no more than 3 business days. I am not aware of the inquiries. I have contacted the necessary parties. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all inquiries you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the inquiries listed below. Your failure to positively verify these erroneous inquiries has hurt my ability to obtain credit. Under the FCRA, unverified information must be removed permanently and immediately and if you are unable to provide me a copy of verifiable proof, you must remove the erroneous listed below. 

I demand the following inquiries be verified or removed immediately. XXXX a. XXXX b. XXXX XXXX c. XXXX XXXX XXXXXXXX 2 ). XXXX : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3.  XXXX XXXX 3. Experian : a. XXXX XXXX b. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-07-08 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: APEX Asset Management, LLC
State: NJ

Complaint narrative:
Company # 1 : XXXX XXXX XXXX XXXX XXXX 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : XXXX XXXX XXXX XXXX XXXX Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : Apex Asset Management Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : Apex Asset Management. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX Hard InquiryXXXX XX/XX/XXXX. XXXX XXXX. This is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Company # 1 : XXXX XXXX XXXX XXXX XXXX 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : XXXX XXXX XXXX XXXX XXXX Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : XXXX XXXX XXXX. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. This is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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 am sending you this message in regards to the errors that your company has listed on my credit file. I have contacted the creditors but I havent received any responses back as to how the errors were placed on my credit file. At this point I am fed up and Ive reached out to the creditors, bureaus, cfpb, ftc for the final time before taking legal actions. I have asked for the verification process as to what steps are taken to ensure that any error is for the consumer as to my avail no one Creditor responded nor did any of you credit bureaus. The following errors are inquiries and I am disputing the following erroneous items. 1 ). XXXX a. XXXX b. XXXX XXXX c. XXXXXXXX XXXX XXXXXXXX 2 ). EQUIFAX : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3. XXXX XXXX 3. XXXX  : a. XXXX XXXX b. XXXX XXXX XXXX. I am dusputing the inquiries as an internal dispute which only takes no more than 3 business days. I am not aware of the inquiries. I have contacted the necessary parties. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all inquiries you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the inquiries listed below. Your failure to positively verify these erroneous inquiries has hurt my ability to obtain credit. Under the FCRA, unverified information must be removed permanently and immediately and if you are unable to provide me a copy of verifiable proof, you must remove the erroneous listed below. 

I demand the following inquiries be verified or removed immediately. XXXX  a. XXXX b. XXXX XXXX c. XXXXXXXX XXXX XXXXXXXX 2 ). EQUIFAX : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3.  XXXX XXXX 3. XXXX : a. XXXX XXXX b. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: FL

Complaint narrative:
After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max. XXXX 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x EQUIFAX : 1.XXXX XXXX XXXX 2 . XXXX XXXX XXXX  : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I have been paying on my student loans since mid XX/XX/XXXXand my balance has increased due to misallocated payments. I was also steered toward forbearance around XX/XX/XXXXinstead of toward a payment plan. I now have - balance of over {$110000.00} in student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: TX

Complaint narrative:
XXXX XXXX XXXX keeps calling me after I have asked them to stop. They are informing me that they will dispute everything listed on my credit file and since most companies do not respond to their emails in time, it will remove all debt all hard inquiries from my account. I need to have someone assist me into this because consumers are able to dispute items on their credit report. If there is some information that is not available to the public I would love to know because it would assist me in getting a higher credit score.

Company response to consumer: Closed with explanation