vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I'm pretty disappointed and feel like I am being taken advantage of. Not to mention, what will happen to my credit score. 
Events : A few months ago, I opened an account during an XXXX purchase. Early XX/XX/XXXX, I asked my community which company provides credit accounts during an XXXX purchase. I made numerous phone calls, however, couldn't get through without an account number. My reason for contacting your company was because I hadn't received anything yet, not a card or a statement. At this time, I was told the fee would be waived and my card and statement would be sent by mail. Nearly a month later, on Wed., XX/XX/2021, I called again because I still hadn't received anything. Again, I was told the fees would be waived and the card and statement ( s ) would be sent by mail. Mon., XX/XX/2021 I received a card.XX/XX/XXXX, I received a letter which statements. I noticed the balance was high. Then I noticed the statement had a different account number than the last 4 digits listed on the paper that my card was attached to. So, I called again Wed., XX/XX/2021. I was told the credits would appear on my next statement, which is fine. Then, I was asked if I wanted to make a payment. I asked how much the minimum was because I wanted to compare with the statement/bill... The amount on the bill did not match what the gentleman told me. It was {$100.00} more than what was on the bill/statement, of {$77.00}. 
I tried to send this message on 3 separate occasions and both times a prompt appeared saying, " We couldn't send your message. Please try again later. '' At this point, I feel I can't trustyour company and am nervous about making a payment over the phone. I still have no clue what is going on. Most importantly, I do not want my credit to be affected. I'd like my account number, my original balance with a fair minimum payment, fees waived, as promised, legitimatestatements from the beginning, and a valid card. Matter of fact, honestly, you could even keep the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: SC

Complaint narrative:
XX/XX/2021, {$0.00}, XXXX has obtained my public information and sold it to Equifax, XXXX and XXXX. Equifax, XXXX, and XXXX state on their website that they obtain local, state, and federal courts info THROUGH a third party vendor, XXXX. Without my permission, XXXX purchased my information from XXXX and sold my information to Equifax, XXXX and XXXX. The United State Bankruptcy Court, XXXX XXXX of North Carolina Deputy Clerk mailed me a letter. I have attached the letter to prove that XXXX did not get MY background information from the federal court of North Carolina. The deputy clerk states in the letter that access to bankruptcy files are made through the XXXX system. I researched XXXX and went on the website. In order to get my public records I had to pay a fee. Which means XXXX had to purchase the information about me and sold it to all three credit companies. THIS IS A VIOLATION of the Fair Credit Reporting Act. Laws 15 U.S code 1681, 15 U.S code 1681b, EQUIFAX, XXXX, and XXXX clearly violated these laws, 15 U.S code 1681m. I was never notified Orally, in writing or by electronic NOTICE of the adverse action to my consumer credit reports. Another law they have violated is 15 U.S code 1681c-2, 15 U.S code 1681b. I have disputed this twice with each agency and it came back verified! This is another violation of 15 U.S code 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed a fraudulent ATM withdrawal on XX/XX/2021, for {$86.00} plus a {$2.00} non-wells fargo transaction fee dated XX/XX/2021. 

I submitted a claim and my claim was denied. I called Wells Fargo and the only thing they could tell me that they did a thorough investigation, but they would not disclose how they investigated. 

I have never been to the address where the ATM is located, so it is not possible that I made this transaction.

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 2021-11-06 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: TN

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts thats are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2021-11-06 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: TN

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts thats are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: PA

Complaint narrative:
I received a debit card from XXXX, issued by XXXXXXXX XXXX It's a business debit card and I do not own a business, nor did I apply for it. I believe that someone opened this account with my name and address, possibly also using my SS number. I already had my identity stolen earlier this year when someone applied for unemployment benefits in my name. From what Square Compliance customer service has told me, the card is prepaid so nothing will affect me. For privacy reasons they won't confirm any other details, but they've assured me that they will close the account and investigate. They mentioned reporting the incident but I doubt if local police could do anything so I'm reporting it here. I still have the debit card but have not used it or activated it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID

Complaint narrative:
Select Portfolio Servicing ( XXXX : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) purchased my home loan in XX/XX/. After purchase I received a letter in the mail stating I needed flood insurance. I live in the mountains, I've never needed flood insurance, FEMA website states I don't need flood insurance, and I forwarded all the documents to the lender showing I don't need flood insurance. I also contacted the ombudsman for the company to help me and emailed the ombudsman the documents showing I don't need flood insurance. I contacted my prior lender and my insurance agent who provided me with the certificate showing I don't need flood insurance. I attached the documents proving I don't need flood insurance to my lender website spservicingXXXX on XXXX XXXX  and XX/XX/ and the lender charged my account {$210.00} for flood insurance in XXXX XXXX XXXX XXXX and XXXX XXXX 
They won't call me back or acknowledge the FEMA no flood zone proof. I can't afford another {$210.00} in fraudulent flood insurance fees. I'm extremely frustrated and need help resolving this issue. I've also found reviews online for SPS servicing with claims like mine that state they fraudulently charged customers who's loans they purchased for insurance they don't need. 
Please help me! 
XXXX XXXX email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I got a call one day saying my account was being closed due to fraud but these numbers on my account dont come from me. I never once was in texas or XXXX XXXX and now i cant open a new account because of this. 

The issue is with Bank of America ACH XX/XX/2019 XXXX {$1500.00} XXXX XXXX Check XX/XX/2019 XXXX XXXX {$13000.00} Bank of America Texas Check XX/XX/2019 XXXX XXXX {$13000.00} XXXX XXXX XXXX Check XX/XX/2019 XXXX XXXX {$1200.00} Bank of America Texas Check XX/XX/2019 XXXX XXXX {$2000.00} XXXX XXXX XXXX Check XX/XX/2019 XXXX XXXX {$1200.00} XXXX XXXX XXXX Check XX/XX/2019 XXXX XXXX {$2000.00} Bank of America Texas

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 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NJ

Complaint narrative:
This acima credit company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem. bill. 
I need proof that this account is mine, they used my false documents to open that account for someone, damaging my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery makes numerous harassing phone calls to me about a debt that is past the statute of limitations in WA state, the debt is over XXXX yrs old and is no longer recoverable. 
I have informed them of this and asked them to please stop calling me, and they will not stop, and call my number sometimes several times a day. 
I am also XXXX and these harassing phone calls meant to intimidate me are affecting my mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: OK

Complaint narrative:
A few years ago I became aware none of the 3 major credit reporting companies show my XXXX XXXX XXXX XXXX XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this gasoline credit card account since the 1980 's and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that XXXX XXXX is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them 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 2021-11-06 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: OK

Complaint narrative:
A few years ago I became aware none of the 3 major credit reporting companies show my XXXX XXXX XXXX XXXX XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this gasoline credit card account since the XX/XX/XXXX and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that XXXX XXXX is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
A few years ago I became aware none of the 3 major credit reporting companies show my XXXX XXXX XXXX XXXX XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this gasoline credit card account since the XX/XX/XXXX and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that XXXX XXXX is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them 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 non-monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This transaction happened XX/XX/21. I was in the process of moving and couldn't take some of my furniture with me but an acquaintance suggested they will buy it off of me and we decided to do {$10000.00} for the multiple pieces of furniture ( sofas and a few bed sets ) that were going to be left behind. I agreed and said we should do the transaction through paypal since it is safe for us and I keyed in their card information so the transactions goes through and I understand it is safe for both of us to do it as for goods in case of any issues in the future so I understood there would be a fee paypal would take. They right away suspended my account and I refunded them their money since paypal was being hard to work with. I got an email from paypal to submit proof and since this deal is happening in person with someone I knew, I tried the best to explain the situation with paypal. On XX/XX/21, I got an email from Paypal saying I can no longer do business with PayPal and that my account is permanently limited but this doesn't make sense at all. I even had a few dollars in my account sitting. I contacted paypal again to push this issue to a higher up and was told someone will contact me within 48 business hours. It is now XX/XX/XXXX and no one has ever contacted me from Paypal and my account is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Here again with yet another account that is closed and was paid in full, but XXXX has just reported that in XX/XX/2021, the account is 60 days late. This account was closed and paid in full in XX/XX/2021. This account should no longer be receiving any updated information. Its CLOSED!!! Please correct this erroneous error immediately. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please respond to my complaint. I am authorizing that I am XXXX XXXX XXXX. Please do not mark this as a duplicate. I sent XXXX, XXXX and Transunion a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries and the method of verification to be sent to me. I have attached the FTC ID Theft Report & proof of service. The FTC ID is # XXXX. 
As of today XX/XX/2021, I have not received any proof of validation or any written Method Of XXXX from XXXX. I have fully investigated my rights in this matter. This is in violation of my consumer rights under Section 611 ( 6 ) ( a ) of the FCRA, which states that a consumer reporting agency shall provide written notice to the consumer of the results of the reinvestigation no later than 5 days after the completed reinvestigation. It also violates my rights under Section 611 ( 7 ) of the FCRA that states a description of the reinvestigation procedure shall be provided no later than 15 days after receiving a request from the consumer.

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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please respond to my complaint. I am authorizing that I am XXXX XXXX XXXX. Please do not mark this as a duplicate. I sent XXXX, Equifax and XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries and the method of verification to be sent to me. I have attached the FTC ID Theft Report & proof of service. The FTC ID is # XXXX. 
As of today XX/XX/2021, I have not received any proof of validation or any written Method Of Verification from XXXX. I have fully investigated my rights in this matter. This is in violation of my consumer rights under Section 611 ( 6 ) ( a ) of the FCRA, which states that a consumer reporting agency shall provide written notice to the consumer of the results of the reinvestigation no later than 5 days after the completed reinvestigation. It also violates my rights under Section 611 ( 7 ) of the FCRA that states a description of the reinvestigation procedure shall be provided no later than 15 days after receiving a request from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Im unable to attain my Equifax credit score and report via myequifax.com and XXXX XXXX. I would like this issue resolved

Company response to consumer: Closed with explanation