vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Uber Technologies Inc.
State: CA

Complaint narrative:
I am a XXXX XXXX  who uses instant pay. There is a payroll card called Uber visa debit card partnered with XXXX. I am trying to open a new account and receive a new Uber visa debit card. But I am having trouble doing so. I tried contacting both parties but I am getting no help. XX/XX/XXXX I contacted XXXX XXXX because I wanted to reset my email and password, since it hadnt used the account since XX/XX/XXXX, I requested over the phone how to change email, and passwords. They gave me instructions to reset the information, but I found that my email address registered to the account was incorrect and I was instructed if I dont have access I would need to close the account and set up a new one. I had only .2 cents on that debit card since XX/XX/XXXX so I wasnt under my impression that anyone else wouldve or have been using the card. Because its been in my wallet since. But getting back to he subject. 

They told me since I had a balance on the card so there was nothing that they could do and since I was unable to reset passwords or the email because the information was forgotten and incorrect. 

XXXX XXXX suggested I close all accounts under my social security number XXXX. 

I closed the accounts that day, XX/XX/XXXX but I still had my debit card on hand so I could still be able to try, an access the website or try to reach a live operator but Unfortunately with the accounts being closed it made communication much more difficult and I was unable to resolve the problem. 

I was unable to verify my identity, through the closed account or my social, my birthdate or even my debit card number so ultimately resulting to no communication in a nutshell. 

Theyve blocked access from me troubleshooting the problem. And This is where the problem lies. Since I am a XXXX XXXX  my payroll is through the Uber visa debit card,  and I am not able to receive my instant pay benefits. 

I need to make sure that the account closed and it is processed and finished so I can reopen one and receive my pay, Uber cant do anything since theyre only supplying the card. 

XXXX XXXX needs to pick up the pace. 
I closed the account to open new account because my login information was incorrect and forgotten. And since I was instructed to close the account and go online and open a new one I followed that and no solution whatsoever. I was also told that I wouldnt have trouble setting up a new account, but Im unable to do that either since Ive tried and I get error codes saying I already have an account registered under my social which is the closed account. 

My question is why are the making it so difficult to contact them, troubleshoot the problem and set up the new account, whats the hold up, if I only closed and account to open a new one can someone explain whats so difficult about doing that?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: CA

Complaint narrative:
I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXXXXXX XXXX assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX   should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark

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 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXXXXXX XXXX assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX   should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: CA

Complaint narrative:
I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXXXXXX XXXX assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX   should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark

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 2018-08-22 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: TX

Complaint narrative:
The credit bureaus and XXXX XXXX alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : Experian reflects XXXX & XXXX  reflects XXXX. 
Experian reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
Experian reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet XXXX  reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, XXXX NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from my credit reports.

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 2018-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
The reason why I would like to file a complaint with your office is due to its relationship to my time in service. I had a direct deposit account that was established after being assigned to XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX  XXXX XXXX XXXX, which was located in XXXX, MD. Today, there are no records of having such an account neither in XXXX archives nor in my 201 personnel files. As well, I no longer have standard information in my civilian records. Unfortunately, this incidence would go unaddressed until XXXX. However, this letter represents my first official efforts to readdress it as a separate concern. 

Apparently, my personal bank account was deleted from the archives of XXXX XXXX XXXX XXXX now XXXX XXXX XXXX. XXXX XXXX XXXX XXXX investigated my concerns and found that no such account existed on record, neither on file nor in their archives. Later, as the new XXXX XXXX XXXX, the administration claims to have no records of my account, and refused to investigate my concerns further. I was told by the administration that, at times, such information often gets lost, particularly, when bank accounts are dated and abandoned. 

However, I contacted the XXXX XXXX and XXXX XXXX ( XXXX ) on the matter. I then requested a copy of my LES records. I was given an online account. Weeks later, my LES records were posted to my online account by XXXX. Records showed that I had an account at XXXX XXXX XXXX XXXX, at least, since XXXX. However, an administrator at the XXXX XXXX XXXX refused to address my concerns. I was then told to retain the legal aid of a lawyer. And, such efforts have been met to no avail. 

I believe the lost of my account is attributed to an alleged incident that occurred between XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX  and myself. This incidence occurred during the latter half of my last tour of duty ( XXXX ). 

Dates for lost account starts at XXXX through XXXX, but needs to be addressed starting from XXXX through XXXX, totaling approximately 47 thousand. I also deposited funds into my account from civilian employment, college rebate checks, et cetera. 

The problem was addressed via The Inspector General Office, XXXX XXXX XXXX XXXX, and directly with the credit union. 


PS : I do have a copy of my Master Payroll Account Records available through snail mail for your review. Or, it can be attained directly from 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 2018-08-22 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This Problem Goes back to a credit card with Chase Bank dated back to 2014 in which I had credit card protection to cover more than the Balance on due on the credit card.

Chase has a big Problem Honor Credit Card Protection. But they like removing from your accounts through auto withdrawals. after months and months of added interest and arguments and harressing phone calls frim Chase collection and destroyed credit, they finally sent me a check small one to cove hal the balance no the full balance. because it was interest they accrued alway argueing with me not resolving. Chase loves to sell the insurance polices back in the day and if you really do some home work Chase Bank has really hurt many people financially with these insurance policy. Chase sold then and claimed XXXX they had no Financial responsibilty for them when the money went through thier bank and distributed to  insurance company every 4 weeks, earning interest of every one else dollars. 

On XX/XX/2014, Chase was being very difficult I decided to take them on myself, I fiked a small claims action sc XXXX and the Judgment was found in my favor of Me including some legal fees and expenses, then hired an attorney to read the aggreement betewwn Chase and myself. The agreement would state that once received the money for the judgement frim J. P Morgan Chase Bank. that all the trade Lines ( credit lines ( XXXX, XXXX, & XXXX ) would be removed/ cleared that to the credit crds all social security numbers which were given to XXXX XXXX on XX/XX/2014 @ XXXX ) emailed XXXX. I have confirmation that XXXX XXXX to the credit Bureau, XXXX stated it would take 7 to 10days ( XX/XX/14 ) @ XXXX XXXX. and XXXX was going to verify this information. 

I went and vacated the Judgment against Chase Bank.. Today the Executive Office ( XXXX ) was rude with me regardig the XXXX application stating it was not my credit, it was a rude statement and it on all on my credit reports. from 2014 from Chase Bank and this is exactly it. which clearly states it is all to be removed and not to be on credit reports, or to be connected. 
the is what I am stating that Chase. is playing all t he time with people, they have the monolopy on the credit cards, so this has nothing to do with me my credit. this has to do with Chase Bank discriminating against me due to the fact they lost I won, which is actually., I paid for fully for emergency insurance. Chase Bank just does not like to Lose and money or interest, consumers work as hard too. If you believe in your heart your correct keep moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I've been attempting to have this debt removed from my credit history due to the collection company failure to show origin for the last six months. I personally contacted them on XX/XX/2018 and prior months before through XXXX XXXX. I requested a copy from the representative which she replied she would send almost two months ago and I haven't received as of yet. I asked why I never received any notice of this debit to which she replied a notice was sent to a XXXX XXXX which I haven't had in over 25 years. I gave her the address to send the bill to and also stated that if this was a medical bill I'm sure there was an address I stated when registering. She stated the bill was from XXXX Hospital Center. I went to the XXXX billing office and was told I had no fees owed to them. I relayed this info to the collection agency but their only response was to resubmit these bill to all three credit bureau agency as if they were new account for which I took a hit on my credit reports and believe that was there intention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX charged my credit card {$150.00} as a wire transfer which was not authorized. Capital one refuses to reverse these charges as a wire transfer when the purchase was a credit transaction. No signs posted or notified by XXXX that any transactions will be considered wire transfers. Now I am being charged monthly interest charges by capital one for this. Capital One offered to credit one months interest charge but I would continue to collect interest charges until the balance of my account is paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc
State: MA

Complaint narrative:
XXXX XXXX keeps calling my cell phone for another party, no idea how they rec 'd my phone number but its not even me they are calling for. I answered one time and told them to never call again but they keep calling. they just called me at XXXX on XX/XX/18 and left a voicemail making threats that if there isn't a return phone call there will be further action. I have an outgoing voicemail with my name so you think they would realize its not the person they are calling but they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hello, To whom it may concern The reason for this complaint today is I have incorrect information reporting on my credit report. I disputed the process three times. They still have failed to show me proof from the original creditor to report the information and no signed contract. I disputed this information XX/XX/2018 WITH EXPERIAN AND XXXX. I received a letter from Experian on XX/XX/2018 stating that they would look further into and investigate the information provided by me within 45days. I still haven't got a reply as of today 's date XX/XX/2018. It has been two months and more since i received the letter. I still haven't received anything from XXXX SINCE I MAILED THE LETTER OUT. They have went over and beyond 45days violating my consumer rights. I will ask for ALL the information that i disputed must be deleted immediately. If this information is not deleted in 15days i will file suit against these two bureaus. I have proof of USPS receipt as well as documentation of my disputes. Hopefully we can get this matter resolved with no further action.

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 2018-08-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, Equifax, XXXX, & XXXX  have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.XXXX  finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My employer does not offer direct deposit. Every month for years we are mailed paper checks. Recently the owner of the company I am employed, informed me I can cash my check at Bank of America the day I receive it and there would be no reason to wait until the post dated date. That is dated for document purposes only. The funds are available the minute the check is signed. 
This month, like many previous, I recieved my payroll check on XX/XX/2018, post dated for XX/XX/2018. I went into Bank of America, where the check is issued and drawn off of, but I am not a customer. Bank of America refused to cash the check due to postdated. My employer confirmed there was no notice on accounts to not cash post dated checks and they should cash the check as long as funds are available, which they are. 
After researching it, Wa State adopted the Uniform Code and all RCWs state there is no law stating they can not or should not cash my check. The same bank cashed the same payroll checks to other co workers that bank there with no issues. I simply expect to have the same treatment and want to ensure if it is not illegal to cash a post dated payroll check, then why I am being denied that service?

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 2018-08-22 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:
I have disputed with equifax several times. XXXX XXXX gave me this as proof that it is my account. 

This is not my signature or social security number so the investigations I have requested are not being done properly by equifax. I am demanding equifax do a proper investigation and have XXXX XXXX match ALL information and delete this file because they have not verified my account. 

This is a complaint to be filed with equifax for not doing a proper investigation. Equifax continues to say that the social security number matches up but it does not. 

... ... ... ... ... ... ... ... .. 

My information XXXX XXXX Date of birth. XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
An online FFEL CONSOLIDATED LOAN was done online without my knowledge in XX/XX/XXXX ... .with a company known as CHASE. This online CONSOLIDATED a parent plus loan that I thought was paid off in XXXX ... .need computer location address contacted Chase..discovered company now called XXXX  ... still told loan sold to XXXX and no information on how this consolidation occurred online ... twice the interest rate and like I paid nothing..and I paid quite a bit..parent plus ... and badness..internal revenue OFFSETS and wage garnish..on a loan I did not INITIATE NOR HAVE ANY INFORMATION BESIDES THE OFFSETS AND GARNISHES AND WRECKING MY CREDIT ... PLEASE HELP

Company response to consumer: Closed with explanation