vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AP

Complaint narrative:
I am living in XXXX on XXXX XXXX XXXX as a XXXX XXXX working for XXXX XXXX XXXX XXXX XXXX ( XXXX ). There are no Chase Banks here on base ; only XXXX XXXX XXXX XXXX and XXXX XXXX. I needed to purchase a cashier 's check in the amount of {$27000.00} oddly enough to pay off my debt. I called Chase Bank on XX/XX/XXXX CONUS time which was my XX/XX/XXXX. I asked the call center rep if Chase could authorize an increase in my debit card purchase limit so I can purchase the cashier 's check. After being transferred to several people I reached a higher tier technician that was able to increase my debit card limit for 1 business. I specifically asked the gentleman if there will be any commensurate fees associated with my purchase and he stated that there will not be ; knowing I was going through XXXX  for the check.

I logged into my Chase Bank account today and saw my balance as being -XXXX. Chase charged me 2 non-ATM cash fees of {$410.00} each totaling {$820.00} on XX/XX/XXXX. Needless to say I was horrified!

I called Chase immediately and spoke to 3 people ; the last being a manager named 'XXXX  '. She stated that when I opened my account with Chase close to 20 years ago I signed a memo that states if I use a non-Chase ATM, I would be charged. That is specifically why I asked the technician on XX/XX/XXXX if there would be any associated fees and once again, he said no. The most XXXX   could do was courtesy waive {$34.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have written several disputes and verification letters to XXXX XXXX amd XXXX XXXX  asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8 for a collection amount of XXXX. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with both parties. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: CORELOGIC INC
State: NC

Complaint narrative:
I did not authorize credco to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX and XXXX and XXXX attachment is my police report for fraud

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 2018-05-18 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: Credit Plus Inc
State: NC

Complaint narrative:
I did not authorize XXXX to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX and XXXX  and XXXX  attachment is my police report for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: Credit Technology, Inc.
State: NC

Complaint narrative:
I did not authorize XXXX to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX  and XXXX and XXXX attachment is my police report for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
My credit report have these inquiries that are unknown I did not give this company permission to run my credit I did not apply for no mortgage loan

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: FACTUAL DATA CORP.
State: NC

Complaint narrative:
My credit report have these inquiries that are unknown I did not give this company permission to run my credit I did not apply for no mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: Credit Technologies, Inc.
State: NC

Complaint narrative:
My credit report have these inquiries that are unknown I did not give this company permission to run my credit I did not apply for no mortgage loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: Innovis
State: NC

Complaint narrative:
XXXX XXXX keep pulling my credit without my authorization I did not give this company permission to pull my credit I am not in the market to purchase a home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
We have found ourselves in a unfair mortgage that adds interest on the back of the loan. We owe more than the property is worth. We have recently been sent a city assessment that is XXXX less than the loan. We went to our local BOA loan officer and told him we wanted to refinance the loan with the current worth of the property. He said we needed to contact the bureau and contact the Attorney General 's office in order to refinance. We are asking for a loan modification with this property. We have paid Bank of America for 10 years and we owe more now than when we started further more the market has reset the worth of the property with a THREE year assessment that is XXXX LESS than our loan. We need immediate action on this loan. We have been excellent payers and have NOT been late on our payments but when this adjustable loan resets with current figures we will NOT be able to make the payments. Bank of America has made us go this route instead of helping us rest the loan to the real value of the property!

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 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A medical collection was added to my account. I never received a bill in regards to this. Also this violates HIPA. I contacted the collection agency and they stated that this would be removed and credit bureaus have failed to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A medical collection was added to my account. I never received a bill in regards to this. Also this violates HIPA. I contacted the collection agency and they stated that this would be removed and credit bureaus have failed to remove this.

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 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: KY

Complaint narrative:
Received a letter Dated XX/XX/18 stating owed XXXX to XXXX XXXX via XXXX XXXX XXXX. Received numerous phone calls trying to acknowledge debt. NO CONTRACT ON FILE stating obligation to owe or NO SIGNED CONTRACT and NOT AWARE OF DEBT stated to be collected. I am NOT the owner of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: I.C. System, Inc.
State: FL

Complaint narrative:
When checking my annual credit report ( for the first time ) I seen 2 collections on my report for services I did not authorize. 
I filed a complaint with XXXX  regarding the following : Report Number : XXXX Date Generated Results : XX/XX/XXXX I C SYSTEM INC Account XXXX Many years ago I had my identity used by a former roommate. After I had moved out of an apartment we were sharing, I found out later, he had put the utilities and cable in my name. 

How I believe he took my information was we had went to the movies and after the show, I couldn't find my wallet. I thought someone pick-pocketed me, and stole it. I didn't have any credit cards ( I was just out of college ) or even a checking account, so I wasn't concerned at the time. 

Move forward months later, HIS dog, a golden retriever, was playing with something chewed up, and when I pulled it from her mouth, it was MY wallet. So I confronted my roommate, and he denied ever seeing it and accused ME of misplacing it. I brought up that I had paid for the movies that night the wallet came up missing with money from MY wallet, and how would I be of possession of something we both clearly looked for and alerted the movie manager. 

Needless to say, I moved and relocated closer to my family here in XXXX. 

Now that I found that he put the two accounts in my name, and left them in a delinquent status, I am once again being used by my former roommate. 

I tried to remove both these accounts, and the one listed above is the first one back with a [ denial ] response. 

Also what amplifies this matter is that the company above, in lieu of using the initial dates as previously reported, they moved the date of negative payment to THIS year. Is that legal? I'm sure if I didn't make an attempt to remove this, the charge would have fallen off soon, because I haven't lived in XXXX XXXX XXXX, Florida since XX/XX/XXXX. 

What, if anything, can you do to help me with this situation? 

Please advise. 
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 explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
1. On Friday, XX/XX/XXXX I used my Bank of America credit card to make a payment to XXXX XXXX Programs ( merchant ) in the amount of {$1200.00}. 
2. I am charged daily interest on this card for any purchases made over the amount of balance transfer. However, my agreement with Bank of America states that if I make a payment it will first be applied to any purchases that exist over my balance transfer amount. 
3. On Monday, XX/XX/XXXX I received a receipt/confirmation from the merchant XXXX XXXX XXXX that my credit card payment was complete. 
4. On Tuesday, XX/XX/XXXX I made a payment to my Bank of America card in the amount of {$1300.00}. 
5. Bank of America has a transaction date for the XXXX XXXX XXXX charge of XX/XX/XXXX,  however has a posting date for this transaction of XX/XX/XXXX, and therefore did not apply my {$1300.00} payment to the new purchase/transaction of {$1200.00}. The {$1300.00} payment was made after the transaction date of XX/XX/XXXX and therefore should have applied however wasn't. I am concerned that Bank of America has inappropriately ordered the transaction vs. posting vs. payment to cause me to have to pay a daily interest charge on the {$1200.00}.

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 monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RFNA, LP
State: GA

Complaint narrative:
I have contacted XXXX XXXX and they are unable to locate my file however ; they are reporting to the CRA 's. I believe that this account is the result of identity theft. I also believe that they are trying to request my current identification in order to use my current information to continue to validate their claims. I have filled a dispute 3 times and they are asserting that I need to provide authentication documents however ; they are not able to provide any information related to this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have tried contacting this company by information provided and have yet to reach anyone or have anyone contact me back regarding closed accounts on my credit report concerning Navient XXXX XXXX XXXX XXXX, PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
in late XX/XX/XXXX, my mortgage company Ocwen, offered to modify my mortgage so that I would not lose my house. During the process, the representative advised me not to pay my current monthly bill until the modification was completed. I did as advised and withheld payment until the modification was accepted and complete, but then noticed on my credit report that they were reporting me 60 and 90 days late for the time period that the representative told me not to pay. 
I have contacted Ocwen, and requested that they change those 2 months ( XX/XX/XXXX and XX/XX/XXXX ) to " no report '' instead of late, as it was their representative who advised me to be late.. They refuse to help. 

Unfortunately, the conversations with the representative were only verbal. I don't have dates or the person I spoke to as it was 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid off an account in full in XX/XX/XXXX and it is still not updated with a XXXX  balance and stated closed. I have disputed this account several times also since. No outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
During the week of XX/XX/XXXX. I attempted to gain access to my credit file and was unable.

After a week of requesting to unlock, unblock, and unfreeze my account. Per Equifax they combined the Fraud credit file and my True credit file together so I could gain access to my credit file.

On XX/XX/XXXX I noticed that the Items Equifax removed in XX/XX/XXXX was put back on my credit file and also New account Ive never seen on my credit file before.

I contacted Equifax CRA department on XX/XX/XXXX and they stated it would take up to 30 days to dispute the items they deleted and the new items they combined with my True credit report ; that was on a second credit report due the ID theft.

Items Equifax verified as not mines and/or fraud, was deleted on my credit report has re-a paired on it ; without No prior written notice to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Not sure if this is where I would report it but I was told id get help with a secure credit building credit card with a minimum low but they said there is no card available to me but when speaking to a person they said they would send me info and start helping me rebuild my credit but again nothing yet??

I've tried to contact them several times but no help.

Not sure if they are taking advantage of me..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid off an account in full in XX/XX/XXXX and it is still not updated with a XXXX balance and stated closed. I have disputed this account several times also since. No outcome

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 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid off an account in full in XX/XX/XXXX and it is still not updated with a XXXX balance and stated closed. I have disputed this account several times also since. No outcome

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 2018-05-18 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: Coinbase, Inc.

Complaint narrative:
On XX/XX/2017 i got an Email from XXXX that my Account is blocked due a violation of Terms of Service. I don't know what I made wrong but i accept their decision of Account closure. 

My Account is blocked now since XX/XX/XXXX and since then i try to get in contact with the support to verify my Bank Account do withdraw the Rest of my -Funds from my Account that the Account closure can be finished. 

The Problem is, that the Coinbase Support Team only sends standard answers like " We will look with expert and try to solve the problem ... '' After the standard answers there come no advises or help from their side. 

I accept the decision of closing my Account and only want to withdraw my funds on my Account to follow up with the Account closing. 

When i login to Coinbase i only have Access to one Page where i can fill in a Bitcoin oder ETH adress to send coins to. ( Have no BTC or ETH on my Account ) Next Option is to choose bank Account to withdraw the funds, but i can choose no bank Account because i cashed in by Creditcard. 

Please help me to find a solution with Coinbase to get the Rest of my Money and that my Account can be closed afterwards. 


Since XX/XX/2017 i only get the same standard answers or no answers! 
They sometimes sent me some links with a how to deposit and so on. 
But when i try to open this links i always get referred to the site " Account is in closure progress '' and only have the chance to choose where to send my funds. 

My only problem is that i cant choose a verified bank Account, and i get no answer how to verify. I only need a way to get my money back, doesn't matter for me if with verification or another way. 

Hope u can help me to finish this Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: KS

Complaint narrative:
In XX/XX/XXXX XXXX reported a fraudulent debt to my credit, I submitted a fraud statement and the debt was removed.

XX/XX/XXXX XXXX notified me SW Credit reported a Collection account with the original creditor being XXXX with an open date of XX/XX/XXXX. This debt is fraudulent and should not had been bought nor reported to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified Barclays Bank of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. An official dispute of this was mailed to Barclays Bank XX/XX/XXXX however as of this date Barclay has failed to provide an update or resolution of the investigation. This is a violation of the FCRA and my clients consumer rights.

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