vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2020, I deposited a check for {$4300.00} at my ( Chase ) bank 's ATM. I normally would have taken a check that size into the bank branch but we are supposed to be practicing " social distancing '' due to the coronavirus pandemic. Since I have never bounced a check or overdrafted my account AND the same person had written me a check 10 days before that had cleared - I assumed that there would be no problem. I was notified that a hold would be put on the check until XX/XX/XXXX. The check was from an account at a local bank. 
On XX/XX/XXXX, I was notified that the check was on hold until XX/XX/XXXX. 
I contacted the client who had written the check to see if the check had cleared her bank. 
She confirmed that the check had cleared and the funds had been withdrawn from her account on XX/XX/XXXX. 
I called Chase Bank on the morning of XX/XX/XXXX. I was put on hold for over an hour. 
When I finally spoke to a customer service representative, I was told to go to my local Chase branch to sort it out. However, I live in Michigan and the Governor had just issued lock down orders for the entire state so my bank branch was closed. I explained this. I explained that the funds had already been released to Chase by the local bank from which the check had been written. Chase had the full {$4300.00}. 
I was told that Chase was holding the funds for a " secondary review ''. The representative refused to explain why. I was told that I would not get my money until the following week. 
That leaves me with {$140.00} to pay my bills and buy food for the foreseeable future - I am not confident that the money will be released at all at this point since there was no reason to extend the hold order in the first place. 
Let me repeat : the check had already cleared the other bank and Chase was in possession of the funds with no reason given as to why I could not access the money other than some vague reference to a " secondary review ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
NET CREDIT continues to report my account late as 30 days ( XXXX ) Account was pain in full in XX/XX/2020 account was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In XX/XX/XXXX, I was notified by XXXX via email that an account in my name was late on payment. After receiving this email, I logged into my XXXX account and saw that I had an account with a balance of approximately {$3000.00}. The account was listed as SYNCB. I immediately called Synchrony Bank advising them of the situation. They stated I did not have to do anything else at this point. 

On XX/XX/XXXX, I contacted Synchrony Bank to check on the status of their investigation. They stated that I now needed to file a report. I immediately went to IdentityTheft.gov and filed a report ( report number XXXX ) with the Federal Trade Commission. Afterwards, I called back and provided the report number. They stated I do not need to do anything else at this time. 

On XX/XX/XXXX, I called Synchrony Bank again for an update. They told me that my claim was rejected and that I needed to file a police report now. On XX/XX/XXXX, I went to my local police department and filed a police report ( report number XXXX ) for identity theft at the XXXX   XXXX Police Department. 

I am highly upset about this whole situation because Synchrony Bank have not been helpful with me throughout this stressful process. I called and advised them that I was a victim of identity theft. They denied my claims without explaining why. They did not reach out to me throughout this investigation. I was the one who had to reached out to them by phone for all three interactions. They kept advising me that I did not need to do anything else until I called them back for an update on the investigation. If there was really an issue found during the investigation, they should have contacted me via phone to ask for additional information or paperwork but they did not. I had to reach out to them every single time to ask why my claims was rejected when they stated I did not need to do anything else at the time.

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 2020-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a paying customer with TRANSUNION my problem is most of the time I refresh my report is gets disconnected stating technical difficulties also the dispute website never works. I have disputed the inaccurate inquiries in my account and transition stated that its not their responsibilities to investigate.

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 2020-03-24 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: ProCollect, Inc.
State: MO

Complaint narrative:
Pro Collect is attempting to collect on a debt I do not owe. I had no idea this debt was on my credit file until I checked my credit. However I immediately paid the debt as soon as I found out. I believe Pro Collect is in my violation of my 30 day right to dispute & feel that account needs to be removed.

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 2020-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX continues to report my account late as 30 days ( TRANSUNION ) Account was pain in full in XX/XX/2020 account was never late.

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 2020-03-24 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: NY

Complaint narrative:
Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 



1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balnce XXXX Reporting on : XXXX  XXXX and Transunion. I was NEVER late on this account please remove this negative information from my credit report 2. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Reporting on : XXXX  and Transunion. I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and Transunion. I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done 4. Account Name : Unknown Collection Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, XXXX, Trans Union I have no financial obligation with your company please delete this information from all credit reports 5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Transunion and XXXX  I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done. 


5. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Transunion, XXXX  and XXXX. I have no financial obligation with your company please delete this information from all credit reports. 


5. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  I have no financial obligation with your company please delete this information from all credit reports like XXXX and Tranunion have done, for thsi account is and never has been mine

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 2020-03-24 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: NY

Complaint narrative:
Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 



1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balnce XXXX Reporting on : Equifax XXXX and XXXX. I was NEVER late on this account please remove this negative information from my credit report 2. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Reporting on : XXXX and XXXX. I have no financial obligation with your company please delete this information from all credit reports like Equifax has done 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and XXXX. I have no financial obligation with your company please delete this information from all credit reports like Equifax has done 4. Account Name : Unknown Collection Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, Equifax, XXXX XXXX I have no financial obligation with your company please delete this information from all credit reports 5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and XXXX  I have no financial obligation with your company please delete this information from all credit reports like Equifax has done. 


5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, Equifax and XXXX. I have no financial obligation with your company please delete this information from all credit reports.

5. Account Name : XXXX XXXX LP Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  I have no financial obligation with your company please delete this information from all credit reports like Equifax and XXXX have done, for thsi account is and never has been mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am trying to get the PMI removed from my mortgage. I have confirmed with Wells Fargo that my LTV is 77 %. However, they are stating that because it originated as an investment property they will not drop the PMI until it reaches a 65 % LTV. No where in any of the original closing documents was this explained to me. They have admitted that no PMI disclosure was signed at closing. The only thing they can reference is a few generic paragraphs within the deed of trust that we signed about PMI. Within that document it does not state the terms of the PMI. They are stating that since it is an investment property it is not protected under the Homeowners Protection Act which would mandate that the PMI be dropped at this point. I have been paying this for 10 years and I have never missed a payment. This is a deceptive and unfair practice on their behalf. I want the PMI dropped from the loan. Prior complaint number 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 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
on XX/XX/XXXX my identity was stolen for electrity from XXXX XXXX and I file a police report. I have attach the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I have disputed this debt with Transworld Systems multiple times dating back to XX/XX/2019 and the company has not received correspondence from the residential community claiming I owe this balance. They have been given more than enough time to prove I owe this debt and I have received no response. The account remains on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I opened an account with Coinbase on XX/XX/2020 and there were UNAUTHORIZED transactions that were done in my account that was just opened. 

I have emailed the company over 15 times and they only send a general email back stating they will look into the issue. I have repeatedly called the company over 20 times as well to complain about the fraudulent transactions. 

They debited my checking account at XXXX  XXXX XXXX in the amount of {$6000.00} and I have asked the Legal Department and Fraud Department of XXXX  XXXX XXXX to reverse these unauthorized ACH debits. 

Coinbase has sent phony documents to XXXX XXXX XXXX trying to stop them from reversing the {$6000.00} of unauthorized debits. I have been in touch with the head General Counsel of XXXX  XXXX XXXX and they have been in touch with the FBI. 

I have done everything possible to protect my interests and this alleged criminal behavior needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2015 CHAPTER XXXX DISCHARGED XXXX $ FILED POLICE REPORT AND FTC REPORT STII SHOWING N PUBLIC RECORD I AM A VICTIM OF IDENITY FRAUD OTHER ITEMS WHERE REMOVED EXCEPT PUBLIC RECORD WOULD LIKE REMOVED AND BLOCKED THIS ACCOUNT IS SHOWING ON ALL THREE CREDIT BUEARUS XXXX/EQUIFAX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: MO

Complaint narrative:
XXXX XXXX is attempting to collect on a debt I do not owe. I had no idea this debt was on my credit file until I checked my credit. However I immediately paid the debt as soon as I found out. I believe XXXX XXXX is in my violation of my 30 day right to dispute & feel that account needs to be removed.

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 2020-03-24 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: MO

Complaint narrative:
XXXX XXXX  is attempting to collect on a debt I do not owe. I had no idea this debt was on my credit file until I checked my credit. However I immediately paid the debt as soon as I found out. I believe XXXX XXXX is in my violation of my 30 day right to dispute & feel that account needs to be removed.

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 2020-03-24 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: Trident Asset Management, L.L.C.
State: MN

Complaint narrative:
Trident Asset Management placed a collection account on my credit reports. The original account holder was XXXX Credit Card. XXXX  placed my account with another agency and I have paid it and it is scheduled for deletion from my credit reports. The collection agency, XXXX XXXX phone number XXXX. Trident placed this account on my credit reports on XX/XX/2020 in the amount of XXXX acct # XXXX and updated again on my credit report on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have tried to contact Sears office, and they ignore me and put me on hold, then the phone hung up. I have a Sears Citibank Credit Card, and I made a purchase on a Promotional balance putting over {$2000.00} on my credit card in XX/XX/XXXX ; however, I requested a refund back on my credit card for the entire purchase from the merchant in the same month the purchase was made. The merchant refunded all of the money back to my credit card. I called Sears Credit Card and spoke with a man and he told me since the purchase was refunded, I should not incur interest charged because I was refunded the credit. He also stated that the promotional balance was only for purchases made, and mine was refunded. Now, in XX/XX/XXXX, I am unlawfully being charged " INTEREST CHARGE ON PURCHASES {$800.00} '' for purchase that was returned and refunded back to me in XX/XX/XXXX. This is unlawful and unfair of this merchant to do this. I even sent a secure message to them and they have ignored. I should be refunded the full amount of the interest for the Purchase that was returned in the same month it was purchased in XX/XX/XXXX. 

See Statements Attached.

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 2020-03-24 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: TX

Complaint narrative:
all FTC violations been filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dispute is below laws they broke attached The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Although I know the person they are trying to contact, I have told them its the wrong # and its not me.and to stop calling my phone.they wait a few days then start over, I explained to them my name & threatened to report them if they don't stop and they still won't stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 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: ONEMAIN FINANCE CORPORATION
State: NJ

Complaint narrative:
ONEMAIN appear on my XXXX credit report as hard inquiries, I have disputed many times this hard inquiry via XXXX  and also directly by calling this company but every time XXXX and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS OR OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY AS THE FCDPA SECTION 604, 609 AND 611 DEMANDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received my XXXX statement and paid the balance in full well before the due date. However, on my subsequent XXXX bill, I was charged full interest on the balance. I paid off the full balance well within the 21 day grace period, meaning it is illegal to charge interest on the balance.

Company response to consumer: Closed with monetary relief