vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2021, I had initiated an online bank transfer from Chase Bank ( Savings account ) to XXXX Online Bank for the amount of {$15000.00}. My fianc and i had just created a joint savings account through XXXX bank and had linked both his bank ( XXXX XXXX XXXX ) and my bank ( Chase ) through HIS profile. 

After two business days, the {$15000.00} had been pulled out of the Chase savings account, but ended up being rejected by XXXX ( rejected transfer ). I got an email from XXXX saying so and to call Chase about this issue. I wanted to find out the reason for the issue, so after a call to XXXX, they said that even though we had a joint account, we still needed to have our own SEPARATE online profiles. Our account was temporarily suspended ( security purposes ) until we created the new profile. I created a new profile for myself and the suspension was lifted and I then was able to link my Chase Savings account successfully. However, the {$15000.00} that was pulled out of my Chase account initially was still never returned to me. The money was neither in XXXX or Chase. 

XXXX bank said that since they rejected the transfer, they had pushed the funds back to Chase ( sender ). 
When we called Chase, their claims department said they can not do anything and should contact XXXX ( recipient ). 

After going back and forth between calling these banks, we decided to put both banks on a conference call ( XX/XX/XXXX ). The account manager ( XXXX ) from XXXX bank asked Chase to use an ACH return code : XXXX to do a manual recall of the funds to the appropriate account, and after explaining that the transfer was rejected, Chase said that this situation does not fit ANY of the scenarios they had in the system. Chase apparently had never been through this situation so did not know how to respond, and they could NOT do a manual XXXX recall. After staying on the phone for over two hours and being transferred to numerous departments, Chase again said that XXXX ( being the recipient ) must do something on their end. The manager at XXXX said that she would escalate this situation to upper management. On XX/XX/XXXX, she called me and basically said the same thing I've been hearing for a month : " unfortunately, there is nothing on our end that we can do and you need to resolve this with Chase bank. Tell them to issue an XXXX recall. '' -I went to a Chase branch in person multiple times and told them about the problem i was having and they had me fill out an ACH claim form. A week later i had received a letter from XXXX stating that the situation was resolved and no further action was needed, even though nothing had been done. 

It has been over a month now and I would like to escalate this situation as far as I can in order to get my money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
FAIR COLLECTIONS AND OUTSOURCE is in violation of the FDCPA and FCRA after multiple attempts for them not removing the false account. I will seek litigation if this false account is not removed. See attached PDF.

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 2021-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial is reporting inaccurate information on my credit report for all three credit bureaus XXXX, XXXX  and XXXX. The company is reporting different dates and account information and balance to all three credit bureaus. I have been trying to get them to help me with this situation since XX/XX/2020 no one has gotten back to me and all they keep putting on letters they send is " information updated or valid. '' Every time I ask them for paper work they never respond. This is unprofessional and unacceptable. I also submitted a complaint with them 3 times already and they keep saying my name XXXX XXXX is not an authorized user to ask for info which makes 0 sense because why are they reporting this now fraudualant account on my credit report? Three things are wrong here ... this car was my fathers who passed away, 2. this car I know my father had with GAP insurance so there is no way he still owed the money and 3. They are reporting inaccurate information for years. Ive given you guys ample time prior to filing this complaint. Im sure you can imagine what Im going through since the loss of my father. I am trying to move forward but can not due to this negative factor. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my identity XXXX subscription I get monthly prooving the difference. Update at once, Ive also reached out to a fcra lawyer since you guys have leaved me pretty much no choice. 

They are also reporting a past due amount on this closed account which is illegal and goes against FCRA. I have attached a screenshot of my report to prove it.

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 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gravamen Asset Management Group LLC
State: NY

Complaint narrative:
A family member received a call asking for me, but by my maiden name that I no longer use. My family asked who they were speaking with, but they would not identify themselves. They only provided a phone number with a docket number to call back. When I received the message I called the number and was transferred to a civil litigation department and spoke to someone named XXXX XXXX. He informed me that I had litigation again for a debt from XXXX Bank. I informed him that the information he had was not valid and he proceeded to tell me I was lying. He told me that he was going to sue me, garnish my wages, and take my tax return and stimulus check from me. I told him he was threatening me and it was illegal. He then told me he didn't need to talk to me anymore and hung up the phone. I called back and spoke with his supervisor XXXX XXXX who told me that he would speak to him and apologized for his behavior. I called back again to confirm the company name, and the person who picked up the phone refused to provide the company name and hung up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a dispute with capital one over 30 days ago .I informed capital one that I am disputing their claim.moreover I requested that capital one supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal capital one never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally capital one failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I consistently check my report. I notified Ally Financial due to it showing I was late for XXXX 's payment when it was made timely. I contacted them and was told XXXX 's payment had been missed as I have never missed a payment on this loan since I acquired the loan. I had a lot of things going on within my family when this mistake occurred. I resolved this issue immediately and made sure to make a payment and set up a deferment plan for one month in which I was told to make a payment in XXXX for an amount given which was done timely per the below agreement. 

Ally Auto Alert Ally Hello, XXXX XXXX XXXX We've got a new document ready for you to sign. 
Your document is waiting for your electronic signature. Log in before the expiration date to review to electronically sign : Retail FFP Extension Agreement Expires : XX/XX/XXXX If you don't sign your document before the expiration date, your due date won't be extended. 


Questions? Call us at XXXX Available Mon Fri, XXXX XXXX  XXXX XXXX  ET Saturday XXXX XXXX  XXXX XXXX  ET Closed Sunday Access Ally Auto Online Services at allyauto.com I checked my report after the deferment was paid and meet and completed. I saw there was two negative late payments shown for XXXX and XXXX when payments were made on XX/XX/XXXX for {$290.00} and XX/XX/XXXX which is under 30 days and I received a negative report of late payment for both months. I have made a dispute through XXXX  and this was not fixed or removed to show I was on time for the payments made. I tried to dispute this on another occurrence and was told that I could not dispute the same thing more than once. 

Please see what can be done for this to be corrected. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are multiple accounts on my credit report that are not mine I dont know how they appeared on my credit report and why they are still there since XX/XX/XXXX and the bureaus are not responding back or answering back to me. I need these off my creit report. 

XXXX XXXX - Acct # XXXX Amt $ - XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$9700.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} INQUIRIES XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
XX/XX/2020. I received notice that Myfedloan.org would be taking over my loan for my son 's college tuition from Mycornerstoneloan.org. I created an account. The next time I tried to log in it gave me an error and said information did not match. I called the provided phone number and was told my birthdate did not match. I was told to fax my driver 's license. I have faxed my D/L on XXXX, XXXX, XXXX and XXXX. I have also mailed it. I received one e-mail on XXXX which stated they received my request. Still does not work. I have called 10 days or so each time after faxing my D/L. Still no luck. I have literally spent hours on the phone trying to get this resolved. This is some kind of error on the part of the loan company and there is no way I should have had to spend so much time and energy trying to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XX/XX/2021 Someone on the behalf of Midland Credit Management has contacted someone i knew and described there self as an authority. I have complained numerous times about this company and their false debt that I allegedly owe. I can not sleep at night because the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Dates requested removal of negative items from my EWS report are XX/XX/2021, XX/XX/2021, XX/XX/2021. 

This company hasn't removed any of the negative items. 

Items described as Account Abuse, and Overdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XXXX I went to the bank to apply for a loan to expand my business and I was made aware that I had accounts that were not in good conditions for any lending loans. I look at my credit reports every other day and I knew that could not be true on any new or late payments on any accounts I have on my credit report. I do not have any beneficial interest in these accounts nor did I sign my signature for them, Please remove them immediately from my credit files ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Not able to submit disputes online from Equifax website is always down regardless when I try to do it. 
Incorrect information in my credit file and due to this security questions hard to pass bc these accounts are not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc.
State: MI

Complaint narrative:
XX/XX/2021 I received an email from my account on coinbase telling me there was two withdrawals from one of my crypto coins that took money away from me and the email stated they have collected funds from a failed transfer but the email did not specify when or how much this transfer was for. 
Received another email at the same time from coinbase saying there was suspicious activity on my card and they have to increase the holding time of my funds being able to get back to me. 
Received another email from coinbase also at the same time stating they have to remove my card from coinbase due that type of card no longer being supported. 

I am now unable to buy or sell on coinbase, I can not add any new cards and I can not get to the money I have still in my account. The money has been there for weeks and it says I can only take out a small percentage due to the rest pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: NV

Complaint narrative:
There are accounts on my credit report that do not belong to me.

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 2021-04-06 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: NV

Complaint narrative:
There are accounts on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
On XX/XX/XXXX, I received notice that my PayPal accounts have been permanently limited. I have two PayPal accounts which are XXXX and XXXX. Ref ID XXXX was issues for XXXX on XX/XX/XXXX at XXXX and Ref ID XXXX was issues for XXXX on XX/XX/XXXX at XXXX. 

I have {$1400.00} in XXXX and {$2100.00} in XXXX which totals to {$3600.00}. This is a large amount of money being withheld from me. 

Week of XX/XX/XXXX, I called PayPal customer service about why my accounts were permanently limited and why my money is being with held from me. The representatives response was that they have no obligation to disclose why my accounts are being permanently limited and my why my money is being withheld from me. 

On XX/XX/XXXX, I sent PayPal a letter requesting why my accounts were permanently limited and why my money is being withheld from me. 

On XX/XX/XXXX, PayPal responded saying that my accounts were reported to be involved in possible fraudulent or high risk behavior. I must want 180 days from the limitation to withdraw my money. 

On XX/XX/XXXX, the {$1400.00} in XXXX transaction ID XXXX and {$2100.00} in XXXX transaction ID XXXX which totals to {$3600.00} was transferred to PayPal citing PayPal 's damages caused by acceptable use policy violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Fraudulent Letter from Equifax Identity theft Ex-spouse, XXXX XXXX sent the letter. 

He and XXXX XXXX have access to credit reports, making changes, disputing addresses to mask identity theft and money mule schemes. 

They have control of my social security number subjecting me to denial of service. 

I have had no access to any business external, can not write or call Equifax, hijacked cell phone and mail theft. 

They have held me hostage to criminals and schemes by impersonating businesses, credit agencies and taking funds I have paid for bills. 

My information is on the dark web which they operate. 

In the process of having it resolved. thank you. 

Could not get freeze on accounts, impersonating representatives for Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: DISCOVER BANK
State: CA

Complaint narrative:
I am soliciting your assistance to put an end to Discover credit card 's illegal and unfair credit reporting practices as they are impacting me directly : There was an erroneous charge to my Discover credit card. My balance was {$0.00} at the time of the charge and I had no balance due. I was not made aware of the charged item until I received notice that My FICO had dropped nearly XXXX points as a result of a negative reporting from Discover. Because I had no balance due, as with most of my credit cards, I never stopped my busy life to review what should have been a {$0.00} balance monthly statement. 
Discover maintained they could not remove the late until the vendor acknowledged and corrected their mistake. 
Subsequently, the vendor acknowledged their mistake and reversed the charge. 
I followed up with Discover only then to be told by supervisor, ( insert name here ), they would reverse the late fee, but not the reported late payment to the Credit Bureaus that was destroying my credit. They maintained that the erroneous charge is not their fault, so they are not compelled to correct the record. 
Because of Discover 's purposed negligence and FALSE REPORTING, my current refinance is costing me thousands of dollars more. 
Please advise me on how to recoup my financial losses, current and projected, caused by Discover 's False Reporting. 
Please advise me on all of my legal remedies to force Discover to correct the record. 
Please advise me on all of my legal remedies to force the credit bureaus to remove the negative item from my reports without adding a dispute to my record even with Discover not currently following the law. 

Most appreciatively, XXXX XXXX

Company response to consumer: Closed with explanation