vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Ive made a basic dispute by calling Chases 800 number. A few days later I received a letter to be filled out and sent back. They offer three options to return it and I selected to fax it back to them. A few weeks later I received another letter, stating that They have not received my response. I faxed it over again, but decided to check and found a confirmation that fax was delivered. I called disputes department again and was told not only that there is no fax to be found, but that the charge was validated already. I asked how was it possible for them not to receive it, and was told that I have not faxed it over. Moreover, to reopen a dispute I have to fax them a letter asking them to do so.

I asked to speak to a supervisor, and got basically the same information repeated back to me. When I asked if they received the second fax I sent in, I was told that it make up to 30 days for it to hit the desk. Immediate follow up from me was, if it does take that long, is it possible that my original fax didnt hit the desk yet, and why would the dispute be closed if it takes them that long to process faxes. I herd back a robotic response that nothing can be done now and I have to fax a letter to reopen the case. I asked for a phone number to the executive office and was offered a mailing address instead, as I wanted clarification, supervisor XXXX XXXX cordially informed me that JP Morgan Chase executive office does not have a phone number ( I guess company is saving money buy not having to buy phones for that office building ).

I said that my next step would be getting in touch with CFPB and miraculously he told me that my fax was located. Somehow, it was not attached to a dispute, and the full credit card number on the letter and name of the merchant made it impossible to find it earlier. I asked for a quick resolution, after Chases XXXX up, but instead was told to wait 30 days. 
I have XXXX confidence in Chase, their Credit card division has let me down numerous times in the last 6 month, and I dont want to pay for the useless product that I had to throw out and just waisted my time on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
I have found out this firm has opened cases against me but i've yet to be served. I've previously informed them that my income is from social security and is protected. I am XXXX years old with XXXX and still recovering from a XXXX, this is becoming an undue stress for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I received XXXX Bitcoin ( BTC ) from coinbase.com when I opened a new account with them ( using an .edu email address ). I have since graduated and lost access to my .edu email account. Since XX/XX/XXXX, I have been actively trying to have my account transferred to my Gmail email address. 

The support section of their website ( https : //support.coinbase.comXXXX ) said I must verify my identity, which I did on XX/XX/XXXX. Per the written instructions, I contacted Coinbase ( https : //support.coinbase.comXXXX ) to alert them that all steps have been completed for my account to be transferred to my new email account. 

The company has stopped communicating completely, and has not replied to several requests for advice on how I can access my currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
In XX/XX/2016, I financed a vehicle with XXXX XXXX of XXXX. At financing, I opted to take the gap coverage. I am attaching a copy of my sales contract that clearly shows that the XXXX XXXX  was included at the time of financing. Unfortunately, a few months later, and accident occurred that totaled the vehicle. My standard auto insurance funded a claim, but as expected, the amount they paid was shy of the total left on the finance contract. This is where the gap insurance I opted for should have covered me. I have made repeated calls and visits to the dealership and XXXX XXXX about this matter, but they refuse to process my claim. The Nissan dealership, nor XXXX XXXX, does nothing to help me process my gap coverage claim. Instead, all they seem to be able to do is report that I have a {$10000.00} collection balance with their organization on my credit report ; despite the Gap coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
I wanted to continue my membership, but had an issue with the account after a breach of my bank card. I called them to try to resolve the matter, but they were unwilling. I did not hear from them for months, when I did I asked that they send me a letter so the issue could be resolved. I did not receive a letter, instead they sold the debt to First Credit Services who contacted me at work.

I am not a difficult person to find, but I do not answer phone calls do not identify the caller, but will return a message if one is left with clear information as to who the person or organization is. Calling my job was not only embarrassing but completely out of line, since they really had not made adequate attempts to contact me by mail and email. 

I let them know I would be filing a complaint, and that they have ways of reaching me, but were in no uncertain terms to try to contact me at my place of employment ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: FL

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I messaged Toyota XX/XX/XXXX advising them that I had a XXXX baby and due to unexpected financial expenses and out of pocket medical cost that arose due to this XXXX birth I was going to be late on my payment. The message follows : Hello, I will be submitting a XXXX XXXX dollar payment XX/XX/XXXX. I will be submitting an additional XXXX XX/XX/XXXX. This will cover XX/XX/XXXX payment and XXXX of XX/XX/XXXXpayment with the following XXXX to complete XX/XX/XXXXpayment to be paid XX/XX/XXXX. I have fallen behind because I had a XXXX baby born XX/XX/XXXX and had many out of pocket expenses that I needed to cover after the ordeal. '' I reached out to them again via the secured portal XX/XX/XXXX and they advised me to send all correspondences to XXXX XXXX, IA. There was nothing resolved in my request at this time either. I followed up with a certified letter XX/XX/XXXX, asking that these late fees be waived and again still nothing. I spoke with XXXX an agent at Toyota XX/XX/XXXX and she advised me to dispute with the credit bureaus. That was done and the bureaus directed me back to Toyota who provides the info. 

I am asking for the payments reflecting late XX/XX/XXXX and XX/XX/XXXX to be waived and updated. Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have found out this firm has opened cases against me but i've yet to be served. I've previously informed them that my income is from social security and is protected. I am XXXX years old with XXXX and still recovering from a XXXX, this is becoming an undue stress for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have many new accounts with XXXX XXXX. And just a few weeks ago the Bank closed all my accounts, I then received several letters in the mail, each letter was identical in its explanation. The letter pertaining to one of my accounts said that my account was closed for Dishonored payments on other accounts. All of the letters stated the same thing. However I was a victim of identity theft and fraudulent accounts were opened in my name at the same Bank. I reported these fraudulent accounts to the Police, FCRA, Attorney General Office, and the Federal Trade Commission. 

I have never had a dishonored payment on these new accounts. Since these accounts are new I never even received a billing statement or due date. However I did make payment on accounts that I did use, example my PayPal extra master card. I paid it in full and that was the only account I got to pay that hat a due date. 

This company is getting these accounts confused with the other accounts that were fraudulent. This company has totally destroyed my credit report and score. I have every documented letter from the fraudulent accounts that this bank sent to me. This company asked for many different pieces of identity to mail them. I complied and mailed them all documents. Apparently when they received my documents I was told by another XXXX  Specialist that they were confusing fraudulent accounts with my current accounts. My current accounts were never late and again I just opened these accounts a few weeks ago. Even before I got to use some of these accounts the bank put a temporary block on my account. 

This is really ridiculous and what they did to me, and how they clearly destroyed my credit reports. This company has made so many mistakes. Mixing up closed accounts and saying I dud not make on time payments, I have evidence and recorded conversations from Their XXXX   team stating I do not have any billing statements yet, I also have proof from customer service along with names, dates times and phone numbers. 

I want this bank to fix my credit and reinstate my credit, or fix the mess they made on 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 2018-02-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Back in XX/XX/XXXX I opened a Best Buy credit card to purchase my husband a gift for his birthday. I finished paying for his gift in XX/XX/XXXX.Then, in XX/XX/XXXX we purchased a refrigerator for the amount of {$2500.00}. In XX/XX/XXXX, I set up automatic payments through my Best Buy account. These automatic payments were for the amount of {$200.00} and were withdrawn from my checking account with XXXX XXXX XXXX. By XX/XX/XXXX this money had been paid in full. However, these automatic payments continued to be withdrawn from my debit account. I realized that something was wrong in XX/XX/XXXX when I figured it had been too long and that this automatic payments should have stopped already. At this time I checked my Best Buy account online and realized that there had been fraud and reported it to the credit card immediately. The fraudulent transactions occurred during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were multiple transactions during those three months that added to the amount of over {$7.00}. At this point they cancelled my account and opened an investigation. Their investigation concluded that I was responsible for the charges and therefore they still continue to call me to collect payments. There have been a back and forth between XXXX XXXX ( the bank wish sponsors Best Buy ) and myself ever since. In XX/XX/XXXX, some of the XXXX XXXX   fraud agents, recommended that I opened a police case, wish I did. I sent this over to them and they reopened the case. After this they determined again that I'm responsible for the charges. After my last conversation with another XXXX XXXX agent, I was recommended for the first time to submit any additional information that could favor my case ; she suggested for example that I sent time sheets showing that I was at work, or if I had travelled during those months to submit traveling tickets information. I couldn't provide any of those because as a full time pharmacists who used to work for XXXX at the time, I was a salaried employee, and also I didn't travel during those three months. 
All of this leads me to believe that they are not investigating anything with the places at which this transactions occurred, but instead are lightly deciding to make me responsible for the charges. I have told them and begged them on multiple occasions that I'm an honest person and to please investigate the right way, but this has not led me anywhere. 
I can send you prove of the police report that I opened and also the automatic payments set up, and payments made automatically upon request. 
I thank you in advance for anything that can be done to resolve my case.

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 2018-02-21 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: FL

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-02-21 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: FL

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I retrieved a copy of my 3 bureau credit report and noticed that AFNI had placed a collection account on my XXXX credit report ( Account # XXXX ). I was notified through my credit monitoring subscription on XX/XX/XXXX that AFNI had inserted the account ( s ) on my XXXX  credit report. I have never did any business with this company, never heard of this company, nor have I received any correspondence ( dunning letter in particular ) from this company on the alleged debt they are stating is owed to them. I have no knowledge of who the original creditor is and no basis to justify my paying them for a debt that is alleged and not validated. 

Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI was required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. I DID NOT RECEIVE ANY NOTIFICATION FROM THEM. As such, AFNI should have provide me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherein he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and name and address of the bonding agent for collection agency in case legal action becomes necessary. All requested documents must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete these errneous, unverifiable entries from my report and send a letter communicating such.

For AFNI to blatantly violate my consumer rights by placing these accounts on my report directly violates FDCPA.

Company response to consumer: Closed with explanation