vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 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: GA

Complaint narrative:
US DEPARTMENT OF EDUCATION ( Original Creditor : XXXX XXXX ) Account Numbers : XXXX and XXXX Date opened : XX/XX/2014 These accounts dont belong to me. I never applied, received, benefited and/or profited off of these accounts. I have tried numerous of times to dispute these accounts and they keep saying it belongs to me but theyre not giving me any solid evidence that these accounts belong to me. I have disputed these accounts with US Department of Education and Equifax ( its only reporting on Equifax ) they both have said the account is mines but have yet to produce any solid evidence.

The last reply I received from the US Department of Education the letter addressed me as. Ms. XXXX. I even sent the proof of the letter over to Equifax and never received a reply back from them. 

On top of that the US Department of Education have incorrect information thats reporting becaue they two different amounts thats owned. We all know the information has to be correct across the board. These accounts have been reporting for awhile on my credit and has been an negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX To Whom It May Concern I XXXX XXXX Have XXXX Hard Inquiries That are reporting on my Transunion report I Do not recognize these inquiries never made these inquiries I will like for them to be Removed from my Credit Report Thanks. 



HARD INQUIRIES XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 2021

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 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
AFTER MANY TRIES TO CLOSE MY CREDIT CARD, BANK OF AMERICA WOULD NOT SPEAK TO ME OR MY POWER OF ATTORNEY! IT SEEMS THAT THEY HAVE A PROBLEM WITH MATH AND INTEREST COMPUTATION WHEN IT SHOULDN'T BE BECAUSE I MADE ALL PAYMENTS BEFORE THE DUE DATE? I BELIEVE THAT THEY NEED TO BE AUDITED! i WANT THEM TO RESPOND TO MY LETTER WITH THEIR REASON FOR NOT CLOSING MY ACCOUNT CORRECTLY AND TIMELY. THIS HAS BEEN GOING ON SINCE XX/XX/2021.

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 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have reached out to LVNV on XX/XX/XXXX and again in XX/XX/XXXX, in reference to account # XXXX with a balance of {$720.00} and informed them that I have no debt with them or anyone they represent. I have asked them to send me correspondence with my wet ink signature or any documentation in reference to this claim. It has been over two years and I have yet to receive anything from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I mailed Credence Resource Management , LLC a letter which which contained an FTC Identity Theft Report explaining I am a victim of Identity Theft with an Identity Theft Report. Credence Resource Management , LLC received this letter on XX/XX/XXXX, which was mailed through the US Post office, USPS Certified Mail, Return Receipt No : XXXX. They responded with a letter stating I requested them to verify the account, which I did not. They continue reporting this fraudulent account to the major Credit Bureaus, who were also notified of the Identity Theft. XXXX XXXX XXXX, who Credence claims they are collecting on behalf of, were also notified of the Identity Theft and claimed Credence did not notify them about anything I mailed them nor have any knowledge on who they are. Credence continues to report this fraudulent account after they were notified by me to remove this fraudulent account from my credit reports and conduct an investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
In XXXX, XXXX, I entered into an investment contract with XXXX XXXX XXXX : XXXX XXXX  Crypto ( the Scammer ) to transfer XXXX XXXX. Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my money within a very short period of time. 
I advised Coinbase of this fact on XX/XX/XXXX and I didnt receive any satisfactory response so far. 
I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money. 
Since XX/XX/XXXX, I have been attempting to resolve this matter with Coinbase, but they have failed to settle this matter satisfactorily. I have been dealing with Coinbase in good faith and am deeply disappointed in how they have handled this matter thus far. 
I must emphasize an important point that I was not experienced, wanted a long-term investment during the difficult period of circuit breaker, but instead, the Merchants so-called guided strategy staked with my money. Their promised bonus credits and repeated reassurances of making returns did not materialize but had lured my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, after several offers to open a checking account and taking into account I wanted to ask for a debit card for my two daughters, I decided to open an account online. 

I followed online steps, replying all questions the process asked me, including my immigration status, so I responded that I am a visa holder who have been working in US for the last four years. Everything was ok, and once I had my account, I opened two more for my daughters, two Chase First account, associated to mine, the main one. Once the account was opened, I made a {$2000.00} money transfer from other account and configured a Direct Deposit to get the checking account offer, {$220.00} premium. 

Next week, on Tuesday XX/XX/XXXX, they locked my online access and gave me a telephone number to solve the issue. After 30/40 minutes at the phone they suggested me to go to a branch to open the account in person. 

So, I did it. On Wednesday XXXX, I was at the branch trying to solve the issue, and after more than 2 hours, my banker was able to open my account after revision of all the needed documentation they asked me. My banker, XXXX, transfer my {$2000.00} to the new account and told me I was able to open my daughters accounts online. I pointed out she to wait some days to close the account because it had a Direct Deposit configured and I wasn't able to change the payroll payment with this short notice. Of course, they didn't listen to me, and they close the 3 accounts, due to that, I didn't receive my payroll. 

Perfect, no problem, again, I opened two Chase First accounts for my two daughters and transfer them some money from the principal account. 

On Wednesday XX/XX/XXXX, I realized my online access was locked again. Same, several telephone calls trying to understand what the problem was, jumping from one operator to another... 

On Thursday XX/XX/XXXX, I go back to the branch but I wasn't able to talk to my banker, and I was helped by another employee. After several calls with other departments, he told me that Chase doesn't want to work with me, giving me no reason and worst of all, he didn't let me withdraw my money, {$2000.00}. He told me, Chase would send me a check which I don't get yet. 

The way Chase is treating me is completely unacceptable, I would like to receive a reason why they denied my account application, an apologize for all the inconveniences this situation is creating me and, off course, my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I ordered new phones from XXXX through their upgrade service from my USAA Credit Card XXXX The phones never arrived and I was still charged for the merchandise. When calling T-Mobile they hung up on me twice and finally told me it wasn't their problem it was XXXX 's because they had been given a delivery receipt. I never received a package with the new phones. I disputed the charges from XXXX on my USAA Credit Card account XXXX XX/XX/2021 ) and reported the card Lost/Stolen to prevent additional charges. USAA then closed out the dispute saying the company had provided them with a delivery receipt and that it was enough to close the dispute and reverse credit for the amount. I have been fighting with them since XXXX last year to get it sorted out because I will not pay for merchandise I did not receive. I provided the same delivery receipt and confirmation of purchase, etc. but was told that isn't enough to confirm my dispute. XXXX, XXXX and XXXX all have given me the same " the original creditor has verified the information '' line and continued to report more false information on my credit reports. The account has been closed since XXXX yet they all report it as open... This is the last straw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: NJ

Complaint narrative:
I reported to Equifax that 1. The revolving account information on my credit report is obsolete. Their credit report date for my revolving accounts shows XX/XX/XXXX. 
2. The reported balances are wrong.

3. The credit utilizations are wrong, 4. The installment account amounts are wrong.

These inaccurate information are having adverse effects on my credit report score. 

Equifax is reporting my XXXX XXXX account XXXX balance as {$2300.00}, with a credit utilization of 15 %. The actual XXXX XXXX XXXX reported balance is a credit of {$2.00} with a credit utilization of {$0.00}. 

Secondly, Equifax is reporting my XXXX XXXX account XXXX balance as {$5500.00} with a credit utilization of 22 %. The actual balance is {$800.00} with a 2 % credit utilization rate. 

Equifax is reporting for installment accounts XXXX ( for XXXX XXXX XXXX XXXX ) balance as {$11000.00}. However, the actual balance is {$5300.00}. 

As you can see this is a significant difference from almost a year ago to date. Please kindly request that they update their report date from XX/XX/XXXX TO XXXX XXXX. All effort by me to do same has proven unsuccessful. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX / XXXX / {$11000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: TN

Complaint narrative:
I am a victim of identity theft. I recently received a copy of my credit report and found the follow inquiries that were not authorized by me. XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX, XXXXXXXX XXXX XXXX Bank ) XXXX XXXX, XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXXXXXX ( Bank ) XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank Of America XXXX Account ( XXXX ) has been setup for closure by the bank 's decision. It currently has an available balance of {$2100.00} as of XX/XX/2022 and I have visited two different branches since XX/XX/XXXX, and the bankers are not letting me withdraw the funds from my soon-to-be-closed account. 

I have called customer protection several times and they state that the request to withdraw the funds may take from 3-5 business days, however, I believe that Bank of America is illegally holding the funds from my account for as long as they can until my account is closed. 

All my attempts to get the funds from my to be closed account have been useless.

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 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX Chase Card Services XXXX XXXX XXXX XXXX, DE XXXX To Whom it May Concern, On XX/XX/XXXX, I received the enclosed 1099-MISC from your organization. It states that Chase bank has provided me with exactly {$600.00} in income. I did not receive {$600.00} in income from Chase Bank, and I have never received a form like this in the past. 

As this was an obvious mistake, I immediately called the phone number on the form, XXXX. On XX/XX/XXXX, I spoke with XXXX, employee # XXXX for approximately 55 minutes. Most of the time I was on hold. XXXX told me that they had no record of me receiving any income from Chase Bank. However, he said, that Chase Bank had no way to send out a corrected 1099-MISC. He suggested that I call the IRS and report the erroneously issued 1099-MISC to the IRS. 

I explained to XXXX that there is no one at the IRS to speak to anymore. He agreed and said he would research the issue and get back to me between XXXX and XXXX XXXX on XX/XX/XXXX with further guidance about Chases error. I thanked him. 

On XX/XX/XXXX, at approximately XXXXXXXX XXXX, the phone rang with the caller ID of JP Morgan Chase. I immediately and anxiously answered the phone. I heard a few clicks and then the line disconnected. 

At approximately XXXXXXXX XXXX, on XX/XX/XXXX, I called XXXX again, and spoke with XXXX employee # XXXX until about XXXX XXXX. Most of the time I was on hold. He repeated what XXXX had previously told me. Specifically, that there was no record of me receiving {$600.00} in compensation from Chase Bank. He also told me that he knows of no way that Chase can or would issue a corrected 1099-MISC. He also directed me to report Chases erroneous issuance of the 1099-MISC directly to the IRS. 

I then called the IRS at XXXX, and confirmed that the general public is no longer able to speak to a live IRS agent. 

I am now respectfully requesting that you submit a revised 1099-MISC to both the IRS and MO Department of Revenue that documents the fact that I did not receive any income form Chase Bank ( I have no accounts there - only a credit card ) in XXXX. 

Thank you for your assistance. I am looking forward to receiving the requested document. I am also looking to filing a report with the Federal Trade Commission, the FDIC and the Delaware State Attorney Generals office for tax fraud if you refuse to issue an accurate 1099-MISC in my case. Hopefully that will not be necessary. 


Sincerely, XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation

Complaint narrative:
The problem started back in XX/XX/2021 and after sending numerous emails I am still unable to access my cards. I have seven cards in total each to the value of XXXX making it a total of XXXX. I earned this money answering surveys on a survey panel internet site. The company asked me to send copies of my identity which I have done but they have still not released my funds. They either don`t reply to my communication or if they do reply they include links that I am unable to click on. I have told them about this issue but they just don`t reply to my email.

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 2022-02-07 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: MD

Complaint narrative:
I've repeatedly attempted to have inaccuracies on my report deleted but, no one seems to care so, here we are. Please only communicate with me through CFPB. ALL REPLIES AND CORRESPONDANCE SHOULD BE STRICTLY THROUGH THIS PORTAL AND BY NO OTHER MEANS. IF YOU CONTACT ME BY ANY OTHER MEANS, I WILL CONSIDER IT HARRASMENT. TIA

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 2022-02-07 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: MD

Complaint narrative:
I've repeatedly attempted to have inaccuracies on my report deleted but, no one seems to care so, here we are. Please only communicate with me through CFPB. ALL REPLIES AND CORRESPONDANCE SHOULD BE STRICTLY THROUGH THIS PORTAL AND BY NO OTHER MEANS. IF YOU CONTACT ME BY ANY OTHER MEANS, I WILL CONSIDER IT HARRASMENT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MD

Complaint narrative:
I've repeatedly attempted to have inaccuracies on my report deleted but, no one seems to care so, here we are. Please only communicate with me through CFPB. ALL REPLIES AND CORRESPONDANCE SHOULD BE STRICTLY THROUGH THIS PORTAL AND BY NO OTHER MEANS. IF YOU CONTACT ME BY ANY OTHER MEANS, I WILL CONSIDER IT HARRASMENT. 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 2022-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: OH

Complaint narrative:
The collection agency is CAPITAL ACCOUNTS XXXX. Account have been removed four times but being repeated re-entered.

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 2022-02-07 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: TN

Complaint narrative:
I received a copy of my credit report and found two accounts that do not belong to me. The two accounts are XXXX XXXX  XXXXXXXX XXXX and XXXX 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 non-monetary relief