vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
First of all I want to say how devastating  this has been for me and the stress of simply trying to recover my money its been more than 5 months almost so I made a claim in which I sent in the police reports which is 2 of them Ive also included the detective number in my case Ive also included multiple pictures of my place of living being broken into and vandalized and stolen information like passwords and pins my social and Id, phones etc that were stolen from me and Ive included the police department number and case id and a message stating that the suspects have been arrested in my case therefore I dont see why I havent gotten credited and a bunch of Misinformtsion in regards to my claim. Stating that theres no post yet that it will be in couple of days n then saying that it was posted and its been withdrawn but then Ive never received a value alert Im still currently as of XXXX XXXX  stating that its still under review but when I talk to a rep they say the money has been posted n deposited its been a living nightmare Ive also applied for the emergency cash to see if o can receive something meanwhile case gets investigated and nothing nothing at all Ive received no money and this case has been going on since XXXX edd my only financial support as of the moment and havent been able to get any of my money since XXXX its insane I have pictures detective number police report to prove 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 2021-11-29 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: CA

Complaint narrative:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XXXX XXXXXXXX XXXX They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. Its been over XXXXdays so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I had received multiple alerts to my phone about suspicious transactions being made. I checked my email and saw that there was a charge for company catrying to be made to my personal account. I checked my bank account and saw no charges so I thought everything was fine. So I replied to the Capital one warning about fraud YES everything was okay. 

But then the next day I woke up to a total of {$3600.00} charged to my personal checking account. I attempted to call capital the same date to have them cancel the charges immediately. But instead they told me I would not be allowed to dispute anything until the charged fully posted. And that did not happen until XX/XX/XXXX. I immediately called back XX/XX/XXXX as soon as the charges were posted to explain to them that the charges were not authorized by me. And that there was no products sent my way regarding these XXXX transactions. 

I have already tried to call this company multiple times. Instead I get someone on the phone pretending not to know whats going on. I have emailed the company XXXX explaining them that I never made or received a purchase by them. Over the phone the man told me that the XXXX product was already used. And that a username and password was used. I explained to him that I never approved any transaction. That my bank should have rejected those charges. The person tells me theres nothing they can do to help me at this case. 

I wait a full week for my bank capital one to get back to me and all they say is that We finished researching your dispute ( XXXX ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error. 
You can still try to resolve this directly with the merchant ( XXXX ). 


For the love of God they put no effort into helping me with this issue. $ XXXX gone in minutes and they say everything was authorized. This company XXXX is international, capital one told me that they are located out in XXXX. Ive explained to capital one that I have no idea why my information was being charged multiple times on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I am XXXX XXXX XXXX with ID XXXX, mail XXXX and I have a cryptocurrency account in the COINBASE company. I have been with my account blocked for months and I can neither carry out operations nor withdraw money. In the attached image you can see that they ask me for an authentication code that they send to a phone that is not mine and I do not know that phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX FIN reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and denied the claim. This is not my debt. It has been removed on XXXX and TransUnion. I have been cooperative with everything asked of me to dispute but XXXX XXXX and refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not 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 2021-11-29 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: FL

Complaint narrative:
A debt has been reported to credit bureau XXXX as a collection for the amount of XXXX XXXX. However this amount has been paid in full today XX/XX/28 ( XXXX XXXX dollars ). I need for XXXX to remove this from my credit report since its impacting me badly. 

Also, I need to make Transunion and XXXX aware because I believe this will be reported as well at some point.

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 2021-11-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I sent a dispute Certified Mail # XXXX to Experian wherein I disputed XXXX Account # XXXX date of last activity, DOFD, Payment History On XX/XX/XXXX Experian received my dispute as recorded on the return receipt. 
On XX/XX/XXXX Experian sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. 
On XX/XX/XXXX, I proceeded to access my consumer report via Experians website and make copies of the information pertaining to XXXX Account # XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. While the correspondence that was sent by Experian on XX/XX/XXXX indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. 
It has been 70 days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation date of XX/XX/XXXX. Based on the previous information, I am hereby demanding deletion of XX/XX/XXXX from my Experian file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account ONLY deletion. 
Experian has 10 days from the tracked receipt of this letter to cure or else I will be forced to immediately proceed with litigation to recover damages caused by Experians willful and negligent noncompliance of the Fair Credit Reporting Act. If the account in question is removed from my files within the 10-day timeframe as previously stated, I will consider the matter to be closed and no further action will be taken. 

I look forward to an amicable solution to this matter.

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 2021-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: OH

Complaint narrative:
I have received a notice of foreclosure from Plaza Home Mortgage. 

In XXXX, I purchased a home through XXXX XXXX to whom I made XXXX 's payment ; after XXXX month, the loan was sold to Plaza Home Mortgage. I made XXXX 's payment to Plaza Home Mortgage. I received a letter letting me know that the mortgage had been sold again to XXXX XXXX  with payments being made to them for the XXXX mortgage. 

I received a statement for the XXXX billing from Plaza ; I called Plaza and let them know that the mortgage had been sold to XXXX ; I was told that this would be resolved. I received a statement for the XXXX billing, and again I called Plaza. Once again, I was informed that this would be resolved. I received a statement for the XXXX billing, and as in prior months, I called Plaza. I was told specifically by the collections representative to whom I spoke that she had " opened a ticket to get this resolved '' and she assured me that by opening this ticket, the situation would be resolved, and I would not get any further statements. I guess, since I received a collections notice for XXXX  months mortgage, along with a foreclosure notice, that this was also not correct. 

I have attached XXXX documents : 1. The XXXX bill received from Plaza, which shows that the loan was paid in full on XX/XX/2021 2. A copy of the foreclosure notice. 
XXXX. A statement of all transactions made to XXXX- which also shows that payment that XXXX made to Plaza Home Mortgage. 

As you can see from the XXXX document, all payments have been made on time ( and in most cases early ) to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I joined coinable early when it was relatively new. I was a bitcoin investor and miner. I would mine bitcoins and send my earnings automatically to coinable and I would use coinbase to buy bitcoins. One day my account was banned and I was given no explanations no amount of time I contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased a flight through Chase Ultimate Rewards Travel using a combination of points and my credit card - the price of the flights were close to {$3000.00}. 
My flight was supposed to be to XXXX in XX/XX/2021. My flights were CANCELLED by the airline due to XXXX being closed to tourists because of Covid-19. 
XXXX XXXXXXXX XXXX  website says that I am eligible for a full refund in lieu of flight credits : XXXX XXXX XXXXXXXX Chase Travel has also reached out to me multiple times saying that my flights were eligible for a refund, and that they are working on it. 

Today ( XX/XX/2021 ), I received an email saying I am no longer receiving a refund and that I am only eligible for flight credit. 

I am LIVID. This process has been the WORST customer service experience I've ever had. The Travel agents do not understand my situation, frequently tell me incorrect information, and I've had to waste hours and hours of my time calling back. I have been trying to get this refund since XXXX. Chase Travel has in the past told me it would take 45 days to get a refund, which turned into 6 weeks, which turned into 12 weeks, which turned into indefinitely, and is now " you're not eligible for a refund. '' If this was a normal credit card purchase through the airline directly, I could've already disputed this charge or could have worked with the airline directly to get a refund. I feel scammed and I know Chase has ROBBED me of {$3000.00}. 

For anyone thinking about using Chase Ultimate Rewards Travel portal for any purchases, DO NOT DO IT. It's not worth having to deal with the agents or any hassles that might pop up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My XX/XX/XXXX Chase XXXX Marriott credit card statement showed a charge as follows : XX/XX/XXXX XXXX  XXXX {$410.00} I have never dealt with this company and did not make the purchase. I called the phone number on this line item for the company and could not reach a live person and left a voice mail requesting a resolution to a billing error- they did not respond. I called Chase card services to report the error and they credited the amount and said they would report it to their fraud department. New card was issued with different account number. 

My XX/XX/XXXX statement under the new account number showed the charge reinstated with the same detail as above. I called Chase card services to complain and the person said that they could not remove the charge again but would submit a new complaint. 

On XX/XX/XXXX, I received a letter from Chase Card Services with the statement " our latest review confirms the previous finding that the transaction is valid '' - no other details were provided that explained how this determination was reached. 
I called Chase card services to complain again and a new complain file was issued. 

On XX/XX/XXXX, I received a letter from Chase Card Services with the exact same statement " our latest review confirms the previous finding that the transaction is valid '' - no other details were provided that explain how this determination was reached. They added the statement " we closed the fraud claim and won't respond to requests for additional reviews unless you provide new information '' No comment was provided to suggest what 'new information ' was needed from me. 

Throughout this process- when i have called Chase Card Services, the customer service person is unable to connect me to anyone in the fraud review process to discuss the missing details on this product order or what new information can be provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I enroll in a plan call XXXX to do some Home Improvements and the cost to be added to me Property Taxes, therefore my escrow account was adjusted accordingly, I paid to my XXXX XXXX {$8200.00} additional to balance a Escrow Shortage, and paid on XX/XX/XXXX a new monthly mortgage payment of {$3000.00} twice, before enrolling in a forbearance plan due to a XXXX  Pandemic. On XX/XX/XXXX we enter the forbearance plan, on XX/XX/XXXX I paid off the XXXX  plan in the amount of {$56000.00}. 
I resume to pay regular monthly mortgage in the amount of : {$2500.00} on XX/XX/XXXX, as per Cardinal Mortgage Statement, I received a package from Cardinal Financial Company Loss Mitigation Department indicating that the amount that I owe after XXXX month in forbearance was {$45000.00}, I called Cardinal Financial and explained that the amount stated in the new promissory note was not right, for several reasons, 1 ) I paid off the amount of the PACE program that increased my escrow account, 2 ) I requested a statement breakdown of the {$45000.00} to understand how {$3000.00} x 2 ( {$6100.00} ) plus {$2500.00} x 10 ( {$25000.00} ) add up to {$45000.00}. 
Cardinal Financial told me not to sign that note and wait for the adjusted Promissory Note, it took four ( XXXX  ) month to received the second note, and the amount was wrong again {$40000.00}. 
Every month I call to request the breackdown and the adjusted promissory Note and every month I got the same answer that a manager is not available and will return my call within XXXX hours, this is been going on since XXXX XXXX. I paid my mortgage as per my Mortgage Statement every month by Phone and never been late since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX text received from number ( XXXX ) XXXX Alerts- chase fraud : did you make a wire transfer for {$5300.00} from online access account on XX/XX/XXXX? if no, visit https : XXXX for further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MS

Complaint narrative:
on XXXX XXXX my phone was ported to a hacker with out my knowledge. They then hacked my email locking me out then hacked my coinbase account locking me out. 
After I was locked out of coinbase I can only assume they drained my account of close to a XXXX dollars then made a ach withdrawal of XXXX to my coinbase account out of my checking account. 

I have called and emailed and filed clamaints with coinbase. No one can tell me if my account has my money in it still and they never respond to emails. I just want to know if they stole all my money and how to access my account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In the summer of XXXX Amazon charged my credit card multiple times without my permission. At the time I had an Amazon account but I was not using it and I did not give Amazon authorization to charge my Chase Credit card. I made multiple attempts to correct the issue with Amazon but to no avail. I started reaching out to Chase about this issue in XX/XX/XXXX to dispute multiple Amazon unauthorized charges. I never heard anything back on the disputes. I reached back out to Chase in XX/XX/XXXX and XX/XX/XXXX multiple times and I was never able to get any clear resolution or understanding of what was going on with the dispute. I reached out again in XX/XX/XXXX and XX/XX/XXXX and still I was unable to get a clear resolution as to what was going on with the dispute. In XX/XX/XXXX I was unable to reach anyone at Chase, the lines were busy and the hold times were long and they kept disconnecting me after having me wait on hold for almost two hours. In XX/XX/XXXX I followed up with a Chase Branch to ask for help with the matter and I completed a complaint form over the phone that was suppose to be forwarded to the Executive Office. I heard back from someone in XX/XX/XXXX who identified themself as someone who received my complaint and they worked in the Exec Office. They provided their name, XXXX and contact number ( XXXX XXXX ) and told me they would work on the complaint and get back with me as soon as possible. ( Their work hours was XXXX XXXX XXXX XXXX ) However I never heard back from them and the extension number they provided me does not work. After not hearing back I started reaching out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all to no avail. I am looking for someone to get back to me to ultimately resolve this issue and remove these long overdue unauthorized charges from my account.

Company response to consumer: Closed with explanation