vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX Bankamerica withdrew {$2000.00} from my business checking account without my authorization & without any advisement that they were going to debit my account. They applied this money to my business credit card ending in XXXX which THEY cancelled over one year ago. 
This theft on their part caused {$280.00} in overdraft fees and bounced checks but my real concern is when I called they said they can do what they want because I was behind in my payments. Additionally they said they will debit my account for additional money to satisfy the remaining balance due at their discretion. I argued this was theft and they said I signed an agreement back in XX/XX/XXXX that would allow them to do this. I asked for a copy of this document and have not received it. 
I have been trying to make weekly payments on this credit card but most of the payments do not go through because of insufficient funds. 
I am suffering a hardship at this time and explained this to Bankamerica many times. I asked if they would consider a settlement offer to reduce the entire outstanding amount over a period of time and they said they do not offer settlement reductions on business credit cards. My home is in intent for foreclose, I am behind on my NJ sales and use tax and my rent on my business is delinquent as well. 
Also, as of close of busiess XX/XX/XXXX they have charged me a total of {$29000.00} in overdraft fees. I received a refund of {$980.00} when I prove that they allow certain checks to be cashed BEFORE I scheduled those checks to be paid. Ive ask them to refund some of these exorbitant fees and they say my account does not qualify. Why? Is it because they know I am a XXXX year old woman? Or a single mother? Or do they feel believe I have no voice because I have fallen on terrible financial set backs and they can gouge me out of dollar after dollar whenever they can. 
Please help me. Their new ad campaign now states : What would you like THE POWER to do? They refer to themselves as THE POWER now, is this what they mean? POWER to extort and wring money from your account-POWER to charge tens of thousands of dollars in overdraft fees? POWER to bleed an extra {$35.00} just because you were overdrawn more than 5x in a row? 
They have to be stopped.

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 2019-10-23 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: PA

Complaint narrative:
On XX/XX/XXXX, I won and paid for a XXXX XXXX XXXX XXXX '' laptop on XXXX. I paid using my Chase credit card in two transactions {$1400.00} ( for the item ) plus an additional {$120.00} ( for the tax ). I picked up the XXXX, foolishly trusted the seller and took the XXXX home. I went to turn the XXXX on the following day ( XX/XX/XXXX ), it would not turn on. I contacted the seller via ebay as well as their email address ( on their business card ) on XX/XX/XXXX because I allowed the XXXX to charge overnight. No reply. I again contacted them on XX/XX/XXXX, XX/XX/XXXX and no reply. I contacted Chase. They advised they would open the dispute ( 2 ). XX/XX/XXXX Chase sent a noticed telling me the merchant said they spoke to me and I made a mistake opening the dispute, that was a lie. The noticed said " If you want to continue with the dispute, sign and return and we'll go forward '' ( in short ). I sent a secure message thru the app noting that Id like to continue with the dispute. XX/XX/XXXX I received notice from Chase stating they are considering the charge for {$1400.00} valid. I called the specialist on the claim and he stated he had no received information he requested of me. I advised him I sent all info in. He asked that I re-open the claim and fax the information I have to a fax number. I did that right away and was given a new claim number. On XX/XX/XXXX, I received notice that they approved my claim for {$120.00} ( the 2nd charge ), and credited my account. On XX/XX/XXXX, I received notice they denied my claim for {$1400.00} and that charge is valid. I called XXXX, the specialist to discuss and he advised they never received the faxes. I have proof the faxes were successfully uploaded. I begged him to look for them. He said he will have someone call me back. I have no faith. I am getting the run around and it is not fair. I am stuck with a broken {$1500.00} computer and Chase will not help me. Please, I have all paperwork and proof of everything. Please help me get my {$1400.00} back. 
These are the dates I have spoke to XXXX the claims XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 2 times ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a few more. 
These are the dates I have attempted to reach out to the merchant before opening the any dispute : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... .all had no reply to them. 
Please take note, when I opened the claim, it has 2 disputes because the computer was paid in 2 separate charges. Why would they approve one charge and not the MAIN one?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Midwest recovery on XX/XX/XXXX post on my XXXX credit report false information - that there is a collection account under my name with XXXX XXXX XXXX for {$390.00} originally reported XX/XX/XXXX. After finding out who was the original creditor that provided that information I contacted the creditor directly XXXX  XXXX XXXX and it was confirmed that the account was charged off shortly after XX/XX/XXXX - over 1 year earlier which put the account illegal to be posted on any credit reports since 7 years were passed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I WOULD LIKE TO KNOW THE REASON WHY NOTHING HAS BEEN DONE BY ETHER AGENCY ABOUT THE XXXX 'S XXXX/XXXX ACCOUNTS WHICH IS REPORTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL ATTEMPTS TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT, STILL NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW WHAT'S GOING ON AND PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORTS BECAUSE IT IS REALLY GETTING IN THE WAY OF CERTAIN GOALS I WANT/NEED TO ACHIEVE. IF THIS ACCOUNT IS REMOVED IT WILL REALLY HELP OUT A LOT.

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 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I NEED TO RETAIN AN IMMEDIATE RESPONSE AS TO WHY I HAVE NOT RECEIVED A RESPONSE IN REGARDS TO THE CHAPTER XXXX BANKRUPTCY STILL REPORTING ON MY CREDIT REPORT. THIS IS A DISCHARGED ACCOUNT, I HAVE TRIED SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW A REASON WHY NO ONE HAS RESPONDED BACK TO ME AND I WANT TO EXPRESS HOW THIS IS REALLY AFFECTING MY FROM PURSUING CERTAIN GOALS, I WOULD LIKE TO ACHIEVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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:
Multiple accounts that are incorrect are reporting on my credit reports US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX US DEPT ED XXXX XXXX DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/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 2019-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
The card was open by fraud. I called and explained to the company and credit company that I was XXXX XXXX. My information was stolen and reported. I sent statements to the agency regarding the event that had taken place. Reports filed. The credit company 's removed from my report 30 days later. I received a letter that it was reinserted on my XXXX XXXX. This is a fraud account and I need assistance with problem. I return from was and have to fight to get my information corrected. Please help! Provided XXXX XXXX with a copy of the police report and FTC. Received a letter stating it would be removed from all three companys

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: MA

Complaint narrative:
I NEED TO RETAIN AN IMMEDIATE RESPONSE AS TO WHY I HAVE NOT RECEIVED A RESPONSE IN REGARDS TO THE CHAPTER XXXX BANKRUPTCY STILL REPORTING ON MY CREDIT REPORT. THIS IS A DISCHARGED ACCOUNT, I HAVE TRIED SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW A REASON WHY NO ONE HAS RESPONDED BACK TO ME AND I WANT TO EXPRESS HOW THIS IS REALLY AFFECTING MY FROM PURSUING CERTAIN GOALS, I WOULD LIKE TO ACHIEVE.

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 2019-10-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I NEED TO RETAIN AN IMMEDIATE RESPONSE AS TO WHY I HAVE NOT RECEIVED A RESPONSE IN REGARDS TO THE CHAPTER XXXX BANKRUPTCY STILL REPORTING ON MY CREDIT REPORT. THIS IS A DISCHARGED ACCOUNT, I HAVE TRIED SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW A REASON WHY NO ONE HAS RESPONDED BACK TO ME AND I WANT TO EXPRESS HOW THIS IS REALLY AFFECTING MY FROM PURSUING CERTAIN GOALS, I WOULD LIKE TO ACHIEVE.

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 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2019 I realized that my Coinbase Pro account had been temporarily disabled. 

The same day I contacted their Support Center explaining that I was unable to access my account, and Case # XXXX was opened. 

Later I received a reply email in which I was informed that my case had been trasnferred to a specialist who would be able to help me with the issue. 

On XX/XX/2019 I received an email from coinbase in which I was informed of the closure of my account, due to alleged violations of the terms of service. In the same email I was invited to access the account to withdraw the remaining funds and complete the closure. 

On XX/XX/2019 and XX/XX/2019 I sent two emails to Coinbase asking for more details on the reasons for closing the account and, above all, asking for their help so that I was given the opportunity to withdraw the remaining funds. 

The amount of funds I can not withdraw is around EUR 15000, divided between BTC, ETH and EUR. 

To date, my requests have remained unanswered and it is still impossible for me to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have never applied for credit with capital one and they have placed a hard inquiry on my report with out authorization. IT NEEDS TO BE REMOVED.!!!! 



Inquiry : XX/XX/2019 ( XXXX ) XXXX XXXX an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: GA

Complaint narrative:
Experian is in violation of consumer rights by reporting a fraudulent account on my credit report. I do not recognize the account listed below and request it be removed from my credit report. 

XXXX XXXX XXXX Date opened was XX/XX/2016 Account Balance {$9800.00} The account listed is fraudulent and unverifiable. I am requesting it be permanently deleted from my Experian credit report.

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 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I was originally contacted about an alleged medical debt by First Point on XX/XX/19 at XXXX. I informed them that I had originally paid the original creditor about a month ago on XX/XX/19. They told me to submit a copy of the check to XXXX which I did and the original creditor debited my account in the amount of {$20.00}. I submitted this check under reference number XXXX. I informed First Point multiple times in both email and received calls to remove me from their list as the debt with the original creditor was already satisfied. They have continued to harass me with phone calls. I requested a status update via email on XX/XX/19 with no answer. Again on XX/XX/19 I emailed again stating that these phone calls need to stop and stated I would be reporting them if it continued. On XX/XX/19 I received another phone call from XXXX at First Point who had no clue what was going on, I also verified with her that the email I have been sending to was valid, so I sent another email saying the phone calls would need to stop immediately. Again on XX/XX/19 and XX/XX/19 I received more calls. Would you please let this company know that they need to stop contacting me about a debt that was already paid to the original creditor and fine them appropriately for the continuing harassment calls?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have sent numerous letters and disputes regarding two erroneous, inaccurate, and unverifuable accounts listed by XXXX XXXX XXXX. In response to the CFPB XXXX XXXX XXXX finally admitted they do not have the necessary documentation and could not get it from the so called original creditor. They stat3d they were stopping all collection activity and sent a letter they had removed it from all credit bureaus. Equifax received not only their request for deletion, but i also sent them a copy if the letter from XXXX and the CFPB reesponse showing XXXX remived it and requested they do so. Still, equifax refuses to correct this issue and instead has verified it as of XX/XX/2019 even after XXXX has requested its removal and they were provided proof of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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:
Multiple accounts that are incorrect are reporting on my credit reports US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I spoke to a Kohl 's Credit Customer Service Representative in XX/XX/2018 and spoke about sending in a settlement for my account as I was going through a separation that was causing a hardship on my financials. The Kohl 's collection representative said told me they would settle for a {$100.00} payment and gave me instructions to send the check with the details " Paid In Full By Settlements and send a letter with the payment in regards to our conversation. I did so on XX/XX/2018 and they indeed cashed my check but the account still remains on my credit report as a " closed charged off sold '' account BUT still showing I owe a balance. I have contacted via mail and by phone to get this resolved since its been over a year and they claim there was no settlement done. I have sent them copies of the letters and the endorsed check with the details showing on the front and back. In the last 3 weeks, I have spoken to several of their representatives ( ID # XXXX, ID # XXXX ) where I was told that yes they see the notes on the settlement in the system and that I would be getting a letter stating it was resolved by settlement and the credit reports will be updated. I was told this on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX however, when I called to check on the status on XX/XX/XXXX I was told they see nothing in the system even though I was told by the last 3 representatives that they saw all the notes. They are continues unprofessional and should be considered fraudulently games when I did everything I was supposed to do and followed the instructions of their company 's employee. I feel that the law should protect me as a consumer against a company like this. I attempted to leave a message for their corporate office legal department with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I DEMAND TO KNOW A REASON AS TO WHY THE CHARGED OFF ACCOUNT FOR XXXX XXXX BANK IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. IT'S AN ACCOUNT THAT WAS OPENED IN XX/XX/2002AND IS WAY TOO AGED TO STILL BE REPORTING ON THERE. AFTER SEVERAL ATTEMPTS AT TRYING TO GET THIS ACCOUNT REMOVED, NO RESPONSE HAS BEEN GIVEN TO ME NEITHER HAS ANYTHING BEEN DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE I HAVE GOALS I NEED TO ACHIEVE, AND IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT. PLUS, IT DOES NOT ALLOW ME TO MOVE FURTHER IN LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
CJ penny Credit card in reporting incorrect balance on my credit card

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 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have asked several time 's for LVNV Funding LLC to verify that the debts are mine. They have been unable to verify this information as of today. I have even offered to pay the debt to remove them both from my credit bureau reports ; as I am attempting to buy a home and this is prohibiting me from bettering my life and building a financially secure future.I want both accounts that LVNV Funding holds to be removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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:
My identity was stolen ; I have filed 2 police reports with my local police department and the FTC 3 times. I have a picture of a woman with a different race using a drivers license with my information from when my taxes were filed ; and I have an open insurance claim with XXXX for the theft. 

Experian took it upon themselves to add back a XXXX XXXX account that had been previously blocked and then when I called them they said that they were going to dispute it with the creditor ; which is a violation of my Federal rights.

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