vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received an invite from my daughter to apply for XXXX Credit Card a product from JPMCB and I did apply on XX/XX/2020 few seconds passed and I received the Denial based on my Credit Report but I have not received my credit report and denial as today XX/XX/2020 I have called and requested the denial several times but I havent received anything and in order to request a reconsideration I need the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: OK

Complaint narrative:
I opened a bank account online with ace flare I believe there bank is XXXX. 
I had my social security checks going directly into my account and for two months they have kept my money from me. I tried using my card and it said call the computer ace flare rude people I dont know how they even sleep at night holding someones money from them. Anyway they knew where my money was coming from social security card they had my money kept from me over an audit mind you this is all the money I get it pays my rent and bills and medical barley they wanted me to send documents proving who I am against my better judgment I did online and so I sent them my Drivers license and legal documents on my address and social security number. After I did that they said my Drivers license was fake this is a Oklahoma Drivers license and  the doctor was from the federal government like social security number and Oklahoma Drivers license they caused me a lot of mental anguish and my rent and couldnt pay for my medical supplies and my bills i have a XXXX XXXX had XXXX XXXX and Im two months  late on my rent and bills and I could not even get my XXXX medication those people did not have any right holding my money and I still dont have my money they would not even open my card back on so I could pay my rent and bills and my XXXX medication and machine they said They will close my account and send a check in the mail but i will not get it for two weeks now that leaves me with no money for two months and two weeks I am so upset about this they have ruined my life and I want a judgment against them not only two months and two weeks of my money back I want them to pay for everything they caused me everything no rent might be on the streets and could not get my XXXX medication and XXXX medication because of this my bills being late and my mental anguish they put me through Thank you 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 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I submitted a request via email to Dovenmuehle because forbearance had been in accurately reported on my mortgage loan and my credit report. I followed up with Dovenmuehle on XX/XX/2020 with 3 phone calls and I was told my issue would be resolved within 10 business days. During one of my calls that days I requested information on how my loan was put into forbearance status without my knowledge or consent and what actions I needed to take to ensure this was resolved. I was not given any information but I was advised a supervisor would look at my case and call me back within 2 business days and I  never received a call back. I called again XX/XX/XXXX and was told the same information once again. Again after waiting 2 days I never received a call back. I then placed another call and I was told Dovenmuehle mailed out documents to me and the week before and to wait to receive the documents. The mail I received from Dovenmuehle stated they were researching my issue. I've continued to call Dovenmuehle several times a week and in some cases several times a day and it has now been over 90 days with no resolve. I have received 2 letters stating they are researching my issue but I have yet to see any follow up or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2020, my FICO credit score was reduced by 17 points because Bank of America ( my credit card company ) reported that I have made a late payment. The balance owed on my account was {$0.00}. I dont understand what am I supposed to do exactly? Send a check for {$0.00}? I dont understand why they reported me. 

I tried calling the company on XX/XX/2020 to resolve the issue. They stated that they will remove the report, but have not done so. 

This is a malicious practice that they are doing needs to stop. I will pursue legal action if I have to.

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 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX keeps sending this debt to different agencies after it was already disputed and removed off my credit report. They are illegally do this. Jefferson capital system is now reporting this on my credit report. Please remove it ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX is the General Executor of all accounts and affairs regarding the name XXXX XXXX XXXX its ESTATE and any/all derivatives. 

2. FCRA 1681 ( i ) states in part If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.

3. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX by refusing to comply with FCRA regulations 1681 ( i ) by either 4. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX  by failing to conduct a reasonable investigation as mandated by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ).

5. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX  by failing to provide proof of a reasonable investigation as mandated by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ).

6.When a customer disputes credit information to a CRA, the CRA must advise the furnisher of that data that a dispute exists and provide the furnisher with all relevant information regarding the dispute that the agency has received from the consumer. Id. 1681i ( a ) ( 2 ) ( A ). Once notified by a CRA, a furnisher must *36 ( A )  conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency .... ; ( C ) report the results of the investigation to the consumer reporting agency ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
hello, Coinbase company locked my account with XXXX $ value money ( not cryptocurrency ) a week ago and I cant acces that money. However, I van log in into account but cant do anything.

I want to transfer the money to my bank account.

I tried all steps to recover account but didnt work.

I know about similar cases and people stayed without money.

I would need you help since I read about you helped someone before.. 
Thank you sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XXXX XXXX, 2020, my FICO credit score was reduced by 17 points because XXXX  XXXX XXXX XXXX my credit card company ) reported that I have made a late payment. The balance owed on my account was {$0.00}. I dont understand what am I supposed to do exactly? Send a check for {$0.00}? I dont understand why they reported me. 

I tried calling the company on XX/XX/2020 to resolve the issue. They stated that they will remove the report, but have not done so. 

This is a malicious practice that they are doing needs to stop. I will pursue legal action if I have to.

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 2020-09-30 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:
XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. 

I filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are TransUnion, XXXX  and XXXX. 

Bankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. 
Thank you for your response. 

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 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: CA

Complaint narrative:
I have never received correspondence from the collections company. They have simply continued to place negative marks on my credit report. I have disputed the issue with the credit agencies, however the company continues to submit negative information. I have no documents showing that I have any outstanding debts owed from over 5 years ago. ( Additionally I filed bankruptcy in XXXX, had this company been attempting to collect in a timely manner it would have showed up on my report at that time. ) They state I owe money as a result of moving out of an apartment  in XXXX. They didn't even start posting on my credit report until several years later. As far as I know all payments were made and no moneys were owed when I handed in my keys to the apartment  complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
We Defaulted on our car lease payment in 2018 because the Nissan dealership we leased the vehicle from went out of business. so we called that particular location for a few months but couldn't get a whole of anyone. we were finally able to reach a customer service representative at another location that told us to turn the vehicle in since it was been repossess for the delay in payment which we did. the lease was in both my name and my wife 's. This particular account started reporting on both our credit reports as derogatory. but this account from the get go has always reported inaccurately on my reports XXXX XXXX  and XXXX  had wrong information on their separate platforms about this account and every time i disputed the errors and demanded that the account been removed from my credit report for been inaccurate the particular error will be fixed but the account will remain. Even though this account was written off as bad debt for the full amount of the vehicul in question after we had made more than half of the aforementioned amount before turning the car in we had a certain XXXX XXXX, XXXX contact us in an effort to collect the debt. And at this same time this NISSAN-INFINITI LT went ahead and reported fraudulently on our credit report new payment that we never made and my guest is that they did this to move the status of limitations on this account ahead to the can fraudulently still take our money. Please help us fight this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. 

I filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are XXXX, Equifax and XXXX. 

Bankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. 
Thank you for your response. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. 

I filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are XXXX, XXXX  and Experian. 

Bankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. 
Thank you for your response. 

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