vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have received 3 unsolicited Debit cards in the mail in the last few weeks. I have tried to contact the banks to cancel the cards, but not all banks were helpful. 

Chase bank : was able to cancel the card, but charges were still submitted before it was cancelled.100+ charges for les then XXXX XXXX for {$160.00}, but they also deposited the same amount. 

XXXX : Card arrived, but never activated. Tried to call. but they wanted too much info. 

XXXX thru XXXX : XXXX arrived, but never activated. 


Actions : contacted local police and filed a complaint. 

Filed a credit report fraud and put a freeze on the credit agencies for 7 years. 

Contacted my credit cards to notify them of what was happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 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: AZ

Complaint narrative:
My fourth letter to this bureau regarding an inaccurate item. On XX/XX/XXXX a dispute letter with supporting documents was sent to the bureau and I have yet to get a response. I have been in process of trying to get a mortgage and this card has hindered that process and I am disappointed in the way this has been handled. I am sending in my this letter today with more supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XXXX two wires totaling {$230000.00} were sent to XXXX  XXXX XXXX  from HSBC ( MY BANK ) a few days later the receivers account at XXXX  XXXX was put on hold/freeze. no reason or explanation was ever given to why XXXX  XXXX closed the account, they then said HSBC needs to send a " Hold Harmless letter '' I was assigned a customer services manager XXXX XXXX who has NOT helped me and only has e-mailed/called me 1 time in the past 2 months even after 15 calls/ e-mails. HSBC has proof of where the funds originated as I had to provide proof of closing ( I sold my house ) when the funds were deposited in the account and no other funds have been deposited. So I don't understand why HSBC can't help and provide the letter/assistance especially when they know where the funds came from. HSBC asked all communications between XXXX and HSBC be handled in the XXXX XXXX that was done but still HSBC has not/will not help in recalling the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Company is not fairly addressing my disputed transactions, is procedurally biased in favor of the merchant, and may be in violation of the letter and spirit of the Fair Credit Billing Act. Please see my detailed explanation of the situation and my concerns, attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: WI

Complaint narrative:
Jefferson Capital ; Collection agencies. 
This Company use many different telephone numbers are not identified. 
Use 7 or more telephone numbers and different persons and threats of unjustified charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I have contacted the company IC System , Inc., XXXX XXXX XXXX XXXX  XXXX, MN XXXX on multiple occasions to verify the ownership of my debt & they do not provide the verification, instead they continue to report to the Credit Bureaus that the account is in collections. I dont have an account with XXXX  XXXX  and I want the account verified and removed from my 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 2021-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My accounts were hacked and it looks internal. The full print out of transactions i recieved initially is not the same as what i recieved today. XX/XX/2021. Accts XXXX and XXXX were hacked and money stolen and transactions put in the system that are not valid to appear as though i did it. I put a fraud alert on my checking when i noticed my accounts were compromised and chase did not secure my money in any way and i continued to be hacked and money stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SunTx Capital Partners
State: FL

Complaint narrative:
This loans is Fraudulent and should be removed from my credit report as soon as possible

Company response to consumer: Untimely response
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I have money in Gemini that I cant withdraw, they are holding my money since weeks. I contacted customer support multiple times on every platform and I have no replies. I linked my bank account automatically with plaid in order to withdraw my funds. It says it was done successfully but I still cant withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I sent my XXXX payment on XX/XX/XXXX. When I got my statement for XXXX I paid the XXXX charge, but did not notice at first that they didn't credit my XXXX payment. I called and they dropped the late charges and all late fees. I have never been late so I called them to see why they didn't credit my account. They stated the XXXX rent was never received.. 
I did send a letter to Chase and asked that they look into this. They did but I got no satisfaction. 
Since they now had the XXXX payment I said apply it that to XXXX and I gave them access to my checking account to deduct the XXXX payment. I stopped [ payment on the XXXX check, and I do have evidence of that. 
I told them that they should not report me to the credit bureau as a late payment as the mails have been late. I got letters from the utility companies that payments were being received late and they understand and were not charging late fees and would not report it as late. 
I cant understand why they would report me to the credit bureau as I paid the bill when I spoke to them and when I found out it was late I took care of it. 
The mails were late and I feel 100 % justified in requesting that they not report me as delinquent. This may not seem like much but I am XXXX XXXX XXXX and I try very hard to keep my credit in good standing. When they reported me to the credit bureau my credit score went down from XXXX to the low XXXX 's. 
Since they dropped the late fee and since it is a fact that the post office was having issues delivering mail on time they should eliminate the delinquent notice to the credit bureaus. 
Can you descrimnate against me thinking that I cant do anything. I feel that they know that I am locked into this mortgage and I cant refinance with this on my record and my score dropping so low. This bank is charging an interest rate of 4.5 % and I am paying a premium for this mortgage and they have me stuck with this situation for no reason at all. I hope that you can help..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
I received a letter from XXXX XXXX  where they told me the account in charge-off status was placed with NorthStar collection agency. I was never notified about my dispute rights and no documents were sent to me. I want you to send me all the documentation you have. Prove that you have rights and a licence to collect the debt in my state. 
What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: NY

Complaint narrative:
XXXX/XXXX  property show on there only statements that I over paid, my is rent is XXXX an month. Section 8 pay XXXX an month and I pay XXXX an month. According the statement issue by XXXX on XX/XX/XXXX Section 8 was paid up to XX/XX/XXXX and I already paid for the month of XX/XX/XXXX and Partial of XX/XX/XXXX, so I dont understand where and why this report was made. This report was credit bureaus. Please look into this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had to close my account on XXXX XXXX when Chase locked me out and made uncalled fo demands to unlock. When I closed the account the promised me I would be sent a hard copy of my final statement which should have been {$66.00} and some change. I still have not gotten the hard copy of the statement and they sent me and email the other day with {$30.00} in fees and told me to log into my account. I am still locked out can't do that. On the phone they just insist I trust them and give them bank info over the phone without me seeing a final statement. Again I was promised a hard copy. I sent the a certified mail requesting a mailed hard copy and still nothing. I have never ever missed or been late on a payment to them and I am afraid because of their refusal to take prober care of this they are going to mess up my near XXXX credit score. If they will send me the statement for XXXX I have been begging for I will pay them the $ XXXX but I refuse to pay them over the phone or without a statement in hand. I feel I have a right to a final statement dated XX/XX/XXXX when my account did month end close. Not sure about anyone else but I do not just random pay a bill because someone said too.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
Copay was paid to the hospital. In the amount of {$90.00}. Paragon Revenue Services called repeatedly wanting money. I finally paid the {$90.00} again, to Paragon Revenue Services. To stop the harassing calls. I then contacted XXXX XXXX and they told me I had a XXXX balance. And they have no record of sending anything on me to a collection agency. PRS said they were sending paper bills to an address I had not lived at in two and a half years. My information is correct with XXXX. Please make these people stop stealing money from patients. And reporting them to credit bureaus when nothing was owed to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have {$8500.00} in coinbase. Coinbase won't let me withdraw the funds to my bank account. From reviews on XXXX. A lot of people are going through the same thing. Filing this complaint because coinbase won't answer any phone calls or emails. I have tried repeatedly to get my money from coinbase. This is a scam and fraud to not allow users to withdraw there funds any moment from an exchange. I would like to get my money back immediately and also hope government stops this fraud scheme. This is illegal. You can not hold someones funds to force someone to use there platform. I hope the government files an investigation. This is destroying our economy and preventing investors to buy into actual companies and create more jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I received a letter from XXXX XXXX  where they told me the account in charge-off status was placed with Central Collection Services collection agency. I was never notified about my dispute rights and no documents were sent to me. I want you to send me all the documentation you have. Prove that you have rights and a licence to collect the debt in my state. 
What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2021-04-05 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: DISCOVER BANK
State: NY

Complaint narrative:
XXXX/XXXX  property show on there only statements that I over paid, my is rent is XXXX an month. Section 8 pay XXXX an month and I pay XXXX an month. According the statement issue by Colonly on XX/XX/XXXX Section 8 was paid up to XXXX of XXXX and I already paid for the month of XX/XX/XXXX and Partial of XX/XX/XXXX, so I dont understand where and why this report was made. This report was credit bureaus. Please look into this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am on a fixed social security income and I had all five of my credit cards being automatically paid for by check through my primary account ending in XXXX. Due to fraudulent activity on that account over the course of a year there were many times that the bank would issue nsf fees and on my credit card payments, and not pay the credit card. But they would charge overdraft fees on unrelated to credit product payments. Its like they picked and choosed what to pay intentionally causing my credit cards to be not paid. The account was being bombarded with withdraws from unknow sources that caused me to close the account all together due to fraud. My point is that during the year of 2020 i was charged over XXXX in NSF fees and I only make XXXX. The fact that the bank would allow some transactions to go through and others not to seems odd. The bank stated that the fees were valid according to their account opening statement which I was unable to read because of the small print.

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 2021-04-05 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: FL

Complaint narrative:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.

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 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX XXXX and XXXX ) The collection Agency Waypoint Resource Group which is on XXXX XXXX XXXX XXXX XXXX, TX XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/XXXX and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The company is also not reporting on my consumer report accurately. The date last active is not accurate between the 3 credit reporting agencies listed above. XXXX is reporting the date last active XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting last active on XX/XX/XXXX. This is inaccurate reporting and is violating the FCRA. They have also violated these laws. 

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. 

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

If this issue is not resolved i will be seeking {$15000.00} per FDCPA violations and Section 616 and 617 FCRA violations for reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank unjustifiably and inaccurately closed three of my accounts as high risk of failure to pay. My credit report show 100 % on time payments. I have never been late and ALL three accounts were PAID IN FULL. I believe the issue is with the care credit account in which we charged {$5000.00} for a vet bill to help a cat. At the next billing cycle to bill pay paid in FULL, in fact we mistakenly paid them twice. They received {$10000.00}! When reported, we were refunded and then paid the {$5000.00} a third time to the account is PAID IN FULL. I do not want reported as high risk of failure to pay when they received more than owed, on time and in full

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