vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
I received a letter from a lawyer 's office regarding a credit card debt. The creditor is Discover Bank. I reported this account to the creditor and the credit bureau as a fraudulent account that I did not make. I stated that the account was applied and made by identity theft. 
Once I discovered the account 's existence, I reported a police report with an FTC identity theft report. Also, I requested proper verification to be processed for the fraudulent credit card account. 
Unfortunately, the credit did not provide any documents to me suggesting that I applied and used the account. The only documents I received were monthly statements of the fraudulent accounts. 
I requested a specific document, which was a written contract/agreement that was made between me and the discover bank. 

I do not understand how Discover bank can sell this fraudulent account to the collection agency when they clearly failed to conduct a proper verification process of this fraudulent account. 

Also, the date XXXX and XXXX posted on the upcoming lawsuit is XX/XX/XXXX and stated that I must reply back within 30 days. I only received the letter today, which is XX/XX/2021. I know by law I have 30 days to respond back to them, but I only received the letter today. 

XXXX and XXXX are playing games with me in order for them to not to provide any verifiable documents to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
THIS COMPANY HAS BEEN ILLEGALLY REPORTING INCORRECT INFORMATION TO THE CREDIT BUREAUS CAUSING HARM TO MY CREDIT SCORE. I'VE MADE MORE {$850.00} OF PAYMENTS SINCE XX/XX/2020 WHEN WE CAME TO AN AGREEMENT. ATTACHED ARE ALL PAYMENTS AND SAID AGREEMENT. I'VE CONTACTED THIS COMPANY THROUGH EMAILING ON THEIR WEBSITE & CALLING WITH NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: PA

Complaint narrative:
XXXX XXXX is reporting on my credit inaccurate information. They are reporting my balance is {$23000.00}, when in fact my balance is {$22000.00}. They are also reporting I have two missed/late payments, this is inaccurate and the dates are XX/XX/2019 and XX/XX/2019. 

I have sent letters to the company and disputed the information numerous times.

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 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
THIS COMPANY HAS BEEN ILLEGALLY REPORTING INCORRECT INFORMATION TO THE CREDIT BUREAUS CAUSING HARM TO MY CREDIT SCORE. I'VE MADE MORE {$850.00} OF PAYMENTS SINCE XX/XX/2020 WHEN WE CAME TO AN AGREEMENT. ATTACHED ARE ALL PAYMENTS AND SAID AGREEMENT. I'VE CONTACTED THIS COMPANY THROUGH EMAILING ON THEIR WEBSITE & CALLING WITH NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Since XX/XX/XXXX coin base has stolen XXXX from me and has locked me out my account and also haven't responded to my email resets or email complaints about monies missing and being locked out account. The first incident ( XX/XX/XXXX for XXXX ) my currencies was transferred out of my account they said I sold my investment and the 2nd incident ( XX/XX/XXXX for XXXX ) I had currencies in my account and now I am locked out account and assume they have taken these monies also. Coinbase also attempted to steal money out of my banking account which is another story. They do not respond and do not have a customer service phone number. I think they use to their cpu/a.i. system to run scams on customers to take their monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one is reporting on my credit inaccurate information. They are reporting my balance is {$23000.00}, when in fact my balance is {$22000.00}. They are also reporting I have two missed/late payments, this is inaccurate and the dates are XX/XX/2019 and XX/XX/2019. 

I have sent letters to the company and disputed the information numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX a personal loan with discover personal loans I applied for was finalized. 

The payoff amount for a loan I have with XXXX was in the amount of XXXX. I provided them with the account information. I offered to pay this off myself but they said they would do it. 

This money was instead sent to another creditor that I do not have debt with and have never been a customer of theirs. I did not provide them with this information or authorize them to send any money to them. This was a complete error by the Discover employee. 

When I realized this, I called and was told that they have to recover the money before correcting the loan disbursement. I was told it should take about 3 days but to call back after 5 days. I called back after 6 business days ( XX/XX/XXXX ) and was told that there has been an issue with getting the money back and I will have to wait up to 90 days as they go through the recovery process. In the meantime, I am responsible for this debt ( for the funds of {$8200.00} that I never received ) and the original debt I had wanted to pay off. This has doubled my unsecured debt and may negatively impact my credit score through no fault of mine. 

I understand that mistakes happen. But this was not my mistake. Yet Discover is making me pay for their error. They offered to credit my loan with them for the amount of my other loan payment each month until resolved and are waiving interest. However, that does not change the fact that my unsecured debt is now XXXX higher than it was before I took out this loan. This was not a reasonable solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX chase bank closed my account with my money in it because they said I didnt have a Business account I provide Them with Document from XXXX Stating that I had a business and the money was from the SBA they stated it was not going to release the money they was going to send it back and its been a year and now I have to make the payments back but never received the money I call the SBA they said it was nothing they can do I provided them the documents that said I had a business the bank excepted the money and now they wont release it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have a {$300.00} Credit limit and I made a one time authorize online payment to XXXX in the amount of {$40.00} using my sons account. XXXX later deducted a total of {$1300.00} within a three month period. XXXX XXXX refunded a portion leaving {$910.00} for XXXX to resolve. XXXX return the funds into the account but held me responsible for the {$910.00}. Once I seen it on my credit report I reported it immediately to XXXX they did a investigation which determined I would not be responsible for any charges due to fraudulent activities in XXXX. XXXX removed the account off of my credit report after almost a year in some months of causing me financial and emotional stress fighting this. XXXX then sold the account to XXXX XXXX whom has now added the account back onto my credit report causing my credit score to drop again making it hard for me to provide for myself and family.

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 2021-02-27 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: MS

Complaint narrative:
This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Sys Inc/XXXX at address XXXX XXXX XXXX XXXX XXXX, PA XXXX is reporting an account on my XXXX credit report in the amount of {$280.00}. I don't know this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a complaint yesterday against JP Morgan Chase Bank, N.A., ( CCC ) - CFPB complaint number XXXX. Since yesterday, CCC has emailed me from a NO REPLAY address. CCC then emailed me from their Executive Offices with an independently verified dead link asking that I sign in to your account knowing full well I have never had an on-line account with CCC. Last night I did receive a voice mail dated Monday, XX/XX/XXXX from a XXXX at ( XXXX ) XXXX, ext. XXXX. I called her back yesterday, XX/XX/XXXX and left her a recorded voice mail response despite the phone queue stating the extension was not valid. The reason I could not call back before yesterday is that my SON WAS XXXX WITH XXXX on XX/XX/XXXX and Im at the XXXX XXXXXXXX XXXX XXXX XXXX every Monday for my sons XXXX!!! All of this is adding unspeakable emotional distress to that which I live with every day, not to mention countless hours of lost time. Again, CCC is still not available to speak with me and otherwise avoiding speaking with me. When I have to collect against my studio clients, ( and Ive had to engage collections Law Firms against XXXX, for example ), I show them the business ethics of extending every possible verbal request, literally hand delivering the invoices and every possible effort in addition. Under supervision and regulations : under current Federal Reserve Board Policy, JP Morgan Chase is expected to act as a source of financial strength to its bank subsidiaries and to commit resources to support the bank subsidiaries in circumstance where it might not do so absent such policy. However, because GLBA provides for functional regulation of financial holding company activities by various regulators., XXXX page three, bottom right. This is CCCs own commitment to the SEC. Why did CCCs subsidiary ( or CCC ) NOT hold to this commitment here? I want to know what entity I faxed my disputes to from the CCC Branch, their EIN number ( s ) and their physical addresses, ALL OF THEM. I already have JPMorgan Chase & Companys EIN number,XXXX ; its a start. The CFPB askes in its intake what category best describes the complaint offering 1 ) Investigation took more than 30 days, 2 ) Was not notified of investigation status or results, 3 ) Their investigation did not fix an error on your report, 4 ) Difficulty submitting a dispute or getting information about a dispute over the phone, 5 ) Problem with personal statement of dispute. ALL APPLY HERE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
My NC FINANCIAL account is reporting erroneously with XXXX and XXXX as a Collection Account. This account was paid in full with their internal collection, XXXX XXXX XXXX and I have the letter that states so. I contacted NC Financial at the beginning of XXXX to settle the debt, I was then informed by a NC Financial customer agent that my account was sold to their internal collection agency XXXX XXXX XXXX. After numerous attempts to contact them via phone, email and XXXX complaint to gain a response, I was able to speak to an representative on XXXX XXXX and their agent informed that my account was placed with XXXX XXXX XXXX. I was then able to contact XXXX XXXXXXXX XXXX to settle the debt, however, after sending my " paid in full '' letter as instructed in the letter to all the credit bureaus to update the status of the as paid. The credit bureaus are stating after the investigation that the account is unpaid and collection status because the NC FINANCIAL is sole listing on the credit report and not their internal collection company XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX and XXXX XXXX that it was not their obligation to notify credit bureaus, but NC FINANCIAL. Which I have detailed complaints from the XXXX and CFPB I demand the account is deleted for the erroneous information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.

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 2021-02-27 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: AZ

Complaint narrative:
This happens every time. I have never had a worse credit card company. The latest is a XXXX movie rental that I returned. XXXX charged me {$37.00}! First of all, I rented 4 movies. Why would I just not return one? If I wanted to buy a movie it would be special. I have bought 2 movies in my life and I am XXXX XXXX XXXX. I filed a dispute for the charge and my Chase Sapphire Preferred credit card sent a letter dated the XXXX of XXXX. It said a response was needed by the XXXX. This was in my mail box on the XXXX. I picked it up today. Again, every time I have filed a dispute they have done something similar and I'm sick if it. I bank with Chase and have their accounts only because I live part time in XXXX and don't have to pay all the foreign fees. That is the only reason. I have never experienced a worse financial institution!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I would like to make a " goodwill request '' to have some or all of those late payments removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate those late payments with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need. This is regarding account :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had a fraudulent claim on my account around XX/XX/XXXX, I quickly reached out to Bank Of America prepaid unemployment card regarding the issue. They put my account in the negative around XX/XX/XXXX and I had a negative balance of XXXX XXXX They told me to file another claim so that I can receive my funds which I did. I had to wait nearly 90 days to hear something back. On XX/XX/XXXX my account was magically out of the negative but I was left with a balance of {$0.00}. I havent received any of my money from BOA from the moment unemployment put the money on the card. Someone has stolen my identity and now I have to hassle BOA for my funds. None of the reps know what theyre talking about Ive called and emailed multiple times only to keep getting the run around. This bank allowed someone to steal my identity and then blame me for it and not letting me see a dime of my money. I am heartbroken and so upset that this has happened and not one of the reps can even show a little compassion. Its like they lie just to get you off the phone. I was told my account will have my money in it by 24 hours and I havent received anything this is beyond ridiculous.

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