vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Thursday XX/XX/XXXX, I responded to an email that appeared to be from XXXX XXXX stating my " annual '' fee was being automatically deducted from checking account for {$290.00}. 
*I don't have a XXXX XXXX account *called the " customer service '' phone number on the email at about XXXX XXXX *worked with a person who claimed to be from XXXX *opened my Chase bank account so I could be refunded the {$290.00} *He began to operate my screen on his own without my support *He made it appear the {$29000.00} was sent to my checking account *He then began to convince me to send them a wire transfer for {$9400.00} *we completed that request and it appeared to be being sent to XXXX *I began to question the whole process and he was adamant that i not tell anyone or turn off my computer *He identified himself as " XXXX XXXX '', phone # XXXX *This made me more nervous and I eventually turned off my computer. 
*In accessing my Chase account, i discovered that this person had only transferred the {$29000.00} from my savings account *This was done without any delay from Chase which is their SOP on transfers of that large amount *Since my bank was now closed, I went to my local branch at opening time XXXX to make claim for being scammed on XX/XX/XXXX *I worked with XXXX and called claims and fraud to get the claim started *on Sat. XX/XX/XXXX, i filed a police report, # XXXX with XXXX, FL offfice of the XXXX XXXX Police with Deputy XXXX XXXX, phone # XXXX *Please the attached wire transfer info *on or about XX/XX/XXXX, i was informed by Chase that my claim was denied and the funds had been taken from my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Card opened in my maiden name under Serve that I never opened. Called Serve and the closed the account but wanted to report this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
They ran my credit without my Consent on XXXX and opened an fraudulent account and have been reporting it late ever since damaging my credit.. I contacting them with a pay to delete letter on XXXX and by them cashing my check the agreed to delete the account the never removed and are still reporting it late

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 monetary relief
Consumer complaint received 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I called in today to file a dispute and spoke with a rude representative who got an attitude because I asked where I can send supporting documents in regards to the claim I was trying to file. As I explained that US Bank has a consistent issue with not providing any request for information before making a decision on a dispute claim ; I wanted to make sure I provided the information as best they can review the matter and complaint in full. She then came back to the line with a nasty attitude and immediately gave me a name to email the documents to. She started to give me the name as I asked her to wait while I grabbed a pen as she literally did not give me any warning or heads up that she was going to be providing me any information I would have to take down as soon as she felt the need to just blurt it out. As she gave me the name of the representative she did not offer any spelling at all and this name could have been spelled several different ways so for me to sit here and have to inquire as to how to spell a name for a formal legal dispute process which are within my rights under the account contract I have with US Bank in itself is a hassle as well as the federal and state rights I have to file this type of dispute. After giving me the email the agent was still extremely rude. She did not even tell me if a provisional credit would be issued, when it would or would not be issued, nor any estimated time frame on the dispute process she very quickly went into dismissing and ending the call. So now my concern is that why was this the process with previous complaints as to providing such said information and why is it not the process now as well as is this information just not going to provided to me versus being provided to other customers it poses several civil and federal class protections as to why this agent so choose to purposely neglect to provide this information as if US Bank already decided on the matter and thought the formalities were irrelevant.

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 2021-07-03 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Original creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX  Original creditor : XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX -Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 




FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have been paying the original creditor believing I was paying my debt off as agreed in out payment arrangement. The XXXX  informed me their computer automatically sends accounts to CMRE financial. So I called CMRE and made arrangements to pay on all accounts they had collected from XXXX and made.payment arrangements and paid as soon as I hung up on he phone. CMRE is in violated of our payment arrangemen, as I have them in a recorded line stating the arrangement and that my credit would no longer be affected by each account individually, as the accounts had been merged. I have been paying 2 payment arrangements of {$35.00} each to two hospitals and now a thrid arrangement with CMRE. I have the recording and can have a transcript made if that helps. These are amounts that were paid on and still had them turned into collections, whom gave no opportunity to resolve the issue before my credit was affected and now is not holding up to the payment arrangement they agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
Vervent/XXXX  is reporting twice on my credit report. This company is reporting inaccurate information. The balance is incorrect, the Date of Last Activity reports different dates with all bureaus. XXXX XXXX XXXX XXXXXX/XX/2020. This account is also XXXXXXXX XXXX XXXX XXXX which is also reporting a different date of last activity XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am trying to close a checking account with Huntington Bank in XXXX, IL on XX/XX/2021. I took my money out of the account prior to then, so that it is easier to close. The bank charges me {$25.00} per month if my account is below {$10000.00}, so I need to close the account before they assess me the fee. They are not allowing to close my account online, by phone, or by video call. I called both the national support number and the closest bank branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2021 all trading was disabled on my account and I wrote to Coinbase support and verified my account. 

On XX/XX/2021 I received an automated response from Coinbase support saying that their Support team was working hard to answer customer inquiries and to visit their Help Center for more information ( Case # XXXX XXXX. 

On XX/XX/2021 I received an email from Coinbase Support saying they had transferred my case to a specialist who would be able to further help with this issue, and that replying back to this email was the best way for an update ( ref : XXXX : ref ) On XX/XX/2021 I replied to the email asking for an update and have never received a response to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-03 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: World Acceptance Corporation
State: TN

Complaint narrative:
I decided to pull my credit report and noticed that I had not only incorrect names and addresses listed but also 3 accounts listed that did not belong to me. These 3 accounts are in derogatory status. I had to file for ID theft in XX/XX/2000 and I believe these accounts may have been opened by the same people. Further, I also had 17 inquiries which do not belong to me. I am not responsible for the above referenced information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: KY

Complaint narrative:
I open a second account on XX/XX/2021 transferred XXXX dollars to the new account that day. This was with US Bank on XXXX Street in XXXX, Ky XXXX. 
On Friday, XX/XX/XXXX deposited a USA business paycheck from my employer. 
Ten percent was made available then taken away. 
I called the bank four times to figure out what the issue was. 
They placed a hold on my check and said nothing would be available until the XXXX of XXXX. The paycheck check was direct deposited in the old account for over five years. When I tried to get my check back to open an account with another bank, they refused to give me my check back. 
Stating a hold was placed on the Check with no good reason or explanation.

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 2021-07-03 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: SC

Complaint narrative:
I have sent out a letter to XXXX XXXX, and Transunion concerning my credit report. Due to suspicious activity on my credit report. I simply asked XXXX XXXX and Transunion to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days and then a second letter another 20 days of waiting on a response.

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 2021-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I have informed Southwest Credit This debt was pursued about another Collection agency XXXX who was unable to prove I owed this The person XXXX sent to get equipment turn cable on at my address I do not slowed this debt the person they hired to pick up there equipment does. I asked for my original signature on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, This complain is about EXPERIAN CREDIT BUREAU. 

Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX Make of car : XXXX XXXX : XXXX XXXX XXXX XXXX # : XXXX This account is reporting as a repossession on my EXPERIAN credit report with so many inaccuracies. 

The amount reported owed by the creditor on this account is {$8500.00} as of XX/XX/XXXX. 
However, Experian confirmed that the balance owed as of XX/XX/XXXX is {$11000.00} which is different from what the lender says I owe. 

Also, this account has been deleted off my XXXX credit report and currently showing {$0.00} balance owed on my XXXX credit report. 

I have disputed this account to be deleted off my EXEPERIAN credit report but EXPERIAN came back with a resolve yet again, updating my account the balance owed of {$11000.00} as of XX/XX/XXXX which is different from what they previously reported above. 

This is negligence, the reporting is inaccurate and should be deleted off my account.

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 2021-07-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My wife and I are retired, and we live debt free. We don't buy anything unless we can pay for it in full, including our new ( er ) XXXX automobile. 
If and when we buy another home, we'll pay cash for the property or we won't buy it. 
We have money in the bank ( 6 figures in savings ) and use our credit cards but ALWAYS pay them off in full every month. 
I froze my credit a few years back ; my wife 's credit is still 'open '. 
Our 'Credit Score'* is pretty good I guess : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX : XXXX But the fact that it is dropping constantly even though we pay our bills every month, and WORK HARD to live within our means, is making me crazy! And it tells me in no uncertain terms that the credit reporting agencies, financial institutions, and the Fed are complicit in keeping Americans buried in debt, while penalizing those of us that pay our bills and strive to live debt free. 
The reasons for our falling credit score? 
1 ) 'Not enough balance paid down over time on revolving accounts. ' We always pay our credit card balances down completely. Every month. 
I'm not even sure what 'revolving accounts ' are - but apparently we don't have them or are somewhere misusing them? 
2 ) 'No open real estate secured loans in your credit file. ' What? We bought our last home in XXXX, and after qualifying for a mortgage** to buy the house, paid the mortgage off in full within 2 years. Is it because we don't have a mortgage that we're being penalized? 
There are a couple of other reasons listed for our falling credit score, neither of which make any sense to us. We just don't get it. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
*XXXX  XXXX XXXX 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 2021-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My name is XXXX XXXX co-signer of Navient loan ID : XXXX and XXXX for my son XXXX XXXX. Each month I pay extra to be applied to the principal. I write clear directions on each payment stub, and also write allocation amounts for each loan in the memo section of the check. I then take a photo of all documents before mailing and the bank also has a copy of the cashed check. I do this due to the consistent and arbitrary misappropriation of funds that Ihave experienced with first Sallie Mae and now Navient. 
On XX/XX/21 I allocated XXXX to loan XXXX and XXXX to loan XXXX for a total payment of {$590.00}. Loan XXXX received the correct allocation and loan XXXX was shorted {$100.00}. Where did the {$100.00} go? 
I am so frustrated with this legalized extortion via student loan interest rates coupled with the ineptness of Navient. Thank you, once again, for reading of my concerns. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: Fidelity National Information Services, Inc. (FNIS)
State: KY

Complaint narrative:
Chex systems is not following the laws of the FCRA, they have decided to leave a fraudulent account on my Chex systems report and the have never provided me with proof bearing my signature proving the fraudulent account with XXXX XXXX. XXXX XXXX has corresponded to me twice stating that they have never received a dispute from Chex systems. I have included the correspondence. It is evident that one of the parties are lying and the parties need to be held accountable for this and the fraudulent item on my Chex system report needs to be removed immediately! 
The dates of all of this is from XX/XX/2021 - Present XX/XX/2021 CONSUMER ID : XXXX the statement following is what was sent to Chex systems : I HAVE ALREADY FILED A DISPUTE WITH CHEXSYSTEMS ON THIS ACCOUNT AND ACCORDING TO CHEXSYSTEMS YOU STATE THAT IT IS VERIFIED YET YOU DID NOT PROVIDED ME WITH THE DOCUMENTATION USED TO VERIFY THIS FRAUDULENT ACCOUNT. I NEED VERIFICATION AND PROOF OF MY SIGNATURE ON ANY OF THE FRAUDULENT BANK DOCUMENTS. I HAVE SENT YOU MY FTC IDENTITY THEFT REPORT WHICH YOU HAVE COMPLETELY DISREGARDED THE FCRA 'S RULES AND REGULATIONS IN WHICH YOU SHOULD BE FINED. THIS SHOULD BE REMOVED IMMEDIATELY AS THIS FRAUDULENT ACCOUNT HAS PREVENTED ME FROM OBTAINING A BANK ACCOUNT. I HAVE NEVER HEARD OF XXXX XXXX  UNTIL I SAW THE FRAUDULENT ACCOUNT ON MY REPORT IN XX/XX/2021. I HAVE ALSO BEEN IN CONTACT WITH XXXX XXXX AND THEY HAVE INFORMED ME ON 2 OCCASIONS IN WRITING THAT AS OF XX/XX/2021 THEY HAVE NEVER RECEIVED A DISPUTE FROM CHEXSYSTEMS. SO I HAVE THE PROOF TO PROCEED WITH A LAWSUIT BECAUSE THE LETTER FROM XXXX XXXX STATING THEY HAVE NEVER RECEIVED A DISPUTE FROM CHEXSYSTEMS ON 2 DIFFERENT OCCASIONS IS CLEARLY STATING THAT EITHER CHEXSYSTEMS OR XXXX XXXX IS LYING. PROOF WILL BE ATTACHED. YOU HAVE 15 DAYS TO VERIFY THIS INFORMATION AND TO PROVIDE ME WITH A DOCUMENT BEARING MY SIGNATURE. IF YOU CAN NOT, I AM DEMANDING REMOVAL UNDER THE FCRA. EITHER XXXX XXXX OR CHEXSYSTEMS IS COMMITTING A CRIME BY CHEXSYSTEMS LYING AND SAYING THAT YOU VERIFIED MY INFORMATION AND OR XXXX XXXX LYING SAYING THEY HAVE NEVER RECEIVED A DISPUTE. WHOMEVER IS NOT TELLING THE TRUTH IN THIS MATTER IS VERY UPSETTING AND THIS TIME IS GOING TO BE RESOLVED BY REMOVING THIS FRAUDULENT ACCOUNT OFF OF MY REPORT. I AM FILING WITH THE APPROPRIATE AGENCIES TO GET THIS RECTIFIED 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 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NY

Complaint narrative:
I have an opt-out suppression on file with LexisNexis as well as a security freeze. I have been trying to complete a data deletion request with a third party data broker called XXXX, which uses LexisNexis for identity verification. Upon receiving an error message when trying to contact LexisNexis, I obtained a copy of my consumer report and verified that the information is correct. I then contacted both XXXX and LexisNexis regarding the issue. Since it is due to the identity verification, the error is occurring on the end of LexisNexis and not XXXX. After contacting LexisNexis, I lifted my optout suppression ( I opted in ) and temporarily lifted my security freeze. I gave the computer systems ample time to update, but I still obtain errors in identity verification through LexisNexis. I tried to rectify the situation with LexisNexis, but the " XXXX XXXX  '' privacy management email eventually stopped responding. Moreover, the representative at XXXX reached out to their internal contact at LexisNexis and did not hear back after weeks. I have spoken to LexisNexis on the phone multiple times and they just say to lift the security freeze, opt-in, and wait, which I have done multiple times. 

XXXX does not use manual verification, so LexisNexis can not punt the ball to the other company as the identity verification is the responsibility of LexisNexis. XXXX did indicate that they MAY do a conference call to verify identity.

Company response to consumer: Closed with explanation