vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to resolve this dispute with the actual company and I never received results. I went to my bank Chase and told them that I tried to resolve the dispute and did not receive results. I told them that I don't know how many charges that I have with this company. I asked if they could look through and let me know. So they told me the charges I had but didn't tell me all of them. I didn't realize that I had charges since last year. Chase told me that I didn't have to sign the normal forms because of the pandemic, however when I got them in my secured message I did so. I was told that I would receive a credit in 24-48 which I never did. I called back and was told that my claim was denied because I didn't put all of the charges. I filed a report with XXXX someone called and actually submitted all the charges. After that I received {$580.00} out of about {$3500.00} I had so many different people calling me until I got completely confused. A lot of people from overseas. I have already been a victim of identity thief. Someone called me last week from Chase when I answered I just heard background noise so I hung up. First I got a messages that I needed to provide more info but they didn't tell me what. Then I called and was told that I needed to sign a paper that I signed in XXXX of XXXX. The next day I received a message saying that my claim was denied again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now and I feel like nothings being done, I sent you my first letter on XX/XX/2021 but to this day your inaccurate reporting still affects my credit nor I get a response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will seek legal action due to all the troubles you caused me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

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 2021-08-31 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:
I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now and I feel like nothings being done, I sent you my first letter on XX/XX/2021 but to this day your inaccurate reporting still affects my credit nor I get a response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will seek legal action due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX {$8900.00} XXXX {$5100.00} XXXX {$4100.00} XXXX {$10000.00} XXXX {$4500.00} XXXX {$2600.00} XXXX {$5900.00} XXXX {$6200.00} All the amounts and dates above were reported into my credit report, for a total of {$48000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
We opened a merchant account with XXXX  XXXX XXXX back in XXXX, XXXX, And after opening the account we noticed that XXXX is only a middleman between us ( merchants ) and another merchant provider called XXXX ( the new name of this merchant provider now is XXXX ). 

We had no problems and our business was doing fine and stable, after few weeks we scaled our business and we start getting more sales, and suddenly we received a call from XXXX claiming that our account is under review, and this review took more than 2 weeks, after that they took a reserve of more than {$20000.00} ( in this stage I was calling them everyday with no answers from the risk department [ I mean XXXX  risk team, since XXXX  was not involved in these issue for some reason ] that they claim is the right department that can provide details about the hold and the reserve ), and that means XXXX did all that without any formal communication. 
Note : during this entire period of the review, they were collecting fees from my bank account. 

After few days the account was closed [ on XX/XX/XXXX ] and because of that I was out of business permanently, and I was surprised when I got a call from XXXX claiming that I owe them this amount. I requested XXXX  and XXXX to explain why I owe them this amount, since the statements [ see attached ] that I received after the account closed were not showing this numbers. But no explanation was provided. I called the XXXX customer support ( since XXXX didn't have any info ) to ask about the reserved balance that was held before the account closed, and after I got connected with a lady who explained that they still have a reserve balance of more than {$14000.00}, and she stated that I will receive a check to my address with this amount, witch I never received. 

And today I got a letter from a collection agency regarding this matter, asking me to pay this debt. That I am still waiting an explanation for it from XXXX and XXXX. 

XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$4000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2700.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX XXXX {$12000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$4200.00} I filed an ftc report and spoke with the creditors and they refuse to remove it.

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 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$4000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2700.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX XXXX {$12000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$4200.00} I filed an ftc report and spoke with the creditors and they refuse to remove it.

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 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/2021, at XXXX XXXX  ( Arizona time ), I received two emails from Coinbase.com stating that I had transferred virtually all of my Bitcoin ( BTC ) and Ethereum ( ETH ) to unknown wallets. I did not authorize these transactions, and have since learned from Coinbase that someone without my knowledge or authorization installed an API in my account, which they used to access my account and perform these fraudulent withdrawals. 

I also learned that Coinbase hides this activity from me in the activity log in my account so that I did not know, and could not have known, when the thief or thieves accessed my account. It appears that the API Coinbase allowed to be installed also bypasses all of my chosen security measures, including 2-factor authentication to log into my account and 2-factor authentication to withdraw or transfer funds.

At the time of this theft, my XXXX BTC was worth {$11000.00} and my XXXX ETH was worth {$8300.00} ( a little over {$13000.00} today ) There were also transaction fees associated with these transfers that were paid from my Coinbase account. 

The emails I received said : Congratulations! You have successfully sent XXXX BTC to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX BTC ( {$1.00} USD ) in network fees. 
Congratulations! You have successfully sent XXXX ETH to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX ETH ( {$16.00} USD ) in network fees. 

I filed a complaint at ic3.gov, and have not heard anything at all. I filed a complaint with the Arizona Attorney General 's Office, and they were able to get Coinbase to provide some limited information about the API that was fraudulently installed, but Coinbase has since refused to provide any additional information, including whether or not the addresses above to which my funds were sent were associated with a Coinbase or other XXXX  account that could be traced to the owner. 

If the CFPB could require Coinbase to provide additional information about the theft, including the question above, as well as the dates/times/IP addresses that were used to access my account via the fraudulently installed API, I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
hello, I have business account with Bank Of America for the last 2 years. its very hard to get in to the bank, they have restricted ours, all employees of Bank oaf America close the location for no reason. I wait again for 2 days to get appoint to open my escrow account requiem by the state for my business XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I open personal account for my parol, which was convenience! I try to login to my accounts, no of the the works! I cant login to business account, Dost work. I try my personal account dost work! I try to get appointment to the branch, they are not available. How did we get to the point, that banks to return your calls and not responsible for get you information as a client. After all money that Bank of American got from Government, we still not serving a small business. The only number from Bank of America was available for my call was if you want to buy a stacks. Maybe be is a time for Bank of America to get out of regular banking and just to do stack market!, on the meant time Im stack with incompetence of transfer Business accounts to Personal accounts, and no answer. Bank of America cant process personal account and business account the same time!!! Its time for Bank of America to Retire! They have been taking enough money from government to supplant they personal benefit of CEO to rest of their lifes, its time for change! incompetence cost you money! They never have been for the small busies in a first time!,,

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 2021-08-31 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I obtained property from XXXX XXXX XXXX  using Acima. When purchasing this product it specifically stated that it was a lease and not a loan. Having had the product for a few months I decided that I did not want it anymore, therefore I was able to RETURN IT to ACIMA, the rightful owner. The agent on the phone advised of my return options, relating that it can be returned directly to ACIMA via shipping or it can be donated and will be considered paid and closed as it is NOT a loan. Under the direction of ACIMA, I donated this property to a not-for-profit organization as shipping it was not an option. ACIMA then suspended the collection of further payments and actually REFUNDED ME. I took a look at my credit report and noticed this account showed, paid, closed {$0.00} balance yet the remarks state this was voluntarily surrendered. How is that so? I never owned the property, therefore I can not surrender what it is not mine - it was a lease not a loan. This ofcourse negatively impacted my score drastically. After contacting ACIMA regarding this, I received a call from ACIMA on todays date to which the female employee stated that I could no longer make the payments thats why it was surrendered ( repossessed ) and they refunded me. WHY ARE YOU REFUNDING ME IF I OWE YOU??? It does not make sense. I demanded that they update the creditors to reflect the correct information to which they declined! I never owned the property, I never agreed to purchase the property - hence it being a LEASE. It should not be reporting as voluntarily surrendered because it was a RETURN! Again, it states PAID, CLOSED, {$0.00} Balance.. yet it was surrender? They REFUNDED ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
This is written notice to ceo of XXXX XXXX  XXXX XXXX XXXX that I am invoking my right of rescission pursuant 15 usc 1635. My assignment rights have been violated. I rescind all signatures, endorsements, and consents of my information there of. I expect my information be deleted, any obligation be set off, any security interest cancelled and all money be mailed by check to the address of XXXX XXXX pursuant 15 usc 1635 in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I have two  checking accounts with USAA. I asked for over draft protection for account ending in XXXX and to be secured with my USAA savings account. The agent of USAA did the set up but put over draft protection on the savings account with checking account as the cushion. This was done on XX/XX/XXXX. I had a NSF fee of {$29.00} assessed to my checking account because the agent placed the over draft on the wrong account and now they will not reverse my NSF fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2021-08-31 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: DC

Complaint narrative:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown items on my credit report. Embarking on 90 days later I have not received one word about the letters I have sent about my credit. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 90 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX =. Case #. XXXX Set up a case with XXXX requesting Capital One Bank Participate in Arbitration - I have paid the {$200.00} fees and Capital One has yet to respond. The deadline was for XX/XX/XXXX. XXXX. 

I paid for the cost of the Arbitration however Capital One has not. The XXXX sent numerous requests to Capital One via certified mail but to date has been ignored. 

According to the Terms and Conditions of. Capital One I am required to start a Arbitration action prior to any civil action. 

I am requesting that the CFPB contact Capital One and advise them to continue the Arbitration Process. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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:
I DISPUTED ON XX/XX/2021 TO THE BUREAUS ABOUT ACCOUNTS THAT ARE NOT IN THE CHARGE OFF STATUS AND TO BE VERIFIED WITH ALL PROOF SENT TO ME OF THE VERIFIACTION PROCESS ALSO ONE ACCOUNT THAT I WAS NEVER LATE ON. IT IS DETAILED IN THE LETTER ENCLOSED. MY PROBLEM IS, 2 TIMES NOW THEY FAILED TO ABIDE BY THE LAW.. SO NOW THE MUST DELETE ACCOUNTS IN QUESTION SINCE THEY ARE IN VIOLATION OF THE STATUES LISTED BELOW. 
YOU DID NOT SUPPLY ALL OF THE INFORMATION PREVIUOSLY ASKED FOR ACCORDING TO F.C.R.A. 611 ( a ) ( 7 ) in a timely manner, 30 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these item from my credit report. I AM ENCLOSING THE 1ST DISPUTE LETTER WHICH ASKED FOR A COMPLETE DETAILED INFORMATION FROM SOURCES YOU USED TO VERIFY MY DISPUTE. YOU FAILED AND ARE NON- COMPLIANT SO YOU MUST NOW DELETE ALL INFORMATION IN THE FIRST AND SECOND LETTERS ATTACHED.

Company response to consumer: Closed with explanation