vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Saturday, XX/XX/2019 a post was posted by XXXX XXXX XXXX on XXXX XXXX for a washer/dryer. She said she would hold the item for a deposit. We are moving some time in XXXX, so holding an item until then is ideal for us. I messaged her and she said she would hold the item as long as we need. She requested I pay her husband on XXXX via $ XXXX ( listed as XXXX XXXX ). I confirmed this was her husband and I paid {$170.00}. The next morning, the post on XXXX XXXX had been removed completely ( not marked as sold ), and our entire exchange on messenger was gone. I sent her a message asking for her contact information for future reference and she will not answer. I have requested my money back from her and her husband with no responses. I have filed a police report and reported her to XXXX. 
I filed a claim with Chase bank and initially they said that with XXXX XXXX there is nothing they can do. XXXX XXXX support told me that my bank should be able to file a dispute. I called Chase again and re-expained my situation, so they filed a claim. Chase put {$170.00} into my account temporarily. I received a letter on XX/XX/XXXX from Chase stating they completed the research for the claim and found that the transaction was processed correctly or authorized, and they would be removing the {$170.00} that they put in. On the letter it stated I could contact Chase if I would like to request the information used in their research. I contacted Chase and requested the information, which they said had to be sent by US mail. I had already been denied an initial request for the information of their communication with XXXX XXXX for unknown reasons. I am now waiting for the research information, which does not sound promising.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I had a loan with speedy cash about 21/2 months ago I called in to pay it off and the representative done something to were it locked my debit card from being used to pay the loan off I was then told to mail a money order to the office in Kansas which I did well not there saying they did not receive the money order I went back to were I bought it told them of the problem they said they can track it to see if it had been cashed it took a while for them to find out anything I was notified that had in fact been cash by them but they still calling me and saying they never receive it now they have put it on my credit ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One closed my XXXX account without notice due to inactivity. I was not able to use the account because the card expired XX/XX/17 and was never sent a new card. I called after receiving the email but they would not reopen the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I use Wells Fargo for all my banking needs and have been a member for many many years. On XX/XX/XXXX I used my bank to transfer {$400.00} ( via Wells Fargo app ) to pay for concert tickets via XXXX. By using my Wells Fargo acct I was under the assumption that my money was insured and secure. The transfer went through. I never received the tickets and the person I was purchasing from declined my calls. I called the bank an hour after the transaction and they said they are unable to cancel it. I also filed a police report. They said they will investigate it. After 2 weeks, I received a letter saying they are not responsible and will not reimburse me even though I used their app XXXX for Wells Fargo.

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 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had an unfortunate situation happen and I knew I was going to need some assistance with making payments on my capital one credit card. I called and the company gave me 3 months assistance by not charging me late fees as long as I made a {$50.00} payment each month. So I got back on track from my situation and I went to purchase a new home and I find out they put 2-30 day lates ; XX/XX/2019 and XX/XX/2019 on my credit. So I sent the credit bureaus copies of the letter stating they wouldnt charge me late fees and the credit bureau said the information wasnt gon na change. So Im trying to see how is it they said they wouldnt charge me yet attack my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received copies of my credit report from Experian, XXXX, XXXX and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit report. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. Experian, XXXX, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. also they are reporting names and addresses medical collection without following the HIPAA rules and regulations so please look into the companies it is not right for the credit bureau to report information that does not belong to you for the purpose of making money.

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 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a few inaccurate items on my credit report, my name is XXXX XXXX XXXX please remove/delete any variations of my name. I live at XXXX XXXX XXXX XXXX OH XXXX please remove/delete the following addresses they are not accurate:XXXX  XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a few inaccurate items on my credit report, my name is XXXX XXXX XXXX please remove/delete any variations of my name. I live at XXXX XXXX XXXX XXXX OH XXXX please remove/delete the following addresses they are not accurate:XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , OH 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 non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PR

Complaint narrative:
We receive a Bill from XXXX for a service that we never apply or have. They Bill us {$1400.00} for one month of service in XX/XX/2016 that we never receive. They don't tell us where is the address of the supose service. We never receive any mail from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a kohls credit card that was opened in XX/XX/2013 lost my job and didnt pay it the account went to a charge off i paid the full amount and atill shows charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: IL

Complaint narrative:
I check my credit reports periodically to ensure they are correct. When I checked my report a couple months ago, I noticed that XXXX had sent me to collections, saying that I owed them {$91.00}. I knew this to be incorrect. Though I had had accounts with XXXX in the past, I was very careful each time to pay the account in full, at the time of closing, and leave a forwarding address in case anything came up. I never received a call, email, or letter from XXXX regarding any outstanding debt and I was verbally assured by a XXXX representative that I had no outstanding charges at the time of the account closure. 

So, I disputed this negative account through all three credit bureaus. XXXX  and XXXX  investigated and promptly removed the error from my report. Equifax however, allegedly investigated, but chose not to remove this negative account from my report. When I contacted them by phone to resolve the matter, the rep I initially spoke with refused to take any action on the matter. I asked for a supervisor and the supervisor agreed to open another dispute, on my behalf, and to make it a point to mention the fact that this account had been removed from my report by the other two credit bureaus. 

I then received an email, after roughly two weeks had passed, letting me know that the new dispute had been completed. When I checked the status, via Equifax 's online portal, I saw that they still had not removed the error from my report. 

I'm filing this complaint because Equifax did not do their due diligence in investigating the matter and they did not provide me with a reason as to why they did not remove the error from my credit report, as the other two bureaus had done. Furthermore, XXXX had no legal right to send me to collections as I did not have outstanding charges with them, nor did they make any attempt to contact me, which they could have easily done via the contact information I had provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
In XX/XX/XXXX, First National Bank approached me with an offer to Skip A Payment in XXXX or XXXX. I sent them the form and a check for {$50.00} to pay the interest plus a few cents on XX/XX/XXXX. My payment was not due until XX/XX/XXXX. I always round my payments up to the nearest dollar and allow the difference to go towards the principal. I assumed that everything was fine. I did not receive any communication about a problem. On XX/XX/XXXX, they contacted me for the first time with a past due notice. I assumed it was in error, because the total amount due ( {$360.00} ) on XX/XX/XXXX on the notice was under the last payment received of {$370.00} on XX/XX/XXXX. I contacted First National through the customer service line in the beginning of XXXX. On this phone call, I explained my confusion. I sent the {$50.00} interest only payment on XX/XX/XXXX, a {$400.00} payment on XX/XX/XXXX, and a {$370.00} payment on XX/XX/XXXX. At no time in the past three months have I been late on my payments. The customer service agent told me that my account does not reflect the Skipped Payment offer. They did not cash my check. She could not help me any further, but offered to have another representative of the bank call me. I never received a telephone call to correct this situation. On XX/XX/XXXX, they sent me a past due notice that states I have {$330.00} past due, a late charge of XXXX for a total amount due of {$360.00} on XX/XX/XXXX. In order to bring my payment current, I paid {$400.00} on XX/XX/XXXX. This is over the total amount due on the notice. This did not correct my account. On XX/XX/XXXX, I received a past due notice that states I have a {$300.00} amount past due, a late charge of {$33.00} for a total amount due of {$340.00} by XX/XX/XXXX. In order to bring my payment current, I paid {$370.00} on XX/XX/XXXX. This is over the requested amount and several weeks early. This did not correct my account. The bank sent me a letter on XX/XX/XXXX stating they have attempted to contact me about this matter by telephone. My cell phone records show no attempts by First National Bank to reach me in XXXX. They have not left a single message on my phone. I have not spoken to anyone at First National since I made contact in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Disputed a collection account being reported on my XXXX and TransUnion credit reports from XXXX XXXX, XXXX of Wyoming. Sent dispute letters via U.S. Mail on XXXX, XX/XX/2019 and XX/XX/2019. XXXX and TransUnion claimed that this debt was verified all four times, but was offered no proof that this debt was indeed mine. Since no proof was offered that this debt was mine, I demanded that this account be removed from my report. As of the writing of this complaint the account has not been removed. I also contacted the collection agency and they also have been unable to prove that the debt is mine nor have they removed the account from my XXXX 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 2019-06-29 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: Credit Bureau of Carbon County
State: CO

Complaint narrative:
Disputed a collection account being reported on my XXXX and XXXX credit reports from Collection Center, Inc. of Wyoming. Sent dispute letters via U.S. Mail  on XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX and XXXX claimed that this debt was verified all four times, but was offered no proof that this debt was indeed mine. Since no proof was offered that this debt was mine, I demanded that this account be removed from my report. As of the writing of this complaint the account has not been removed. I also contacted the collection agency and they also have been unable to prove that the debt is mine nor have they removed the account from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: TMX Finance LLC
State: FL

Complaint narrative:
XXXX XXXX is paid off with XXXX  balance. 
instaloam   was opened frudulent. 
XXXX and XXXX acounts were also fradulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: WA

Complaint narrative:
I never got evicted, yet there is an eviction showing on my record, making it impossible for me to rent elsewhere. I lived at XXXX XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, but there is an eviction showing in XX/XX/XXXX. i have perfect rental history, on time payments with rent, etc.

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 2019-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, at XXXX I attempted to make an ATM withdraw using my American Express BlueBird Credit Card ( XXXX ), at XXXX Gas Station on XXXX XXXX, XXXX XXXX, FL XXXX, for the amount of {$740.00}. 

During this transaction, the ATM attempted to dispensed the money, however, the ATM door never opened, and the transaction was over. I quickly through up my hands stepped back, and called for a store manager. 

The General Manager of the XXXX came over, I explained the situation, and she advised they don't have anything to do with the ATM, and gave me a number to file a claim, ( XXXX ). 

In speaking with two Agents, they confirmed there is nothing they could assist with, and I need to call my Credit Card Company, ( American Express BlueBird ), and file an claim with them. 

Since XX/XX/2019, I have filed a claim with American Express, who advised I would receive an provisional credit within 10 Business Days. In addition, I was able to speak with Executive Office for XXXX, who provided additional information regarding filing a claim through them, however, the request would have to come from General Manager for that XXXX.I called and requested for the General Manager to place a req to have the ATM check, and she said she couldn't get involved. 

I'm sending this complaint, due to American Express Bluebird, still hasn't sent the follow-up email to provided them with additional information, nor do they have any since of urgency to assist with resolving this matter. 

My back is also up against the wall with the fact, I was withdrawing the {$740.00} to pay my car payment that is due on XX/XX/2019. 

Please understand my car payment can not be late, or I will go 30 days past due, and I'm trying to buy a house. 

I understand there is a process, but no one I have reach out to has acted is if they care. Everyone just keeps saying the same thing, contact your bank, and American Express bluebird keep saying, we have a process. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Made my monthly payment on XX/XX/2019. They change the account number without notifying me. Now rhe payment is still missing, it has been two months and the company still asking me for the payment and charging late fee charges to the account. 

First account XXXX XXXX XXXX XXXX Second account ( account number changed by the company ) XXXX XXXX XXXX XXXX My payment was credited to the first 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 monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received copies of my credit report from XXXX, Transunion, XXXX and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit report. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, Transunion, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. also they are reporting names and addresses medical collection without following the HIPAA rules and regulations so please look into the companies it is not right for the credit bureau to report information that does not belong to you for the purpose of making money.

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