vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-25 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: SC

Complaint narrative:
XXXX XXXX  XXXX XXXX reported a unsubmitted balance to my insurance as a founded balance to a collection agency called XXXX  XXXX XXXX XXXX whom failed to rendered supporting documentation that they are in compliance with services that would have been covered under insurance but, due to the negligence of the doctors office, as I was covered my XXXX  within the state of Maine as I was XXXX  and unemployed at the time. The provider and the insurance confirmed there was no bill and since they failed to submit the claim nor did they notify me in a timely manner ( until it was presented to collections ) the insurance will/did deny coverage because the claim is untimely. Moreover, substantial risks and delays associated with continuing to pursue their lien rights instead of being paid by the clients health insurance need to be brought to the providers attention as well, due to this gross balance causing a huge impact on my creditworthiness If not removed litigation will be set forth, and court will rule and i will sue to the negative impact caused over the years

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 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX with a Original Balance of {$250.00} is being reported as multiple lines as if I have several accounts as well and the balance has not being reported correctly.This account has been paid in full since XX/XX/2020 and it has yet to be reported correctly. despite the submission of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
On XX/XX/2020, I deposited {$120.00} into my coinbase account. I did this via purchasing bitcoin on XXXX XXXX, and then sending it to my wallet on coinbase pro. After this, I sold my bitcoin on coinbase pro for USD. 

I then proceeded to complete the Coinbase Earn program, and was compensated with {$38.00} in various cryptocurrencies as a reward. After completion of the program, they give you the option to refer someone to do the same and receive up to {$10.00} in rewards per completed referral. 

I referred my mother, who I then helped set up a account on coinbase. 

Immediately after this, my account was locked, and I am no longer able to access any of my USD on the Coinbase Pro  app. Within their Terms of Service, they explicitly state that unless ordered by federal or legal means, youre money will always be available to withdraw to a verified bank account. 

Not only do I have a verified bank account connected to the company, but I have provided all necessary identification verification documents. They are in direct violation of their own terms of service, and are illegally holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX with a Original Balance of {$250.00} is being reported as multiple lines as if I have several accounts as well and the balance has not being reported correctly.This account has been paid in full since XX/XX/2020 and it has yet to be reported correctly. despite the submission of proof.

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 2020-05-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX with a Original Balance of {$250.00} is being reported as multiple lines as if I have several accounts as well and the balance has not being reported correctly.This account has been paid in full since XX/XX/2020 and it has yet to be reported correctly. despite the submission of proof.

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 2020-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reported the identity theft charges to Experian and The other credit bureaus but it was removed from credit reports

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 2020-05-25 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: Nelnet, Inc.
State: GA

Complaint narrative:
I sent Nelnet a factual dispute of my credit report. I DID NOT USE a credit repair company. I pulled my 3-bureau report from XXXX  and noticed several instances of Nelnet violating the FCRA specifically in sections 623 and 611. Please investigate both of my attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2020 I received a letter from Bank of America confirming my payment postponement ( Forbearance plan re : covid 19 ) for my home loan # XXXX until XX/XX/2020. 
I received a bill in XXXX stating that payment was due for XX/XX/2020. I called customer service who told me that sometimes the bill crosses in the mail as the forbearance letter is issued. She confirmed that the loan was postponed and the next payment is due XX/XX/2020. 
Today I received a bill stating {$4100.00}, I am 47 days delinquent and if my account is not brought current to include fees my home was in jeopardy of going into foreclosure. 
Please confirm the bill dated XX/XX/2020 is incorrect. Please confirm my account reflects the correct information regarding the forbearance. Confirm that this is not inaccurately reported to the credit reporting agencies as past due.

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 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One issued a statement on XX/XX/2020 that i owed {$22000.00} by XX/XX/2020. 
I made a small payments all along the month of XXXX which totaled {$20000.00}. 
My payments were made thru the web-based app. 
I assumed that I had paid the entire amount as the there is no way to figure out on the app if your statement balance is met in full. 

Due to the Corona situation, I was busy with so many things. 
I didnt check my XXXX statement until XX/XX/XXXX and I saw that I was hit with an interest charge of {$160.00} for missing the full payment. 
I called them and paid the past balance and an additional payment totaling XXXX. 
I asked them to waive the interested, they denied. 
I called them additional 2 times after that I was caught up in so many things and assumed that payment was fully made. 
They didn't care. 

I just got the XX/XX/XXXX, statement. 
They charged me an additional {$170.00} interest. 

I have closed the account to never do business with such a greedy and unforgiving bank. 
Even in times of crisis, this bank didn't care for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: CA

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

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
In XXXX, I opened a new HSBC Checking account and HSBC savings account. For the checking account, per HSBC online offer terms, I should receive {$60.00} bonus every month for the first 12 months if I have direct deposit of at least {$3000.00} into my checking account each month. I already met this requirement for the first two months since I opened my account. However, I have NOT received any of the monthly bonus yet. 

I called HSBC customer service to report this issue. However, the bonus still has NOT been posted to my account yet. I am writing to request HSBC to immediately post the {$120.00} bonus for the first two months to my HSBC checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: N26 Inc.
State: FL

Complaint narrative:
Hello I have {$600.00} stuck with a bank called N26 Checking Account XXXX Name XXXX XXXX I opened the account ... .Read lots of good things about this new type of account online ... 
I deposited only a few {$100.00} per day ... ..And while having the account at most pulled from the atm XXXX per day ... ..there limits are FYI {$750.00} .... 

I have a few college friends who have it and have sent me a few dollars from things owed to each other ... ... OUT of the blue they frooze the account ... .any chance of trying to discuss with them they say funds are frozen I am under investigation ... ..I can't touch the {$600.00} ... ... I said ok ... .Waited 3 more days with out hearing them and they repeated the same blurb ... ... .it 's now been 8 days ... .they have my money no answer and funds frozen .... NOT HAPPY ... ... .Need help XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One 360 frequently removes my phone number for 2-Factor Authentication disallowing online access. Their policy is to only use phone numbers with name-associated billing accounts as a security measure. 

Customer service representatives are unable to update the number, thus leaving me locked out of my account. Since this is an online only account, this disallows actions while still retaining the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: CA

Complaint narrative:
To : Whom I

t May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 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. 

-- AUTO ACCOUNT -- 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-05-25 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: CA

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

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. 

-- AUTO ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-05-25 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

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.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On my Amazon store credit card account Synchrony Bank imposed a charge of {$94.00} as of XX/XX/2020 that is not mine and that also has a vague cutoff description - " XXXX XXXX ''. I have no idea to what it refers. Some similar amount appeared before on a card ending XXXX that used to be mine but that was compromised. I disputed the charges initiated by somebody else. The charges were refunded. I blocked the compromises card issued by Synchrony bank with {$0.00} balance. I also claimed to block the merchant to which my money went, without authorization. 
It's illegal to put charges with unclear description such as " XXXX XXXX '' on my name 1 ) from the card that was compromised, 2 ) to a merchant that was supposed to be blocked.

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 2020-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I and my friend are XXXX XXXX. Last year, my friend wrote a check for {$5000.00} to me. I was using Chase 's bank account and he was using XXXXXXXX XXXX  account. After I saved that check in my bank account. Chase closed my account for no reason, and they didn't send that {$5000.00} back to me. Also, I'm not allowed to use Chase anymore. During that time, my friend has back to our country and his visa expired. Then Chase 's worker told me they need to call my friend to verify his identity or something. And they don't accept an international number. But my friend has no way to back XXXX. He is already graduated. They also told me if we couldn't do that, Chase will hold that {$5000.00} forever. My friend tried to call Chase even he is in XXXX, but they told him they need my permission first. When I called Chase 's customer service, they told me my friend need to call them first. Now, after 1 year, my friend won't believe me that I didn't receive that money cause that money has already transferred from his bank account to Chase. But Chase didn't give that money to me and they choose to hold it forever and their requirement is very irrational for me and my friend. I do need that money for my school fee.

Company response to consumer: Closed with explanation