vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened an estate account with Chase Bank in XXXX, XXXX. On XX/XX/21, I was informed that the account was restricted due to an account name issue. I went to the XXXX, XXXX location and resigned all the paperwork, understanding the account was corrected. I was notified 4-5 days later that it was not corrected, that they needed a copy of my marriage license ( from 16 yrs ago ) to prove that my legal last name that is on my identification is really my name. I called 3x to ensure that all was ok, and proceeded with writing checks to handle estate expenses. I spoke with someone in Chase 's back-office who said that the checks would clear, yet they bounced. Then, I was told by my contact at the XXXX branch in XXXX that I needed to go back to a Chase Branch location ( now in XXXX, XXXX since I was no longer in XXXX  and had returned home ), and re-sign all the bank paperwork again. I was informed at the branch by my contact on XXXX XXXX in XXXX that my account was locked and I should " wait a few days '' because I couldn't re-sign any paperwork. After multiple calls to the " back office '' and between the XXXX contact and the XXXX  contact, I was told to come back to the Chase Bank branch in XXXX, XXXX  to re-sign the paperwork again, and that I needed to wait to hear if the account was fixed. The next day, I received a call saying they couldn't reconcile my last name with the paperwork that is part of the estate and prove that I am the same person ( although I have all the identification to prove I am ) and that they would be canceling my account. At that point, I informed my representative that it was physically impossible to resurrect my dead XXXX to verify my name, even though I have all the legal documentation to do so. It has been nearly a week now and no one can tell me where my roughly $ XXXX is from this account, and when I log into the Chase Bank portal, my account and my money are gone. I am consistently reaching out to the bank, and conveniently get hung up on when my calls are routed to the Chase " back office. '' I put that terminology in quotes because I've heard it multiple times from my in-person advisors at the branch locations of Chase Bank. In the end, this also changed my mind about moving ~ $ XXXX $ XXXX in long-term investments to Chase Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
my name is XXXX XXXX i had capital one cridit card for XXXX $ limit, capital one acted as jail statement by lowering my cridit score 65 point by reporting me as missing payment, i paid them in full, through their customer service act as entry level refused to update my cridit report that the balance has been gone and i had to wait till next billing cycle where i got shocked that they reported XXXX $ interset rate on a full paid balance and they didnt care that XXXX $ interset rate on XXXX balance showed on my cridit report so i went and i paid the XXXX XXXX 
but its like i closed the account capital one so messy and night mare and please remove capital one from my cridit report my cridit limit with other cridt cards XXXX and capital one cridit limit XXXX $ as night mare they would place the missing payment for 6 years where they account fully paid and closed. 
its like if they got paid have this night mare ends thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX  ( childrens ' clothing store ) had an online promotion advertising 25 % off your order if you applied for a credit card. On XXXX I completed the application, including my social security number, and was told that I would receive an email within 7-10 days. I did not hear from them. On XXXX I was told by my employer that she received and application for Ohio unemployment benefits. I did not file for unemployment and I then completed forms notifying Ohio Dept of Jobs that my identity was stolen. Thinking back, I thought by me entering my social security number online during the application process, this may have opened me up to identity theft. I contacted XXXX and was told that their credit application process is handled by XXXXXXXX XXXX. On XX/XX/21 I called XXXXXXXX XXXX and was told that they did not have my application and that this frequently happens during online credit card applications for XXXX. Why would a company as large as XXXX use a service that is not secure? That is my complaint-an insecure online credit card application process that resulted in my identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DCN Holdings Inc.
State: NM

Complaint narrative:
To whom it may concern, I received a call from this Company XXXXs XXXXXX/XX/XXXXThe gentleman I spoke to was absolutely rude. I had money to pay for the debt and make payments from there moving forward. He refused to do that or for me to make payments unless I paid it in full. I asked well whats the lump sum amount I can make and I can see how I can come up with the money by that following Friday being XX/XX/2021. His company failed to contact me and I paid other debt I was owed. His colleague then called me by the name of XXXX where he was willing to take payment and see if they could work with me, his Manager took over the phone was extremely aggressive and began yelling at me over the phone. He said if I dont pay {$750.00} now he will not take any other payment. I said I would be able to pay the account in full by XX/XX/XXXX when I get paid he said " I dont believe youll be able to pay that in full if you cant pay {$700.00} now all i need from you is your lawyers information. '' Again unwilling to work with me to pay the debt and will not take payments. They failed to called me XX/XX/XXXX to pay it in full they are now threatening to take me to court if I dont pay they amount they want where I am willing to pay but they are unwilling to accept any payment at all from me. He began to further yell at me and threaten me over the phone where I dont feel its okay to be treate that way when I am trying to pay the debt but they wont allow me to? It makes no sense! I can make payments but if its no the amount they want they wont accept my payment and then threaten me they will take me to court and belittle you over the phone. No one should be treated this way its abusive!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
After a string of robberies, including a few at gunpoint, I decided to move out of XXXX XXXX  XXXX. I made this decision after Management refused to move me up to the 2nd floor or higher in the interest of safety since most of the robberies took place on the 1st floor where I lived. They kept making promises to move me and never did. On XX/XX/2018 I gave up the keys and moved out. On XX/XX/2018, they sent me an inflated " Interim Bill '' of {$4800.00} which was totally ridiculous and out of spite. I indicated to them that I will not be paying the bill because it is inaccurate and exaggerated. On XX/XX/2018, they allegedly sent over the " Final Bill '' to Fair Collections and Outsourcing in the amount of {$4000.00}. 

Here are the contradictions between the interim and final bill : 1 ) The final bill has a balance of {$4000.00}. The only way the final figure would have been reduced is if I had made a payment. I did not make any payments, I refused based on inaccuracy in the first place. Under the circumstances, the final bill should be either equal to or more than the interim bill, unless someone somewhere is just cooking up figures out of spite and makes an error along the way. 

2 ) The interim statement correctly indicated that I gave up the keys and moved out on XX/XX/2018. However, the final statement indicates that I moved out on XX/XX/2018. How exactly did I move out of an apartment 36 days after giving up the keys? 

The entire thing makes no sense and is consistent with mal-practice. The collection company has been made aware of my observations and have refused to discontinue reporting this inaccurate item on my credit report. 

I also went a step further and requested a verifiable letter from an individual with original knowledge of the debt who can testify that the debt ( whichever figure it is ) was not used to receive a tax benefit or in an insurance claim. They flat out ignored that request. Interestingly enough, the lease at XXXX was a joint lease with " person A '' and Myself. " Person A '' wrote a letter to the collections company highlighting these very same observations, after which they quickly replied to apologize and discontinued reporting. Why then should it stay on my report? " Person A '' and myself were equally liable on that lease. You add it on her credit report, you add it on mine. You remove it on hers, you must remove it on mine. The same reason for removal applies to both.

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 2021-03-18 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: TN

Complaint narrative:
On XX/XX/2019, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted 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 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
My stimulus payment was deposited into an account I did not recognize. WHen I reached out to the Irs  they gave me a bank institution name and acct and routing number. Unfamiliar with XXXX XXXX  I called the location to try and track down this account opened using an old address and my personal info. WHen I was able to reach someone they said it was a cash app account and that i had to contact co but that they did see the account as open. when I got ahold of someone at cashapp regaurding this myseterious account using my personal info and account info I was given I was told i could not have access because i did not have telephone number or email associated with that account, When I asked for them to close the account i was told they were not able to. even though i offered to give id and any other form of verification needed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
This company continues to report an auto loan that was included in a bankruptcy almost six years ago. They are currently reporting 120+ day late payments. There are several inaccuracies also being reported and I need the account removed from my credit reports immediately. The date the account went delinquent is also incorrect. They have it reported as XXXX. This account was due to be removed from my report this year but then they changed to date and continue to report late payments. They have continued to report false information. This is a predatory lender with several claims and lawsuits already filed against them. They must be stopped from doing this to people.

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 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I was a victim of fraud when 3 transactions were made in my name without my authorization, they were for XXXX and XXXX dollars, I knew it because the bank sent me a voice message, when I called them they explained the situation to me, they blocked my debit card and they started the investigation.On XX/XX/XXXX they told me that everything indicated that I had made these transactions and therefore they would not return my money, I believe that the investigation was not deep enough and that the security failed because it was the transactions were the same day with very little difference and no suspicions arose after the first one, notifying me when the damage was done, these conviction was reported by me by phone to the bank.Ihave communicated with consumer attention and with the police where I made a report andwith the company that received the money, hoping this can be solved.The bank is Chase and my name is XXXX XXXX Phone XXXX, email XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CERTIFIED COLLECTORS, INC.
State: TX

Complaint narrative:
CCI continues to use illegal actions to collect fraudulent 'debt '. Most recently, CCI sent another letter dated " XXXX XXXX '', whenever that is ..., threatening me again with damaging my credit score for {$2600.00} on account XXXX. This is what I am assuming is a combination of 2 different illegal attempts previously from CCI to steal money from me. One for {$180.00} and a different one for {$2400.00}. 
The illegal attempt to steal {$2400.00} from me was disputed in writing on XX/XX/XXXX. CCI has yet to respond to this dispute, and well outside of their required 30 days, with verification of the debt or any further communication until this new threatening letter I received in XX/XX/XXXX that may or may not be related ( there's no details within the letter to know what the value they are trying to steal is related to, I can only make assumptions ). 
The illegal attempt to steal {$180.00} from me was first disputed in writing on XX/XX/XXXX. CCI responded to this dispute with another copy of the bill ( that doesn't even indicate what products or services the bill is charging me for ) on XXXX XXXX ( again, well after their required 30 days ) that did not provide verification of the debt or even remotely address the dispute. I sent a second dispute letter to CCI on XX/XX/XXXX providing overly clear description of the dispute and explanation of why the debt was invalid and illegal. CCI has yet to respond to this dispute, and well outside of their required 30 days, with verification of the debt or any further communication until this new threatening letter I received in XX/XX/XXXX that may or may not be related ( there's no details within the letter to know what the value they are trying to steal is related to, I can only make assumptions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: TX

Complaint narrative:
XXXX Not mine or No knowledge of account successful 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 2021-03-18 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: TX

Complaint narrative:
XXXX  Not mine or No knowledge of account 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 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I opened dispute for {$140.00} with capital one for a purchase that i never receive online order. I never received by merchant it said it was delivered I did contact the merchant and reported this matter. They did nothing. The company never send my me a replacement or refund. Upon asking they keep asking for a PROOF report. I open disputes with my bank capital one and provisional credit was given but on XX/XX/XXXX they took the provisional credit from my account. I called and asked why they're customer service is wrost in thier fraud department. This woman don't know what she doing. Upon speaking with manher she also lied that someone get back with me 3-5 business day I have called multiple times and want to talk to my case worker all I get is someone FROM BACK DEPARTMENT WILL CONTACT IN MY EMAIL???? What! It been 2 weeks I never heard from anyone i have wrote multiple emails myself and never heard back. All I was told that they finished my dispute saying the package was delivered. The case is close?? I'm trying my best to explain this matter to this bank. But I don't have the package either it lost or stolen?? And they never send me replacement or refund. But bank went with that statement and never helped me get my money back??? This is wrost way to handle a dispute. And the only Communication through email??? I need my lost money back from this company???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is nearly impossible to work with.They have different portals for each product, passwords NEVER stick and then when I try to reset to gain access to MY OWN CREDIT INFORMATION their website errors. 

I literally have to reset my password every single time I log in. I never have this problem with XXXX or XXXX  and it is extremely frustrating how hard to is to access my own credit information with their products. 

What's more ... is when I can get in, the try to charge you for access to your own information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Between XX/XX/XXXX and XXXX, 2021, about {$350.00} worth of charges were made on my credit card at highly suspect merchants. These included nearly {$140.00} for pizza ( I have lactose intolerance ) and three separate small charges at air vending machines for tires ( I do not own a car ). My card was not stolen, but I believe my card number was duplicated as at least one of the merchants mentioned a physical card was used ( XXXX  ). My bank, Bank of America, has stated after nearly a month of being in " investigation, '' that they are denying my fraud claim. The reason they gave is that a card was present for each of these transactions. The list of fraud charges are below. The most striking part I notice is the three separate small charges at air vending machines, and a soda vending machine. These are all small amounts, typically used to test a stolen card before making bigger purchases. 

XXXX XXXX Wa " XXXX '' [ Phone XXXX ] XX/XX/2021 {$140.00} Note : I spoke with XXXX, Store Manager. She said fraud is pretty common at this store, and they have seen chip fraud. They had not been contacted by BofA at all. 

XXXX XXXX XXXX XXXX WA XX/XX/2021 {$10.00} XXXX XXXX XXXX XXXX WA XX/XX/2021 {$2.00} XXXX  [ Store XXXX XXXX XXXX XXXX, XXXX ] Card was used at XXXX at the electronics register XX/XX/2021 {$55.00} XXXX  XXXX XXXX WA [ Phone XXXX ] XX/XX/2021 {$130.00} XXXX  XXXX XXXX XXXX XXXX WA XX/XX/2021 {$1.00} XX/XX/2021 {$1.00} XX/XX/2021 {$1.00}

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