vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX Experian opened my dispute for account XXXX XXXX XXXX XXXX They updated it on XX/XX/XXXX stating this account was REMOVED from my credit report. Then on XX/XX/XXXX they reinserted this account to my credit report with no explanation or did NOT send me a notice 5 days prior to the reinsertion and that is a FCRA violation. I have sent them countless letters asking for an explanation and to validate this account to make sure it is accurate and I feel like no investigation is being done correctly as per FCRA guidelines.

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 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I initialed a wire of XXXX dollars on XX/XX/2020, and its lost. My receiver never got it. Its was simply a money repay and I provided these information so many times. I sent at least 50 chase message to the investigation team and they wont even track the money for me. They just keep giving me nothing important messages, and not helping alt all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: AZ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. Over 50 days later i have not received a response and i feel I'm being taken advantage of because they're ignoring my disputes. Section 611 ( a ) clearly states if failure to investigate these items within 30 days they should be removed. It's been over 50 days and I demand they be deleted immediately or I will seek litigation. My information was impacted by the Equifax data breach and may have been in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Identity thief has been impersonating me to XXXX  for over a month. She closed a card I had with a {$10000.00} credit limit, without my consent, causing my credit score to drop XXXX points.

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 2021-05-31 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: GA

Complaint narrative:
According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Identity thief has been impersonating me to Experian for over a month. She closed a card I had with a {$10000.00} credit limit, without my consent, causing my credit score to drop XXXX points.

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 2021-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I Have made multiple attempts to have this account taken off my report their is a Breach JJ Marshall sent me a letter that violated Hippa Law The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. You may be held liable for your actions Please note that the these liabilities are under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX XXXX XXXX XXXX XXXX as issued XX/XX/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 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On the afternoon of XX/XX/2021, I was informed that Coinbase support has temporarily disabled my account because I may have been a victim of a possible scam. This was quite odd that this happened on the day after I submitted a trade on XX/XX/2021, to buy {$3000.00} cryptocurrencies. I replied later in the day that I did all the necessary precautions like antivirus scan and reset my password. I replied and several times later to restore my access to my account. I even filed a complaint with Coinbase support on XX/XX/2021, that they have not replied and still no action from them. Support did ask me to tried login in few times but still said disabled. They reply that an account specialist will reply with 4 to 5 business days. It has been a month and not action from them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I filed a dispute for the incorrect items on my credit report its been more then 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I did numerous attempt for them to validate this debt and if this was done legally in my state ask for proof of sale and ammount sold to they send me 4 times nothing related of what i ask for and if they have the legal right to collect in my state the last letter i send them specifying what i needed as show in the upload picture of what they send me is more then 120 days of requesting a validation of collection under my name and contract of sale i will upload proof supporting my request. I send enough evidence of my indentity and i try communicating with them by mail ever since

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 2021-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Letters were delivered certified mail to Santander Consumer USA XX/XX/2021 and I have confirmation it was received. Santander Consumer USA has failed to validate the debt as well as cease any and all illegal activity. I've yet to receive a response and Santander Consumer USA is still reporting on my consumer report which is in fact ruining my reputation. I have not given consent to, authorized nor benefit from this account. As a consumer I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: AZ

Complaint narrative:
I have received a letter claiming to be a debt verification letter from Nationwide recovery systems , Ltd on behalf of XXXX XXXX XXXX XXXX, XXXX. The letter is just a bill and doesn't prove anything. I need them to validate the debt according to the Federal Fair Debt Collection Practices Act ( FDCPA ). On top of that, this is the 2nd time XXXX XXXX XXXX XXXX has tried to come after me on this allege debt as per compliant ID XXXX. This is harassment and violates the Federal Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved. I am submitting this complaint on behalf on myself. I sent a letter about validation of debts. Consumer reporting agency have not carried out their responsibility ordered under the law. They are in violation of 15 US Code1692 ( g ) ( a ) ( 5 ). I request for them to send the original documents from creditor. They have not provide no information to me about no original document I have sign. Section 611 ( a ), it is explain that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report. It has been more than 76 days so they have to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.

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 2021-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, Chase charged an annual fee of {$140.00} related to Southwest Rapid Rewards Priority Credit Card where primary benefits of card are related to air travel on Southwest airlines. In the vast majority and halfway thru XXXX, these benefits have effectively been useless as most including myself have chosen to abstain from air travel due to Covid. I have requested numerous times to please waive this fee for the year as the primary benefits were unusable. They have declined and I believe it unethical to charge for benefits that were mostly unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was double charged for a purchase on my credit card after also paying for the item with a XXXX gift card. The total amount of the purchase was {$160.00} and paid with {$150.00} gift card and the remaining {$12.00} on my credit card. However, XXXX took the money off the gift card and charged my credit card. 

I contacted XXXX and they said they would reverse the extra credit card charges, but didn't reverse them. Then I submitted a dispute to Citi Cards sending all the receipts and correspondence with XXXX to the credit card company. This includes e-mails from XXXX stating the charges were in error. Citi cards denied my dispute even though XXXX didn't provide any evidence to them about the double charges ( only shipping information on the purchase ). Citi cards said could continue escalate the dispute if I sent them all the information I already sent them again, which I have escalated but shouldn't have had to resend.

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 2021-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: AZ

Complaint narrative:
I have received a letter claiming to be a debt verification letter from XXXX XXXX XXXX XXXX XXXX on behalf of Pendrick capital Partners II, llc. The letter is just a bill and doesn't prove anything. I need them to validate the debt according to the Federal Fair Debt Collection Practices Act ( FDCPA ). On top of that, this is the 2nd time Pendrick Capital Partners II has tried to come after me on this allege debt as per compliant ID XXXX. This is harassment and violates the Federal Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.

Complaint narrative:
I am the beneficiary of a checking account at PNC Bank. The account holder is deceased and I have submitted official documentation of their XXXX to PNC. 
PNC has not responded to me. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I filed a dispute for the incorrect items on my credit report its been more then 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I filed a dispute for the incorrect items on my credit report its been more then 30 days.

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 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
Hello, This is a formal complaint about the crypto currency exchange that is Coinbase. Coinbase has locked me out of my account and done nothing in the slightest to help me resolve my issue in the last month except for templated emails and useless responses. On XX/XX/XXXX I locked my account due to an accident concerning the changing of my dual authentication for the website. 
I then emailed coinbase support to unlock my account while giving them the necessary details. They responded to me fairly quickly the next day saying they have passed it on to specialists and will get back to me within 4-5 days. 9 days then pass and I make another support ticket only to be merged with the first ticket I created, saying that they would get back to me within another 4-5 days. I have since emailed them three times every few days asking for assistance or updates, to which nothing happens. I am almost positive I have never been into contact with a real human and am just receiving automated messages. It has now been almost a month and coinbase is illegally holding my money and refusing to cooperate with me, as well as thousands of others. I hope that this can be resolved in a timely manner, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a Home Depot credit card last year. I saw some purchases I did not make. I contacted the Home Depot security office twice and they denied my claim. I faxed/ mailed them several times my ID and police report however they keep telling me that they have not received any documents. I have proof of the faxes and letters I send. They keep making excuses such as that I didnt include my account number or fraud claim number ( when I did ) or they keep giving me different fax numbers. I asked for an explanation and if the purchases were made in store or online. At first, Home Depot said the purchases were made in store then I asked for them to check the security cameras. Then they changed their story and told me that the purchases were made online. Its been several months and I hadnt had a fair resolution. They just call me day and night to remind me to pay the bill sometimes their associates are extremely rude. Even if I block the number they call me from different ones. When I try calling customer services they just transfer my call to different random people for two hours straight to finally hang up on me. This situation is been so stressful for me. Ive done everything they asked me for. However now my credit went down significantly and I was trying to built my credit to buy a house soon.

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 2021-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted dispute letters to XXXX, Equifax, and XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about many accounts that I believed were reporting inaccurately and/or fraud. Each agency has failed to reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ) ... .... deleted the account due to the inability to verify that the information on the account is mine and accurate, yet this account is still reporting to my credit report from your company. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide in FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so please block and remove this account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. The original creditor before transferring my loans to XXXX has five reporting accounts on my reporrt. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount. 

Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. They marked me late and that reflected on my credit report before the loan was transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I got a loan for XXXX. Now they keep calling harassing me for XXXX XXXX I juts got evicted because I couldnt pay rent, How can I pay a loan triple what I borrowed

Company response to consumer: Closed with explanation