vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2021 at XXXX I received a text asking if I attempted to send money through a XXXX transfer. The text began with CHASE FRAUD. I responded " No ''. I tried calling the bank because I was very concerned and they were not opened so I called the number that sent the text. They told me to go online and log in to my XXXX account and type in the word " reversal '' for both transactions. One was for {$3000.00} and one was for {$2000.00}. I felt ok with doing that because I didn't have to enter in an email address or phone number which is what is required if you are paying someone. I then realized a few days later that this was fraudulent and the money came out of my account. I notified the bank and they said because I sent the money they could not give it back. I continued to call and spoke with a Chase Bank employee who looked at what happened and said someone hacked into my account and created the '' beneficiary '' the work he used titled " Reversal '' and that is why I was able to send the money without entering a phone number or email address. I recorded this call where the bank employee said my account was hacked and yet they have said they will not refund the money. Please assist as to what I can do at this time. By the way in the State of Georgia you can record without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
A manager from Amerisave Mortgage carelessly sent my loan information/disclosures with confidential information to another client email. This client kindly contacted me and informed me of their failure to keep my info secure. She sent by text message proof of everything.

What are my rights when a mortgage company creates this type of misconduct? Can I sue due to breach of confidentiality?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CFW Holdings LLC
State: MO

Complaint narrative:
Never received no where near what they are asking to pay back. Company charges very high interest on a loan that was less than XXXX dollars I believe not. Tried to settle for what was borrowed but no resolution I wasn't aware of total amount they wanted back would have never even bothered because this is robbery .They want me to pay back XXXX for less than XXXX dollars according to my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: NV

Complaint narrative:
XXXX XXXX XXXX IS ILLEGALLY DOUBLE REPORTING THIS DEBT THAT THEY SAY I OWE FROM XXXX XXXX WHICH IS ALSO SHOWING ON MY FILE AS A CHARGE OFF. IT IS ILLEGAL TO DOUBLE REPORT SOMETHING. I WOULD LIKE A VALIDATION OF THIS IN WRITING ALSO

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 2021-09-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
1. On XX/XX/21 I sent a letters regarding inaccurate and unknown things on my credit report. Items from XXXXXXXX XXXX XXXX  and XXXX, XXXX were deleted from my report. On XX/XX/21 after I realized these items came back on my report without me being notified by writing in 5 days which is a direct violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), I immediately filed another dispute.

2. I know that Both XXXX XXXX XXXXs and XXXX, XXXX have incorrect, unvalidated information because things such as the date of last activity, date opened, account status among other things are not identical across all bureaus. They are in direct violation of Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

3. Equifax has 7 derogatory accounts without creditor names on them and medical information! This is another direct violation. How am I supposed to even verify an account if I don't even know who to contact. I also know that all of these offenses should be a {$1000.00} each that the bureaus owe me in compensation. 

4. I feel as if I am being taken advantage of and my disputes are being ignored. They should be deleted they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach. 

I have done my research and I know I am entitled for compensation for these violations and they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOGICOLL, LLC
State: IL

Complaint narrative:
I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) I received a debt collection notice from Logicoll , LLC on XX/XX/2021 and it was dated for XX/XX/2021. The letter stated that I owe them {$300.00}. I have absolutely no knowledge of ever doing business with this company or having any contractual agreements with them, so for them to have my personal information is disturbing and that is a violation of my right to privacy pursuant to 15 USC 1692 ( a ). They have violated 18 USC 1341, Mail fraud against the United States Postal Service. They are also violating a number of my federally protected consumer rights. I AM A FEDERALLY PROTECTED CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was pre-qualified for a second loan from the same financial company which is Capital One and was denied and have a lot of inquiries reported on my credit report and I'm trying to purchase a house and that is not helping. I have called credit bureaus including Capital One nothing can be done about it credit bureau is saying it will be on my report for 2 years unfair and I already have things on my credit report that shouldn't be there so that now, I am not able to purchase a home for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I buy car form XXXX XXXX new car. Dealer finance thru Nissan Moter acceptance crop. I was paying my on time I am never late, also dealers finance guy insist me buy gap coverage I buy that as he Says if in case car total loss then your insurance company pay value at time of incident car price remains will covered by gap company. I had total loss my car on XX/XX/XXXX my insurance company paid Nissan motor acceptance corp {$15000.00} I owe {$18000.00} estimates. I called gap company to calm total loss they paid only XXXX I have to make additional {$710.00} payment. In this matter I call Nissan financial acceptance for reslut this close as fully paid. Theirs customers service agents Make notes to next team never contact me I feel that Nissan moter acceptance and XXXX XXXX XXXX guy I feel lost tress and cheating and wasting my Time Now I need from Nissan moter acceptance form {$7000.00}. Which covers my tress Next time they dont cheat No once

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX I had opened up a loan with Upgrade about a couple months ago and I can NOT access my account to 1 make payments other than my minimum 2 nor see how much grand total I owe after the payments They are charging me every month the minimum but I want to be able to send more but can not access my account I have called customer service 5 times and after being on hold for 30 minutes its automatically hangs up. 
I also have emailed them multiple times and they never respond to me to be able to reset my password or resolve the problem. Twice I have also gotten asked to leave a review for the person thats helped me yet I never once received help when I try to reset my password they say it sends a email and it doesnt. Another issue I saw was that I had aggreed for a loans of XXXX on my XXXX XXXX account it says they gave me a loan of XXXX which Im unaware of I just really need access to my account to be able to manage this and pay it off faster since this company is unreliable and the customer service is terrible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX/MILESTONE GENESIS CC ENDING # XXXX THEY CHANGED FROM ACC ENDING # XXXX. 
ALL HE TRANSACTIONS OR CHARGES FOR THIS CREDIT CARD WERE FABRICATED BY THE CREDIT CARD COMPANY WITH A SECOND CREDIT CARD I NEVER USED.SENT A FAX LETTER ON XX/XX/XXXX TO XXXX, WHICH WAS NEVER REPLIED, AND YET THEY WERE WITHDRAWING PAYMENTS FROM MY ACCOUNT XXXX OF XXXX  XXXX THAT I HAD TO CLOSE BECAUSE WERE WITHDRAWING FUNDS WITHOUTH MY AUTHORIZATION AND MY ACCESS TO THEIR ONLINE SERVICE WAS BLOCKED.STARTING ON XX/XX/XXXX THRU XX/XX/XXXX ALL TRANSACTIONS WERE UNAUTHORIZED XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, AND XX/XX/XXXX XXXX, ETC. AS PER LEGAL ADVICE I ASKED THE BANK TO RETURN ALL PAYMENTS TO THIS CREDIT CARD.THEY CHARGED ME SEVERAL TRANSACTIONS WITH XXXX, SEE LETTER DATED XX/XX/XXXX, WHEN AT THAT TIME I DID NOT HAVE AN ACCOUNT WITH XXXX. 
I DONT OWE THIS COMPANY ANYTHING! THEY DAMAGED MY CREDIT COMPLETELY ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: MD

Complaint narrative:
I applied for two apartments and they stated that I was denied based on my rental history and bankruptcy. I retrieved my SafeRent report and it states that for XXXX at XXXX, I owe {$480.00} from XX/XX/XXXX and {$1100.00} for XX/XX/XXXX. This was paid, I never went to court and the aformentioned apartment complex, I stayed in with a roommate ( who does not have this on her credit report ), we did not renew our lease in XX/XX/XXXX and moved out and paid all and any past due balances. I have rented in XXXX and this was never on my file, why all of a sudden, is this on my file now. I never went to court and was never evicted and have e-mails to show we left on good terms. This is outdated information and needs to be updated. I'm not sure why bankruptcy would show up as if I am currently in bankruptcy when it was discharged in XX/XX/XXXX. I filed in 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 2021-09-29 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: PA

Complaint narrative:
There are a few accounts on my report that I do not recognize

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This bank has called a total of 19 times, Im not the person they are trying to reach. Wrong number or perhaps Ive been givin a phone number of a past customer. However I owe these people nothing.

Im a senior citizen, my calls are lotted, every time they call it goes towards my minutes.

Please have them not call me number any further. Again Im not the individual they are looking for.

Thank You

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 2021-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
This is not my debt and I have never spoken to anyone regarding this debt being owed. Please provide proof with my signature that this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
On XX/XX/21 my Coinbase.com account was compromised. The hacker logged in to my Coinbase account and sent XXXX XXXX and XXXX XXXX to their own wallet. The cash value was {$210000.00} USD. 

The Coinbase.com daily 'send ' limit on my account was {$1000.00}. Sending more than {$1000.00} in crypto should not have been possible. There were no emails, calls, or text messages from Coinbase asking for my approval.

Coinbase has accepted zero responsibility for their role in this fraudulent use of my account and has offered zero help in the recovery of the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I used my BlueBird by American Express to transfer funds from my Checking Account ( XXXX ) to my BlueBird card. I have a {$500.00} limit on my XXXX card for withdraws and needed to withdraw {$750.00} to fix my vehicle. After speaking with XXXX I was able to withdraw the full amount needed and instead moved about {$30.00} into my Bluebird card for my significant other to use. After checking my Bluebird account via their online app I saw the funds were there and available. Today XX/XX/2021 I tried logging into my Bluebird account again and I was locked out. I called their customer service number ( which has no way to get in contact with a customer service representative ) and found out via a recording that my card had been suspended. I checked my email and was sent a generic letter saying that my account was suspended indefinitely for activity that went against " section 22 ( d ) in my membership agreement ''. After looking up the section 22d I am still confused and not able to get ahold of any customer service representative regardless of the several numbers listed on their website. No where in the membership agreement or section 22d does it state what will happen to funds left in the account upon closure. I have had many many issues with the BlueBird by American Express in the past ( My account was hacked into, I was locked out, the App never works and always says the system is down, among many other issues ) I kept this card as a backup to move funds into periodically for use by my significant other and am not upset my account was suspended as this company is troublesome all together, and I would never recommend anyone to get a BlueBird by American Express card. However I would like to be able to speak with a Customer service representative when issue occur but it seems as though this company does not want its customers to get ahold of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX continues to violate my federally protected consumer rights. I am a consumer and natural person. I never consented with EQUIFAX to have or share my personal information. I demand that EQUIFAX immediately delete accounts XXXX XXXX/ XXXX and both DEPT OF ED / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSI Enterprises, Inc.
State: TX

Complaint narrative:
I never received information regarding debt and it is not valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
THESE ACCOUNTS NEEED TO BE DELETE AUTHORIZED USED, OR BENEFITED FROM THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS ( Account Resolution Service ) has not shown or validated that I owe this bill or verified I owe this debt. The company has only provided date of service on XX/XX/XXXX with an outstanding bill of {$1200.00}. This is not adequate proof that I owe this bill. However, I have proof of a XXXX outstanding balance related to the service date of XX/XX/XXXX. Therefore I do not owe. 

I have attached the documentation. 

I wish to have this removed from XXXX, XXXX, and XXXX credit reports immediately and for ARS to stop contacting me. 

Thank you.

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 2021-09-29 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: LA

Complaint narrative:
On XX/XX/2021 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation