vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 at XXXX am and also at XXXX am I received a text message on my phone that there were XXXX payment transaction pending on my Chase account through XXXX ; first payment was {$1000.00} and second payment {$800.00}. I realized that those were payments not authorized by me. To my account no one had access at any given time and also at the time of those payments were being made, I was alone at home. Around XXXX am I changed the password to my Chase banking account on my computer and at the same I tried to reach the Chase online customer service to stop those XXXX unauthorized payments. I was on hold for XXXX minutes, there was no live response from bank site. I tried to call XXXX more time at XXXX : XXXX am while I was on my way to Chase bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Before XXXX am, I was in the bank and Relationship Banker XXXX XXXX XXXX XXXX identified my personal ID and checked the account and told me that those XXXX unauthorized payments are pending. I asked her to block those XXXX unauthorized payments. She called the claim service and they turned off the online access to my Chase account. The Chase bank did not block those XXXX unauthorized payments which were still pending. I was told that the claim was submitted and the bank will refund the money for me. After XXXX months of waiting and not receiving any letter confirmation from Chase bank about my claim results, I called the online customer service and was told that my claim was denied. Chase bank told me that those XXXX unauthorized by me payments were send from my device, what is impossible. 
I reopened the claim, current claim # XXXX, I also contact local police - XXXX  XXXX XXXX police report # XXXX. I also reported the scam to FBI. 
On XXXX of the unauthorized payment was made to the person named XXXX XXXX with phone number XXXX, second payment was made to the person named XXXX XXXX with email XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my acount for no reason and will not help me with getting it back up. 
I am not sure if this is some mistake or what really happens Im very poor and this money I received ( XXXX ) will help me a lot and I really Can not wait XXXX  days to get my money cause I just need this money now, to get some food and to live as decent possible. 
I think they are not doing his job properly doing this with a familly mother My e-mail linked in Paypal is XXXX Please help me to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I sent debt validation letter to portfolio recovery in XXXX. I haven't received anything back from them validating this debt. In the attachment document you will see what they sent me on XX/XX/2021 which is not validating the debt and I want this removed immediately from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXXSynchrony Bank changed my account billing preferences to " paperless billing '' without my consent. I have a screen shot as documentation of this change to my account. This resulted in no bills being sent to my home. Synchrony Bank reported my account delinquent to the credit bureau and cancelled my credit card when the payment was only XXXX days past the due date. I never received a letter or call about the alleged account delinquency. I have had this account since XXXX with exceptional payment history and have a XXXX XXXX XXXX of over XXXX. When I called Synchrony Bank on XX/XX/XXXX after my card was declined in a XXXX XXXX  store, the representative with whom I spoke was very rude and would not provide all the details about billing I requested. The balance on my account has been increased from {$160.00} to {$200.00} due to late fees and interest. My reason for this complaint to CFPB is due to Synchrony Bank changing my billing preferences without my consent, not sending me bills or any letter stating my account was delinquent. This is simply an unfair business practice and a very poor way to treat a customer of over XXXX  years who has exceptional credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP
State: OH

Complaint narrative:
I have a mortgage through Valley national bank. I've been making payments online for the last XXXX years. I tried making a payment about XXXX  months ago and received an error basically letting me know that I could have made my payment online. I called in and they weren't able to tell me why I couldn't make my payment online. So for the last XXXX months at this point I've been calling in to make a payment because I can't make them online anymore. Today I try to make my payment because it's due... .my payments have never ever been late and when I called in to customer service the customer service representative said that her manager told her that she couldn't take my payment. This is odd to me because I've always made payments with the company and since I've not been able to make them online I've been calling in to make the payments. They would not help me. I am uncertain of how to get this resolved as when you call in, you have to wait for at least XXXX minutes to speak with someone. I am simply trying to make a payment. They have made changes to my payment processing and failed to notify me. It is as if they are trying to make me payment late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
The XXXX  time my debit card has been declined and I have money in my account. USAA continues to put unwanted and unauthorized restrictions on my account. This is the XXXX time. The XXXX  time it was a deposit only restriction, now USAA put a credit only on my debit card. I did not authorize this, again. Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NE

Complaint narrative:
i have a Coinbase XXXX  account and in it was a balance to use for trading, selling, buying. Beginning XXXX 2021 I had a XXXX balance showing to use by Coinbase. all the sudden since XX/XX/2021, I have received emails stating I was unable to cash out any of the balance and owed. so, I waited, but needed to add more since the amount showed was unusable and added on XX/XX/2021, my own bank transfer of XXXX  since I was unable to use or cash out on the XXXX balance showing. I agreed to have Coinbase take what was theirs, and they instead took XXXX  total within 7 days and said I owed them that, i have emailed through the form online to have fixed and no response. my concern is the inability to use the original amount XXXX total, as if it was unaccounted for and they were not truthful and had used fake figures to take my money and not pay out my account when asked. plus, prior to the XXXX which i rightfully did not have on the owed amount of XXXX, I was seeing a lot of error try again later on the platform Coinbase uses, they took this as well. also, locked out for no reason or measure. I feel like i was frauded and stolen from. I just want the money i deposited and gained from Coinbase stock trades, refunded and the company to be exposed for fraudulently giving my money a false hope gain and their cash in and outr as willed figure be paid to me at my own time. like stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I want them to delete that from my Credit that affects me my credit they request credit without my authority

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CA

Complaint narrative:
I am filling a complaint today in regards to a collection notice that I received from ACI ( American Coradius International ) LLC Phone # XXXX in the amount of {$1100.00}. This debt collection is from a fraudulent charge/ purchase ( I assume ) that was made on XXXX XXXX XXXX XXXX my name and SSN. I reached out to XXXX regarding this matter so they have been made aware of my dispute. The representative at XXXX ensure me they will look into this matter further and suggested I create a police report. I contacted my local law enforcement and they suggested I file a complaint with XXXX and that they could not do anything because the suspect is not local. XXXX also provided me with a phone number for law enforcement to reach out to for more details into my case/ their investigation. The number is XXXX ( XXXX ) XXXX. The debt in question is associated with a XXXX account number ( XXXX ) that I am not aware of and have never used but is using my name, address, and SNN. The only difference is the email address. The representative I spoke with at XXXX would not provide me the email address associated with the fraudulent account and said they could only provide that information to law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ

Complaint narrative:
On XX/XX/2021 I contacted General Business Recoveries , Inc. to inquire about a letter that stated that my husband and I owed the company XXXX XXXX XXXX XXXX XXXX an amount of {$770.00}. I spoke with XXXX XXXX. I told XXXX that my husband and I have not received dental care in approximately XXXX  years and we did not recognize the company or amount owed. XXXX said that I have multiple accounts owed and that the amount of {$770.00} was a subtotal. I asked XXXX about the letter stating that I owed the dental company and she said " Oh thats an old account, don't worry about that account. I then asked XXXX if her company had sent me a letter stating that I owed a specific company a specific amount. XXXX then got very aggressive with me and said " Then I will open the old account and you can pay on that one to. '' I told " I am having a XXXX  surgery in a month and I will send you a dollar a month XXXX. '' I then ended the call by hanging up on XXXX. I do not appreciate being sent fraudulent information on a letter " In an atttempt to collect a debt. '' I do not appreciate being threatened when I called to confirm a false letter that this company sent me. This company does practice fair collecting procedures by sending misleading and inaccurate information and then threatening a client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I want them to delete that from my Credit that affects me my credit they request credit without my authority

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I know according to the Fair Credit Reporting act consumer reporting agencies have the sole responsibility in reporting 100 % accurate information. Upon looking over my credit report I noticed alot of inconsistencies that aren't 100 % accurate. 

Please Update my consumer report as follows...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I checked my account and there are multiple inquiries I do not recognize XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$3500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names XXXX XXXX XXXX Incorrect Address : XXXXXXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
In XXXX of 2021, I was contacted by Credit Collection Agency for a debt of {$480.00} with XXXX XXXX XXXX. At that time, I requested a debt verification letter. After requested, the debt was was never removed from my credit report at the time of dispute. It is now XX/XX/XXXX, and I still have not received a verification of debt, and it has been on my credit report the entire time since Ive disputed. I called the original company who the debt collection services is representing ( XXXX XXXX XXXX ), and I was told they have no records of any collections or past due balances at all. This is affecting my ability to get a mortgage. I asked for copies of the phone recordings and was told by a supervisor that they record for training, and are not required by law to record the conversation or give me a copy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX, XXXX, XXXX XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XXXX XXXX 2021 my credit cards usage went up {$160.00} on XXXX of my credit cards and {$25.00} on another. transunion dropped my score XXXX points. on XXXX the balance on those cards decreased {$330.00} and {$170.00} but my credit score only increased by XXXX points. with no other changes. in my opinion this is a predatory action by transunion. it absolutely makes no sense why my score did not double or even increase by XXXX points if my balances decreased by more than double. after a long conversation with transunion they could not explain why my score did not go up more. they literally could not explain it. can you please advise what a consumer should do in this case.

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