vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-22 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: NJ

Complaint narrative:
On XXXX XXXX, 2017 I was charged {$2600.00} from XXXX XXXX XXXX.
<P/>
This purchase was made by my business partner. I did not authorize this transaction.
<P/>
I contacted the company to explain them that this order needed to be canceled. They refused to cancel the order Because they said it had already shipped. I then contacted my bank Chase and disputed the charge with them.
<P/>
Just to note, no item was ever shipped.
<P/>
Chase provided my account with a temporary credit immediately upon issuance of the dispute.
<P/>
A couple months later I noticed there was a claims reversal. After noticing that I contacted Chase claims department and inquired about why my claim was reversed. They explained to me that my dispute was entered as a fraud claim stating that I Did not authorize, nor was I aware of the charge.
<P/>
Which is incorrect because I was aware of the charge but I just did not authorize it as I stated my business partner used my card without my authorization.
<P/>
Now being about two days what months after the original charge. I now asked the Chase dispute representative how could I possibly be charged if they never even sent me the item.
<P/>
The representative told me he would re-issue the claim as items never received or shipped. Just today I noticed a claims reversal again of the {$2600.00}. So I contacted chase claims department and was told my claim was denied because the original claim was put in wrong. And that the second claim never held any substance being they went off of the documentation of the first claim. I asked if the merchant was required to prove that they sent it to me knowing nothing was ever sent. The representative respond that they did not have to provide that documentation.
<P/>
I am extremely disappointed with this process and left wondering how could I possibly have been charged over {$2000.00} for item I never received it was never shipped. I asked Chase to put in a dispute again and they told me it was past the deadline to issue another dispute. I told the representative all they had to do was request the merchant or company to prove it was sent via tracking for signature of receiving the item.
<P/>
I hope there is a way to dispute this moving forward. If there is any advice or help you can offer To resolve this matter. I would greatly appreciate it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
XXXX XXXX, XXXX I was trading on XXXX ( XXXX ), a regulated US based crypto currency exchange platform. I was margin trading Ethereum/USD at the moment. Then there 's a huge price slippage happened and bring the price all the way down from $ 310+ to {$.00} in a matter of seconds, this slippage caused hundreds of margin order liquidations and sold my total ether holding as well as my wife 's on the exchange ( around 2100 total eth ) at {$.00} dollar per ether. The price then recovered right back to where it were $ 300+ quickly. I suspected that this is a huge market manipulation as well as some major technical issues on XXXX 's end. Other crypto exchanges did not experience this price crash during the time. Additionally, during the time the price was crashing, majority XXXX users were unable to login including me, in order to minimize our losses. Currently based on their XXXX feed, their VP claimed that their trading engine was working properly and no wrong doing. This is not acceptable and hundreds of ( if not thousands of ) users were affected. XXXX XXXX XXXX statement : XXXX : XXXX Offical XXXX forum affected users posts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On  XXXX / XXXX / 17  I activated the mobile application "  XXXX  '' on my cellphone, in order to use this app it requires information from my Bank Of America checking account to be released. It is now  XXXX / XXXX / 17  and Bank of America has not cooperated with my request to release the information to "  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 2017-06-22 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: LA

Complaint narrative:
I disputed a company with all XXXX major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all XXXX bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XXXX/XXXX/17 XXXX verified as my debt, but on XXXXXXXX/17, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the XXXX  response of verified. Please help me on this matter.

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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed a company with all XXXX major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all XXXX bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XXXX/XXXX/17 XXXX verified as my debt, but on XXXX/XXXX/17, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the XXXX  response of verified. Please help me on this matter.

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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: GFS II, LLC
State: MI

Complaint narrative:
Gateways finical insttution llc forage me from the debt i.got a letter stating so but they refuse tomake it right along with other creditors on my account ny identy was stolen several times down south b  4 i  moved here 10 years ago and some items still remains from when i moved from down south

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: FL

Complaint narrative:
On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX. XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact Transunion XXXX/2017, XXXX2017, XXXX/2017, XXXX XXXX/2017, XXXX/2017, XXXX/2017 and XXXX  XXXX/2017 to help me resolve this issue with XXXX XXXX. All XXXX bureaus gave me the run around and all I wanted was an honest investigation.

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 2017-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: TX

Complaint narrative:
Because of relocation, I have to leave college for a couple of months, so I contacted my Lender Great Lakes to inform them about the situation. Since, I experience a dramatic reduction on my income, I express my interest about the Income Driven payment plan. At first, the representative mentioned several disadvantages about the program and implied that the income driven plans was not a good option. However, I made up my mind before I called them, so I reinstate my choice with the representative. He asked me some couple questions about my income and current employer and asked me to filled up and application, which have to include my last pay stub and Great Lakes application. I filled out the whole application and attach my most recent pay stub. Then, 15 days latter I got an email requesting a pay stub with my gross income, name, and social security as well. It is not company in the US that is going to reveal the entire social security number on a pay stub. Yet, it is a liability to reveal such a important information on a document, which is only for tax and verification purposes. At this time, I can not afford the regular payments, but Great Lakes do n't understand how the real world works. It seems like their main goal is to push borrowers into loan default. I called them already several times in order to resolve the situation. However, representatives over the phone do n't have any clue about a possible solution, nor it impossible to have a loan specialist called back.Indeed, these are illegal practices towards students.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient is hiring part time employees and giving them access to sensitive information. These part time employees are then copying customers personal information and using it as a tool to threatened their customers. Navient have an employee by the name of XXXX XXXX who gained access to my information and informed me by reciting the last 4 numbers of my social that she knows my information. She also said that I do n't know what she is capable of. I have XXXX XXXX who lives with me and being that this person has gained access to my personal information I know feel that my safety and my daughters safety is in Jeopardy. I spoke to a police officer about my concern and was told that since does not fall under the domestic violence umbrella there is really nothing I can do which explains why I am reaching out to you for your assistance. Please help put a stop to this.

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 2017-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
A debt collection agency called Convergent on XXXX XXXX 's behalf sent a letter to my address, addressed to someone else indicating monies owed. When I contacted Convergent they stated my social security number was used in opening an account with XXXX XXXX. Convergent directed me to contact XXXX XXXX directly, which I did. XXXX XXXX confirmed that the delinquent account was opened with my social security number. XXXX XXXX told me I need to sign an affidavit indicating my social security was fraudulently used via identity theft. It should be their responsibility to confirm accuracy of any information provided to them when opening accounts. <P/>Letter dated X/X/17 seeking amount owed {$810.00} and total balance of {$810.00} XXXX account # on letter : XXXX Connvergent Account # on letter : 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 2017-06-22 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: National Credit Systems,Inc.
State: AZ

Complaint narrative:
National Credit Systems is showing up as a XXXX collection account on my XXXX Credit Report. It was showing on all three of my credit reports but XXXX and XXXX deleted the incorrect information from my reports but this continues to show on my XXXX report. I have disputed this over and over and given all of the information that I have gotten which is not very much. I called National Credit Systems on XX/XX/XXXXat about XXXX while waiting for a doctors appointment spoke to a few people. ended up speaking to Mr. XXXX. He looked every way that he could in his system under my and my wifes social security numbers. He said you are not in our system. Which makes sense because we dont owe any money. We called National Credit Systems again on XX/XX/XXXXand recorded the phone call. They looked up our social security numbers and said you are not in our systems if either of you had ever owed us money you would show up in our system. There is nothing that we can do for you. We disputed with XXXX and they say verified then the next time the added a statement. that is not acceptable. The original creditor listed on the XXXX report is XXXX XXXX in XXXX OH. We did live in those apartments but our lease ended on XX/XX/XXXX. We did not owe them any money when we moved out. In fact they returned our deposit to us. When we called them they said that the company was sold in XXXX and they have no prior records. We applied to get an apartment they told us no because this was on my credit report. National Credit Systems says I dont owe and there is nothing in their system but somehow this was reported to the CRAs. XXXX says verified. We have been fighting to have this incorrect information deleted for over 6 months with no help from National Credit Systems or XXXX. National Credit Systems says they cant help me but from what XXXX Says they reported and verified the collection debt. We have put earnest money down on a house and are scheduled for an appointment with our Mortgage Lender on Friday XX/XX/XXXX at XXXX. And this will affect our getting mortgage and the kind of rates we are offered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Bank, XXXX, XXXX Bankruptcy Chapter XXXX, XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX XXXX, XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XX/XX/XXXX and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, Equifax XXXX,  XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX to help me resolve this issue with XXXX XXXX. All 3 bureaus gave me the run around and all I wanted was an honest investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017 and Experian XXXX/XXXX/2017 to help me resolve this issue with XXXX XXXX. All XXXX bureaus gave me the run around and all I wanted was an honest investigation.

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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
A past account XXXX XXXX XXXX XXXX was deleted from my credit file XXXX XXXX. The original creditor was XXXX  XXXX XXXX. The amount is XXXX, XXXX The account has reappeared under XXXX XXXX XXXX, in XXXX XXXX. Experian refused to provide documentation of the deleted account. but verbally acknowledged the account was previously deleted but allowed XXXX XXXX XXXX to enter this account on my credit file again. This is not a new account as I have communicated this to Experian customer service and supervisor ( s ) several times via phone call. I have also explained the debt is currently being paid under XXXX XXXX XXXX which is a consolidation of all student loans which include XXXX XXXX XXXX  Documentation has been sent Experian via U. S. postal mail service. Experian has informed me the company does not have a fax number. Experian downloading website for sending documents for disputes does not function. I have tried for eights months to load documents on the website and all instructions and criteria were followed and documents do not load. Documentation has been sent certified mail but returned. This has been ongoing for couple months. A complaint was sent to the Better Business Bureau as the account remains on my credit report

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