vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-13 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: TX

Complaint narrative:
I reported a fraudulent charge in the amount of {$30.00} to a Macy 's store in Florida on XX/XX/XXXX. I pressed them for months to provide an update and resolve the situation since I had never set foot in the store and my card was never out of my possession. Note that the store in question was over 1000 miles away from where I live and I have never traveled to that city. I was finally given a temporary credit on XX/XX/XXXX. A week or two later, I received a letter indicating that the charge would stand and the credit on my account was reversed on XX/XX/XXXX. No details were given to support the decision - signature proof, ID shown ( the back of my card indicates See ID and again never left my possession. To be clear, I have never been to Macys XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, FL XXXX nor has the other authorized user on the account.

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 2019-07-13 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: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/2019 I login to my coinbase account ( https : //www.coinbase.com ) and I notice it says " Account is restricted '' I can not send or sell or withdraw my funds ( money ). It says to contact support and submit a ticket I did that but when I went to support page my ticket is nowhere to be found. I called there support number a few times +XXXX  XXXX XXXX ( US/Intl ) and I get a automated responses to submit a support ticket, each option i choose i get the same response I can not talk to a real person. I have also XXXX on XXXX  to coinbase support about my issue with no response. 

My Coinbase support case # XXXX I was looking online around different fourms and told the best way to get a response from coinbase is to file a complain - " Don't waste your time trying anything else. Immediately file a complaint with the CFPB. It is the ONLY way they will pay any attention to you. There are countless posts just like this and that has been the only solution that works. I was stuck for months, filed a complaint and received help the next day. Takes 5 min https : //www.consumerfinance.gov/ It is ridiculous you have to do this, but despite all the hype, Coinbase continues to be inept at some of the most basic fiduciary responsibilities. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: IN

Complaint narrative:
Lexington Law called me in XX/XX/XXXX, letting me know they could help me get my credit repaired and raise my score. I was in need of credit repair since I had been denied a few places of residency because of bad credit, so I signed up over the phone for {$120.00} and then began paying {$89.00} monthly. 
On XX/XX/XXXX, the charged my debit card to pull my credit report for {$14.00} without notifying me first. I was not aware that they charged separately to do this along with my monthly charge. 
I called mid-May XXXX, requesting to cancel my membership since I no longer to keep paying them monthly. In a little over a year, they had only gotten my Student Loans back on track and helped get a medical bill removed that belonged to my daughter and had been paid by her insurance. The gentleman I spoke with over the phone confirmed that my membership had been cancelled and I shouldnt be charged any further. 
There were two charges that showed up on XX/XX/XXXX, on my bank statement from them. On XX/XX/XXXX, I had two charges from Lexington Law on my bank account, one the amount of {$89.00} and one for {$19.00}. Neither of these charges were authorized. 
I called them at the number Ive always spoken to them on, XXXX, and it rang for 2 minutes 4 seconds. There was never an answer and no voicemail even picked up. 
Ive been unsuccessful with getting in contact with them since to find out why I got charged for services that I never received and still havent been able to find out how to receive a refund for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: NC

Complaint narrative:
The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I deposited my check on Thursday XX/XX/2019. They then told me that it won't be available for 7 days. They then locked me out of my account claming " suspicious activity ''. I called them on Saturday XX/XX/2019 and they said it was because my daily balance is too low and the bank could do nothing to release the funds or help me, essentially saying I'm too poor to access my funds immediately. I explained to them that I live paycheck to paycheck right now and that I need the money to pay for food, gas, and bills. I've had a couple day hold before, but never a full week. Usually it's available immediately. Their hold seems unreasonable and perhaps unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: ID

Complaint narrative:
I have disputed three ( 3 ) collection accounts that Equifax is reporting on my credit file. My most recent dispute attempt to Equifax, XX/XX/2019, included supporting documents which establishes the debt buyer in question ( XXXX XXXX XXXX ) has : re-aged the debt, provided fraudulent documents to establish ownership of debt, more than one collection agency claims ownership of debt, and letter from original creditor showing account paid in full. 

Equifax refuses to delete these junk debt buyer collection accounts from my credit file. My disputes, supporting documents, and demands for evidence are simply dismissed. 

Equifax provides nothing to the consumer as to what exactly is completed in an investigation process. 

If the debt buyer can claim ownership without tangible legal verification and Equifax allows this - where does this leave me as the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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:
I have an account with XXXX XXXX XXXX XXXX which is in collections by XXXX XXXX XXXX XXXX XXXX. I have dispute incorrect payment history as well as incorrect balances with all three major credit bureaus ( Equifax, XXXX, and XXXX ).  All of them have failed to update any information correctly which is against my rights as a consumer. This incorrect information is effecting my credit negatively. I have spoken to the creditor who has sent me a letter that is attached with current balance. I have paid for XXXX and XXXX on time, which is reported as more than 180 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION
State: NC

Complaint narrative:
Regional Acceptance is a charged off account back in XX/XX/2015, this vehicle was sold at the auction without letting me know that I had the option to purchase it back. I receive no notice of the sale only after what I had to pay, which was {$9900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it XXXX concern, I am writing to report a fraud of {$2600.00} by a woman named XXXX XXXX. I had posted a post on XXXX XXXX page and for sale page about a housing post that I was putting my room on rent. This woman who messaged me asking to rent my place, she said that she would pay XXXX upfront and from that XXXX will be for my deposit and the rest XXXX, I had to send it to her movers. She wrote me a check for {$2800.00}, which I attached below. I added it to my account and when I saw the pending balance, I had sent her the money in multiple payments to some guy named XXXX XXXX, who is supposedly her movers. 2 days later when I check my account the check has bounced out and I message her that her check bounced out and tried calling her but she was using a textnow number ( fake number ). The text messages between me and her are in chronological sequence. You can see from my repeated text I sent in the screenshot below, where the check she mailed bounced, she didn't respond to my texts, I called chase freaking out to report this fraud because {$2600.00} is significant amount of money for someone who is a college student, and doesn't have much savings to my name, and now providing proof. Lastly when chase refunded me the money in the form of a credit, I was delighted that chase made things right for me. I messaged her saying I got my money back and she responded that I am happy you got your money back, proving that she did try to scam me. Also when I researched her name on XXXX she had sent the same text messages to multiple people, and scammed multiple people. I have provided Chase my bank with proof of all the text messages, the check she sent me, the screenshot of the check bouncing out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am very disappointed in the credit bureau closing an account that should have been open and never closed. I have been truly embarrassed about this issue while in the store trying to make a purchase. 

My Rooms to go credit card was open in XX/XX/2019. I was not notified that this account was going to be closed. This account has nothing to do with any previous accounts that was reported as fraud. The Rooms to Go account should have stayed open and not closed. 

This was an account that I did apply for, I would like for my account to be reopened. This was an joint account with my father as a the primary owner. I was not notified of this account being closed closed. 

We are very upset with a decision that was made and we were not contacted about the closure of the account.

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 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I was trying to check for free credit report from XXXX. I was trying to retrieve my score and was referred to Transunion website, where I was asked to provide personal details, credit information to create an account. 
After this credit card information window opened, but no amount was shown and I didn't realize I was making a {$20.00} order. I thought it was part of the registration process. 

Minutes later I realized they charged me {$20.00} and customer service at TransUnion was useless and didn't help saying they don'y do refunds even though membership I was tricked to purchase membership I didn't want and ask for 30 minutes ago. 
This is a fraudulent practice by TransUnion who are not being completely honest and explicit for the services they charge.

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 2019-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fraudulent business practices No available balance after depositing a {$1500.00} check. Stated the funds would not be available for 4 days even with my account only have {$3.00} available balance. This is in an effort to accrue overdraft fees. I ran out of gas on the way to work for my new job.

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 2019-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Thursday XX/XX/XXXX at approximately XXXX XXXX Eastern Time i was purchasing my son a baseball bat on AMAZON.COM - ( i made a mistake by falling for a SCAM - as Amazon and Chase " fake '' promotion ). 

They advertise that i would get 20 % off of the purchase if i apply & use the card. However, they defer / don't approve applicants with great / perfect credit. Their would be absolutely NO reason for them to decline me. 

They scammed me out of the 20 % / about {$100.00}. I am over it, but it drives me crazy as they TAKE advantage of population that doesn't understand how credit companies " get rich '' by consumers that consistently pay the 18 - 22 % interest. 

They know they will get the 20 % back " easily ''. 
So they move my application to a " pending '' status so they don't have to give me the 20 %. 

CHASE TAKES ADVANTAGE it's customers!!!!!!! 

My " feeling '' is that are targeting a select " group '' of consumers that have existing credit card balances with a history of making payments. They are " hunting '' for the people that they can XXXX interest out of. Meanwhile - they put the GREAT CREDIT / no existing high interest debt in a " we need more information '' bucket ... It's a SCAM / discrimination / fraudulent advertising, etc ... 

I am so mad that i was denied, as i have NOT been denied for anything in 20 years as i keep my credit impeccable ... Something is WRONG with this. 

It was an " Amazon Rewards Card '' run by CHASE BANK. 

Chase is the company that is scamming / not Amazon ... I don't know who to turn too ... 

Amazon Rewards Card telephone number ( which is really CHASE ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX  XXXX charged off was paid in full XXXX XXXX charged off was paid in full thru Midland XXXX and gap insurance did not pay after they said it was under investigation and I didn't have to pay anything while this was being settled. My car was stolen and totalled and they didn't go after XXXX XXXX who stole and totalled the car. Gap insurance gave an excuse that XXXX  XXXX  did not provide necessary paper work and they closed my claim after I waited 3 months for them to pay. I was left without a job cause I had no transportation and now I'm paying XXXX a month and they closed the account on me and it wasnt my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I've never received any letters or phone call about my debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: GA

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX which is in collections by XXXX XXXX XXXX XXXX XXXX. I have dispute incorrect payment history as well as incorrect balances with all three major credit bureaus ( XXXX, XXXX, and Transunion ). All of them have failed to update any information correctly which is against my rights as a consumer. This incorrect information is effecting my credit negatively. I have spoken to the creditor who has sent me a letter that is attached with current balance. I have paid for XXXX and XXXX on time, which is reported as more than 180 days late.

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 2019-07-13 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: GA

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX which is in collections by XXXX XXXX XXXX XXXX XXXX. I have dispute incorrect payment history as well as incorrect balances with all three major credit bureaus ( XXXX, Experian, and XXXX ).  All of them have failed to update any information correctly which is against my rights as a consumer. This incorrect information is effecting my credit negatively. I have spoken to the creditor who has sent me a letter that is attached with current balance. I have paid for XXXX and XXXX on time, which is reported as more than 180 days late.

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 2019-07-13 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: Performant Financial Corporation
State: GA

Complaint narrative:
The company, Premiere Credit of North America LLC is collecting money on behalf of the XXXX XXXX XXXX XXXX. Both companies are reporting my account as 180 days past due when that is incorrect. I have made payments and disputed this information with the credit bureaus and the credit company still reports incorrect information to them.

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 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX, is appearing on my XXXX Credit Report and the agency has refused to remove this item

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX is a charged off account back in 2015, this vehicle was sold at the auction without letting me know that I had the option to purchase it back. I receive no notice of the sale only after what I had to pay, which was {$9900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen loans changed recently to phh When I first got this loan at closing they told me no penalties for early payoff and my loan had a cap of 9.99 %. I yearxafter getting my loan they informed me there is a penalty for payoff I opposed and complained. 
No action no answers nothing. 
Now today I get a letter saying that my interest now caps at 14 % This company is out of control. 
How can they change my terms after telling me in person what my terms are?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2019, Sychrony Bank - TJ Max rewards card posted a deliquency on my credit card. Over the phone, the agent explained that it was a {$6.00} charge posted on XX/XX/2019 after my balance was paid off and my account was closed on XX/XX/2019. Without being probably notified, this amount ballooned to {$10.00} on XX/XX/XXXX. The agent told me that this was an incorrect charge but said that she couldn't do anything to for the event to my credit card which could affect my credit score. She simply told me to file a complaint to the credit bureau. She also filed a complaint to the bank on my behalf but still she coulnd't do anything about the credit. I found this as unacceptable customer service from the bank and I don't think the bank tries its best to serve its customers

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