vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I 've received another email from Discover Card in my XXXX email, past emails from Discover Card were unautherized deletions. I do n't and have n't ever had a Discover Card nor any accounts through Discover Card Bank. 
From : Discover Card XXXX To : You XXXX Date : XX/XX/XXXX XXXX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: GA

Complaint narrative:
I sent the attached letter to Equifax on XX/XX/17 requesting an investigation into unknown unauthorized inquiries that have been placed on my report. I have called these places listed and none were able to locate anywhere in their systems where I applied for or allowed my credit to be viewed. I received a response ( attached ) from Equifax that does n't indicate any result of their investigation even well past FCRA time frame allowed for investigation. These inquiries need to be removed. I have attached my Driver 's License and Social Security Card as well. Any name, address, social, or personal information that is on my report that does not match, needs to be immediately removed to be compliant. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The dates for which this loan was applied for was in XX/XX/XXXX. I was signing up for vocational training at XXXX XXXX in XXXX, California. Only went through the admissions and financial aid process. Informed school I would not be attending and federal loan was never used. I have been sent multiple letters in the mail as recent as XX/XX/XXXX stating I could be forgiven for the loan I borrowed, but I never borrowed the loan. Never saw a cent of it and never went attended a single day of school at XXXX XXXX. XXXX XXXX XXXX reports my to my credit report three different loans being accounted for ; Listed as two accounts being opened XX/XX/XXXX and being closed on XX/XX/XXXX, and another account being opened  XX/XX/XXXX and being closed on XX/XX/XXXX. I have filled out their return letters stating I have never used their loan and to please remove the accounts from my background, but it 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 explanation
Consumer complaint received 2018-01-04 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: CA

Complaint narrative:
On XX-XX 2017 there was a fraudulent charge made to my Chase acct! For {$97.00}. I filed a fraudulent claim the money was returned! I received a email from Chase saying THEY 'RE reversing the funds and putting them back on my account!! I called and asked why and they said the company has submitted proof the charge was mine! This is impossible I did not order anything from this company!! 
My bank said it was a free for pay! I do n't know what that is, but I live in SSI and ca n't afford such things! And I do have some credit cards, if I was going to order a {$97.00} item, I would have put it on my credit card, and not my Chase credit card either! Why would I put it on my debit card knowing it would overdraw my acct Majorly! Instead of on my other credit cards so I could pay it in payments!! I called the company and they said they do watches! I did n't receive a watch! I am desperate, I looked up the company online and they are a home business associated with Morgan Chase! Plz help me! I borrowed the money to put in the bank, help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late 2016. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.

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 2018-01-04 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: GA

Complaint narrative:
On several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late XX/XX/XXXX. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
I never received my bills / email stating I was past due. I was past due because of an annual fee this company charged. I get paying the annual fee but they reported me to my credit bureau as past due in the amount of XXXX. This should be illegal to report me based on a fee they charged, chRge a fee for the fee and report false information when it wasnt past due XXXX. I want a deletion letter sent to remove these off my 3 credit bureau reports and an explanation why I never received a statement, a phone call or an email about my past due balance - If I never signed in online Id never have known.

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 2018-01-04 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I DID NOT AUTHORIZE THIS INQUIRY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I DID NOT AUTHORIZE THIS INQUIRY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX- I wired {$7500.00} to my husband 's Coinbase account from our mutual bank account. 
XX/XX/XXXX- Coinbase rejects the wire. 
The money is gone from my bank account and not in my Coinbase account. 
Coinbase emails XX/XX/XXXX stating rejected wires take 2-5 business days or longer. 
After 5 business days I contact my bank to obtain the money from Coinbase. XXXX states it will take 2-10 business days to get the money back. 
XX/XX/XXXX XXXX states Coinbase has not responded to the wire recall request. 
All email attempts are met with a response from Coinbase stating they are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: DISCOVER BANK
State: VA

Complaint narrative:
I DID NOT AUTHORIZE THIS INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated a wire transfer in the amount of {$5000.00} USD from my XXXX bank account to my COINBASE USD wallet. At that time, there was a banner listed on the COINBASE website that stated there was a backlog of wire transfers and that it would take up to 4 business days for the funds to be deposited. I waited the period of time suggested with no change. I created a support ticket on XX/XX/XXXX and received a canned response on XX/XX/XXXX stating the funds had been verified and that I should be all set. There was no changes to my account. I emailed them back that same day making them aware that the issue was still present along with a screenshot of the COINBASE USD wallet, no further contact has been made. There are countless other customers who are experiencing the same issue with no recourse. I can understand a company exceeding its resources due to rapid growth, but what is most concerning is that aside from these support tickets, there is no way to sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX is showing an incorrect amount owed. My truck was repossessed and sold. The balance owed does not reflect the correct amount owed, it still reflects the total amount of the vehicle. This reporting status is both inaccurate and illegal.

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 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I called Bank of America ( XXXX ) the evening of Wednesday XX/XX/XXXX XXXX EST to dispute the overcharging of interest on 2 personal credit cards that I have with them due to their use of double cycle billing that is deemed illegal as per the Credit Card Act of XX/XX/XXXX. At the time of billing, I unknowingly paid this interest as legitimate, but my accountant recently informed me that this is an illegal practice as per the Credit Card Act of XX/XX/XXXX. The overcharging of interest occurred on 2 separate occasions on 2 different cards in which the balance was paid off in full in the previous billing cycles. The 2 amounts of over-charged interest are for {$100.00} ending on billing cycle XX/XX/XXXX for one card, and for the other card, {$23.00} ending on billing cycle XX/XX/XXXX. 
I initially spoke with a representative who was clearly unaware of what double cycle billing is and my consumer rights as per the Credit Card Act of XX/XX/XXXX. I asked to be transferred to a Manager ; I was transferred to a Team Supervisor named XXXX ( Badge # XXXX ) and she refused to acknowledge that Credit Card Act applied to my situation and refused to refund the charged interest. She even intentionally mispronounced my surname as " XXXX '' twice even when I corrected her the first time ( My surname is XXXX ). I interpreted this XXXX overt racism and smugness on her part. I requested to escalate this matter to her Supervisor which in their management nomenclature would be " Manager. '' I will be awaiting a phone call the next day.

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 2018-01-04 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: LA

Complaint narrative:
XXXX XXXX is showing an incorrect amount owed. My truck was repossessed and sold. The balance owed does not reflect the correct amount owed, it still reflects the total amount of the vehicle. This reporting status is both inaccurate and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: LA

Complaint narrative:
XXXX XXXX is showing an incorrect amount owed. My truck was repossessed and sold. The balance owed does not reflect the correct amount owed, it still reflects the total amount of the vehicle. This reporting status is both inaccurate and illegal.

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 2018-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Winklevoss Exchange LLC
State: DC

Complaint narrative:
I bank with XXXX XXXX, and was using XXXX ( the XXXX XXXX startup ) to invest in cryptocurrency. I have since decided to end that activity, and tried to withdraw funds from XXXX back to XXXX XXXX. I initiated the withdrawal of {$5600.00} on XX/XX/XXXX. 

A day later, I was told that the transfer failed and my account was frozen. This is all the information I was given. XXXX does not have a customer support phone number, and multiple attempts to reach them via email have failed. 

I have wired multiple ( much larger ) amounts through XXXX XXXX to XXXX, so I expect XXXX XXXX would recognize XXXX as a trusted source. Therefore, I believe the fault somehow lies with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX Deed in Lieu documents were signed and notarized. The lender sold the loan shortly after to the current lender. The documents were misplaced in the process of transfer. The current company communicated to me on XXXX XXXX, XXXX, that the documents were being recorded. Today, the company tells me they need an updated appraisal.

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 2018-01-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern/ XXXX XXXX ( CEO and President ) I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

CHASE- XXXX XXXX ACC # XXXX Reason : Identity Theft I am hereby notifying that you are inaccurately and falsely reporting the above account which constitutes violations of the Act and of my demand that you remedy such violation within five ( 04 ) calendar days from your receipt of this complaint. This account has been previously been disputed and you did not deleted required under FCRA. You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623,  Responsibilities of Furnishers of Information, and for which you are responsible. 

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : -Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX v Chase Manhattan , 2002 provides a cause of action for individuals against furnishers of information. 

I would prefer not to use the courts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I had a reserve balance of {$990.00} in my account tried to call paypal executive escalations. The disputes department only gives temp credits when they feel like it and make people waste their time!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I purchased 3 mattresses with XXXX XXXX in XXXX Texas for {$1200.00} on XX/XX/XXXX. I just finished making last payment of {$100.00}. When I finished paying XXXX XXXX, the total amount ended up being {$2500.00} ( which is totally outrageous ). Never received any emails or calls from the until today. I got a phone call onXX/XX/XXXX and then a email followed shortly, stating that my account was past due and they had attempted to contact me several times. In the email, it also stated that if a payment was returned the fee would be XXXX and I will definitely admit to my account was overdrawn from XXXX. But logging on to to the website and speaking with two different Reps with Acima they started I was being charged XXXX since my payment was returned and that since my payment was due on XX/XX/XXXXXXXX. I was being charged XXXX and that I had 4 days to pay that amount before my credit would be affected. I do n't think it 's fair that they are able to overcharge me for the returned payment which I planned on taking care if but the extra fees on top of I paid XXXX extra ... .please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX I Have funds in my paypal over 180 days. I tried withdrawing funds numerous times but unable to withdraw. Please release my {$12.00} USD

Company response to consumer: Closed with explanation